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Patricia of Chula Vista CA (07/17/08)
i got the card with a 300.00 limit and i ended up around 1500.00 with all the fee and charges. and now it is on my credit
BAD CREDIT
Thomas of Binghamton NY (07/09/08)
I received their documentation regarding their credit card offers, and I read them thoroughly, to make sure, even the fine print. After reading the information packet, I concluded that this was a credit card I could trust, and use, and was on my way to making my credit better again. I signed up for the card, and for the protection it offered in their brochure regarding the options of paying an extra sum of money, on top of my monthly usage fees and expenditures, so that should I become unemployed, they would cover the remaining balances until I found work elsewhere.
Now I had the card for I believe over a year, and I don't recall if it was an extra $9.00, or an extra $39.00 a month, but I paid it, in full, without complaint. So when I became unemployed, I submitted the proper information to the proper department within the banking/credit institution known as Cross Country Bank and they called me to tell me that I didn't have that coverage. I said I had been paying them all along for it, and it showed on all my bill statements as a charge, and they said, well, people from New york State aren't qualified for that option, and they don't know how I got it, and that it didn't make any difference. I was told I owed them money, and they were going to get it by any means necessary.
They began a long campaign of harassment with phone calls, day and night, but eventually they gave up, because I told them, We are settled up, because the amount you were taking from me in the end, ended up being more than I should have paid, and they said I owed them the maximum my card was allowed, which was $500.00 plus interest, and I said, I figured out that whatever you think I owe you now, has already been paid in full by my monthly over charges based on your offer of coverage should I become unemployed or disabled in some way, and to be honest, based on my own calculations, you should be paying me back around $250.00 to which they denied, and said I still owed them money.
I'm not even sure if it's still active or not, them pursuing me for the amount, but I don't care, I just think they should be punished for their apparent and obvious fraud. I'm not sure if it's been too long to do anything about it, but I hope they suffer.
They ruined my credit, and my faith in other people.
James of Suffolk VA (06/02/08)
HORRIBLE MOVE.. Contracted for 2 days, showed one and I had to fight to get them back 3 days later to finish. Over-charged abd lied about weight. I could NEVER get teh official weight. Lost and damaged over $1500 of furniture and household. I have 50+ pics to prove it!
Denise of Smithfield KY (05/13/08)
I received a Cross Country Bank Card about 9 years ago. I bought a product with the card but later returned the product. I only had about a $300 limit and they have been haunting me for 9 years and say that I owe $4415.68. I've called the CC company and turned in a fraud complaint and still nothing. I just got a civil suit against me from Cross Country Bank. I do not know where to turn now. These people should not be allowed to do business. When I did call and ask that they send me an original bill showing me what I had ordered they could not produce anything, yet have the gall to now after 9 years take me to court.
they have harrassed me for 9 years now calling and being extremely rude. My husband has resulted to almost cussing them out because of the constant phone calls.
Deboray of Louisville KY (05/07/08)
a man called me saying i owe him money. threatening collections and or my credit. this is an account over ten years old open up by fraud. i settle this years ago. these people will not stop harrassing me. what do i do?
i dont know. the people are so rude i just hang up. i ask and they keep threatening you on the phone i dont even have an account number.
Charlene of Clinton MD (04/29/08)
on april 28, 2008 I received a letter stating I owe cross country bank an amount of 807.00 If I wanted to pay off the debt I could transfer 724.00 to another visa card that I am preapproved for and save 93.00 and consider the debt paid in full but I would receive a card with no amount until the transfer balance was paid off. I recently checked my credit looking for the account number they supplied me with an found no account or cross country bank on either statement from equifax, transunion or experian. What do I need to do because they said if I don't agree to the terms it would be put on my credit or file a judgement.
There has been no consequences or economic damage as of yet;just received the letter 1 day ago.
Gordon of Mesa AZ (04/03/08)
Constantly calling me to claim I owe the Cross Country Banks a Visa Card Debt from May 22, 2006. I have never charged anything to this bank and I have no idea of the debt she refers to. She first stated I owed $383.79. I think she is attempting to find out my credit card#. Could I block this call?
Annoyance to me.
Adrienne of Corona CA (02/19/08)
They were harassing me, and I found a lot of reports on here about them.
It appears there was a class action lawsuit, and I got a whopping 11 bucks for a settlement. Frankly, I'm just glad to get these jerks off my credit.
Susan of Dix Hills NY (02/16/08)
I had received a Cross Country Bank card about 7 or 8 years ago. I never got to use the card, yet now they are claiming that I have a balance of over $10,000. First of all, my credit limit was only $300 when I received the card. I had a credit limit negative of $40, after all of their fees.
This company needs to be stopped immediately. They are fraudulent and deceptive. I get at least four calls a day from these people, harassing me and my family. A few of them use foul language to my daughter who was only nine years old at the time. My credit is ruined, and I am very stressed. My children are now 11 and 7 and are subject to harassing phone calls day and night--even on Sundays and after 9 p.m. Who do these people think they are? This fraud should not be allowed!
Johnny of Paragould AR (02/13/08)
I was contacted by NCO Financial Services, for Cross Country Bank, in regards to a VISA card that I never had. NCO had no information for me and said I would need to send a letter if I wanted to dispute the claim that I owed money.
Gerald of N.richland Hls. TX (01/29/08)
In November of 2003 I obtained a Cross Country Bank visa card. Twice a month I will mail a money order of $200.00 off to my account, so I can make purchases ( gas and emergencies). In August of 2004 I got laid off my job. Immediately I called the bank and told them my situation and asked them to discontinue my card account, in which at that time there was a $13.00 balance. The representative said they cannot discontinue my account. I would have to send $200.00 which was my limit at that time or just send the minimum of $15.00. My reply was if I had $15.00 right now I would put food on the table for my children. So then I was charged the $15.00 membership fee, also a $30.00 late fee, and a $30.00 over the limited fee.
One year later I received a bill for $1500.00; six months later came a letter asking for a settlement for $700.00. At the time I asked to closed the account I owed for no purchases. If anything I'll pay $200.00.
Peter of South Lake Tahoe CA (01/24/08)
Had a Cross Country Credit Card in 1997 - 1998. Paid off the card in 2002. It's now 2008, and I have a collection agency trying to collect on that card. This ruins my credit!
This has caused stress; I'm 79 years old....
William of Omaha NE (01/20/08)
I have been sued by Cross Country Cank for a credit card I never owned, asked for or signed up for. I have gotted calls starting at 6:00 a.m. and going on untill 11:59 p.m. telling me that I need to pay up or that they will put a lien on my bank acct. When asked to show me my app. they can't find it or what I bought when I bought things etc,etc,etc. These people are in for a big fight with me if they think I'm going to just roll over and pay for something I never had.
Susan of Janesville WI (01/16/08)
I had both a Visa and Mastercard from Cross Country Bank at one time, in 2004. I sent them a payment of $400 and within a week they expected another payment of almost $300.. I called and asked if they received my $400 payment and they said they did. I told them no way could I make another huge payment like that. I am a single mom with six kids, on one income. I only took the credit cards out to help me raise my family and used them in times of need. They harrassed me by phone and mail mercilessly, finally taking me to court, trying to garnish my wages, unsuccessfully because I'm get state aid. I will never be able to pay this debt off, and I resent the harrassment I had from them for almost 2 years after the court date. There should be a punishment for creditors that harrass like that.
This resulted in a $2,107.90 amount that the court awarded them, and Cross Country Bank threatened that it would stay on my record for up to 20 years! Whatever happened to bills falling off after 7 years? I was very stressed and victimized by this company. My kids and I had harrassing phone calls twice a day for 2 years, even on Sundays at 9:00pm!
Mary of New Port Richey FL (01/11/08)
I am still being sent letters by collection agencies for a card I opened in 2001 and charged $17.00 which I paid off and was then charged in purchases (which I did not make) for approx. $300.00 and interest of approx $500.00 totaling over $1000.00. I applied for this card in 2001 in NY State. I also tried to cancel this card several times and they would not. I was constantly called on the phone. They have reported me to the credit bureau.
Kathleen of Magnolia TX (01/09/08)
I have never opened up a credit card with Cross Country bank. I am being harrassed by a collection agency called leading edge recovery systems. My pocketbook was stolen a month after I had a devistating total ankle fracture. I reported this to the credit bureaus now I am being threatened to pay over $1000.00 USD. I am disabled and unable to work. What do I do now? I never had a card with Cross country bank, someone stole my identity and now it is ruining my credit.
Paula of Rome GA (01/06/08)
I have a CCB card, and a charge was on there that I did not do. I called the number on the statement, and the company politely reimbursed me on the card; however the charge caused me to go over my limit which gave me an over the limit fee. I called CCB and let them know the situation, and the best they said they could do was to make a note of it but was not allowed to waive the fee. That is ridiculous.
The next month was also a late fee because the one before was not waived, and the amount that I could afford to pay was $5.00 off in order for it not to be over the limit. It has taken me three months to get my limit under control. And they refuse to work with me at all.
Diane of Pottsville PA (11/19/07)
Cross Country Bank offered me a credit card and said they would do a balance transfer for one of my debts. I later found out that the balance transfer never happened, and that Cross Country didn't pay the debt.
Today they are after me for the debt on the credit card, and I continue to get harassment calls from collection agencies. I showed them proof that the debt was never paid off, and it still continues today; they said it's my problem.
Rhonda of Clarksville TN (11/19/07)
I had a Cross Country Bank Card back in '98. When I called the Debt Solutions Company, they stated it was closed in '99. The credit limit was no more then $100.00, but after all their fees and what ever else they wanted to take out, I was left with $50.00 on the card. I used it once or twice for small items. I just received a letter stating I owe $807.55 ! What is going on? I would love for Cross Country Bank to contact me to tell me, or send me a statement showing all the transactions I did on that account that added up to $807.55.
Joey of Pecatonica IL (08/13/07)
I had a cross country credit card many years ago. Just like everyone else I received a credit card with nothing on it because they added all of their fees to my card and left me with nothing. I used it one time to buy winter coats for my kids and they actually called me to tell me that the purchase was no good and I had to pay the store I used it at the money I spent on the coats. No way, I used the credit card and it went through. None of it made sense. I got mad cancelled my card and paid my bill off some time later. That was 7-8 years ago. I just got a collection notice from Forst National Collection Bureau, Inc saying that I owe these stupid mothers $496.65. Hell No.
Allison of Pioneer CA (07/16/07)
I received a Cross Country card and had it for about 3 months when they started to hit me with late fees and over the limit fee and they increased their interest rate as well. I would set up automatic payments to them twice a month for three months at a time and they would still charge me with over the limit fees and late fees. They continued to call me every week wanting to know when I would be making my payments. This went on for over a year before I finally told them to stop calling me. They have continued to call and harass me and now they tell me they are taking me to court for the bill.
Jennifer of New Caney TX (04/04/07)
In 1996 I applied for the Cross Country Card and did not hear from them for several months so I thought I had been turned down. Then I receive a statement saying I owed them for application fee, and other charges. I called and let them know that I never received the card and they said they would check into it. They called me back and said that it had been returned by the post office because of wrong address. I tried to get them to correct the address and resend the card but they told me the only way to change the address was for me to send them my actual drivers license which I refused. I told them to cancel the card.
I used to get calls from the 7 to 10 times a day threatening me. I have over the years asked for verification of debt through the debt collectors and never received a reply back. I just today received another letter, which I called about and the rude man told me to just pay it. Apparently I was lying because the debt is still there. I want this resolved!
I am disabled due to ESRD, and have been since 2001. This constantly causes me stress which shows up physically. Any credit I get now is in the higher % rates and makes it hard for my husband and I to receive credit. I changed my phone number years ago so they do not call anymore but I still get letters that upset me completely. I am trying to clean up my credit, which has taken a hit since my disability.
Bernard of Raleigh NC (09/07/06)
Every since 2005 I have asked them to validate the debt they say that I owe. I have not recieved any legal information the the Fair Credit Act says that they to send to me. I have sent any letters and the were just ignored and my civil rights volated. They still went to court and got a judgement against me. Cross country bank has a number of class action suits against them for doing the same to other people.
Anita of Biloxi MS (09/02/06)
I received a visa credit card from Cross Country bank in 1996. Two years later I recieved a mastercard. I always made my payments on time. In March of 2001 I became unemployed. I called Cross Country Bank and informed them that I was unemployed. They told me that I needed to contact American General (AGI) regarding my unemployment insurance payments. I filed the necessary paperwork with AGI to get my insurance payments started. Meanwhile Cross Country bank called me every other day regarding my payments. I informed them that I was unemployed and could not make payments and that I had unemployment insurance.
They told me that I still had to make payments. I told them that I was not going to make any payments because I had the insurance that covered my unemployment. They told me that they did not care. I then told them to cancel both of my accounts immediately. I also wrote them a letter informing them to cancel both accounts. AGI paid my monthly payments for about a year and a half. They paid both accounts completely.
After Hurrican Katrina destroyed my apartment complex, I applied for a construction loan and was told that I had a charge-off for Applied Cards. I did not even know who Applied Card was at the time. I contacted them and they told me that they were formely Cross Country Bank. I told them that my credit cards with them were completely paid off. First they told me that they never received any money from AGI for my unemployment insurance. When I contacted AGI and had them to contact Applied Card then they suddenly remembered receiving the payments. Then they told me that there were charges on my account while my account was on hold. I informed them that that was impossible because my accounts were closed in May 2001. They told me that my account was never closed. I informed them that I had a copy of the letter that I sent to them requesting my accounts be closed and that I spoke to a rep about closing my account. They told me that they did not have any records of this because it was so long ago. I offered to pay them $500 for each account just to get my credit cleared so that I could have a place to live, they did not respond to my offer. I then informed them that I was not going to pay them any money to them at all.
This has caused me major credit problems. I either can not obtain the financing I need or the interest rate is high. Being that I live in Biloxi, Ms and I lost everything to Hurricane Katrina, it has been hard for me to obtain financing so that I can purchase a home and a car. Without this problem I would already be halfway done with building a house.
Angela of Waterbury CT (09/02/06)
I had cross country bank and in 2001, i got hurt on the job. I had insurance but when I realized i had insurance I was told that it was too late and that the insurance would not pay for me being out of work. I tried several attempts and no one would give me any information i needed to get this covered until i returned back to work.
My card was charged all of the late fees and charges and no one would talk to me to handle the situation.
Paul of Pasadena TX (05/30/06)
I called Cross Country Bank (CCB) before I was late with a payment. I had to call most of my creditors with the same problem. They told me there would be a late fee. I understood this. I made the late fee payment and the regular payment. No problem with any other creditor except CCB. For some reason they wanted to keep charging me late fees when I paid what they said I needed to pay. Well to keep this short, I made three payment plans with CCB to fix this problem. I finally let them take money from my checking account for four months just to clear up the mess and to keep my credit clean. Well they finally added enough fees to my account that it went into the over-the-limit fee rates.
This went on for a while...evrything I did that they said to do accomplished nothing. I finally told them that I wanted to pay for my purchases, but refused to pay them their outrageous fraudulant fees. They sent my account to a collection agency...I told them to sue me because I wanted a judge to see what their practices were, and for the judge to tell me what I owed. They told me they would sue and I would also have to pay their court costs. I said sue me. I want you to. Every time I got a harassesing phone call from them, I would say sue me...PLEASE sue me. They never did.
This all happened back in 1998 and 1999. Now as I am making a purchase recently a CCB charge off pops up on my credit. They did it again...one more plunge into my heart with their dagger. I would rather deal with bad credit then ever pay those (individuals) a penny, even if ift cleaned my record with them.
They are still hurting my credit score after years of not hearing anything from them.
Cindy of Knightdale NC (05/09/06)
I applied for a Master Card from CCB... They started sending me bills for the MC, but I never received the card. I called them, and they said they would cancel that card and resend a new one. I never received that one, and once again they said they would rectify this by canceling and resending another one. Well, I never ever received a MC, and I now have 3 Master Card accounts on my credit, which have been maxed out, and sent to collections. They called me at least 10 times a day for 4 months, and I explained the situation to their rude employees, about 50 times. I also wrote to their fraud department, and nothing ever got solved. I have disputed this on my credit with the credit agencies, and CCB claims they are legitemate charges... HOW???? I never got the MC.
Nancy of Linn Creek MO (04/18/06)
I also applied and got a cross country bank and then was laid off. I was making payments but I couldn't keep up with the overlimit and late charges. I started getting the phone calls at home at least a dozen a day and then when I went back to work they called me there even though I repeatedly told them not to. I received a notice from my bank for a bounced check because without my permission they tried to take 880.80 out and I didn't have enough in there. Thank God. I finally paid it off and this was in 1998.
Last month I recieved my credit report and they are still reporting this as a delinquent account and I am fighting the lies. Honestly I don't think I will ever win this battle. I don't want to call because their associates are rude and they try to get you mad so you might say something that could cause problems later. They really know how to work the system.
Teresa of Knoxville TN (04/12/06)
In 2001, I paid a charge off amount by phone with a collection agency called Applied Card Systems with Cross COuntry Bank. I have a copy of the cancelled check but now for the past 4 years I keep getting phone calls from another collection agency called Merchant Services and they are wanting to take me to court for a 900.00 bill for Cross Country bank. I am so frustrated at this company and I am getting ready to seek legal action against them. This is showing bad on my credit report and I am so furious at them.
This has caused me to be turned down by other creditors and caused me to have high interest rates and all I want if for them to remove it from my report and fix their mistake.
Kevin of Mount Holly NJ (04/10/06)
I paid off a charge off with this compaby a year ago and it is still on credit report as unpaid. I am being denied credit and have had to pay a slightly higher mortgage rate because of this.
Tifus of Wilmington DE (03/18/06)
I was offered a credit card from CCB back in 98. The original limit was $400. I paid all the proessing fees, the applications fees. After awhile I did not use the card. High interest rates. I stopped paying.. Now, 7yrs later, they have changed their name to applied credit card and says my original credit limit was $2000.00 I have disputed this on my credit report numerous times.
The company says all the information is correct. That's a lie. After filing one too many disputes against one company. the reporting agencies will not investigate anymore. CCB has been sued in several states, but, not in the state which I live. Now I am forced to file a small claims against CCB in which I will be glad to do so. Nasty is not the word for how the reps are that work for this company. I can't believe even after all these complaints and lawsuits, this company is still in business.
Sabrina of Sanford FL (03/08/06)
My husband got this credit card a long time again w/o my knowledge. When I found out I told him to cancel the card b'c of everything that all the fined print said(I actually read that stuff). He did not and they applied all of these charges until he was scared and overwhelmed. He still paid them. They called him at work and threatened to get him fired until he set up payments. Which he did and they withdrew more than we were told.
They call our house everyday starting at 7:30-8 am and don't stop until 9pm. Sometimes they call and hang up and recall over and over again for hours until I shut of fthe ringer. They leave messages that are threatening or are deceptive so that we might call it back b'c they don't leave the name or make it sound like we have won something. They don't have any compassion and are bullies when I talk to them.
I just did and in front of my 4 young children made me break down in tears b'c they were calling me a liar and saying they were taping the conversation and trying to turn my words and make me confused. They are threatening me and my children by saying that they don't matter to them they want their money. Maybe I won't have to worry about them (my kids) when we are sued and can't take care of them. How can this be legal? I thought they weren't allowed to legally call your workplace, my husband told them to stop.
Kelly of Rochelle IL (02/19/06)
I had a credit card with them and had ins. to cover payment if something happened and was unable to pay. I got pregnant and was put on strict bedrest due to complications and was unable to work and had no income. I called their customer service number I can't even remember how many times to get info on how to get the claim form for the ins. and kept getting the run around that they did not have the number or address for it so I asked how to get it then and no one would give any info on it well months passed and they kept calling for payment and harrassing saying that I needed to do more to make a payment and making rude remarks that implied that my unborn babys life was not more important than the debt I owed them and putting stress on me that I did not need.
Then I finally spoke to some one who gave me the info for the ins. I got the claim form and the ins kicked in and on top of that my dad starting helping me out and sending them payments and we had asked them to close the account and stop charging the $35/month late fee and the $35/month over the payment fee and interest rates and we would continue making payments on it to pay it off the person we spoke to about that said ok no problem and then later that night we recieved a phone call from another person saying they had no recollection of that and instead they were going to double the late fees and the overpayment fees and raise the interest rate to an outrageous amount, and that they could not close the account and they have now sent it to their collection agency and I have people calling asking if we are ghetto and refuse to stop calling and telling me I owe over a thousand dollars on it my credit limit was only about $250-$300.
I don't understand how it is legal that they kept the info on the ins. from me and how they are allowed to rack up my bill after we asked repeatedly to close the account and sent them more than the min. ballance and the ins. was paying the min. ballance plus all the harrassment I mean customer service is supposed to provide you with that kind of info and with all the rude remarks and extra stress from dealing with that lowered the chances of me losing my baby and that was 50-50 before all of that
David of Long Beach NY (02/08/06)
I have been in battle with Cross Country for YEARS now, and I am well aware of the current situation in NY of the unfair and deceptive practices. I don't even believe this information is on my credit report any longer. They have employed a law firm to file a judgement against me and want to garnish my bank accounts, and wages. I went through this once with Providian, and had the case dismissed after a long and difficult time. I do not want to go through this process again.
Lisa of Edgefield SC (01/30/06)
For 4 years I have been harassed by this Cross Country Bank-Visa people, by phone, by mail, and legal lawsuit papers. I am not the one they want, and I have told them that for 4 years now. I have contacted State Attorney Generals in three states to get this to stop. Am I going to have to sue them to leave me alone. I've never had a Visa, and never will.
How do they have the right to harrass someone, and they get ugly say I'm lying. They don't have my SSN or DOB, they just got my name out of a phone book apparently. They were stupid enough to actually give me the real Lisa's SSN and DOB. How can I get them off my back? I have a box full of mail, Lawsuit papers, phone logs for every single thing. It's Lawyer time I guess.
Stacy of Vineland NJ (01/27/06)
i had this card for more than a year and they began charging me a finance charge on cash advances that i never took. when i asked about it i was told that is what they call it but it is for the monthly member ship fee and other fees applied to the card.
Sabrina of Manchester NH (01/18/06)
I called them to get my minimum balance due to bring acct current. I made the payment online then found out later that it was $85.00 short so I was then charged another $60.00 for late fees and over the limit fees. I called them and they appologized and said that they would reverse the fees. I made my next payment less the late fees only to find out that the fees were never reversed, more had accrued and when I called I was told that I never spoke to anyone and that I was a liar.
I have not made a payment since and there are now over $500.00 in late fees and over the limit fees on the account. and $200.00 in finance charges. I was also told during one of the collections call that they had my bank info from the on-line payment and would take payment owed from my checking, which was not even my checking account, it was my boyfriends. They took a $58.00 payment out without permission.
Dorothy of Lynchburg VA (01/06/06)
I would never have known about it if I had been trying to purchase a new car. When the dealership ran my credit report there were two entries from Cross Country Bank. One was listed as a charge off and the other was listed as paid as agreed. I have never had but one of these accounts. I have never had two credit cards from this place. I wrote a letter asking to them to explain what account was a charge off. No response. Wrote a second letter and still no response. My first letter was written in July 2005.
Danny of San Antonio TN (12/04/05)
They said I owed $800. I settled for $400 which they said we would not owe them. We paid now they are saying they need the other $400.
Rebecca of Williamsville NY (11/25/05)
Cross Country Bank contacted me about a bill from Fingerhut. I could not make the large payment and they sold the account to Midland Credit Management who had their lawyers Cohen and Slamowitz contact me. I paid them in full, they said they would remove it from my credit record. I called when it was not removed in 30 days and filled a dispute. Now RJM Account Solutions is suing me for the same account. Cross Country Bank has changed their name to APPLIED CREDIT CARD and has filed a claim on my credit report.
Ada of Whitesburg KY (11/10/05)
In mid 2003 had colon surgery and stayed an extended time in the hospital, at which time I filed an insurance claim against cross country using the policy they sold me. I was told that the policy was invalid because the insurer did not cover the state of Kentucky. I then told cross country that the policy was invalid in my state and was told there was nothing they could do about it.
They refused to refund my money or deduct it from my account and refused to drop the insurance amount from my monthly bill. They then raised the rates and interest charges for overdue balance until it became so out of control that I a woman on disability could no longer afford to pay.
Anne of Minneapolis MN (10/26/05)
I have paid off my Cross Country Visa care balance in full many times - ranging in payments from $500 - $850. Every time I do, I have to wait at least 10 business days for it to post to my account - even though they debit my checking account 24 hours after I submit payment! Gaah!
Kristopher of Nampa ID (10/26/05)
Paid off balance in Dec./Jan. timeframe. They have charged me since then with a $50.00 annual fee for the card. Paid $80.00 in July timeframe for the annual fee and late fees, and now they are harrassing me for another $136.00 for late fees and interest. This is a vicious cycle that I cannot get out of. I have not used this card since last year and I don't believe I should owe a total of $210-220 for buying nothing.
Erica of Montgomery AL (10/24/05)
I am military and was overseas (Osan AB ROK) during the time of 9/11. At this time mail was not only slow but almost non existant. I worked 17 hour shifts and going to retrieve mail was not an option. The air force provided a standard letter for members to give to their creditors for late and non payment. I provided the letter and as soon as I was able cleared things with the company monetarily...so I thought.
I now have a 30/60 day late on my credit report and I have asked that these things be taken off and they have denied the request several times. I have been a member since 1999 and the only late payments I've ever had was 9/01 and 10/01...I don't want the money it cost to reinstate the card, I just want my credit back!
Patricia of Tampa FL (10/21/05)
Cross Country Bank began increasing my monthly payments to the extent that I could no longer pay even the minimum requirement. I tried several times to make arrangements but even after I had made special payment arrangements the phone calls kept coming. The people who called sounded like criminals, they would threatened and offer deals. Two hours later someone else would call and the whole thing started all over again. Sometimes there were over a dozen a day.
My only phone was a cell phone so the charges on my phone bill were also adding up. I explained this to a couple of the people who kept calling. These phone calls were more than just bill collectors, these people were frightening. Their tone was not that of a business person but of a bunch of psychopaths. I even sent a letter explaining that I could not longer receive calls on the number they had. They continued to call. They then threated to call my employer, and garnish my wages.
Judy of Valley Center KS (10/18/05)
I paid my credit card balance in full ($495) on 10/6/05 by internet. I left for Hawaii the next day, believing Cross Country Bank would credit my accout within 24-48 hours. When it was not credited by the 10th, I called and was told that it is their policy hold such payments for 5 days. I could see that the payment had been electronically debited from my checking accout, and told the rep that. She informed me that there was nothing she could do, and that my credit would be available on the 12th. I also discovered that a charge had been added to my account, even though I had paid it off, and was not able to use it.
On October 12, my credit was still not available, so I called again. I was told that the first person had told me wrong, that they had the right to hold my credit available for 12 days. She told me that if I would arrange a conference call with a manager at my local bank to verify that the payment had been made, she would release my card from hold. I asked to speak to a supervisor, who told me the same thing. It is now the 18th, I still don't have credit for my payment, and they have had payment since the 10th of October. What good is a credit card if they can cash your check and put a hold on your credit for two weeks out of the month? I have never been late on a payment, and have never bounced a check to this company.
Jason of Killeen TX (10/06/05)
I am an active duty soldier in the army. Due to the time i spend in the field and my upcoming deployment to Iraq, i pay all my bills with automatic draft through Am South Bank. It's easy, they send a check for, in this case $20 more than the min due, at least five days prior to the due date. So far I have had no issue. Until I went to NTC and coming out of the field I had a voicemail from CCB. It was their collections department. So I called and they informed me I was over $80 past due. I explained that I had auto pay and would need to contact the bank and access the internet to try and straighten it out, at which point they told me I had until the next week to pay or I would receive ANOTHER $32 late fee.
I explained I did not have access to the internet due to deployment with the army, however if they could PLEASE just hold the issue until I returned home in a week I wanted to fix it, they told me i could pay now, or I would be assessed another fee. But if I pay now they will give me the COURTESY of removing one late fee. I got off the phone with them, called my bank (rather upset), at which point I was informed that the check was sent out on time. So now if my bank isn't able to fix it within 48 hours of me getting home i have to pay the fees, which will just be deducted from my balance should it be proven that they where at fault. Not even a refund.
What am I supposed to do if this happens and I am overseas?
Barbara of Corvallis OR (09/30/05)
I have had a $500 limit on this card for over a year. I actually threw the card away a year ago. I make regular payments of way over the amount due..they somehow keep giving me a late fee which always takes me over the limit and then they assess an over limit fee and I can never get it down. Ive been reading tons of emails aobut complaining about this bankcard and see the same complaints I have.
Tulon of Corinth MS (09/17/05)
I received the credit card from Cross Country Bank and waited about 6 weeks before I called and activated it. I received a statement with interest charges retroactive back to the time of application. Then they did not send another statement for at least 3 months. They tacked on several overdue fees and started constantly calling day and night 7 days a week. The people were very rude that I spoke to. It did no good to try to reason with them. I would negotiate a deal with one, then another person would call and it was back to square one. They also sent out many threatening letters about how they were going to destroy my credit.
Kimberly of Elmont NY (09/13/05)
I opened a Cross Country Credit Card back in 1997 with a $ 400.00 Credit Limit. The company started charging all kinds of outrageous fees and I paid the account in full and closed the account. I started getting letters saying I owed them hundredds of dollars in fees and at this time the fees are up to $ 1,500.00. The attorney's for Cross Country Bank Rubin & Rothman have issued a judgement and froze my checking account at Chase Bank.
The statute of limitations since the card was paid off is nearing and the bank is trying to collect the fraudulent fees I went on Consumer Affairs and found an unbelievable article about Cross Country Bank's Fraudulent practices. I can't believe they are still in business and the Attorney General has not shut them down.
James of Stockdale, TX, writes:
I am active duty military. I was to go overseas on a 1-year remote tour to Korea. To ensure my bills would be paid on time from such a distance, I signed up with Money Management International (MMI). One monthly withdrawal from my check by them and then they would turn around and pay my bills for me.
Right after I got to Korea I received notification that my account at Cross Country Bank was overlimit and past due. The reason that this had occured was simply that Cross Country Bank had taken it upon themselves to change my due date of my bill from the 24th of every month to the 12th. In doing this, they simply ensured that my payment from MMI would never be received on time.
Worst of all, when I called Customer Service (long distance from Korea), I asked them to change my due date back to the original later date. I was then told, "Sir, the due date may only be changed one time per year at request." I replied, "Okay, well then make this mine ... please change my due date back."
They told me they couldn't do that because that one time change had already been done. It turned out that Cross Country Bank decided it was in my best interest to make my due date approximately 2 weeks earlier than it was before. They would not let me change it, and MMI was consistenly late with every payment because of it.
I have now racked up in excess of $700 dollars in late and over-limit fees due to the snowball affect. I have written letters and talked with countless individuals about this to no solution. Empty promises. I have virtually written off my credit rating due to this company now.
Jim of Chatsworth, CA, writes:
This operation signs you up for a credit card, then bills you a "registration" fee and starts the hassle with your home and work telephone (42 calls logged to my home in April 2000) and 13 calls on Easter Sunday! No one cared at Cross-Country, they said "maybe this will teach you a lesson.
I have filed a $5,000 lawsuit in Small Claims Court for undue harrassment and have contacted several other victims of this low-life bank and we are now seeking a law firm to file a multi-million dollar class-action against Cross-Country Bank as well as the City Council and Mayor's offices in Boca Raton, FL and Wilmington, DE as these Government offices have ignored numerous consumer complaints.
The State Attorneys General in both states as well as California have been notified and sent documentation to provide for a full investigation into Cross Country Bank.
If every consumer would take renegades like this to Small Claims Court, this kind of nonsense would soon fade away.
Karen of Boyds, MD, writes:
In Dec. 99 I applied for a credit card. I received the card,
and soon after I received the bill. It included a $100 app. fee
that I was not aware of. I asked them to send me a copy and
it never arrived. I argued with no success so I paid the card
off and canceled the acct.
In Feb. I received another bill w/
some membership fee that I did not order. It included finance
charges for this membership fee as well as $1.62 for the $100
I sent them for the application fee. I got that canceled (so
I thought).
Now, in March, I received another
bill for $7.25. I called again and they said this was owed and
that I needed to write a letter to the disputes dept. I told
him that if they cleared this off and closed the account officially,
I would not contact BBB or consumer credit. He refused. So I'm
desperately asking for your help. There is no "body" I can talk
to at this company nor is there any competent help to assist
you.
I've lost my $100.00 plus alot of
money in long distance calls to their company along w/ the agrivation
of all of this. I'm not trying to resolve this professionally,
but the company doesn't care about its customers. I am a single
mom trying to build my credit and what I thought would be a
perfect opportunity to achieve this, turned out to be a nightmare.
Karen needs to write a certified,
return-receipt-requested letter to the bank demanding a full
credit. If she doesn't get it within 30 days, she could sue
the bank in Small
Claims Court.
Joe of Coeur d'Alene, ID, writes:
I applied to Cross Country Bank for a credit card which I
never received. Then five or six months later I got a recorded
message to call this number, I called the number but none
of the recorded options allow you to talk to someone and asks
for an account number which I didn't have. Finally I gave
up.
A couple of weeks later,after several more of the irritating
recorded messages, I was contacted by a live person about
my delinquent account.
After telling them I never received a card, they said they
would mark it and take care of it. I received a second call
a couple of months later and they said I had a $10 balance.
I explained it to them and they transferred me to someone
who said they would close the account. I recently got a credit
report,which shows I had a Cross Country account for like
9 months with one month being 30 days delinquent. Nobody needs
a credit card bad enough to deal with these people.
David of West Haven, CT, writes:
Recently, I entered a debt consolidation program through
Goldstar Financial Systems, Inc. Goldstar,on my behalf submitted
two proposals, the first being rejected. The second was approved.
Part of the second proposal included waiving all late fees
and any past due amounts.
Unfortunately, they still continue to bill even after they
agreed to the terms of the proposal in the first place. I
suffer from severe chronic depression and anxiety, for which
I am being treated. In addition, my credit report reflects
the repercussions of Cross Country's actions.
A.P. of San Antonio, TX, writes:
I gave a $392 payment using the pay by phone option thinking
this would be the quickest way for me and the bank to post
the payment to my account. Little did I know that anything
over $300 does not post for 9-11 days, which I think is outrageous.
After numerous long distance calls (at my expense) to Customer
Service, trying to resolve this, during a week and a half
time span, I got absolutely no-where. I was told to have the
bank send a fax verifying the money had cleared the account.
This resulted in several more calls with excuses such as (The
fax was sent to the wrong fax #, re-faxed, still wrong).
I even went up the chain of command to Customer Services
Supervisor who had my bank fax the info to his personal fax.
The excuse now was (the fax is not coming through, received
only cover sheet, had to leave before fax came through, when
he came in on Monday a.m., fax still not there, even though
my bank assured me the fax processed successfully.)
I spent several dollars in long distance calls, not to mention
the fee for the pay-by-phone option. This created a very difficult
hardship for me as I used up all my money to pay off the bill
thinking I would be able to use my card after the 48 hours
I thought it would take to post to my account. Not to mention,
the helplessness you feel when you call someone for help and
no one can help you.
Rick of Tustin, CA, writes:
I had a credit card issued to me by Cross Country Bank.
I was contacted by their collection department when I had
missed my payment date in June of 1999.
At that time I was told I could make a payment by phone.
That sounded convenient and they assured me the payment method
was safe and secure. My wife had her check book handy so she
agreed to run it through her account.
The next month Augest 24, 1999 they made an unauthorized
transfer of $500. I called Washingto Mutual Bank, my wife's
bank, and they told us that they would take the complaint
under advisement and we could expect to hear from them by
Feburary 2000.
From August to Novermber I was contacted an the average of
9 times a week by Cross Country's collection department, each
time explaining to them the situation. After tree months,
in the middle of November an Cross Country's agent finally
took the time to explain to me that I needed to write a letter
to the complaint department and he gave me an address.
I told them they could keep the $500 and would resume my
payments if the would waive the $50 reinstatement fee to reactivate
my card and pay the returned check charges that had resulted
from this action. Thier responce was to waive the reinstatement
fee and suggest that I take the letter they sent me to the
my bank and the payee's bank and Cross Country assured me
that their letter would motivate the banks involved to remove
my returned check charge.
Three days later I got a phone call for another Cross Country
Bank collection agent and he ask me when I was going to make
good my $900 credit card debit. I told him that was a lot
of interest on a $200 balance. His reply was, "you made
one payment last June and you wrote us a check that was returned
to your bank in August". At that point I called up Washington
Mutual Bank (and learned that the check had not been returned).
I feel as thought they are increasing my debit so they can
write me off. By the way, one of my friends called me the
other day and told me Cross Country Bank just did the same
thing to him.
Jason writes:
I am currently active duty military and I am residing
overseas. Due to this fact I am unable to receive my bills
here, so they must be sent to my father and then he must mail
them to me. I then am receiving my mail very late and my payments
are unable to made on time.
Being in the military there is an Act called the Soldiers
and Sailors Act that claims that all military living overseas
are exempt from paying any late fees due to the mailing system.
Now prior to my leaving the US I notified Cross Country and
they verified that all was well with them on sending all my
bills to me at my current address. When my card expired and
I notified them that I have not received the new one, I was
informed that they cancelled my account due to the fact that
they wouldn't send my new card overseas.
So in order for me to reestablish my account I had to change
my address to my fathers. Now I am trying to balance a way
that I am able to use my card and not be hit with these late
fees that are totally unnecessary. This leads me to where
i am today, with a card that basically does me no good because
by the time I receive the bill it is past its due date and
they temporarily put a hold on it until payment is received.
We have consistently notified them due to this situation
and nothing has been compensated for this mess nor have we
had anyone trying to work with us. I am trying to reestablish
my credit and I thought that this was a way for me. I now
realized that this has not helped me but just made things
worse.
We have roughly accumulated an average of twenty-five dollars
a month since June 1 of 1997. This has caused financial strain
on myself, my family and not to mention my military career.
I have incurred high phone bills due to the fact that being
overseas and calling the states from here is very expensive,
I had fallen behind on many bills trying to accommodate for
the fees that were charged to me for a situation that was
out of my control.
Gerald of Harrison, ME, writes:
I used this company's so-called automated payment system
on the 30th of October. I posted a check in the amount of
$396 to my account, plus a $5 fee for using this service.
On October 31st, the automated phone system was reporting
reciept of this payment, and my credit limit was stated at
$240.
I used the card on the first of November in the amount of
$41.29 with no problems; however on the 2nd, I attempted to
use $50 with this card and was declined.
According to the automated system at this time, my available
credit was -$234. I called their customer service department
and was informed that there is a 12 day "hold" on
all automated payments over $300. I was not notified at the
time I placed the automated payment that by posting over $300
I would have to wait 12 days for this to be completed.
Now, they have an extra $5 for the fee, and several "overlimit"
charges of $27 each.
Leila of Ste. Therese writes:
I have a US$1300 debt with these folks. I moved to Canada
last year. They are charging me late fees, are not sending
me statements to my address despite five calls long distance
to them, explaining that the address they are sending my statement
to doesn' t exist.
They have cashed a check that cleared three months later
from my bank, which they will not acknowledge and even though
I send them payments, they are still calling me sometimes
five times a day requesting a long distance call back.
I have written, sent payments, and still it goes on. I am
wondering if I send payments, will I just lose my money and
my credit?
Cassandra of Palm Bay, FL, writes:
Credit card company calling to ask for payment and my
husband told the man he is not allowed to have any personal
calls coming in and the man told him, "Listen you SOB,
I will keep calling you unitl you lose your job!" He
also called one of my husband's emoloyees a pain in the ass.
My husband is under a lot of mental and physical stress already
due to his job load and myself, his wife. with a back disablity
and the added tension from these people is causing severe
stress and frustation.
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