I was a student at University of XXXX and received a loan in XXXX when I completed my education and it came time to pay I deferred my loans because I was having difficulty but citibank would not defer so the account ended up being charged off. I tried to call and make arrangments because on my credit report they say I am charged off but they are still charging a past due fee of about XXXX every month on my account. The representative on the phone says the company does not accept payments anymore but the account is still theres and they can charge because I havent made any payments to them, and they havent for a long time they contract out and gave me the number to a collection agency. Now I went on the website and you can make payments but it says I dont have any active or full disbursed loans, so how am I still getting charged for an inactive account that they will not accept any payment for?