Product: Credit reporting or other personal consumer reports

In XXXX I opened a credit card with XXXX XXXX. The Credit terms were 6 months of no interest. Waited for them to send a bill, had no way of contacting them other than going to the store ; a XXXX XXXX but longer by mass transportation. The bank associated with the card, XXXX XXXX, sent me a bill finally in XXXX of XXXX. They claimed I was 6 months past due on the account, that the initial charge of {$310.00} was now {$390.00}. Probably should have paid the money but tired of Bankers robbing the rest of us XXXX. Told them I was not late in payment as I had not received a bill, sent them {$310.00} and the below letter. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern : This card was offered through mail. It was for six months at XXXX percent interest. There was no mention of me having to open another account online to pay my bill. Currently, I have over sixty accounts, each with a user ID AND separate passwords for each. Another online user ID and password I do not need. As you have not provided any of the services that we agreed to, please close the account. My credit history, Experian informs me, has been damaged. That is something I will have to contend with, time consuming and frustrating as it may be. Your company has been very disappointing as of late ; charging me {$11.00} for insurance on an item, insurance that I did not ask for. Please get yourselves together, I have relied on you many times in the past for very good prices and service. It would be unfortunate to need suspend further business. Please find enclosed remittance in full of {$310.00} and resolve this unfortunate matter. 

Didnt hear anything from them again until XX/XX/XXXX, when they sent me a bill for {$160.00} for fines and late fees. Called the bank on XXXX and spoke with XXXX at XXXX and XXXX at XXXX. They both agreed that I was not late as they had not sent a bill. They initially said I should have gone online to pay the bill at the XXXX XXXX  website, explained I don not have an online presence with XXXX XXXX as at the time I had over XXXX accounts all with user names and passwords, on top of the store being a XXXX XXXX and it was on the Merchant to send a bill before claiming the bill was past due. They agreed, told me the balance was XXXX. Got their phone number and location : XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Which was fortuitous as the bank set their system up that XXXX  could not XXXX out the account ; every month for almost XXXX XXXX  months I was on the phone with XXXX and she was supposedly trying to get their system to do what she wanted and every month I would get another bill with late fees and fines. The bills eventually stopped coming but that wasnt the end. For years now, 3 dispute reports later at Experian, still having trouble clearing my credit report and getting the bank to remove the adverse effects from my credit report. Which recently I was denied apartments leases because of low credit score. The bank has sent me letters saying the balance is XXXX but that is not the problem. The problem is they are playing games, making it difficult on purpose, will not admit that I do not owe a bill until I receive a bill and my adverse credit history should be removed. This can not be the first time this bank has defrauded customers, I can not be the only person this has happened to.