Wachovia Corporation, Wachovia Bank, N.A. Charging fees for "personal finance software" when asked to cancel a year ago. Internet

For 12 months, I have been charged a $5.95 fee imposed by my bank for "personal finance software". In February 2009, I called to ask about the first fee. It was explained that the fee was imposed because I used Quicken to access my online banking records. I was told that my 3-month trial was expired and the fees were automatically imposed now. I instructed to CANCEL the service. I told them that I did not like my personal finance software and am not using it. I thought that was the end of it. I was not given a confirmation number. It was not until July 2009 that I noticed the fees again. I reviewed my March-June statements online and noticed that I was still and had been still charged. I called again and the rep told explained the fee again. I informed him that I understood why the fee exists, but that it should have been canceled in February.

At this point, I did not even think of asking for a refund, I just assumed it would be done with. Again, in September 2009 I noticed the fees. I called and spoke to a lady why told me that I "needed to prove I had canceled with a letter or confirmation number. I was told there was nothing that could be done. Again, I asked for the fees to stop. In December 2009 I stopped using the account and recently in January 2010 I closed the account. During the call to close the account, the rep asked why I was leaving the bank. I explained it to him and asked if something could be done and he replied that he was sorry that I'm not satisfied with Wachovia. Today, I decided not to let it go and called Wachovia. The rep tells me that on the back of the statement, there is a 90day discrepancy dispute procedure. She tells me she could refund the last 3 months fees, but cant because the account is closed. I was never told that I had the option to dispute the charges before today. Having asked multiple times to cancel, I asked Wachovia to refund the past 12 months' fees. I was told it was not an option. Wachovia's records indicate that I "enrolled" on 10/15/08. My Quicken software shows that the last access to Wachovia using the program, was 10/18/08 Why would I pay for something I can prove I have not used in over a year?