NC Soft doesnt make games, they publish them. Cryptic Studios makes City of Heroes/City of Villains.
I dont know how they charged for a deactivated account (didnt even know you played it in the first place!) but they do have a Billing number if you would've checked the Support Knowledge Base. Its here
http://support.cityofheroes.com/cgi-...i=&p_topview=1
It tells of various ways to contact, even the number to call them is at the bottom. You shouldve called NC Soft or emailed their support team before calling Visa since it seems to have made the matters worse.