BBVA Compass Fraud on fee and penalty charges after I closed my account Plano, Texas

Over 1 year ago I had an account with BBVA Compass which included checking, savings and a line of credit via a credit card. When I wanted to close my account I called and asked what the process was for closing the accounts.  I was told to bring a letter into the branch that I dealt with to close all of my accounts.  I complied with this process over 1 year ago.  In March this year I received an invoice from the Line of Credit Charge Card for an annual fee. (realize the account has had a zero balance and no activity for over 1 year) 

I called the credit card company to let them know they made a mistake in charging me for an annual fee. I was informed that since I did not go through the correct process to close my account that I still owe the annual fee for a credit card that I do not use.  I asked what the process was to close the account and was told to pay the bill and go to my branch and give them a letter to close the account.  (does this sound familiar to anyone?) Oh did I mention that when I had my bank account this line of credit charge card did not have an annual fee?  The fee was assessed because I no longer had an account attached to the credit card. (of course not, I closed the account)

 I asked how I could escalate the issue and was told to contact the branch because only they could close the account and waive the fees if they determine they are not warranted.  I called the branch and was told they would "check into it".  I finally received a call back after 3 attempts to get someone to help me and the final answer was that I owe the fee and should pay it by coming into the branch with a letter to close the account. (not this again)  I have refused to pay the $20 annual fee which has now compounded with penalties to $61.  The credit card company has turned this into the credit agencies and I continue to get harassing calls at home to pay this bill.  I do not know what my options are to dispute this, but clearly I am getting the run around by BBVA Compass.