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I am sorry to hear about this situation. To sue in a state court, one needs to have a "cause of action." There are numerous causes of action, such as "breach of contract," "negligence," "fraud," "unjust enrichment," etc., as well as causes of action rooted in statutory law. Every state has their own although they are very similar to each other in every state because they all stem from the same common law. A pleading in Court needs at least one cause of action, although it is not unusual to have more than one.
If someone is holding money that belongs to you (such as the bank), then this may be a cause of action for money had and received. "An action for money had and received may, in general, be maintained whenever one has money in his hands belonging to another, which in equity and good conscience, he ought to pay over to that other." Love v. Brown Development Co. of Michigan, 100 Fla. 1373, 131 So. 144, 147 (1930). Moore Handley, Inc. v. Major Realty Corp., 340 So. 2d 1238 - Fla: Dist. Court of Appeals, 4th Dist. 1976.
So yes, someone in your situation may indeed have a case here.
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