This account was a credit card unsecured loan that was paid and closed. They applied an annual fee and it caused the account to re-open. "as a charge auto re-opens the account. They mailed a bill two months after I moved and it became a collection account. Not only did I not get my "secured loan payment after closing it" but I also received a collection debt on my credit file. I had to pay this "bank fees balance of 534 after revolving and accruing their own internal fees, but now even after paying a balance I should have not... read full review »