Calgarypuck Forums - The Unofficial Calgary Flames Fan Community - View Single Post - RBC

MJK · 02-19-2009, 09:40 AM

SO my credit has always been perfect. I have never had a late payment in my life. About 6 months ago I had an RBC VIsa card and decided it was crap so I canceled it. I paid off the balance on the card, called them up and said I wanted it canceled. It only took a couple days and the visa was gone from my online banking.

I got a letter in the mail about a month ago saying there was a $26 balance left on the Visa and that it needed to be paid right away. So I called the lady asking why the visa dissapeared from my online backing if there was still a balance on it. No one told me over the phone that there was a balance either. She said it was no big deal and I could pay it off. I specifically asked her if this was sent in to collection or if this would reflect badly on my credit history and she said no.

WRONG

I found out today that it is now showing on my credit history as 2 consecutive late payments, one over 60 days. It took me a long time to get the letter becuase they sent it to my old address. By the time it got to me in Nunavut, it was really late.

What gives? What can I do to get this crap off my credit report as I believe it is their fault and not mine.

1. When I canceled the card, no one said anything about $26.
2. I paid off my balance in full as I saw it online.
3. The card dissapered from online banking.
4. The lady told me it would not go on as bad credit which was a lie.

What do I do here?

02-19-2009, 09:40 AM	#1
MJK Franchise Player Join Date: Jun 2003 Location: N/A Exp:	RBC - Visa SUCKS SO my credit has always been perfect. I have never had a late payment in my life. About 6 months ago I had an RBC VIsa card and decided it was crap so I canceled it. I paid off the balance on the card, called them up and said I wanted it canceled. It only took a couple days and the visa was gone from my online banking. I got a letter in the mail about a month ago saying there was a $26 balance left on the Visa and that it needed to be paid right away. So I called the lady asking why the visa dissapeared from my online backing if there was still a balance on it. No one told me over the phone that there was a balance either. She said it was no big deal and I could pay it off. I specifically asked her if this was sent in to collection or if this would reflect badly on my credit history and she said no. WRONG I found out today that it is now showing on my credit history as 2 consecutive late payments, one over 60 days. It took me a long time to get the letter becuase they sent it to my old address. By the time it got to me in Nunavut, it was really late. What gives? What can I do to get this crap off my credit report as I believe it is their fault and not mine. 1. When I canceled the card, no one said anything about $26. 2. I paid off my balance in full as I saw it online. 3. The card dissapered from online banking. 4. The lady told me it would not go on as bad credit which was a lie. What do I do here?