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Substance Abuse
Update on difficult child's move and the dog --update
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<blockquote data-quote="Signorina" data-source="post: 513360"><p>TELL husband TO PAY IT OFF IN CASH!!!</p><p></p><p></p><p>I did the same with my difficult child. I paid by check. But I learned they won't close the account until the check clears. I offered to get the money from the ATM in the lobby instead but difficult child said - no big deal. Within the 3 day waiting period, difficult child called to stop the closures of the accounts.</p><p></p><p>Also, difficult child either reopened his existing cc account or opened a new one with the same bank. I wrote to the bank (actually a university credit union) expressed my displeasure, told them I believed they were violating the Card Act of 2009 (Basically,"Credit for young consumers: Ban credit cards for people under 21 unless they have a co-signer or proof that they have income to pay them back, Bans pre-screening and pre approved credit cards, and the Under 21 year old has get permission from co-signer to increase credit limits on joint accounts ") I provided copies of the cleared check I had written for the past due balance, which stated "TO CLOSE ACCOUNT" on it and emphasized that my son does not have a job and had been suspended from school and that I would not pay it off again. I filed a complaint with the FTC and my US congressman. I got a lot of response - the complaint was forwarded around and got a lot of attention. But the credit union was non nonplussed and dismissive. I basically got a "F/U - this is none of your business, we're not releasing any of the information we used to open/reopen this credit card and we followed the laws so butt out you overbearing mother" from the bank's president and when he was forced to respond to the agencies and my Congressman - he sent them copies of that letter and that was it. I think I posted on here that I was doing it - and you posted you had done a similar thing with a dept store credit card. It was partially vindictive, I was plenty mad- but I was also hoping that this would cause someone within the bank to take a second look at difficult child's credit history (he was way past due when I paid it off) and current employment and at least limit his credit if not cut him off. Trying to save him from himself yet again.</p><p></p><p>just a been there done that</p><p></p><p>At least it is "only" $300 - difficult child had a credit line of $1600+</p></blockquote><p></p>
[QUOTE="Signorina, post: 513360"] TELL husband TO PAY IT OFF IN CASH!!! I did the same with my difficult child. I paid by check. But I learned they won't close the account until the check clears. I offered to get the money from the ATM in the lobby instead but difficult child said - no big deal. Within the 3 day waiting period, difficult child called to stop the closures of the accounts. Also, difficult child either reopened his existing cc account or opened a new one with the same bank. I wrote to the bank (actually a university credit union) expressed my displeasure, told them I believed they were violating the Card Act of 2009 (Basically,"Credit for young consumers: Ban credit cards for people under 21 unless they have a co-signer or proof that they have income to pay them back, Bans pre-screening and pre approved credit cards, and the Under 21 year old has get permission from co-signer to increase credit limits on joint accounts ") I provided copies of the cleared check I had written for the past due balance, which stated "TO CLOSE ACCOUNT" on it and emphasized that my son does not have a job and had been suspended from school and that I would not pay it off again. I filed a complaint with the FTC and my US congressman. I got a lot of response - the complaint was forwarded around and got a lot of attention. But the credit union was non nonplussed and dismissive. I basically got a "F/U - this is none of your business, we're not releasing any of the information we used to open/reopen this credit card and we followed the laws so butt out you overbearing mother" from the bank's president and when he was forced to respond to the agencies and my Congressman - he sent them copies of that letter and that was it. I think I posted on here that I was doing it - and you posted you had done a similar thing with a dept store credit card. It was partially vindictive, I was plenty mad- but I was also hoping that this would cause someone within the bank to take a second look at difficult child's credit history (he was way past due when I paid it off) and current employment and at least limit his credit if not cut him off. Trying to save him from himself yet again. just a been there done that At least it is "only" $300 - difficult child had a credit line of $1600+ [/QUOTE]
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Update on difficult child's move and the dog --update
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