XXXX reported that I was past due on our credit card payment. 
They are wrong and could not provide proof that I was ever even sent a bill, they 're only response was that they sent me a bill and that was enough. I believe this is a scam as XXXX XXXX ( the company that issues the cards for XXXX ) benefits by charging higher interest rate to consumers after inventing the late charge, or not providing proper notice of a due payment. 
In fact our account has a positive amount currently in other words they owe us money. 
I will be closing the account after submitting this complaint.