Dear FTC Consumer Complaint Division, XXXX/XXXX/XXXX I have been working diligently to improve my credit score to buy a car for my son. I had an excessive amount of medical bills. I have been working hard on this for a year and managed to get approved for 4 credit cards, and pay all of them early. I had a 100 % perfect, on time payment record. 

I decided to buy something from XXXX XXXX to add one more credit account that would be paid on time, add on to my total available credit-therefore lowering my % usage of available credit. After making my purchase from XXXX I did not pay the first bill on the day it was due. The following day XXXX called me on the phone. The bill had been due XXXX/XXXX/XXXX. XXXX called me on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, leaving a message and I returned the call on XXXX XXXX. 

I was shocked that I had missed the payment and I wanted this account to help my credit. I placed this call at XXXX am on XXXX XXXX, XXXX. I told the man I want to set up auto payments to come from my bank account each month so my XXXX bill would never be late. The XXXX representative informed me that my monthly payment would be {$17.00}, so I set up the auto payments directly from my checking account. 

My XXXX Statement, which I did not have that day, stated that for being 2 days late XXXX had already assessed an extra {$17.00} late fee, and added an " interest charge '' of {$4.00}, all added on top of the {$17.00} minimum payment. The statement reads that the next minimum payment, due XXXX XXXX, XXXX, will be for {$20.00}. I still can not find out what the interest charge is on because I have spoken to XXXX 3 times and no one seems to have this information, nor can they explain their own statement. But, the important point is that the representative on the phone told me my next AND future payments would be {$17.00} per month, when on the computer screen in front of him he could see my next payment alone, per the XXXX statement, was {$20.00}. By XXXX XXXX, {$20.00} would be due and he had that in front of him when he set my payments up for {$17.00}. 

I still am trying to figure out XXXX 's highly creative accounting. But, the XXXX representative told me the WRONG information, the wrong minimum payment that would be due. He could see when the XXXX payment came out of my bank it would be {$5.00} short but he continued to set up the wrong payment amount without telling me. He also knew that when the XXXX payment was made, {$5.00} short, another late fee, and interest charge would be assessed, but he did it anyway. I am curious to know if this is company policy, done fraudulently to collect excessive late fees and interest charges. It is certainly a very strange business practice. 

When XXXX payment of {$17.00}, that XXXX told me to pay, was made it was short {$5.00}. They put this {$5.00} as late, and added more fees, more interest, etc. Each month they reported to the credit bureaus that I had NOT paid the bill and was now going on 60 days delinquent. Finally, they left me another voice message, which is how I found out that I owed these fees. XXXX XXXX, XXXX, I paid all past due fees by phone, paid one months bill in advance, and raised the amount coming out of my bank each month. 

So, it should be all straightened and fixed, although I believe XXXX 's using illegal business practices to intentionally add excessive fees & late charges So, I asked them to report the correct information to the credit bureaus because my Credit Score dropped from XXXX to XXXX over all this mess. I asked them to report that I have No past due amount and please remove the late report as it was XXXX who told me the wrong amount to pay and that is why the add on fees were late. 

This did not work. XXXX said they would update the information but it is still showing a past due amount and going on 60 days delinquent. I submitted several disputes with the credit reporting agencies to no avail. I called XXXX 3 times in the past week. Most of that time I took just trying to figure out their statement and how all this happened. Then when I finally realized it was all because XXXX told me the wrong amount to pay, I asked them please remove the derogatory information. They will not help me. They will not even update the information going on 2 months and it still reads : " account needs attention, 60 days delinquent. '' I have worked very hard to get my credit back after being very ill and overwhelmed with medical bills. I am an older woman with a terminal illness and a XXXXyear-old son. The only thing I can do to help my son if I should pass away early is help him survive financially. He is learning to drive on an old car that is not as safe as the one I plan to buy him should I get my credit back to the XXXX it was at before dealing with XXXX XXXX. 

It is just not right that a place like XXXX can use fraudulent billing, and deceptive practices like lying about what your minimum payment is, right to your face, setting it up to come out of your bank, all the while knowing it is less than the amount you owe and will incur late and interest fees! I believe this XXXX 's practice, to be deceptive, to charge excessive fees. I am not even complaining about paying the fees. I just want them to take the derogatory statements, late, delinquent notices off of my credit report. 

Please help me. I am at a loss and I do not have much time. Any assistance or advice you can give me is deeply appreciated. 

Thank you! 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX ps attached is the XXXX Statement, showing the extra fees, and showing the amount due on following bill was not the {$17.00} XXXX set up my auto payments for, but rather the minimum due was {$20.00}.