HSB Orchard Bank Security Money Not Refunded Nationwide
In 2009 or 2010 I opened a Secured Credit Card with Orchard Bank, to rebuild my credit. I am certain I first put down a deposit of $400 to open the account, and then an additional deposit of $500 to increase my credit line. in 2011, it looks like my card was transferred to Capital One. I remember asking Capital One if they could consolidate cards because a already had a different secured card with them; they said no consolidating of cards.
Today, 2/25/2015, I called up Capital One to cancel my secured cards because I had recently paid them off and I no longer needed secured cards. I was feeling happy that I would be getting my security money back. However, the customer service representative told me I only had a record of $249 for one card and that the other card was not a secured card at all. I was stunned. I mentioned the $900 I was sure I was to receive. She said only that I got the card by putting no money down, as it was not requred.
I believe Orchard Bank is in the wrong by not refunding me my security deposit when they transferred their accounts to Capital One. I never received any money back. I do not have any old records from 2009-2010.