> It was not authorized by the card holder or a court order, so it is fraud.

Sorry, you're wrong. I've had the IRS steal money directly from my bank account to pay for taxes (and fees, and fines) I didn't owe. The bank won't help you, and I had to pay a tax lawyer $1,800 to get back $3,200 in taxes (and fines) from the IRS for a stock sale I never made.

The bank treats withdrawals by government agencies as legitimate transactions. They won't recognize it as fraud, and you won't get the money back from the bank.