credit card problem?

Question

ok this credit card (mastercard chase) is charging me late fees and overlimit fees because a while back i had ordered a credit watchfrom equifax and they kept charging me every month for the services when i has cancelled and the credit card company after letting them know i cancelled still let themcharge it and charge it resulting in overlimit fees and i was dispting the charges and i would pay my bill but then they wanted me to pay a lot more and charged me overlimit fees and i paid early once and they charged me a late fee and they dont send me statments and i requested them and i never recieve them and now i have been reported as delenquent and had an account closed because of this and they say i have to pay them 376 dollars as a minimum payment. But why what can i do i have good credit this is te only company that has tried to jack me i feel it is wrong andits affecting me really bad what can i do step by step what resources can i use...?????

Answer 1

There is info that is missing here. If there is a monthly charge for a service that you don't want, even if you did call to cancel, I find it impossible that this little charge would have put you over your limit. Even if it did, in one months time you should have made payment that should have at least brought you under your limit, and You should have called the service that charged you for the credit report instead of the credit card company.

Think about this people if you went to Target to buy something and you decide you don't want it anymore, are you gonna take the item to your credit card company and demand a refund. NO!! You would take it back to Target. So if This Credit Watch thing charged a monthly fee and you decide you don't want it, why wouldn't you call Credit Watch to cancel instead of the credit card company (duh). Sure you can dispute charges with a CC company but dispute does not mean automatic refund. Disputing requires investigation and in some cases, the dispute MAY NOT be resolved in YOUR favor. Bottom line is you prolly let it go too long thinking someone else would take care of it and you let the charges add up...sorry...What you need to do is call Credit watch and tell them to cancel service immediately, explain that you called the credit card company thinking it could be handled by them and obviously it wasn't and that you'd like to be reimbursed for as many months as they can give you. Call the credit card company and adv that you have cancelled with Credit watch and that the overlimit fees were incurred based on charges that you thought had been cancelled, they may be able to credit you back some overlimit fees.

In the end, take what you can get and pay down the rest as fast as you can. Take is as learning experience because It was your fault to begin with. Usually those credit monitoring things or any service that offers credit reports normally charges a monthly fee for services which was somewhere in their fine print. If you didn't read, that's on you.

Answer 2

To have a minimum $376.00 payment, we have to be going back in time quite a ways. Get copies of your statements either online or by requesting them from the credit card company so you and they can follow the pattern. Do not use the original copies but rather make another set of copies that you can send it with your dispute. Get a letter from Equifax to document that you cancelled the service and the date of cancellation. This sounds more like a job for a certified letter than a phone conversation. Be professional and be polite. There's no point going off like a raving lunatic if you are honest and factual in the presentation. End your letter with a statement of what you want the outcome to be and ask for the name of a supervisor that can help you clear up the miscommunication. If you don't get anywhere with Chase, you can send copies of your letter and proof to the 3 credit bureaus and to the governing body over credit card companies. Just keep going up the ladder to reach whatever person or agency that can help you put an end to the insanity and make sure to keep accurate records because you will eventually want to remove any negatives off your credit report once the issues are resolved. If you are truthful about the situation, the facts will speak for themselves. Your biggest problem thus far was letting it get to this point instead of starting this process after your first or second late fee. At this point, you are an account number and no longer a person.