Entered into USF credit card counseling program. They automatically take out $500.00 each month to pay my creditors. USF has not paid my creditors from May to September and then Paid for 4 months worth in September. The credit card companies did not like this and charged me a bunch of late fees. As of today they have not received a payment from USF since September and have kicked me off the program my interest rates have sky rocketed as well. USF refuses to contact me back in regards to refund