I have been working on paying this  XXXX    XXXX  MasterCard  for over 4 years. Since the card was on on auto pay, I assumed my balance was almost gone. To my surprise when I looked, my balance went up not down although I had not used the card in years and had been making consistent payments. I immediately called  XXXX  to see why & they told me due to the high interest rate and annual fees which they could not get into details about. They said they could not lower interest rate or any late fees ( although I was on auto pay ) even though I had great credit at that time ( score of over  XXXX   ).  They killed my credit due to this issue my current score is sadly  XXXX . Furthermore, I called after going through hardship of being laid off then loosing my fianc shortly afterto a car accident. I explained this to  XXXX  & they said if I did not have the payment they could not help me. I asked what my options where to resolve and the reps response was come up with more money & that there was nothing he could do. I tried to work with them several times & spent hours on the phone trying to meet a middle ground. For months and I paid extra hoping it would catch up to current. It did not. Recently, in   XX/XX/XXXX , I mo ved across country to CA to take a new higher paying job after graduating with my  XXXX  in  XX/XX/XXXX . Although I notified them  2x b efore my move they did not update my previous address & a ton of late fees every month. This added even more to the amount due. I then as a last resort tried to work with a debt consolidation agency to resolve. The debt consolidation agency also expressed that they too where shocked at how little leeway & flexibility they offered. They where the only creditor that would not work with the consolidation company (  XXXX  ) they reduced the interest rate from in the high twenties to 5 %. What was really upsetting is they took an extra {$1000.00} from me promising it would make my account current. And an xtra {$100.00} this past month on top of the normal payment they are getting from the consolidation agency, and still have not brought my account current. When I actually checked my credit report they did no such thing. All late payments are still showing and my account still shows as past due. I have done everything in my power to resolve this with little to no help from them. When I called they said the othe r Rep m ust have lied to me and there was nothing I could do about it. They where not willing to bring my account current even with additional hundreds of dollars paid again over the minimum amount due. Please help as I have already lost so much sleep, time & money over this looming credit card. I am in   XXXX   XXXX   & have never dealt with such a inflexible & greedy company in my life. Please help me resolve this complaint as this is killing my credit I have been working so hard to rebuild. This is fraudulent and unauthorized use of my money. Please help make this right or at least hold them accountable. It 's simply not right. I am a strong person and if they took advantage of me I am sure they are taking advantage of thousands of others that may be unable to protect themselves and/or unable to report them to the proper authorities.     Thank you in advance for your time, help & support.     Best regards.    XXXX   XXXX   XXXX