Academy Bank

they mailed out a car to my address including the pin and direciton on how to activate when the card was put in the wrong mailbox a neighbor decided to activate the card by following there instruction and withdraw money they gave me most of the money back then said i responsible for $50 because i lost the card which i never received it and they have a record of this. then they finally gave me that 50 back which allowed me to clear the account as it put the 13.77 i had back in now they turn around took the 50 back and added an extra $25 fee i not sure what kind of a business operation there running but this is not legal or ok!