Dear {bank official}:
After speaking with your {teller/customer service agent/branch manager/etc.} {Name} earlier today regarding the security breach of my account, it is my understanding that it will take {number} business days for the funds to be restored.
This delay creates an extreme hardship, because I {have bills due/am traveling/etc.}. I urge you to hasten the return of these funds and/or provide an interest-free line of credit in the expectation that I must overdraft the account to meet my commitments. This breach occurred due to no fault of my own.
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Index of Hardship Letter Examples