For several months, we attempted to close the account.First we were told that we actually had two accounts which they would consolidate.

We paid on a statement and the next statement reflected a new late charge. Being fed up with fighting with them, we paid the $72 reflected on the statement as the BALANCE DUE. While we fully accept that it is our responsibility to know what's owed and pay it, it is the creditor's responsibility and legal obligation to reflect ALL balances, fees and charges on their monthly statements. Two months after we paid our statement IN FULL(and that was the last statement we received), they call and said that the account is past due and that in order to close it, we had to pay another $25 that they claim was unpaid from the October...the month BEFORE the statement that showed the balance as $72.

That means that the November statement was inaccurate.They extort payment from their unfortunate customers by threatening to dun their credit and making harassing calls and use inaccurate statements or not sending statements at all to keep the customers off balance and confused. 30c6eb3

• new late charge
• legal obligation