How to get statements from closed credit card/bank accounts?

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4 posts
EdiR
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How to get statements from closed credit card/bank accounts?

Postby EdiR » Mon Feb 13, 2012 3:46 pm

Hi there, I have made a few mistakes with credit cards and now I am paying the steep price.

1) I took a cash advance for a friend of mine in 2006.
2) Two years later in 2008, I transferred the balance and closed my original credit cards.

In the two years with the original credit cards (MBNA and Capitol One) I handed my statements to my friend so he could see the balance and interest charges I was accumulating. He made a few payments to me but not all of them. He has not paid a dime in the last three years and I would like to take him to Small Claims Court.

My problem is that I don't have my statements from 2006-08. I called the card companies but got brushed off since the cards are not in the system any more. How and where can I ask for help to get some duplicate statements.?

Thank you and please don't ever loan any money on good faith.


Money card
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Postby Money card » Mon Feb 13, 2012 10:45 pm

Are you and your friend sharing an apartment together, did you buy something and put it on your credit card and your friend hasn't paid you back?

So let me get this.Y ou didn't pay your bill in full, so you want to charge your friend interest, did you mention to him since I'm not paying my bill in full any interest I owe Capitol1 you would owe me?

So the last 3 years he hasn't paid you anything. of his charges on your card did you explain to him he has to pay you interest? or just pay whatever you bought but he would pay you back?

The only company that did something like this is American Express, if you had a gold card or platinum card they sent you copies of your year end summary. if you used your capitol1 card you could go down your local bank and ask them if they have copies.

Since you called they said they have nothing. I would try going to your local bank.

EdiR
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Joined: Mon Feb 13, 2012 3:33 pm
Location: Madison, WI

Postby EdiR » Tue Feb 14, 2012 8:19 am

Thank you for your explanation. I have not lived with the person ever. He was in a difficult situation and needed help. I took the 5K out as cash advance 4K from MBNA that is now (Bank of America) and 1K from Capitol One. The arrangement was that he was going to pay any fees or interest accumulated till the account was paid in full. I made minimum payments and continue to make them but because I have transferred the balance around it is hard to present what the charges and interest were while on the original accounts.

Thank you all for looking at this and sharing with me your thoughts.

EdiR
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Posts: 4
Joined: Mon Feb 13, 2012 3:33 pm
Location: Madison, WI

Clarification.

Postby EdiR » Thu Feb 16, 2012 2:45 pm

I feel like my first post is a bit confusing so here is another try:

My goal is to get statements from Bank of America and Capitol One for my credit cards that I paid off and closed in 2008. So far, they can not find me in their searches by account nor by ssn. If any of you has any info on who to contact within Bank of America or Capitol One it will be very helpful to me.

Thank you



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