We had a Zions First National Bank credit card, opened in XX/XX/XXXX. We made all payments on time, never late. We stopped using the card but kept the card open. 
In XX/XX/XXXX we moved from XXXX to XXXX. 
The card has an annual fee which was always paid on time when billed. Because of the move we did not receive the bill and the issuer added late charges and fees to the annual fee. They never called either me or my husband to let us know we had a balance and to collect, we are both over XXXX and this should have been a factor. 
When I finally received the bill 3 months later forwarded from my old address I called Zions. I paid the entire amount including fees and late charges ( {$25.00} annual fee with late charges totaled {$75.00} ) and they said they would pull the negative credit reporting. I also closed the account due to their obvious lack of valuing us as a customer and lack of customer service. 
The issue today is that the negative 30 day late is still on our credit reports. They reported it as closed by credit grantor which is inaccurate because we requested it be closed, It is the only negative item but it affects our overall credit score. 
I 've called Zions bank XXXX times and they request that I send a letter explaining what happened each time. I do n't know what they do with the letters because they should have them in triplicate at this point. 
Due to our ages and previous payment history the fact they never called to find out why we had n't paid an annual fee but instead adding late charges to it, borders on elder abuse, and I feel it should be reported. 
