I closed my account with a 0 (zero) balance. Four months later, they started calling me every day, telling them I owe them $111 for some charge that they said was "disputed" at the time when the account was closed, and therefore did not show on the statement at that time. I NEVER DISPUTED ANYTHING - they simply made the whole thing up, and I ended paying for the $111 twice (the second time after they forcefully re-opened my account). I am still not very sure I got rid of them though - they ABSOLUTELY REFUSE TO SEND YOU ANY... read full review »