Hudson Heritage Federal Credit Union

Tried to shut down my account after graduating from local SUNY in 2014 and was told I can't actually shut down the account. It would have been ~$25 to wire out the rest of my balance, so I choose to just use my debit card for purchases until the account was close to 0. At that point, I stopped using the account. Now, over two years later I discover there were 3 fraudulent charges made in January 2015 which brought the account below 0, and was subsequently charged fees for 6 months to the amount of $450 without being contacted. After discovering this, I called the bank and they said there is nothing they can do about it because the charges happened so long ago. I was never called, emailed or mailed a notice despite having my contact information for all three.