Close Your Account When Your Finished!!

I financed my car through PW and everything was fine. Once my car was paid off, they would send me statements about how much was in my acct, $39 and some change. I called them to ask where it came from. Apparently, they put $25 in your account to keep it open throughout your loan, the difference was interest. They take back the $25 when you close. I thought I would leave it open to accrue interest insted of getting a check for $14. Now, almost a year later, they take out $10/mo for a 'non active' fee, then another $4 for a 'below $25' fee! When I tried to call and have them close it, they told me to fax the request, so i did. A month later (yesterday), another statement with the above deducted. I called again today, ready to raise heck, but the service lady was nice and said 'no problem, we will close your acct'. Lets see what next month brings...