First Premier Bank Fraudulant Credit Reporting and Unfair Fee Practice Sioux Falls South Dakota

I have an account with First Premier Bank and mny credit limit was 350 i was at 352 balance. My payment was due Nov 30th. On Dec 5th they reported me to the credit bureau as an "account closed by credit grantor" and a balance of 459 dollars.
I called them and the said since i was "5" days past due the suspended my account and charged me late fees and over-the-limit fees to push my Balance to 459 that Really killed my credit score.
I was denied a loan because of this. I was 5 Days late!

Randy
Johnson City, Tennessee
U.S.A.