I decided to not pay another annual fee for a Bank of America Visa card. My expectation was the account would be closed. A month later I got a bill for my account which had been charged the annual fee. I did not knowingly ever agree to have the company automatically renew my account. I then called the company and was assured by customer service they would close the account and back out the charges. A month later I received another bill with a penalty included. I called again and was told they would close the account and back out all of the charges. A month later they continued to add penalties and did not close the account. I then sent them a letter with a return receipt by XXXX Mail. I detailed the above in this letter and told them to close the account and send me a final bill and I would pay that to just end this stupid experience. Instead they reported me to a credit reporting agency that I was now 120 days past due. 
I had not used this credit card for years. It was an emergency card. 
