In XXXX XXXX I bought a jacket from XXXX XXXX ( with a card issued by XXXX ) for my dad and boots for my sister. Each checkout was separate. The boots were {$190.00}. I wrote that number down. I do this because without a paper bill, when I buy things from XXXX my next step is to go online ( with another bank ) and pay my bill. The XXXX purchase came to {$190.00}. I wrote that number down too, added the XXXX numbers up, and paid my bill for {$380.00} within minutes of placing my orders. My dad and sister liked their XXXX gifts, and end of story so I thought. Every year I check my credit report. When I read my most recent report I noticed that XXXX reported me delinquent " XXXX days or more '' in XXXX XXXX. I had no idea what this was for. I logged into my XXXX account but statements are n't available online. I called to inquire and they said they could n't help. I wrote a letter requesting the relevant statements and disputed being delinquent. In XXXX XXXX I received a response. According to the statements, it appears the following happened : I made XXXX purchases on XXXX/XXXX/XXXX and made a payment the same day ( described above ). However, there was a discrepancy. I purchased {$390.00} worth of goods and paid {$380.00}. The difference was {$10.00}. In XXXX XXXX I did n't know about this difference. I was under the impression that I had paid the full amount. XXXX then rolled that {$10.00} from XXXX XXXX to the next billing cycle. When they did n't receive a payment in XXXX XXXX they added a {$11.00} late fee. Wow. That 's 110 % of the balance due, or 1300 % per annum ( an APR that would make even a payday lender blush ). Again, unware that I had a balance, this amount ( {$22.00} ) accrued to the next billing cycle. Again, when no payment was received in XXXX XXXX, more late fees were added ( {$16.00}, a less usurious 42 % this time ). My balance when then {$39.00}. It was in early XXXX XXXX that learned there was a balance on my account ( I had randomly checked online, I do n't remember why ). Seeing a balance I called XXXX/XXXX, and spoke to a customer service representative. The person told me I had a balance and a late fee of {$16.00}. While on the phone I sent in a payment for {$22.00} and the rep stated that she would reverse the {$16.00} late fee. These credits are reflected on my XXXX XXXX statement. However, unknown to me, and at the same time, XXXX had reported to the credit reporting agencies that I was a deadbeat that did n't pay their bills - " & gt ; Maximum Delinquency of XXXX days in XXXX for {$15.00} & lt ; ''. But this was n't true. A minimum payment of {$15.00} was due on XXXX/XXXX/XXXX, I missed that date but paid the full amount due ( {$22.00} ) on XXXX/XXXX/XXXX, a mere XXXX DAYS later AND NOT XXXX DAYS as reported by XXXX to the credit reporting agencies. This is the part where I feel like XXXX is a faceless, uncaring, monolithic, vulture. The {$10.00} that I originally underpaid ... looking back at the bill, was equal to the amount of sales tax due on the purchase. Odd that I paid the full amount, including the sales tax ( of {$8.00} ) for XXXX purchase, but somehow missed the sales tax for the other. What I suspect happened was an error occurred on XXXX backend and tax was n't included at checkout ; I 'll never know for sure because I did n't take a screen shot of the confirmation page. Comenity never called, texted, or emailed to alert me to the delinquent nature of my account ( though they had my phone number and email address ). As someone that used to work for a bank ( and a banking regulator ) I know that this is of course all by design. It is hard to make money on exorbitant fees ( at 1300 % APR ) when you educate consumers on what is going on. Thank god for the CFPB, and the fact that they make these stories pubic on their website so other consumers can see how XXXX treats people.