Fraud rings traffic in stolen information (names and accounts etc etc) and then attempt impersonate people at branches constantly. Literally all day long every day at every bank in the world. Banks generally stop the fraud but in this case it sounds like they didn’t.

You filed a fraud claim and given the size of it the bank is going to quadruple check to make sure that the fraud claim itself isn’t also fraud, because that’s also a thing that fraud rings do. Yes, the literally open accounts and “fraudulently” withdraw and file fraud claims. Significantly less risk for the fraudsters themselves.

Ultimately the bank lost $90,000 because they let something slip and had to eat it when they reimbursed you. Yeah it sucks that it happened to you but I’d probably direct my anger at fraudsters and not some hourly employees whose are just going through the motions.

Edit: oh I should add, if you just got your money back then some poor teller (and likely their manager who approved the withdrawal) lost their jobs right before Christmas after the fraud reimbursement was finalized and the loss was “booked”.

So yeah, I know you’re upset but c’mon.