I currently have a credit card that is overdue but has not gone to a collection agency and has not become a judgement (yet) and this credit card company has recently merged with my bank. I did not receive any notices, but they have frozen my bank account and have charged me a processing fee of $100. Is it legal for them to do this?

Well they have to do this because, how do you know they are not waiting for you for along time to come pay the money you have to pay for the month that's the reason they charged they don't have to keep telling you when you have the money you owe

Well you don't pay them money to tell you when you have to pay your acount

well you don't pay them money to tell you when you have to pay your acount



Out of reddies but I have no idea what you are talking about - or what you THINK you are talking about.

Check the terms of your credit card - you must have a copy of the agreement. When banks merge this is not uncommon.

State Law also plays a part - what State is the bank in? Also in California?