Complaint Review: CROSS COUNTRY BANK - Woodinville Washington
- CROSS COUNTRY BANK Wilmington Delaware Woodinville, Washington U.S.A.
- Phone: 561-982-9111
- Category: Credit & Debt Services
I got the number .first it sound idea to rebuild my credit, a low-limit credit card I could make regular payments on. So I gave them a call; they took my application and determined they would give me a credit limit of $300 and to expect the card in the mail.
Two weeks later I got the card in the mail called to activate it. But I did not charge on the card at first because I wanted to wait for the first billing statement. I thought I did the smart thing and not long after first billing statement arrived. It showed that I had an account with them and nothing else, no signup fees showing.
So I decided it was OK to start using the card. I made 2 charges on the card; one for $20 and another for $40, a total of $60 against a $300 limit. I charged no more until the bill arrived. Then I would pay the $60 on it no problem to pay it off right away.
To my surprise the billing statement showed $230 of "signup fees" for a card with a credit limit of $300, fees which were undisclosed and never mentioned in any of my contacts. The two charges were there, yes, as well
as the 80% signup fees. EIGHTY PERCENT. Not even loan sharks charge that much.
I picked up the phone and gave them a call. No 800 number; a long distance call from Washington to Florida. After a labyrinth of transfers and menus, all on my dime, I finally got someone on the line and explained the
situation. It was like talking to a wall; no matter what I said, the person on the other end had only one line "Sorry sir I can't help you with that. You have to write to the bank yourself "
I asked for the bank direct number and I got the same line again Then I went on the web looking for a mailing address. I wrote to them and asked them to removed $230 charges, charged never disclosed to me, or close
my account and would send it the $60 which I charged.
Weeks late I got a letter from them state the they won't take off the $230, and my account with them is closed so I can't use the card anymore. At this point I had the card less than two months. Then come the next billing
statement, now with a "late fee" charged. A "late fee" of $40! I made the payment, but the next bill showed another $40 "late fee" anyway.
I talked with them for months. Then they began calling me; from 20 to 50 calls per week, at all times of the day and night, 5 AM on Sunday mornings. The callers were abusive, threatening, blustering. I made some more payments but it didn't matter; another $40 was added every month regardless of how much I paid.
Finally they offered a deal; if I would send $140 with a check number over the phone on that day then they would close the account. I did this; I sent the money. But that wasn't the end; the next billing statement showed
me owing over $500. What the hell?
I called again and they denied ever making any deals, and continued to threaten, continued to call. To this
day they are calling me every day, all times of day. I have paid over $400 to them in all, and they show on my credit report as owing them over $700. Despite the account being closed they continue to add $40 every
month and continue to threaten, and to add insult to injury, they are still offering "deals" to finish thing off.
I will declare bankruptcy before I will give the racketeers at Cross Country Bank another penny. These people are liars and crooks and their collection agents are the rudest people I have ever run into on the
telephone. I doubt there is any "bank" here; I was getting calls from their "collections" people before I had even missed a payment.
This is a fictitious bank that issues credit cards for no other reason than to collect from people. They are not collecting any more from me.
DON'T GET A CREDIT CARD FROM CROSS COUNTRY BANK. Run screaming instead.
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This report was posted on Ripoff Report on 06/18/2002 06:06 PM and is a permanent record located here: https://www.ripoffreport.com/reports/cross-country-bank/woodinville-washington-98072/cross-country-bank-ripoff-business-from-hell-delaware-florida-22982. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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