Cross Country Bank - Applied Card Services Ripoff illegal fees, harrassment, no proof Boca Raton Florida

Cross Country bank charged late fees for payments when the funds had already been deducted from my bank account.

When I complained, they stopped sending me statements. When I called for copies of all the missing statements, not only was I informed they would charge me for them, but then I never received them even though I confirmed my address on the phone with them.

I was charged for a credit limit increase I did not authorize. When I called them, they would neither decrease the limit, refund the fee and could not provide any proof be it tape recording or signature that I authorized the increase. The charge was not reversed.

When a couple other charges appeared that I didn't know what they were for, I could not get the charges reversed, held or any information on the "companies" that charges the card.

When they refused to address any of theses problems, I stopped paying on the account due to their breech of contract. Then I received nonstop harrassing phone calls - sometimes as many as 15 per day from their collection people. They stopped calling at illegal hours when I told them I was going to get a copy of my incoming calls and sue them for illegal practices by trying to collect outside legal calling times.

At the beginning I offered to pay the $850 I orinally owed them if they would close the account. They would not close the account and now I am still getting calls from a different agency every week for a $2000+ balance. However, not one company has been able to provide me with a complete list of all charges deemed due.

For all the aggravation, illegal practices and harassment, I beleive the company owes me money, not the other way around.

Steve
Rochester, New York
U.S.A.