Direct Merchants Bank / Awful bank
I am hearing-impaired but do not know how to use TYY-services -- and I do NOT have a phone. I therefore communicate by email. I requested that my account for this Platinum Mastercard from Direct Merchants Bank (Nevada) be closed out/canceled because I do not plan to ever use this card again and do not wish to incur anymore charges that they might impose upon me if my account remains active. In other words, I cannot afford to incur anymore charges just by having an active account. I explained all this to Account Centrals Customer Service Department and they insisted I have to call on the phone. Since I cannot do this, I have requested several times that they do this by email, and most of these times I have been ignored by the Customer Service Department. I feel they are trying to hold onto me so that they can continue to charge me fees even though I will never use this card again. I am overlimit and have incurred late charges and can only pay about $35 a month even though they want more as a minimum payment. I think they should honor a customer's request to cancel the card by email if there is a good reason -- and I feel I do have a good reason. I am very low-income and should not have a credit card at all. I got it several years ago only because Apple Computer was offering it and I needed a new computer. When they issued it, it was not enough to buy a computer so I ended up buying one from a neighbor. I have been trying to pay them but it seems I keep getting more and more behind. To reiterate, I simply want them to honor my request to cancel my card by email as I have repeatedly asked.