Discussions

So I used to have a Westoba Credit Union Mastercard back in 2006/2007 and I formally closed the account in 2010 due to absolutely horrendous customer service. Today I just received a letter in the mail from MBNA (who bought credit union mastercard accounts) and they reopened my account without my consent or knowledge, they sent me a letter to my old mailing address (which luckily I know the people that live their now so I was lucky to get the letter). Anyone else have this happen? Who do I make a formal complaint to about this? Credit Bureau? I do not feel MBNA had the right to reopen my closed account and mail out my personal information related to that account even after it was fully closed, especially a decade later... I double checked my emails and my credit monitoring and they both have confirmed my old account was formally closed with no balance left owing back in April of 2010.

Yeesh. I would say that a complaint is warranted, but perhaps it would be worth a shot to contact MBNA to inquire about what happened. At least that way you might get more information to report and you should be able to close the account again if it really has been reopened.  
 
Credit card companies are the worst. I would love to not have a credit card but in many cases they are a necessity.  
 
I should add that currently my only credit card is an MBNA card, since Westoba stopped doing business with their original company. Personally I haven't had any issues with them as a current cardholder. I am puzzled as to why they would reopen an account that has been closed for ten years.  
 
Edited by Millenial, 2020-03-02 18:16:00

Got the same letter showing $0.00 balance/owing.  
I closed my account years ago! MBNA Canada is now owned by TD Bank so you could always go down there to see if anyone has a clue what’s going on (good luck)!  
Regards: GRAMMA