[nana911]

If you've been banking there for 20yrs, plus having direct deposit... could you talk to the bank personnel and ask if they can advance in your account, based on your direct deposit, the amount needed to cover this incident, while they resolve it. They have access to your ''paycheck'' so to speak and there might be finance charge, but it is worth a try.

I bank at Wells Fargo and with my direct deposit, if ever I need emergency funds I can advance up to a certain amount immediately. They would just pull it out of my next deposit.

After it is cleared up, I'd change banks immediately. It is outrageous that you, the customer, in person telling them it is not authorized cannot get this reversed. Most major banks may require 90days to get the reversal completed but they will put the money back in your account immediately.

As for the company that accessed your funds, I'd speak to the attorney general's office for guidance on how to nail them, since it is a commercial transaction.