@Question_man wrote:All good ideas, except that I don't think I've ever actually used that account, so I would never have written a check to pay that account.
In your OP you state you did use it ......
"I have an active credit card account, but I have not used it in many years and I discarded the card. My insurer issued a credit to this account, and I have the last 4 digits of the account. How can I learn the name of the issuer of this card?"
-doubletalk L
L
@GApeachy wrote:
@Question_man wrote:All good ideas, except that I don't think I've ever actually used that account, so I would never have written a check to pay that account.
In your OP you state you did use it ......
"I have an active credit card account, but I have not used it in many years and I discarded the card. My insurer issued a credit to this account, and I have the last 4 digits of the account. How can I learn the name of the issuer of this card?"
-doubletalk L
Poor thinking on my part.
Since I supplied the card number for my insurer to use, it probably was used. I was thinking that I probably did not use the card "out of my wallet, for everyday purchases", the way I use my "main" card.
@Remedios wrote:
@longtimelurker wrote:
@Remedios wrote:Suggestion to look at credit report has been made multiple times. It's the only solution to OPs problem, and yet, it's something they aren't willing to do.
Then here they stated issuer cannot help them, and the only reason why someone would make such a statement is if they know who issuer is and have contacted them. If they contacted them, one would think that's the end of that story.
If they didn't contact them, I have no idea how to interpret "issuer cannot help me"
In any case, refund from the issuer will be mailed via check, it's just going to take a while.
There is absolutely nothing about this thread that I understand at this point.
While @Remedios was confused by "issuer", the bolded part is important. @Question_man, unless you have a reason to think that the credit card issuer doesn't have a current address, eventually (few months max) they have to refund the credit balance via check, or, worse case ACH. And that credit will also identify the issuer.
I am still confused
I'm just hoping season doesn't end with cliffhanger.
It's actually not confusing at all. I could post a bullet-point summary, but it's all spelled out in this thread, so I won't bother.
OP, I hope you're able to get this sorted out. Just keep in mind that since we're talking about a credit, you're not going to be in any kind of trouble for not paying a bill, you know, like if it was the opposite and you owed money and it ended up on your credit reports. Also, as someone(s) noted upthread, CC companies are required to refund credit balances, so--ultimately--you should receive a check in the mail, as I recently did for one of my Cap1 credit balances. In my case, the account had a negative balance for several months before they finally cut a check. Sit tight! One of these days, even if you don't solve the mystery before then, you should receive a check!
@Remedios wrote:
@SoCalGardener wrote:
@Remedios wrote:
@longtimelurker wrote:
@Remedios wrote:Suggestion to look at credit report has been made multiple times. It's the only solution to OPs problem, and yet, it's something they aren't willing to do.
Then here they stated issuer cannot help them, and the only reason why someone would make such a statement is if they know who issuer is and have contacted them. If they contacted them, one would think that's the end of that story.
If they didn't contact them, I have no idea how to interpret "issuer cannot help me"
In any case, refund from the issuer will be mailed via check, it's just going to take a while.
There is absolutely nothing about this thread that I understand at this point.
While @Remedios was confused by "issuer", the bolded part is important. @Question_man, unless you have a reason to think that the credit card issuer doesn't have a current address, eventually (few months max) they have to refund the credit balance via check, or, worse case ACH. And that credit will also identify the issuer.
I am still confused
I'm just hoping season doesn't end with cliffhanger.
It's actually not confusing at all. I could post a bullet-point summary, but it's all spelled out in this thread, so I won't bother.
OP, I hope you're able to get this sorted out. Just keep in mind that since we're talking about a credit, you're not going to be in any kind of trouble for not paying a bill, you know, like if it was the opposite and you owed money and it ended up on your credit reports. Also, as someone(s) noted upthread, CC companies are required to refund credit balances, so--ultimately--you should receive a check in the mail, as I recently did for one of my Cap1 credit balances. In my case, the account had a negative balance for several months before they finally cut a check. Sit tight! One of these days, even if you don't solve the mystery before then, you should receive a check!
You're not confused at the fact that obvious solution hasnt been tried?
I am not confused at what happened, refund was issued, OP doesn't know which card/issuer. Insurer cannot tell them name of the lender or full card number.
If refund was truly processed, account is open. If it's open, it's on CR.
If it's on CR, it's easily found. Not only that it's easily found but it would give them reported balances for each month, probably helping with elimination process if there are multiple cards that haven't been used.
I must have miscredited you for someone else's comment about the *issuer* having been contacted by the OP, when it was actually the insurance company.
The OP hasn't stated yet whether they've tried the obvious solution that we've all suggested, i.e., checking their reports. That part of this issue is somewhat puzzling, but the issue itself is not confusing. Again, I must have miscredited you for someone else's statement that "I am still confused." Sorry about that!