Banks

Banks have been given a license to steal.  I lost a job in 2014.  As a result, I got behind on my credit cards.  I know, my fault for even having them.  Well, they closed the accounts after I had begun making payments.  I was not notified they had closed the accounts.  I found out when I went on line and tried to set up to view my accounts.  So this was in February.  I have been trying since to get in touch with someone with this bank.  All calls go to India.  And those taking the calls speak very little English.  I finally got in touch with someone in Orlando today and he was perfectly happy to let me call in and make payments.  No, I could not mail them in.  I could not have them draft a checking account.  I could not view them online.  Basically, what I would do is just call them, give them my account number and routing number and tell them how much I wanted to pay.  I was told that this was an "unofficial" payment plan.  So I asked, well if you charged off the account, should I not have gotten a 1099-C.  Oh, yes, they mailed me a 1099-C.  No, they did not.  So then it gets really crappy.  I will have to pay income taxes on that money, but they will allow me to pay it back to get it off my credit report.  So, in essence, they write it off, take the tax deduction, then take my money to pay it back.  I would be paying double and they would bury the payments somewhere and it would never get reported.  I told them to stick it. Oh, and if I want them to mail me "another" 1099-C then I have to deal with those idiots in India.  They want your name, social security number, date of birth and your mother's maiden name.  Nope. Not happening.  I will just write it up, file an amended return and attach a statement telling them that this bank did not give me a 1099-C.  This just confirms that banks are the new Mafia.  They can steal and face no repercussions.  Wow! I will not deal with a bank again.  I am going credit unions all the way.  This crap is really scary.