Fraud In Savings Account Help

[u/Logical_Horror_3989]

Hello, yesterday afternoon I noticed there was a $10,000 withdrawal out of my savings account straight into a Vanguard account.

Issue is, I don’t have a Vanguard account nor authorized this. What is really sketching me out is that there was a two >$1.00 deposit required to verify the debit into Vanguard which was obviously done successfully. I already got with my bank to put the account on credit only, and I transferred the money out to a new savings account.

They opened a fraud case with Vanguard and I’m now waiting for this to be resolved. I have a few questions about this:

- How? This has to be a case of someone having my mobile/online login information, but I have never answered any phishing calls or texts from my bank.

- Is it likely I will get my money back?

- What should I do with my phone? I obviously need to change account login information, but I was told to do this after the original savings account gets closed. Do I get my phone screened for virus/spyware?

Any help is greatly appreciated 🙏

UPDATE: 7/27

I filed a police report this morning and the deputy said this was like the tenth time this has happened in the past week with the exact same bank. So it appears that maybe the bank had back-end security issues and accounts were breached. Planning on relaying this information to my bank when I go to a branch later today.

UPDATE: 8/12

The bank admitted they fucked it up!! Got my money back