Small Claims Guide Class Actions Lemon Laws FAQ Newsletters
|
|
NEWS
RECALLS
COMPLAINT FORM
SCAM ALERTS
RESOURCES
Small Claims Guide Class Actions Lemon Laws FAQ Newsletters |
Share |
| Automotive Education Employment Electronics Family Finance Health Homeowners Insurance Pets Shopping Travel |
 Print This  Email This
|
|
|
|
FINANCE:
Annuities |
Banks |
Credit Cards |
Debt Collection |
Debt Counseling |
Insurance |
Investing |
Loans |
Mortgages |
Payday Loans |
Student Loans |
Tax Prep
|
Applied Card Bank |
|||||||||||
|
Brigitta of las vegas, NV October 31, 2009 I applied for the card in 2004 paid on time even payed the account in full over the years. In 2009 my husband was called to serve time in the military (IRAQ)he is the sole provider for our family due to my disability. I called in May 2009 to request my husband to be added to be an authorized card user and do the company honor the statuary rate of 6%. The rep said the company honors the rate and that she was sending out the form for him to be added and they will change the rate from 30% to 6% and all i have to do is fax or mail the documents with a copy of orders showing his deployment date. So i did what i was told called back again because i havent heard anything months and months go by finally i got a manager to actually speak to me (the reps are good for hanging up and stating there boss is not in the office) she stated she recieved the documents and they have to approve my husband but it was in the process of review. so i took it upon myself to fax the documents again no response. August 20 i receive a letter stating this monthly fee of 15.00 so I closed the account and sent it threw the post office over night,I didnt receive a letter stating they closed my account out so i called again about my husband being added still no progress. I called today I spoke with a Jim he said they denied my husband on September 15 due to the account being closed. I explained why would it take so long for them to deny a cardholder and why did they wait till September to deny the him. Jim stated I sent my paperwork in On May and they never received the documents. Well if thats true then why do you have a rejection letter on my husband on September 15. They couldnt get there story right,they couldnt explain why the delay. There response was that they mailed the letter out several times and I never responded.I have the proof of the letter that I sent to them the first time. I believe they know they made a mistake and just refuse to help my situation.Now my husband is over in IRAQ fighting for our country and they told me there is nothing they could do to help. I guess im stuck paying 30% apr rate instead of what the government issues to military family serving in the war which is a 6% rate for the entire time of deployment. Jessica of Valley Village, CA October 3, 2009 Ever since I received my Applied Credit card I knew that this company was a little off. I have held this card for several years and have never been able to take advantage of my "insurance" that I pay for every month of pennies on the dollar of my balance. This "insurance" is supposed to protect you during times of unemployment or if you fall sick, From my understanding they will take over your payments if you ever lose your job or if you cannot afford to make payments. Of course I enrolled in this program in order to protect my credit and payed for it willingly every month. A couple of years ago, I needed to take advantage of this program that I pay for. I called Applied bank and they referred me to another 1-800 number that I needed to call in order to enroll and take advantage. So I call the number, had a breif interview with an agent and they said some documentation would arrive in the mail that I needed to fill out and return to the with a signature. The paperwork never came and I was scrounging up money in order to pay Applied. They called me everyday, several times a day ( Upwards of 20 starting at home at approximately 8:15 in the morning sometimes calling me up until 9 pm on both my cell phone and my home phone). When people called to ask for payments, they were RUDE and yelled at me and made me feel as if this bank was run by the mafia and I was the next hit if I didn't pay. I continued to call the "Insurance" 800 number to try to get them to take over my payments. However, I could never get enrolled in the service I paid for because I would never receive this paper work that They said I needed to fill out. Eventually, the fees that they charged me nearly doubled my balance due and needed to take a loan from friends and family in order to pay them so that they would stop calling me and the harassment would stop. (One agent even said that they would cease all of my bank accounts and take what money they needed even if I didn't pay. Which I know that they can do, but I was trying my best in order to pay, kept in contact with them, So I knew that they probably had no reason to go that far, but the fact that a rep would even have the audacity to say something like that really irked me). Eventually, I got into better times and was able to keep my payments going and everything was fine. I still never got the paper work from that "insurance" company and probably racked in hundreds of dollars in fees, but, I made it through. Flash forward to Oct 2008. I get laid off due to downsizing. (I worked for a land devlopment company). I had a savings this time and was able to make payments for a while. Then my savings ran out, and was only living on unemployment checks. Which as someone with half a brain knows, pretty much after you pay rent and put food in your mouth, there is barely enough left for anything else. So I contact Applied again, and try to enroll in this mystery "insurance" plan that I pay for and nothing. Again they said the paperwork would be coming, NOTHING. No paperwork. And here we go again. Because I cannot take advantage of a service that is supposed to give me piece of mind because they won't send this paperwork that I need to fill out, I am going to go through this again. I would try to consolodate but as a letter that I received on 09/14/2009 stated, and I quote, " You have probably heard the numerous Radio & Television Advertisements whereby the listener is assured that all their credit card balances owed may be settled for pennis on the dollar. THat is NOT our practice at applied bank. We will NOT work with a debt settlement company and we do not settle for pennies on the doallar." The letter then goes on to tell me that they have a great program to help me get out of my past due status. I am fully aware that I am past due. I know that My circumstances has caused my paying late and skipping payments because i needed to eat and stay alive. I have already Apologized to Applied for my need to eat. But, Now they are back to the harassment and have tried calling me at ALL OF MY PAST EMPLOYERS offices to get me on the phone. They call my cell phone so many times a day I need to charge the phone every night due to their calls. They are again calling me at 8:15 every morning. And I am STILL trying to enroll in my "insurance program" that I pay up to 15.00 a month for and cannot get any one to send me the g-dang paperwork. THey are draining me of life, I have not had a prblem like this with any of my other card companies. I have been in touch with them, they are all very nice and cordial, no problems, they are kind and curteous. Applied bank must train their Reps in hell because they are all evil and nasty. Mehgan of DENVER, CO September 25, 2009 I have received 11 calls from this company in 3 days calling for someone else. I have called them three seperate times, and also informed two people calling that they have the wrong number. I still continue to get phone calls from them asking for someone else. It is simply very annoying and aggravating that I keep continually getting phone calls when I've already informed them five times that they have the wrong number. Amber of Anza, CA September 23, 2009 I was promised this card within two weeks of my cash deposit transfer to Applied Bank. Over 45 days later I finally got a card. The stress of it was that like many Americans trying to establish or re- establish credit, I don't have a large income. So the card is used for day-to-day expenses and bills that must be paid on time. I happen to be moving during this process, and the card was to be used for moving expenses. I had to delay my move while I waited for the card to arrive. The experience gets worse. I fell behind over the summer and was not able to make the full amount on the card for two months. I have incurred close to 100 in fees per month because of this. Monthly I was charged 32 for both a late fee and an over limit fee. That's 62 total PLUS Finance and Interest chargers. In tandem, I have been receiving in upwards of 13 phone calls a day from India, on behalf of Applied Bank demanding payment. I made arrangements in early September to pay the whole amount due- 265 by the end of September and stated I would close the card. The calls still came, again- most commonly 13 times a day! I called Applied Bank to inform/complain/reiterate my arrangement with them. I spoke with Shauna. She let me know that I would continue to get the calls unless I, HER CUSTOMER, wrote a Cease and Desist Letter to Applied Bank. I wrote the letter and still get the calls. I have kept a concise log of the calls. Below is the letter I wrote. Please feel feel to use or pass along the format. Be sure to send it certified. If the company fails to discontinue harassment, the Federal Trade Commission will get involved. I paid the card off today and canceled the account. They have verified that they have the funds. I have a ZERO balance and I AM STILL GETTING CALLS! I plan to follow-up with as many agencies that I can. Twice, I informed your representatives of my intentions to make good on this account. On or about September 5, 2009, I made a payment arrangement and promise to your company. When the harassment continued, I spoke with another representative on or about September 10, 2009. I continue to be harassed. I receive no less than 4 phone calls a day and in excess of 13 phone calls a day. Of the 70 plus phone calls I have received during the time of September 5-15, 2009, I have spoken to a representative no less than 10 times. I have been left no more than 3 messages. Bobbie of jacksonville , FL September 15, 2009 I can not get them to work with me. I payed them and they didnt register payments and charged me a over the limit fee and that set me in a tail spin and i cant pay.now it is over a thousand and I cant afford to pay it and I requested several months ago to stop the card and i would pay it off and the refused unless I pay it all off at once which I cant afford to do and They will still charge me for it like it was active if i shut it down and every month on top of over the limit fees and late fees they are charing me about 25 in account matincee fees.I am futher in debt and I cannot escape it. And they want work with me. Elizabeth of Grapevine, TX September 12, 2009 I have never done business with Applied Bank, and have never had any sort of delinquent account anywhere, but this has not stopped their collections department from constantly harassing me. Apparently, a cell phone number that I have been using for years has been connected with numerous delinquent accounts in their collections database. I get up to 6 or 7 calls a day asking to speak to a variety of different people whom I have never met. Each time, I've told them to that I do not know this person, and to remove my number from the record. Each time, they say it will be done within 48 hours, but the calls continue. I've asked to speak to the supervisor, and have asked to have my number purged from the database, as I have no connection to the bank at all. Again, I am told that it will be done in 48 hours, which of course, I do not believe at this point. Richard of Santa Monica, CA September 8, 2009 I was out of town for the past three weeks and I paid my bill online. When I finally made it home I was informed that my annual fee of 35 is now a monthly service fee of 15 (180 annually) This is almost 20 percent of my credit limit. When I called customer service, they informed my that it was too late to reject these fees. I would never agree to such terms and would strongly recommend NOT using Applied Card Bank. Corinne of Calabasas, CA August 27, 2009 This is an account that was charged off...after that I paid the blanance in full, and even overpaid by 449.17. We realized in May 2009 that we were still paying that we had overpaid. Contacted Applied Card bank and was told that they would process a refund. It would take 6 weeks to process. OK so July 2009, I contacted them to ask where our refund was. Well, they aren't sure what happened, and yes we have overpaid and are owed the money. You need to write a letter and fax it to the Monitary Controls to get anything done. We recieved a check for 36.17 at the end of July. Contacted Applied card bank again. They are not sure why the amount is not correct, but someone will be calling me. Well today August 26, still no phone call. So I contacted them again. For some reason we are being charged for "Collection Fees" 412.50! The guy on the phone said he had been working for them for 4 1/2 years and dealing with charge off accounts for 2 1/2 years and he had NEVER seen a fee for "Collection Fees"! We want our money! We actually paid off the account and should receive the money owed to us. Bob of Centreville, VA August 19, 2009 My Applied Card Bank Visa Card is paid in full, and has been for approximately 4 or 5 months. Last June I paid the Annual fee of 70 (to which they automatically add some sort of cash advance fee.) Yesterday, August 18, I received a letter dated August 7 that Applied Card Bank is now dropping the 70 annual fee from their contract with me and replacing it with a 15 per month Monthly Maintenance Fee. They further stated that if I choose not to accept these new fees, I can cancel my account by sending them a letter to a PO Box. No where in the letter to me do they offer to refund any portion of the fee that I paid to Applied Card Bank in good faith just two months ago. I have spent over two hours on the telephone attempting to contact someone that works for Applied Card Bank. Their customer support line, which their web site claims is staffed from 8:00 AM to 8:00 PM only connects to a recording telling me what my account balance and available credit is. Having sent them payments through the mail, I know that they have a habit of letting mail pile up and then process the payments after the payment due date. All I really want is a real mailing address, so I can send Applied Card Bank a Registered Letter, and get a signed receipt proving that they received my letter that I canceled my account prior to their required date of August 27. Janeen of Tacoma, WA August 19, 2009 I just received a notice that Applied Bank will not be charging me an annual fee any more. Instead they are going to charge my account 15 fee every month starting in September and they raised my interest rate to 29.99%. I have been a customer for several years and have always made more than the minimum payment and in some months paid the whole amount. I can't get any satisfaction from Applied because their call center is in a foriegn country which makes it impossible to get any where. Advertisement
| ||||||||||
