Refusal to close a paid up credit card.

It's the absolute worse bank I have ever come across. Extremely expensive, poor service, useless consultants and *******. I have been trying to close my credit card with them since March and its still not closed. My credit card was paid off and Instructed them to close it. They are sending me from pillar to post, coming up with different excuses and yet continue to charge me their "ridiculously exorbitant bank" fees.

I opened the account in Dec last year, I used it once in Feb. In March they send me debt collection reminders. I called them and it appears much of what I owe is accumulative bank charge. This was a substantial amount in bank changes so I paid them off anyways and instructed that they close the account. I also informed them that their account fees were too much and I wasn't really using the account.

In June they send me premium collection messages again, apparently these are bank charges accumulated after I paid. Out of frustration and not so useful consultants. I paid the settlement amount again, and told them to close off the account. Now in October I am receiving debt collection messages.

What do I do.