Emblem Jefferson Capital Systems, LLC / TCI Solutions Closed Account but can still access and get information on it. Nationwide

I closed my account with what is now called Emblem, April 2014.  August 2014, cleaning out my wallet out, I was just going to cut the card up and trash it, I decided to call the number on the back and was amazed at how I was still able to get the information about my account from the card.  The operator I spoke with just assured me that it was closed and nothing else could be done on the card but couldn't explain why I was able to put information in and retrieve it on a closed account.

After going back and forth with the operator, I requested to speak with a Supervisor/Manager on duty, it took a few minutes before someone, who was neither a Suopervisor or Manager to get on the line and she explained again that nothing could be done on the account because it was closed.  I then asked her then why did I still have access to even inquire on the account at all, if it's closed then the recording should tell me that I need to speak with an operator because no access is available for the numbers I used.

She continued to tell me the exact same thing, except explaining in different ways. Finally she came up with that I needed to wait 90 days in order for my information not to be available to check on. I requested a closed account letter, which came immediately in the mail. My account closed in April, I spoke with this person in August, that alone had been almost 4 months, now she's telling me that I had to wait another 90 days.  I made myself a note to check the number again Nov. 1st eventhough she said Oct 31st.  

Today is Nov 11, 2014, I called the number on the back of the card, 1-877-345-0151, I was able to not only put in all my information, card#, telephone#, last 4 of my social security#, everything, and get information, but go online and look it also. When the operator, RJ, came on the line, I immediately asked to speak with a Supervisor, she said that I had to give her all my information or they wouldn't get on the line, I never heard that before. I gave her enough information to find my account information, she put me on hold for a few minutes, came back and said that the Supervisor, Joe, was not available and he was on the phone.  

I asked Joe's last name, RJ said they weren't allowed to give it, I said I only asked because it was such a common name but I said fine. I placed this around 11:35-11:45am, the time now is 2:35pm and I still haven't received a return call from this Joe person. This company has some of the most HORRIBLE CUSTOMER SERVICE EVER, if you ask to speak with someone higher up, they give you such a hard time about it. 

All I want to know is WHY can I still access information over the phone, as well as online, on a closed account. No one seems to know the answer to this.