That sounds like Capitol One!
Biggest bunch of legalized thieves I ever dealt with.
I had to threaten to sue in order to get them off my back after I cancelled their card.
Cap1 is really weird. We know a person who cap1 cancelled card with zero notice. Individual always paid same day bill arrived. Had 836 FICO credit score and was never late paying any bill in entire life including Cap1. Fortunately you can find better cards from other banks
Jeez. The bastards will turn you down for a credit with no reason at all sometimes. Never heard of them saying to canceling one.
They hired Alec Baldwin as their mouthpiece. ‘nuff said.
The secret is to cancel it on-line, and never talk to a person. I recently canceled mine. The companies are getting wise to that too... canceling Direct TV forces you to talk. My wife, in her brilliance, told them I lost my job.
All Anybody has to do to stop any transactions is tell them that you are going to buy a bunch of scary guns and open up a Gun Shop and need a Business Account and Cards.
You will be banned from most financial institutions so fast it’ll leave your ear lobes a flapping.
“I guess two wars didn’t prepare you for battle with corporate America. Anyway, thanks for fighting for us. It was my pleasure fighting for you. Stay well.”
Some 90ish year old guy has a problem with Cap1 and Crudele uses that to bash “corporate America”? Screw you Crudele.
I don’t know what his veteran status has to do with it.
But as a 90 something he should just tell them to screw.
Chase Bank is also bad to deal with.
I closed a couple of accounts, zero’d them out.
I kept getting bank statements charging me a fee for not having the minimum amount in the account. This went on for 6 months.
” made no charges, and paid off the amount due prior to the visit. It keeps charging me interest,”
There is more to this story not in the article. Not sure how they can charge interest with no balance. Maybe this was this a yearly fee? The article is to short to get a full understanding of the facts.
Before I retired I decided to close all of the accounts except for the one I used.
I did the same thing for each card. I sent a letter with the pertinent information to the bank, requesting them close the account immediately.
Then I sent copies of the letters to the three credit agencies telling them I had closed my account and to update my credit file accordingly.
And finally, I carbon copied my attorney by name so the bank would know I had legal counsel behind my efforts and could use him to go after them if they failed to properly close the account.
I never told the attorney and didn't ever use him, but the simple use of his name on the letter was enough to fend off any harassment by the banks.
Works like a charm.
I had (have) the same issue with PNC bank. Fortunately, I have never had a credit card with them. For a short time our company had its medical savings account with them. During that time, I also took out a good sized CD with them. The company moved to a bank with much better MSA policies, and transferred all funds to it. I later withdrew the CD when it expired. At the time I told them to cancel my account. I had no money in any PNC account, and had never had loans of any type from them.
I continued to get emails monthly saying my “account statement was available”. I made calls and even two personal trips to the local office telling them to cancel whatever account(s) I had. The last time, they told me I must cancel it on line. Of course, when I attempted that, it requires a password which I never set, so I couldn’t log in. I have given up wasting any more time. This is the most time I have wasted on then in a decade.
I still get the emails, I still ignore them. I haven’t delegated them to Junk status, in case they someday threaten something, but they still seem to think I have some kind of account with them.
There are advantages and disadvantages to having a credit card. Lots of articles about this.
However this is one situation where a debit card is better. If you feel the bank is being unfair, just cut the card into pieces and throw it away. Pay particular attention to cutting up the chip (gold colored) on the card.
Send it certified mail. If you can't find who the CEO is and his address, then it has to be addressed to a company board member. (Not the address the warrant will have) Specify the exact amount that they are charging you and state you will file a warrant in debt against them including court costs!
If they don't resolve in 10 business days or contact you, go to your district court and file a Warrant in Debt against the company, naming the CEO or Board member as the defendant. You are the Plaintiff. A court date will be set. Normally you have to sue the company in care of their registered agent
You have to serve process on their registered agent for the warrant to be valid, i.e. depending what state you live in, you have to petition the secretary of your state to serve process. This is actually the most difficult part as I am sure every state is different but an internet search should give you all the info you need.
I know it soulds really complicated but after a few times you get the hang of it! ;-)
p.s. Every Corporation has to have a Registered Agent in the state where they do business. Most big corps like capital one have a private registered agent they hire, which is the party that the state attorney you are petitioning will serve process on. You shouldn't have a problem finding who's who from an internet search
I had that happen to me once. I had to call and raise Hell toget it closed out.
Never had any problems with Cap One. Got my Cap One CC when it was HSBC. When Cap One bought HSBC, a few years back, I missed my annual fee charge because my auto notify pmnt had been discontinued. My credit score went down 90 points for a missed $30 annual fee pmnt. I called Cap One, explained the situation, they apologized and sent a letter to the Credit agencies and my credit score was restored in just a few days. Pretty good service if you ask me.
As has been stated, I think there’s more to this story.