• Report: #37414

Complaint Review: Cross Country Bank /ACS

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  • Submitted: Fri, December 06, 2002
  • Updated: Sat, December 07, 2002

  • Reported By:Fort Worth Texas
Cross Country Bank /ACS
P.O. Box 310711 Boca Raton, Florida U.S.A.

Cross Country Bank, Applied Card Systems Rip-off Ruined My Good Name As Soon As It Was Reestablished Boca Raton Florida

*Consumer Comment: Just to Make Myself Clear...

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CCB was my first credit card after recovering from a BS hospital charge that marred my credit rating. CCB briefly served a purpose, but it bit me in the a*s -- over and over. My a*s its sore. I was late sending in the annual fee, so I sent them a check for over $80.00 (I was feeling gracious and thankful to be alive that day, so I didn't complain too much).

Next thing I know, I am getting a collection letter saying that I owe $265!!

Supposedly, my check didn't clear, which was never verified by my bank. The check was definitely good. Also, this was months later, without any notices via letter mail from CCB. I don't even want to go into how it reached this astronomical amount!! I'm still lost on that one.

Since the day I sent that one payment, I have received no phone calls and one letter from a collection agency, and it's been over a year. CCB totally bypassed trying to contact me to sort this out.

My best friend has a CCB card and they call her multiple times at work daily, many times a day. They NEVER call her at home. Talk about harassment! From what I have heard though, this is not an uncommon thing for CCB.

I have been so preoccupied this last year with my health issues and recovering from a really rough surgery that I haven't had a chance to deal with this issue. It's been over a year now and I haven't received any communication from CCB, but it is still on my credit report. Bastards.

I'll be glad to wipe my a*s with their card and send it back to them.

Heatherly
Fort Worth, Texas
U.S.A.

This report was posted on Ripoff Report on 12/06/2002 01:45 PM and is a permanent record located here: http://www.ripoffreport.com/r/Cross-Country-Bank-ACS/Boca-Raton-Florida-33431-0711/Cross-Country-Bank-Applied-Card-Systems-Rip-off-Ruined-My-Good-Name-As-Soon-As-It-Was-Ree-37414. 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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#1 Consumer Comment

Just to Make Myself Clear...

AUTHOR: Heatherly - (U.S.A.)

Just to be clear, because I forgot to mention this before, I have no outstanding "charges" on this card. I have had this card for a few years, and only purchased and paid for one small item (a video off of PBS, if anyone thinks they need to know).

My debt is only for an annual fee that was "supposedly" not received. I paid for said fee and its 2-day late charge, but it was never credited (CCB claims my bank -- BofA -- refused to pass the check, for reasons still unknown to me). Now the fee has exploded from approx. $80 to approx. $265.

Again, I never received documentation from CCB, or any verbal phone contact, regarding this amount. I only received a letter from the collection agency.
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