I have never had an account with Orchard Bank, I now have been recieving harassing phone calls from CRA making threats to refer the account to the IRS if payment is not made, an account they say I opened 9 years ago.and shows up on my credit report, I recives monthly statement form a reputable company and have never seen this on my credit report. The collection agency was very rude and would not give me any info regarding the account, Hopefully people do not use this bank and keep their personal info gaurded carefully because if your SS# get... read full review »