CROSS COUNTRY BANK This bank has caused my family living Hell! QUESTIONS ABOUT CROSS COUNTRY BANK HARASSMENT Willard Ohio

BTW, on the billing statement it does state that:
"To obtain a payoff amount call the customer service number on the statement front".

So obviously , they do have a payoff system in place similar to mortgages and car payoffs and when you call to close your account if any outstanding amounts are due, you should be notified at the time you are closing the account.

BTW, on the billing statement it does state that:
"To obtain a payoff amount call the customer service number on the statement front".

So obviously , they do have a payoff system in place similar to mortgages and car payoffs and when you call to close your account if any outstanding amounts are due, you should be notified at the time you are closing the account.

BTW, on the billing statement it does state that:
"To obtain a payoff amount call the customer service number on the statement front".

So obviously , they do have a payoff system in place similar to mortgages and car payoffs and when you call to close your account if any outstanding amounts are due, you should be notified at the time you are closing the account.

BTW, on the billing statement it does state that:
"To obtain a payoff amount call the customer service number on the statement front".

So obviously , they do have a payoff system in place similar to mortgages and car payoffs and when you call to close your account if any outstanding amounts are due, you should be notified at the time you are closing the account.

No Melissa, its not a residual amount it's called an accrued amount. And if an account is paid in full at the time it is closed, then no accrued amount is allowed to be placed on the account for finance charges. This is according to their own billing statement. No finance charges may be imposed on an account that is paid in full. Their words not mine....According to CC Bank, I received a letter stating that I had a Zero Balance. This means that the account was paid in full at the time it was closed. Otherwise I would have received a letter stating that the account would be closed when I had a zero balance and I had an outstanding balance of $11.02 .

Anything else is misleading and intentional by CC Bank in an attempt to hold open the account. Which BTW is exactly what a few state attorney's offices have gone after them for. And you can receive a statement of the amount for the satisfaction of the account from their legal department or a senior officer quite like a payoff on a car or mortgage. Unfortunately, because they do not have a 30 day grace period they can impose finance charges up until the day the account is closed and paid in full but not afterwards. My account was paid in full on the 28th of August. I was charged a finance charge AFTER this time. What I paid was inclusive of any finance charges up to that point.

What they actually are doing is charging you finance charges on the difference between your last balance for the previous month and your last payment. They are charging you for making payments on your own account.

Here is a breakdown of how it works:
Previous months balance was $846.52
A Payment was made on 8/12/2005 for $81.95
A Payment was again made on 8/26/2005 for $835.50
It shows payments made for August 2005 of $917.45
It shows purchases and cash advances of $70.93
Debit Adjustment of ZERO
Finance charge of $11.02 --ibid: NEW BALANCE $11.02

So please Melissa, explain to me how I made payments which exceeded the previous months balance, but still have a finance charge imposed on the difference of the previous balance and payments made. This is exactly what was done.
I was charged a finance charge on my own payments. Not only did I pay a $6.95 monthly online fee to pay my bill but I am being charged a finance charge on my own payments.
The difference between the $846.52 and $917.45 is $70.93. And I believe that this amount ( which they call purchases and cash advances) is what I was charge a finance charge on.

No Melissa, its not a residual amount it's called an accrued amount. And if an account is paid in full at the time it is closed, then no accrued amount is allowed to be placed on the account for finance charges. This is according to their own billing statement. No finance charges may be imposed on an account that is paid in full. Their words not mine....According to CC Bank, I received a letter stating that I had a Zero Balance. This means that the account was paid in full at the time it was closed. Otherwise I would have received a letter stating that the account would be closed when I had a zero balance and I had an outstanding balance of $11.02 .

Anything else is misleading and intentional by CC Bank in an attempt to hold open the account. Which BTW is exactly what a few state attorney's offices have gone after them for. And you can receive a statement of the amount for the satisfaction of the account from their legal department or a senior officer quite like a payoff on a car or mortgage. Unfortunately, because they do not have a 30 day grace period they can impose finance charges up until the day the account is closed and paid in full but not afterwards. My account was paid in full on the 28th of August. I was charged a finance charge AFTER this time. What I paid was inclusive of any finance charges up to that point.

What they actually are doing is charging you finance charges on the difference between your last balance for the previous month and your last payment. They are charging you for making payments on your own account.

Here is a breakdown of how it works:
Previous months balance was $846.52
A Payment was made on 8/12/2005 for $81.95
A Payment was again made on 8/26/2005 for $835.50
It shows payments made for August 2005 of $917.45
It shows purchases and cash advances of $70.93
Debit Adjustment of ZERO
Finance charge of $11.02 --ibid: NEW BALANCE $11.02

So please Melissa, explain to me how I made payments which exceeded the previous months balance, but still have a finance charge imposed on the difference of the previous balance and payments made. This is exactly what was done.
I was charged a finance charge on my own payments. Not only did I pay a $6.95 monthly online fee to pay my bill but I am being charged a finance charge on my own payments.
The difference between the $846.52 and $917.45 is $70.93. And I believe that this amount ( which they call purchases and cash advances) is what I was charge a finance charge on.

No Melissa, its not a residual amount it's called an accrued amount. And if an account is paid in full at the time it is closed, then no accrued amount is allowed to be placed on the account for finance charges. This is according to their own billing statement. No finance charges may be imposed on an account that is paid in full. Their words not mine....According to CC Bank, I received a letter stating that I had a Zero Balance. This means that the account was paid in full at the time it was closed. Otherwise I would have received a letter stating that the account would be closed when I had a zero balance and I had an outstanding balance of $11.02 .

Anything else is misleading and intentional by CC Bank in an attempt to hold open the account. Which BTW is exactly what a few state attorney's offices have gone after them for. And you can receive a statement of the amount for the satisfaction of the account from their legal department or a senior officer quite like a payoff on a car or mortgage. Unfortunately, because they do not have a 30 day grace period they can impose finance charges up until the day the account is closed and paid in full but not afterwards. My account was paid in full on the 28th of August. I was charged a finance charge AFTER this time. What I paid was inclusive of any finance charges up to that point.

What they actually are doing is charging you finance charges on the difference between your last balance for the previous month and your last payment. They are charging you for making payments on your own account.

Here is a breakdown of how it works:
Previous months balance was $846.52
A Payment was made on 8/12/2005 for $81.95
A Payment was again made on 8/26/2005 for $835.50
It shows payments made for August 2005 of $917.45
It shows purchases and cash advances of $70.93
Debit Adjustment of ZERO
Finance charge of $11.02 --ibid: NEW BALANCE $11.02

So please Melissa, explain to me how I made payments which exceeded the previous months balance, but still have a finance charge imposed on the difference of the previous balance and payments made. This is exactly what was done.
I was charged a finance charge on my own payments. Not only did I pay a $6.95 monthly online fee to pay my bill but I am being charged a finance charge on my own payments.
The difference between the $846.52 and $917.45 is $70.93. And I believe that this amount ( which they call purchases and cash advances) is what I was charge a finance charge on.

the last bill you received was the residual finance charges - the interest up to and including Aug 28th when you paid off the account. The vast majority of credit card companies do this now...it's not the type of loan you can call and get a payoff balance on. it may seem crappy, but you do owe them that money. however, some companies will waive the charge if it's under a certain amount, so you might try that.

By the way, Beverly, you're my hero. I hope he didn't try to sue you.

I had a credit card limit of $950 with CC Bank. I consolidated my bills and paid the balance on this account so that I could get away from this awful company.

I received a letter when I closed the account that on the 28th of August 2005 I had a zero balance and the account was closed. Well, that sounded good except I then received a bill for $11.20 for a finance charge. Now the billing cycle ended on the 4th of September and the account was closed before this with a zero balance. So how can I be charged a finance charge when the account is closed? It even states on the bill that I received that the account is closed!

I really don't want to send them any more money, and did send a copy of the bill and letter from them that the account was closed to the proper address and I sent it priority mail with a tracking number. I have excellent credit, but am afraid that these sharks will deliberately try to ruin my credit. BTW, they did the exact same thing to my son so this is not just "Something" out of the blue. Who can I complain to?

I had a credit card limit of $950 with CC Bank. I consolidated my bills and paid the balance on this account so that I could get away from this awful company.

I received a letter when I closed the account that on the 28th of August 2005 I had a zero balance and the account was closed. Well, that sounded good except I then received a bill for $11.20 for a finance charge. Now the billing cycle ended on the 4th of September and the account was closed before this with a zero balance. So how can I be charged a finance charge when the account is closed? It even states on the bill that I received that the account is closed!

I really don't want to send them any more money, and did send a copy of the bill and letter from them that the account was closed to the proper address and I sent it priority mail with a tracking number. I have excellent credit, but am afraid that these sharks will deliberately try to ruin my credit. BTW, they did the exact same thing to my son so this is not just "Something" out of the blue. Who can I complain to?

I had a credit card limit of $950 with CC Bank. I consolidated my bills and paid the balance on this account so that I could get away from this awful company.

I received a letter when I closed the account that on the 28th of August 2005 I had a zero balance and the account was closed. Well, that sounded good except I then received a bill for $11.20 for a finance charge. Now the billing cycle ended on the 4th of September and the account was closed before this with a zero balance. So how can I be charged a finance charge when the account is closed? It even states on the bill that I received that the account is closed!

I really don't want to send them any more money, and did send a copy of the bill and letter from them that the account was closed to the proper address and I sent it priority mail with a tracking number. I have excellent credit, but am afraid that these sharks will deliberately try to ruin my credit. BTW, they did the exact same thing to my son so this is not just "Something" out of the blue. Who can I complain to?

I had a credit card limit of $950 with CC Bank. I consolidated my bills and paid the balance on this account so that I could get away from this awful company.

I received a letter when I closed the account that on the 28th of August 2005 I had a zero balance and the account was closed. Well, that sounded good except I then received a bill for $11.20 for a finance charge. Now the billing cycle ended on the 4th of September and the account was closed before this with a zero balance. So how can I be charged a finance charge when the account is closed? It even states on the bill that I received that the account is closed!

I really don't want to send them any more money, and did send a copy of the bill and letter from them that the account was closed to the proper address and I sent it priority mail with a tracking number. I have excellent credit, but am afraid that these sharks will deliberately try to ruin my credit. BTW, they did the exact same thing to my son so this is not just "Something" out of the blue. Who can I complain to?

I'm a former bill collector. Under the name of Max Edison, I write personal finance books for Paladin Press. My first book published by them was "Beat the Bill Collector". Go look me up on Amazon.com if you've any doubts.

The Fair Debt Practices Act states that a 3rd party (collector) can call you at work to discuss the debt, or can contact your employer to verify employment.

As formerly suggested, you can write a "cease" letter to Cross Country Bank. However, if Cross Country Bank is the original creditor (the one that loaned you money, not collectors that the debt was assigned to), a cease letter will do you no good, since the FDCPA only applies to 3rd parties.

FYI, a good cease letter would be along the lines of, "In accordance with the Fair Debt Collection Practices Act, I hereby cease you from contacting me..." Send it certified, so they can't pretend they never got it.

Unfortunately, a cease letter says "put up, or shut up", and since they know where you work, they'll probably just stop communication, sue you, and garnish your wages.

Teresa
Yes A creditor may contact your employer, Only if you listed them on your cc application to contact you that is one of the reasons that it is requested. Best is try to make araingement to pay the original debt. Send them a Cease and Desist Letter for Debt Collectors.
Beverly, Beverly, Beverly you should know better, having a permit to carry a concealed weapon does not give you the right to shoot anybody thru the door even in Colorado. Why don't you seek a lawyer and get them for harasment?

My late mother had a CC account. When she was diagnosed with cancer, I wrote CCB and I told them that I would pay the account provided they followed a few rules.

1)Don't call my home 20+ times a day harassing me or they will regret it.

2)I demand a copy of all statements for the past year and I am not paying $3.50 a page for them. If they want to be paid, then they will have to give what I demand.

3) If they call my home and start harassing me or being beligerent, remember this rule, Smith and Wesson will rule this home and all phone calls will be tape recorded.

When my mother passed, I sent them a copy of the death certificate. They filed a lawsuit trying to collect on the debt. A process server showed up at my home before 6 am. I told him that my mother was dead and she had been dead for months. I offered to give him another copy of the death certificate and he refused it.

That fool came back several hours later, banging on the doors and windows, calling out my mother's name and saying I know you're in there.

I had a gun in one hand and crowbay in the other and I beat that process server in the face. He ran to the police station and brought back the police. I explained the situation to the police officer and I told him that I had a permit to carry a concealed weapon. The officer told the process server that there was nothing that he could do, because by his own admission, he knew that my mother was deceased and that by coming back, he knew he was putting his life in danger.

The process server had a broken nose, broken eye socket, both cheek bones busted and several broken teeth.

Now I am being harassed by several other collection agencies regarding my late mother's account.

So far no process servers, but I do have a sign on the door stating I will shoot any process server thru the door.

First, to a rebuttal above: NO they can not call your employer. The "Fair Debit Collection Act," prevents them from being able to do so. Also, this Act protects you from these harassing phone calls.

However, CC will eventually resort to tactics like leaving threatening messages, without saying who they are (quess they forgot about caller ID), they'll leave messages claiming to be a "lover" of your spouse, etc. Yeh... it will get bad. Neither my husband nor I have ever had a Credit Crad fromt his company, yet we both have a collection on our credit report for over $800. I've gone to CC and asked them about this. With my husband, his is 8 years old and CC claims to have sent a card in his name to an address we had not lived at in 2 years prior. Then they can't come up with any papers proving that this was his. He filled with the FTC and it was recently cleared.

As for me, they had one for over 10 years, yes over 10 years on my credit report. I went to the CBA's and asked why a 10 year old collection was on my report, their response, "Whoops..." That's been cleared but I went through so much proving that this was not my account. But CC doesn't have to prove anything, unfair isn't it.

At this point, you can go to www.ftc.org and look up the "Fair Debit Collection Act." This will give you specifics of what they can and can't do. The next time they call, pick up the phone and tell them you are aware of your rights and this harassment at home and work is to stop now. CC has guts and will threaten you when you say this. Then you back to the FTC's website and file a complaint. If CC calls again, then you go to your state's Attorney General. As someone else pointed out CC is being sued my many. They will take this seriously.

Good Luck!

I had been given a credit limit of $250. And since it was close to christmas, I used it. I knew there were fees I had to pay that were charged as soon as the card was activated, and I knew what my limit was. I was careful not to over charge my limit, but when my first bill came, I was unable to pay it and it sent me right over my limit with the late penalty fee. So right away I had the over limit fee (25.00) and the late fee (25.00), which became overwhelming and I was unable to get paid down within the limit, and I gave up. After having this debt for some time, a collections rep. had called my house and asked to speak with me. I explained that I had a hard time paying the extra fees and its next to impossible to get my account paid down to where I wouldnt have these fees. Well then this guy started getting obnoxious and very very rude. He asked me if I read the policy and told me that I must be illiterate. And he had mentioned this quite a few times as if it was a known fact. Seeing that I was getting upset, my husband took the phone. I can't put in here what was said, but there colorful words flying left and right on my husbands side of the phone. After my husband hung up on this hissing person, he told me what this man was saying about me. He again reminded my husband of the concrete fact (aint no changing this persons mind)that I cannot read, along with other silly mumbo jumbo. After a few minutes pass (and I am not exaggerating), I go to use the phone to make a call, and this man is STILL on the other end! He says "don't you want to talk to me"? I'm sorry if that seems unbelievable to some or most of you, and it sounds like it came out of a movie, but that is what he said. And he said it in a way where you would think this person belongs in an institution where the rooms are padded. I hung up the phone, but he was still on. It had to have went on for at least 10 minutes like that.I had no idea that was possible to stay connected like that. (Of course I wasnt psycho enough to try it either) I didnt know at that time if I could file harrassment charges against him or not, and personally I couldnt afford to go to court to fight it. This happened back in 2000 or 2001. I pretty much left it go, but I recently got a bill in the mail from a collection agency and it claims I owe $873.47 all from a $250.00 credit limit, in which most of the charges on the card were the banks fees! I only charged about $50.00 (give or take) worth of items. So I had trouble paying, does that constitute a $873.47 debt? I hardly think its fair. And I ABSOLUTELY REFUSE to pay any of it, not even a settlement amount. Not with the way that man treated me over the phone. But even if I complained to the company at that time, or even now, it wouldnt make a difference. After all, collections is out to stick it to ya, not help you work out an arrangement (without added fees). All I know is that it is already on my credit report. I have no problem paying owed debts, but I have a real problem with someone calling me something I'm not, harrassing me, and scared the crap out of me by being a phone psycho and then expects me to hand over money I use to feed, clothe, and shelter my three kids. I would expect that behavior from an ex-boyfriend, not a collection agency.

I have just filed a complaint with the City Attorneys office where I live regarding Cross Country Bank, Applied Card Systems (subsidiary) and Pinnachle Financial (the collectors for Cross Country). The City Attorneys office has forwarded my complaint to the Federal Trade Commission for investigation.

I had been harrassed, called several times a day both at home and at work and had added charges to an account illegally.

Cross Country Bank is also being sued by several states. Ive been in contact with the Minnesota Districk Attorneys office and they have already filed suit.

Fight them, you can win, I plan to.

When they call you at home, tell them you do not want them to contact you anymore by phone. They may corresponde through the mail. They do have the right to call you at work, but they cannot disclose why they are calling.

They can say I am so and so from Cross Country Bank, but they cannot say why they are calling. Once again, tell them that they are no longer to call you at work, and then hang up. That's it! No more calls, if they do persist by phone, you can persue legal action.