I was asked by the cashier at XXXX if I wanted to apply for a card and get XXXX % off of my purchase, said no I have a card, he said that does not matter so I said go ahead then. 3 or 4 months later I applied for a loan and was declined because I had not paid XXXX in 3 months. 
I contacted XXXX they supposedly sent a bill and it was returned. They did this 3 times? They have my phone number, should't you make a phone call to see what was wrong? 
After my last conversation with XXXX I was told they would file papers stating I was disputing this claim. I have not heard back from them yet nor have I received the credit card or a statement since I started this futile search 3 weeks ago. I had credit scores in the XXXX or so range now I am at XXXX and can not get a loan. I pay out several thousand a month in bills when statements arrive. Why would I not pay a {$75.00} bill to XXXX? 
I could be out of business because of this and do not know where to turn next. 
Thank You 
