Lisa, short of contacting an attorney, read the Fair credit and debt collection act. If they threatened to freeze your account, or call your employer, or any other threats, you need to call an attorney. They can't do it or even say it.
There are attorneys that handle this type of case on a contingency basis, meaning that they get paid when you do, and they will sue the bank and get you paid. I have a number of an attorney in Tampa that does this type of work if you need it.
I hope this helps.
Gary De Pury
Bay Vista Realty