Shawn don't let it stress you to much brother. I have had this happen 2 times to me and within a hour or two of me calling bank of America the money was refunded whilethey investigate. They should also not charge you the overdraft fees cause it was not your fault.
While it does suck it should all get worked out. Like I said it's happened to me 2 times and a few people I know and it usually gets fixed pretty quick.
Hang in there brother
