- Centurion Member
- Posts: 239
- Joined: Wed Feb 18, 2015 9:04 pm
- Location: Texas
I would also make sure to double and triple check, get some kind of confirmation if possible, and continuing monitoring the account until you no longer can with the expectation that there will be some kind of problem (expect the worst, hope for the best kind of thing).
So for example you might try closing the account online, then assuming that works still also call in and confirm the closure with a representative, then also call the automated system a week or so later and confirm that it's saying your account is closed. If they let you continue logging into the account after it's closed - which Capital One did for instance after I closed mine a few years back - I would continue to do that on a regular basis to confirm until it's been quite some time and/or you're no longer able to, so that you can confirm that no fees or anything are getting charged.
Either way I would definitely call back and speak with a representative a couple of weeks after the account is closed and just say that you're confirming the account is closed, there's a zero balance, and no more fees will be charged.
If you can get anything in writing, or at least by email, stating the account is paid off and closed, so much the better.
Hopefully all of this will be completely unnecessary, but if you don't like them and they have a poor reputation, it's better to be safe than sorry.