Fraud activity? Ach

i thought i had the ACH's stopped with my bank (Wachovia) but they still were processed. I just called my bank, and they advised i contact the fraud department and discuss it with them - is this something anyone has done? I am so embarrased to even discuss this with anyone, but my account is withdrawn every week due to these PDL's taking money out. I've called all of them and can not get a live person to talk to - i don't even have any idea how much - if any - money has gone towards my balance - i checked all on line, no luck - i am at my wits end - my account is overdrawn almost $500 now - i dont' even know what to do now - If i contact the fraud division - what do i say?