Product: Credit reporting or other personal consumer reports

( This is what the company sent me in an email ) Hi XXXX, This is XXXX from XXXX Customer Service. 

After a thorough review of your account, we regret to inform you that it has been closed due to a series of late payments. Unfortunately, based on this history, we are unable to open a new account for you at this time. 

As your account is closed, you won't be able to take any action through the application. However, if you wish to settle the outstanding balance, you can send us a money order or cashier 's check for the amount of {$200.00}. It's important to note that making a payment toward the balance is optional and not required. While paying off the balance won't change the account status if it was related to a charge-off ( it will still reflect " charged off '' ), the outstanding balance will be updated. Please be aware that this account status makes you ineligible to open any new accounts with XXXX in the future. 

Please note, payments received by mail are posted once a month and can take XXXX days after receipt to reflect in your reporting. 

And this is what I replied Hi the problem is so upon looking at my credit report there is XXXX charge for {$100.00} and XXXX charge for {$200.00} the {$100.00} dollar charge is because a family member used the card to overdraft the account but I was going to pay it anyway due to the fact that it is affecting my credit but the {$200.00} charge is for a XXXX XXXX  account and I received no money from you guys at alll I actually paid money to you guys monthly that I never received back I did see where some kind of read materials were given to me for the {$200.00} but I never used them once I didnt actual realize thats what was going on because the app is very confusing and it is actually. Rip off also I still do not have those reading materials so I definitely shouldnt be charged for that so if yall wont take that off the Ill have to report it to the consumer financial protection bureau. And if you could go ahead and send me the token number for the {$100.00} charge Ill send that even though I didnt actually make those charges I want to make you aware that I never mentioned the {$200.00} charge I only called about the {$100.00} charge and I definitely do not want my account back because of how they have messed up my credit pretty badly now I have XXXX items on my credit and its these XXXX and any item Ive ever paid off the companies have always made an agreement to delete it off my report thats logical and he says it will basically show up the same as iff I never paid it and my mortgage banker told me that even if its paid off if it isnt deleted they still look at it very bad and it will still affect your credit and take a roll in the decision they make on if they are gon na give me a home loan or not so this is extremely wrong I paid into them I paid XXXX dollars a month for about 3 months and then it went up to {$10.00} and then {$20.00} and I paid them for at least a year or more and received absolutely nothing at all except a negative remark on my credit report witch has actually made my credit go down XXXX point just XXXX days ago and it will continue to and I am trying to buy a house I have a XXXX family member I have to take care of and this is literally causing term-oil in my life and I am only XXXX and Ive never been able to use my credit for anything good because before this there were a bunch of medical bills on this and the credit bureaus took all of them off and then I came across XXXX XXXXXXXX thinking it would be a huge help and it was a night mare its ruining my life the name of this horrible company is XXXX and yes I have disputed both charges as fraud with the credit bureau and they denied them