I am complaining against the company for filing my account to the credit reporting agency, and I had missed one payment at the time. The collector for the account called, and I spoke to her and told her that I would not pay for all the fees, that have been attached causing my account to go over the limit. They attached maintenance fees, interest fees, late fees, and yearly fees. They have caused my account to be at this moment as I know of at least $179 over the limit. What's the point of offering cusomers a credit line, and then take a yearly fee out before receiving the card in the mail?? This company is a scam, they are offering to help rebuild and re-establish credit, but actually they are causing the cosumer to pay more in fees, and then ruining their credit by reporting it to the credit agencies. I spoke to the collector on the 14th of Septemeber of this year, and then found out that she reported to the agency the same day. My minium payment is now over $300 compared to 25-35 dollars in the past. My limit is only $700, what's the point of paying if they have already turned it over to the credit agencies?? They have caused unnecessary stress in my life, and when they called they called from an unknown number, they were rude when I inquired about why they had not left messages, and why were they calling from an unknown number. Today the rude man called and said that they would continue to report to the agency, and that when I received the card that it has all the fees included in the brochure. Is there anyone I can talk to get this off my report?? They are trying to ruin my credit, it's ironic how they claim to help rebuild credit, but have hidden fees, and report the same day that you tell them that you will be consilidating the funds to another credit card. What are my rights, and can I have this removed offf from my report??? It causes your score to go down 65 points! It's rediculous. Please help me find the right resources, to contact if you know of anyone. This rediculous scam has to be put to a stop!!! We must complain and continue to do what ever it takes to get these people to refund our extra fees, and removed the negative reports. I had paid on time for about a year, and missed one payment and was reported immediately! Give me a break.