My wife and I had a somewhat similar thing happen, one week before our wedding. She had a debit card declined at Starbucks.

Someone had printed a business check with our account number, made out to a name that matched a dead person on the sex crimes registry, and then someone had cashed that check at a bank in New Jersey. The check was for over $11k, and left about $20 in the account.

Now, we never left that much money in the account generally but we had transferred some in to settle with the various vendors and for spending cash on the honeymoon.

The good news was that Chase saw it as fraudulent immediately and the money was back in our account in less than 48 hours, and they put a few thousand in before then so we could travel.