Please keep in mind that this isn't really a credit card, but a line-of-credit.

Let's roll the clock back to April 2024:
I get an email stating a dispute on my account was denied, and that my payments are going up.

The last time I used this account was in March 2023, so who would try and find a dispute for something a year ago? When I called this company, the agent stated she never saw a dispute, but couldn't see why my payments would be going up. She asked me to send a copy of the email I received, and I should call back once my statement dropped.

Several day's later my statement dropped, and behold, my payments when up. No explanation on the statement but they went up almost $20. I called the company like the first agent told me, and the guy I spoke to said that it looked like a late fee. A late fee on an account I always pay (except one time because of my checking account was compromised) early.

Best of all, all my prior payments dropped by almost half. Which I advised them them via email but their website doesn't allow you to see all prior payments, so I'm not sure what happened to the others.

I made my payment, and figured I'll see what will happen in May.

May
Guess what appeared in my email? Another email stating that a dispute was denied. Again my payments went up, and again, no one was able to answer what's going on.

Waited till my statement dropped, and I saw all my payment's from Oct. 2022 to April 2024 adjusted (over $1900 in adjustments and payments, and my payments increased again.

Again, called, was told everything under the sun of why my payments went up without a solid answer.

June 1st:
No email, statement dropped, and my payments are still higher compared to what I've been paying.
June 5th:
Was told someone from the Customer Advocacy department would reach out to me.
Several day's later I called the CA, and was told that they are still working on it, and gave me a statement credit of $100 and I would have a call in a couple of days.
June 8th:
Still didn't get a call back. Called the company and told them I wasn't going to make a payment until they have my account 100% corrected. Here was how the phone call went
Agent: I'm still waiting for a call back from our compliance department. Currently my hands are tied, I cannot do anything until our compliance department gets back to me. But according to your terms and agreement, your payment is still going to be due.
Me: So it's OK for you to breach the agreement, but I still need be held accountable if I don't make my payment since your company already breached the agreement? I've been working with your company for over 3 months since the breach of the agreement. I've been making my payments according to the agreements, but you go an change the terms of the agreement without written consent between both parties.
Agent: Per your terms and conditions (I interrupted them)
Me: Again, it's OK for your company to breach your terms and conditions, but if a customer breaches the terms and agreement, you sue them.
Agent: I fully understand, but again according to the terms of the agreement (I interrupted them)
Me: I'll just wait for a call back. It's sad when your company is breaching the agreement, you feel that it's fine. But don't let a customer. I'm terminating this call.
June 19:
Been over 11 weeks since a CFPB complaint without a response
Called them again for a response. The agent working on my account is out of the office (this was about 3 times that I called and they are out). Wanted a supervisor. Here was the exchange
Supervisor: So you have a problem with the re-amortization of your account?
Me: Re-amortization? I never got a re-amortization of my account. I got emails stating that disputes was denied, and my payments are increasing.
Supervisor: You should have gotten a re-amortization of your account
Me: According to laws, this needs to be agreed upon by both parties, I should have 45 days notice before you attempt to modify my payments, and I have a rebuttal period. But your company never sent me an re-amortization of my account, instead you stated that I had a dispute that was denied.
Supervisor: Let me try and get this settled quickly. I'll email you today or tomorrow to give you an update.
Me: I am willing to negotiate with my settlement of your company breaching the agreement. This is soon going to be a legal matter.
Supervisor: We really don't want you to go that route. Let me contact my Compliance department since we work closely with them to try and get this resolved. Again, I will email you or call you with any updates.

August 2: Still no answer. I've asked them when this was sent to their compliance department and was advised that it was sent when the CFPB complaint was filed.

Said that they had this account for almost 4 months, and still no answer. What is wrong with this department? Was advise that they are going to attempt to get some answer for me today or Monday.I told the agent that if I need to call back, that I want to talk to the compliance department. It shouldn't take them Since April to figure out what is going on with my account, and come up with an acceptable resolution.

Advise them that I don't care if that group doesn't take calls, they are going to make an exception since it's been almost 4 months since they had my account and was "working" on a resolution. No company should take 4 months to figure out what is going on and come up with an acceptable resolution to the problem.

August 5th: Got an email stating that a case was opened. What was going on Since April to August 5th?

August 16th: Still no answer. Reached out via FB Direct messages. Any ideas what happened with that direct message? Someone read it, but no one answered me.

August 20th: FINALLY got a call back. The supervisor stated that they don't feel like they did anything wrong, so they are stating that this case is closed.

Didn't do anything wrong? Didn't answer why my payments went up, didn't send me an re-amortization of my account, didn't give me a 45 day notice, they didn't do anything wrong?

October 23: I got a call back from the company. The callback was about the letter I sent advising of a potential lawsuit. Was shocked that the same "Supervisor" that had my case is the same one working on this that was handed to them from their legal department. Was told that I would get a callback in 1-2 business days.

November 6th (yes that's correct 2 weeks later): I get a call back. They are now wanting to settle. Was told that I would have a settlement agreement within 2 business days.

November 11th: Still no settlement agreement. My terms are soon going to change if I don't have it by Wednesday.