I used my Macy 's card to make purchases over the past few months. When I went to pay my bills a couple months later, I noticed that I never made a payment to Macy 's. When I called Macy 's, I was immediately connected with the collection department, who notified me that I never paid bills, had accrued late fees and was reported to the credit bureaus as delinquent. Furious, I demanded an explanation as to why I was not contacted before they took the latter step. They claimed they called and sent me online statements. They had my phone number correct, and could not verify my email address. However, they claimed I had authorized online statements, which is the reason they gave for me not receiving a bill. But, you ca n't verify an email address for that? Sounds fishy ... Nonetheless, I do n't recall making the paperless billing authorization ; it was most likely in some fine print that I missed, if what they claimed is true. Still, they never reached out by phone, and they were able to verify they had the correct telephone number. They also never reached out by mail ; the address is correct since they sent me a new credit card to that address. I requested they remove the late fees from the account and remove my delinquent status from the credit bureaus. They removed the late fee, but said they could not remove the delinquent status. I paid the account in full and closed the account. I pay my bills on time, when I get the bills! Consumers should not be reported to a credit bureau as delinquent until an attempt is made BY MAIL and BY PHONE to contact them. Neither option was used. Is that even legal? It should be, especially in the world of 'paperless billing! ' 
