About three months ago, I applied for a XXXX XXXX that was recommended by XXXX XXXX. Upon completion of the application, I was approved online but then I realized that they would deduct half of the amount on the XXXX fees. I called and declined to accept the card and was told that everything would be cancelled. For the last three months starting the last of XXXX, I have been receiving letters requesting payment for this cancelled account. I have called their customer service and they verified that the account was never opened nor activated. I just received another letter requesting payment which I am not going to pay. They have even threatened to report this to the credit bureau as a deliquent account. The individuals name on the letter is XXXX XXXX ( collections Department ). If I receive XXXX more letter from them I am considering hiring an attorney and also filing a complaint with XXXX my state. I am tired of the harassment and I am tired of them trying to get money from me that I do n't owe as well as threatening to report this to my credit bureau as a deliquent account. 
