Never received email statements from XXXX. Asked repeatedly to be switched back to paper billing. Never happened. Received letter dated XXXX/XXXX/16 to contact XXXX within 30 days of the letter. Received letter dated XXXX/XXXX/16 from collection agency. Called XXXX - they stated account was closed and transferred to collection agency. When asked why I was n't given the 30 days as outlined in the letter, I was told it must just be a cycle thing. 
