Capital One
Annual fees and late charges billed on paid-off closed cards

I had four credit cards, all with a limit of $1,000 or less. I paid off all of my cards and notified the company, then moved out of state. I had a forwarding order with the postal service. I recently moved back and found bills for an annual membership fee and late charges that totaled over $500. I called the company and they said they had no record of me closing my accounts. They hit me four times for annual membership fees, plus late charges. There had been no activity on the accounts since I closed them.

I mailed written correspondence. I called their customer service three times. I was hung up on by one representative. Finally, I asked to speak to a supervisor. They agreed to make all the accounts $0. If I hadn't been so persistent and demanded they remove the charges, I would have had to pay the fees and had late charges reported on my credit report.

Company: Capital One
Country: USA
Site: capitalone.com

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