Maineman 1
In regards to your shop for ATH, who did you speak with at ATH? I recently had a bank shop that the Branch stated the person did not work there. I was not accused of fraud. They just asked me to verify. I personally called the branch first (as a customer, not shopper) and gave the description of the person I saw and asked for their name, I stated I left a pair of sunglasses on the counter. The banker stated that sometimes the tellers from other banks cover for each other during vacations and such. I was also told this by the CSR, who was covering for another, she told me this when I observed her business card from another branch. You need to talk pleasantly to the person in charge of the bank you went to at ATH. ATH would not screw you, you should know that if you have done all those shops for them.
What does your wife have to do with this shop? They also have cameras at the banks, they could prove that you were there with the teller you mentioned.