Orchard Bank N.A. Stranded at a Gas Station Over an Undisclosed Red Flag Internet

On 5/7/2013 while on my way to work I stopped to get some gas at Arco.  When I atttempted to pay my card was declined.  At this point I had not been contacted in any way by Orchard Bank.  I called the number on the back of the card and was told by an automated system that I had $300.00 of available credit and no balance.  I then pressed 0 to speak to a care rep.  After the care rep looked at my account she forwarded me to the fraud & security team.

They began by asking the ususal questions (i.e Date of birth, Social Security Number, Mother's Maiden name, etc.) and I answered all of those.  I was then informed that my account was locked to do a "red flag" for fraudulent activity.  That I would need to answer some security questions to unlock my account.  So he begins to ask if I have ever been affiliated with a list of organizations, if I had been employed with a list of organizations, and if I have ever lived at a list of addresses.  I answered to the best of my ability.  I FAILED the security check.  I was then informed that because I failed the security check they were going to have to send me documentation to fill out to get my account unlocked.

At this point I have been standing at a gas station for 40 minutes.  I lost it.  They were not able to get any supervisors on the line becuase they were "in a conference".  They could no longer do anything to assist me.  I asked them to close the account as I no longer wanted to be affiliated with an organization which would let this happen to their customers.  My account is a secured credit card.  This means when I opened the account I sent them $300.00 and that became my credit limit.  This means when I close my account I should be sent back my remaining balance.  I wanted them to confirm that this was indeed a secured account and then tell me their policy on returning balances when closing a secured account.  They refused to do either.

At this point they have hijacked $300.00 from me, left me standing at a gas station for an hour, and then refused to recite even their own policies to me.

As far as I am concerned I have had $300.00 stolen from me.