I'm in the process of moving so of course the movers show up late. Then they complain because half the stuff I have isn't on their manifest--but it is on *my* copy so I yell at the owner of the moving company and they do their thing--but not happy about it. At least they wrapped the sofas etc so nothing was broken or scratched. When I get to the new place, it's just in time for the mail carrier to walk up and give me the statement for my oldest retail account (since 1985, no age comments please ;-)and I noticed there was a $5 late fee (they started that when the store chain sold their credit card portfolio to a banking company). Now back in Nov 2000 I lost the original card so they cancelled it and sent me a new one. In January, I saw some charges that I didn't recognize and disputed them. The rep explained that I would be getting copies of the charge slip for review and I thought everything would be on hold until then. I was wrong. Several weeks later I get the copies and they were indeed my charges--I forgot about going to their clearance store while on vacation (the first rep didn't tell me which store). So I called and told them all was well and did a check over the phone. So when I call about that late fee, the rep reversed it and told me my account was now zero. I asked about my limit (they don't print it on the statement) and she said "nothing"--my account was closed when it went 30 days past due! I asked about the whole dispute thing--she saw *no record* of any dispute! grrrrrrrr I'm going to start up with junum and got my Equifax and sure enough, there's a closed by merchant for that store account. There is another letter that was forwarded and it's from someplace called the LA AND ORANGE COUNTY ADUSTMENT BUREAU. They are demanding payment for some hospital that I visited one time over 2 years ago. The thing is, I paid the hospital when they sent the bill! I think I may need to employ one of lizardking's famous letters! The final straw that killed my weekend was when I checked my car loan and I saw that they finally posted my payment on March 27. Problem is the check cleared my account on March 15!! And they even charged me a late fee! So now that my weekend was shot AND I lost an hour of sleep, I'm ready for a fight!! I say to them, bring it on! Thanks to this board, I'm in a better position to fight with them to protect my rights!