I have had visa buxx cards for each of my daughters all through high school. My older daughter is now out of college, living on her own and working. I no longer fund her visa buxx card. Recently I received notice from U.S. Bank that I was being charged an "inactivity fee" of $12.00 dollars a month because my daughter was not using her card. I called the bank and asked them to please cancel the card. I was told that because there was a balance on the card of 12 cents, they "could not" cancel it and I would be charged an inactivity fee each month. I wrote a letter thru U S Postal service and explained that it is impossible to charge anything for just 12 cents. I did not wish to pay another $2.50 to load the card to an amount that could be charged. I expressed again that I no longer needed the card and to please cancel it. Two weeks later I received in the mail a letter form US Bank Visa Buxx Cardholder Services that stated because the account had been inactive for 90 days and there was a balance of 12 cents, that "inactivity fees" of $12.00 would continue to be levied until the balance is zero. I called again and explained that it is impossible to charge just 12 cents anywhere and that US Bank could have the 12 cents, just Please, Please cancel the card. My request fell on deaf ears. The person on the phone just kept repeating in a placating way, that they HAD TO charge me an inactivity fee!
How can a bank legally charge a customer for a visa buxx card that the customer has begged to have canceled? How can this be legal?
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