I had the strangest thing happen to me today. I closed an account on a AMEX Credit Card a year ago and today they send me an account statement with a $80 charge on it for Ascent membership rewards. I have a letter from them a year ago confirming the account was closed!
I called them and was told the we are very sorry story, this should not have happened, your account is closed, we will reverse the charge and send you a new statement. This all was just a SYSTEM ERROR ...
I am wondering if anybody out there knows what "closing an account" really means and how long they will leave the account and my personal data hanging around in their systems?
Is it legal for them to keep my personal data, which they obviously did as they had my address etc. once I close my account for 1 year plus? How long can they keep or when are they required to delete it?
Does anybody know what needs to be done to really CLOSE an account - with that I mean the account is closed, does not anymore exist and they can't add any chargest to it. What do i need to do to get myself of their systems?
Thanks for any advise.
I called them and was told the we are very sorry story, this should not have happened, your account is closed, we will reverse the charge and send you a new statement. This all was just a SYSTEM ERROR ...
I am wondering if anybody out there knows what "closing an account" really means and how long they will leave the account and my personal data hanging around in their systems?
Is it legal for them to keep my personal data, which they obviously did as they had my address etc. once I close my account for 1 year plus? How long can they keep or when are they required to delete it?
Does anybody know what needs to be done to really CLOSE an account - with that I mean the account is closed, does not anymore exist and they can't add any chargest to it. What do i need to do to get myself of their systems?
Thanks for any advise.