I have tried a million times to get the credit card company to close my account. I have a $0 balance, and I've called and received confirmations several times. But still, every month I get an invoice only for the amount of service fees. Each time I call, they say they have no record of the previous times I've called to close the account. This is getting really shady... what can I do?
2007-02-21 03:34:15 · 8 answers · asked by Anonymous in Business & Finance ➔ Credit
Please do not send anything via mail to a payment address. They are just payment processing centers. If you want to send something via mail make sure to send it to a corespondent address. I would personally call. Note what time of day, name of person you spoke with, and any id number. I would also demand to speak to a manager. I do have a few questions. When you call does it say you have no available credit? Does it show closed on your credit report? It may be that the account is closed but you incurred this "service fee" before you closed the account? If it is finance charges, many companies charge you finance charges until the exact day they receive your payment. Finance charges are usually billed one month behind. So you may have had one final bill. Ask what this fee is and when it billed to account. And if it is a legitimate charge such as annual fee when you had the account, late fee, or finance charges ask if they will waive them. Good luck with everything!
2007-02-21 03:54:43 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Yes, you must pay it off. It still shows up on your credit report as an outstanding balance, and the fact that the card was closed by the creditor can be considered more detrimental than if it was closed by you (especially if the account was closed due to non-payment). Paying it off may not have a significant impact on your credit score, but it will get it off your report, and it will also keep the creditor from coming after you for the unpaid balance. Closing the account only means "you don't get any more credit from us." It does NOT mean "you don't have to pay back the money you already borrowed."
2016-05-24 02:28:57 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Next time you call be sure to list the name of the person you talked to, if they have a customer rep number, time and date of call, tracking number of the call and other information
Then instead of calling them, put your request to close the account in writing. However, you mentioned that you have service fees -- you need to either pay that or force them to remove those fees especially if you incurred those fees because of their failure to honor your first request
What worked for me though is threatening them with a complaint to the FTC, and telling them I'm contacting my lawyer to get this settled once and for all. They always relent.
2007-02-21 03:41:21 · answer #3 · answered by imisidro 7 · 0⤊ 0⤋
If you have a zero balance, what are you getting bills for service fees for? You shouldn't even be getting a bill.
What kind of credit card is this? Need more info.
2007-02-21 03:42:23 · answer #4 · answered by Faye H 6 · 0⤊ 0⤋
Write on the invoice: This account has been closed! Stop sending invoices or I will contact the better business bureau. Call me if you have questions. Then mail it back to them.
2007-02-21 03:45:26 · answer #5 · answered by Anonymous · 0⤊ 0⤋
What service fees???
Send them a letter cancelling your card with your cut up card taped to the letter
If you owe money send a cheque at the same time
End of Problem.
2007-02-21 03:41:54 · answer #6 · answered by bob shark 7 · 0⤊ 0⤋
You need to send a letter to the credit card company with your intentions. Also cut your card in small pieces and return it with the letter.
2007-02-21 03:44:03 · answer #7 · answered by mediahoney 6 · 0⤊ 0⤋
send them something in writing, return receipt requested, certified mail. Then you will have proof that they received your request. Written in often better than verbal anyway.
2007-02-21 03:42:53 · answer #8 · answered by GEEGEE 7 · 0⤊ 0⤋