- Report: #353608
Report - Rebuttal - Arbitrate
Complaint Review: Applied Bank
Applied BankWilmington, Delaware U.S.A.
Applied Bank Deceptive Credit Practices Wilmington Delaware
*Consumer Comment: The finance charges are interest.
*Consumer Comment: Then you're stuck
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I admit my account is pretty well maxed. But every month I am hit with a huge over the limit fee. I don't use my credit card, I'm trying to get it paid down. So how do I get over my limit? Fees! Every month I get some trumped up fee that sends me over the limit, even though I take into account fees and other charges when I make my payments and pay extra to cover them. It doesn't matter!
This month I was charged $10.95 for maintenance fee, ok that's to be expected. Then $6.95 online payment fee. Ok. But that wasn't enough to send me over the limit. Then they slap on a finance charge for "Purchases" $13.63 and "Cash Advances" $4.05 As I said I don't use my card. What purchases? Well that sent me over the limit and I'm then charged a $32.00 fee for that. So instead of a $30 payment like it should be I'll be paying $70 yet again.
If I pay $30 extra to cover any fees, I guarantee you they will charge over $30 in trumped up fees and charges to send me over the limit. It would be great if I could pay down $100 or $200, but at this time in my life I can't. How did I get my account so close to the limit? Fees!!!!
This report was posted on Ripoff Report on 07/21/2008 08:54 AM and is a permanent record located here: http://www.ripoffreport.com/r/Applied-Bank/Wilmington-Delaware/Applied-Bank-Deceptive-Credit-Practices-Wilmington-Delaware-353608. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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