You have had a bank account for a few years. Recently you received a letter from the bank stating that your account is 240 $ overdrawn and that you will be charged 70 $ which will be taken directly from your account. You Know that this information is incorrect.
Write a letter to the bank. Explain what has happened and say what you would like them to do about it.

Dear Sir,
I am writing this letter regarding a correspondence I recently received stating that I will be charged for an overdraft to my account. Unfortunately,  I lost my wallet while on the subway with all of my personal documents and credit cards.
I am disputing all charges that put my account in a negative status as these purchases were not made by me. I filed a police report and have received the necessary documentation to substantiate my claim.

Also, a  claim of fraud was filed with my bank. I have closed all of my accounts and credit cards. The bank representative assured me that this issue would be resolved within a few hours. However, this email is proof that the issue was not resolved.
I would appreciate it if you could extend a courtesy on my behalf and negate any charges and or overdraft  fees while an investigation is still pending. I am experiencing several financial hardships that would make it impossible for me to handle daily financial living obligations. 

I have attached the necessary documentation to support my claim. Please, do not hesitate to contact me if additional information is needed. Any and all courtesies regarding this issue would be greatly appreciated.
Thank you in advance for your time and help in this matter. 

Sincerely 
Jhon B.