Product: Credit card or prepaid card

I applied for this card the {$250.00} sign up bonus and because it had no annual fee. When I first received the card, I tried signing up to monitor it electronically, it would not allow me at first without having a chase bank account to go along with it. So, I through it in a file and never used it since i could not monitor it. I figured it would just extend my usable credit. One day while checking my credit report, I noticed a negative report for a missed payment I panicked like anyone would. I found who the creditor was and made a call within an hour. I was panicked I don't think I have ever had a late payment like this before. I called chase bank and told the lady asked what this charge was and told her it did not make any sense I don't have XXXX XXXX nor would I. I have no use as I am a long-haul trucker. And can not easily pick up and order from XXXX. She was extremely rude to me and i felt intimidated by her and the situation, she asked several times if i was going to pay it or not. So, I paid it. After getting off the phone with her and knowing what the charge was, I then called XXXX, and XXXX agreed and looked into it that I never wanted it. I heard a lady talking in the background who said that I didn't click on anything or purchase to at XXXX point and she couldn't understand it either. XXXX agreed with me and refunded the money to the card. This was the first purchase ever made with this card, and I didn't even make it. When I talked to chase later, they said it was the annual fee for the card and once they saw it refunded, they would remove it from my credit report. I then got the run around over the course of several phone calls after the refund happened. I became so frustrated i gave up for a while. I then decided to try again after noticing it really hadn't been fixed, I mean it dropped by like XXXX or XXXX points originally it caused me to completely panic and interfered with my plans to start a business. When I called a few days ago i talked to three people the first 2 where incredibly nice. The 2nd lady said they would remove it and they where sending me to the department to have it done. Then a very rude guy answered who was about to try and tell me again that it was part of an annual fee, when I informed him i had read the fine print and it says nothing about an annual fee ; and they followed proper Fair Credit Reporting and would not remove it because it was over 30 days late. I informed him the first lady I ever spoke to should have sent me to the fraud department because I told her I didn't know what the charge was. He said he didn't care it was not be removed. I then said what am I supposed to do hire an attorney to get it removed and then he said he was ending the call while sounding extremely angry and aggressive. Then hung up the phone. I never received any notifications via snail mail or email for this charge either. The first lady completed my set up on the phone during the first phone call i heard he tell someone it looked like it got stuck and never finished being set up. When I first signed up for the card I told the lady i didnt want XXXX XXXX over the phone she also told me that I did not have to have XXXX XXXX to have the card it was not a requirement for the card.