A few years ago I received a garunteed acceptance offer from Cross Country Bank. I accepted the card in hope to build my credit. At the time of accepting, I purchased the protection package that supposedly helps you if you are sick, injured or unemployed. Several months later I became unemployed. I contacted the company to report this to them. A few weeks later I began receving phone calls from their collections department 8-10 times daily, even into the night hours.
At the same time I was receiving collection letters from agencies such as BBC, Midland Financial, and several more. I was also receving letters from attorneys threating suit. I called Cross Country Bank and asked them who I was supposed to be paying and why I was being harrassed when I had purchased the protection package. They told me to pay the company BBC. I set up a payment plan with this company, paying only $35.00 a month.
They sent me an invoice, I made the first required payment of $70.00. I never heard from them again. I begain receiving the phone calls and letters from more agencies. I again called Cross Country Bank and explained that I had made payment to BBC as they had informed me to do and that I was receving phone calls and letters from other companies. They told me they had only turned my account over to 1 company and to pay them. I still never received anything from BBC again. When I started working again last year, I called Cross Country Bank to tell them I was employed. After that I began receving phone calls at work from these collection agencies. I made a call again to Cross Country Bank and this time only got the answering service. The phone calls continued at work and I told them each if they called my place of work again that I would file a harassment suit against them.
I haven't heard anything from anyone in over a year. When I tried to log into my account online, what did I find? Cross Country Bank is Applied Card Bank now and the accounts have changed. So I have no way to pay anyone because Cross Country Bank/Applied Card Bank says they turned my account over, but to who? Recently I received a letter in the mail from my county court stating that Midland Financial was suing me for over $2,000. I was asked to contact my local court or receive judgement by default in Midland Financials favor. On the same day I also received a letter from Powerl, Rogers & Speak, regarding the same exact account #, only they claim I owe Cross Country Bank/Applied Card Bank $1,000. If anyone has any advice or could tell me what I am supposed to do then please let me know.