This complaint is regarding XXXX XXXX credit card. I never received the actual credit card so I will list information that can be used to find my account. Cardholder name : XXXX XXXX Cardholder addresses : - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Last 4 digits of SSN : XXXX Loan type : Flexible Spending Credit Card Lender : XXXX XXXX Cardholder phone number : XXXX To Whom It May Concern, Thank you for taking time to review and investigate my dispute and complaint about this delinquent credit record. Background This is a credit card that comes with a XXXX XXXX XXXX membership. Originally, I used to have the XXXX XXXX credit card with this membership. Sometime in XXXX XXXX terminated their agreement with XXXX XXXX ( XXXX ) and switched their customers to XXXX XXXX cards ( XXXX ). I was one of customers whom they switched to use XXXX XXXX cards. Problem When I was signing up for the XXXX XXXX credit card I was promised both verbally and in writing that I am signing up for the XXXX credit card with XXXX policies ( interest rate, grace period etc. ) and consumer protections ( charge disputes etc ). The main reason I signed up for the XXXX card is to have a greater consumer protection, better customer service and flexible repayment terms. After XXXX and XXXX partnership ended, they ( XXXX, XXXX and or XXXX ) signed me up for the XXXX card without my permission to accept their terms and regulations. I understand the debt can change hands and switching debt from one bank to another it is a normal practice. However, in this case the credit card had {$0.00} balance. I was signed up for a significantly different account with different APR, repayment terms, grace period, rewards, card brand, charge dispute protections, late fee amounts etc. I never agreed to any of the XXXX credit card terms and conditions neither verbally no in written. XXXX and XXXX signed me up for this account without my consent. It is important to note it was not a debt transfer from one servicer to another, it is a different account. Most importantly the XXXX card never arrived to me in the mail and I have never received any credit card bills. However, sometime around XXXX XX/XX/XXXX XXXX billed the annual membership fee to this card. Since I was not aware about having this particular card, the balance was never paid and late fees and interest were piling up. What I have done resolve the situation with the creditor Sometime in XX/XX/XXXX I received a call from a XXXX representative inquiring about the credit card I have with them. It was the first time I learned that I have this credit card. The representative called regarding the missed payments on this card. After learning about this credit card account, I immediately asked to cancel the credit card and refund the balance XXXX charged along with the late fees and interest. I was told by the representative the card has been cancelled and I do not owe any balance. On Saturday, XXXX XXXX I learned about the delinquent account on my credit report associated with this XXXX credit card. I called the customer service and asked them again to cancel the credit card and remove all charges. Apparently, they did not cancel it first time I spoke with them. I was assured the card was cancelled and I do not owe XXXX any outstanding balances. However, they could not remove the credit record and advised to contact the credit bureaus. Consequences to the Credit Report XXXX reported this account as delinquent because the balance was not paid according to their due dates. As a result, the credit score suffered a significant drop due to this situation. It is the only event of this kind on my credit report in the last several years. Currently I am unable to get favorable interest rates on loans and/or disqualified for certain credit products and services completely. Phone call statements and legal recordings of some of my conversations with XXXX are available upon request. Feel free to contact me for any additional information, if needed. Thank you Sincerely, XXXX XXXX XXXX