Every month I pay off my CC, two months ago they charged the annual fee the night the statement cycle ended, had no clue-the notice informing me came after. Pushed me right over the limit...right after I paid it off and put enough in to cover the charges. They billed the charges 20- 30 days later, the night the statement cycle ended again. This happened twice before I decided it would make more sense to move the cycle to overlap with my payday, and with an in-house transfer have no worries ever again.
When I contact the Bank that is when the nightmare started. I have two e-mails and two verbal statements that I was indeed able to move this cycle to any date I chose to. Upon further investigation I was informed this cycle had been moved a total of 4 times, to different dates by the bank, w/o my knowledge. Then I was transferred to a manager, over the phone, who very frankly told they not move the date because it would be bad for their business (several times). Hello?!
I canceled the card, paid it off and requested a written confirmation of the closure,as well as the reason for closure. I got the letter confirming the closure yet the account still shows as open, until everything is paid off. At least that is what the letter says.
Can the Bank seriously do this? Are we really this helpless against these giants? Seriously?
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