Plains Commerce Bank TOTAL CARD VISA closed account for disputing unauthorized charge ripoff Sioux Falls South Dakota

I opened an account with Plains Commerce Bank Total Card visa in August of 2004. I was late once in 2005 but always paid more than the minimum amount due. In april 2006 I decided to pay my balance to zero and check each day to see when it had post.

To my surprise I found that i had an available credit of only a couple of dollars instead of the full balance! I found out an unauthorized internet transaction was going to post and I tried to dispute it. I was told there was nothing they could do because the transaction hadn't post yet. If I'm telling you that I didn't authorize the charge and do not want to be held accountable for it can't you stop it before it post? No. I was told if I had given out the card number to a company then there's nothing they could really do. I explained that I purchased an item from the company and have already paid them and was being charged again. She told me to contact the company and try to get them to reverse it (and that company is a whole other story of bad customer service)which I already done and they refused.

I planned to pay the card balance down in payments instead of one lump to zero again for fear that I could get another unauthorized charge(which was now up to the limit).

A week later I got the bill with the posted transaction of the disputed charged. Over the next couple of days I searched for my receipts and proof of payment of the transaction that I was about to dispute. To my surprise May 11, I got a letter saying may account was being closed because the program was no longer offered. Nothing else about the up front fees that still hadn't been reimbursed.

I can't speak to anyone on the phone because it won't let me through after entering the card number. The online ezcardinfo.com doesn't let me in because Plains Commerce Bank has blocked access. I have no idea where my money is or what I actually owe on the card and no way to find out which is the scary part!

How is this legal??

SM
Tyler, Texas
U.S.A.