I recently learned by looking at my credit card statement that I am being scammed. I closed my account in June (or so I thought) and when I made my last payment to close the account it was returned. I later found out that they never even tried charging my debit card. So, basically, for months I have thought this card was paid off and now its up over $100.00 in late fees I should not have to pay!
Whenever I call to get an answer as to why they keep charging me, I always get the same Indian guy telling me they value me as a customer and will look deeper into it. This company is jerking me around and I wanna know what I can do about it!
2007-09-06 14:27:31 · 7 answers · asked by Sarah 2 in Business & Finance ➔ Credit
Do you still owe money on the card. Even if you close the accunt you have to pay the card off according to your cardholder agreement.
2007-09-06 14:37:05 · answer #1 · answered by Ti 7 · 0⤊ 0⤋
Did you close the account before you paid if off? Always a bad idea.
Did you close the account by letter or over the phone?
Stop calling them and send them a letter. Explain that you closed the account (a copy of the letter request closing would be helpful) and that they returned your last payment. Enclose a check for the final payment amount. Do not include all the late fees that were added. Request they correct their error and take off all the late fees. Ask for written confirmation that the account has been closed and now has a zero balance.
You may want to throw in there that you've made numerous calls to their outsourced customer service number and are tired of waiting for the guy with the accent to look deeper into it.
In the future, always close credit card accounts via letter and alwasy request written verification that the account is closed. Otherwise, it will come back to bite you.
2007-09-06 14:42:59 · answer #2 · answered by bdancer222 7 · 2⤊ 0⤋
The first issue is understanding what you have. Do you have a credit card or do you have a debit card?
They are not the same thing and your answer starts off talking about a credit card and then you call it a debit card.
When you can clarify, you can get an answer you can use.
2007-09-06 14:41:09 · answer #3 · answered by Expert8675309 7 · 1⤊ 2⤋
Did you question why they returned your payment? or when you balanced your checkbook that month or the month after that you didn't notice the payment never went thru?
I am not sure if you have a legit compliant, but if you did you could file a complaint with the FTC. website below, hope it helps
2007-09-06 14:58:55 · answer #4 · answered by Etta P 4 · 0⤊ 1⤋
Go contact someone from your credit card company, or your bank, and have them help you. Or its just early termination fees u didn't know about.
2007-09-06 14:35:39 · answer #5 · answered by Prove god, then we'll talk. 3 · 0⤊ 1⤋
let me guess, you got an aspire visa credit card, right? that company is very awful with customer service.
http://www.ripoffreport.com/reports/0/147/ripoff0147019.htm
2007-09-06 14:38:23 · answer #6 · answered by Hidden_Sn 2 · 0⤊ 0⤋
Why was the payment returned?
2007-09-06 14:39:08 · answer #7 · answered by StephenWeinstein 7 · 0⤊ 0⤋