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I ran into the same situation with Chase a few years ago and ended up just paying to get them out of my hair. I decided henceforth to wire funds or otherwise pay electronically and close the charge account same day, and have done so twice.
Not to say that is the only solution. It likely depends on the specific cardholder agreement and the dates of money transfers. I look forward to reading about what you learn.
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There are a vast number of people who are uninformed and heavily propagandized, but fundamentally decent. The propaganda that inundates them is effective when unchallenged, but much of it goes only skin deep. If they can be brought to raise questions and apply their decent instincts and basic intelligence, many people quickly escape the confines of the doctrinal system and are willing to do something to help others who are really suffering and oppressed." -Manufacturing Consent: Noam Chomsky and the Media, p. 195
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