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Account status incorrect. I have been working on paying this XXXX XXXX XXXX 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 acc