  After over a half hour on the phone calling different numbers I finally figured out what the hell was going on. They still had my Pacifica address. And I, being the genius I am, never changed my address. But Old Navy is still stupid. The number they gave me to call back was some car dealership. That's why it took me so long to find someone to fix it...oh Peggy!! One hint, whenever you are on one of those automated directory things and can't talk to a real person, click the "open new account" option. Those are the calls that get picked up first. That's what I did, then proceided to yell at the poor guy cause the collection people are being mean. So, he gave me a number to talk to them directly. Peggy was nice, she reversed the fees. So, I guess this is an ok start to the day. 
