I just encountered the same problem with Kohls stating they sent me a billing statment. They ruined my credit for something I bought for $31.48 and now my credit reflects a delinquency and my score has been lowered almost 70 points! I spent 1 hour and 7 minutes on the phone today and all they said was "our system shows the statement was sent". They're lying and I am furious! I've only used my four times since I open the account. Has anyone tried to start a class action lawsuit againts these clowns? Kohls is not in compliance with the Fair Credit reporting Act.
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