I was told over the phone and I received a letter from Exxon Mobil stating that my credit card did not charge annual fees. At that time my card had a XXXX balance. XXXX month later I was charged an annual fee of {$29.00}. I did not pay pending a reversal of that fee. I was refunded {$24.00} leaving me with a balance of {$4.00} and subsequently charged a {$2.00} fee for non payment of the {$4.00} and charged another {$2.00} fee on the following month. All due to an annual fee I was told I would not incurr. They refused to refund the late fees and I was forced to close the account so as not to incurr in further fees, or forced to pay the illegal fee charge. 
