Horrible Experience!!!

I've always had a completely unprofessional and nonchalant experience with vericred. all they are good for is sending messages to my phone about how much I owe but they never acknowledge receipt of ANY of my payments. and the worst part is that I keep paying but the balance only goes up and instead of being reduced. I called in several times and sent mails requesting a statement breakdown. got through to a supervisor called Anna and she couldn't even explain their own statement. what I've picked up is that vericred applies unreasonable and outrageous charges on my account, which they can't even fully explain. I understand the interest and collection fees but my balance is always higher that it is supposed to be. my emails have been read and no one reverts back to me since I called in to listen to Anna's excuse for a statement breakdown. That is after I requested a statement for months and it only got send a few days ago. I am liable for my debt but consumers have rights and vericred is liable to operate within the laws of TCF among others. I will definitely have them looked into for these necessary charges which make it impossible to close an account with them on installments.