<prompt> Human: We I have been having problems with Navy Federal Credit Union.FirstSecondI get a call from them yesterday stating that we have two late payments on our credit card. I was surprised to hear that since they closed our account and the balance was only 500 something dollars. Anyway the person proceeded to tell me that the balance on the card is over 43,000. The credit limit when we had this card was a max of 25,000 with its 11 year history. The credit card was closed on 3617 and now there is a balance of over 43,000. How can this be? I am looking for some advice how this can happen. Looking for some advice.  <response>: Im sorry but why are you asking people here for advice before even knowing the details of the balance? What do your last 3 statements say? Have you printed an online transaction history to review all recent activity? Have you called the bank? What did they say? I scanned your last posts and everything you seem to be doing is just wrong. Youre being way too passive about all this and assuming other people will somehow fix it for you, like that Boa check fiasco. Even this post is kind of evidence of that. You really need to take control of this situation now, especially if theres the potential of fraud activity on your account. 