APPLIED BANK unfair fees Wilmington Delaware

I closed my account on my own in July 2008 because of excessive fees. I have 2 other credit cards--there's no comparison in their business practices.

I had learned that Applied Bank used to be Cross Country Bank & had changed their name because they'd ruined their reputation & wanted a fresh start.

I agreed to pay $35/month & did so with no problem (all payments were made considerably early) for 8 months.

In March I was going in for a heart cathaterization, & set up with my bank online, the day before, to pay.

I inadvertantly made it for $30. instead of $35.

I had a 90% blockage in a major vein + diffussion disease. They were able to do angioplasy & stent on the 90% blockage only.

Well when I got my next Applied statement they had charged me a $32. late fee and $32 over limit fee--totally based on the $30 not being the agreed amount (I was not late & had not charged anything to make me over limit).

I called them & they refused to cancel the charges. I told them I will not pay another nickel until they cancel the unfair charges. Their response was to add more $32 late & $32 over limit fees in subsequent months.

Now it is in collection. I will gladly pay $35/mo. only if they wipe out the unfair fees.

Bottom line...I used their credit card very little before I cancelled it...I have paid hundreds of dollars altogether. They still claim I owe them about $500.00--My contention is that way over half is in crooked fees.

Christy
nazareth, Kentucky
U.S.A.