CIMB Credit Card

I am facing a stressful situation now. After 20 years CIMB Credit Card made a collection agency, Shariq Partners, came after me claiming I owe credit card debt of RM4,000.00. I was shocked, angry and disgusted. I remember very well about this credit card which I have terminated in 1990 and closed my account with Bank Bumiputra ( at that time). I called personally the centre to request for termination and paid the standing amount. Unfortunately after 20 years, I have destroyed all mails about Bank Bumiputra.
My dissatisfaction boilds down to the inefficiency of the staff and they make me, the client, as their victim. Questions IF I ever owe them:
1. Why don't they contact me earlier, maybe the longest 5 years and not 20 years, IF I really owed them?
2. Is this a ploy to squeez their clients by charging interest for that long period of time?
3. Haven't they noticed that the card has never been used for such a long period? I have destroyed the card. It didn't make sense that the card lay dormant for along time and not used. Sudderenly they found a sum was owed to them.
4. Haven't they checked my records that I never run up bills for that amount and that I settled my bill on time unless I was away overseas?

I think CIMB is trying to squeez every cent from their customer in everyway they can think of. The staff is also working as a robot, not bothering to check my record but conveniently claimed that I owed them money, after 20 years.

I have contacted CIMB Credit Card Centre but nobody could help because the officer in charge was on leave. I have left my mobile number for the manager to contact me but no news so far. What's going on?

I am so angry at this victimization strategy. Is there anybody out there who can help me and give me ideas on what to do?

I have another saving account newly opened at PD and I am going to close that account. My daughter, Maz, gave me a supplementary CIMB Visa card and I would her like to change to other bank.

So for those who read this blog, just be careful and be aware when you use your credit card. If you terminate the card, keep the termination notice until the end of your life.

I also received email about CIMB from a friend, claiming credit card debt from a person who has died for some time. Isn't that stupid and prove how inefficient the staff is? Now, I got to think of what I should do to clear my name.