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I agree, this does sound like an issue of breach of contract, breach of the state's business and profession's code (unfair trade practices), and other claims.
You can try contacting plaintiff's lawyers to see if they will (a) take your case alone, or (b) refer you to a class action firm (this is far better than trying to find a class action firm on your own - which is usually a "hit or miss" and can be frustrating - but you can call them as well).
You can find local attorneys using the State and local Bar Association directories, or private directories such as www.AVVO.com; www.FindLaw.com; or www.Martindale.com (I personally find www.AVVO.com to be the most user friendly).
You can also sue the bank yourself (without an attorney) in small claims court. Use this link for information and forms: https://www.nycourts.gov/courts/nyc/smallclaims/startingcase.shtml
You can file a complaint against the bank with all of these three agencies:
Consumer Finance Protection Bureau (primary agency for this issue): http://www.consumerfinance.gov/complaint/
NY State Department of Financial Services: http://www.dfs.ny.gov/consumer/fileacomplaint.htm
US Federal Reserve: https://www.federalreserveconsumerhelp.gov/about/before-i-file-a-complaint