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identity theft comes with a hefty fee?

a person recently stole my moms bank card and she became a victim of identity theft.the person stealing more than ,000 left her account negative. bank of america claimed to investigate but in the meantime she was being charged for her minus balance hundreds of dollars.is this ethical?is it possible to defend herself in this instance.without funds she can not hired a lawyer to look over to see if there is a case.we live in the north houston area and want to know if we are left to pay or if there is help out there?

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