I received robo calls on my home phone prior to XXXX XXXX, 2015 regarding a Home Depot bill. These calls came once a day and I do not answer long distance phone number as they are usually scammers. I called Home Depot on XXXX XXXX, 2015 and spoke with XXXX. As I calmly tried to pursue this issue she immediately pointed out my blame. She mentioned that I had made no " paperless payment '' in XX/XX/XXXX or XX/XX/XXXX making my small bill of {$72.00} with late fees equal {$130.00}. I tried to explain first, that my husband & I thought in XX/XX/XXXX that he would die of XXXX and second, that I have NEVER used " paperless '' for any bill in 40 years with ANY credit card company and that I have an excellent credit score of XXXX-XXXX. I went on tell her that the phone calls were an invasion and I would pay the bill if the XXXX late fees were waived and the Home Depot bill was mailed to me. I save and know the logo of each bill and was positive that up until last year Home Depot has sent me a paper record ( as I keep them all going back 15 years in my attic ). She insisted that I had signed up for 'paperless '. I insisted I had not. I ask that these XXXX late fees be waived back to the {$74.00} and that because I NEVER received a bill I was aware of, that I should be able to pay the minimum of {$25.00} per month on that {$74.00} bill. Instead she placed this on my credit report which I just noticed taking my report from 'excellent ' to 'good ' as my daughter in now looking for an apartment in XXXX and needs my credit rating to be excellent so that we can help my husband with excessive hospital and XXXX bills. I have only one large credit card bill at XXXX for {$600.00} and no other loans ( home and cars paid in cash ). I also mentioned that continual phone calls over {$74.00} are seen as invasive and that there are new laws where I can receive {$1500.00} for each additional call past my original decline phone call on XXXX XXXX, 2015 As stated above, this debt is my first with Home Depot {$74.00} with a balance of $ XXXX {$8000.00} usable credit at the time. I feel I should not be harassed and that I most certainly NEVER, EVER have gone 'paperless ' in 40 years with Home Depot or any other credit card. Please review this fact and re-establish my correct rating of 'excellent '. I told XXXX at Home Depot XXXX am willing to pay {$25.00} over 3 months as was the initial payment without their 'paperless ' FRAUD. Once again, my husband has just survived through XXXX and instead of sympathy or understanding I receive a negative credit report. Please understand our dire circumstances and why this fraud causes us extreme difficulty in paying even {$74.00} when it should have been {$25.00} for 3 months. XXXX medicines are many and each is extremely expensive causing a family with no debt at all to worry about our retirement as we are XXXX years old and wiped out. We can get by with the minimal bills on the small purchases I make and have not ever been in debt but can not do any more than this. I find this extremely cruel given we felt my husband would die and the bill was so meager. NEVER, NEVER SIGNED FOR PAPERLESS! I will make a sworn statement to that effect here and elsewhere ( I was a XXXX in XXXX and my daughter works for our XXXX XXXX. My daughter and I have also met with XXXX XXXX, XXXX XXXX XXXX in XXXX who I will bring this issue to next.. Please resolve this at {$25.00} per month for 3 months and I will never use Home Depot card again but DO NOT WANT IT TO BE A NEGATIVE INFLUENCE ON MY CREDIT REPORT BECAUSE OF HOME DEPOT 'S 'PAPERLESS ' FRAUD! PLEASE, PLEASE HELP. I will swear under oath to all of the above and you can check my husband 's hospital records as well as all of my current debts ( stated above ) for truthfulness.