I had a scare not so long ago. I went to use my card, and it didn't work. I knew I had money there, but couldn't get it to work. Tried to get on my online banking when I got home, but I couldn't get into that either. I went in to the bank to get it all sorted, and it turns out that I had used my card at a location where skimmers or other devices had been used to steal information, so the bank locked down my account for my own protection. It was a bit of a pain in the ass, but it may have saved my cash.
I wish you a speedy resolution to your issues.