membership $. What can we do? He called and canceled the card, balance was zero. Year later we start getting letters saying we owe, not on a purchase, but an annual fee. He called repeatedly and we continued to get letters asking for payment. Just recently got a letter showing they sent his info to a law firm for collection. I am not sure he ever received in writing the card cancellation, but it is definitely canceled. It is not usable/activated. Do we really have to pay???? SO very frustrated.
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Husband canceled AmEx business card and a year later they are trying to collect
- Thread starter Lisa G
- Start date
StephenWeinstein
New member
You are confusing the card and the account. "Activation" affects only the physical piece of plastic. It does not affect the account. An annual fee is owed if the "account" is open, even if the card is not activated.
Dixie Darlin'
New member
Although he canceled the card verbally, that does not mean that the card was canceled, the customer service rep could have been negligent in closing the account. Unless he has a confirmation number of the account being closed, then yes he will have to pay the annual fee or suffer a bad account on his credit report.
For added assurance (in case the customer service rep makes a mistake), I always write a short cancellation letter to the card issuer, directed to the name provided. Request written confirmation of the account's closure. The letter should include your name, address, phone number and account number, and details from your earlier phone call. Also, state that you want your credit report to reflect that the account was "closed at the consumer's request."
For added assurance (in case the customer service rep makes a mistake), I always write a short cancellation letter to the card issuer, directed to the name provided. Request written confirmation of the account's closure. The letter should include your name, address, phone number and account number, and details from your earlier phone call. Also, state that you want your credit report to reflect that the account was "closed at the consumer's request."
Dixie Darlin'
New member
Although he canceled the card verbally, that does not mean that the card was canceled, the customer service rep could have been negligent in closing the account. Unless he has a confirmation number of the account being closed, then yes he will have to pay the annual fee or suffer a bad account on his credit report.
For added assurance (in case the customer service rep makes a mistake), I always write a short cancellation letter to the card issuer, directed to the name provided. Request written confirmation of the account's closure. The letter should include your name, address, phone number and account number, and details from your earlier phone call. Also, state that you want your credit report to reflect that the account was "closed at the consumer's request."
For added assurance (in case the customer service rep makes a mistake), I always write a short cancellation letter to the card issuer, directed to the name provided. Request written confirmation of the account's closure. The letter should include your name, address, phone number and account number, and details from your earlier phone call. Also, state that you want your credit report to reflect that the account was "closed at the consumer's request."
Dixie Darlin'
New member
Although he canceled the card verbally, that does not mean that the card was canceled, the customer service rep could have been negligent in closing the account. Unless he has a confirmation number of the account being closed, then yes he will have to pay the annual fee or suffer a bad account on his credit report.
For added assurance (in case the customer service rep makes a mistake), I always write a short cancellation letter to the card issuer, directed to the name provided. Request written confirmation of the account's closure. The letter should include your name, address, phone number and account number, and details from your earlier phone call. Also, state that you want your credit report to reflect that the account was "closed at the consumer's request."
For added assurance (in case the customer service rep makes a mistake), I always write a short cancellation letter to the card issuer, directed to the name provided. Request written confirmation of the account's closure. The letter should include your name, address, phone number and account number, and details from your earlier phone call. Also, state that you want your credit report to reflect that the account was "closed at the consumer's request."
Hmm, it depends when you canceled it. For example, if you got the card in February of 2005 and then decided to cancel in March of 2009, I believe that due to AMEX rules, you still must pay the annual fee for all of 2009 so even though you cancelled a month after February, since you still had the card going into your fourth year you are contractually obligated to pay the annual fee. Is that the case?
If not, you should check to see if the card was really cancelled. Call AMEX and ask them to send you a document saying they closed it. If it was closed by your or your husband there should be documented evidence of it.
Good luck.
If not, you should check to see if the card was really cancelled. Call AMEX and ask them to send you a document saying they closed it. If it was closed by your or your husband there should be documented evidence of it.
Good luck.