About 5-6 years ago, I opened a charge at XXXX XXXX since I received a XXXX % discount on a snow blower I purchased. I also received 6 months of 0 % financing. I signed up for e billing and paid the debt off according to terms. 
XX/XX/XXXX and XX/XX/XXXX, I used the XXXX credit card for the first time since that purchase to buy {$180.00} worth of flowers, pots and assorted garden items. Over the coming months I went about my business and forgot about the purchases. In XXXX, 2015 I received a call from a XXXX representative that my account was past due and a payment had n't been made since my last purchase ( in XXXX ) .. I immediately wrote and mailed a check for {$170.00} ( I had returned a bad plant for a {$2.00} credit ). 
The check which was accompanied by a letter with my account number, incorrectly was credited to my XXXX XXXX account also managed by XXXX. After calling them, the check was reapplied to my XXXX account. 
During the period XX/XX/XXXX thru XX/XX/XXXX I never received either a paper bill or e bill. I communicated this to both XXXX XXXX and XXXX reps. XXXX sent me copies of the missing XXXX bills which were in their system, but never sent to me in any form during the period they were due. 
I pride myself on promptly paying my bills on time. I am XXXX years old and have a credit rating of XXXX. This is not a " dog ate my bills '' story. I assure you I never received bills for four months in any form. My balance is now {$240.00}, ALL finance and past due charges which I refuse to pay since I paid the {$170.00} for the merchandise I purchased once XXXX contacted me. Thank you for your consideration. 
