Bank of America / restricted orphans court guardianship account

I opened an Estate Bank Account in 2013 for my Granddaughter with a court Order restricted bank account for withdrawals only. This account is a Orphans Court Restricted bank account. Recently on 11/4/2016 an unauthorized withdrawal in the amount of 20k was withdrawn from the account without my consent or knowledge. The person closed the account and took all the money in the account. Bank of America has not notify me of this incident and has stated it is not check Fraud. What is it when someone takes property insured by a Federal Bank in someone else name without their name on the account and no signature card. I am still the Guardian of the account in the Orphans Court who has original jurisdiction to authorize court ordered withdrawals.