Product: Credit card

This is a case of a collector refusing to accept payment from the debtor. My credit rating was destroyed because of an error committed by the merchant and now I have been given the run-around by the credit collectors which REFUSED to accept my offer of payment. Sometime in XXXX XXXX, Discount Tires offered a {$150.00} rebate if I buy XXXX tires and pay ( {$370.00} ) thru a credit card ( XXXX XXXX ) which I had to then and there apply for. I filled up the forms the credit card and submitted it to XXXX XXXX who finalized the online application process with XXXX XXXX. Later I got the rebate. I was told to wait for the credit card and billing so I can pay but I NEVER RECEIVED THE CREDIT CARD or ANY BILLING and so I failed to pay. In XXXX/XXXX/XXXX I was informed by our loan officer that when he checked our credit rating he discovered I had an unpaid account from a purchase with XXXX XXXX. On XXXX/XXXX/XXXX I went to XXXX XXXX to inquire who connected me to XXXX. I was informed by XXXX of the unpaid purchase and when I told them I did not receive the credit card or any billing, I was informed that the credit card and the billings returned to XXXX because my address can not be located. It turned out that XXXX XXXX did not include my apartment number in my address and XXXX did not exert any effort to locate my apartment number. I asked XXXX why they did not attempt to call me when my phone number was with Discount Tires but was told they can not call. When I said I wanted to pay, XXXX told me they sold my account to Midland Credit on XXXX/XXXX/XXXX and no longer has anything to do with it. On the same day, I called up Midland Credit ( XXXX by XXXX and later XXXX from website ) to arrange payment and a call center based in XXXX responded. I was told that I can not pay because they could not locate my account and to wait for the uploading of my account to their system which can take within 15 to 30 days. I was asked to call again XX/XX/XXXX. I called XX/XX/XXXX then XX/XX/XXXX but was refused because my account was not yet uploaded in their system. IN THE MEANTIME, I CONTINUE TO SUFFER A DETERIORATING CREDIT RATING/HSTORY BECAUSE OF THE CONTINUING REFUSAL OF SYNCHRONY AND MIDLAND CREDIT TO ACCEPT MY PAYMENT. Finally on XXXX/XXXX/XXXX, I was informed by the XXXX call center ( WILL THIS NOT VIOLATE CONFIDENTIALITY AND CAUSE IDENTITY THEFT BECAUSE OUTSOURCED TO A 3RD PARTY LOCATED OUTSIDE THE US ) that my account has been uploaded in their system on XXXX/XXXX/XXXX but that I was referred to the XXXX branch of Midland ( XXXX ) to process my payment. But when I called the XXXX branch I was informed that they can not take my payment because they need to arrange my payment because I am from a different state ( which I can not understand why ) and I was asked to call back on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX but I was informed that they still need to arrange my payment and on XXXX/XXXX/XXXX but nobody answered my call. On XXXX/XXXX/XXXX, XXXX XXXX told me that my account was transferred to XXXX XXXX which I immediately called XXXX XXXX ) and was told to call again on XXXX XXXX because they still need to upload my account. FOR THE MEANTIME, MY CREDIT RATING /HISTORY SUFFERS BECAUSE IT WOULD APPEAR THAT DESPITE NOTICE I AM NOT DOING ANYTHING TO PASS A MISTAKE CAUSED BY THE MERCHANT. The continuing delay and refusal of XXXX, Midland Credit and now XXXX XXXX is unjustified ( unlawfully charge interest and earn more? ) especially considering the offer to pay and damage caused to me, knowing fully well that in the XXXX credit rating is very important. As mentioned, I am the one chasing the collectors who are running away seemingly afraid to accept my payment. Why? I should be issued a letter of deletion upon payment and my credit cleared with the credit bureaus.