Legal Question in Credit and Debt Law in North Carolina

I would like to know, under nc law, what i can do for a credit card company that goes against the word of their employees. My wife and i are trying to settle some credit card debt that she had before we got married. To make a long story short we decide we will try to settle with chase. After a couple of phone calls they come up with a settlement sum. We agree to it and the person on the phone confirmed it twice to make sure it would go according to plan. This was in April of this year. Well last month we start getting collection calls from Chase saying that we still owe the other half of the settlement. We talked to a bunch of people and my wife has all the names of the people we have talked to. Finally we were told that we would have to write to the correspondence department. We wrote to them and they denied our settlement. The reason that they gave us was that the employee that tols us the settlement total never really had the authority to do that. So we started called people again and tried to have the phone calls that told us the settlement reviewed. It took us calling a couple of times to get the calls reviewed. Finally we spoke with someone who said she would push tell them that they needed to accept the settlement due to what the employee said. We still dont know if the calls where reviewed. The last person on that my wife spoke to got extremely rude and refused to answer any questions. We have filed a complaint with the OCC and the NC States Attorney. Now we are getting phone calls everyday from chase and even on sundays. I just want to know what legally i can do to make them stop. I know the amount we owe is not enough to get an attorney of or own, but i am a civil servant and do not make a lot of money.

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