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Finance Charges to closed Chase CC account


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I am not sure this i the right place for this post

Help, I need some type of clarification.

Do you incur fiannce charges if your CC account is marked closed on the CR ?

I have or "at least had" a CC account with Chase. Assumming that it was open and active because I am still recieving statements currently and that I perviously set up payment arrangements to decrease my balance. I recently called Chase to modify the payment arrangments and dicuss charges to the account with no activity and they told my account has been closed since 6/2007 but I still incur charges. How is that so ??

Also did not recieve a notice that it was closed.

Are there any laws for protection against this ?

:?

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