Cross Country Bank - Applied Card Bank ripoff, re-establish credit joke, customer service and care horror story Wilmington, Delaware

After my divorce I recieved an offer to re-establish credit with Cross Country Bank. They were and continue to be a night mare for 6 years now despite the fact they have changed their name.

They debited ny checking account one day early for a payment made by phone to "avoid anylate fees" this ended up costing me right at $500 in overdrage and NSF fees for the checks I had mailed prior to finding out they had done this.

My original credit limit was $300 I think and they managed to run my account up to $1200 in fees. I tis still currently reported on my credit report. I paid them more than what I had charged on the card in the first two months that this all started with their error.

The $1200 they claim that I owe them are all their additional fees resulting from their mistakes. They harrassed me non stop at my job and my home for the first two years until I told them I had consulted an attorney and would file a law suit if I needed to.

I files written disputes 3 times and never received any type of acknowledgement or reply from them. I have been contacted by 4 different collections and attorneys, each time I have sent them all the letters of dispute and they do not contact me again, until the next idiot.

My current husband received a card from them with their new name this is how I finally figured out what they had done. He is a truck driver and intended to use the card when he was on the road.

Just this past months he paid his card in full $750 with the money that would have been his "road money" onley to find out that they would not release the funds for 12 days after receiving payment directly out of our checking account.

He was stuck out of town with no money to eat, for a hotel or anything. Upon contacting them with the particulars they refused to free up even a miminal amount for him to eat even though they were able to verify the funds had cleared.

Sheila
Fort Morgan, Colorado
U.S.A.