Quick diary here as I'm on a deadline. I just came back from Chase where they reverted, with apologies, an incorrect (but hardly innocent) $10 finance charge they applied to an account I closed last month. There were no late checks or anything -- it was entirely Chase's doing.
As I was clearly in the right they made no fuss, but I'm SURE every other customer who closes an account is hit with the same fee, and many probably don't have the time or stomach to argue. So that's a pretty nice little racket. I wonder what can be done about it.
A few more details below the fold.