I am currently going through the same situation right now. The VERVE card and the CREDIT ONE CARD. I even have milestone card but its in good standing. They lie! They call you up and set up automatic banking account monthly debits from your checking account. Then 6 months later they charge off your account killing your credit. I'm currently in the process of going after them legally to be a STOP to their nonsense. They seem to want to play above the law. Especially targeting people who are rebuilding their credit. They LIE! I won't stop until I get justice for myself and everyone!