account **********ly used

my account was used **********ly for online purchases and when i reported it i was told i have to wait for them to send me a form then i have to wait 45 working days before my account can be credited with my money, <br> they make as if was the one making the purchases and i have to suffer cause they cant assist me. <br> unacceptable service, what eva happened to the bank contacting you before they see purchases from overseas. <br>