I just got screwed big time and Im at a loss of what to do

I had a credit card for 5 yrs in which I was never late ever on a payment, and I paid the balance of in full this past August. Never recd any letter or bill after that which is normally what happens when you pay off a bill. Anyhow, I was recently checking my credit report and noticed that there were all these late charges for this card on my report, so I immediately called the credit card. They said that they billed me the annual fee in Sept of 07 and that was not paid and it kept racking up late charges. They absorbed the late fees and I asked them why i never recd a bill or phone call. They said that i had been set up for e bills which I do not recall ever doing nor have i ever gotten an email from them. Now my cerdit score dropped becasue the this went on undetected for 120+ days. They said there is nothing that I can do that i have to write a letter to the bureaus and see IF they will take it off. I just cant get over this. They closed the account and everything and never sent me one bill or phone call stating this I have spoken to 3 people at the dep including a supervisor and they all say there is nothing that they can do

the annual fee was like 59$ and why if i paid off the balance in August would i let me credit go to shite over 59$. i did not know about this charge and never recd a bill. I am besides my self. im going to write the letters but i dont know if they will do anything for me. I cant beleive this. Is there anything else I can do??

Message edited 3/4/2008 10:16:39 AM.

Re: I just got screwed big time and Im at a loss of what to do

Get a letter from the credit card company confirming what you just wrote and attach that to your letter to the credit bureau.

FYI, the credit card company SHOULD be able to get that off for you!

Re: I just got screwed big time and Im at a loss of what to do

Posted by bicosi

Get a letter from the credit card company confirming what you just wrote and attach that to your letter to the credit bureau.

FYI, the credit card company SHOULD be able to get that off for you!

Re: I just got screwed big time and Im at a loss of what to do

Posted by antoinette

Posted by bicosi

Get a letter from the credit card company confirming what you just wrote and attach that to your letter to the credit bureau.

FYI, the credit card company SHOULD be able to get that off for you!

The credit card company said they cant do anything because they never got a returned email- I dont even know what email they sent it to because i never recd a bill.

Re: I just got screwed big time and Im at a loss of what to do

contact the state attorney generals office- believe me they the credit card company will take it off!
also contact BBB online, they too will follow the complaint.
Call your credit report the one that lowered your score and tell them the problem too- they may be able to guide you.
good luck-
I hate CC!!!!


regarding the above post that they "should" have it in the system- they probably dont.

I had a similiar problem was told they sent me a letter- I asked them to resend this so called letter- they didnt have it anymore- they dont keep them or on file

Message edited 3/4/2008 10:35:47 AM.