I need some advice! My Orchard Bank card was closed to due delinquency which I don't deny. I was trying to make payments but fell behind. Anyway, I'm still making payments online, even though it's the minimum, and Orchard is accepting the payments. What I noticed is that when the account was closed in December, a charge for Account Secure was stopped and they send me a letter stating that it was cancelled because the acccount was closed. I made a large payment to the Orchard account in February which put the account under the credit limit and then I noticed that account secure charged the account and Orchard authorized the charge, even though the account is closed. How is that possible? When I tried to contact them, they state that I have to discuss any business that I have with the CA. I refuse to deal with the CA and why should I if Orchard, the OC, is taking my money and authorizing a charge on a closed account?! How can I get the charges stopped since Orchard is not being helpful and still authorizing the charges?
