Americans for Fairness in Lending

In august 09 received letter from Visa acct. held by InfiBank informing me because of my debt to credit ratio..(not to mention I haven't had late payment in 20 years) they would be raising interest rate to 29.99%.  Made mistake of calling them for explanation.... then wrote letter to opt out and close this acct. (for $3,500).  In the meantime...they drafted a letter telling me...they were just raising interest rates across the board...??!!!  My letter was for opting out of a different decision?  So bottom line...they closed the account at 29.99%!  Did speak with 'supervisor' he informed me when they received my letter  (2.5 weeks after I mailed it) and that because this was a separate raising of the interest rates...they would be leaving it at 29.99%.  HATE this  hate their attitude...I informed them I was from a small state (NH) and I would be calling my representatives, FTC etc.  They all but laughed in my face..."go right ahead."  10 minutes later I received a hangup phone call from the Omaha Neb. area code...weird! 

Thought I was safe using credit unions...but that credit union sold the visa accts.  and InfiBank owns them now.  This is common..that you think credit unions are free from banks but not so.They are unethical and arrogant and I feel the injustice!