bank claims that the $23,312.04 was money that Carlo used on the two-month shopping

The bank claims that the $23,312.04 was money that Carlo used on the two-month shopping spree after she already depleted her entire savings account worth $38,000. Bank of America declined to comment to the New York Post, but Carlo said, "It was enough to open a jewelry shop. Why would I do this? The bank is a bigger villain than the thief."

In the report, Carlo tells reporter Chuck Bennett that a separate $30,000 seven-year CD also disappeared. According to Carlo, she never received a phone call or alert from the bank that her accounts were being used excessively for television shopping, and inquiring as to whether the charges were being made by her. Carlo wants to know why the bank did not see the huge overdrafts and do something about them. She said int he report, "What kind of bank would give an overdraft of $23,000? We are not talking about $100."

Carlo is a retired clerk with New York's Human Resources Administration and lives on her $2,110 per month pension and Social Security disability benefits. She has hired a lawyer, and according to the lawyer, she has lost a total of $68,733.77 in the alleged identity-theft scam.