<prompt> Human: Long story short, I cancelled my home security company service on 15. I was out of contract so I didnt expect any issues. On 116 I noticed they charged me. I called to inquire and they told me it takes 30 days for the cancellation to complete and that I should notice it was prorated. Of course I thought this was silly since I cancelled on the 5th they should stop service once I cancel...especially since its prepaid. Meaning I paid for January service in December. They basically told me there was nothing they could do for me and refused to reverse the charge.I called my bank and told them the story, they stopped the payment and put a merchant I.D. block on the company so they could no longer charge my account.Now the security company is trying to collect their 45 plus late fees.Has anyone dealt with this before? Can this harm my credit score? Technically, since I cancelled the service and refused to pay they should simply not provide service.  <response>: Id take a look at the original terms of the contract. If it says it takes 30 days to cancel, theyre gonna send it to collections, and yes, it will harm your credit score.Its the fine print that gets you 99 of the time. And theres really nothing you can do about it if you clickedsigned the I Agree without reading it. Cheap lesson to learn. 