Ripped off by Cross Country Bank Fraud Victim

I have been with Cross Country bank for seven years, last year I had called to inqure about my account, three days later a check in the amount of $130.00 cleared my account, I called my bank to invesigate this check and was told applied credit services (Cross Country bank) had submited this check, the thing was the check was off 5000 numbers in sequence, I informed the bank to send the check back, they did and two days later the check cleared. Knowing that this credit card company is less than trust worthy, I took matters into my own hands and withdrew the money through a cash advance to keep from destroying my checking account. Ten days later I received a letter stating that the check was returned and that a $27.00 fee had been applied to my account. I called immediatly and spoke with Missy in the collection department and let her know that the check was not authorized by me, now looking back she never acted like it was anything new, she explained the matter would be investigated and all fees would be reversed, almost a year later and all fees have not been reversed. I have written letters and received back a apology about my inconvience but only had a overlimit fee reversed, that is a slap in the face due to the hundreds of dollars they have charge me for there mistake. The collection department has called home and work so many times you would have to have a personal assistant to keep track. I have closed my three accounts and noticed last month that even on a closed account Cross Country bank will charge you an annual fee if you still have a balance, when I called to ask what it was for the customer service rep told me to mail out the statements, give me a break what about the high intrest I think that takes care of the .50 cents a month it takes to generate a statement.

So I really have to laugh at the people that are calling the others dead beat and stating that Cross Country customer service is so great, and the rebutals from the customer service staff, and collection department like someone said in one of the hundreds of complaints "people have better things to do than make up stories". Cross Country bank needs to be investigated, so my next step and I urge others is to write a letter to the Visa corporation with plenty of documentation to support your facts, and take the name of the collectors and the times they call and what they say, and read the fair credit act, and if they violate it file a complaint with the trade commission.