<prompt> Human: I live in a house with 3 other people. My room is always locked but 2 of the people knew where a key was to my room as i had asked them to let the dog out before. I had my check book laying on top of a shelf and someone stole them while i was gone. The person who stole the checks wrote one out to someone i dont know. Within a few days using online banking, BBT I noticed the forged check. Online I can see that they forged my signature and either cashed or deposited it at a state credit union. I reported this to my bank and after a lengthy investigation they find that they are not responsible for reimbursing me as a result of my negligence in safeguarding access to the checks. They say that they will attempt to recover the money from the place it was casheddeposited but are not holding themselves responsible if they cannot recover the money. What do I do? I never filed a police report because I was under the impression the bank would take care of it. It seems like the person who stole my moneychecks and forged my signature is just going to walk away with it? I live in North Carolina if the state makes any difference.  <response>: Bank wont take responsibility it was your checks that were stolen because you left them laying on top of a shelf and have yet to file a police report... The person I see here not taking responsibility is you. Call the police, get this person arrested for fraud and get your money back that way. You should be much more upset at your roommate then the bank 