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As another LEO, let me agree with Kevin and Elvis. This sounds like very bad police work. There is no need for probable cause to make an investigative stop, but, as Kevin pointed out, it does require specific and articulable suspicion that a crime is being committed (or about to be).

On the other hand, the line about it being a high drug or crime area may be just a line aand they did not want to tell you you matched the description of someone else that they were looking for. This means the stop may have been fully legal (I doubt it, but I wanted to point out the possibility).

But I can come up with no excuse for his just dropping your wallet when you handed it to him. That is just rudeness and a lack of professionalism.