DeBARY, Fla. -

A 69-year-old man said he was held at gunpoint, tied up, and robbed by masked men who Volusia County deputies said used his stolen car to rob a bank.

"It's bad," said Luis Pagan. "It's just one of those things you hope never happens to you."

Pagan, 69, never saw the two masked men with guns until they walked into his garage at 328 Columba Road in DeBary.

Pagan said he was working in his garage when, "The first one came from my blind side. He pointed a gun at my face and said, 'Give me your car keys.'"

Then came the second gunman. And with guns in his face and no telling what the men might do next, he obeyed their commands, got on the floor, and let them tie up his wrists and ankles with a fan cord and a telephone cord.

Little did Pagan know, they'd leave him bound on the floor, close his garage, steal his car, then use it to rob a TD Bank in Orange City.

Deputies said they opened fire during the heist.

Although no one was injured, Pagan wonders what could have happened.

Local 6's Shaun Chaiyabhat asked, "You knew your wife was inside. Were you worried about her at the time?"

Pagan: "Yes. Yes, sir."

Chaiyabhat: "What did you think was going to happen?"

Pagan: "You always think the worst, but you have two guns pointed at your face. What are you going to do?"

Deputies tracked the stolen car after it crashed on U.S. Highway 17-92 near Interstate 4 in Seminole County. Three men were arrested, and deputies were looking for a fourth culprit in a nearby wooded area, but called off the search just after 4:30 p.m. when they determined only three men were involved.

"All of them have extensive violent criminal histories," said Volusia County Sheriff Ben Johnson. "The car that was used in the bank robbery was stolen in the home invasion and then apparently after that they dumped the stolen car and got back in their car to go back to the Orlando area."