Need help with insurance policy fraud.

Knowing your city of birth has nothing to do with authorizing a policy. Step 1: tell B of A to cut off access to your account; step 2, to make sure of that, close this account and open a new one, so there's a different number; step 3, tell B of A this was fraud since you never authorized and were not even aware--ask if they can reverse all, or least some, charges; step 4, report this fraud to your state Attorney General's office and also file a police complaint--get the government looking into it; step 5, let Stonebridge know (since you seem to be in contact with them) that if they don't refund your money, you will sue them.

Also, getting back to set 3-- if B of A cannot or will not explain the origin of this policy, you can tell them that you will consider them an accessory to a fraud and take action against them, too. At a minimum, you can ask that the bank make you whole since you did not authorize the deduction from your account (or if you did and they forget, they need to be able to provide proof).