Greetings!

I wonder if anybody can tell me if/how I can get my money/bank account back. I am US citizen.

I had a bank account with Credit Swiss. I took out most of the deposit before my card was stolen; actually my whole bag was stolen by a goup of theives at the train station. I reported this to the Train Station Police Office. When I went to Credit Swiss, they told me I had to pay 40 Francs to get a new card. I was a crime victim, I thought I should receive a replacement card free; no, it would not be free. So I decided to I wait till they have a promotion so I could get a new package. This was a free account anyway.

Later on, I went to Credit Swiss at Palexert and inquired about their promotion.  I received information thru. mail. This made things more difficult as I do not know French. I suffered from various health problems so did not follow up on this; their promotion rate was also over, so I would have to pay a normail rate for the card. 

Now my health has improved, and I stopped by at a branch recently. I was told by a service guy at the entrance (I thought he was security guard) that my account had already been closed, and the bank took all the money in my account because he said the bank started charging service fee on my bank account. Why I never knew about this?! The person said at his position he could not help me any further. He said his bank did call me September 2015 to my office phone-- I was on sick leave and did not go to my office a long time. I asked him, "Isn't it the rule here in Switzerland that everything has to be in registered mail?! Why we must do so, and your bank could not send me a registered mail?!" He said he could not help me.