Product: Checking or savings account

I was contacted by someone posing as XXXX XXXX XXXX company. I had applied for loans and didn't think this was out of the ordinary. I gave them my routing number and account number to deposit the loan. They said they needed to verify it first that I was willing to make payments so they made two deposits one in the amount of {$490.00} and the other {$490.00}. The deposits were pending for a day and then posted to my account as if the deposits were good. I sent the money back to XXXX XXXXt supposedly. For next 5 days Cadence Bank system crashed and I could not get information on my account or check the balances. 4 days after the money had posted to my account Cadence returned the checks as fraudulent. I was not aware that they were even personal checks because I could not see the deposits due to their Bank system crash. I assumed the deposits were from XXXX XXXX If I was able to view the deposits I would have known immediately that fraud was occurring because the checks weren't even from XXXX XXXX  or a bank. At this point I attempted to call and make them aware of the fraud. I called the debit fraud line and they said there was nothing they could do about it because they couldn't access my account. I repeatedly tried to get in touch with someone from my bank but could not. On Monday XX/XX/year> I went to the ATM and spoke with the live teller to make her aware of the fraud. She just kept blaming it on the bank system crash and said everything would be fine the following day when everything finally updated. I asked her to note my account that I had made them aware of possible bank fraud. Of course the following day nothing had changed and my account was still negative. Finally the branch of my bank was open and I could go report what was going on to them in person. The bank teller told me there was nothing they could do about it because they were mobile deposits. She asked me if I had deposited the money and I said no that the lending company had deposited the money and they were obviously committing the bank fraud. She looked at me like I was a criminal and I was trying to pull a fast one on her so I told her you can check everything available you and you will see that I did not deposit those checks. I asked her if we could nail these guys and she said no probably not. She said I was responsible for any funds that have been deposited and returned. They have been charging me a {$72.00} overdraft fee for every transaction that was made while their bank was down and all this was going on. Don't let me forget to mention that while the bank was down the company said I had fulfilled the verification process and they were lending me money. They sent XXXX more dollars that the bank also posted to my account and I thought it was good but was then rejected six days later. My account is now more than {$3000.00} overdrawn due to Cadence Bank not being able to get there act together or have a representative available that could help identify bank fraud. I have no money and no prayer of fixing the situation. They disabled my bank account so that I can not even check what's going on and see exactly how much money they are charging me. The woman that I met with in person at the bank was supposed to call me to work out a way to rectify the situation. I have not heard a peep out of my bank. I have filed a report with the FBI which I did immediately upon discovering that the checks were fraudulent.