I received a letter from Orchard Bank a few weeks ago, basically stating that they closed my account at my request, but never offered any appology or addressed the APR concern. Yesterday, I received a follow-up letter from the Attorney General's Office. The caseworker enclosed a copy of Orchard Bank's response to my complaint. Interesting... the letter that Orchard sent the Attorney General's Office was a "doctored" copy of the same letter I received. The same person at Orchard had inserted two paragraphs in the letter to the AG's office that is not in the letter I received. Their letter to the AG's office actually addressed the APR letter. The cover letter Orchard sent the AG stated that they had already addressed my concerns beforehand. The letter to the AG and the letter I received are dated the same (Dec. 20). I know that some people got on my case about complaining about Orchard and that I should let it go and be done with them...but, I find it mortifying that Orchard lied to a government agency regarding my complaint! That goes to show that Orchard has reached an alltime low! Their actions prove that they have no problems lying to a consumer AND a government agency! I want to point out that I never had any problems with Orchard until Household Bank purchased them. I will be calling the AG's office tomorrow to see if they appreciate being snowed by a greedy bank!