cit bank bill me later bilking an elderly person out of over one thousand dollars that she doesnt have to spend salt lake city, Utah

Do not find fault with the bank; someone posing as your Mom stole the money and the bank would not know the difference.  You need to do a lot of things immediately:

1.  You need to contact the Fraud Department of the bank ASAP because your Mom's identity sounds like it's been stolen.  I would consider closing the account and set up a new one. 

2.  Go to the Police Station and file a police report. 

3.  Then you need to contact the FTC and place fraud alerts on your mother's account with the credit reporting agencies.  You should consider paying for a service either through Experian, Equifax, or Transunion; for about $15/month, you can place fraud alerts on her account, and monitor your Mom's credit report for additional instances of fraud at least monthly..for at least a couple of years until you can resolve the Identity Theft issue. 

4.  You need to contact Social Security because someone has her number as well, and file a report there; you can go either in person to the local SS office, or file a report online. 

5.  You need to contact whoever is responsible in your state for regulating ID's (usually the Motor Vehicle Division of your state) because your ID has been compromised.

For starters, unless the fraud department finds the bank at fault (usually doesn't happen), you're out the $1400.  That's what happens with identity theft.  When you get a copy of your mother's credit history, review it immediately and close any and every account she knows nothing about.  Never mind about all of the Christian talk; in a world filled with greed.....this happens a lot.  Best of luck to you!!