The important thing you must do is write them a letter telling them the problem. Keep a copy of the letter for your files and mail a copy to the address they give in the billing statement for a dispute. Calling and email doesn't protect you. I do all three just to make sure they get the message.
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My guess is that company was a collection agency? Never give anyone your bank info, or credit card info. If the company was a legitimate company you were doing business with and you did not authorize payment dispute the charge with your credit card company.
Sure they can. Inactive means it hasn't been used for a while, but it is still a valid account.
credit to interest revenue
No, if you close your credit card, a merchant will not be able to charge the account. When the merchant attempts to get an authorization, it will come back declined.Now, if a merchant received an authorization before the card account was closed, the authorization will be honored.A merchant may attempt to force a credit card transaction without an authorization, but the credit card company will not pay it.http://paymenttransactionsystems.comhttp://merchantpos.net
No, a company can not charge a credit card without permission. This violation should be reported immediately to your credit card company.
I can't speak for everyone, but two months after I cancelled my membership and got a confirmation, a charge to my credit card for $75 showed up from them. I have tried three times to contact them and it's been over a month, so I am now disputing the charge with my credit card company.
Contact your bank or credit card company.
No...you need to call your credit card company and file a complaint.
In this situation, you would have a disputed charge on your credit card. After disputing this charge, a third party arbitrator will review the facts and make a ruling which is said to be final. Most of these settlements are handled out of court and without lawyers. Unfortunately, most "third party" companies are on the credit card company's bank roll, and will normally settle in favor of the credit card company in big cases. Look at the ADR section of your contract, and it should explain disputing charges and arbitration for your particular company. The following article may also be useful to you. http://findarticles.com/p/articles/mi_m1365/is_1_36/ai_n15674307
any amount due them
You can have a credit dispute, if the agency reporting the bad judgment does not get back with the company disputing the judgment within 30 days, it HAS to be removed from your credit report. Example: I filed bankruptcy(?) on a auto repo. and the company did not take it off my credit report, I had my credit card company do a credit dispute, they did not respond within 30 days, and it was removed from my credit report.
credit limit fee
When you charge more than your current credit limit
Yes
Prehaps. This is a contest of wills. The winner will be the one who is most persistent. If you are aggressive in disputing the charge the charge will probably be invalidated. This does not necessarily mean the rental place will not still try to collect.
"Whether a debtor keeps credit cards after filing bankruptcy is up to the credit card company. If you are discharging a credit card they will cancel the card unless you reaffirm the debt. Even if you have a zero balance the credit card company might cancel the card."