Applied Card Bank

Applied Bank agreed to settle a 6-year-old credit card account in which the balance was $700. They faxed me the pay for deletion, saying if I pay $490, they would consider the account settled and remove it from my credit report. Instead, they updated the account as a charge off and left a balance of $210. So it lowered my credit score by 40 points. They didn't honor the agreement!

After discovering the $15/month fee could not and would not be erased, I decided to cancel the card. I also quickly discovered how impossible it is to make actual contact with a real person. The automated phone system is a joke. I have never tried to use such a worthless system, nothing but round and round with recording and no way to get through to a real person. Also it is almost impossible to make contact on line.

I paid off the balance well in advance of the due date and actually requested ahead of time if there may be some other charges so I could include with the last payment. There was no response at all. Now, I get another statement stating a finance charge of $2 plus the monthly fee of $15. The next day, I get a letter stating account has been closed per my request but there may be some "residual charges".

'0' balance! How do I get a $2 finance charge? And because of this charge, they add the monthly fee! Are you kidding me? I have never tried to work with such a ridiculously inept company! Do not do business with applied bank - is my advise to all. There are companies out there that do want the business, have the customer service to support you and even with this economy you can afford to do business with.

I applied for an authorized user card, even though it is the same account, I was charged $30.00 fee since this time. I have requested that this card be cancelled immediately and my account be adjusted to reflect this. This bill has been paid down considerably and no credit increases have been initiated or any other adjustments. I intend to pay it off and cancel it. This is the worst, you cannot get anyone by phone, it is just a rotating phone system when you get to talk to no one and cannot contact them through email or anything. This is one big mess!

I am not receiving paper statements. I am being charged for my monthly online access however, suddenly, I cannot view the statements online so I have no statements now. When I requested copies, they are charging me $3 per copy. I have made multiple calls to them about the inability to access website areas and not receiving statements. They're answer is, "We cannot help you with that." I requested the supervisor to call and discuss the account problems but the call was never received. I am charged for online payment processing fees when I could not see the statement online.

Their interest and fees pushed over my credit limit. I have never authorized them to exceed my limit amount. Since the fees put me over the limit, they charge me monthly with over limit fees but since I am not receiving the information, I am also charged monthly late fees as well. When I complained, they said they are allowed to charge over limit and late fees however they wish.

I paid my credit card bill 1 week in advance after paying their ridiculous $6.95 fee to process an online check to pay. Other fee is $10.95 to use a debit card having a positive account standing I may add. They took over a week to post my account making it negative because they can't process customer's payments on time. Now correct me if I'm wrong but a customer who pays a week in advance shouldn't be treated in such a way. They basically took $57.96 and ran with it only crediting my account $9 of the $66.96 I paid. Did I mention I paid a week in advance and never used the card! Their fees are scandalous, either $6.95 or $10.95 to process a payment plus monthly fees plus % fees. Are these people loan sharks?

I spoke to a customer service person after 20 minutes of artificial computers speaking and she assured me that I was not to have a negative account and everything would be okay because they put my account at -$2 after paying my bill a week in advance. My company gets charged $30 a month to process payments. These guys are for a lack of better words scamming people for payment fees and taking forever to process and post them to your account making you late even if you pay a week in advance! On an end note, I paid my bill on the 2nd and they had money in hand by the 5th and my bill wasn't due until the 6th. If my account is not credited, the money that was stolen on fraudulent late fees they tried to impose on me and I have proof that I paid early, I will contact a lawyer and file a credit card fraud charges against this company.

I despise this company. In addition to the monthly $15 "maintenance fee" imposed recently which is probably barely legal, and the fact that on the 31st day I was late with a payment (though I have an excellent payment history), they have been telephoning me at least once a day. Today it was twice even though I told the first guy the full monthly payment would be made in five days! It's nothing but harassment and the $15 is a scam if you ask me. I wish I could pay the whole balance off and cancel this card!

Americans are under the impression, for some reason, that the Better Business Bureau is a government entity which keeps track of businesses for the safety of the consumer. In fact, the BBB is paid by the companies for good ratings and makes all profits from these businesses, none from the consumer, so you can see why many of these ratings are false, or at the least, lean towards favorable ratings for the companies.

This so-called bank (Applied Bank) can not seem to process any transaction for the record, even with full collateral. In fact, they have every conceivable excuse of why they can not complete a transaction, but none are legitimate. When you apply for an account, they ACH your funds right away, but good luck getting your money back, even if you cancel the account. For me, once they took the funds from my checking account, there was no justifiable reason for why it would take months to get the account (secured credit card) set up. I didn't even have bad credit, I just don't trust the credit card industry so I figured, "what could go wrong with a 100% secured card?"

With Applied Bank, everything. They claim that it is a long drawn out process to get your account set up and the credit card issued for all of their customers. And that's after they have your deposit and have had it for quite some time. There is no place in the written policy which expresses this.

This company states that I have an account that I never had ownership of. I learned of this from my credit report. I filed a dispute and they never obtained the information, but keep reporting a derogatory account.

In the beginning, I wanted my account to be debited each month so that I did not miss a payment because I know that applied bank will charge a huge late fee. Well, I set up the automatic draft and each month the payment was deducted. After 6 months worth of deduction applied bank stopped. I assumed that they were taking the money out, but then I received a phone called 5 days after my payment and was told that a late fee was added and I needed to pay. The rep was rude. I told them i couldn't afford it and the lady laugh! So rude.

After being a good customer for several years, I am being charge $15 month annual fee. That is $180 a year by the way! And 29.99% interest. I called to have these changed and they refused, stating a business policy. It this is their business policy, then consumers should not use their product. I cancelled my card and will take my 700+ credit score somewhere else.

Let me start by saying that this account is new. Since the opening of this account, all payments have been made prior to due dates and paid in full. One payment was returned in the amount of $125.00 due to a processing issue on my bank's end. However, the payment cleared within a day of it being returned. Also, at the same time, a payment of $400.18 was made and cleared immediately. So, I checked my account and it reflects a current balance but the credit availability is $125.00 overdrawn.

I called Customer Service to inquire. I was told that since I had one payment of $125.00 returned, a hold was placed on my funds for 10 to 14 days. I explained to them that it wouldn't work for me since I had an emergency that involved a sick child. I explained that the funds have cleared and that my bank can and will verify that information. One customer service rep was just rude. Another thought it was funny. I was asked for my bank's phone number. I gave it to them and was put on hold for about 10 minutes. The rep returned and said that a supervisor will call me back. When I asked how long, the answer was, "I'm not sure."

I then proceeded to call the corporate offices. There was some back and forth. A supervisor finally did call me back to tell me that they can't release the funds due to the one returned item. When asked if I could have my bank send over verification of payment, I was told no. When asked if they would be willing to conference in the bank via phone, I was told no. Then, I was told that if I want my credit/funds available to me within 48 to 72 hours, I would need to make a payment via guaranteed funds (e.g. debit card, Western Union or MoneyGram).

I finally contacted corporate offices. Again, I was very irate and was transferred to the Asst. V.P. of Customer Service. In short, after explaining my circumstances to her, she did go above and beyond to assist me. Not only was she pleasant, she was understanding. She herself did a conference call with my bank and verified that the payments were cleared. She explained that this was a one-time courtesy, but understood my circumstances. She managed to have part of my funds released which was helpful.

First of all, they held funds from me to use. They stated to me it's company policy to do that when payment is late. I explained to them on 12/13 that I mailed in the payment on 12/6! They held payments to charge late fees to the account. Applied Bank is a scam bank or better yet ** bank! It's a secured bank! Meaning, I secure funds. They stopped the usage of my card without being overdrawn, then add fees to close my account. My payment to my knowledge has never been late. It was due on the 12/10. Then I explained to the company that the weather could have played a factor. So I took a loss and closed the account ASAP.

I opened a secured credit card account with Applied Bank Card around September 2009. At that time I was told after 6 months to 1 year, the account would be upgraded to an unsecured credit card.

Well, I called to confirm this after over 18 months of continuous on-time payments only to have a customer service rep from Applied Bank tell me that my account will always remain a secured account and with no explanation as to why. When I explained to the rep what was told to me and I have the advertisement filed away stating it as well, he then asked me to fax over all papers and documents to the correspondence dept.

I told him this does not make any sense whatsoever and that I wanted to pay off the balance, close the account and mail me the check. He tried to stop me from closing the account, but I told him he leaves me no choice. And also for the entire 6 months, my on-time payments were not even being recorded to all 3 major credit bureaus after I ordered my reports!

I opened an account and funds were transferred from my bank account to Applied Bank to establish a security account for the credit line. For weeks I never received the credit card and I tried contacting Applied Bank by phone and e-mail. Customer Service is a joke and should be called customer disservice. The 3 e-mails I sent have yet to be answered.

The 10 or so calls I made resulted in nothing more than circular transfers without any ability to ever reach a person. I finally indicated the card was never received and this automatically linked me to what is an outside service bureau. They could do nothing more than report the incident and suggested I call Customer Service - which again resulted in nothing more than continuous transfers within the bank and never a person to speak with.

I was then charged $30 for a replacement card and no ability to speak with anyone about why this charge is made if no card was ever originally sent. I want to close the account, but cannot even figure out how to do this and how to get my money back. They are among the worst abusers of voice mail and poor on non-existent customer service. They need to be accountable for the inability to speak with anyone and not answer e-mails.

Bank is a joke! I applied for one of their secure cards and gave them my checking account and routing number for payment, but decided to cancel my application thanks to the horrendous reviews I was reading about them online.

Anyways, the next day they opened (Monday), I spoke to one of their ghetto call reps (Alexcia) who told me it would be cancelled. Yet they (Applied Bank) still took money out of my bank account two days later.

Oh, and each time I called Applied Bank to complain about the error, I got a looped message that kept saying their lines were busy and that I would be on hold for 5 minutes. Roughly 25 minutes later, I got through. Thanks to the French woman with an accent. I'm sure she had no idea what I was talking about! I'm unable to pay for food this pay period because Applied Bank has retained my funds.

First, I want to say that I understand that Applied Bank is in the business of helping people with bad credit. I have had my account with them for about 4 years. I have always been a good customer and made my payments on time. (so much so that they have increased my credit limit multiple times). Last year in August (2009), my husband lost his job due to lay-off and department shutdown. Due to our situation, I suddenly found that my salary wasn't enough to keep us ahead. I called my 4 credit card companies (one of which was Applied) and requested some assistance in attempting to prevent falling too far behind.

All of my other credit cards were very courteous, helpful, and understanding except Applied Bank. I ended up having to move due to the cost of living in the state where we were. I requested after falling behind 2 months of a way to get "current" with Applied. I was also told about a "re-aging" program that would "help" me. I did this program and paid nearly $700 to get my account current and actually $300+ below my credit limit. It was at this point that I was dismayed to find out that the card was showing "closed." I called Applied and was told that "you would have received a letter that it was to be closed." I explained that not only did I not receive a letter, but I was not informed of such when I was "offered" to get my account current through re-aging, fix my credit report, and avoid further fees. ($35 late fees, $35 over the limit, in addition to the 29.9% interest).

I decided that I would spend the 50% of my paychecks that I had been giving to Applied Bank to give to my other credit cards which had been more than understanding in working with me during the very hard time in our home. This was in June 2010. It is now October and my balance has again gone from approx $1450 to $2100+ since I stopped paying on my Applied Bank card.

I received on average approximately 15-20 calls per day from Applied customer service/collections. Sometimes less than 5 minutes apart. I spoke with them today because I realized I was simply increasing the amount that they would get from me and once again have been offered the re-aging program. By the way, it does no good to write to them to request the waiver of fee. I did this also after falling behind the first month and explained the hardship my family was in and was sent a denial letter with no regard what-so-ever about what I had put in my letter. If you go through a problem, do not accept an offer with Applied Bank, you may only find yourself in a worse situation than you were in when they gave you their "un-refusable offer."

In short, I have been an applied card customer since ~2005. My account was closed in June due to some life circumstances: I was working at sea in April so I had a late payment, my account was then ~$50 delinquent when I made my normal payment amount 3 days late in April. I was unaware of this. I had a qualifying exam for my PhD exam the first week of June and my wedding was June 19th. I had tried to make phone payments during this time (as I had not received a current statement) and could never reach them because they operate on east coast time and I live in California.

When I returned from my honeymoon, I called to make a payment and was informed that my account was 33 days past due and had been closed. I then requested to talk to several supervisors and eventually spoke with Dan F. about the possibility of re-opening the account, he said he would investigate, several weeks later he left a message stating the account could not be re-opened. By this time, I was at sea again and then had to come in from sea 2 days early to fly back to Michigan with my husband for a family medical emergency.

We have now returned to CA and again today I called to try to make a payment in order to at least clear my negative credit reporting and they were "unable" to generate anything in writing that would acknowledge my negative credit reporting be cleared prior to making a payment. (Although in my opinion nothing should have been reported in the first place given that this circumstance should all be recorded in my file). After disconnecting from the customer service line and making certain all this was annotated. I called and left a message with Dan (of course the office was closed). I believe this companies business practices are illegal and morally reprehensible and they should be held accountable for their actions. Negative credit reporting and inflated charges to our debt.

My card is canceled for over a year and they charge me $15 maintenance fee every month. We are trying to finish paying but if they keep charging us every month the $15 maintenance fee, how are we going to finish?

To my dismay, I have just realized that I have increased service fees that I never agreed to and an increased interest rate of 29.99%. I contacted the credit card company inquiring about when I was going to be informed with this information regarding the raiseds in fees and interest, they "claimed" that a letter had been sent stating that it would take effect after February 22, 2010. I have never received such a letter. I have never been late on a payment and I have always paid more than my minimum payment due. There was no "legal" or "legitimate" reasoning behind this increase on my account.

Applied Bank made changes to my account without sending me any written notice or even a phone call. All my other credit cards ALWAYS send written notice of any changes to my credit card accounts.

I thought by law they we required to send written notice of any changes 30 days prior to said changes being made?

We have had a secured credit card with Applied Bank for a little over a year now. On March 10, we closed the account and asked that our deposit be returned to us. They told us it would take 30 days for our deposit to be returned, which we were not happy about but accepted and began the wait. When the 30 days was up, we called to see what was going on and if a check had been sent. We were told no, they could not send a check because we had closed our checking account that we had originally opened the account with and they needed verification that that account was closed from the bank. We have gotten that verification and faxed it to Applied Bank.

Now we get a call saying that the letter that we sent them from the bank is not good enough and we need another letter and our final statement showing the withdrawal of the money. We have been very kind, spent hours waiting as they put us on hold as they "review our account" then come back with no information and basically say they are sorry but there is nothing we can do. It has now been 2 months and we still have not seen a dime of our money.

At this point, I am believing we may never see our money again. You are never allowed to talk to a supervisor or manager at Applied Bank. They don't exist there as far as I can tell. The people we have spoken with have all been uneducated idiots. If there is ever a class action against this company, we will be the first in line! I believe this company to be a scam, even the manager at my bank has told me that their request is ridiculous and something sounds fishy.

I had a credit card with this company limit of $500. I canceled the card after my purse was stolen and notified them that I did not have the card and did not make over a $100 worth of purchases, only to be told there was nothing they can do I am responsible for the then $347 amount spent. I did use $197 which I have no problem paying. All I wanted is for it to be corrected. I even had the insurance they recommended but they informed me it was not valid for my situation. Now my balance with them is at $1900 because of all the ridiculous fees they tack on for everything, processing fees, late fees, filing fees, over limit fees.

Now, I am constantly being harassed by call, letters, emails way before and past legal hours on weekends and even holidays. I even tried to set up a payment plan that was suppose to bring my account to good standing which did not happen. They also stated it took a minimum first payment of $35 which they took a total of $197 from my account, not at all what was agreed on. It also overdrew my account and cost me fees from my bank as well as from them. I now have to screen my calls because the people calling will not stop and have had many of them being extremely rude telling me to shut up and listen or just yelling at me. So I no longer answer any correspondences from them.

I sent my monthly Applied Bank Credit Card through my banks automatic bill payment system, as I do ever single month. I scheduled the payment to arrive at Applied Bank a day prior to the due date. My bank sent them a check for $991.42 (the total amount due). Applied Bank held the check for 3 days and then put a block on my card, charged me a late fee and put a hold on the funds (they received a bank check not a personal check) for 10 days. So they have my money plus charge me a ridiculous late fee for funds they have had in their possession since the original due date.

I have always received poor customer service from this company, but this was the final straw for me. The customer service rep was rude, condescending and could have cared less about actually providing any customer service. I will be closing this card. I am out a late fee and have no access to my credit card for 12 days and counting.

Starting in December 2009, with the new credit card statement, I now get charge a $15.00 monthly fee. I didn't receive any notice of this change. Don't understand how they can just change terms like that.

Without notice this credit card company now charges me a monthly maintenance fee of $15. I am told that this fee is to cover the bank charges when making payments; however, I am also charged a $6.95 charge with every payment I make online. Now, instead of paying $50 a year (annual fee) I am paying $180 a year for all the monthly maintenance fees and then I am paying $83.40 just in fees to be able to pay online.

This is a breech of my original contract. And I now want to cancel the card without paying additional fees and I am told that if I cancel the card, I will incur additional charges as well each month. This is just another way of getting consumer's money. Then on my billing statement they say if I pay the minimum payment that it will take me 4 years to pay it off. Well, my minimum payment is $59 but underneath that it says if I pay $53 a month, it will take me 3 years to pay it off. Hello, $59 is more than $53. So now they have put incorrect figures on my bill to ensure I cannot pay it off early.

I opened a secured credit card in the amount of $300.00 with Applied Bank in September 2009. I was issued a card in October 2009. I enjoyed using the card. But on December 31, 2009, my card was closed. According to the Customer Service, my account was closed for non-payment. I found this to be inaccurate.

I was then speaking to a Customer Service representative who refused to give her name and said that the account was closed due to the economy and since the account was still new and was past due, the company wanted to cut its losses and close the account. I have never heard of such nonsense with a credit card-issuing company before, so after an hour of back and forth disputing, I agreed the account should be closed and I requested my security deposit back.

The request was made on December 31, 2009, and I was told that the check would be sent out February 2, 2010, as the checks were cut and sent in batches, again this is per the representative. I checked the status of the supposedly mailed check on February 2, 2010, and I was told that the check was sent out to me on January 27, 2010. This was a bit confusing, but I didn't make a fuse as long as I was getting my money returned to me.

Then I was told the amount I would be receiving back was in the amount of $199.48 due to a remaining balance of $101.00. As of date March 9, 2010, I have not received my check.

This organization has been giving me every other excuse in the book but not my check. I have received all correspondence, even a final bill from this establishment but not my check. I have tried to consistently follow up with Customer Service to have a simple $199.42 returned to me, but it seemed all I get is excuses. And now, I was told that before I can be issued another check, they must wait 30 days to see if the other check has been cleared by the bank.

I am not satisfied with this answer and have been placed on hold and given the runaround. I have viewed blogs on the company, and its service. It seems to me that I am not the only one complaining about the same issue. I have enclosed this information for their review, and in addition, I have filed a complaint with the Better Business Bureau, the Federal Trade Commission and the State of California Attorney General.

My next move will be to consult with an attorney for assistance in recoupment of funds that belong to me and any additional court cost and attorney fees. I have been going back and forth with this issue since December 2009; it does not take a legitimate institution 3 months to return payment, even if there's a canceled check in the process.

Applied Bank has charged me excess fees for services and a late fee for a payment that I had already made, and it refused to make any adjustments to my account. I have made many calls to their service center to no avail. All I got was the runaround. I have asked to speak to a supervisor, only to be promised that one would return my call, which of course never happened. I feel that this company purposely manipulates customers' accounts in order to make money by charging excess fees.

The company authorized a purchase that was a few dollars over my credit limit and charged me a $32.00 over limit fee. I thought the credit card companies won't authorize a purchase if it's over the credit limit. I also made a payment online through my checking account which was input onto their web page. Unfortunately, I left out one number out of 16 that was on my account that caused a problem with payment on my account.

I caught the mistake the next day, one week before the payment was due. I called the service center to inform them of the mistake. I was told that the electronic check would be processed twice and that I would be charged a fee for the returned check. I asked them to withdraw the electronic check and that I would pay by debit card. I was told that it was too late to do anything about it. I then closed my account and had my deposit applied to my balance and was charged another late fee, even though I closed my account before the due date.

I have informed this bank via phone/fax/letters, sending 2 pieces of discarded cards back to them, as I am not satisfied with the amount $32.00 debted in spite of sending payment on time. This was done in the first week of February 2010 when they kindly credited my $13.00 plus wrongly debited $32.00. Total amounts to $45.00, and closed my account.

Since writing so many letters/fax, this bank did not reply. This bank has no email also. This bank has to be put into a black list, as it does not see the interest of their customer. I have warned earlier that if you did not close my account, I shall complain against you; and hence, this email.

Today, I found this bank has demanded $18.81 amount due and payable by me in spite of refund of $13.00 plus $32.00. Now this bank has to earn $18.81 from me. My account position was in the February 2010 total credit $250.00. I spent $215.00; credit was $45.00. This bank debited $32.00 late fees and kept $13.00 credit for 30 days.

My all correspondence were discarded credit card, this bank gave no reply. And now online, this bank demand $18.81. I am ready to pay $18.81 as a charity, and this bank tender apology. Kindly let me have your reply. taking time to write reply. Phoned for no good reason. In my opinion, this bank should have worked for the benefits of the customer as other banks work.

This is the complaint that I filed with the Delaware Commissioner of charted banks: I would like to make a formal complaint against one of the banks chartered in Delaware. On February 26, 2010 I submitted an application for a secured credit card and authorized a $500 debit from my Bank of America checking account. This debit was processed on my bank account on that date. After making several telephone calls to Applied Bank to check on the status of my application, I was repeatedly given vague time frame answers-- it was what customer service representatives give customers when they are too lazy or not well trained.

Yesterday, March 09, 2010, I received the same type of vague answer with respect to the status of my application. Out of frustration with this bank, I requested that the application be cancelled and that my initial $500 deposited be returned to my Bank of America checking account through ACH from which it came initially. I was told that this would take 30 days to process. I objected and requested that it be returned immediately.

Today, I spoke with an supervisor, Darlene id#:FBS, who repeated the same line that the return of my $500 deposit would take 30 days. Again, I protested and requested that it be returned immediately. I would like your assistance in this matter; for it is difficult for me to believe that a state regulatory body with allow such an abusive practice from a chartered bank in your state. Thanks.

Applied Bank is a big scam. I only did business with them for there months and have to cancel my card. I have been waiting for my deposit back for two months. Every time I call, I would get the runaround. It seem like there's nothing I can do. It's all up to them and that's the sad part. They are quick to take the money, but slow to return it! I may never get my money back.

I have never dealt with a company as bad as Applied Bank. They have very poor customer service. I have had this card for three plus years and I have lousy customer service for those three years. I recently put in a few disputes with the BBB, Better Business Bureau. They started taking money out of my bank account without my authorization. I called and asked them why they started doing this and they said that they had authorization from me. I asked them to prove it as I never authorized these transactions and they said that it would take a week to get the taped phone call from India. I waited three weeks and they sent me a letter stating that it was confirmed and that I authorized the transactions.

I called them and sent them certified letters asking for a copy of the tape and they told me that they could not give me a copy of that. I am not sure what the laws are about this but I have a feeling that they could not produce a tape at all. This all happened three months ago. I told them that when this was going on that I would not pay them a dime of my hard earned money if they were not going to work with me resolving this issue. Now, it has been four months and my bill has now doubled in size because of the fees.

To make a long story short, I would not recommend this company to my worst enemies. They are crooks and they should be closed because they don't care about the customer and that is their business. So don't do business with them.

I, too, have been getting phone calls after another from people over in India. I have had my card for over 9 years. One day I started getting all types of charges over the limited fees and late charges. I had a balance that was $1000.00 that went to over $2000.00. I tried paying the balance, but it seems every month it gets bigger. Just last month, I paid them $256.00. They tried to tell me that the check didn't go through.

I wish someone can do something about them because my balance should have been paid out according to my records. I don't know what to do. All I want is for all the fees they have put on this account to be taken off so that I may be able to pay off this account and I can work on getting my credit back in good standing and the phone calls at work to stop. The harassment has gotten so bad my blood pressure is getting out of control. I can barely pay my mortgage and I'm in fear of losing everything, due to the bill getting higher and higher.

Applied bank was authorized to debit my credit card for amount of $25 instead they took $251.95 without my approval plus late fees. I am very upset. I am going to my bank to protest the charges. Several check have come back because of overdrawn. My SSI is only $600 per month. They did me in.

I was charged a monthly maintenance fee on 1/1/10 as per the new terms and conditions. However, the new terms and conditions do not state that an over the limit fee will be charged if the monthly maintenance fee causes a balance to go over the limit. When I was charged, my account went over the limit by $1.50. My billing cycle closes on 1/13/10. By then, I had made a payment which lowered my balance (including the monthly fee) well under my limit.

However, I was charged with an over the limit fee of $32.00. I contacted Applied Bank and was told that anytime your account goes over the limit, a fee is charged. When I pointed out to the rep that this is not stated anywhere in the "new agreement," I was told that I had to pay the fee. Again, I informed her that this is not in the agreement, she again ignored me and said for me to pay the fee.

I asked her to explain how and why the monthly fee is not applied at the end of the cycle. Again, she refused to answer and gave the same answer, "You have to pay the fee." I have no problem paying an over the limit fee if I am over the limit at the end of the cycle; however, I was not. This fee of $32.00 is unjustified and unfair banking.

I went online to pay my bill and noticed a monthly maintenance charge of 15.00. I looked back ar previous statement and found it started 3 months ago. i never received any correspondence about this happening. It is not right to try and stick it to you every month. I would like to get my extra money back but not sure how. Is it legal to charge without letting you know there is extra monthly maintenance fees?

I talked to Patricia and she gave me a buy out option that I took...two months later the check as cleared and I have been turned over to a collection agency...

I paid $2100 electronically to Applied Bank in error. Although the account now has a credit balance on it - Applied Bank will not let him use the card nor have then refunded my money. I have dealt with them several times. After they received the payment of $2100 on an account that was paid in full at the time - they put a hold on the account. They never bothered to contact Robert as to why.

When he used his card he was declined. Sandra's supervisor told me that I could take a cash advance to get my $2100 and pay the penalties and finance charges and take it as a "lesson learned". I was was told I would have my money in 3-5 business days and the manager would "expedite it". The same guy that thinks I should be punished!

When you call Applied Bank you cannot speak to the people who process the payment reversals - you can only fax them and they do not call you back. Applied Bank is the worst company I have ever dealt with. They take people's money and won't give it back. They sent a letter saying they tried contacting us but did not hear from us which is WRONG. I have called them multiple times and so has Robert.

I was late on my mortgage payment and now will be late on other bills. We were unable to buy our groceries the night we tried to use the card because they put a stop on the card even though it was over paid $1900!

When I was told I would now pay 14.00 per month to have there card I called and canceled. I paid the balance due and was hit with two monthly fees plus what they call interest on this fee. I called again and good luck trying to get to customer service! Because I could not get through it has now cost me another 20.00 in interest. So I paid all fees and interest to close this account with a company who needs to be looked at by our consumer affair. This company is charging outrageous fees. Will you help us customers?

I had a card with Applied Bank. My life partner had a heart attack and I had to pay medical bills for him and got behind. Not proud of it but it happened. My balance was then $350. After three months of being behind and due to excessive charges by the bank, it was in excess of $500. It was then that I received the Banks letters coded R31 and R51. In those letters, it stated that if I made three reaging payments in a row, which I made arrangements and did, that my account would be brought current and the delinquency would be removed from my credit. My experience at Chase and Alliance Data taught me the value of such programs and I was glad for the chance.

Having worked in the industry for years, I called to try to get it straightened out and your operator, in India, refused to help. The quote was So what, we got your money. That is all we care about. They refused to give me to a supervisor or to give me a stateside contact. I tried to call in five times. After that, to be honest, I determined that I would pay whomever Applied Bank sold the account to for collections but not one more penny would go to Applied Bank and your Indian operations. After all, we had medical bills.

4. They have refused to give their name when calling.Your staff can usually, but not always, speak English well but they are still clearly in India.
5. When I told them that I was going to contact the Indiana Attorney General, I was told Your Attorney cant do anything to us.
6. I have asked for a stateside contact on numerous occasions and have always been refused (an FDCPA violation).

7. Three times now, they have claimed to be lawyers and needed to switch me to a senior lawyer who turned out to be a collections supervisor (an FDCPA violation).

9. When they kept calling one after the other when I was in a meeting at work, I left the room to answer and told them I was in a meeting and could not talk at that time and ended the call. They started calling back again and again and called more than 40 times in a row within ten minutes while I was in the meeting. As I have to leave the phone on for business purposes, my boss actually told me that if it happened again that I was in danger of losing my job (an FDCPA violation and legally actionable).

12. In addition, they have used numerous caller ID blocked phone numbers to try to escape tracking for illegal calls but screwed up as one of their numbers comes through because they forgot to program the final digit into the blocking software. I have confirmed this by answering each of these numbers at one time or another (an FDCPA violation).

14. I am fully aware of the class action lawsuits against your company that have recently been settled in West Virginia and Pennsylvania.

Is it any wonder that I have determined to not pay this bill? As a matter of fact, I am considering not just turning this over to the Indiana Attorney Generals Office but also the Federal Trade Commission.

I look forward to hearing from your company as to how you will correct this situation. If I do not talk to a stateside contact in the next 30 days, I will forward the necessary forms to the Indiana Attorney Generals office. I will also contact one of the lawyers in the class action lawsuits.

I had a secured credit card in the amount of $500 with this bank. In October 2009 I closed the account. At the time the account was closed there was a balance of $508.00. The savings account in the amount of $500 which was used to secure the credit card was applied to the balance of $508 which left a balance of $8 or so I thought. I got a statement in the mail with $15.10 for Avis Rent A Car for charges which occurred 5 months earlier, then Applied Bank added a $32 late charge, $32 over the limit charge (AFTER THE ACCOUNT WAS CLOSED) and then they charged me $50 for renewing the credit card (AFTER THE ACCOUNT WAS CLOSED) and then they added a $32 charge for me disputing the unknown Avis charge, then they added another $32 over the limit fee AFTER THE ACCOOUNT WAS CLOSED AND THERE WAS NO "LIMIT" ... Now the balance went from $8 to $170 simply by closing the account!

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.

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.

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.

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 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.

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 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.

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.

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.

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.

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.

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.)

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.

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.

I was approved for a card by this company and was making payments no problems untill I was medically injured by a doctor. In November 2008 I accepted to a payment plan of $50.00 a month for 6 months and there would be no finance or late payments on my account. Well all of a sudden the amount started going up instead of down.

I had called in to move my Feb payment to make 2 payments in March due to I was diagnosed with Breast tumors. They told me it was not a problem to move it and would not affect my payments. I indeed kept my payments like I would and paid the $50.00 every month for 6 months. When I found out they were charging me they completely lied to me on the phone to where I went and wrote a letter to Customer Care. This has yet to be settled.

In July 09 I spoke with a man (of indian accent) who told me he would take care of everything and that customer care would be in touch with me. I went ahead and authorized another payment of $65.95 to be withdrawn from my account. Once again I still haven't been called by Customer Care and now I am receiving Harrassing phone calls. A total of 30 calls in 4 days is just ridiculous. The one call I took they wanted me to pay the outstanding charges. I told them to get "bent" and that I was disputing them and I was reporting them for Fraud.

I haven't even started business with them yet and they have already been very rude. I haven't gotten the small deposit into my account yet and I was guessing that there must be a problem so I called to see what the next step should be. I got this total ass on the phone who sounded aggravated that I was even asking my question. I applied for the card on 7/31/2009 and I'm pretty sure that I should've gotten the deposit by now but since they won't help me get past that point, I will take my business some place else.

I signed up for a secured credit card with a very small limit of $200. I eventually got behind on payments and was assessed late and over-the-limit fees. Fair enough. Then I called to make a payment of $320 to zero out my account and re-enable my card.

Recently I tried to use the card, and credit was denied. Their website says that I still owe $233. There are no charges on my statement to justify a payment due of that amount.

I tried to call, and I can only get an automated system. I do not owe this money. There is nothing on my statement to reflect my current balance. This is very poor policy, and in the event that Applied Bank continues to charge fees on a fictitious balance, it is also robbery. $433 in damages. This includes the missing account balance of $200 and an expected payment of $233.

i was paying them 48.00 per month and was not late with any payment. then starting in may they put my payment up to 123.00 per month. i ask them why my payment went up and could not give me an answer other than you have to pay the new amount. i told them i could not pay this amount becaused my wife and i are both disabled. he told me too bad. i told him go to hell and i wont pay and i havent and i will not pay

I applied for a secured credit card on or about 7/13/09. I cancelled the application on 7/16/09.

During the application process, I gave them my checking account number and routing number. On their website it says the application process would not continue unless I verified a small amount ( .04 cents, in my case). They went ahead and withdrew the $700 from my account that I was going to secure the credit card with before my verifiying my checking account. Now they say I won't receive a refund for 30 days. I have called the bank several times and they flat out state this is how long the process takes, even though I have cancelled the application. Also, no where does it state this in their Terms and Conditions that it takes any refunds this long to process.

I am being called by these people on an everyday bascis and it is not nice they call me at work and home they sound like indian people and i don't owe these people any money my credit cards was paid off many years ago an i have never had a credit card since 1998. they said they was going to make my credit report look bad. when i asked them on the phone what did i purchase on the credit card they could not tell me. and when i get a statement in the mail it dosn't tell me what i owe money for. or what i purchased on this so called credit card.

I had told them I would pay them the same amt of $ each month and that they keep calling us 2-3 month and then either my wife or my self has to go over the same routine every time. Plus, these people that call are not even American,so that sometimes they cannot understand me & I cannot understand them. This time they wanted to tell me that they would take money out of my bank acct. automatically & I said "no, I will send you a check like usual. By the way I am on SSDI.

I waited two weeks after receiving their authorized online offer to receive the secured credit card. One day after I had used Money Gram Express to wire funds to this company there was a problem. Of course I didn't find this out until after calling three days after the initial transaction to verify receipt of the Money Gram.

THERE WAS NEVER AN ACCOUNT CREATED. The number that is given is was not even a number of any account, and it is NOT a credit card number. It is only a reference number used to match up the incoming funds with a request. Even though you may have been approved for an account, an account is never created (at least for the majority). There have been some of the outsourced personnel that stated "there was a letter sent to you by mail regarding the problem."

I responded "NO bank would send a letter to a customer that something was wrong with their account in this case." I then stated "how was the company going to reference the account? So far there was only a transaction of me wiring this company funds." The personnel grieved, and I was referred to another. At that time I requested to process a refund. I was then explained that it would take 30 days to process the refund. At a week later from the initial transaction I was thinking "Why would a bank need 30 days to process a refund...IT'S A BANK!"

So I called back and verified the processing of the refund. This was an excellent conversation because you certainly learn that this company IS NOT A BANK! I explained that my main reason for calling is to have someone explain to me what process is needed that it takes 30 days to process a refund. It was explained that "I would receive a check in the mail." I returned fire and stated "it would NEVER take in person on THIS planet 30 days to receive an item by mail." I then asked "now what is the 30 days for... when this company is supposed to be a bank?"

It was explained that "the PROCESSING of the refund would take 30 days, then a check would be mailed out." I stated "this is great...it went from 30 days to 60 days because it would take 10 business days beyond the 30 days to receive the check provided that something else doesn't become an issue." I then asked "what kind of check takes a BANK 30 days to write and mail?" There was no response, and at that moment there was no since in waiting for something that no longer existed.

But I did ask this "supervisor" one last question: If an account was never created, where is the money?" The supervisor responded "the money is here we can see it." So I said "okay why is this company sitting on my money when a refund was requested?" At that point the script started over...

They have the incorrect phone in their database for a customer. I keep getting calls asking for another person. Each time I tell them to fix the database that they call the wrong person. Still they keep calling me. I don't even have an account with the bank either. Add to that the no call list I am on now and the fact they woke me up this morning.

I was making monthly payments of $35.00 to applied bank every month on the 30th. for the month of November 2008 i called applied bank to make a phone payment before my due date also asking them not to take the money out of my account because the funds weren't avaliable. i was told that there would be no need to withdraw the funds because i was making that payment on the phone i was also told that i was removed from the program that allowed them to withdraw money from my accoutn.

just to be sure i called back about an hour after that conversation and spoke with a different rep. i asked them if they recieved my payment and i also confirmed that they will not be taking money out my account. i was told at this time that my payment was sucessful and that they hed no intentions on taking any money out of my account. that following month my bank account was closed due to NSF fee's. i contacted my bank and they informed me that applied bank had ran my account, not once but three times. my bank charged me a $33.00 NSF fee for each time applied bank attempted to withdraw money from my account.

my bank told me i had to contact applied bank so i did and they asked for letters from my bank they also told me they listened to the recording where there reps. told me they wouldnt charge my account and they did it any way. they said if i send in the letters they would give me mt money back and they have had me on the run around every since. i have spoke to applied bank numeious times getting no where. they have even hung up in my face. all i want is for them to give me the $99.00 NSF fee's so i can settle it with my bank. my bank account was closed and the balance was placed n my credit because with out the $99.00 they owe me i cant afford to pay my bank off.(WAMU)

I was making monthly payments of $35.00 to applied bank every month on the 30th. for the month of November 2008 i called applied bank to make a phone payment before my due date also asking them not to take the money out of my account because the funds weren't avaliable. i was told that there would be no need to withdraw the funds because i was making that payment on the phone. i was also told that i was removed from the program that allowed them to withdraw money from my accoutn.

just to be sure i called back about an hour after that conversation and spoke with a different rep. i asked them if they recieved my payment and i also confirmed that they will not be taking money out my account. i was told at this time that my payment was sucessful and that they hed no intentions on taking any money out of my account.

that following month my bank account was closed due to NSF fee's. i contacted my bank and they informed me that applied bank had ran my account, not once but three times. my bank charged me a $33.00 NSF fee for each time applied bank attempted to withdraw money from my account. my bank told me i had to contact applied bank so i did and they asked for letters from my bank. they also told me they listened to the recording where there reps. told me they wouldnt charge my account and they did it any way.

they said if i send in the letters they would give me mt money back and they have had me on the run around every since. i have spoke to applied bank numeious times getting no where. they have even hung up in my face. all i want is for them to give me the $99.00 NSF fee's so i can settle it with my bank. my bank account was closed and the balance was placed n my credit because with out the $99.00 they owe me i cant afford to pay my bank off.(WAMU)

i then decided to cancel and was told it would take 30 days for the cancel request to be processed. none of this info was given at the beginning. this money was needed to pay bills which were put on hold until the card arrived.

To begin with this credit card is the only one that does not have a toll free number. It cost you a long distance fee to call them. On may 23 I had my wallet stolen in which I called all credit card companies and cancelled them to include applied card. Because my banking information was compromized the bank issued me a new account number, everything would automatically transer over for the first 60 days from the old # to the new # to which is key because I had already set up auto drafts for my credit card payments. Every CC auto draft came out except for Applied. I looked online and I had been accessed a 30.0 return check fee, 35.00 late fee, which cause it to have an over limit of 35.00 but they also charged me the 6.95 to make a payment on-line. My bank shows no attempt from Applied to process my payment. (got the letter from the bank) I call the soooo very rude Customer Service and they will not accept disputes over the phone Everything has to be in writting. No one will make this right!!!

Applied Bank has been calling for 4 years for someone that has not had this number. I finally got a number out of one those idiots. I told them for the past 4 years to remove my number. So today after i cursed them out for the hundredth time. I call them back. They claim it takes 48 hours to remove the number. Wrong because they are still calling. I will report them for harassment at the BBB and other authorities. Enough is enough. I do know that they are outsource to India. They use American Names (saw it on a Documentary last month)

Every day, 9 - 12 times a day this place calls and says Miss S---? - Hello, Miss S---? then hangs up - there is no such person here, jusy two people who are not in the best of health

I had opened a secured credit card through Applied Bank in December of 2008 and provided the necessary $300 for the available credit. I never used the card. Applied Bank had direct access to my personal bank checking account information and in February of 2009, my checking account was compromised with fraudulent charges. I felt that it was compromised through Applied Bank for numerous reasons.

I immediately cancelled my Applied Bank credit card and had to cancel my checking account and re-open another checking account with my bank. I have left several messages for Applied Bank to reimburse me the $300. I finally spoke with a very rude representative last week and she told me that they needed my new checking account information to reimburse me. I told her that I refused to give Applied Bank that information and requested that they mail me a money order or certified check. I spoke again to Applied Bank this morning and I was told that they would not be able to reimburse me without my new checking account information. I told her that I needed this in writing in a letter.

I am so frustrated! They are treating ME like I am the criminal, when they are stealing from me!

Repeated robo calls to my phone which is on the national Do-Not-Call registry. I have never done business with, nor contacted this company. The message states it is about my account with Applied Bank, which is a falsehood, as I have no account with them.

I made a payment on 4/16/09 to bring my account below the credit limit. Received an email on 5/13/09 telling me my account was past due with the usual fees. However I have not even received a statement for May yet. My billing cycle closes on the 9th of every month so how can I be past due four days later ?

I have applied for a secured credit card and had $1,000 withdrawn from my account to deposit with applied bank. It has been over 5 weeks since they received that deposit and I still have not been issued the card. I am certain they used that money and invested it even if for a small gain. I attempted to call them numerous times and either get a answering machine or someone who speaks broken English. I still do not have the card and am not sure how to get my money back.

Here is the long and short of it. I have never been late with Applied Bank. I was sick for about 9 weeks starting in February and I called Applied Bank to let them know I would be late by about 3 days. They refused extra time. I checked my account online and found, before my payment was due, they applied their fees, that took me over my limit, then they charged me an over the limit fee. I called them to pay the bill and asked to have those charges removed. Seven calls and all I got was the Philippines. They refused to transfer me to the US. Finally I called a different number, talked to a woman who said they would NOT remove the charges as a courtesy and I stated. That before any money was to sent, I wanted a letter from them stating their refusal, a copy of my final bill as I wanted to close my account and DO NOT call me regarding this account. I wanted everything in writing.

I have received over 100 calls from 866-873-8592, 223-987-5200, in which area code 223 does not exist and from a Caller Unknown all of which are from Applied Bank.

This is Harassing and violates title 15 subsection 1692d.

after seeing about 20 calls a day on our calling ID I desided to answer this unknown call!!! "caller unknown". it was NARS collection agency they said, I supposely had an "applied Bank card" which they said was Cross country bank from 2001 that I owed 1,600 dollars too! I said I never had such a card, there repley was, yes you did and we want to know how you plan on resolving this citution? again I said no I did not have this credit card that you are speaking off, his repley to that was: we have your social sercurity number, name, address, so this is your debt. So I asked for proof, a statement from the credit card company, And what Items where charged on the card, Address of the credit card company, and phone number, He said he could not give me ANY OF THAT IMFORMATION!!!! My god if I owe like you say 1,600 then I have a right to that imformation. plus this account was opened he said in 2001 and closed in 2002! this is 2009, so is thier any statue of limitions? and calling at 6:am and as late as 12:pm, is thier no law for that? and to this date I have never ever gotten a statement from Cross Country or Applied Bank! who's protecting us the consumer from these credit card companys and collections agency's??? what can we do?

I signed up for an Applied Bank secured credit card because some places won't accept debit cards, for example, car rental agencies. I used my Applied Bank card to put a deposit down on the car, which I paid for with my ATM car upon my return. Hertz immediately took the "authorization for funds" off my car, and the money should have been returned to my account.

Apparently, no one told Applied Bank that they have to act like a credit card company. I explained to the customer service representative, then her supervisor, then his supervisor, who all explained that none of them have access to my account, and that I'd have to wait 14 days for my money to come back into my account.

I tried to explain to them that these are extraordinary circumstances for me because I have absolutley no access to any funds for the next 5 days other than what I still had on my card. That I couldn't get to work, nor could I purchase food unless they released the hold on my money which was already released and authorized by Hertz. They simply wished me luck not starving and in finding a new job.

I was trying to pay off a credit card. I started a new payment plan with the company applied bank card. One of their reps who was just trying to get money told me that if wanted to I could make my payment ahead of time that way I would not be late on any payments. I told the lady that I would make a payment over the phone for the month of November. I made another payment in November for the month of December and then at the end of December I rec'd a phone call saying you have not made a payment for December. Since I made the payment online I thought maybe the payment did not go through. I made an additional payment because it is very difficult to contact Applied Bank and find a rep that speaks English. I made an additional payment in January.

Then to find out after receiving another letter from applied bank I was behind on payments and additional late fees had been applied. I contacted customer service only to be transferred, hung up on, told someone would call me back, and then told to fax in my dispute. Every rep tells me that you can NOT make a payment ahead of time. Ok so I now realize that, but at the time a rep told me I could so I did. I am not going to make another payment until APPLIED BANK stands behind what their service reps tell the customer. I have talked to several different departments. I faxed two disputes in only to receive a $25.00 credit which did not cover the amount of fees that have been charged to the card. I never received an snwer to the 2nd dispute. None of the questions were answered.

Another rep called again only wanting money and making promises do not happen. This rep told me if I made a payment over the phone my monthly payment would be lowered to what it originally was under $40.00. Did that happen? NO! The amount due is now higher than before I started making all of the payments that total around $400.00. Every time a rep calls I explain the situation and I am transferred, hung up, or given a number that doesn't lead anywhere. I recently sent another complaint with a very detailed letter including the rep numbers and wanted a review done of the calls and the promises. I rec'd a letter back just telling me that payments can not be made a head of time. Which I have already learned that, but the rep from their company told me they would take the payments ahead of time.

Anyway, I had a call from a Collections department from Applied bank and I explained that I wasn't going to make a payment until the points in my letter were taken into consideration. This department transferred to the Customer Service department. The customer service department told me there was nothing they could do and they were sorry I was mis imformed. I told her no, that is not the way a company works, they need to stand behind what their employees tell you and they should review the complaint letter and respond to every point as requested. This customer service rep told me a manager would be getting back to me. It has been a week and I haven't received a call from a manager. I have only continued to receiving nasty calls from individuals that do not speak English.

The amounnt of the payment due has tripled and I now owe several hundred dollars more than what I started due to a representive of their company giving mis leading information. Not only once was I told something that wasn't true but three times people from this comapany have lied.

my pay when down i got the card with 400.00now is2272.21 ill pay the 400 not 2272.21 they call my job and i want taking off my cridit rort doreen gentle not good seller

I have asked several of times for them to send me a letter and signature card to prove that this is my debt. I do not have an account with these people and they have been reporting this to experian for seven years.. March of 2002 until present.... I would like this item removed at once and paid for this because it is messing with my score..

This one item has caused my score to go down and down and down....

I receive 7 call from applied bank everyday. They never say anything when the call, if I answer, or leave a blank message. Ten minutes ago I spoke to one of their pathetic agents, he wouldn't tell me his name or why he was calling, and said he needed Nancy. I googled the number, 866-873-8592, and it belong to Applied Bank. I attempted to send them an email, through their website, but they don't accept email. I hate them! Would somebody please stop them!

If they read this They need to state clearly their business on My voicemail. I dont want some confidential Matter I want something straight up. I have one other credit card and I am settling up with them Now So if you want to see any money from me Actually send something in the mail I dont want any horsin around.

Charged overlimit fees because they add their maintenanc fee and finance charge to previous balance before deducting monthly payment. Checked account on internet 4/8/09 in the morning balance $1103.53 with $35 overlimit fee because credit limit is $1100. Checked again the same day and my balance was $1117.47 because they added the maintenance fee $10.95 for May I think.

Called and spent 45 minutes on the phone to very rude people. Sent letter via Fax the next day and then got on this website and read all the complaint. There has to be some way the government can step in and get this to stop. The bank is a big rip off and will continue cheating us. We need to stick together and keep harrassing them as they do us. They referred to me by my last name, not addressing me as Mr. which I thought was very rude and not very professional. Good luck to all and let's get them.

They claimed I was late with there payment, so I logged onto there web site to verify my lateness, but low and behold they said my payment arrived the day before it was due....so I called them and told them this, and magically the dates was changed on their web site, showing I was last, so I refused to make the late payment of $35. Now this has accumulated to over $582.00 in 4 months, which I refuse to pay.

I have contacted the FTC because now they are calling me at least 10 times per day from outside the US. Ive tried answering a few of the calls at the begging, but I could not understand what they were saying and what country they were from. They could say and I understood they were form Applied Bank, thru there broken English. Contacted the FTC and filed a complaint about applied bank calling me excessively, They usually start around 8:30am and continue until about 12:00, then start again about 5:00 and continue until around 8:30pm, usually calling about 12/15 times per day, sometimes back to back to back, 3 calls in less than 1 minute.

I know they are distrubing me at all hours of the day, including weekends, buy constantly caslling me. And I am refusing to pay the arrears.

About ten days ago I received a call on my cell phone from an unknown creditor asking for a woman named Melisa or Mandy. I informed the man that no one by that name was here and hadn't been at that number for at least 10 years; the length of time that I have had my cell phone and my phone number. I was called again the next day by the same creditor, again I informed him that he had the wrong number and to stop calling me.

Two days later I again received a call from the same creditor. I told him again that he had the wrong number and to please stop calling me. Two days later he called again. I asked where he was calling from and he refused to acknowledge what company he represented. He then asked me my name and I told him that it wasn't relevant. This evening I received another call and had a female friend get on the phone to figure out who was calling. They Identified themselves as Jay B from Applied Bank. They were inquiring about a debt of 6oo some dollars for an account that ended in 6299. The five times that I mentioned were not the only times that they called, there are four missed calls by them since 3/18/09. I have no idea what this debt is and am extremely tired of being harassed, especially for a debt that is not mine.

They are eating up my minutes

My account has been open about two years. Thats when the nightmare began. I have hardly used this card in the last year and a half because for some reason I am always and I do mean always over my limit. When I have phoned and tried talking to someone I can understand and they can understand me, we get nowhere. I ask How can I be over my limit I have not used the card in over a year, I have made my payments on time. I have always paid more then the minimum due, maybe not a lot more but something. They said well you are over your limit thats why. I said ok so you told me that and I can see that on the bill what I dont understand is how did I get there when I do not use the card and why doesn't my balance ever go down below my limit?

The person I was talking to again said well you must pay and get your account in good standing and then we talk to you about it. They hung up on me. This has just been horrible trying to speak with someone who understands the english language and know what they're talking about in the banking business. I really don't think anyone exists in that category at Applied Bank. After reading a lot of these complaints isn't there something someone can do to stop these people from treating us as they are? We're being ripped off right in front of our noses. I am on dissability and my husband is on a small pension. We live paycheck to paycheck. Every cent counts as I'm sure it does with everyone writing to you.

I really feel who ever is suppose to be watching out for the banks like Applied are falling down on the job. I hope someone can come up with something to stop this place.

I accepted a mail offer from applied card bank. I admit that I did get behind on payments. I arranged through a debt management agency to not only pay off the applied card bank, but my other credit cards as well. Applied card bank agreed to accept the terms of the agreement and the payment that was agreed upon by the debt management company.

Every month, they would call wanting more money than the agreed upon payment, and refused to deal with the debt management company. I know I made a few payments to the debt management company a few days late, but I made a payment to them every month like I was supposed to. I always made sure they got the biggest payment, even though I had one other credit card I owed a lot more to. In fact, I just paid off the Applied Card Bank in my last debt management payment, and I still got a call from them. They don't stick to something that they themselves agreed upon. I am glad I am finished with it.

I havenot used this card in 2or3 yrs they are charging too much i cant get caught I got behind at Christmas and they called i let them take $87.00 out of my checking and i sent them a pmt of $100.00 this was feb.they charged me $33.00 telphone pmt.$7.00 internet pmt and that made me go over again that was $33.00 over limet fee $10.00mantince fee $34.00 latefee

I seen where they were people were very upset i cant pay this i am desable and on my husband is not working but 2 weeks out of the month on his job i wanted to cancel my card but they said they would still charge all the fees and i cant do this i want to pay them of but i cant do it like this i want something done or tell me what to do please i dont want my creded bad over this but this is not far please help me. Tammy

In 2007 i set up an account with Applied Card Bank and had a credit card with them, I fell behind and I had an rediculous balance before I knew it, I made arrangements to just pay the card off with a collection agency, I today then received a call and spoke to a very rude individual that told me i was stupid because i did not settle this with them, they were trying to get me to pay both parties to make sure the amount was taken care of.

I have paid alot of money to this company, and received alot of rude calls from them also. I paid way more than what the balance was on the card amounts over 3000.00

I applied for a credit card in 08'.I became behind on it and it's been a nightmare ever since. The calling is unbearable they call all day and you get these people who you can't understand them. They charge all kinds of interest rates.Even if your payment is not due they continue to call you . I've try to settle with them in a reasonable settlement . Then they put you on a payment plan and if you send one dollar less they kick you off the and tell more lies when you ask why.

I'm fed up with these people and can't get anything done. They are tons of complaints just like mine on the internet of what they have the power to do to people. If someone can help me find a way out I would appreciate it. Every time I get a letter it is signed by someone different but if you want to speak to these people you can't I don't think they real people just names put on these letters. Thank-you

All the calls the rudeness of the customer service people. Also I have loss a job live in a small town can barely make ends meet. This situation is very stress full.The interest rate that is being tacked on to this daily I don't know what else to do.

On 5-29-08 we settled payment of $516.00, agreed by customer service agent Erika and her supervisor Charles. The terms where as follows, 3 payments: 6/2/08 $200.00 paid 6/17/08 $158.00 paid 7/1/08 $$158.00, paid in full. included in the agreement was: -all fees interest waived -clear all negative credit history all three credit bureaus -account to close effective 5/29/08 -all checks be cleared by bank.

To this date we recieve calls from AppliedBank that we still owe a balance of ongoing interest that has risen to $1,300.00. We have written to Applied bank, Faxed with no reply. We have explained to them by phone, each time they say that that they will invesigate the matter and will get back. I was thinking of taking them to a small claims court or what other recourse do we have?

Balance of Bankcard has continued to rise $1,300.00 dispite our settlement to close account and settled agreement. I believe this is fraud and deaf hear to have on-going interest. Please help us

After a perfect payment record, I fell behind for a few months. My balance has now gone from $1300.00 to $1900.00. I have made payments, on time, for three months. I still get telephone calls every day from 7:45am until 9:15pm, twice an hour, 7 days per week. My next payment is not due until march 2009, and yet the telephone calls persist. The representatives talk fast, and loudly, attempting each and every time to pressure me into allowing them to take funds directly from my bank account. They have sent me several letters and emails offering me a generous (sic) settlement.

As soon as I call, they begin pressuring me once again to take funds from my bank account. When I tell them about the settlement letter, they offer me a settlement of $1800.00. I have asked they stop calling unless I have a payment due, and they refuse. I have asked they stop calling my cell phone (which costs me money) and they refuse. When I do make a payment, they charge me $13.95. Their practices are unethical and in my opinion, border on illegal.

The stress this company has caused me is unbelievable. Even with no current payment due, I cannot escape the constant barrage of phone calls. The money they have cost me calling my cell phone is ludicrous. Even after numerous requests that only my home phone be called, they continue. I have asked them repeatedly to stop pressuring me into them taking money from my bank account, and I just am going out of my mind trying to deal with this unethical company. I will never catch up. They continue to charge fees and a $13.95 fee everytime I make a payment.

I applied online for a secure credit card to boot up my credit score and I have to pay in advance $1175 for a $1000 credit. Money was drawn from my account and for two weeks now, I never had any notice from them about our business. I got alarmed so I asked their number from my bank and they gave me a number to call. The cr representative was not that helpful and insisted I give my whole social security number which I refused. They won't help me in any way so I investigated online and I found this site and am surprised with what my intuition is trying to tell me about this company.

I have had this card for 1 year and have had numerous problems ranging from finance charges putting me over my limit (less then $1 on both occasions) yet being charged $32 in over the limit fees to paying my balance in full only to get a bill the next month for $4 in finance charges - also known as 2 cycle billing. The last straw was getting my annual renewel statement telling me my annual renewal fee would be billed in the next cycle.

I called to terminate my credit availability - and after being hung up on the 1st time by some nasty customer service rep - I was told I would be charged the annual fee anyway unless I paid the balance in full. Of course they charged it. Per the FDIC section 226.9 9(e) Disclosures Upon Renewal of Credit or Charge Card - 6. Terminating credit availability. Card issuers have some flexibility in determining the procedures for how and when an account may be terminated. However, the card issuer must clearly disclose the time by which the cardholder must act to terminate the account to avoid paying a renewal fee. State and other applicable law govern whether the card issuer may impose requirements such as specifying that the cardholder's response be in writing or that the outstanding balance be repaid in full upon termination. How do I know if state law allows them to force me to pay the balance in full to avoid the annual fee?

Per paragraph 9. Prompt reversal of renewal fee upon termination. In a situation where a cardholder has provided timely notice of termination and a renewal fee has been billed to a cardholder's account, the card issuer must reverse or otherwise withdraw the fee promptly. Once a cardholder has terminated an account, no additional action by the cardholder may be required. They are refusing to reverse the fee that never should have been charged to begin with. To top it off the charged it as a purchase so they could make me pay interest on it. How is this a legal practice and how do they get away with it? What can I do to fight this?

Aside from the sheer agrevation and unfair practices being perpetrated by this horrible company there are no physical damages, however the monetary damages of having to pay $72 in overlimit fees when I did not charge over my limit and having to pay an annual fee for a card I can not even use since I closed it is completely unfair.

Had Cross Country Bank credit card LONG ago. Got married, had child... life happened. Last payment made April 2003. Debt Collectors started calling and harassing wife (she didn't know the account existed). They couldn't talk to me because I was away at work 7:30am to after 9pm consistently. Through wife, informed them that they did not have permission to speak to her, but they still kept calling & harassing her.

March 2007 Applied Card Bank filed suit. Couldn't afford attorney, couldn't afford time off work to go to court. Wife took care of paperwork (again due to my work schedule) & filed Answer to Summons. Answer included fact that Exhibit A-1 of the Summons shows that CCB/ACB sold debt & all rights & interest to third party, NCOP Capital, Inc. Thus CCB/ACB has no claim to the debt. Attorney requested judge to rule by brief (meaning that the judge is being asked to make a decision himself, without a court hearing). Judge ruled in favor of CCB/ACB. Told wife to pay the debt when we got income tax refund. She never did.

Now we're trying to purchase home & bank won't consider mortgage until Judgment is paid. So that it CAN be paid, am trying to get documentation, which is my right under Fair Debt Collection Practices Act (FDCPA) to provide 1) proof from CCB/ACB that they are owners of debt and not NCOP Capital , 2) proof of the actual amount of the debt (principal, interest, fees, etc), & 3) written agreement that once they receive the funds, the debt will be settled in full & no more action will be taken on it (besides required changes on credit report).

Copied requests to the Judge & he set a court date to hear Motion to Set Aside Judgment. Attorney has ignored request for documentation per FDCPA and instead moved for the Judge to Deny Motion to Set Aside. This attorney is acting in violation of FDCPA by failing to provide requested documentation. Applied Card Bank is fraudulently bringing suit on a debt which it has sold, thus relinquished it's rights to collection.

I'm being ripped off by applied bank. They keep charging me a little over $10 of monthly fee, and 12.95 for online fee, and by doing that, they put me over the credit limit, and charge me a over the limit fee of $32. Due to the fact i'm disputing this by mail, i did not make a payment, and they charged me a late payment fee of $32.

No one there will assist you, the only help you would get is if you're making a payment, other than that, they tell you write a letter to a PO BOX address. The people who answer the phone are located in India, and i have to send a letter to a Delware address. This is the most amazing thing i have ever seen in my life. I'm thinking about closing the account with them.

Unbelievable how many complaints I just read about this company. My complaint is similar. Have good credit, never heard of this company, get at least 10 phone calls a day, including weekends, starting at 8:00 a.m. until 10:30 p.m. Very annoying! They ask for someone I don't know, have told them on three occasions to quit calling me. They ask me for personal information and want to know how long I have had this number. I get upset and simply ask them to take me off their calling list without giving them any info. I was told by a manager named Shaiju that they wouldn't quit calling unless I gave them my name and proof of when I started using this number. Unbelievable!

Suffered a heart attack a few years ago caused by stress. I don't need these harrassing phone calls!

Back in September my statment did not come in the mail. Therefore I missed 1 payment. I was well under the credit limit. Then next month I got a statement with an outrageous fee of $35.00 for no payment. I called and told one of the East Indian associates what happened and got nowhere. I of course got upset and refused to pay them any more money til my account was credited. Got nowhere.

They called day in and day out numerous times a day til we had to cancel our phone just to get some sleep! They even called my cell phone one day while I was trying to get home in a blizzard and yelled at me about making a payment immediately. He even told me to just pull over and give him by bank account information! NO WAY! Letters come in the mail all the time. My account is now up to $1812.71.

They sent me a generous settlement letter but have not gotten a written response to what generous means. I will not talk to any of them on the phone anymore. I want everyting in writing for legal purposes. They don't like that. This company is a rip off and maybe our new President shoud be looking into companies like this one who are just out to rip of the little guys who are barely making it anyway! Just to let you know how bad their fees are my last statement has $112.63 in fees on it. That is just for 1 month!!!!!

Had to cancel my phone, just to get some peace!!!!

I opened a credit card account awhile back with Applied Bank. For several months I made payments on time and things were fine. My husbands job cut his hours back from 40 plus a week to 17 a week and I fell behind in payments. I called and explained the situation to them and they said to pay what I can. In the meantime all the fees are building up to enormous proportions. Typical I know.

For the past several months now I get on an average of 10 calls per day from someone in India who I can barely understand. I've tried to work out a settlement deal 3x now and get the same answer each time back. We need all the money within 30 days or we can't help you. Other credit card companies are willing to work with a person who is willing to pay but not these people. At this point I am so frustrated with these people I could care less if I ever pay them. They are rude and demanding and always threaten to turn you over to collections.

Well, what are doing when they call those 10x a day? I have asked them to stop calling me on my cell phone at work as I can be written up for this and lose my job. They promised to quit but haven't as of yet. I would like to file a lawsuit against Applied Bank but not sure how to do that.

I was placed on a program for my credit card. The payment was $36.00 I had not missed a payment and back in December 08 I was five dollars short. I did not have the five dollars to send at that time and saw no harm in sending what I had at that time.They then charges a thirty two dollar late fee for five dollars and the kicked me off the program.

I can't understand these people way of thinking I'm trying I have other bills to. can they call me every 15 minutes on the phone and also late at night. If you can advise me how to handle this I would appreciate it. Thank-you. Also talked to badly by a customer service person of the company

I had an account with this company. After getting into a bit of financial trouble due to a divorce, I managed to get back on track after shredding my card. However this didn't go as easy since their reps continued to call me about the same thing multiple times a day.

However now my card is paid off, accidentally overpaid by almost $38, since AUGUST 2008. They have yet to issue a refund despite multiple requests to issue a check. This company seems to have no sense of doing business a legal and correct way. Holding money for 5 months - I can't consider this legal.

After paying multi unnecessary fees, now I am waiting for $38, which could be used for school items for the kids.

I have a credit card from Applied bank due to the economy my job cut back on my hours so it put me in a bind and I was unable to pay my credit card bill the minimum $35. I called and I let them know and they told me to just try to pay as soon as I can. The next month they increased my minimum payments to $75 which is ridiculous and had start calling me over 10 times a day including my place of employment. I told them don't contact my job any more and they continued the calls 5 more times. More like once a week and says it's not in there notes to not call.

At first I didn't know how they even got my job number and the CSR told me they keep track of every number I call from. I made a arangement with them to pay $50 a month and to stop the charges on my account due to hardship. They requested my bank account information for the payment and I refused to give it to them and told them I will send a money order. The next week they called and said that it was not a enough money and I need to send more and I just blew up on them and they hung up. I again tried to make an arrangement to pay them off when I file my taxes and they said they will not wait that long and they are about to send my account to their legal department.

I have no clue what I'm goint to do about this account. I got my number changed so they can stop calling me so much and asking my daughter questions. My credit is screwed because of them I and might have to go to court to defend myself so I won't get guarnisheed by them. My credit card was only $850.00 and wasn't charged to limit but now they said I owe them $1500+.

In Dec. 2008, we agreed via electronic phone payment to settle and close ac- count for $1,545. A week or so later, I received a bill for $185 for late and overlimit fees (the $1,545 was listed on bill) When called, they would not take off charges. About 2 weeks after this, (Jan. 2009) I stopped the pay- ment. Soon after, the excessive calls came. They call multiple times all day. I filed a complaint with Pa. Attorney General's office and Deleware Bettet Business Bureau. I am awaiting a call from my local Congressman. I want to file a lawsuit against them.

I have fallen behind on my credit cards, my own fault and given the current economy. I am being harrassed by Applied Bank, must get at least 7 calls a day and they have now called my job 5X after telling them not to call me at work. They even asked for my boss one day. It sounds like a call center out of India and I am able to understand them and don't think they understand me. The calls at work are causing a problem.

I have been trying to speak with someone regarding charges that are being added to my account. For 3 months I have been trying to get someone to discuss these charges with me. All they say is write or fax. Ive done both and faxed again today. In the meantime these fees are adding every month. I told them since Nov that I will bring the account current if they work with me. Dec 2007 my husband lost his ability to work and we are at bare min with our finances.

These guys are the worst! I fell upon hard times (my landlord died) and I had to move so I fell behind with my payments by several months. I then received a letter (Form C353) which stated that if I paid the amount due of $322, they would reinstate my ability to use my credit card again and remove any derogatory ratings on my credit report. I borrowed the money and called them which was two days after Christmas and made the payment. I confirmed their promise with the Rep that I spoke with and she stated that the letter was in fact accurate and she would document this by referencing the Form C353 letter, stating she could see that the letter was sent.

Well, within three days of my payment I received a form letter from them telling my that my request to reinstate my account was denied. MY REQUEST! It was their offer! I immediately called and when I questioned the letter it was as it I was speaking in an unknown tongue. After total frustration, I asked for a supervisor. I had to call four times because in each instance I was disconneted. When I finally did reach a a person who said she was a Supervisor she told me that I had to send a copy of the letter to them. I was appalled and I asked her did she not have a record of the letters that were sent out. Here is the good part....she told me her computer was down and PDF files could not be opened so was was unable to see the form. I got no satisfaction but you can be sure I will call again to see if their computer is up and working. What deceitful practices.

I also requested they cancel the card. They have put a hold on it, but continue to add these ridiculous fees. They even called my house on Christmas Day and New Years Day. They have no respect or scruples.

I have worked hard to rebuild my credit and now they are out to destroy me. I have been so stressed out from their continued harrassment that I have become physically ill and dred every time my phone rings.

It started with i was overdrawn by 1.06 charge me 35 dollars. I paid it then without using it i was overdrawn the next mt because of a maintance fee of 10.98. My minimum payment next went from 35 dolloars to 73. I tried to explain im not working. they no effort to work with me. I was trying to my credit in order this is a nightmare

I dont want to mess up my credit rating. its only 675. now I want out at lease work with me

This credit card company is still trying to charge me a 30.00 fee for a returned item that was not returned nor has even been deposited to my bank. I have filed a complaint with the FTC and will be filing one with the BBB as well. I would reccommend anyone else who has had a problem with this company do the same.

Received 2 calls last week from a person from Indian saying they were calling from Applied Bank and that I had an overdue account. I do not have an account with Applied Bank, nor have I ever heard of them. They would not tell me where they were located. They said I did have account with them and that they even had my bank account number. I asked them which bank and they told me Newbridge Bank. I've never heard of this bank I told them. I asked them to give me the address on this account, and they would not do that unless I gave them the last 4 digits of my social security number (I only gave them the last 2) and they said I was the wrong person.

They apologized, but my problem and concern is how did they get my home phone number, and was worried that someone had stolen my identity. turns out it's someone with the same name, but still how did they get my number? I looked up Applied Bank's website and they give credit cards to people who shouldn't really have them. A business like this should be closed down; they are just creating more and more debt for people who can't afford it. And the rest of us who pay our bills on time get caught up in the mess.

I have this credit card company calling me on my cellular phone, during the weekends, at night after 7:00 pm, and while I'm at work. The only problem I have with this company, is that I have no idea who they are, and how they got my phone number. They are asking for a person I do not know, I've checked my credit reports to make sure this person did not take anything out in my name. There was nothing in my name, using my phone number or address, that I was not already aware of. I've told the credit card company to stop contacting me, and they comtinue. I've spoken with a supervisor, and the customer service, yet they continue to call. how do I get this to stop?

It's starting to interfere with my work day, to have to leave the room to speak on the phone to these people, to continually tell them the same thing....They call from different nubers all the time, sometimes private calls, somtimes 866 numbers or 800 numbers, somtimes its India calling somtimes Thailand, never once has someone who speakes English clerarly spoke with me, its always a thick accent. Im at my wits end with this and not sure what to do.

I got a pre-approval in the mail from Applied Bank back in November 2007, I called in to ask if there was an annual fee for the card. I was told that the number I had called which was the number to activate the card, could not give me information about the terms of the card. So i activated the card. I always paid on time thru their website. I was unable to make the payments as of june 2008, so I would send them whatever i could afford. The late fee's started accumulating, as well as finance charges and monthly fee's for a card I was unable to use because it was over the limit.

I began getting calls from an international phone number on a daily basis atleast 6 to 8 times a day, at work, home and on my cell. It's always the same representative that calls, Allen, who has a very thick Indian Accent and is hard to understand. We reached an agreement that I will pay 35$ a month for 4 months and they will bring my account up to date, and stop all late fees. I agreed to their request and sent in my first payment. They continue to call me every day atleast 4 times a day, work, home and cell. Allen is the only person who calls me from this company, he continues to go over the same terms on the phone with me like if im a child.

They want me to start automatic debit out of my checking account to pay them. They say that if I dont set up an automatic payment they cannot take my name off the list to call for collections. What can I do to stop these harrasing phone calls at all crazy hours of the day, and even from private numbers. Im trying to not fall a victim to their lies. But how can I stop them from constantly calling me every day?

I've been warned at my job that if i get another personal phone call I will be fired. I've also had friends who have called me because they have been called as my references. They are being harrased as well.

I cancelled the account. At that time, the minimum payment on the account was $36. I set up a bill pay with my bank in the amount of $40. The first payment was never received by Applied Bank, and was in fact returned to my bank due to incorrect address GIVEN TO THEM BY ME. My bank promptly contacted me, and we got the issue corrected and a check was re-issued. I called Applied Bank and explained the situation to them. The following month 2 payments were made, as I wanted to be on time with the payments. At that time, Applied Bank assessed a late fee, which took me over the limit, and then charged me an over-the-limit fee as well. This increased my monthly minimum payment to $139.

I have called them several times to resolve the issue, and was told to send a letter by fax. I will be doing that tomorrow. My issue is the doubling of fees. The late fee that they asssessed was warranted, but my question then refers to the over the limit fee that was assessed as a result of the late fee. Late fees and over-the-limit fees continue to be assessed, as I am only making the $40 per month payment. They are charging me $64 per month for a late fee and an over-the-limit fee. Is this legal?

There haven't been any damages other than frustration at trying to deal with people who don't seem to speak very good English. Also, they want me to increase my monthly minimum payments to $139, which I cannot do. My budget allows for the $40 per month, which I will continue to make.

I had this credit card for 2 years at 9% apr. My payments were always on time and they raised my balance to $950.00. My card was stolen on Sept 11, 2008 from my workplace. I filed a police report and even gave names of the theives. Needless to say I stopped all payments until all the charges were rectified. They spent $700.

They said in November the charges were off so I started making payments again. Well my balance is now $994.00 including charges I never made. Not only that but they now raised my apr to 29.95%. Is that even legal? This company is a scam and should be charged with theft. They will ruin credit and make consumers blood boil. Call the BBB and file as many complaints as you can.

My payments now are something like $80.00 and I have not used my card sind 8/08. But ever since my card got stolen I pay late fees on charges I never made. They call constantly and even started to phone me at work. I tell them it is illegal to phone by job but do it every month, esspecially when my card was stolen they still wanted payments. Well, my credit now will be worse since this involvement with Applied Bank

I closed my account and had a balance of -$6.95 according to the Customer Service Rep. I was told that I would be mailed a refund in the amount of $6.95, and I would receive a letter stating that my account was closed. I was also charged a $35.00 late fee for making a back to back payment. The Customer Service rep told me that it happen all the time and I would have to write to a different address and file a complaint. I was also informed that the phone call was being recorded in case there was a problem in the future.

I did receive the letter stating that my account had been closed. I check the account on line and my bank had sent them a automated payment in the amount of $50.00. The online statements shows and adjustment of $6.95 to my account, and the current balance is -$50.00. The statement also shows that I owe $86.00 that is due by 12/13/08. I did take math in school, and if you balance is negative, please explain to me how I owe. I checked the statement and there were no purchases, finance charges, or any other charges that I could see. I will be calling them in the morning and also filing a complaint with the local BBB office in Knoxville TN.

Applied bank owes me $6.95 and $50.00 for over payments along with a $35.00 refund for a late charge that was due to a system glitch on their end. Total owed to me is $95.91. Not to mention how upsetting dealing with this credit card company has been. I get severe headaches and heartburn when I get very upset and right now I need some Tylenol and Tums.

I paid off a debt with Applied Card Bank in 2007. They offered a special deal if I would pay off the whole amount at a certain date. I accepted this deal and paid off when I was suppose to. I got a call from a collection company saying I owed a balance and I told them I had paid it off. They did check and I had a zero balance.

Received a letter from Attorneys at Law stating that Applied Card & Cross Country Bank will sue me if I don't pay off a balance of $l,208.18. I talked with Lawyer and he said that it looked like they took the balance that was deducted from my account (the special offer)and some how kept it on their records and interest has accrued bringing it to $l,208.18. It was paid on time.

I told the lawyers that I was going to call Applied Bank and see what I can do. So far I haven't been able to contact them. The lawyers want an answer by Nov. 28th. What must I do. My Mother is handling all of this for me. She is retired from a Financial Institution and is more familiar with this kind of problem.

I just want to talk to the attorney that is filing the class action suit against this company. I have had major problens with these jerks for the last two months when I tried to contact them about an over limit fee that was on my credit card, and they told me to write them a letter. I was so angry that I wrote them a letter, chopped the card up, taped it to the letter, and mailed it to them.

Since then they have sent me two more bills, one for 133.00, and the latest one is @205,00. They are still adding fees, even after they were told to cancel the card (TWICE). I was paying @35.00 a month. The fees are rediculious, you have a finance charge, a @10.00 a month maintenance fee, If you want a limit increase it's a $100.00 fee, they charge you $6.95 fee to pay your bill on line, and customer service refuses to talk to you on the phone.

These are about the stupidist people I have ever tried to deal with. If what they are doing isn't illegal, it should be. They are definately scamming their clients

There are three payments that have cleared my bank since August of 2008, over $400 worth of payments towards this account - one of these payments being $126.95. With these payments clearing my bank there is no reason that my statement should reflect a balance due of over $900 when my credit limit is $850. I have made double or triple payments for over a year in effort to pay this account off. In return, Applied Bank has continued to charge excessive fees, making it impossible for anyone to pay the account down.

Although this card has been cancelled for over 4 months the statements I receive still show purchases?. This is fraudulent, as I have not made ANY purchases with this card since March 08. I have read numerous accounts from other customers of Applied Bank who are experiencing the same situation

I made arrangements to pay them $35. per month...(most of what i owe is fees--i charged very little). i stay on top of my payments--last month & this month i paid 2 payments each. but they call me a dozen times a day every day 7 days/wk. they are trying to pressure me to let them draft the payments monthly from my account. i keep telling them i will only do that if they send me an e-mail or letter assuring me that they will only take $35 each month & that i will not be charged their outragous fee for paying by bank draft. they say they can not send me such an e-mail or letter, but that since the calls are recorded i have their word...when i ask to talk to a supervisor they hang up on me...i tell them to quit calling me--I AM NOT BEHIND...but they continually harass me from 7:30a.m. til 9:00p.m.

so many fees when from the beginning they made my due date inconvenient--then charged me huge late fee, which made over limit fee...most of what i owe is fees--not purchases or cash advance...i have 2 other credit cards with other companies with excellent payment records.

I cannot at this time make a payment until 12-12-2008.My hours at work have been cut.But,in Dec.I will be getting my regular hours.PLEASE do not call my home.

I have been a loyal customer of Applied Bank for two years now. All of which I have never missed or have been late on a payment until 3 months ago back in September. I had unauthorized charges from a company plus the annual fee (of which I didn't know would hit)to hit my account at the same time during the end of my billing cycle. Finance charges hit also which took me over the limit drastically. In the meantime, I disputed the charges from the company that fraudualent charged my card all at the same time asking Applied Bank if they could waiver the over the limit fees and was told I had to write in to the Fee Dispute Dept. with a request. I did that and was given a $25 credit for September still being charged these excess charges for a total minimum payment due of $161 for October.

I called to see if arrangements could be made for them to waiver the excess fees so I can just pay whatever the amount was to bring my account current. I was told I had to write in once again of which they denied it this time because they said they had issued me a credit of $25 already. I felt this was unfair for it didn't even take care of the $50 annual fee, lest known the $35 late fee, and $35 over the limit fee. I eventually got all my money back from the company I disputed the charges from thinking with the money I send in for my payment due along with the credit back I would be back in good standing. NO!

I paid all but $23 of which a SUPERVISOR told me to pay the $23 before the next payment due and that should bring me back current. I did that on 10/22 and mailed my new balance payment of $70 on 10/31. This put me under my limit by $23. Now I find out on 11/17 that I am $6.32 over the limit and a charge of $35 has been applied to my card ONCE AGAIN! I spoke to Supervisor George this time of which he told me the I will next be charged again the over the limit fee after my billing cycle ends on tomorrow 11/18. AND IT ALL STARTS OVER AGAIN!

I'm tired of fighting this with them! These people are a total rip off and they are out to make as much money as they can off of the customers. I hate I ever got this card! I have two other major cards who have been very gracious in helping me when I needed them. Please someone hear our cry out for help! Applied Bank have hurt too many people! My 700 credit score has been hurt drastically because of this whole situation. I am stressed out and to my last limit with them. I am struggling with 3 children by myself. I don't have the money to try to keep up with them doing this to me.

After being denied a payoff request I was put I was put on a "opportunity" to pay off with a special promotion of having no interest or fee's charged monthly. I have been paying 72.00 the last 3 months and just noticed I am being charged 32.00 monthly...I was late & frustrated w this company because they were continually making false charges and in a 4 month period they added over 500.00 in fee's & late charges....I tried to get a payoff but they would not oblidge.

APPLIED CARD BANK IS BY FAR THE WORST CREDIT CARD COMPANY OUT THERE. I applied for a credit card with the company about 2 years ago. On June 9 of this year, I called APPLIED CARD BANK and spoke with a rep name Pat. I was able to close out my acct by paying 853.00. I paid by using a Visa Card and was given a confirmation number. She went on to inform me that my acct would be closed out. On November 5 I get a call from some collection agency "law firm" Smith Debnam Narron Wyche saying that I have a debt collection of 1, 172.67. I spoke with Michelle and Tina on Nov 5. They both told me that I have to send them something in the mail stating that my acct is indeed closed out. I told them that APPLIED CARD BANK never sent me anything in the mail, but I do have a confirmation # and the rep to whom I spoke to. NO NO NO that was not good enough for them.

I proceeded to ask Michelle when they got my info from ACB. She told me that ACB submitted my info on October 31 2008. FIVE MONTHS later ACB sends me to collection even after I closed out my acct. I called ACB the same day (NOV 5) and spoke to Annette. She was unable to locate my acct even after giving her my SS#. FINALLY, she found me in there system. She told me that it did show where I called in on June 9 and paid with a Visa Card in the amt of 853.00. I even had a balance of 94.37. She said that she would send my acct to the adjustment dept because I should have a ZERO balance and the acct should be closed. She told me to call back next week to make sure the acct was closed out.

I called ACB on Nov 10 and spoke with Rocky. He was unable to find me in there systems and told me that my acct is closed/paid since my info is not in there system. I told him if he could send me something in writing so that I could send it to the law firm. He said that he could not since he could find my acct. I told him to transfer me to a manager on duty. He could not do that either because I did not have my 16 digit acct number. After finding my acct number, I called back on Nov 11. I spoke with Richard and gave him my 16 digit acct #. Once again, he could not pull me up in there system. He told me that the acct is closed out and there was nothing more he could do. I GOT SNEAKY. I called the "law firm" while on the phone with ACB.

After joining both calls, Michelle told me that I could not have them on the phone. I said why not and got a response that they are a client. I said how well and that I need answers regarding my acct. Richard(ACB REP) said that my acct is closed/paid while Michelle was on the phone. I asked Richard how did they send my info out to a collection agency, but they cannot even provide any documentation of my acct in there system? I received no explantion. I even spoke with Reggie a manager with ACB. He told me that they kept my acct open for one month even though it was paid and closed out. He said that they sent me info about my acct, but he was unable to tell me that mailing address because there system is minimal. I have also sent my complaint to the Better Business Bureau. APPLIED CARD BANK NEEDS TO BE STOPPED AT WHAT THEY ARE DOING TO PEOPLE. I am not going to worry about this because I know I paid off this acct. BEWARE OF ACB.

I applied for a card, they took the $200 from my checking account, have never sent the card and it has been over two months. I cannot get a response as to when it will be refunded ater weeks of being told your card will be sent in two weeks and finally demanding to have the deposit refunded after it never did. They have a habit of disconnecting you if you want to speak to a supervisor, so am afraid that I fell victim to a fraud.

I have lost $200 in the deposit, along with countless hours of my time.

I was paying this credit card on time but each new statement there was a late fee. I called and spoke to a customer service representative and I could not understand her due to strong accent. I was given credit increases also but now I have been charged with monthly maintenance fees, overlimit fee, late fee, finance charges (shows on statement as purchases) and a phone fees are also charged.

I did sign up for this card to start building credit back up but now it is killing me and nobody from this company will work with you and the language barrier is horrendous. Their monthly maintenance fee is $10.95, telephone pay fee $15.95, late fee $35.00, overlimit fee $35.00 and finance charge as it says on the statment indicates purchases @ $22.71 and cash advance $8.96 totaling the finance charge to $31.67.

Yes I know you suffer to rebuild credit but this company seems to be a complete fraud none of the other creditors are this awful! I was reading all of the other comments and they are all so TRUE. I hope somebody does investigate this company because it is criminal!

The economical damage is horrible. We are on one income at this time and this company is killing us and I am trying to stay on top but now these fees are just going to send the account way over the top and it is very intimidating. Now we can never pay for our childrens future and it is nobody's fault but my own for signing up with this company. They lure you in and then once they have you it is over.

This has got to be the worst credit card I have ever owned! Not only am I being charged 29.99% with a pretty good credit rating, but every month I am charged $10.95 for a monthly maintenance fee whether I use the card or not. If I decide I would like to make my payment online, they also charge a $6.95 fee as well. If that wasn't bad enough, the monthly maintenance fee and online payment fees are both charged to my card as cash advances. So they too get charged a 29.99% finance charge.

Never in my experience with credit cards have I been charged (punished) for wanting to make a payment online. I've heard of monthly maintenance fees (although rare in my experience), but I've never heard a company charge the fee to your account as a cash advance so it too collects interest. Customer service could care less to help when I needed it a couple months ago. Their hardship program was as most of the people describe - all talk. They continue to charge fees and keep the account active even though they tell you different.

Thankfully, my credit is in decent enough shape for me to get another card with a much lower APR (4.99%), no monthly fees, no online payment fees, and best of all .. they do balance transfers. Goodbye Applied Bank Card! If you are reading this while researching the possibility of accepting a credit card from Applied Bank. yours. Good luck!

I was lucky enough to be able to receive another card to transfer the balance to. Others might not be so lucky and be stuck for a much longer time than I was trying to pay off something that should not be so hard.

It all started in Augest when I called Applied bank to inform them of a fianancel upset I had and that I needed a way to catch up. I was told about the hardship program so I applied and was told that I was accepted and my payment would be $60 a month so I started paying right away. Then the calls started and I was told I was behind and full payment was due. I said I was on the hardship program and they said no I was not. So I applied again with all the questions again about my income. Again I was told I was accepted.

The calls still came, even at my feance's place of employment. I applied again!!! And guess what????? NO RESULT!!! they still said I owe full payment. I called in Augest to start a payment plan with ALL my creditors and Apllied Bank is the only one who is lying to me and not helping at all, the payments I have made PER APPLIEDS ORDERS were not applied to my ballance but to FEES I WAS TOLD WOULD STOP while I was on the hardship program. My ballance continues to grow with no end in sight. I want to pay but Applied Bank keeps lying to me and taking my payments with no ballance reduction. Again this started in August.

Its caused me problems at work,at my feance's work,loss of sleep,stress,cell phone minutes used,all the money I sent them,fights at home,countless hours on the phone.

When I cancelled the card, the Indian told me there would be an additional $135 charge to cancel. I was outraged and hung up. Later, after my blood pressure subsided, recalled the toll number and was told there would be no cancellation charge, but I would have to pay $111.32 plus a $12.95 phone payment charge.

Is this the manner in which a loyal customer with a credit rating in the 800s should be treated?

Would like your concern to get a refund of the $123.62 charge. If this is not possible, please post this blog so others will be forewarned.

I was contacted by Allstates Financial saying they were proceding with litigation against me for Applied Bank. I had never heard of Applied Bank. They gave the last four of the social of the person they were looking for and it was not mine. I am concerned about identiy theft and Richard of Allstates Financial gave me their name and the above number. That number takes me to an automated system and I could not contact their customer service. I tried online but the number shown is the same automated system.

I do not know if you can help me find out from Applied Bank who has supplied my name and number to them. Or at least a way for me to contact them myself. I am very concerned about identity theft.

The Applied Bank collection department has been calling my house attempting to reach someone named Patricia. We have consistently explained there is no one here by that name. Recently we received 3 calls on a Saturday, and at least 2 calls on Sunday. Our message has always been the same; the person they are trying to reach is not at the number they are calling.

We have asked them to not call any more, yet the calls persist. We have never done business with Applied Bank, can not recommend them after this. We work hard and meet our obligations to our lenders. We feel harassed by a company that we have not, and now, will not do busines with. Too many calls, and on Sunday after we have let them know they simply have the wrong number for the person they are trying to reach.

I had a credit card from Applied Bank but due to the continuous amount of fees that they added to my balance, I was unable to keep up with the payments. Their unfair marketing and collection practices have subjected myself, family members, and my employer to continuous calls from Applied Bank and Capital Management. Calls have persisted 7 days a week from 7:00 am to well past 9:00 pm.

Ruined credit rating due to fee harvesting, embarrassment to family members and employer, and the continual harassment to this debtor.

I have a payment due on the 6th of the month every month. Every month I set up reoccuring payments to be deducted from my account on the 30th of the month to always pay early. This company charges me $6.95 fee for paying online/ then 10.95 mnthly maintenance fee/and an outrageous annual fee/ but to top that off they charge me $35 late fee and overlimit fee of $35 after that because they say I didn't pay on the due date.

Never have I ever paid early with any credit card agency and had them charge me fees for this saying I'm not paying my bill on time and slamming me with 2 more charges for it even when I have ALWAYS paid more than the minimum due. There is no way to pay this card down from all the fees we incur monthly for paying online and for what ever this maintenance fee of 10.95 a month is for.

I have now closed the card as its damaging me financially having paid thousands of dollars in fees to them and when closing the card they informed us they would continue to charge the 6.95 and the 10.95 plus annual fees as usual.

I have had problems with this card since the very beginning. Financial issues is the only reason I accepted this card even though the red flag ($500 limit, $300 + fee taken off first month just to get this card) should have been enough warning. I have never been able to keep up with monthly charges, almost like they are deliberately trying to get you to go over your limit so they can make outrageous charges.

I used this card the FIRST MONTH I got it, no where near charging even close to what I understood would be what was left on the card after their first huge fee, I have MAYBE had the chance to use it once more after that within the first three months or so, and never used it to charge again, this was in 2006, it's been over drawn ever since even with payments made. I get charges that make no sense, fee's that are unarguable, and what has seemed in the past like false charges that even seemed to side swipe A-C-B when brought to their attention.

I finally got my account frozen after threatening to join what I noticed was a class action lawsuit in the works I had read about online. Now that I made this agreement with them to set a payment plan I have kept my promise and paid ON TIME and more than the amount. This opened the flood gates, I get more calls a day then anyone should get in a week since I have made this payment arrangement.

Usury and predatory fees, $10.95 monthly maintenance fee, $6.95 on line payment fees, $32 over limit fee(I was 30 cents over). Never used the card that month, Paid $68.(amount on my bill) and had $49. worth of fees. The worst part, if paying the amount requested the cycle never ends. CSR Jim and Lindsay manager say bank needs a written request to recind over limit fee. Never been late in paying, canceled this card. Also, forwarding to Delaware FTC, AG and else who can help expose these rip off/con artists.

Financial hardship, unemployed. have to pay or damage my dit and hurt my chances with employers.

I called Card Bank because it seemed i was alwayse getting unexplained fees. I told them I was having a hard time and did they have options for me. The manager offered me a hardship program if I paid $54. I gave them this and they put me on the program. A week later i was charged $70 in fees then they told me I was not on the program because it was not approved by a manager!

I called several times now I am at the point of not paying them which is going to adversly affect my credit, but whats they use when they charge me all these fees. Then I asked to close the card and they tell me they will charge the monthly fee any way which i dont even think is legal! They are rude and unhelpful. I had not paid them late, BUT THEY TELL ME I CAN WRITE A LETTER DISPUTING THE CHARGES.

This is horrible. I got this card to improve my credit and it has worsened it. I have 7 other cards and none have treated me this bad. I wish I had never accepted this card. I can not believe that situation is not resolved. I was too the point of screaming and yelling in tears cause i was so frustrated and all the while the bill is going to increase and my credit worse. I feel so helpless.

i made an agreement to pay a minimum of $73.00 per month. i have kept this agreement and have been paying more then the $73.00 and paying early. now Applied Bank has charged me for a late payment twice and i can not resolve this. i have not missed a payment. Applied Bank also mentions they will reduce my interest rate, but they have not reduce it yet.

twice a $35.00 in late charge has been applied to my account

I have had Applied Bank continue on a daily basis to contact me about a past due account. I have in fact spoken to them in regards to this account now on several differnet times that I have accepted a payment arrangement from their company and have continued it now for several months. Those payments have been on time and not late. I have asked them several times to stop calling my house or I was making a harrassment charge against the company.

Now I have turned this company in now several different times for harrassing phones that don't need to be made and have explained several times that I have accepted a payment arrangement and have sent those payments in on time every month since but they continue to call me. I was just told this evening 10-11-08 that they would continue to be calling me on a daily basis until this account is paid in full. This was the worst mistake I have ever made in regards to this card. People beware if you need to restablish or establish credit DO NOT EVER go with a credit card from Applied Bank. EVER!!!!

Ihave had Applied Bank continue on a daily basis to contact me about a past due account. I have in fact spoken to them in regards to this account now on several differnet times that I have accepted a payment arrangement from their company and have continued it now for several months. Those payments have been on time and not late. I have asked them several times to stop calling my house or I was making a harrassment charge against the company. Now I have turned this company in now several different times for harrassing phones that don't need to be made and have explained several times that I have accepted a payment arrangement and have sent those payments in on time every month since but they continue to call me. This was the worst mistake I have ever made in regards to this card. People beware if you need to restanlish or estanlish credit DO NOT EVER go with a credit card from Applied Bank. EVER!!!!

This business calls me 5 times a day trying to get me to accept their credit card. I have NO interest in it at all. I work various hours and have told them over and over to take me off their call list. Repeatedly they agree, and waaalaa...another phone call.

The aggravation of this is going to force me to change my phone number even though I have elderly parents and other family members that rely on getting ahold of me. Also, my job demands I be available by phone at all times so turning off the phone is not a option. Why should I have the expense of changing my phone number!

I have lost sleep, and have stress because of the phone calls. Most of the operators don't even speak English and I believe they don't understand the word NO! Help!

I got this card to help my credit, but i lost my job in june and i have protection on my card in case i lost my job or got hurt,i sent off the paper work and they are still charging me late fees and over the limit fees i have had this card for year and have spent a fortune in fees my card had a 850 limit and now it is up to 1300.00 in fees and i have not used this card in about 10 months.

I called them and told them that my card had expired and that I would pay them but not to renew my card and to quit charging me late fees and over the limit fees, they have ingorned me, the past 2 nites they have called me 40 times they keep calling me every 2 to 3 minutes. This is harrasment, this was the worst mistake i have ever made by getting this card.

THis has hurt my credit, i was trying to help it and instead all i did was ruin it. All of my other creditors have done me right and have worked with me and have not reported me to credit agencies like applied bank did.

I got this card to help my credit, but i lost my job in june and i have protection on my card in case i lost my job or got hurt, i sent off the paper work and they are still charging me late fees and over the limit fees i have had this card for year and have spent a fortune in fees

my card had a 850 limit and now it is up to 1300.00 in fees and i have not used this card in about 10 months. I called them and told them that my card had expired and that I would pay them but not to renew my card and to quit charging me late fees and over the limit fees, they have ingorned me, the past 2 nites they have called me 40 times they keep calling me every 2 to 3 minutes. This is harrasment, this was the worst mistake i have ever made by getting this card.

I called Applied Bank two weeks ago to set up a settle for this account. I was giving the number to NCO Financial Systems Inc. The representative stated this account can not be settling. I just received a notice of garnishment from the office. This garnishment is for $1379.34. The card credit line was for $500.00.

Im not understanding this grand total on the garnishment! I have attach a copy of Applied Bank statement, showing the line of credit.

I cant begin to tell you how much extra charges I have paid them and Ive always paid on time. I pay though my banks bill pay which get transferred to them automatically and my bank has records to prove it. There not going to mess with Wells Fargo because their go after them their self. I have them paid down and not going to be a victim anymore. I going to have my lawyer contact them an file my last payment and close the account. Paying my lawyer to do it is worth the money.

If I going to have to continue to pay them then it would be better to pay a lawyer then take a chance with ones credit rating. I hope someone does something about this guys, there is no way what there doing is legal.

Paid off card and cancelled it in April, May I recieved a bill for a monthly maintenenance fee , Paid & Cancelled, June recieved a bill for a monthly maintenenance fee , Paid & Cancelled, July recieved a bill for a monthly maintenenance fee , Paid & Cancelled, Auguest recieved a bill for a monthly maintenenance fee , Paid & Cancelled, September recieved a bill for a monthly maintenenance fee and late fee THE SAGA CONTINUES. What do I have to do to get rid of this card?

Accepting the Applied Card was the worst financial decision I have ever made. The company has cheated me from the very beginning. I have been paid over limit and late fees more times than I care to admit. Although a few of the charges were valid, most were not. I have even been double charged for the service fee when I used the on-line payment option. I have tried to contact them to dispute the charges more than once, but have had an exceptionally hard time getting a real person on the line. Instead, I find a recorded message that just keeps going in circles. I finnally called threi technical support and was able to talk to someone.

At that time I canceled my card and was told I would hear from them in two weeks. I also tried to dispute charges that were added to my account that, once again brought me overlimit and added more charges. I was told that could only be done by my sending a letter and disputing the charges by mail. If this is the only way to resolve the overcharges and the dramatic elevation of the monthly payment, the door to the poor house will even be locked to me.

Overcharges, double billing, rise in monthly payments

I applied for and was given a secured Visa card by Applied Bank. I opened the account with $300 cash deposit and was billed for an application fee and interest on that fee. I sent the payment for the application and interest fees in about 2 weeks before it was due. I also sent an extra $250 in to bring my available Secured balance to $500, because I was going on a cruise and needed a charge card on the ship. I activated the card before leaving home for the cruise.

It did not work at the airport for my luggage. Charges were pretty much denied each time I tried to use the card. The card was accepted for deposit on the ship, but when I tried to depart the ship, Applied Bank would only approve $99.75 of the $253.00 worth of charges that I accumulated on the cruise ship. Needless to say, I had to come up with the money from some other source in order to depart the ship, miles away from home.

What I want to know is if anyone has any idea how I can get cancel the account before I get in too deep. I don't owe them anything. But from what I have experienced and others as well, I don't believe that I will be able to get out of this situation, even though they owe me money, and I do not owe them. I will probably loose the $300 I have on deposit with them.

i applied for the card they sent it, i used it with them charging me a 150.00 fee. after a while of making payment they raised my limit for a 250.00 increase they charged a 100.00 fee. this was outragous. then i got charged for things that were not my charges i filled out the form i faxed it i called and tried to reason with them over the charges. i continued to pay the monthly payment then i got over limit fees and late fees charged to me. i never went over the limit and they refused to do anything about the eronious charges.

told me they would take me to arbitration which i got a letter from so i assume they did that, no they have stacked up around 850.00 worth of fees and told me i could settle for 1500.00 and the charges are at 1981.00. they want me to pay it in full. they sent me to a nco collection agency and will not reason with the charges and fees they stacked up. they are saying i am being sued.

my credit have been horribly damaged and i cant get a loan for anything. i am in good standing with all my other bills and credit cards but this has created a nightmare. i got engaged but cant get married until this is resolved because it will effect my husbands credit. it has been unbearable with the calls and harrassement.

State of Delware banking commison 302-739-4235- you can also fax your complaints to the banking commison at 302-739-2356. if we all join in mabye this can be resloved.

ruining my credit buring me in debt!

I got this credit card like two years ago. Paid on it for a while then honestly forgot about it with other bills and such. I got a certified letter in the mail sent to the wrong address never received any bills from them then I get this letter saying I am being sued for the amount. The credit limit on this card was only 500 dollars and I am being sued for 1150 dollars.

When I moved my mail wasn't forwarded correctly I moved back in July of 2007 and payments stopped march of 2007 so I don't think I should owe them this much when the mail wasn't forwarded properly.

My payments are due on the 26th of each month and are $35.00. I have posted payment starting in April on the 22, May 25, June 15, July 3 and Aug 3. I go online to pay on Sept and find I am charged late fees and the total of $102.00. I pay $35.00 and call customer services. The say pay $102.00 now and $35.00 on the 26th. I tell them my payment is not due until the 26th and there is no lateness. The tell me to down load a merchant dispute form and fill it out and fax it. I am in the process of doing this now. They charge more extra fees than any company I know. It seems totally unfair. They charge a maintance fee of $10.95 each month and $6.95 for an online payment fee. What is all this.

It is the time and frustration it causes that makes me irate. It is hard enough to make payments without outrageous fee that are not legitmate being tacked on.

We have been harassed by Applied Bank, they call eveyday looking for a payment. They put us on a repayment plan to start in June of 2008 in the amount of $35.00 per month, they said after we made 3 payments of $35.00 our account would be brought current and they would report to the credit reporting companies as if we were never late. This was there re-age program. I asked for the terms in writing and they said they do not have anyting that I could take there word for this.

I made a mistake on the amount i sent on 7/8/08 so I sent 5.00 more) 8/1/08 $35.00 ( they said this payment did not count because it fell in the same statment date as the July payment). 8/29/08 $35.00 I get a call today 9/7/08 from Applied. at 12.30 pm. from there India center. They said they are calling looking for a payment. I went over with him all my notes. He told me that the 4 payments did not count because the amounts were split up, and that the account would not be re-aged or reported as never being late. He said they do not do that.

They wanted 3 months of payments in the amount 35.00 a total of 105.00 I sent 145.00. in a 3 month period. On there statment I have no due date it just says Due Now. What can we do ? Like I said we know we owe this but the calls are really bad. I work at home as a State Licensed Child Care provider, Because of the budget problem in Ca. I have 2 clients on the sub. child care payment program and I am also on the USDA food program. I am still wainting to be paid for the months of July, Aug and now going into Sept.

I work from home I have told applied and other bill colectors that I work from home they do not care they call all day long and wont take a simple answer from me. I can't take my eyes off the kids. I am stressed out from this company My heart races evetime i pick up the phone. I have complained many times they have notes about my cpmplaints. I am tired of being bothered at work and I have made my paynents as promised. They have not kept there word. Help Yes a lawyer can call me.

I have repeatedly told them that they have the wrong number for a customer they are trying to collect a debt from. They have continued to call anyway. It has started to become harassment.

I am having the same problems with this credit card as everyone else. pyramiding fees which is illegal by the way. late fees every month-over the limit and maintence fee- i have been in contact with the state banking commission in Delware they are going to try and help me. check out there web site the more people that complain maybe we can all find some relif somehow.

I have an applied bank cc with a $1000 credit line, plus of course their ridiculous $10.95 fee and super high interest rate. I lost my job in Mar 08 and so I called Applied to close my account that has never defaulted, i make my payments on time and it has never defaulted. Well i was promptly imformed i would still be charged $10.95 per month whether i kept it open or not.

Try as I may, it was a useless and complete waste of my time, so i kept it open, I still don't have a job and struggle every single month to pay my bills on top of this credit card.

I can't pay this card any longer and after reading all the posts on here, I unfortunately will most likely face the same harrasing phone calls, because i simply can't do it anymore, the way it's going and me only making minimum payment of $42, while they add 10.96 and nearly $17 in finance, it's like im not making any payments at all.

Worst credit card I have ever had the misfortune to come across.

Wow! This card has been a nightmare. I have credit available, but they decline charges. Each month I get at least one charge - along with the $10.95 monthly fee. More often than not, I get two charges, amounting to almost $70, in addition to the $10.95 monthly fee. I have paid and paid and paid, to keep my credit strait - but I am really really tired of their tricky ways. I have 5 other credit cards now, and none of them have been evil like this.

The stress, the money I have shelled out is outrageous.

I never received statements after I called and told them I was moving in October 2007,now mind you my balance was only $230.56 and after 3 weeks I called to see why I didn't received my bill statement yet all I was told was that it was turn over to a collection agency I was really shock to find that out,so when I contacted the agency they told me my bill was $1098 which had to be fees and interest which I fill I do not owe,

The person told me that a special program was available today for $366.00 to clear account now I only owed $230.56. I reply by saying that's that's not fare. he told me well pay your bills next time so I told him I don't need the attitude so let me talk to your Supervisor. he hung up the phone so now the war has begun with me.

Now as a result to this matter I have been placed in the Credit Bureau for a closed bad account and the company is accuring interest and fees on this account so on this note please add me to a CLASS ACTION SUIT AGAINST APPLIED BANK TODAY OR TOMORROW. Thanks and God Bless we will win at the end.

It has brought my FICO points down and now my wife and I are trying to purchase a new home and I need my balance to be under $200.00 per my debit lawyer counsler.

I got this credit to help improve my credit but I could not keep up with the demands they were making on me. No matter what i did I could not get ahead of the charges they were putting on my bill. They would say the minimum payment was $25.00 and I would pay $50.00 this was not enough. I soon asked they cancel the account and allow me to pay the balance. I had some financial issues come up and was unable to pay more then the minimum and soon I was up to $1000.00 dollars owed and harrassing phone calls from foreigners trying to get money for the debt, but I don't feel I owe them $1000.00

I feel my actual bill should be less than $200.00 the extra $800.00 is the charges they have tacked on. They call and lead you on by saying we will put you on a debt payment plan and after six months your credit will back on track but you will still owe the 800.00 I have told them that I would pay my debt but not the extra charges and over limit but they refuse to work with me I have talk to many different people there and none of them speak english not even the supervisors.

My credit is ruined because this company is unwilling to work with me. They insist on charging outrageous fees and making sure they can charge over the limit. They direct their advertising towards people with bad credit once they get you in the interest rate and monthly fees and all other charges put you in a worse position then you were in.

My balance was $481, then they charged me with a late fee of $32 and an overlimit fee of $32 and a monthly maintenance fee of $10.95, plus a finance charge of $16.09. I wasn't over the limit until they tacked on all their fees.

I closed this credit card over a year ago and they are still charging me the overlimit fees, maintenance fees, finance charges, and late fees. I called and tried to get a settlement so I could get rid of this card and I told them I would send them $336 and they told me that was fine, but when I sent it I got another bill and it was $851, after I sent them the $336. My credit limit was only $500, and now it is almost $700, because I have been sending them money to try and pay it off. They are still sending me bills and charging me all their fees.

They call my home and cell phone starting as early as 8:00am and as late as 9:00pm, more than 10 times a day.

I have been paying 30.00 to 40.00 dollars a month and not noticing an increase in my avail credit. Upon closer review of my bill I found I was being charged interest for a cash advance. I have never got a cash advance on any of my credit cards. Out of 50.00 they took 22.00 in interest, 6.94 of which I didn't owe, 6.95 for online payment, 10.95 for fees and left 10.00 to put toward my acct. Yet 1.00 was credited to my avail credit. I have to reach customer service but you can not get a live person to discuss your complaints with. I have never missed a payment in the years I have had this card. However I have decided that I will take the black mark against my credit because I refuse to continue to feed a bottomless pit.

I'm struggling ot make the payments and because they are charging money I don't owe, I can not get caught up and with the economy the way it is I can no longer afford to give them money for free so I have as of yesterday made the only decision I could and that is to damage my credit by refusing to make anymore payments to this account.

I've had surgeries that put me behind in my bills. Applied out me on a program and I've been paying $45.00 a month on time, as promised. I also keep on getting call after call, 7 days a weeks, asking when I am going to pay my bill. I paid on time in July and they wanted to know when I would be making my next payment, in the beginning of August! I asked them when my due date was, and they told me the 30th. My payment is not due until Aug. 30th and they are calling me at the beginning of August for a payment that is not due for 3 plus weeks! I am outraged at the harassment and would love for something to be done. All these complainants can't be wrong.

The 1st time my available credit was $48.00+ and I bought $48.00 worth of gasoline. Then the company tacked on their $7.95 online payment fee that sent me over the limint causing me to be subsequently charged for going over my limit. Mind you, the available credit stated on my online account services menu had allready reflected the payment made but they waited until the day I spent the $$ to add the $7.95 charge. This time I had an available credit limit of $51.00 and spent under $50.00 as was UNDER the ammount reflected on my statement. Once again they waited until THE DAY I spent this credit to add this charge thus enabling them to add another charge! I can't even believe people are allowed to run a buissness based on dishonesty and scaming the customer.

I got this card to build my credit in order to buy a home. When I applied my credit score was 650+ and now it is a 507 after many months of paying on time (even the proposterous overage fees) and I am just sick to my stomache that people are allowed to abuse honest hard working citizens the way they have. Now if I cancell this STUPID card it will reflect even more negatively on my report thus making it even harder to buy a home!

It seems there are a lot of people who have had incompetent, negligent and fraudulent activities on behalf of Applied Card Bank. I am victim of their shady practices. I am willing to go in on a class action lawsuit if others would like to join me.

3 weeks ago, I made a payment to them for $136.95 but instead they debited my checking for $1, 044.00 three different times creating a snow ball effect of overdraft fees! been disputing this with them for 3 weeks. Every time I talk to someone, I get a different story. Two different managers said that AB would credit my checking account the overdraft fees. All I would have to do is fax over an Affidavit of Forgery. I did that. Now, the same managers are saying there is nothing they will do for me even though they assured me that they would take care of the situation.

They are scammers!!

Because of all the overdrafts that occurred due to their unauthorized debits, I have had absolutely no money for the past 3 weeks. I had to borrow money to just live. This ordeal has created enormous stress to the point of me breaking down on the phone while talking to AB.

I have had many problems with this company, including all the fradulent charges and fees. Most recently, due to financial reasons, my husband and I went through Consumer Credit Counseling Services to try to get everything back on track. I have been receiving so many harrassing phone calls from them. They speak limited English and are VERY rude. I have asked them over and over to stop calling me at work and they are still doing it. In fact on Monday, I was on the phone for about 20 minutes while at work and gave them all the contact info for CCCS including the account number, name of counselor, phone #, etc. They assurred me no more work phone calls would be made. They have received a payment from CCCS and they are still harrassing me for more money.

Again today I got another call demanding money, on my work phone. He wanted all the info i gave on Monday and I told him i couldn't because i am working. He contuned to harrass, insisting i make another payment today. He promised me once again no more work phone calls. I am so tired of this, they call on my cell and owrk and my husbands cell phone. It is embarrassing at work and frustrating because I have asked them not to call and they continue to do so.

I am constanly worried that they will call and my bosses can hear and co-workers have asked me what is going on. It has been a constant nightmare and i am really tired of being stressed about it. i don't want to lose my job over this. Is there any action I can take against them? This is the worst company I have ever dealt with. Thank you.

I have been an Applied Card member for about a year now and I recommend that you go some place else. You can never get ahold of Customer service because the phone number they give you puts you in a customer service loop with no way of talking to someone and they have no email address.

I went on line today to see my account and I was shocked. I made a double payment, like I do every month, on the 5th of August and it states that I owe them money again on 08/12 and I am well below my credit limit. Do not get a credit card from this company because all of the hidden fees and interest rate kill you. My account will be paid in full in September and I will look some place else for a card.

I enclosed the front and back of deposited m/o requested and also a copy of the U.S. Service Delivery Confirmation Receipt dated 11/1/06 and their records have it as being delivered on 11/4/06 @ 5:14 a.m. This shows that the payment was shipped by two-day priority mail and it was delivered on time. I have never been late making a payment on this account EVER and I really would appreciate it that [they] will clear all of those late and over the limit fees from this account and close it as well and I wished to be reimbursed for the $12.00 fee for the m/o claim. I have been getting several calls on my job and even on Sundays late up until 8:30 p.m. and this is unacceptable. I have not heard a response regarding the April 30, 2007 letter that I sent [Applied Card Bank] about this matter.

APPLIED BANK IS STILL BILLING ME FOR OVER THE LIMIT FEES FROM THIS AND I FEEL I SHOULD NOT HAVE TO PAY THEM, I have never been late with a payment and I refused to pay for August, this is wrong.

If they told him the acount number and other such information, why couldn't they tell him the purchases made? I think that there weren't any and that they just hoped he would pay it and not look into it! They told him over the phone that he was responsible for paying it off even though he had never heard of it or even gotten a bill! My fiance has never received a bill so he is not out any money directly to them, however it has hurt his credit and has caused him to not be able to obtain loans or make purchases that he should have had the credit to make. Higher interest rates have cost him more money in the long run and he has had to have a lower standard of living.

I accepted the applied bank card in march of 2007. I did so to improve my credit rating. I was also a full-time college student at the time and thought that it could come in handy. I just recently became a victim of the bank's cruel and unusual practices. I was recently chareged an over-limit fee. I knew that I was close to my limit, but I was almost certain that I was safe. Since I was so close to my limit, I did not question it much. I paid the fee and that was that. I accidentally used my card for a soda at walmart while in a rush during my lunch break. My fault! Paid it, and I was told that I was in the clear and should be current and back in good standing.

Now, after all of that and paying more than the min. balance, I accrued another over-limit fee. I contacted customer service and was told a bunch of non-helpful junk that resulted in me just making sure that I was clear on what I needed to do as to not get charged again. I was fiery mad and really felt like this was beginning to become repetitious. What's even worse is that after deducting the amount I went over (not even 2 bucks) finance charges, maintenance fee, and over-limit fee- there was enough money left to pay the maintenance fee again. (because I do believe they charge you for it again in between you finding out about the overlimit fee.

The customer service rep. could not explain why the fee was placed on my account, she just gave me an address to send a dispute to. I am waiting to see the outcome of that now. I must say I don't think I went over the first time unless they changed the dates like some others have claimed they do. I was never over or late. Had been given an increase to 850 months ago. I do not mind taking responsibilty for my actions. Someone needs to see that this bank takes full responsibility for theirs. I am afraid to check my credit report; However please keeep me informed on any class action suit info.

I have not checked credit report yet, but I have suffered financial losses, and stress related to these unexplainable fees. It is very stressful to one day think you are improving your credit, then to find out, it's all down hill.

I went over my limit on my credit card account because of interest rates being so high 28% and other fees charged by this company. For months I attempted to reach Applied Bank but was never able to speak to anyone in person. Their phone system either cuts you off or loops you back to your account. After a few months my account was turned over to collections Oxford Management in order to collect the amount due. I called Oxford Management on many occasions and have dates and names. My experience with this company was horrific. Oxford offered me a lack of professionalism, lack of common courtesy, and most of all extreme annoyance. Why do you have to speak to a different person every time you call with no prevail?

After receiving no assistance from Oxford, I decided to write the President and his staff of the company. Soon thereafter the account was sent to another financial institute named Pinnacle Financial Group. At first, things appeared to be the same as the difficult experience I had with Oxford and Applied Bank. For months I continued to call and attempted to work out a payment agreement with no success. Once again, I wrote letters to the company President and his staff. After a few weeks I got a call from the Operations Director Steve M. Steve was very helpful and worked with me to settle this account. Steve even sent me a letter pertaining to our discussion. This was something nobody was willing to do in the months that lead up to our conversation. My principal balance was 1865.38. Note that over 600 dollars of this amount were from fees and charges by Applied Bank.

Steve agreed in writing to contact Applied Bank and offer a settlement of 1100.00. This is also in writing and agreed upon by all parties involved. Steve ensured me in writing that this would reflect as account paid in full on my credit report. We set up a payment arrangement and the 1100.00 was paid in full and on time. Once the account was paid I was issued a letter explaining that my account was paid in full. This final letter was dated June 2007. Note I have been working on this issue since December 2006.

Time passed and after continuous monitoring of my credit report there was still no sign that my account was paid in full and closed. This past week 7-2008 I start getting calls from another collection agency name Narrs at my parent's house of all places. They want to know when I am going to pay 700 plus dollars. I was shocked that they would call my parents and that this issue was not resolved. I informed them that I had settled this account in full with Pinnacle and Steve. Bottom line is this never ending cycle continues to develop. I have spent hours, days and months sending letters in good faith to get this account resolved only to hold up my end of the bargain and be harassed again. Applied Bank is very un-cooperative and I am so tired of going through this vicious cycle. I left Steve a voicemail this morning asking for his assistance.

My next course of action is my States Attorney General, FTC, BBB, and possible legal action. This has to stop. Reading some of the other posts I realize there are many people like me that need help breaking the chains that is Applied Bank and there shady tasteless tactics. For anyone out there going through anything like I am going through remember, get everything in writing, get all names and times contacted. I have a book of letters contacts and times that I have available to show how I got to this point. I have spent time, money, letters sent, work time, health, anxiety, depression, continuous irritability. My family thanks I am irresponsible when I have worked so hard to fix this problem

Applied Bank is calling my home and leaving an automated message that repeats itself 8 to 10 times. This has been going on for two weeks at all times of the day. I have called them twice and told them that the person they are looking for (I was given the name of someone I had never heard of who apparently has an account with them)does not live here.

I have had this phone number for over 15 years and they can easily check that. I will give them permission to do that if they need it. Their tactics are tying up an innocent persons phone line. Their persistent calleing amounts to unncessary harassment of someone who has no account with Applied Bank and never had one at any time in the past.

If there is a class action against them, I want to put my name in the pot. I owe them in round figures $1,000. They charge 22% interest plus $10.95 a month handling fee. The handling fee goes on your account on the 10th of the month and the interest goes on when your statement closes on the 5th.

I pay them $75 a month, and I am always over my limit. When you look on line at your statement and balance, it shows $10.95 was added on the 10th, and you figure $22 average will be added for interest. Therefore, if I wanted to use my card at Wendy's, I can afford a salad and a drink. But no - that's not the way they handle things. They charged $10.95 on the 10th, $22 on the 4th, and another $39 on the 4th for you going over your limit on JUNE 10th when they added the 10.95 again...because I paid on line for a charge of $5.95.

This is crazy. They don't add fees for 30 days after the closing of the previous month, and you are held responsible. Their customer service person said every bank has a right to set it's own schedule and that's the way they do business.

I have paid $75 a month on $1,000 for six months and continue to be over the limit by $3 and $4 - for which they charge another $39 each time. There seems no way to pay this bank off.

I paid off my credit card (I recommend anyone who has one do it as well) And they still kept trying to charge even though I cancelled the card 7 months previously. Customer service is hard to get ahold of. You keep getting looped on the phone system.

Consequences is it will affect your credit report but I got rid of them.

Applied Card Bank has been calling my home number several times a day, every day, to include Saturdays and Sundays. The caller ID says Unknown Name and phone number 866-873-8592. The calls begin at 8:05am or 8:06am MDT and proceed throughout the day every two hours. That is until the evening hours where the calls increase to approximately every 33 minutes, which halt at approximately 8:00pm. THE END RESULT IS 12 HOURS OF CONTINUOUS INCOMING CALLS EVERY SINGLE DAY.

They keep putting fraudulent charges on my account They keep putting me over the limit and have been charged hundreds of dollars they call several times a day a ever time you have to explain the situation to a new person

I keep getting charged cash advance fees every month. They average anywhere from $3/month. I know that's not much, but when you average that in over a year, I'm getting charged $36 for cash advances that I never got. I don't do cash advances on credit cards yet every month, there's a fee added into my balance. I tried calling customer service and got stuck in a phone tree loop. Their site says they have somebody there until 11:30pm ET. I called around 8:30pm ET. I press the number to speak to a customer service representative and it kicks me back to an automated account balance message so that I'm unable to actually get clarification on, or dispute, these frivilous charges.

I too have been the victim of getting charged for being over balance, when in fact, I knew I wasn't; however, it seems these guys are locked down so tightly, you can't get in contact with anybody to discuss it. While they encourage you to check statements, etc online, they don't offer any sort of online assistance or contact information UNLESS you are disputing a merchant charge (not an AB charge).

I made a payment by mail on my account and I made sure that I mailed it well in advance of the due date and still got stuck with late fees and over the limit fee because the payment was not posted to my account until after the due date which resulted in a bunch of fees. This is not the first time this has happened to me with this card and you can not get any relief from their customer service.

Because of these fees I can never get the account paided down it is like a never ending circle. This is causing, my credit score to go down.

I have a credit card with Applied Bank, had for a couple of years now. I ALWAYS make my payments ON TIME! However, Applied Bank claims they received one payment of mine 4 days late and now they are charging me $180.00 over and above my last ON TIME payment to them. I called their customer service and was told that although I do have an excellent payment history... there is nothing they can do. In short they want the $180.00!!!!

Applied Card Bank representative promised to remove late fee and overlimit fee which resulted not because my personal card use, but due to thier monthly maintenace fee and internet charges when I paid. Also, payment was not posted timely. Promise to remove these fees was discussed 4 months ago. They were not removed as promised and they continue to add them on monthly. I have been paying until 2 months ago. I sent in a reference letter via mail to request fees removed and as of 6-1-08, the letter was never recieved, which did not surprise me, so I have called back and sent via fax.

Credit reporting Score has dropped and continues to drop. I am in process of refi to end ARM mortgage note and go to a fixed rate so that I will not lose home.

I opened an account with Applied Bank. I had been paying on time each month. And they increased my credit limit over the phone. They charged me $100.00 to do this without informing me. That there would be a fee and If I had known I would have declined. They started reporting me as being late to the credit bureaus. Which I was never late.

This had damaged my credit rating and my credit score has been dropped since this incident.

I opened an account with Applied Bank. I had been paying on time each month. And they increased my credit limit over the phone. They charged me $100.00 to do this without informing me. That there would be a fee and If I had known I would have declined. They started reporting me as being late to the credit bureaus. Which I was never late. This has ruined my credit. When In fact this was there error not mine. I always paid on time this why the increased my credit limit. I contacted them and they wrote a letter to me stating we are able to honor your request to remove the delinquency from your credit report.

This had damaged my credit rating and my credit score has been dropped since this incident. I am asking they take the one time late off of my credit report.

They keep putting fraudulent charges on my account

They keep putting me over the limit and have been charged hundreds of dollars

I opened this account at their invitation. I am soon to be 20 years old and I am a student, but I pride myself with perfect credit. This banks seems to want to ruin my credit, but I will not let them. When this bank accessed me an over the limit fee and could not properly explain why, I got very suspicious. I found out that this is an ongoing practice for this bank. I decided to close this account out and stopped using this card in March. I still cannot get an available credit balance on this account because everytime you turn around they are accessing me an over the limit fee, or a late fee. They use the excuse that once their monthly fee is posted to the account and 5 days later finance charges are accessed it causes your available credit to be exhausted.

I made a payment on their website May 1, 2008 before leaving town to stay with a relative because I was ill. I guess there was a glitch in their web page and they did not get my payment. My bank did obtain an authorization for the amount of the payment to Applied Bank, which they held for 5 to 7 days, and when Applied Bank did not process any paperwork the authorization fell off. I receive no courtesy. They flat out refused to reverse any charges and in fact told me that I now needed not only to pay the payment that they did not receive on May 1 because of their web page glitch, but I now needed to pay the fees accessed and the June 4 payment, or they would accept nothing on my account and they would report me to the bureau. So I agreed to pay the $166. I then am told by the representative that I better pay more because a statement that is coming out to me on June 10 is accessing me another late fee and over the limit fee. So now I have to pay them not only the May 5 payment that I paid on May 1, but also the June 4 payment that is not even due yet and another portion of money to cover these fees that are going to be billed to me in June.

All together I had to pay $206.95, which included the over the telephone payment fee that they would not give me a courtesy to waive. This is on an account that has not been used since March 2008. I have a $500 limit with this bank and after not charging on it since March and making a payment today, 5/28/08 that covered the May payment that they did not receive, accessed charges and the June 4 payment that is not even due, I have about $20 something dollars as a credit on this account.

Well I have made this a priority, and I will not let this bank get away with this practice. Today I am filing a complaint with the Attorney General's Office in California. This bank has never met Jerry Brown, boy are they in trouble. I am filing a complaint wth the Federal Trades Commission in California; and a complaint with the District Attorney's Office in my County. To do business in California you must file with the Secretary of State; and you are bound to follow the collection practices and the laws of the State of California, not the State of Deleware. I will also contact an attorney, who specializes in Class Actions . Don't let this bank get away with what they are doing. They are preying on the most vulnerable.

This has caused me a significant hardship. My grandmother supports our family. I had to drop out of school to take care of her and my father who have become very ill. It is my grandmother who is paying all of these fees for me and she is on Social Security Disability. I fear that this bank will ruin my credit, even though I am paying everything that they are requesting. I also paid my account again in May when they did not receive the initial payment I made online on May 1 before it was 30 days late. They are not suppose to report me, and if they do that will ruin my good credit and I will not be able to salvage it without a court order ordering this bank to fix it. I can't sleep at night and my grandmother is alway crying about this. This is punitive what they are doing to me.

I hate being cheated. My credit card company charged me an over limit fee of $32 which put me over my limit by $15. Hmm... without the charge I would not be over my limit. I called them. They tried to tell me that the $32 charge was put on when a $4.51 cent charge I made a nearly a month earlier, yet it does not appear until now. So why do they wait to post it until May 9 when the charge was made on April 11? So that I do not know it is there when I look at my online charges!

Now the only reason I was near my limit is because the previous month they hit me with a $50 fee for something wich put me over. Then added a $32 over limit fee for that. $82 in charges that they essentially made up. $114 in all the last 2 months in bogus fees. Then since they made me go over my limit they also put it on my credit report which hurts my credit rating. It dropped 27 points as a result of their ripping me off. This will mean I will not get the rate I want refinancing my house. So I call them up yesterday. Unfortunately they cannot help me because a tornado struck their computer center.

Today I call and they can access my records. They try and explain the charges, and I simply ask why it takes 28 days for any charges to appear anywhere and why I am being charged for over limit fees when I am not over my limit. I get nothing from the call center lady so I have her transfer me to a supervisor. I argued my case with the supervisor who tries to give me the same line. Finally she tells me that I have to submit some sort of letter to try and get the charges removed. I get the address and continue pointing out the flaws in their system. Supervisor finally gets mad, says have a nice day and hangs up on me. Well, I will certainly be contacting my lawyer and going over the fair credit reporting act and related rules as to when they should post charges and about charge notifications. I will also look into why they do not keep a running balance available for my viewing as well.

Up until they started putting on these made up charges, I never had a problem with them and everything was paid on time. I guess they don't make enough money from good customers, so they try and turn them into bad customers. I know there are laws about such practices and I intend to find them and do what I can to force them to abide by them. I am sure I am not the only person that they are trying to run scams on. They done messed with the wrong dude. Stay away from Applied bank. Anyone know of any such laws that can help me?

the consequences of their actions has caused a 27 point drop in my credit score as they report the over limit fees to the credit reporting agencies. Because of this I will have to pay higher interest on my home refinance or forgo refinancing all together until i can repair the damage they have caused to my credit score.

I have read the complaints of many about Applied Bank. I am in the same position where I cant get out from under their charges. Please complaint to the BBB and FDIC. It only takes a few minutes on line. If enought people file complaints then maybe we can make a differences and the agency that regulates them will stop the company.

can't get ahead and this is a financal hardship on one income family. I have learned a expences lesson with this company.

Received a credit card with a limit of $500 just like most others. Certain charges were assessed and has caused over the limit fees, late fees and any other fees they possibly can charge. I have been offered many discounts to fully pay off the balance but the amount always changed in less than a month. Finally called to settle the debt because I found it so very hard to pay the balance.

Also, upon losing a job, I filed for unemployment insurance which i was also getting charged. it's been almost a year and the claim status of my unemployment never progressed. I still continue to accrue numerous fees. Until i spoke to a rep, he offered the hardship program which he stated with great confidence I will not incurr any fees such as late/over the limit fees during the program so long as i set up a recurring monthly fee of $98. Which i did and come to find out, i still get the stupid late/over the limit fees. The APR is now at 29,99%, and everytime I pay the balance increases and never decreases. I forsee that the balance may never go away.

I want to close the account but 3 different reps say I can or I cannot. The customer service is horrible, rude and insist that we don't know what we're doing. Not to mention they don't even have a toll free # to call them for live Customer Service. Long story short, I want to file a class action lawsuit or would like to join one against this company and put an end to all our problems. I have inquired to see about filing the Class Lawsuit. I am hoping a lawyer will get in touch w/me soon so we can move forward.

Stress and agony is what this company has caused me and my family. Time consuming to get someone to give me a solid answer. Every different rep is a different response.

I received multiple calls and request that the mail or email with any problems or issues just because I want documentation of my financial transactions (I've just found that they charged me twice for online payment). I have this on file from a couple years previous. In stating they wouldn't call they closed my account. They state they can close my account for any reason. Further, they have written off any further discussion. They have my phone number on record, and require it when I pay online.

Constrict my budget, cash flow, and opportunities for education when I cannot finance. Hard to estimate the damage to my credit.

I received a letter a couple of days ago regarding a delinquent account from a credit card company I've never heard of for the amount of $1004.19. I called the number and asked what this was regarding and besides speaking to the rudest person, she couldn't give me any information about the account!

I've never heard of this company and she told me the charge is 3 years old and they've had it for 2 years. Pretty funny since I've never received any statements regarding such a bill in the 8 years I've lived at this address. Also, I purchased some property a couple of years ago for over 200k and my credit, as usual, was perfect.

I don't know what kind of scam this is but I became very suspicious when the woman couldn't give me any information regarding said account. I gave her a file number and she told me I would have to contact Cross Country Bank regarding any information about that account. Obviously I won't be responding to any of their letters if there are any more. This was the first one in 3 years so maybe I won't receive another for a while. This whole thing doesn't sound very credible to me.

I have an account with Applied Card Bank. Because of all the fees and interest rate, I closed my account. I was put in their 'hardship' program for 6 months, beginning April 1, 2008, because I lost my job.

Despite the fact I am enrolled in this program, and despite the fact I made my first payment of $35 on time, I still continue to receive calls from them, sometimes 5 a day and even on Sundays, telling me my account is in arrears and I owe them $400 or so. I have spoken with at least 6 people and told them I am in the hardship program, and I am told by them this program doesn't exist anymore. I explain to everyone I speak with that I was put into this program by one of their representatives, and consider it a vaild contractual agreement, which I am upholding by making my payments.

The harassing phone calls continue, with people asking me when I will be making my next payment. I have even had people ask me IF I've made my payment. They seem to be more intent on harassing me than actually looking at my account to find out whether I'm paying.

When I direct them to my account and they see I have made that months payment, they then ask me when I will be making my next payment. I received one particular call one week after them having received my payement. I am still receiving these phone calls daily, even though my next month's payment isn't even due yet. This is nothing other than pure and simple harassment for the sake of harassing me. I continue to receive these collection calls despite the fact I have entered into an agreement with them and am abiding by its terms. I am very interested in filing a formal complaint with the State's Attorney's office of the proper jurisdiction so they will make them stop this unlawful activity immediately.

It's annoying, harassing, and every time I see their number on my phone, I start to get really upset and angry. This is happening daily and I have no idea why these employees are instructed to harangue and harass people when it's illegal under my circumstances to do so. This is very upsetting to me. I am upholding my end of the bargain, yet they continue to wilfully and purposefully cause me distress by calling me more than once every day and just as many times on the weekend.

I don't even have an account with Applied Bank, and they have been calling me four the last month, 3 to 6 time's a day, every 3 hours from 9 a.m. to 8 p.m. looking for some one that has an account with them (first name Kurt.) I have told them on each occasion that they have the wrong phone number. They are still calling me to find this person.

I am now looking in to fialing charge's againest this corperation for harressment do to all of the anoying and on going phone call's.(I don't feel I should have to pay to have my # changed do to all the call's from them, and there incompatins and not understanding the words YOU HAVE THE WRONG PHONE NUMBER. THERE IS NO KURT AT THIS NUMBER.)

my cell phone bill has gone up sense the call's started witch has caused mental stress.

on April 6th I responded to a letter from applied card bank to pay off my credit card at a discount.(considering they just tacked on over the limit fees after charging finance charges. my payments that they set only get me further and further in debt each month. so I have decided to take the discounted offer to pay off my credit card and get rid of it. The catch you have to use their site and pay a fee of 6.95. I used their site provided bank information. checked on it 2 days later and it showed that I was now 519.00 iover the limit.

I called customer service and talked to a very nice gentlemen named patrick for 45 minutes. he said that there was a line error and the payment wasn't completed. now I have yet another over the limit fee and late fee. I attempt to pay by debit card and am now informed that 218.00 more to pay off my account.per ( Jennifer a supervisor) thats just how it is. the 467.10 is no longer going to pay it off. i chose to make the 467.10 and talk to a supervisor. so now I think they took the payment and will haggle the rest. not true. the payment once again was not processed for whatever reason.

I havent used this card since christmas and have paid my card every month. the due date has changed and thrown this off. I have bank records from where I pay it through on line banking. this is a credit card with an 500.00 limit but I cant seem to pay it off even when they give me special offers they dont hold up on there end. I want to pay that amount and be done with this card.

several over the limit fees that are creating a financial burden. I just want to keep my credit clean and pay my bills on time. they also wont give the bank electronic statements to help with paying in a timely manner.

Last June I received an Applied Bank credit card with a $500 credit limit. I used the card one time for $100 and then lost my job. I was unable to even make a minimum payment and the next thing i know I am being charged $32 a month for late fees. Well it didn't take long for that to go over the limit so now I am being charged $64 for the late and over the limit fees. I have found employment and I called to get things straightened out. I paid them $700 for which i thought would bring the card current.

I called them on March 26, 2008 to make sure everything was current only to find out that I still owed $195 and that was just to get it below the $500 credit limit. I told the lady that I just wanted to cancel the card and she said there was a program where they suspend the card for 6 months, during that time there are no late fees or over the limit fees and it gives you an opportunity to catch up. I said great sign me up! Today I receive a bill showing another $32 late charge and $32 over the credit limit.

I again call Applied Bank and they tell me that there are no notations like that on my account and that they no longer offer that program. I am at my wits end with these people. I have an outstanding balance of $683 for a $500 credit limit account and this is after I made a $700 payment.

I went online to pay my account before the 19th of April so that I would not assess an over the limit fee like last month because the billing was the 19th of the month. When doing an engine search for Applied Bank I came across Applied Bank Lawsuit and I clicked on to the link just to see what it said and as I began to read the complaints I thought to myself that is unfortunate that these people were experiencing that problem I had not had that experience. So I continued to log on to the Applied Bank Website to pay my account so there would not be an over the limit account fee. To my suprise I was already charged the $32 over the limit fee. Welcome to the party. I spoke with a rep who could not thoroughly explain why so I asked to be connected to a supervisor She identified herself as Jackie.

To make a long story short. I asked her why I was being charged the $32 over the limit fee when I paid the last over the limit fee billed to me on March 19 and the only thing that would make me over the limit was the 10.95 maintenance fee they were to charge on the 19th of April. They do not give you any credit for paying of the over the limit by the due date given and charge you twice a month for over the limit fees. These acts are unfair and unjust to consumers really trying to restore their credit. And change the billing date randomly. I closed the account and said until I investigated the claims of others and contacted the better business bureau I declined to pay at this time. she informed me that I would still be assessed the same fee even the matainance fee of an account that is closed.

Negative report to credit bureau and financial hardship in trying to keep up with payments that only increase regardless to making payments on time.

My acct. was placed in collections. The collection company told me I owe 350.00 I had that. Then I talked to Applied Bank and they told me I had a credit of 196.93. The rep. I spoke told me to fax a letter asking for the bal. on the other acct. When to send the return. I gave them all of that information. On april 2, 2008.

So today I call asking for the hard copy of the other acct. they told me i owe 49.00 but the collection acgency said I owe 2,234. I credit report and 49.00. Since I over paid on the first acct. that whey I call to see what the bal. was. And they told me they owe me. But now they are telling me they are going to keep it for fee and all of that. I asked them I didn't the tell me on April 2, now they told me I had a refund. The collection agency they want 2,223. But Applied say I only owe 49.08. So who do I pay?

I'm trying to clean up my credit report and they are holding me up.

Every since I obtained this Applied Bank Credit Card I have had so many false charges on my statement I can not keep up with them. I pay my bill online and I am still charged an over the limit fee among others. I call and call and most of the time they hang up on you. They can never explain to you with any satisfaction why they keep charging these unneccessary fees. The FDIC should step in and do something. I have read so many complaints today about Applied Bank that there really should be a Class Action Law Suit against them.

This has caused me great financial hardship since I am a disabled college student. I am so frustrated and in fear that I will never be able to pay these people off and it will ruin my credit.

I also have an Applied Bank account. I also have received over limit fees of $32.00. I can't seem to get them paid down. I feel the over limit fees make my account over the limit. I have tried e-mails and cannot contact anyone. Phone calls don't get me anywhere.

I have had my card with Applied Bank since November 2007 and I have been in debt to them ever since. From approximately the second month of dealing with them, they have charged me consistent over limit fees when I had a balance on the account. Example would be sending them $182 and they take everything but $30 in fees and then turn around and charge me $32 over limit or late fee bringing my account back to zero so of course, I owe them MORE money! You cannot and will not get current on this card. They are out to take every penny they can get from you and your only recourse is having your credit ruined (you took this card specifically to BETTER your credit!). They have total false advertisement, are ripping off the people that cannot afford to pay these charges. I don't have any idea what they took the $152 for on my last payment. You cannot get a straight answer when you call them, plus they charge you for the call! PLEASE someone in the legal arena, HELP us poor idiots that thought we were doing something to improve our lives. I am going to be sued by this company, be hauled into court, my salary garnished because I can't pay my regular bills when they are sucking money out of me as fast as I make it. This is serious business and I do not believe an attorney has not jumped on this company. Someone out there, please take heed and help.

I have had to take money that is earmarked for normal bills (rent, utilities, food, medical expenses) in order to send this company bogus charges or have them contacting me at work, harassing me for unfair and unauthorized fees. My husband has kidney disease and almost died 2 months ago and I didn't have enough money to pay the co-pays to get him into the hospital because I had to pay $182 in fees to this company!

I received an applied credit card in the mail. I had a $500 credit limit. All was great. I used all but $20 on the card. Not realizing all the fees, I went over the limit by .35 cents. Which I did not know I was over until the next bill. I was charged an overdraft fee. I paid that and $100 extra on my bill. When the next bill came in I was charged an over the limit fee again. I called customer service and they told me it was because it was over in the same billing cycle that I had just paid. I asked to speak with the manager (which they are all incompetent) he was no help at all. I asked him where I could find this information in the rights packet they send you and he could not advise me where that was. I immediately paid off the card and cancelled it. I will never associate myself with this bank and I hope that other people learn from my mistake.

I was charged 2 months worth of fees for something that I had not known.

I received an Applied Bank credit card sometime in late 2006. I charged up ~$500 with the first couple months, but then paid $300. I called a couple days later and they told me I still owed them another $112 in 2 weeks! I just paid them $300! They got a supervisor on the phone and said I would not have to make a payment and they would waive the late fee. I was like, what late fee?

Recently, I let my account go delinquent (yes, my fault). But they sent me a letter in the mail saying that if I paid all the late charges and the current amount due that they would restore my credit and let me go back to making payments. So when I got my tax return, I called and paid my account up-to-date. The person I spoke with on the phone verified that my credit would be restored. I asked her several times as I have never had anyone make this offer before. She said, yes all the way back to when you first got the card, all late payments will be listed as on time. She told me it takes 60 days before it shows up on my credit report.

I haven't received a statement so I called Applied Bank. They said my account had been charged off before I even made my payment! I asked him how could they take my payment then and tell me my credit would be restored if my account was charged off? He said let me see if you qualify for the restore your credit plan if you make another payment. I said I was already told I qualify for the restore your credit plan. He went and spoke with a supervisor and said they would erase my credit history and just show my account as charged off. I was like how is that any better? I realize I got myself into this mess and I was trying to fix it and clean-up my credit. I am scared to even look at my credit and see what they have put on it. Just ridiculous!

If I would have known my account had been charged off and there was no saving my credit history, I would have set up payment plans. I could have then used this money to pay off another credit card that was not delinquent.

I had a Cross Country bank card 9 years ago and settled on it. Now Applied Bank has put a charge off on my credit report which is keeping me from getting student loans for my children. I can't have a negative on my credit report from Applied Bank. This debt was Cross Country, ten years ago.

I closed my credit card--what with the interest rate, monthly $10.00 fee and the $6.95 internet payment fee. I have never been able to mail a payment because it never arrives. Strange? After holding for over 30 minutes, Applied could not give me a pay off; so once I paid off my current balance, I get a bill for $2.55 the following statement. I mail in the payment, thinking that I could for once avoid the $6.95 payment fee. No, after 20 days I had to go on the internet and pay to avoid additional late fees. Ever ask for a supervisor or direct answer? Well, you can forget it.

I spent the cost of phone calls, time in dealing with rude employees, and I believe I lost money due to their business practices.

I have had my Applied Bank Card since October, 2007. By the end of October, I started to wonder why I had never received a statement. I got online to find out the due date; and sure enough, the day I looked, I was one day past due. I went ahead and paid the minimum amount due but was very unhappy that I wasn't given notice of the due date. Since October, 2007, I have not received one single statement from Applied Bank. My $950 dollar balance is now almost to $1400 just with these ridiculous charges. My husband wanted to pay off all credit card debt with our income tax refund.

I called Applied Bank to find out the balance and found not only did they neglect to send me a statement, they changed my due date as well. They have reported this on my credit report. Now they are sending me letters trying to collect the over the limit fees. Funny, they can send me letters but not a statement. I have verified my address several times and still no monthly statement. Today I have filed a report with their local Better Business Bureau and to my state senator. These criminals need to be stopped. I would suggest that any credit card holder with Applied Bank do the same.

Late fees, over the limit fees, reports on my credit report.

I have been paying my bill on time and even paying more than the minimum payment due. Every time a receive my statement, it shows an over-limit fee. I called them and ask why I keep getting an over limit fee. They always tell me I was late with a payment. They also increased my credit limit to $500.00. I called them and instructed them not to raise my credit limit any more. They always bill you for a purchases of $8.68 with a cash advance of $1.27--giving you a total of $9.95. They also charge you a $10.95 monthly maintenance fee. I called them and asked them to lower my apr from 33.0% and 30.37% on cash advance. They said that if I pay on time for 6 months they could lower to 22% maybe. I have been paying on time.

They claim my payments arrive late, and this is why I receive a late fee and over limit fee. I am going to pay them what I owe, and as soon as my payment is received I will try to close the account out. This company is ripping consumers who are trying to go from a bad credit report to a good credit report. Can some thng be done with this company? I will be glad when I pay this credit card off.

At this time I am not sure. I am going to pay the balance in full and see if I can close the mess out. I will get back with you after I see what happens when I pay the full balance.

Why is it that every time a consumer gets a credit card and cannot pay back the loan, it is always the bank's fault. If a person cannot be responsible enough to pay back the loan, then they should be called and collected upon. All banks are required by LAW to disclose all fees prior to the consumer accepting the loan.

I received an Applied Bank credit card with a $500.00 limit. I had a Ch7 Bankruptcy and was advised by my lawyer to get a credit card to build my credit. I started using the card on 1-23-08 and now have a bill that charges $100.00 for finance charges. I was also charged for cash advances and the $10.95 monthly maintenance. Today I transferred my $400.00 balance to WAMU. I am really glad I'll get my WAMU card in a week. I am destroying my Applied Bank scammers card! These people should be in jail!

It's a good thing this was discovered before paying my first bill, before they could ruin any credit. This really damages any good will I might have had for the credit card companies. I was definitely scammed out of at least $100.00! I better not hear from these people again!

I have had this card for about 5 months if that. Now we are having problems with their billing cycle that is stating we are always over the limit. We have been paying double payments, and only 2 show up. Every time we try to contact them they always make up an excuse. We are not not paying them.

BAD FOR OUR CREDIT.

Applied bank has the rudest customer service I have ever experienced. I don't have an account with them (thank goodness), but I was calling on behalf of a friend stationed in Iraq. I just wanted to know if this service member could be placed under the Servicemen Civil Act (actually he should), but this rep said I couldn't do it even with a power of attorney. That's crazy. What does she expect--for him to pause the war so that he can tell her to do her job? Some people need to adjust how they do business, and of course I couldn't find an email or number to get to Directors of the company. I will contact the military lawyers, though. I guess this is how people act for those that risk there lives for others.

Is there any email address that Applied Card Bank has? Has anyone totally ignored them and not paid at all? What happened? I need to close my account, and talking to them over the phone is not working. I want to give them a notice of the need to close my account and for them to stop charging me fees before I start making payments.

The company added some hotel/restaurant savings program onto my card without my knowledge. When they did this, it caused the credit limit to be exceeded and added an over the limit fee. I asked the fee for the savings program to be removed which it was; the over the credit limit fee was also to be removed, which it was. But when I received my statement they had added another over the limit fee. I called to rectify the situation and was treated rudely. No one could explain why the fee was added. I decided to not pay anymore on this card figuring I would be further ahead.

In 2003 I started payments on a debt repayment program through Applied Bank Card of $38.00 a month by debit from my checking account. In Feb '07 I called them and told them I had to start sending my payment in by mail. I was late, and all the late fees, over the limit fees and the interest rate jumped back up to over a $1000.00. It took me four years and about $1400.00 later to get this card down to $400. And within the last year they have put it back over $1000.00 again. Now I get a letter from NCO Financial Collections and a letter from the National Arbitration forum that it's been put in Arbitration.What now?

I received my monthly statement with an overlimit fee. I could not see where this overlimit came from so I call them and they either could not explain only that there was going to be an over limit fee of $35.00. I advise them I was going to go ahead and payoff this account and request them to close this account. He then responded by saying that even if I cancel this account there will also be another charge for the bill of March of another overlimit fee of $35.00 plus the monthly maintenance fee of $10.95. I cannot understand how it is possible they can charge a $35.00 overlimit fee when there is a 0 balance on the account. They also said that even if I close this account there will continue to be maintenance fees because it can take up to 90 days to close the account.

My credit score hangs in the balance and i am paying $100-$200 a month to this company and it never seems to lower my limit? I don't get it..

I have an Applied Bank card since 2007. It seems like I have been charged over-limit fees every other month. I called these rude people to find out why I keep being charged these fees, and always get the same stupid answers, "because you were over the limit during your billing cycle".

I talked to one of their reps and was told I would not be charged a fee as long as my payment was made before the billing cycle ended. I don't know if it would be best to just not pay the bill at all. I guess I'll just wait for them to contact me about the outstanding balance, then I could tell them the same thing they keep telling me, "Yep I know the card is over the limit"!

I applied for a credit card in November 2007. They told me I would receive a letter in the mail. So I assumed I was turned down since I did not. In Jan of '08 I received a bill for the monthly maintenance--a fee of almost $80.00 dollars. l called and told them that I never got a card from them. I was told on the phone that I would receive a card from them and not to worry about the due date of Jan. 15, '08.

O received the new card so started using it. On about Jan. 21, '08, I received a bill stating overlimit and late fees for a card that I just received and had been told not to worry about paying.

Again I called; they said they'd look into this. I got a letter stating there wasn't any thing they could do about any fees except the one for express delivery because I should have paid my bill. Why should I pay a bill for a card that I didn't even know was approved until two months later?

Again I am trying to work with them about ridiculous over limit fee and late fees which are mounting up. They send me a letter saying to call Robert Macintosh to settle for less than the full balance. I get someone named Shelton who says they never let you talk to Robert MacIntosh, and is unwilling to waive the fees and let me pay our true balances. He denies messing up the account to begin with and would not put me on a hardship months ago.

What should I do to handle these people? Send the balance I truly owe and hope for the best--that they don't sue us for false fees? Or wait, pay nothing, and be on the class action suit? Please respond; thanks. I'm in a debt that I can't get caught up.

After several months of trying to get these people to take off all the bogus charges and just let us pay the balance off and be done with them, they just keep piling on charges. They offered us the hardship program if I wrote to a certain department. Well, that never came true; they delayed closing my account for long time to which they still keep adding fees to date. I am sending them two checks for the balance of both my account and my son's, but I'm sure it will not be enough because they still want their bogus fees.

They write me letters with numbers to reach them, but employers tell me I can not talk to them. Then I write to them and just get nasty replies. They were unsympathetic to me, a DISABLED single mother of two whose child support was sent to Illinois by mistake for about 10 weeks, leaving me in a terrible hardship. Other charge card companies waived the late charges, but Applied Bank would not--when actually they were at fault to begin with by not crediting my account for payments mailed before this happened.

I paid off this card. I called and canceled it. I received a bill for $75.00 for yearly membership. I called back explaining I did not want the card and canceled it. Now I have an outstanding balance of $433.65. I asked the rep to see if the card was ever used; it shouldn't have been since I don't have the card. They never responded to this request.

This will cause bad credit.

I have a credit card with Applied Bank. I have had it for almost a year. I always make my payments on time every month. I sent a payment of $100.00 to Applied Bank on January 2nd, 2008. I received a letter today in the mail stating that my payment was not received, and I need to send payment ASAP. I went online to check my payment status with Applied Bank and noticed the check was posted on the 22nd of January. I was charged a late charge of $32.00 and an over the limit fee of $32.00. When I finally was able to reach a representative from Applied Bank, I was told they received the payment on the 22nd and posted it the same day. I was informed that it was probably the post office's fault, but there was nothing they could due to rectify the situation. I was then told that in order to have the charges removed I needed to write to them explaining the situation, and then one of their specialists will review my account and make a decision.

I told the representative that I wanted to speak to a supervisor, and she put me on hold to get one. To my dismay it was the same representative I was speaking to before, only she tried to disguise her voice. She said her name was Barbara. She would not give me her last name, however she gave me an id# of B1H. She assured me that my account reflects a good payment history, however this payment came late and that was my fault. She did not want to hear my side of the story, because her Bank does not make mistakes. Again I was told to send a letter requesting the charges be credited to my account. Their representatives are plain rude, with no concerns to the customer's needs. I am afraid this is all a scam.

I am only out $64.00, but my concern is that this will continue monthly. I have never been treated this poorly by a bank. How many other individuals have had this problem? From what I read online there are many just like me that want a class action suit started against this Bank. How can we get this started?

I opened this account years ago, being young and not having credit history. However it has done more to destroy my credit than anything else. They sent me a card with a much lower balance than promised and added a ton of fees to it. I thought I had taken care of this card, by closing it- but when I recently obtained my credit report- I found it was still on there- as a collection account- and not only that- for $2153.10!- in fees and penalities i suppose- far above my few hundred dollar limit I was granted years ago.

My deliquent account is now with a collection agency where no one knows any information on how I could owe the original creditor ( Cross Country Bank) Of course i I wanted an itemized list showing how I owe them this money, - but all my attempts to contact Cross Country Bank or Applied Card Bank have failed- they have no contact information that I can find- no way to find out how in the world they account for this and are reporting it to the credit bureaus.

After assurances that further zero-limit/late fees would not be added my latest statement, I had a zero-limit fee levied after a faxed request to have 2 other fees removed. Customer service told me that there should be no reason why the fees would not be removed because of the circumstances. All this time the account has been closed. This cc company charges you for making regular payments, and they get away with it by sending your monthly statement out at such a late date that if you mail your payment in, it will be late--and you will accrue a 32.00 late fee.

This is the very worst cc company I have ever dealt with. My only hope is to eat the $96.00 in fees charged and pay this credit card off before they can figure out other ways of taking advantage of their customers. I'm disabled and on a fixed budget, and the unwarranted fees I have been charged have made it impossible to pay other legitimate bills on time.

I was charged a $32 late fee over a 5 cent charge. A 5 cent charge!

Then they wanted me to write the company a letter explaining why I was upset over the 5 cent charge and why the late fee should be removed.

I am a nursing student, so $32 is a lot of money to me. It's gas money to and from school and lunch money.

After two years with Applied Card (at the time, Cross Country) Bank, I had established a credit limit of $1400. In December 2003, due to continued unemployment, my account went into default with a balance of ~$2000 due to late fees (and overlimit fees caused by the late fees). I instructed CCB to close the account, apply my $1400 security to the balance, then bill me for the remainder. Instead, they have left the account open, refusing to close it and use the security for its intended purpose. As a result, this account has been on my credit report as way overlimit and >90 days late for the past 4 years. I've tried 12 times, no exaggeration, to get them to update the account status and apply my security deposit, but every time I call, I get someone who has no clue what I'm talking about. If I write, I get a letter back asking for more information. My impression is that they're stalling me in the hope that I'll give up and pay the $2000 on top of the $1400 that they've been holding.

Having this account on my credit report is doing ongoing harm. All of my other accounts are OK, but ACB's failure to act in accordance with their own policies is keeping my FICO score down and preventing me from making progress in my financial recovery.

This firm has lied about late payments. I pay this account electronically through my bank account. They claim I was late by a few days once. When I told them how I made payments, they then said I was late a few times. They also said that because I was late on a couple of days that they didn't report it to any of the credit reporting agencies. I received my annual credit reports, and sure enough, no lates ever posted. I have all my bank records that prove Applied Card Bank is lying. I reported them to the FDIC website.

I asked Applied card bank for a lower interest rate. I am currently at their default rate of 29.9% Wow! They said the only rate available if approved is 23.9%. This firm is a thief. On my monthly statements, they charge me $36.00 in interest and fees. At that rate, the $1100 I owe will never be paid off. We all need to file a class action lawsuit just as was done against Cross Country Bank.

This has ruined my credit score, my health and my faith in the credit industry.

I received an offer from applied bank with a credit limit of $500 in July '07. I just turned 20, and since I did not have any credit history I figured this would be a chance for me to build my credit. I paid my bill on time the first two months of having the card. I ran into some money trouble at the end of September, so I called Applied Bank to let them know my payment would be late, and they said that was fine. I immediately received reminders to return my account standing by paying the minimum payment PLUS enough to reduce my balance below the credit limit. In Oct. I was able to do exactly that. I doubled up on my payment and paid extra to cover the maintenance fee and finance charges. On my next statement I noticed that I was still charged $32 over the limit fees, even though I paid extra. My statements since then clearly show I am paid to date and below the credit limit, but I am still being charged $32 each month in over the limit fees. They charge this fee twice a month on the 7th and the 12th. The payment due date doesn't even matter.

This would put anyone over the limit! I called to complain and ask that they remove the $32 fee, and I was actually told that it didn't matter--that I paid on time, as well as before the due date. They will charge the $32 on the 7th of the month, even though I am not over the limit. I am over the limit AFTER they add this fee which I should not have been charged in the first place! This makes no sense, and they won't remove the charge. Also the $32 fee is considered a cash advance at 29.99%. I cant believe a company can get away with this. It is crazy and unethical, a real scam. I regret ever accepting this company's offer.

I am in a financial bind because of this company, and I'm worried that I will not be rid of them!

I applied for this credit card and was charged a very high interest rate that was not clearly detailed. I was making payments until I became unemployed. I then called to inform the bank of this and was informed that I could be put on a payment plan while doing so the interest rate would be lowered and the late payment fees stopped. This is not the case I have noticed that the bank has kept on charging me late fees and kept the high interest rate of 20.99% applied to the balance.

After noticing this for two billing periods. I then asked for the account to be closed. A representative of the bank told me they would not close the account and would charge me interest and late payments regardless. Now there representatives call my house and harass me and my family, very rudely.

tThey wouldn't waive the late fees although it was their fault in excess of $500.00. I've agreed to pay balance but could not work with them. They are harassing and rude. Also my son has card with them; same problem. We just want to pay off account without extra $500.00 fees. I sent 2 payments: one for $30.00 for one account and one for $70.00 for other account. They will not rectify switching payments to wrong accounts in order to cause over-limit and late fees. they will not let me talk to people who wrote that it has been rectified when it hasn't.

Our credit is in danger from them and damaged. They have caused me much anxiety and duress. I am disabled unable to get legal council.

I called to ask if they could lower my interest rate, and I got a response stating that this bank only offers this rate and nothing less. They informed me since I missed one payment that my interest rate would go up not down. Miss one payment and my interest rate goes up, what kind of bank is this???

I asked them if they would match a credit offer I got in the mail for a rate of 12.9% and they said NO. I asked if I could close my account and they also told me that my interest and fees would be charged until my account was paid in full to a zero balance.

What is a person to do to lower their interest rate before it goes completely out of control?

I never had an Applied Bank card; I had a Cross Country card, and it was paid off. The Cross County card was taken off my credit report, and the Applied card was put on it and said I owe $1,040.00.

This ruined my credit. I am a disabled woman and get small loans frp, time to time and cannot do it now. The interest rate on my truck is 21%; they just killed me.

I got behind with Applied Card Bank and they said they could put me in a program to stop the late fees and would debit my checking account. No fees were reversed or stopped, and I made another hour long call. They are sharks!

Collection on this debt has been dismissed and and discontinued in Nassau County Court of the State of NY. This company continues to report me to the Credit Bureas as a valid debt. Experian and Trans Union refuse to accept my proof from the County Clerk. Equifax on the other hand has deleted this from my file.

This has continued to affect my credit since the inception of this debt.

There were unauthorized charges on my Applied Bank card. When I called to request the charges be reversed it took them months, and they charged me overlimit fees for those fraudulent charges and refused to take them off. They then put a higher percentage rate on the card and tried to force me to pay all the charges and outlandish fees. Igot tired of fighting with them, so I gave up and quit paying the card fees. They call my house and my work harassing me two to three times a day; I have on several occasions requested them to stop. They have not and insist on me paying these fees.

I now have an outstanding bad credit debt on my report. It has destroyed any chance of my receiving a loan to help my son through college.

I received my Applied Bank card several weeks ago but could not activate it because they entered an invalid social security number in my files. Despite their error, they continue charging me for activation fees and seemingly late or monthly fees as my balance continues to grow. I advised them that they made the decision to invalidate my card so they have no reason to charge me for any fees, yet the charges continue to accrue.

Throughout the process they called me several times trying to get me to send them money. I asked them several questions they could not answer; they stopped calling me; they are now sending me e.mails. During my last conversation with them, I advised them that I was going to file a complaint with the Florida State's Attorney's office; they told me I could hire an attorney if that is what I wanted to do. I realized they were not paying close attention to what I was saying OR they were incapable of understanding what I was saying. I do not want to do business with Applied Bank.

This Applied Bank credit card is major scam. I always paid off my balance exactly as stated, and in few days, they charge me unexplainable charges. It is a rip-off. I tried closing it, and they say it will cost me $10 plus, $8 and etc. to close the account. They really take advantage and have no shame at all.

November 22 I received a letter from Applied Bank with a credit card in it. I have never applied for a credit card. I call the company, and they asked me to put in the account number. I put it in and an automated guy says "Your account has been activated." I wasn't calling to activate; I was simply calling for information. I've been trying to get through for 5 days,waiting for a minimum of 30 minutes each call. I got through today by calling their payment number; they say I signed the application and owe $493 when I only but $260 on the card.

I am willing to pay what I owe on the card, but the other charges are ridiculous, had not idea about, and never signed anything. Also, the card for some reason has my name but a different social security number; I have no idea how it happened. I need advice; I'm only 20 years old. Customer Service is the worst and very rude--and also wouldn't let me cancel.

I received a call from a fast talking person who told me that I have been qualified to receive a credit card from Applied Bank. The next week I get a letter from the bank stating that they have been trying to reach me via email. I called the number on the letter and find that I had been given a credit card and had a balance due of $110.00. I had not received a credit card nor a statement and did not know why I owed them. According to the application information provided to me over the phone there was no annual fee. So I called and asked them to cancel the card, but the rep said she closed the account out. It really should have been canceled since I never activated or received the card.

This will show as a credit card closure on my credit report which is not good. Their method is under-handed and a rip-off to the consumer. They were not honest and are charging people money before they even activate or accept the card. I have nothing in writing from them which binds me to doing business with them.

Four months ago my Applied Card Bank card got misplaced, so I called customer service and reported my card as stolen. I had $0 balance on my card so she assured me that my card is blocked and cannot be used until they send me the new one. I never got the new card, and after four months got emailed that my card is past due and is being reported to the three major credit bureaus as delinquent.Their customer service number has no option to talk to the customer service representative. I have to go through their card payment system.

Finally I got through and was told the charges are all maintenance and late fee charges. I told her the card was blocked four months ago. She said she's going to make the balance "zero" and close the card, but she hung up on me. After several attempts I got through again, spoke with Manager, and he closed my account. I'm not sure how this will affect my credit.

I was late on a payment due to a move and a job change. I was told by a customer service rep that if I paid $67.00 by 10-26-07 that this action would bring my account up-to-date. I did this. The payment was made electronically so that it would be recieved faster. My bank showed that payment was made to Applied Bank Card on 10-23-07. I called the bank center and was informed that I now owed a $99.00 payment for being over the limit and that the payment they recieved was late!! I looked on the online account screen and noticed that the payment recieved on 10-23-07 was not posted to my account until 11-8-07!

I had a credit card placed in collection. The collection agency sent me a letter with an offer from Applied Card Bank to "clear your credit". I was to pay nearly twice the amount of my original credit limit in exchange for the account being completely removed from my credit report. I paid $1571.30 on 7/31/07. I was told that once payment cleared the change to my credit report would be effective immediately.

After weeks of giving Applied Card Bank time to remove this negative account from my credit report, nothing was done. I called the company and was then told that it might take up to 90 days to remove this account from my credit report. After 92 days, on 11/1/07, I called this company again and was told it would be taken care of and I would get a call back the next day. I never did, so I called again. There was no answer so I left a message

This company is in breach of contract. I paid them as agreed and they have yet to remove this account from my credit reports. I have filed two disputes with the credit bureaus and both disputes came back to me as being invalid.

I paid my entire Applied Card Bank balance in full with the intention of canceling as soon as I had confirmation they had received it. I waited a few days, called up their fourth-rate customer service line, which costs 50 cents the first two times you use it, then $10.50 each additional time. I was told by an automated voice that my remaining balance was eight dollars and change. I paid the full balance listed on my invoice and certainly hadn't used the card in months prior, so it's my belief that these additional fees were fabricated by Applied Card Bank, both to suck a few extra pennies out of me and also of leaving a balance on my account and thereby throwing on next month's $10 maintenance fee. What maintenance could possibly be required on a closed credit account? I plan to pay this bogus twenty dollars by check and be done with this company. If they attempt to steal anymore of my money, however, I'll be left with no other option but to contact a lawyer.

Applied Card Bank offered the worst service I've ever experienced from a credit company in my life.

I opened an account with Applied Card Bank hoping to use it to pay tuition and just pay each month. I was charged an origination fee of $100.00, a monthly maintenance fee, a cash advance fee (which I never used) and finance charges and banks fees. I charged $350.00 of my tuition fee and with all the other fees, my balance is $513.04. I called and got the run around. I told them to close my account, and they said that all fees would still be charged. My parents have called the Better Business Bureau, and I will be filing a lawsuit against Applied Bank.

I signed up for Applied Card Bank thinking to boost my credit. They charge me $65 a month plus another $10.95 even if I don't use the card. The agreement stated a maximum of $15.00 a month. I have inquired about paying off and canceling my account--and I mysteriously get disconnected.

We have to pay more and more each month that wasn't expected, and now it's beginning to put a strain on us financially.

I have been calling Applied Card Bank for a week and can't get a live person on the phone. I reviewed my online statement and noticed a late payment charge dated 10/24/07. I made a payment by mail which they received on 10/09/07, and my payment wasn't due until 10/19/07. This means they received my payment earlier than the due date, and I shouldn't have been billed the $32 late fee. I have been trying to correct this problem, but I can't speak to a representative no matter what time of day I call.

I've read on the website that they charge 50-cents per inquiry, and as many times as I've called I'm sure I've racked up on these charges. This kind of business should be considered illegal.

I have had an account with Applied Bank Card for only 4 months. They had a lot of hidden fees that the contract didn't explain. So now I have closed the account.

Fees every time I turned around

We had two accounts Applied Card Bank; one has been closed for two years, but paid down slowly and paid it off in the last couple of months. We are now being hit with a participation fee. The account has been closed for two years and paid off for two months--no one with ACB gives us an answer when we call for the reason for the fee.

A check was mailed to Applied Bank on Oct. 16, 2007 for the amount of $400.00. This has not been credited to my account. It is now Sept. 8, 2007. When I called, they said to give it 30 days. No one at Applied Bank is able to answer my questions about this matter. HELP!

Bad credit rating for too high of a balance.

I am out of $308.00 dollars, I received no final bill stating that the account was paid in full, only a automated recording that states that i have a 0 balance, my credit report shows a $1.00 balance due, I am unable to contact company, will there suddenly be additional fees for this balance.....

My wife applied for this card on line. There was no mention in the application about annual fees. She received the card and tried to activate it and it would not go through. She received a bill which showed an Account Activation fee: $50.00, Monthly Maintenance Fee: $10.95, Overnight Delivery Fee (?): $20.00 and then showed some purchases (on this yet to be activated card): $0.53, Cash Advance (to whom?): $0.87. So this yet to be activated card with a measly $500 credit line now has $82.35 charged to it.

I applied for this card over an Internet site. On the application form was a box to indicate whether payment insurance was required. I ALWAYS carry insurance on my cards due to my profession, which is Hospice work. When my patient passes away, I am unemployed until the next call. I accidentally checked the 'no' box, but didn't realize that until I had clicked the 'submit' button.

During the activation call, I made the customer service rep aware of the situation and that I needed to have the payment insurance put on my card due to my profession. I was assured by this person that they would rectify the matter and for me not to worry. My first statement arrived and there was no mention of the insurance. I called Applied and inquired; they assured me that it would be on my next months' statement - it wasn't. This prompted another call from me...again, assurances that it would be taken care of.

This was months and months ago and yes, I am between jobs and yes, Applied never rectified the insurance and yes, my balance went from $500.00 to almost $1,500 and is still climbing. Up until a week ago, they called me between six and eight times each and every day, including weekends!

I tried the customer service number and kept getting automated service. Customer service will not pick up. I have requested my credit card cancelled and as a last resort called the lost and stolen. He gave me the same number that I have been calling for days and then hung up on me. I want this card cancelled immediately. If I can't cancel the card they will charge me another annual fee for a card I no longer want.

I've been getting calls continually from different individuals for sometime now, day and night. They ask for my son who had an account with Applied Card bank. I’ve advised all that call that he no longer lives with us. A person identifying himself as Brian called and asked to talk to my son. I advised Brian that my son no longer stayed with us. I also told him that I had been receiving numerous calls and I wanted them stopped. He said that he would continue to call as long as he wanted to. I told him not to call again and he kind of chuckled and said he would call again.

I'm 70 yrs. of age and trying to raise two of my grand children. I'm also a disabled veteran and I don't appreciate someone like Brian and his attitude calling after he's been advised that the individual he's trying to reach is not around any longer.

I asked for the payoff amount on my credit card. I was given the amount due and I then asked if we could negotiate the monthly maintenance fees and the finance charges so that I could pay this card off before closing on my house. The representative told me that they could take off the fees that had piled up if I would make a payment in the amount of $652.70. I agreed to the settlement offer but did not agree to the $7 charge they wanted to charge me by paying it by phone- so I told her I'd send them a check and asked her to please close out my account with them!

I mailed the check for $652.70 and in the subject line I wrote FINAL PAYMENT, PAYOFF AMT. My check cleared the bank on Feb 20th of 2007 and I haven't heard a word from them until yesterday. They are demanding payment in the amount of $399.20! They claim that there is no record of my call to the rep.

I had paid my account off in full. 4 days later I went to use my card and it was declined. I called Applied Card Bank and I was told that my account was paid the day before and that payment may take 4-12 days to clear my personal bank. I told them I paid my card 4 days earlier and it DID clear my bank. The person I spoke to was a Direct Supervisor and she called me a LIAR and said there is no way my payment cleared my bank already and that I should have thought about having money with me before I went out of town. VERY RUDE!

They back-post charges even though they haven't even paid the charge. For example, you use the card on 3/1/2007 and the charge comes through to them on 3/3/2007 for payment and posts to your account. However, on 3/3/2007 they post it with a transaction date of 3/1/2007 and a POST date of 3/1/2007 not 3/3/2007! They don't pay the charge for me until 3/3/2007 but charge me interest from the transaction date?

I had closed my account and unfortunately made my monthly payment 27 cents short, which they then charged me $32.00 for being "late" which then made me "over limit" (by the late fee) and added ANOTHER $32.00. I closed the account and I’m paying them off and getting these people out of my life.

I paid off and closed this card account over FIVE YEARS ago. At that point it was Cross County bank. They are now saying there is some kind of unpaid balance of over $500.00 supposed interest that has never been paid. Why was this "Interest" never brought to my attention by Cross County bank five years ago?

This unpaid interest came out of nowhere and FIVE YEARS after this card was paid off and closed. They have called and harassed my parents and are now calling my cell phone five or six times a day to try and collect this bogus extra interest fee, I do not know if this company has reported on my credit yet. But the harassment of my parents who have NOTHING to do with this account is uncalled for, and the fees incurred on my cell phone by their constant calling and text messaging me is getting expensive.

I have made on-time payments to this credit card company, never being late. They are failing to applied the money that I send in to the balance of my credit card. Attempts to clear this matter, from myself, with this company have resulted in no success. I spoken with the supervisor, Allan P - employee # AP9, and each time she has rushed me off the phone. The payment in question was posted to my account on Dec. 7, 2006, cleared my bank on Dec. 8, 2006 but has yet to be credited to my account.

My payment was due on Dec. 29, 2006 which was well before the due date. The amount due on this date was $35 but I sent a check for $300. I was told by the supervisor, Allan P, that the reason it hasn't cleared was because I paid by check. The payments I have made to my account in the past were made by the same checking account as the $300 payment. I was informed that I must pay on-line, for a fee or by money order - for a fee as well. I feel that I am being penalized for making a payment via US mail. Any help in this matter is greatly appreciated. Thank you very much. William E. Hall

I have medications that I need to take daily. Because of the hold on my credit card, (from no fault of my own) I am unable to obtain the medications that I need.

I pay on-line because Applied Card can't seem to get my new address correct and send statements.So I pay on-line to avoid a late fee include the 6.95 fee to pay on-line in my payment. Applied then tacks on the on-line fee which makes my credit limit over then they charge an over the limit fee it's ridiculous. They report this to the credit bureaus which lowers your credit score for high balance I have been on the phone trying to get this situation cleared with Applied and make the customer service reps understand..It's a loss. They will be owing me money in the end..........

Applied for credit card online ... a few weeks later receive credit card from this company, it says call to activate. I do not, then I get a bill stating what I owe with no way out including 11 monthly fees and $50 fee. I use card, then decide to pay off in full, record all conversations as they repeatedly issue me new cards even after I decline and report cards lost/ stolen.

Today I receive another bill with $506 paid in full, charges for 2 lost cards and a ton of added fees. I once again call-probably 6th recorded conversation, they promise acct is closed however have no confirmation number, nothing.

Received statements at previous address. Moved December 2005, called to change address as well as wrote new address on envelope, never received any further statements. Called 3 additional times to make sure I received statement and to make them aware that I wanted to pay on the acount. They repeated address back to me and said that the problem would be fixed to no avail!

I've now been turned into a collection agency which my parents were contacted in the form of harasing phone calls. My parents contact information was never on account. When I spoke to the collection representative he repeated back new address and phone number as well. As a result, I'm incurring late fees and bad credit reporting, also accruing interest. I have still never received anything in writing (ie: statement) and feel that they are purposely trying to continue to let the account accrue interest for their benefit.

I have not received a paper or online bill friom them in months! I think when they switched from Cross Country Bank to Applied Card Bank they just never bothered. However, they DO call my home ALL THE TIME. It would be nice for THEM to initiate a bill...since they are in business to make money. I never know any due dates or anything. To be honest, when I don't get a bill, I forget, but then they call!

I applied for and received a Cross Country Bank Card in September of 2004. My initial limit was $500. Today I finally was able to pay off my account and close it out. During my year and half as a customer I was outrageously charged for everything I did pertaining to this account. If I received a credit line increase of $250, I was charged a $100 fee. If I made a payment online I was charged $6.95, If I was late on a payment (which thankfully I never was) I was charged $35, If I was over my credit limit, I was charged $35, if I called to check my balance over the phone I was charged $0.50.

After about 9 months of having the card, Cross Country was bought out by a company called Applied Card Bank, and they retained the same charge for everything policies as Cross Country Bank. While I never had a problem with a payment not getting to where it needed to, I am very disappointed in the unethical overcharging for everything on the account. It is entirely ridiculous that a consumer should be gouged for credit line increases, making a payment, or even checking a balance, and on top of that to be paying a whopping 23.9% interest on all purchases, and 30% interest rate on all cash advances. I have to honestly thank my next door neighbor for advising me to go get a fixed rate signature loan to pay off all my credit cards and close all of my accounts out, otherwise I would still be paying minimum payments on a card that would have never gotten paid off.

Someone needs to regulate the interest rate levels, and what these companies can charge for. While their actions may not be illegal, they definitely are extremely unethical. I will never again use high interest credit cards. I have retained my Household Bank credit card because it has a credit limit of $300, and $0 balance on it currently, and a very manageable 13.65% interest rate, which is the best interest rate I have found so far other than my Military Star card which is now paid off.

This company continually increases minimum payment due and has reported as delinquent although payments have been made regularly. Has ignored requests to cancel card and repeatedly harrasses by mail and phone. I hope to get Tennessee involved in the long list of class action suits against this company.

Has raised minimum payment due from $35. to $180.

I sign up for this credit card company thinking it would help me establish my credit.After seeing the high rates and penalties i was hit with. I had the card shut off.After being shutoff I was hit with maintanace fee Banking fees and paying on the internet fees.I pay 35.00 a month plus 6.95 for paying by internet.I called and explained that I only get paid twice a month and sometimes the payment might be a day or so late.One check goes to rent and the second one towards bills food and transpotation.

I was told if you are one minute late paying us you will be charged we don't care.I was also told this is how we make our money.The late fee is 32.00 so this company plans to make close to 75.00 a month off a card I do not use.This company formely known as Cross Coutry Bank has already been sued for practicing consumer ripoff policies and even if I have to keep paying until I payoff the bill I want other consumers to be warned of the bully tactics and lack of compassion this company shows.

I sent an electronic payment to Applied card bank for monthly payment via their web site, I received a confirmation number and was done with it, or so I thought... day's later I noticed that the payment had still not been debited from my bank account, so I contacted Applied Card Bank to see if there was a problem with the payment. I was assured by Desmond, the representative that the payment had gone through, it just takes a few days to come out of the account... well 5 day's later and several long distance conversations, I was told that my payment was returned, and to contact my bank, however my bank states that there was never a payment submitted from them to my account.

Applied card maintains that payment was sent, however they refused to even speak with my bank... I have now been hit with fees, my credit score has dropped by 78 points because of neg info they reported, I was tring to rebuild my credit, but that has just gone out the window because of them. I have closed out this account. This company is the worst.

This is Cross Country Banks' new name, don't let it fool you. I used my banks' bill-pay service to pay an amount to Applied Card Bank that was before the due date, and much more than the minimum payment. Mysteriously, even though my bank has received electronic confirmation back from ACB (Applied Card Bank) indicating that they received the payment, nothing shows on my account or by available balance. Customer service calls, which cost like five bucks each AND are toll calls, give me the same fax us this information merry-go-round.

How am I to be sure they'll get this if they won't even acknowledge receiving the payment in question? Also interesting is the fact that if when I used their website e-pay option (which incurs a 6.95 fee), none of this occurred. When I try to e-pay without paying their fee, suddenly there is a five business day processing time that is never mentioned in their published policies. So, now I don't know what to do. My bank says the money is with ACB, and they claim to know nothing. Since they have no pending payment (they claim), they cannot help me. If this drags past my payment due date of Jan 3, you bet they'll attach a late fee, and there won't be any five day processing for that!!!