Talk to your parents to see (if) they are willing to pay back all the charges that you did that they were not aware of. If they pay those charges, then BOA will not pursue fraud charges against you, since all they want is THEIR money.
But my guess it was not just charges that you needed, like food, or something to help you survive, since you are unemployed.
As for being denied for disability, they look at what can you do to work, be it doing lawn work, or something that does not cause you anxiety etc. My (late) husband was a disability lawyer that had 1 client that he appealed (over and over) for a total of 6 years before it was awarded. They stated that his guy who had an IQ of 70 (severely retarded) could sweep floors at McDonalds.
Judges don’t like to award disability to (young) people, since in “effect” has not paid into the system of paying SS w/drawals from a paycheck, since (if) awarded then is paid for life.
When you got denied, then they would have sent you a letter (why) they denied it and guessing because they (believe) you can work (some) jobs.
Why are your parents not helping you, if you are this way?