My husband and I had a credit card account that we closed in October of 2005 and paid off in March of 2006. On the credit report it shows that the account has been closed and three months with the resulting zero balance after the pay off. In June of 2006 fees charges were applied to this closed account and fees and penalties are accruing. I have attempted to call the creditor, but they tell me they cannot help me, I have written to the creditor's legal counsel and sent it via federal express asking that this mistake be corrected and they have not responded. It's now been 60 days since that federal express letter. I have attempted to dispute the charge through the credit reporting agencies but the creditor tells them the charges are valid. I have been unable in the course of several months to get the credit to show me any documentation or paperwork stating exactly what these charges are.
How does one fix something like this?