Courtney of Denver CO (08/08/08) 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.
Richard of Orange, VA August 7, 2008
Richard of Orange VA (08/07/08) 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.
Gloria of Jackson, MS August 6, 2008
Gloria of Jackson MS (08/06/08) 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.
Aldora of N Carrollton, MS July 24, 2008
Aldora of N Carrollton MS (07/24/08) 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.
Paul of Chicago, IL July 15, 2008
Paul of Chicago IL (07/15/08) 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.
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