If they told you they were crediting the bill and then slammed your credit, that's just more fraud. Probably a felony, but IANAL. Of course, nearly nothing you

If they told you they were crediting the bill and then slammed your credit, that's just more fraud. Probably a felony, but IANAL. Of course, nearly nothing you can do about it except take them to small claims court? At least in my case it never went to collections or hit my credit report. This was 5 years ago, I guess it's never too late for them to try. Makes me wish I recorded the call when I finally was told they were crediting the bill.