My husband lost his job, though no fault of his own.  We worked with several credit card companies to join a Credit Counseling Program.  One credit card company, Credit One, refuses to work with the credit counseling program and has made our bill go up every month rather than down.  They charge us over 28% interest and a "late fee" of $39 every month.  We still make regular payments to them that are considered reasonable by the credit counselors.  We have written letters, complained to the OCC, the BBB, the FTC, and Complaints Board.  If we were the only ones this was happening to, I could write it off as incompetence, but if you look up the complaints on Complaints Board, you will see that it seems to be policy to defraud people deliberately.  Also, there was a class action law suit for these same practices filed against this company before.  They were known as First National Bank of Marin then.  It seems that they changed their name so that they could continue these practices under the name of Credit One.   I have contacted the law firm that handled the last class action suit against this company and hope to start another one.  I sent a dispute form to the credit reporting agencies, but this did no good.  They lie and say that the billing is valid.  This has given me quite the feeling of helplessness against this company, but I will not let them get away with these practices.  It would be nice if we had a government that helped me.