<prompt> Human: A month ago, I noticed a 3k Paypal charge that had just hit my checking account that morning. I called the bank to report this as fraudulent. It was still in a pending status at the time. I went to the branch later that day to close that account. Seems like the charge was done from stolen account numberrouting info. They stated they couldnt stop the pending charge, and the account would close once the charge was complete. I had them provide me a print out of the account activity over the previous year before leaving. Upon reading through my statement, I noticed very small dollar charges that had happened through Paypal 4 months earlier. I decided these were minor and was not going to report. After a week went by with no information, I stopped into the Bank to get more information. I was still waiting on forms to sign in the mail. They decided theyd just print out the forms at the branch and just let me sign there. Upon doing so, I mentioned that I had seen a few charges from a few months earlier, that I was not interested in claiming. Instantly the banker urged me to claim them. The banker stated why not get all my money back. After him pushing me to do so, I added those small amounts to my claim. I signed the forms and left the bank. A week later I was sent a form stating that the bank decided they were not going to reimburse me for the 3k, because the charge happened over 60 days after the initial dollar charges were discovered on my account. They claim this rule was stated to me on the phone when I first called. I still refute this. Also, a Bank Representative encouraged me to claim those older funds a mere week later, after not including them in my initial claim. Shady much? A week after receiving that letter, I was credited with the amount stolen back to my account. I had shortly there after received a letter stating that the bank had made a mistake when processing a check at the ATM and they are crediting my account for the difference. the missing 3kSo now I have the money, even though they already sent me something stating they would not be able to reimburse me. Also the forms stating their mistakes, were not tied to any claim number, so I thought it was the banks way to reimburse me the money outside the claim. foolishly thought someone existed there with a good heart??Fast forward 2 weeks, and boom the money is removed from my account. I check my mail, and I received a letter that day posted a week earlier, stating again my charge fell outside the 60 day period so they denied the claim and would reclaim the refund. So now Im pissed and I look into my other options. How could the Bank claim they told me the rule, yet also actively encourage me to claim the older smaller charges, that I had stated I was not interested in claiming. So I decide to call Paypal... and I find out that the 3k Charge was stopped and actually never completed. Paypal never transferred the money from my account to the thief!!! Yet the money was still successfully withdrawn from my account!!So the thief doesnt have my money, Paypal doesnt have my money, or do I. The only party left is the bank!! My case is currently in appeal, and I have yet to drop that newly discovered bombshell on them.Waiting on a phone call from their executive claims department. Do you think I have a good chance to get my money back? How can the bank legally keep my money that actually never should have left my account!?Edit 1 - The charge had not happened on my PayPal account. Someone stole my bank information and used it on their PayPal account. Sorry I was unclear in my original post.Edit 2 - Another thing I wanted to clear up from my original post.. For all those saying why not report those smaller charges immediately!.. I did once I saw them! I just was hesitant too, because at the time I was just focused on getting the larger amount back. I didnt discover them until they printed out my yearly statements and I was able to comb through them. I no longer could online due to account closure. So Im sorry to disappoint everyone who is yelling at me for sitting on them for 3 months. Bc that was not in the chain of events! Otherwise, I appreciate the solid advice I am getting here, and hope to have an update soon! --TLDR: Noticed 3k Fraudlent Pending charge. Notified Bank. Closed Account due to account info stolen. Transferred available funds to new account. Bank claims wont reimburse me due to small 1 fraudulent charges more than 60 days prior to new chargethat I didnt see until after the 3k charge and reported within 24 hours. I end up calling Paypal, and they said the big 3k charge was stoppednot my Paypal account, but thiefs. Money was still withdrawn from bank account though. Bank has my unstolen money instead of me...  <response>: I had something similar happen. I got my bank to refund the overdraft fees and filed a claim with PayPal. PayPal investigated and refunded my money back. 