skychick Posted April 24, 2007 Report Share Posted April 24, 2007 I'm not really new to the board, but I had to re-register again. So...hello to everyone, and I love the board!I have had myself out of credit debt for sometime now (thanks to the board here) but have encountered a problem that I can get resolved!I have searched for info but am unable to locate anything.So here goes.....;I paid off and closed an account sometime back in January. Actually my husband did. However, a few months later he noticed that Rhapsody Music had charged a service and he had received a statement from the credit card company. (I have to tell you that this was a credit card from Applied Card). Anyway, he called Applied and they corrected it and did say that since it was a paid off and closed account it should not have happened. End of story. So we thought.......Three months later, (today) he gets a statement from Applied Card and it has... you guessed it... a charge from Rhapsody Music!!! Aargh!!!Husband calls the card company and 30 minutes later, he is no better off than when he started. They are clueless, and said to dispute it!I tried to pull up stuff on the FTC site, but can't find anything that refers to a closed card, with unautherized charges??!If I send the card company a letter and copy of the statement that says; "CLOSED", is that good enough? What can I do to keep this from happening and also from becoming a negative mark on my credit report??This is insane and it's very frustrating.Thank you in advance.skychick Link to comment Share on other sites More sharing options...
MadinKS Posted April 24, 2007 Report Share Posted April 24, 2007 Sounds like you need to get Applied's head to pop out of their A$$! I would start with the letter and stuff. See what happens. If it doesn't help you may have to get Applied's attention w/an ITS letter. If you have proof that the account has been closed and Applied still lets people charge to that card, how is that your fault? I can see how that would be frustrating. BTW, welcome back. Link to comment Share on other sites More sharing options...
skychick Posted April 25, 2007 Author Report Share Posted April 25, 2007 Hi MadinKS!Thanks for the welcome.Yes, I would think it wouldn't be my fault, but hey, you know we live in America where you're; "Guilty before proven innocent!!" Hopefully someone else will throw some more light on this. I'll start the ITS letters too. Thanks!Skychick Link to comment Share on other sites More sharing options...
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