My ex-husband accessed my e-trade IRA account, changed the contact information to his address and phone number. He then closed the account having my funds forwarded to his home. He forged my signature and co-signed the check, depositing the funds into his business checking account. This occurred in June of 2010. I became aware of this in May of 2012 when I attempted to update information on the account due to my changing addresses. I have filed a police report as well as a fraud statement with the bank. The bank is telling me that they have no responsibility in this matter due to the fact that the check was processed through a deposit and not directly deposited and that there has been too much time lapsed since the check was deposited. I discovered this incident on May 24, 2012 and made and fraud statement to the bank on June 4, 2012. Does the bank hold any responsibility to compensate me for the funds?