Unfortunately the police in MD said that the crime happened in SC so it's not them. Verizon won't give me the store where the number was ported over so I don't know which police dept to contact. Besides - don't think any police dept would waste time on this when they are short handed with much higher priority needs.
It depends on the police department's policies. Some are so understaffed they couldn't even begin to handle that. Others no problem.
As you were correctly told, the theft happened in SC so whatever agency handles it must have jurisdiction there, be it a city, county, state, or federal agency. Also, assuming that you are eventually "made whole" (i.e., reimbursed) your legal status changes from "victim" to "witness". BOA becomes the victim since the bank is the one who ultimately sustains the financial loss. Your role as witness is simply to say that as the account holder you did not authorize that transaction. Also (assuming you are made whole) despite the amount of time and angst this costs you, you have no say whatsoever as to whether this event is prosecuted or even investigated past the point of establishing that you didn't do it.
Whether BOA bothers to prosecute, assuming the bad guy can be identified and there is enough evidence to do so, is a business decision, not a moral or legal one. The bank's loss is $5,200, chicken feed in the scheme of things a bank deals with. They have to assign an employee to deal with reporting it to the police, following up with providing what evidence they have, dealing with the State's Attorney's Office (or whatever it's called there) and making people available for a trial should that come to pass, and that includes getting you down to SC, and housing and feeding you while you're there. Since most of these bad guys have a net worth in the negative numbers their odds of recovering any money are about zilch.
So the bank makes the only rational decision a businesses can make, and chalks it up to tuition. Then they decide if this happens often enough to make it worthwhile to overhaul any procedures to keep it from happening again, or is it easier/cheaper to just accept the occasional loss and let it go as a business expense. And bear in mind, their electric bill is probably larger if it doesn't happen that often.
So, as long as you get your money back, be happy.