I had a Lowes credit card account that we kept paid up. I missed one payment due to finacial issues my interest rate jumped to 26.99% I was paying $100 monthly but couldn't get it paid off the amount on the card just kept rising.We always made all of our payments in the store but no matter how much we paid on it the amount never went down. I have been to Lowes using my debit card and Lowes report it fraudulantly used and my bank canceled my card leaving me unable to access my account. They did this to me 5 times. They stopped sending me bills and the calls started all hours of the night. An automated call I talk to someone and ask them to send me a bill and they refuse. I asked for a detailed bill they refuse. I offered to pay $100 a monthy where do I mail it they refuse. They want everything over the phone. I do not trust them and am not making any payment over the phone. They now had sherriffs serve me papers and they are placing a lein on my house and garnishing my paychecks. I have tried to set up payment arrangements they refuse to take anything less than $200 a month. I had a max on my card of $1000 I now owe $1675.03 with a minimum payment of $376. I have been yelled at and now my home is being threatened. I try to talk to these people and they keep telling me to calm down and I am not even yelling. And I am now finding out this is a normal thing with them. I am willing to pay what I owe but no matter what I have done the balance keeps rising.