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 read full review »