honorifics

what is the polite form of address for a woman or lady?
miss, ms, mrs, or madam?

something happened within a span of 9 hours.
first...
a letter from the école, To: Madam

second...
a letter from the banque, To: Ms

third...
a letter from the université, To: Mrs

finally...
a card from the c|ub, To: Miss

quite confusing...

Madam Rosse, Ms Rosse, Mrs Rosse or Miss Rosse.
Muahahahahaha...

After surfing and looking for the answers, i have reached a conclusion.
I am entitled to all four.