Bank - Negligence and wrong information given to customer

I decided to surrender my credit card to the bank. I had a balance of 970$ at that time. I chatted with an online banking professional who closed the credit card account for me. I was informed that since it is a secured credit card with the initial deposit of 1000$ , the amount of 970$ will be adjusted against 1000$ and the remaining will be paid back to me. But after few days when I logged in, I found that my credit card is marked as "Account past due" and interest and penalty fees are charged on the same. When I called up, I got the reply that it takes 10 days for reimbursement of initial deposit and so the account was marked so. I was asked to immediately pay the outstanding balance and they will send a seperate check for 1000$. I mentioned that I am willing to pay the original balance of 970$ but not the interest or the penalty fees because I was given wrong information by a bank professional. This has also dented by credit history. What legal remedy is available for me?