Debit card question

Debit card question

One of my roommates opened a bank account and deposited a substantial amount of his money in it. He never got his debit card. He finally went to the bank to wonder about it. Apparently, they sent his card to his old address where one of the people living there took the card and the pin and cheerfully stole all of his money plus another $400. The bank is threatening to sue him for the remaining money and is claiming that unless he proves that the money was stolen, they won't do anything about it. He is filing a police report. How does he fix this? What legal recourse is there? He really needs his money for thing like, you know, food.
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