Cross Country Bank

They contacted me after 11 years for $756 on $250 credit limit.

I was given promise after promise until after I did everything asked (which included paying off three-four credit cards which wasn't an easy task just before Christmas) to be told they hit a bump in the road. Something they didn't notice on the credit report before? Now after I asked for a copy of the credit report, I was told they couldn't give it to me. It's my report!

I did have two credit cards with Cross Country Bank that I used for my trucking company. My company went down and I filed for bankruptcy in 2001 and these cards were included with the filing. So I thought the matter was settled. But now I have received a letter from the IRS saying that I did not claim a cancellation of debt on my last year income tax (2010) from a company I had no knowledge of. The company is ECAST Settlement Corp. This was a debt that was supposed to be taken care of in the bankruptcy. I was married to someone else at the time of the bankruptcy. We were divorced in 2002 and then he died two years later. I am now remarried to another man and this has been carried over to his taxes. He is being blamed for something he had nothing to do with. The debt should have been covered with the bankruptcy.

We now have to pay additional taxes and fees for something I did not know anything about. We will pay the taxes but I really think this was not a fair action taken by the company. They should have at least sent me a notice that I owed them and that they were sending the IRS this info. They did not give me the chance to know what was happening. How can you claim this on your taxes if you have no idea that this happened? My husband is very upset about having to pay for something he never had anything to do with.

I have been trying to get Cross Country to stop demanding money from me for almost 12 years or more. There was a card sent to me years ago, but I cut it up. I didn't ask for it and it was not used at all. Then a year later, I was told that I owed them $200.00, and I needed to make a payment. I told them I had not used the card. So, how could I owe them? I was not sending them a penny. This went on for years and then it was on my credit report. I have been trying to get it removed for years now with no success. Yesterday, 10/3/11, I received a phone call from another collections department, demanding money. I told the man that I was not paying a debt I didn't owe. At one point, a few years back, I was so tired of the calls. I asked, whomever it was, what I could do to stop all of this. I was told to send them $100.00, and it would all be cleared up and off of my credit report. I did send the money, but nothing was ever done to stop this. My bill with them is now over $600.00 for a card that was never used. What the heck do I have to do to stop all of this?

How would you deal with a mortgage company that misrepresented itself, constantly changes its reasoning, and has caused problems with a refinance? My husband and I signed a good faith estimate with Andrew ** of Cross Country Mortgage at 6850 Miller Road, Brecksville, Ohio 44141 who said that he could get us 4.25% for a Fannie Mae Refi Plus. At the time that we signed (November 3rd), we were told that the rate could be locked but he wanted to wait a few more days to see if the rate would go down some more.

That night, I called another company who we had been talking with and told them that we were going with someone else. The other company told me that they could now give me 4%. I wanted to check with the company we had signed with before doing anything. I emailed Andrew and he replied that they would be able to get me the 4% as well, so I stayed with them. The rate did go down to 4%.

A few days later, we were told that we were approved for the loan, no appraisal was needed, but there was some title work that needed to be done. Nothing was said about not locking the rate so I believed that it had been locked at the lowest rate. Andrew told me that he did not want to tell me not to make my monthly mortgage payment but that we should close before month's end and in doing so, he would have to request another payoff amount and the paperwork would have to be redone (the first request charged a $10.00 fee to my mortgage).

Since this was mid November, I went with what he said and did not make the payment. On November 23, he called my home and left me a message to call him. On November 24th, while on my way to Tennessee for the holiday, I called him. He told me that the title work was finally done but due to the holiday and our being out of town, I should make the payment. He also stated that he should be able to close the week after the holiday. We texted back and forth on Monday, 11/29/10, and set a meeting for Wednesday, December 1st, at 6:00 pm to close.

Again, nothing was said about the rate lock. I felt that since he was supposed to be working for me, it had been done when the rates were at the lowest. On Wednesday, December 1st, Andrew called me three hours before we were supposed to meet and told me that he had not locked in the rate previously and when he went to check them on Monday, they had gone up to 4.75%. I asked him why the rate had not been locked when it was at the low 4% and was told that he had wanted to wait until the title work was done. I asked him why and he could not give me a legitimate reason.

This is something I have never heard of. Since this was not what we had agreed on, he cancelled the meeting to see if the rates would go down again. They haven't. He then promised to call me every other day to let me know where we stood. I did not hear from him for almost a week even after I had called and left messages at all of the numbers I had for him. At one time, I texted him and asked when he was going to get things taken care of and that I wanted the rate that he had promised. He simply answered that he was working on it.

Finally on December 9th, after several attempts on my own to reach him, he called my home number (even though he had my cell number and knew that was the best way to reach me), spoke with my husband (who has not been handling this--I have) and told him that he would be willing to work something out to keep our loan. He was willing to "eat" some of the cost. He told my husband that he would call back on Friday before 5:00 pm. We waited and the call never came in.

On Monday, December 13th, I attempted to call both his office and cell phones, leaving messages at both numbers. (I have done this before and have gotten no response). This time, he called me back around 5:30 and basically told me that it was their company policy not to lock the rate until closing because you never know what could happen. I told him that after speaking with several other mortgage brokers and loan officers, a closing should not take longer than 30 days and a 30 day rate lock should have been applied. He then changed his story by saying that his company only offered 15 rate locks without cost and we would have gone past that.

I reiterated that we signed on 11/3 and were supposed to close on 12/1 which would have been within the 30 days of a normal rate lock and should not have been a problem. If he had locked it when it went to 4%, that would have put the end of the rate lock at 12/6 at least giving us even more time. Again, the story as to why he did not lock the rate changed. I was very upset.

On December 14th, I called to speak with his manager, Mike **. I had to leave a message. He was not able to give me any better explanation as to why they did not lock the rate. At one time, he even tried to tell me, "What if we had locked the rate, and then it went down to 3.95%? You would have been upset that you did not get that." I told him that I would have been happy with the 4.25% and I would have understood that the rate lock was in place.

He then told me that the best he could do was to take $1,000.00 off of the closing costs which would in effect save me about $40.00 a month for the next two years. This would not lower my rate for the 28 years after that. I don't understand why no rate lock was in place! The call did not go well. I am writing this in order to make sure that others know what I went through with Cross Country Mortgage. I want to make sure that they know to ask repeatedly if the rate was locked.

In reference to our conversation today regarding your Cross Country Bank account, ARA Inc. has agreed to the following agreement: Upon receiving your check by phone payment for $977.88 by September 23, 2010 and when this payment clears as paid, your account will be paid in full and satisfied. Additionally, ARA Inc. will not report any derogatory information to the credit bureaus. If for any reason this agreement is not met, this offer becomes null and void and the full balance of $977.88 will become past due.

After numerous calls and messages Mrs. ** finally got on the phone and confirmed receipt of my request for information and she said she submitted the paperwork to Cross Country on 9/23 and by law must allow 60 days to receive back requested docs. Well, I've been trying to get a hold of Mrs. ** for one week now since 12/6/10 to finally close this case out. She doesn't return calls, therefore I ask ARA to find someone who is willing to help me and got Don at ext **. He said I owe this money and yes they received the documents from Cross Country but can't send them to me but can be provided to me in court when they file a judgment against me! What! Finally after going through this story with Don from the beginning, he said they will close this case because I have been very diligent and on top of this. I requested Don provide me with a letter in writing that this case is closed and he said no nothing can be sent to me but if I want to pay the balance he'll gladly take it. Please help!

For those people that go back more than 5 years, depending on the state you live in. For a credit card, the statue of limitations is no more than 5 years. It is 3 in Florida where I live. So when they call you, just tell them politely that the statute of limitation is up, if applicable.

I attempted to apply for a credit card online for those with not so great credit. Applied was one that came up. I had entered my information and at the end before submitting it, I had read the statement about fees and I had decided not to continue the process and I thought that was a crazy offer. Well, two days later, there is a withdrawal from my bank account. By this being taken out of my account it had put my account in jeopardy of becoming overdrawn. I am on a fixed income so being ripped off financially is not something I enjoy. I want my money returned.

I applied for the credit card and received a $300 limit in which they took out fees right off the top. I got behind on payments because of all the fees and couldn't pay my card. In January 2004, I noticed that I had a judgment on my credit report for $1200.00. I tried to settle with them and they wanted some crazy amount and told me they would not work with me on breaking up the payments. Now, it's 2010 and they sent a judgment out to garnish my wages every paycheck. They are asking for $3500.00 now. I feel like they are ripping me off. My credit has been messed up from the judgment for almost 6 years. What can I do about this? I can't believe that $300.00 has now turned into $3500.00!

He was very rude and was demanding that I agree to make a payment that I owed them $1900 from 2000 for a credit card I never had. I don't really know what to do? He threatened that they were going to seize my bank account. Please if anyone has any advise for me? I appreciated it.

I was just reading up on this company because I received in the mail from applied bank, stating that they are a debt collector collecting a debt for Cross Country bank. I called to find out who or what this is about and they claim I had a credit card in 2001. I haven't had a credit card in a long time so I googled Cross Country bank and the first thing I start reading is how they are being sued for $9 million in New York for many different charges. So before I pursued this, I was looking for some advise on how I should handle this. Any advise would help! I never had a credit card through these people nor have I ever received a bill or any literature for that matter. They are wanting to discount my total bill amount of $686.85 by 60% and have me pay five installments of $54.95 but they must start within 30 days of receiving my letter. Please help with some advise! Thank you.

In year 2005, my bank account became frozen due to Judgment against me. I had no idea what that was about, since I have never received any court notices. In order for my personal bank account to be released from Judgment, I was told by my bank officer to authorize the payment of $838.37 payable to Law Offices of Cohen and Slamowitz, LLP. I needed access to my personal bank account, therefore I promptly authorized the payment without. At that point, I still had no idea, and no knowledge, who and why got Judgment against me. A year later I realized, this same Judgment appeared on all my credit reports.

My credit ratings plunged and destroyed with such negative item as Judgment being reported. I was denied credit everywhere I went, I was financially destroyed. It took me many years to untangle this mystery. When I contacted the Law Offices Of Cohen and Slamowitz in 2010, they informed me they were collecting from me for Cross Country Bank Visa Card, and they were representing MRC REC CORP.

I believe I am the victim of Unlawful Collection Tactics, and Predatory Lending of Cross Country Bank and MRC REC. CORP. I have successfully removed this Negative Judgment Entry from my Experian and Transunion credit reports at first request in 2010, but Equifax is refusing to remove this item, even though I made several requests. I would like to seek damages from these violators,- Cross Country Bank, MRC REC CORP, and Equifax. Negative Judgment Entry on my Credit reports ruined my credit ratings. For at least 5 years, from 2005 till 2010, I could not apply for any credit. I would not qualify for apartment rental, so I would be forced to live in bad neighborhoods.

I wouldn't qualify to any credit card nor would I qualify for any loan or student loan. This Negative Judgment Entry on my Credit Report on behalf of Cross Country Bank and MRC REC CORP, set my life years back. I was destroyed emotionally, financially, and physically. Any help and guidance is greatly appreciated. Thank you.

I received a letter stating that I owed $1,800 on a credit card account that I did not open. I want the harassing phone calls to stop.

I am a victim of identity theft. I got 4 harassing calls in one day, from a company saying I opened an account with them in 5/2000, that is discharged. I informed them to send me info to take to police, as this was not me. They call 3-4 times a day. I do not want to be harassed, while I am finding out who is responsible. I consider it harassment, and have told them to stop. It is frustrating enough to be the victim of identity fraud without being harassed by a second party collection company on Cross Country's behalf.

FNCB,Inc. sent me a settlement for Cross Country Bank. It was 3 payments over 90 days. After my second payment, I received a "Pay Card" which showed the first 2 payments and then has a new balance and more scheduled payments. This is not what was supposed to happen. I should be able to make one more payment and be settled. What do I do? Do I make the last payment according to the first letter? Help!

I recieved a credit card from CCB .Although I made my payments ontime for over a yr. My credit available never seemed to go down and eventually I went over the limit ,What started out as a 400.00 limit escalated to 1800.00.I was enrolled in their credit protection program and when I was eligible to use it (which Igable for the "ve never used befor)They sent me a form and I mailed it back .They replied that I"d mailed the form back too late and was responsible for any late and overages and was now ineligable for Credit Protect.Knowing now What I was dealing with I became depressed and digusted and refused to send them another nickle no matter how many threats they made to screw up my credit repor

paid payments on time. actualy overpaid 80 dollars on account. they cancelled my card. finally got them to pay me with interest. no money ever came. after a couple of years a rep from ccb called. said she was trying to get every thing straight. thats been almost 2 years ago

I had never opened the account the were calling about.I was a victim of identity theft by my father.And because I cant find him i couldnt sue to put in his name.I spoke to people their several times with no resolve so when I noticed it on my credit report I disputed it.I realyed this information to Rusell who called I called On 10/15/2009..Beacsue the person named Lisa C called and left messages with my family members I dont even live with..

Granted; I'm responsible had I used it, but its Never been used.

My car was repossessed for no insurance, and the company will not reinstate my contract, unless I can provide a co-signer. That is breach of contract. I did not need a co-signer at the time of purchase.

My mother, who is 62 years old, had an account with Cross Country Bank 2000. She had since settled this account in January 2002. She recently received a collection letter dated 06/03/09 from First National Collection Bureau, Inc. advising that they were collecting for Applied Bank the creditor (original creditor is Cross Country Bank). The amount they are stating is due is $864.58. I have copies of payments made to Cross Country Bank, who the settlement was made with and will be contacting them since they are the original creditors to try to get this resolved. Looking at the complaints, it seems this is going to be a hard battle.

My mother is trying to get her credit straight before retiring. She doesn't want any bills other than utilities to have to deal with. However, there are too many predators trying to get money out of the elderly. Her credit score has dropped and the last thing she wants before retiring is to have paid accounts show back up on her credit report. Not only is it economically damaging, but it's a mental strain having to constantly battle over paid out accounts. It seems it would be best to not even pay them if they're going to keep trying to get you to pay for them over and over.

Because of poor credit, I got this card. My credit limit was $750, and immediately, I had a $50 annual fee and $100 origination fee. I was told initially that I would be reimbursed the $100 original fee, if and when I ever paid off my account and closed it. I did so on 3/26/09, but even after calling some people, I've received nothing.

I had account with cross country bank. someone bought the account. i paid it off and it is still on my credit report. I am trying to buy a home and they are stoping me from getting my home. I had this account open in 1998. They will not remove from credit report until 2012. I would like for this matter to be taken care of. They will not even talk you about the account

Cross Country bank submitted a judgement on my credit report that I had no idea of until I went to buy a house and it showed up on my credit report well I went to the Virginia Beach courthouse and no judgement can be found so I called the credit bureau and told them this then they gave me the name of the collection company that was handling the account NCO and I called them and they have no record of it in there computer system so I went back to the court and they have no record of this judgement and my wages have never been garnished because of said judgement on credit report which is holding up my closing on the house I'm trying to purchase. Is there anything taht you can do to get this removed from my credit report. I have faxed over 270 documents to the credit bureau showing them the documentation I got from the court and human resources that wages ve never been grnished and court can not find any such judgement in there computer system.

My mortgage specialists tried to get the underwriter to go ahead and close because the judgement can not be found in the court but they denied his request. Is there anything that you can do to assist me in getting this removed from my credit report so that I can purchase my house?

I pd off my bill over 5 years ago. The last two payments never showed up on the last statement. I continued to call and ask for them to register them. They asked for proof over and over. I sent it. I do not keep all my records more than 3 years as I dont have the space to do so. I had not heard from CC Bank for 3 years and now in the past 2 I have calls from collections for a $2000.00 bill. They will not stop. Cross Country Bank and the collections agencys are continueing to harrass me for money I do not owe. I explained it was like paying off your car, and the bank wants another payment just because they said so, you dont pay it and the load interest on this non-existant total.

I have to get help from my bank to get a car. unable to purchase a home. UNABLE to open any other accounts or items that would take a credit check. Some jobs would not hire me. I was out of work 6 months recently. Loss of wages, ruiend chances for any purchases to give my family a home.

Aug of 2008, recd a email for applying for a Visa Card, was frustrated with my current credit cards late pmt errors and decided to appy on line. Sent an email at the time declining the acceptance, did not want it! Within a week recd a card with stmt for owing $300 on a $500 credit limt card. I called advised I did not want card, disputed the $300 billing for nothing! Very rude people, but after returning the demeanour, lady advised the would cancel.

Just rec'd a Collection Notice from a First National Collection Bureau, Called them for location of Cross Country Bank, person to alk to on the matter, still unsuccesful in address , name at Cross Country, but rec'd a Corp office, but appears to be the same people I was talking to. I ADVISED ALL THAT I WAS REPORTING THIS ACTIVITY TO MISSOURI ATTY GENERAL OFFICE and fully intend to. I plan on filing a small claim action also here in Missouri.

Let me explain, I am a retired investigator 32 years, force retirement 1 year ago, with terminal cancer! I can deal with this situation! But will make sure I get the right people in that action. I know how to find them! Not after the little rude person on the phone! Just will be after the [one] that runs it, and profits from it! Now reading all the complaints on this site just invigorates me in this endevor!

Have not determined yet, haven;t looked on credit report! I have all the money and asetts I need , don;t need their card!

I opened a secured credit card in 2004 to make my the bad credit better. I deposited $200 into their savings account and after a week I was charged $108 in annual and other bogus fees. I asked them about the terms and conditions did not explain about the $99 annual fees plus some other bogus fees. They said the terms and conditions change over night and now you have to pay the $108. I was furious so I didn't pay.

After two months they charged off my account and reported negative inquiry on my credit which made my credit worst than ever. They collected the $108 from my initial deposit and sent back the $92 after four months. Since then I've been suffering on my credit. They are the worst curse in my life. I call them, fax them, send written requests to remove the charged off but they are so rude that even after sending them four goodwill letters and eighteen calls, they still don't want to remove the negative comments off my credit.

I can't refinance, nor get a loan. I am totally stressed about my bad credit. These Applied Bank people are crooks, fraud. Never ever deal with them. If I could do something, I will shut them down forever.

my story is pretty much the same as others that are posted. you all need to start filing complaints with the state of delaware. there have been several state lawsuits already. this bank needs to be shut down.

negatively remarked credit

cross country bank- judgment is showing on my credit report with no phone number or contact address to deal with this pay off account. i see other places have had cross country settle. is this account included in that?

negative credit reporting

I opened an account with Cross Country Bank after filing for bankruptcy in 1996. I kept the account current and below the credit limit. In 1997 I moved back to Syracuse, NY from Austin, TX. at the time I had no job and no income. I immediately stopped using the card, the balance was below the max. Shortly after I started getting late fees, overlimit fees and harrassing phone calls. The balance balloned up to over $2,000.00.

Fast forward to 2009 in an effort to settle the account so that I can make the attempt to buy a house, I called the company number that was on my credit report. Assuming that I was talking to Applied Bank I mailed the amount that I needed to settle the account to Applied Bank. I received a phone call from FNCB on 2/23/09 that I sent the payment to the wrong place. By sending the funds to Applied Bank it made the settlement agreement null and void. I would also have to give them $600.00 to be done with them as well. At the time I didn't have the papers with me to even know what she was talking about.

The first time I had heard of FNCB was on the evening of the 23rd. When I made the initial phone call I assumed that I was talking to applied bank. I put in my notes that I would call back to set up arrangements for payment. After being told that in order for me to use my debit card I would have to pay $40.00, or $5.00 to use my checking account. I decided to mail my payment to avoid paying extra fees.

As a result of this account reflecting so negatively on my credit report has resulted in my disability to buy a house. My credit score is so low that any mortgage company does not even look at me for a pre-qualifaction.

Collection agency sent collection letter to my residence for my 45 year old daughter-in-law who has never lived in or near my home. They seem to think I am responsiable notify her or them that they must pay up. I don't have bad credit. I pay my bills. I am not responsible for collecting bills from bad credit risks. I don't wish to be harrassed by collection agencys. Thanks

concerning credit card of cross country bank of 9 year ago, when i stop,t paying on card i owed $150.00 cross country bank tried to cheat me with extra fees, at that time i told cross country bank to SHOVE IT. over the years interrest has build up and differient collection agencys have bught the ballance, interest run the dept up to over $700.00 i have paid of and on as i could, like $20.$10 a mounth, now it is paid down to $500.

i have learned cross country bank was a croupt credit card, trying to cheat people out of illeagle fees, now i am being billed by the above attorneys, that has bought up this so called credit card, i am disable 67 years only live on my social security $600. mounth i am tried of the harrassemt of this elleagly bill

I received a letter from First National Collection Bureau, Inc. on Jan. 17, 2009, stating that I owe a balance of $918.25 to Cross Country Bank/Applied Bank. A year ago I checked my credit reports and it stated that my address for this was in New York. I've never been or even lived in New York. Apparently has the same name, but has my social security number. When I tried to talk to a lady at First National Collection Bureau, she became very rude and hung up on me.

This situation is affecting my credit. Everytime I try to get this resolved nothing happens. I keep running into dead ends. I've contacted several agencies and no one can give me the whereabouts of the original contract; or even a phone number to contact Cross Country Bank. I feel that I've been a victim of identity theft.

I sincereley believe that Cross Country Bank continually steps over the line legally to harrass consumers and ruin consumer`s credit. I had the unfortunate experience to readily accept the credit card they offered, totally unaware of the nightmares that consumers tell about this pathetic company. I recieved the card in 1997, and everything was fine until I went overseas to Greece. I was pickpocketed in Athens and the perpetrators charged my card upwards of $600.00. I called my brother from Greece, explained the problem, instructing him to call the bank to cancel the card because of theft.

I returned back to the States about two weeks later and was instructed BY Cross Country Bank to have a notary public sign an affadavit that I was not responsible for these charges because the card was stolen. I did as was told, all the while Cross Country Bank said that I was NOT responsible of the charges, especially since I reported the card stolen before the charges were incurred. I thought this was the end of it. Boy, was I WRONG!

It is 2009, and Cross Country Bank has harrassed me and my family for almost a decade. I have gotten threatening letters, phone calls at all hours, and other letters that said they would 'settle' the dispute for half the amount owed. owed? I didn`t incur these charges. What was the affadavit for? They KNEW all along that the card was stolen, yet they continue to harrass me TEN YEARS later over $600.00, and I`m not even responsible for these charges? It`s hard to believe, after reading TONS of horror stories similar to mine regarding Cross Country Bank. Not only did they harrass and threaten, they nearly ruined my credit rating. This company should be put out of business. It`s a SCAM.

April 29, 2008 I needed the services of a tow company, so I called Volvo on Call Plus. I had been enrolled for more than two years. I was informed by the person that answered the telephone I was not in their system. I needed to get to work, so I called my mechanic and he dispatched a tow truck to take my car to his shop. The diagnosis was a dead battery. Total cost to me $117.00 for towing and to re-charge the battery.

I did not follow up with Cross Country until November 2008 when my credit card was automatically billed $89.99 annual renewal fees. I immediately called Cross Country and requested cancellation of the charge and filed a written complaint to have the April $117.00 cost for towing and battery charge up reimbursed.

To my horror, On January 6, 2009, Cross country refunded me $45.00 the fee that my mechanic, as a courtesy, charged me his price for towing. I expected to be reimbursed the total $117.00 or at least the $89.99 annual fee for service that I paid in 2007.

They claimed that I owe them $945.86 and i fear that is not me and this may ruin my credit/score. They sent this past due amount to a collection agency and this the 3rd time i've went thru this over and over again.

I applied for an Cross country bank card on Jan 8, 2002. several days later I notified the company and advised then to close my credit card accound, whitch there was only a $50.00 credit limit. Due to the out regious fee the credit card would not be good for me to keep. I was in College at the time. Several Months later I applied for another credit card, and I was denied, I was able to obtain a credit report and noticed cross county bank on my credit report. I immedieatly contacted them and discussed with them about them showing up on my credit report as a charge off. I was told to me for the few days I obtained my account it was over $200.00 for a $50.00 credit limit.

Recently on November 20, 2008 I received a letter Stating I owe Cross County Bank the total amount of $723.20. this company is inpossible, they are rude and totally unprofessional. That account was closed on Jan 12, 2002. It seems like a scam to me, I need this off of my credit, and will take the nessary steps to do so.

This has damaged my credit report, and has caused a great deal of stress to me.

I have tried to get them to re-use 2 checks that were received last spring that they mailed out on 1/10/02 and 6/10/02 due to late delivery of the postal service I did not recieve these checks until last spring.

The first letter dated 1/10/02 only contained a check stub (no actual check) for CBR-credit balance refund in the amount of $197.58, the second letter dated 06/10/02 was for ACR- auto credit balance refund in the amount of $62.70 that stated the chwas void after 90 days of issue. I have been patient up to now and have already contacted an attorney about this. The total amount is $260.28.

When I was laid-off, I sent in the documents for unemployment insurance and heard nothing about it. They harassed me on the phone for months, calling as many as 10 times/day. I informed them that is illegal in TN. They said it didn't matter because they weren't calling from TN. I told them it DID matter because they were calling INTO TN.

A balance of maybe $50 ballooned into a sum of $990. I disputed the amount on my credit report several years back because I did not know who Applied Bank is, but it stayed on there. Since I never received anything from the company, I assumed it was some mistake, but could never find out more about it and left it alone. I am on Disability, so even though it ruined my credit, I was able to find housing through the state and did not worry with it; since I never heard from anyone, I figured it would eventually disappear.

Now, some 10 years later, I am being taken to court - IN A COUNTY IN WHICH I HAVE NEVER EVEN LIVED! - for this $990.00 balance I do not owe. Applied Bank is Cross Country Bank, aka CCB, and probably a host of other names.

They did not (and cannot) provide me with proof of this debt and tried to deceptively reaffirm the account, which they were unable to do.

I plan to countersue them in the county to which I must travel 3 hours to face court. Can I also sue them here - in my home county - for breach of contract, harassment, fraud, and all of the FDIC laws they have broken/ignored?

I received a call yesterday from a lady at First National collection agency about a visa card I am supposed to have with cross country Bank. She tells me I owe them $1046.00 and I haven't made a payment since November of 2002. The thing is I have never had a visa card with cross country and it is on my credit report now. I asked her why I have never received a statement for this card; she didn't know. She says I need to call them with any questions. So now she wants payment for an account I have never had. She had my address, my phone' my social security and I don't know where she got them but I do not intend to pay this until it can be proven it is mine which will never happen So now I have a bad report for a card I never had

I see all these people have the same problem except I was sued by Cross country band for not showing up in court which I didnt even get a notice, and they came yesturday and Seized my only car and says I got 10 days to pay it or they will take my car and sell it for the fees which they added another 1200.00 onto. the credit car was only 200.00 and 150.00 were fees they put on before I even got the card. now I am left without a car and I am unemployed what can I do?

This card was offered to me with a $500 limit in 2001. None of which was available due to all the fees. 7 years later and they are on my credit report as a charge off for over $1200. There was a class action law suit in the state I live (NY). What can I do to have removed from credit report?

My credit score has been lowered. Have tried to have investigated by all 3 bureaus and comes back that they found it to be valid.

Sought and got a credit judgment against me for a credit card. The judgment was issued 12/2003. Is there anything I can do get this removed due to fraudulent credit practices.

Bad credit and low scores. Can't purchase first home.

When I was 21, I got a card from these people. The original limit was $350. However, I had less than $50 of available credit after they stuffed it with all their fees. I got behind on a payment once and they called my home six times in one day. I was sending them payments until I realized my balance was actually going up because my payment wasnt enough to cover all their ridiculous fees.

I stopped paying on it three years ago. I charged about $33 on that card and the balance has balooned to $2600. It has had very little effect on my credit since I have almost perfect credit otherwise. They still call and leave me nasty messages. They send me letters saying they will settle it for $1800. They will settle for nothing because that's what they are getting from me.

In 1996 I applied for and received a credit card from Applied Card Bank/Cross Country Bank, with a credit limit of $400.00, from that $400.00 I ended up owing them $2101.50, which they are now taking me to court for, I did not use there card enough to owe them near that amount, the more I paid them the more I owed them, so in 1997 I call them and sent them an email to cancel and close out my account, which appearantly they did not because the bill kept getting higher,

so now as it stands they say I owe them $2101.50 and being taken to court for it. These people called my house day and night from sun up until sun down, even on Sundays, called my job constanly, caused me so much stress, I finally stopped answering the phone, and finally had to put a block on my phone, just to keep them from calling.

I had two credit cards with this company, one for $500 and another for 1200. I have paid the $500 card in full and continue to pay on the $1200 limit card. It has been over six years on this bill. Even though I use the card with miniumal charges, the balance cannot be paid in full and Even though I always pay more than the minimum amount it doesn't seem to decrease. I just don't understand why I have a interest of almost 29 percent. I usually pay about $100 or more each month and at times double the payment if the account is a few days late., but the bill never seems to decrease, I just see added on charges continually. This was mistake on my part to get this card, but like everyone else my credit isn't that good but okay.

I feel like I will owe on $1200 bill for the rest my life,

i usually pay about 100 or more each month and at times on this account, but the bill never seems to reduced, just added on charges continually. This was mistake on part to get this card, but like everyone else my credit isn't that good but okay. I feel like I will owe on $1200 bill for the rest my life,

I had a credit card with cross country bank they offered me an increas in my credit limit which i agreed to when i recived my biil they had chagred me for the increase. It wasn't the type of card where you put money on it and that's your limit either And no matter how much i sent they would always call and say the never recived payment and I would have all these extra charges on a credit card that i could'nt use after the increse. They did call my home and work somtimes the craziest was when I worked a Double At work on the Overnite shift and they call my building at 2Am . the last bill i recived from the was september of 2003.

I went to a credit repair place in June of 2005 where they handled people with bad credit and helped them get back on track, Cross Country bank never came up at all during the entire process and havent heard from them until recently i recived a hearing notice from the Magisterial, i showed up and the never did and now there appealing the judgement. What steps do i take next? because it looks like they will just keep not showing up to court and appealing the judgements till I decided not to show up so that they win.

they damaged my credit for such a long time i thought i took care of it but it reared it's head again

I recall applying for a Cross Country Visa back in 2002/3. After recieving the card, I realized that the fees were outrageous, and I called them asking if I could return the card and close the acct. They said I could, so I did. Jump to 2008, I received a payment demand letter from a collection agency stating I have a balance of $1400 on an account with Applied Card Systems(Cross Country). Mind you, the original card had a credit limit of $300, with $200+/- being eaten up in fees. What do I do?

My I.D., all of my credit cards & check book were stolen in Las Vegas, NV in 2000. I reported all my credit cards to the fraud dept. & the Las Vegas Metropolitan Police Department. On 07/21/08, Cross Country Bank, 8 years later, assigned my stolen credit card to Paragon Way, Inc., a collection agency.

Harassement & attempting to collect on a known stolen credit card(s).

I tried to settle with Cross Country Bank a few years but the lady I was dealing with was so rude & impossible to work with. I ended up filing bankruptcy & Cross Country was included, but they still show a judgment against me on my credit reports. I am trying to get preapproved to purchase a house but the judgement is hurting my chances. How can I get Cross Country to remove the judgement from my credit history.

i got the card with a 300.00 limit and i ended up around 1500.00 with all the fee and charges. and now it is on my credit

BAD CREDIT

I received their documentation regarding their credit card offers, and I read them thoroughly, to make sure, even the fine print. After reading the information packet, I concluded that this was a credit card I could trust, and use, and was on my way to making my credit better again. I signed up for the card, and for the protection it offered in their brochure regarding the options of paying an extra sum of money, on top of my monthly usage fees and expenditures, so that should I become unemployed, they would cover the remaining balances until I found work elsewhere.

Now I had the card for I believe over a year, and I don't recall if it was an extra $9.00, or an extra $39.00 a month, but I paid it, in full, without complaint. So when I became unemployed, I submitted the proper information to the proper department within the banking/credit institution known as Cross Country Bank and they called me to tell me that I didn't have that coverage. I said I had been paying them all along for it, and it showed on all my bill statements as a charge, and they said, well, people from New york State aren't qualified for that option, and they don't know how I got it, and that it didn't make any difference. I was told I owed them money, and they were going to get it by any means necessary.

They began a long campaign of harassment with phone calls, day and night, but eventually they gave up, because I told them, We are settled up, because the amount you were taking from me in the end, ended up being more than I should have paid, and they said I owed them the maximum my card was allowed, which was $500.00 plus interest, and I said, I figured out that whatever you think I owe you now, has already been paid in full by my monthly over charges based on your offer of coverage should I become unemployed or disabled in some way, and to be honest, based on my own calculations, you should be paying me back around $250.00 to which they denied, and said I still owed them money.

I'm not even sure if it's still active or not, them pursuing me for the amount, but I don't care, I just think they should be punished for their apparent and obvious fraud. I'm not sure if it's been too long to do anything about it, but I hope they suffer.

They ruined my credit, and my faith in other people.

HORRIBLE MOVE.. Contracted for 2 days, showed one and I had to fight to get them back 3 days later to finish. Over-charged abd lied about weight. I could NEVER get teh official weight. Lost and damaged over $1500 of furniture and household. I have 50+ pics to prove it!

I received a Cross Country Bank Card about 9 years ago. I bought a product with the card but later returned the product. I only had about a $300 limit and they have been haunting me for 9 years and say that I owe $4415.68. I've called the CC company and turned in a fraud complaint and still nothing. I just got a civil suit against me from Cross Country Bank. I do not know where to turn now. These people should not be allowed to do business. When I did call and ask that they send me an original bill showing me what I had ordered they could not produce anything, yet have the gall to now after 9 years take me to court.

they have harrassed me for 9 years now calling and being extremely rude. My husband has resulted to almost cussing them out because of the constant phone calls.

a man called me saying i owe him money. threatening collections and or my credit. this is an account over ten years old open up by fraud. i settle this years ago. these people will not stop harrassing me. what do i do?

i dont know. the people are so rude i just hang up. i ask and they keep threatening you on the phone i dont even have an account number.

on april 28, 2008 I received a letter stating I owe cross country bank an amount of 807.00 If I wanted to pay off the debt I could transfer 724.00 to another visa card that I am preapproved for and save 93.00 and consider the debt paid in full but I would receive a card with no amount until the transfer balance was paid off. I recently checked my credit looking for the account number they supplied me with an found no account or cross country bank on either statement from equifax, transunion or experian. What do I need to do because they said if I don't agree to the terms it would be put on my credit or file a judgement.

There has been no consequences or economic damage as of yet;just received the letter 1 day ago.

Constantly calling me to claim I owe the Cross Country Banks a Visa Card Debt from May 22, 2006. I have never charged anything to this bank and I have no idea of the debt she refers to. She first stated I owed $383.79. I think she is attempting to find out my credit card#. Could I block this call?

Annoyance to me.

They were harassing me, and I found a lot of reports on here about them.

It appears there was a class action lawsuit, and I got a whopping 11 bucks for a settlement. Frankly, I'm just glad to get these jerks off my credit.

I had received a Cross Country Bank card about 7 or 8 years ago. I never got to use the card, yet now they are claiming that I have a balance of over $10,000. First of all, my credit limit was only $300 when I received the card. I had a credit limit negative of $40, after all of their fees.

This company needs to be stopped immediately. They are fraudulent and deceptive. I get at least four calls a day from these people, harassing me and my family. A few of them use foul language to my daughter who was only nine years old at the time. My credit is ruined, and I am very stressed. My children are now 11 and 7 and are subject to harassing phone calls day and night--even on Sundays and after 9 p.m. Who do these people think they are? This fraud should not be allowed!

I was contacted by NCO Financial Services, for Cross Country Bank, in regards to a VISA card that I never had. NCO had no information for me and said I would need to send a letter if I wanted to dispute the claim that I owed money.

In November of 2003 I obtained a Cross Country Bank visa card. Twice a month I will mail a money order of $200.00 off to my account, so I can make purchases ( gas and emergencies). In August of 2004 I got laid off my job. Immediately I called the bank and told them my situation and asked them to discontinue my card account, in which at that time there was a $13.00 balance. The representative said they cannot discontinue my account. I would have to send $200.00 which was my limit at that time or just send the minimum of $15.00. My reply was if I had $15.00 right now I would put food on the table for my children. So then I was charged the $15.00 membership fee, also a $30.00 late fee, and a $30.00 over the limited fee.

One year later I received a bill for $1500.00; six months later came a letter asking for a settlement for $700.00. At the time I asked to closed the account I owed for no purchases. If anything I'll pay $200.00.

Had a Cross Country Credit Card in 1997 - 1998. Paid off the card in 2002. It's now 2008, and I have a collection agency trying to collect on that card. This ruins my credit!

This has caused stress; I'm 79 years old....

I have been sued by Cross Country Cank for a credit card I never owned, asked for or signed up for. I have gotted calls starting at 6:00 a.m. and going on untill 11:59 p.m. telling me that I need to pay up or that they will put a lien on my bank acct. When asked to show me my app. they can't find it or what I bought when I bought things etc,etc,etc. These people are in for a big fight with me if they think I'm going to just roll over and pay for something I never had.

I had both a Visa and Mastercard from Cross Country Bank at one time, in 2004. I sent them a payment of $400 and within a week they expected another payment of almost $300.. I called and asked if they received my $400 payment and they said they did. I told them no way could I make another huge payment like that. I am a single mom with six kids, on one income. I only took the credit cards out to help me raise my family and used them in times of need. They harrassed me by phone and mail mercilessly, finally taking me to court, trying to garnish my wages, unsuccessfully because I'm get state aid. I will never be able to pay this debt off, and I resent the harrassment I had from them for almost 2 years after the court date. There should be a punishment for creditors that harrass like that.

This resulted in a $2,107.90 amount that the court awarded them, and Cross Country Bank threatened that it would stay on my record for up to 20 years! Whatever happened to bills falling off after 7 years? I was very stressed and victimized by this company. My kids and I had harrassing phone calls twice a day for 2 years, even on Sundays at 9:00pm!

I am still being sent letters by collection agencies for a card I opened in 2001 and charged $17.00 which I paid off and was then charged in purchases (which I did not make) for approx. $300.00 and interest of approx $500.00 totaling over $1000.00. I applied for this card in 2001 in NY State. I also tried to cancel this card several times and they would not. I was constantly called on the phone. They have reported me to the credit bureau.

I have never opened up a credit card with Cross Country bank. I am being harrassed by a collection agency called leading edge recovery systems. My pocketbook was stolen a month after I had a devistating total ankle fracture. I reported this to the credit bureaus now I am being threatened to pay over $1000.00 USD. I am disabled and unable to work. What do I do now? I never had a card with Cross country bank, someone stole my identity and now it is ruining my credit.

I have a CCB card, and a charge was on there that I did not do. I called the number on the statement, and the company politely reimbursed me on the card; however the charge caused me to go over my limit which gave me an over the limit fee. I called CCB and let them know the situation, and the best they said they could do was to make a note of it but was not allowed to waive the fee. That is ridiculous.

The next month was also a late fee because the one before was not waived, and the amount that I could afford to pay was $5.00 off in order for it not to be over the limit. It has taken me three months to get my limit under control. And they refuse to work with me at all.

Cross Country Bank offered me a credit card and said they would do a balance transfer for one of my debts. I later found out that the balance transfer never happened, and that Cross Country didn't pay the debt.

Today they are after me for the debt on the credit card, and I continue to get harassment calls from collection agencies. I showed them proof that the debt was never paid off, and it still continues today; they said it's my problem.

I had a Cross Country Bank Card back in '98. When I called the Debt Solutions Company, they stated it was closed in '99. The credit limit was no more then $100.00, but after all their fees and what ever else they wanted to take out, I was left with $50.00 on the card. I used it once or twice for small items. I just received a letter stating I owe $807.55 ! What is going on? I would love for Cross Country Bank to contact me to tell me, or send me a statement showing all the transactions I did on that account that added up to $807.55.

I had a cross country credit card many years ago. Just like everyone else I received a credit card with nothing on it because they added all of their fees to my card and left me with nothing. I used it one time to buy winter coats for my kids and they actually called me to tell me that the purchase was no good and I had to pay the store I used it at the money I spent on the coats. No way, I used the credit card and it went through. None of it made sense. I got mad cancelled my card and paid my bill off some time later. That was 7-8 years ago.

I just got a collection notice from Forst National Collection Bureau, Inc saying that I owe these stupid mothers $496.65. Hell No.

I received a Cross Country card and had it for about 3 months when they started to hit me with late fees and over the limit fee and they increased their interest rate as well. I would set up automatic payments to them twice a month for three months at a time and they would still charge me with over the limit fees and late fees. They continued to call me every week wanting to know when I would be making my payments. This went on for over a year before I finally told them to stop calling me. They have continued to call and harass me and now they tell me they are taking me to court for the bill.

In 1996 I applied for the Cross Country Card and did not hear from them for several months so I thought I had been turned down. Then I receive a statement saying I owed them for application fee, and other charges. I called and let them know that I never received the card and they said they would check into it. They called me back and said that it had been returned by the post office because of wrong address. I tried to get them to correct the address and resend the card but they told me the only way to change the address was for me to send them my actual drivers license which I refused. I told them to cancel the card.

I used to get calls from the 7 to 10 times a day threatening me. I have over the years asked for verification of debt through the debt collectors and never received a reply back. I just today received another letter, which I called about and the rude man told me to just pay it. Apparently I was lying because the debt is still there. I want this resolved!

I am disabled due to ESRD, and have been since 2001. This constantly causes me stress which shows up physically. Any credit I get now is in the higher % rates and makes it hard for my husband and I to receive credit. I changed my phone number years ago so they do not call anymore but I still get letters that upset me completely. I am trying to clean up my credit, which has taken a hit since my disability.

Every since 2005 I have asked them to validate the debt they say that I owe. I have not recieved any legal information the the Fair Credit Act says that they to send to me. I have sent any letters and the were just ignored and my civil rights volated. They still went to court and got a judgement against me. Cross country bank has a number of class action suits against them for doing the same to other people.

I received a visa credit card from Cross Country bank in 1996. Two years later I recieved a mastercard. I always made my payments on time. In March of 2001 I became unemployed. I called Cross Country Bank and informed them that I was unemployed. They told me that I needed to contact American General (AGI) regarding my unemployment insurance payments. I filed the necessary paperwork with AGI to get my insurance payments started. Meanwhile Cross Country bank called me every other day regarding my payments. I informed them that I was unemployed and could not make payments and that I had unemployment insurance.

They told me that I still had to make payments. I told them that I was not going to make any payments because I had the insurance that covered my unemployment. They told me that they did not care. I then told them to cancel both of my accounts immediately. I also wrote them a letter informing them to cancel both accounts. AGI paid my monthly payments for about a year and a half. They paid both accounts completely.

After Hurrican Katrina destroyed my apartment complex, I applied for a construction loan and was told that I had a charge-off for Applied Cards. I did not even know who Applied Card was at the time. I contacted them and they told me that they were formely Cross Country Bank. I told them that my credit cards with them were completely paid off. First they told me that they never received any money from AGI for my unemployment insurance. When I contacted AGI and had them to contact Applied Card then they suddenly remembered receiving the payments. Then they told me that there were charges on my account while my account was on hold. I informed them that that was impossible because my accounts were closed in May 2001. They told me that my account was never closed. I informed them that I had a copy of the letter that I sent to them requesting my accounts be closed and that I spoke to a rep about closing my account. They told me that they did not have any records of this because it was so long ago. I offered to pay them $500 for each account just to get my credit cleared so that I could have a place to live, they did not respond to my offer. I then informed them that I was not going to pay them any money to them at all.

This has caused me major credit problems. I either can not obtain the financing I need or the interest rate is high. Being that I live in Biloxi, Ms and I lost everything to Hurricane Katrina, it has been hard for me to obtain financing so that I can purchase a home and a car. Without this problem I would already be halfway done with building a house.

I had cross country bank and in 2001, i got hurt on the job. I had insurance but when I realized i had insurance I was told that it was too late and that the insurance would not pay for me being out of work. I tried several attempts and no one would give me any information i needed to get this covered until i returned back to work.

My card was charged all of the late fees and charges and no one would talk to me to handle the situation.

I called Cross Country Bank (CCB) before I was late with a payment. I had to call most of my creditors with the same problem. They told me there would be a late fee. I understood this. I made the late fee payment and the regular payment. No problem with any other creditor except CCB. For some reason they wanted to keep charging me late fees when I paid what they said I needed to pay. Well to keep this short, I made three payment plans with CCB to fix this problem. I finally let them take money from my checking account for four months just to clear up the mess and to keep my credit clean. Well they finally added enough fees to my account that it went into the over-the-limit fee rates.

This went on for a while...evrything I did that they said to do accomplished nothing. I finally told them that I wanted to pay for my purchases, but refused to pay them their outrageous fraudulant fees. They sent my account to a collection agency...I told them to sue me because I wanted a judge to see what their practices were, and for the judge to tell me what I owed. They told me they would sue and I would also have to pay their court costs. I said sue me. I want you to. Every time I got a harassesing phone call from them, I would say sue me...PLEASE sue me. They never did.

This all happened back in 1998 and 1999. Now as I am making a purchase recently a CCB charge off pops up on my credit. They did it again...one more plunge into my heart with their dagger. I would rather deal with bad credit then ever pay those (individuals) a penny, even if ift cleaned my record with them.

They are still hurting my credit score after years of not hearing anything from them.

I applied for a Master Card from CCB... They started sending me bills for the MC, but I never received the card. I called them, and they said they would cancel that card and resend a new one. I never received that one, and once again they said they would rectify this by canceling and resending another one. Well, I never ever received a MC, and I now have 3 Master Card accounts on my credit, which have been maxed out, and sent to collections. They called me at least 10 times a day for 4 months, and I explained the situation to their rude employees, about 50 times. I also wrote to their fraud department, and nothing ever got solved. I have disputed this on my credit with the credit agencies, and CCB claims they are legitemate charges... HOW???? I never got the MC.

I also applied and got a cross country bank and then was laid off. I was making payments but I couldn't keep up with the overlimit and late charges. I started getting the phone calls at home at least a dozen a day and then when I went back to work they called me there even though I repeatedly told them not to. I received a notice from my bank for a bounced check because without my permission they tried to take 880.80 out and I didn't have enough in there. Thank God. I finally paid it off and this was in 1998.

Last month I recieved my credit report and they are still reporting this as a delinquent account and I am fighting the lies. Honestly I don't think I will ever win this battle. I don't want to call because their associates are rude and they try to get you mad so you might say something that could cause problems later. They really know how to work the system.

In 2001, I paid a charge off amount by phone with a collection agency called Applied Card Systems with Cross COuntry Bank. I have a copy of the cancelled check but now for the past 4 years I keep getting phone calls from another collection agency called Merchant Services and they are wanting to take me to court for a 900.00 bill for Cross Country bank. I am so frustrated at this company and I am getting ready to seek legal action against them. This is showing bad on my credit report and I am so furious at them.

This has caused me to be turned down by other creditors and caused me to have high interest rates and all I want if for them to remove it from my report and fix their mistake.

I paid off a charge off with this compaby a year ago and it is still on credit report as unpaid. I am being denied credit and have had to pay a slightly higher mortgage rate because of this.

I was offered a credit card from CCB back in 98. The original limit was $400. I paid all the proessing fees, the applications fees. After awhile I did not use the card. High interest rates. I stopped paying.. Now, 7yrs later, they have changed their name to applied credit card and says my original credit limit was $2000.00 I have disputed this on my credit report numerous times.

The company says all the information is correct. That's a lie. After filing one too many disputes against one company. the reporting agencies will not investigate anymore. CCB has been sued in several states, but, not in the state which I live. Now I am forced to file a small claims against CCB in which I will be glad to do so. Nasty is not the word for how the reps are that work for this company. I can't believe even after all these complaints and lawsuits, this company is still in business.

My husband got this credit card a long time again w/o my knowledge. When I found out I told him to cancel the card b'c of everything that all the fined print said(I actually read that stuff). He did not and they applied all of these charges until he was scared and overwhelmed. He still paid them. They called him at work and threatened to get him fired until he set up payments. Which he did and they withdrew more than we were told.

They call our house everyday starting at 7:30-8 am and don't stop until 9pm. Sometimes they call and hang up and recall over and over again for hours until I shut of fthe ringer. They leave messages that are threatening or are deceptive so that we might call it back b'c they don't leave the name or make it sound like we have won something. They don't have any compassion and are bullies when I talk to them.

I just did and in front of my 4 young children made me break down in tears b'c they were calling me a liar and saying they were taping the conversation and trying to turn my words and make me confused. They are threatening me and my children by saying that they don't matter to them they want their money. Maybe I won't have to worry about them (my kids) when we are sued and can't take care of them. How can this be legal? I thought they weren't allowed to legally call your workplace, my husband told them to stop.

I had a credit card with them and had ins. to cover payment if something happened and was unable to pay. I got pregnant and was put on strict bedrest due to complications and was unable to work and had no income. I called their customer service number I can't even remember how many times to get info on how to get the claim form for the ins. and kept getting the run around that they did not have the number or address for it so I asked how to get it then and no one would give any info on it well months passed and they kept calling for payment and harrassing saying that I needed to do more to make a payment and making rude remarks that implied that my unborn babys life was not more important than the debt I owed them and putting stress on me that I did not need.

Then I finally spoke to some one who gave me the info for the ins. I got the claim form and the ins kicked in and on top of that my dad starting helping me out and sending them payments and we had asked them to close the account and stop charging the $35/month late fee and the $35/month over the payment fee and interest rates and we would continue making payments on it to pay it off the person we spoke to about that said ok no problem and then later that night we recieved a phone call from another person saying they had no recollection of that and instead they were going to double the late fees and the overpayment fees and raise the interest rate to an outrageous amount, and that they could not close the account and they have now sent it to their collection agency and I have people calling asking if we are ghetto and refuse to stop calling and telling me I owe over a thousand dollars on it my credit limit was only about $250-$300.

I don't understand how it is legal that they kept the info on the ins. from me and how they are allowed to rack up my bill after we asked repeatedly to close the account and sent them more than the min. ballance and the ins. was paying the min. ballance plus all the harrassment I mean customer service is supposed to provide you with that kind of info and with all the rude remarks and extra stress from dealing with that lowered the chances of me losing my baby and that was 50-50 before all of that

I have been in battle with Cross Country for YEARS now, and I am well aware of the current situation in NY of the unfair and deceptive practices. I don't even believe this information is on my credit report any longer. They have employed a law firm to file a judgement against me and want to garnish my bank accounts, and wages. I went through this once with Providian, and had the case dismissed after a long and difficult time. I do not want to go through this process again.

For 4 years I have been harassed by this Cross Country Bank-Visa people, by phone, by mail, and legal lawsuit papers. I am not the one they want, and I have told them that for 4 years now. I have contacted State Attorney Generals in three states to get this to stop. Am I going to have to sue them to leave me alone. I've never had a Visa, and never will.

How do they have the right to harrass someone, and they get ugly say I'm lying. They don't have my SSN or DOB, they just got my name out of a phone book apparently. They were stupid enough to actually give me the real Lisa's SSN and DOB. How can I get them off my back? I have a box full of mail, Lawsuit papers, phone logs for every single thing. It's Lawyer time I guess.

i had this card for more than a year and they began charging me a finance charge on cash advances that i never took. when i asked about it i was told that is what they call it but it is for the monthly member ship fee and other fees applied to the card.

I called them to get my minimum balance due to bring acct current. I made the payment online then found out later that it was $85.00 short so I was then charged another $60.00 for late fees and over the limit fees. I called them and they appologized and said that they would reverse the fees. I made my next payment less the late fees only to find out that the fees were never reversed, more had accrued and when I called I was told that I never spoke to anyone and that I was a liar.

I have not made a payment since and there are now over $500.00 in late fees and over the limit fees on the account. and $200.00 in finance charges. I was also told during one of the collections call that they had my bank info from the on-line payment and would take payment owed from my checking, which was not even my checking account, it was my boyfriends. They took a $58.00 payment out without permission.

I would never have known about it if I had been trying to purchase a new car. When the dealership ran my credit report there were two entries from Cross Country Bank. One was listed as a charge off and the other was listed as paid as agreed. I have never had but one of these accounts. I have never had two credit cards from this place. I wrote a letter asking to them to explain what account was a charge off. No response. Wrote a second letter and still no response. My first letter was written in July 2005.

They said I owed $800. I settled for $400 which they said we would not owe them. We paid now they are saying they need the other $400.

Cross Country Bank contacted me about a bill from Fingerhut. I could not make the large payment and they sold the account to Midland Credit Management who had their lawyers Cohen and Slamowitz contact me. I paid them in full, they said they would remove it from my credit record. I called when it was not removed in 30 days and filled a dispute. Now RJM Account Solutions is suing me for the same account. Cross Country Bank has changed their name to APPLIED CREDIT CARD and has filed a claim on my credit report.

In mid 2003 had colon surgery and stayed an extended time in the hospital, at which time I filed an insurance claim against cross country using the policy they sold me. I was told that the policy was invalid because the insurer did not cover the state of Kentucky. I then told cross country that the policy was invalid in my state and was told there was nothing they could do about it.

They refused to refund my money or deduct it from my account and refused to drop the insurance amount from my monthly bill. They then raised the rates and interest charges for overdue balance until it became so out of control that I a woman on disability could no longer afford to pay.

I have paid off my Cross Country Visa care balance in full many times - ranging in payments from $500 - $850. Every time I do, I have to wait at least 10 business days for it to post to my account - even though they debit my checking account 24 hours after I submit payment! Gaah!

Paid off balance in Dec./Jan. timeframe. They have charged me since then with a $50.00 annual fee for the card. Paid $80.00 in July timeframe for the annual fee and late fees, and now they are harrassing me for another $136.00 for late fees and interest. This is a vicious cycle that I cannot get out of. I have not used this card since last year and I don't believe I should owe a total of $210-220 for buying nothing.

I am military and was overseas (Osan AB ROK) during the time of 9/11. At this time mail was not only slow but almost non existant. I worked 17 hour shifts and going to retrieve mail was not an option. The air force provided a standard letter for members to give to their creditors for late and non payment. I provided the letter and as soon as I was able cleared things with the company monetarily...so I thought.

I now have a 30/60 day late on my credit report and I have asked that these things be taken off and they have denied the request several times. I have been a member since 1999 and the only late payments I've ever had was 9/01 and 10/01...I don't want the money it cost to reinstate the card, I just want my credit back!

Cross Country Bank began increasing my monthly payments to the extent that I could no longer pay even the minimum requirement. I tried several times to make arrangements but even after I had made special payment arrangements the phone calls kept coming. The people who called sounded like criminals, they would threatened and offer deals. Two hours later someone else would call and the whole thing started all over again. Sometimes there were over a dozen a day.

My only phone was a cell phone so the charges on my phone bill were also adding up. I explained this to a couple of the people who kept calling. These phone calls were more than just bill collectors, these people were frightening. Their tone was not that of a business person but of a bunch of psychopaths. I even sent a letter explaining that I could not longer receive calls on the number they had. They continued to call. They then threated to call my employer, and garnish my wages.

I paid my credit card balance in full ($495) on 10/6/05 by internet. I left for Hawaii the next day, believing Cross Country Bank would credit my accout within 24-48 hours. When it was not credited by the 10th, I called and was told that it is their policy hold such payments for 5 days. I could see that the payment had been electronically debited from my checking accout, and told the rep that. She informed me that there was nothing she could do, and that my credit would be available on the 12th. I also discovered that a charge had been added to my account, even though I had paid it off, and was not able to use it.

On October 12, my credit was still not available, so I called again. I was told that the first person had told me wrong, that they had the right to hold my credit available for 12 days. She told me that if I would arrange a conference call with a manager at my local bank to verify that the payment had been made, she would release my card from hold. I asked to speak to a supervisor, who told me the same thing. It is now the 18th, I still don't have credit for my payment, and they have had payment since the 10th of October. What good is a credit card if they can cash your check and put a hold on your credit for two weeks out of the month? I have never been late on a payment, and have never bounced a check to this company.

I am an active duty soldier in the army. Due to the time i spend in the field and my upcoming deployment to Iraq, i pay all my bills with automatic draft through Am South Bank. It's easy, they send a check for, in this case $20 more than the min due, at least five days prior to the due date. So far I have had no issue. Until I went to NTC and coming out of the field I had a voicemail from CCB. It was their collections department. So I called and they informed me I was over $80 past due. I explained that I had auto pay and would need to contact the bank and access the internet to try and straighten it out, at which point they told me I had until the next week to pay or I would receive ANOTHER $32 late fee.

I explained I did not have access to the internet due to deployment with the army, however if they could PLEASE just hold the issue until I returned home in a week I wanted to fix it, they told me i could pay now, or I would be assessed another fee. But if I pay now they will give me the COURTESY of removing one late fee. I got off the phone with them, called my bank (rather upset), at which point I was informed that the check was sent out on time. So now if my bank isn't able to fix it within 48 hours of me getting home i have to pay the fees, which will just be deducted from my balance should it be proven that they where at fault. Not even a refund.

What am I supposed to do if this happens and I am overseas?

I have had a $500 limit on this card for over a year. I actually threw the card away a year ago. I make regular payments of way over the amount due..they somehow keep giving me a late fee which always takes me over the limit and then they assess an over limit fee and I can never get it down. Ive been reading tons of emails aobut complaining about this bankcard and see the same complaints I have.

I received the credit card from Cross Country Bank and waited about 6 weeks before I called and activated it. I received a statement with interest charges retroactive back to the time of application. Then they did not send another statement for at least 3 months. They tacked on several overdue fees and started constantly calling day and night 7 days a week. The people were very rude that I spoke to. It did no good to try to reason with them. I would negotiate a deal with one, then another person would call and it was back to square one. They also sent out many threatening letters about how they were going to destroy my credit.

I opened a Cross Country Credit Card back in 1997 with a $ 400.00 Credit Limit. The company started charging all kinds of outrageous fees and I paid the account in full and closed the account. I started getting letters saying I owed them hundredds of dollars in fees and at this time the fees are up to $ 1,500.00. The attorney's for Cross Country Bank Rubin & Rothman have issued a judgement and froze my checking account at Chase Bank.

The statute of limitations since the card was paid off is nearing and the bank is trying to collect the fraudulent fees I went on Consumer Affairs and found an unbelievable article about Cross Country Bank's Fraudulent practices. I can't believe they are still in business and the Attorney General has not shut them down.

I am active duty military and deployed to Iraq. I read that Cross country bank is in violation of consumer laws to wit unfair credit card practice. My wife and I had credit cards through this company and subsequently our accounts were defaulted to "bad credit" via our credit reports.

We have tried to attain information to pay these off our accounts but keep getting the run around about they sold the account to a NCO financial company. When this company is contacted, they say they have no record of this but our credit reports show them as owners of the account.

Could someone please inform me as to the rights of consumers when it comes to becoming a secured credit card holder?

The complaint which I have is with the Cross Country Bank, Boca Raton, Fl. After paying the 21.24% interest rate they charge, I still have to pay 50 cents to use the automated service for account info. and $5.00 pay by phone fee (automated) and $7.00 (in person operator) fee.

I have been complaining for the last 4 months to the operators who will not let me speak with the manager to complain about having to pay the $7.00 as oppose to $5.00 because they refuse to fix their automated service in order to get the additional $2.00 by using the operator. My long distance bill is still being charged because they have a 302 area code to pay by phone.

Please advise me how do I get them to fix this problem and stop taking advantage of the general public who are supplying them with the business to go on.

Unfortunately, there are very few regulations that govern the fees banks charge -- which is why banks keep piling on more and more fees.  It sounds as though you would be better off closing your account and doing without a credit card until you can find a better deal.