ULTRA VX New Millennium Bank They never canceled my card, now it's on my credit report. New Brunswick New Jersey

I got this card several years ago, but as soon as I got it I realised that it was not what it seemed to be. I immediately contacted them and told them I wanted to cancel. They said I had to mail the card back.

I mailed the card back immediately, yet could not get any more information. I called several times and got no where. Now I see years later that it is on my credity report for $77. I disputed it cause it was a pre-paid card! How can a pre-paid card have a negative balance?? Naturally, I lost the dispute to a card that does not even exist any more!!