<prompt> Human: Hi guys,Im writing on behalf of a friend of mine. Hes not a Redditor, but Im hoping you guys could pass along some sage advice that I might be able to pass along to him.Long story short, my friend opened a Savings account with Wells Fargo and put his life savings in there about 50K. He does his primary banking at BofA, but thought it would be a good idea to diversify, hence Wells Fargo for his savings. They talked him into some sort of combo account that gave him a savings and a checking account all umbrellad together. He also specifically mentioned that he did not want or need ATM access, yet two weeks after opening the account, he received ATM cards, one of which he destroyed, the other he put into a safe. Fast forward a month, he receives a returned check in the mail that had bounced. The check had his name on it, with a forged signature it didnt even resemble his. When he checked his account online, he discovered that someone had been writing fraudulent checks, transferring money from his savings to his checking account, and then running dozens of ATM, debit and check transactions against that checking account. Both accounts were now totally empty.He called Wells Fargo and notified their fraud division, which conducted a 40 day investigation, and now they are refusing to refund any of the money, claiming that it must have been my friend or an authorized agent of his who engaged in the transactions.In the course of the investigation, it was also discovered that the thief had changed the contact information in his account so that any fraud notices were now sent to a different phone number, likely a burner phone that would allow the thief to re-authorize the account.My friend contacted the LAPD with his story as well, and was told by the detective that Wells Fargo is notorious for denying claims like this.The obvious solution is to lawyer up. But hes not really in a financial position to be able to do that. Just curious if anyone has a similar experience or could point to a direction that I could advise him. Were also curious as to how the thieves got access to his accounts - Clearly they needed a tremendous amount of information about him.Any advice or guidance would be greatly appreciated. I dont have a clue how to advise him, and hes pretty inconsolable right now, hes worked his entire life for that cash, and to have it just wiped out like that... man.Thanks in advance.TL;DR: 50K drained out of savings account by a hacker, Wells Fargo refuses to refund the money, saying they believe the transactions were all authorized.  <response>: Contact the local FBI field office, and also try your local media. See if you can get a news station to run a story on how Wells Fargo is denying obvious fraud, and perhaps even has an employee committing fraud.That kind of negative PR is bound to get someone at the bank listening, especially if it makes it to a CNNCBS national level.Lastly, lawyer up and good luck. 