Complain about a product or service

Cross Country Bank

Cross Country Bank • Consumer Complaints • Complaints about Applied Card Bank --- News • New York Fines Cross Country Bank $9 Million • Collection Agency Agrees to Write Off Cross Country Debts Owed by West Virginians • Cross Country Bank To Pay WV $1.5 Million • Cross Country Ends WV Stand-Off • Cross Country Bank Fined $450,000 by PA • WV, Cross Country Swap Charges • West Virginia Sues Cross Country Affiliate • New York Rules Against Cross Country • Pennsylvania Sues Cross Country • Texas Suit

lasheika of compton, CA June 18, 2009

my car was repo 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.

Amy of Buford, GA June 11, 2009

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 orig. fee, if and when I ever paid off my account and closed it. I did so on 3/26/09, but even after calling the people listed above, I've rec'd nothing.

Earlene of Cincinnati, OH May 5, 2009

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

BriAnne of Virginia Beach, VA May 1, 2009

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.

BriAnne of Virginia Beach, VA May 1, 2009

I am inthe process of purchasing a house and on my credit report there is a judgement listed from CrossCountry bank so I went to the courthouse to check on the judgement they do not have one in the system so I called the credit bureau and the company which was NCO and I called them and they have no record of a judgement and because this is on the credit report butoone seems to be able to find the judgement it remains on my credit report keeping me from closing on my house. I have never received any documentation of a judgement and neither have my pay been garnished at anytime. I have been a victim of identity theft and that person who did that is now deceased.

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?

Edith of Fort Myers, FL April 2, 2009

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.

Alan of Leeton, MO March 25, 2009

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!

Kashif of Skokie, IL March 6, 2009

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.

Dave of Herriman, UT March 5, 2009

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

Marcus of Rosedale, NY February 27, 2009

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.

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