Gerhard Fiedler wrote:
> Bob Axtell wrote:
> 
>> 3. The CC Paypal used was cancelled by us a year ago. But our bank
>> claims it was never cancelled (yet it was destroyed in the presence of
>> bank personnel when we cancelled it).
> 
> Sounds that your bank should have to do some explaining. After all, that's
> where you canceled it. If they had done that, everything would be fine.
> Since they didn't do it, anybody charging to that old number could have
> done you harm.
> 
> FWIW, I think that most banks deal with such cancellations in a really
> irritating shoddy way. The minimum should be a cancellation confirmation in
> writing, together with a statement that shows that the account had a 0
> balance. With such a confirmation in hands, it should be easy to prove that
> any charges to that account are not your business anymore.

US banks (cc cards at least) can keep accounts open literally forever.
I had an account I closed because someone had used it for lots of small
charges around the US.  For nearly 5 years after someone was still using
the numbers, and the account would "re-open" -- or worse, they would try
to transfer the card's uses to my new card.

Clearly, something is broken there.  And I did have (in writing) that
the account was closed.  And that no new charges would be accepted.  But
legally, they can open accounts that I continue to use -- they just have
a very open definition of "I" that seems to mean "anyone".

--Michael
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