I paid off my account with Credit One Bank credit card in December 2010. In January 2011, I closed my account with them. When I closed the account, I wrote down the customer service rep's (CSR) name and the confirmation number that he gave me. As of April 2011, my account is still open. I have attempted to call Credit One Bank, but after entering my account number and dialing the "0" prompt to talk with a CSR; the line goes DEAD. I have called many times and I cannot connect with a human being. I now have "annual fee" charges for the month of February, March, and a late fee. I am sure that this failure to close my account is placing negative glitches on my credit report. What am I to do now?

I received a Credit One offer in the mail. After READING it front to back and doing my homework. The fees are terrible. Annual fee for first year is 75 dollars and every year after that is 99 dollars, plus payment fees ect. So I taken out my lighter and set the paper on fire and discarded the ashes. My credit wasn't great "620". I went with capital one and started off with typical 300 dollar balance. I been paying my monthly payments before its due and paying more then the minimum every month, on my cards. Now my credit and credit limit are through the roof. I now own a home and a new car. For the.people complaining...You got to do your homework and read everything. Stop acting on impulse. No matter what CC you have keep your card balance at 0 or less then 25% of the credit limit.