Bank Of America No fraud protection Charlotte North Carolina

I opened an account with Bank of America in april of last year, I was expected to start a job, and the employer stated that it would be in my best interest to have direct deposit. So I opened an account with BOA. But the job had some cut backs so I never started, and never put any money into the . Anyhow I lost my wallet, which had my drivers license, ss# and my debit card. But my biggest worry was finding my drivers license, and ss card, since I had no money in the account I didnt feel the need to call and report it(bad idea) My wallet was returned to me in about a week and a half, and everything was still in it. On February 16th about $1,600 was put into my account, keep in mind Im a 22 year old college student, working at wal-mart making only $600 every 2 weeks. so having a lump sum of such an amount deposited at once should have thrown up a red flag to BOA, but it didnt. So on the 18th I was just doing a normal checking up on my balance, so I called the 1800 # and it told me I was a negative $200, I thought that something is wrong and maybe its due to the 16th being a holiday so maybe they haven't straightened out everything in the automated system. So I called to speak to someone in person and thats when they said" Ma'am your account in being closed out due to fraudulent activitiy you need to go to your nearest BOA branch" So thats exactly what I did but when I got there the lady told me that $1,600 was put into my accoutn and $500 of that was cleared and spent and it what happened was someone deposited a fake check from chase bank into my account but in the end basically the lady to me I would have to contact BOA fruad department and speak with them. So I went home, and did just that. But talking to them over a 2-3 wk span got me no where all they did was just made me repeat what happened over and over again. I kept disputing it for about 2 months. BOA did send me a check for about $200 then turned around and stated I owe them $500. I didnt understand how that was possible. I thought because I had fraud protection that if something like a $1,600 transfer of funds was made that I would be notified about it but BOA never told me anything until I called to check my account balance, and thats when I was told. But now im in the "Check system" which doesn't allow me to open an account with any other bank Im doomed can someone please help me what should I do

Tiffany
Chicago, Illinois
U.S.A.