How can I get fraud adjustment from Wells Fargo after calling them?

I've been working on an issue with (formerly)Wachovia/Wells Fargo on a fraud issue for quite some time. A few months after I started banking with Wachovia, I was called by some company claiming to be part of the bank offering fire insurance.

I'm a renter, and I didn't really need the fire insurance or quite believe that they were with Wachovia, so I declined. After a while, I started receiving mail from these people with agreements for an ongoing policy. Sure enough, I was charged by the following company on my checking account:

"NUF IPP INS"

Look them up, it's a known issue for them to somehow pull funds without permission. How did they get my info so quickly?

I never signed anything with them, so it was strange how they got my info. Wachovia gave me the paperwork to report the fraud, the payment were returned, and it was taken care of. During the paperwork, more charges came through, and they were handled as well.

A few months passed with the issue handled, or so I hoped. Suddenly, I was getting letters from Wells Fargo. I had heard of the bank, but never banked with them because they weren't in my small town. The bill was huge, a few hundred bucks for some kind of overdraft.

I knew this wasn't right, because I had a few thousand dollars in my account. After checking things out, I discovered that there was an overdraft protection account attached to my checking account that I didn't sign up for. Started up fraud report process again and sent my direct deposit elsewhere.

I took extra care to check my balance. Even though I had plenty of money, I didn't want to get caught up in overdraft due to fraud again. Which was near impossible due to even my few bills.

This morning, my Better Business Bureau complaint was closed. Not sure if it was by Wells Fargo or if it was the BBB's limit, but I'm a little frightened here. I have Wells Fargo admitting that fraud happened, but they still want me to pay money on it. The balance is getting up to $5,317.29 now, and this isn't money that I spent. It isn't some overdraft where I spent more than I had, fraud pushed me to that limit.

Where do I go next? I feel like Wells Fargo is ignoring me, and their customer support says that I need to speak to the Executive Office. However, they don't have the Executive Office's number. People are telling me to get an attorney, but I want to know exactly what I'm doing here. Is there anything I need to look into first? It's my inexperience talking here, but attorneys seem expensive to me.

If there's something I can do to shake some reason at Wells Fargo and at least get them to look at the fraud problem, I'd be fine with that. What do I do?