Product: Credit card or prepaid card

OnXX/XX/XXXX, I called the XXXX Customer Service around XXXX telling them to approve the transaction that I would be going to make on that same day. The amount would be {$2600.00} pounds to XXXX XXXX XXXX in XXXX, XXXX. I know XXXX  Card will not be easy to approve the transaction if the amount is too great out of the security reason, I total understand and respect that. So I made a payment of US {$3700.00} beforehand onXX/XX/XXXX at XXXX store XXXX at XXXX, hoping they would let the transaction get through. 

Still, XXXX card won't approve the transaction even though I overpaid them. So I called the XXXX   Card ( XX/XX/XXXX ) and asked them to let this transaction get through. The representative, a lady, said she couldn't approve it unless I faxed the photocopies of my XXXX card ( front and back ) and driving license ( front and back ) with my signature on it in order to verify my identification. On the same day, I faxed these information to them. 

The next morning,XX/XX/XXXX, I called them again to approve my transaction. A representative, a guy, told me the photocopies were too dark they couldn't read the information so he couldn't approve the transaction. He said I needed to redo it again and, this time, he also needed photocopies of my Social Security Card ( front and back ) and my Utility Bill with my correspondence address. I told him I felt EXTREMELY UNCOMFORTABLE TO FAX THESE PRIVATE INFORMATION to them ( sorry, I was very angry at them, requiring too much private information, of course, my tough was not very nice because they were not very helpful and making too much trouble to their customer, but their attitude was not good as well ). He said there was nothing he could do about it unless I fax these information to them. Then I told him I wanted to cancel my XXXX  Card and refund my balance to me. He said he couldn't do it as well unless I FAX THESE PRIVATE INFORMATION to them. Right now, they are holding my XXXX Card, that means I can't use/cancel my XXXX. 

The reason I file complaints are : 1. I feel very uncomfortable to fax these PRIVATE INFORMATION TO THEM, I DON'T FEEL SAFE AND I DON'T WANT TO. 
2. I want to cancel my XXXX Card and get my balance ( US {$3400.00} ) back. 

Under the law of FDIC, the creditor has to have given the balance to their consumers if they don't use their credit card for months, it is illegal to hold my money, right? But XXXX card is holding my card and won't let me use it, what can I do? 

Quote Section 226.11Treatment of Credit Balances 1. Timing of refund. The creditor may also fulfill its obligations under 226.11 by : Refunding any credit balance to the consumer immediately. 

Refunding any credit balance prior to receiving a written request ( under 226.11 ( b ) ) from the consumer. 

Making a good faith effort to refund any credit balance before six months have passed. If that attempt is unsuccessful, the creditor need not try again to refund the credit balance at the end of the six-month period. 

2. Amount of refund. The phrase " any part of the credit balance remaining in the account '' in 226.11 ( b ) and ( c ) means the amount of the credit balance at the time the creditor is required to make the refund. The creditor may take into consideration intervening purchases or other debits to the consumer 's account ( including those that have not yet been reflected on a periodic statement ) that decrease or eliminate the credit balance. 

Unquote Please help me to settle this issue or what else I can do. Please advice. You could reach me via email address : XXXX XXXX