I paid my my bill every month, however I was continual charged late fee and my interest rate increased to an unreasonable percentage.  I was able to get the late fees removed, but not able to get the interest rate changed back.  The only way I would be able to change the interest rate was to sign up for their debt program.

Upon explaining I did not require the debt program i was told they would not able to help me.  In fact I believe my account was paid ahead as I paid more than the min payment every month.  On a specific month the billing cycle ended on the 21 day of the month, and the payment...