Product: Credit card or prepaid card

Ref. Letter dated XX/XX/XXXX RE : Acct # XXXX To : Truist General Recovery and Credit Card Departments, and Consumer Financial Protection Bureau/complaint dept. 
I am responding to a letter, dated XX/XX/XXXX, from Truist Recovery Department, a copy is enclosed, in which {$1200.00} plus interest {$2.00} for Total Balance {$1200.00} from the above RE : acct. is demanded! 
Your attempt to collect on my account is erroneous, has damaged my credit standing and maybe considered illegal and possible criminal based on the following : 1. The account you listed above is and always has been secured credit card account # XXXX. 
2. The secured credit card account was funded from my personal account held with this bank. 
3. The account has never been in default, no balance is due and the personal money that your institution has seized, should have been returned and your actions could be considered theft. 
4. The above account was opened on or about XX/XX/XXXX by XXXX XXXX at local branch office in XXXX XXXX with {$4000.00} from one of my personal accounts XXXX or XXXX, ( these accounts were closed on XX/XX/XXXX and transferred to new accounts opened at local branch XXXX ). 
5. Due to unrelated circumstances, I filed for XXXX XXXX XXXX XXXX protection in the XXXX XXXX XXXX Florida on XX/XX/XXXX, specifically the above referenced account was not listed on the schedules to be discharged in bankruptcy! 
6. The above account was closed on XX/XX/XXXX, XXXXby Truist bank! The assets in the account were mine until I filed bankruptcy. At which time this asset ( {$2700.00} ) became under the Federal Bankruptcy court control, until disposed of by court, were seized and never turned over to the court or returned to my account after the bankruptcy case was dismissed. 
7. As a direct result of Truist actions, in which they told a credit bureau about a late payment, missed payment or other default on my account without any further explanation or validation of such claim. I have been damaged, credit slandered, lost money, and suffered emotional distress and harm I find it exceedingly unprofessional for a banking institution to take this action without proper notice, and factual content, even after the bank admitted that they would return my money. 
Instead, they now claim I am in default after I have tried for over 18 months of contacting various departments, ( credit card department, bankruptcy, charge off and recovery departments ) within your bank, and even local banking branches to no avail. 
After repeatedly leaving numerous voice messages on multiple dates, as no one ever answers the telephone nor will any representative return a call. Local branch officers refuse to even discuss anything and will not provide me with any documentation to substantiate an alleged default by myself at your banking institution. 
This account was closed on XX/XX/XXXX by the bankruptcy department of Truist bank, without any notification, and {$2700.00} of my personal assets was seized by the bank. 
After a discussion with my BB & T banker XXXX XXXX on XX/XX/XXXX, I was informed the next day that the truist bankruptcy department was responsible for the closure and seizure of my monetary asset. 
On or about XX/XX/XXXX I called and spoke with a representative from this department, who refused to provide her name. After a lengthy discussion, I was informed that the closing of my account was normal banking procedure and the balance of {$2700.00} would be returned to my account upon the closing of my bankruptcy case. 
From XX/XX/XXXX forward, no one from Truist bank has never written or sent me any monthly statement, balance notification, default notice, charge off notice or any other letter about this account until XX/XX/XXXX. In fact, the bank has taken extraordinary measures to prevent me from resolving the account and receive the balance owed to me. 
However, even after XX/XX/XXXX when my bankruptcy case was closed by administrative order and the bank was noticed by the bankruptcy court. Curtailed the banks actions, I most recently learned the charge off department charged off the account on or about XX/XX/XXXX and never refunded the balance to my account. 
Unfortunately, on XX/XX/XXXX I was in an XXXX XXXX XXXX XXXX on XX/XX/XXXX with over a year long recovery period. In addition, I was forced to move from XXXX to XXXX Florida in XX/XX/XXXX. 
Throughout the last two years I have attempted numerous times to resolve this issue through the local branch office and repeated phone calls to the charge off, and bankruptcy departments, and more recently to the recovery department at XXXX. 
To no avail, no Truist Bank department accepts or returns my calls or voice messages. Nor do they accept any responsibility for their actions. The bank transaction records clearly show the account was opened with monies from my personal account, and the Truist bankruptcy department seized and closed my secured credit account that was an my asset and under bankruptcy court protection. It is further evidence that the charged off department, was responsible for charging off the account without notice and refused to return the monies owed to me. 
To make matters worse, Truist Bank has now reported this account to the credit bureaus and my credit has been damaged because of their negligence. 
Subsequently, within 30 days of the date of this letter I am requesting the return of monies {$2700.00} to my account plus interest. If, after the 30 day time period, from the date of this letter no action is taken to refund my monies and restore my credit rating to satisfactory. I will proceed with further legal action, and will seek a full refund of earnest money, plus interest, costs, attorney fees, damages, and possible criminal charges. 
I have tried to resolve or at least have a meaningful discussion with a bank representative in good faith effort to resolve this issue but to no avail. The banks predatory attitude and actions warrant further action from consumer protection agencies and if necessary the judicial system. 
Thank you for your time and consideration. 
Respectfully, Mark Secured Credit Card Account holder