My interest rate increases from 3 percent to 13.12 percent every XXXX ; even though I am on an adjusted interest payment plan. My payments are suppose to be {$220.00} every month as long as I submit to an automatic debit even though the payment fluctuates. I asked for information on the type of payment plan and the restrictions, requirements, and events but I am always told " you will receive that information via email '' but I never receive anything. My renewal month is XXXX each year for which I receive an email ( enclosed ) in early XXXX to which I promptly respond. 
My interest rate should not increase like that if I am on a payment plan, renew ontime, and pay ontime? 
Best regards, XXXX supporting documents