<prompt> Human: I had a credit account with Macys to build my credit. In the chaos of graduating from college I let the account fall behind for a week, after which I called to pay the account in full were my exact words, then destroyed the card so it wouldnt happen again. About 4 months later I see a collections account on my credit report of 2.00. Macys apparently is in the habit of in the words of their own customer service reps not including interest when a customer asks to pay their account in full, but hold it till the next months statement. Under the assumption that the account was paid off, I didnt read my estatement. Why would I? So now I have a collections account on my otherwise drastically improving credit and they have told me essentially to figure it out on my own. Is it legal to mislead consumers like that? Somehow I feel Ive been defrauded and my credit hurt unfairly. Any thoughts?  <response>: I didnt read my estatement. Why would I?Um, hate to point out the obvious - but you look at statements to avoid this type of thing. 