After 6 or 7 refusals to refund fraudulent thefts, the Bank of America has refunded stolen funds. The Bank of America refused to admit that such a theft was, in fact, fraud, and the Bank of America did not concede that past Op Eds swayed their opinion, but the Bank of America has given back my stolen money. Even so, there is no evidence that the Bank of America has changed their policies to protect people from similar crimes.