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>family member passes away in the summer
>forget about credit card bill
>BoA closes both accounts
>USPS is a joke, never get any letters
>Chase sees recent account closure, closes one account since "account balance is negative and you haven't used your card recently, we'll refund your annual fee"
>all phone calls from Chase show up as "Spam" on my CID
>USPS still a joke, no letters
>annual fee NOT refunded, incurs late fees, past due, interest, etc.
>Chase closes other two accounts because of a "recent Chase account closure and delinquency"
>same thing happens there
>snowballs
>Chase letters show up two months late
>call Chase, pay balances in full, "we'll reconsider your account closures"
>Chase reports accounts an extra 2 months past due after they've been paid in full
>notice BoA card isn't working
>call BoA, pay in full, they never mention the accounts are closed, am told everything is fine
>BoA actually refunds all late, past due, and even fucking interest charges the only based thing a bank has ever done for me
>Chase says "lol u were a day late on reconsideration" - deadline was Christmas - a Saturday AND a federal holiday
>complain to the CB
>Chase executive office "looks into it"
>two weeks pass
>receive 30 MB PDF of "lol fuck you here's your cardmember agreement in quadruplicate because fuck you"
>yes we said we'd refund your annual fees, which go towards providing you exceptional service, no refunds though
>takes $1,000+ in rewards as a final fuck you
>fuck it, I'm going first class, all expense paid ticket to Japan with miles and ODing while plowing something - anything
>no more - no miles
>lifelong, perfect credit completely fucking ruined with the loss of nearly $50,000 in underutilized credit
>receive pity checks from BoA for negative balances in record time
>BoA letters about them kindly reporting all of my accoutnts as paid in full, never delinquent to the credit agencies show up - over a month late
>account closure letters still never showed up
someone hold me...
all I have left is the shitty Capital One card that I use to send VPN ARS akasupas...
