Applied Bank Began sending email collection notices and threats for a card I have never received and activated. Delaware

I made the mistake of applying for the card without fully researching their fee structure. On October 5, their website status page indicated I was approved for the card.

However, I have never received or activated a Visa credit card due to an error they made with my mailing address. They now keep sending late notices and collection threats to my email address. I have contacted them several times with an updated address, but to date, no billing statement or card has arrived. Their representative on the phone indicated I agreed to these billing terms when I applied for the card.

The Fair Credit Billing Act requires them to send a billing statement showing the fees and interest rate. I invoked my FCBA rights by notifying them in writing to correct any billing and send an updated statement. This was five days ago. They have not responded. I plan on filing a FCBA complaint with the Consumer Financial Protection Bureau and any related regulators.