xepherys

We recently paid off our balance in full on a Chase credit card. The balance was ~$6000. We called and got "today's payoff amount" from a billing rep. We paid that amount. We waited one week and called to close the account. We had overpaid our balance by $20 and they closed the account and mailed out a check for that $20.

Today we got a statement for $72.20 worth of finance charges that were apparently accrued on the average daily balance of ~$2300.

Personally, I think this is bullshit. If they do NOT calculate finance charges daily (I know some banks do), why would they refund our negative balance before the end of that period? If they DO calulate it daily, they are trying to screw us. Does anyone have insight into how to not pay this? Frankly, when I've closed accounts (loans, credit cards) in the past, I've paid of the "today's payoff amount" and been 100% done with it. I've never had a situation like this come up. Frankly, Chase sucks pretty bad, and I don't believe that I owe them this money. However, I'd rather not have this on my credit report. What options do I have? I'm not above threatening them with legal action. In fact, I'd almost be willing to PAY a lawyer a few hundred bucks to file appropriate paperwork rather than give Chase $72.20 I do not owe them.

Thanks in advance for any help!