Applied Bank Reviews
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July 2, 2008
Fees and charges
Applied Bank is just a bunch of scammers sitting around and bilking marks(unsuspecting customers)... If there is any justice in the world the I.R.S., attorney General, F.B.I., will soon be raiding these idiots office (if they even have an office bldg.) and to give people a heads up: the Better Business Bureau is in bed with these people (as long as they pay their dues)...
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June 18, 2008
Rediculous and Hidden Charges
I don't know where to start!!!
A couple years ago I had applied and received a credit card from Applied bank. After I seen my first bill I was shocked and decided to close the account. I paid off all the rediculous charges and closed the account...(End of that card)
However, I receieved another solicitation for a credit card from a different company and accepted their card. I recevied my first bill for the this card and low and behold the bank was AppliedBank again. They had hidden their solicitation to make it look like it was someone totally different.
Before I recieved my bill I had made 3 purchases I believe, 100.00, 30.00 and I think 62.00 for a total of 192.00. I then find out that I am over drawn on the card and now the charges, phone calls, harrasment, rude people etc. will not stop.
I called the people to see why they did this scam under some scrupulous name and suckered me in again AFTER I had stated to them before concerning my first card that I did not want ANYTHING to do with their companies, affiliates, entities etc. ever again and do NOT send me any offers. I continue to get crap from them even after I have one of their trash cards.
So like I said, I called them (rude as all get out people) and told them that I was not going to pay another nickle and they could try and tarnish my credit if they want. I have three other credit cards with higher limits and have never been late on a payment with any other creditors until these lepers came along.
I understand that there are lawsuits going on now against Applied Bank and their partners in New York, Pennsylvania and a couple other states as a result of people like me being taken for a ride.
If you have any information about lawsuits going on in Michigan concerning these predetors please let me know.
Thank you in advance,
Robert S. Shaw
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June 13, 2008
Horrifying & obscene fees
I foolishly have a credit card with Applied Bank, never investigating it before I got my card. I have had the account for a couple of years now and have ALWAYS made my payments on time. Recently, due to no error of my own, Applied Bank claims to have received one payment of mine 4 days late and they are now charging me $180.00 over and above my last ON TIME payment to this account!!! I called to speak to customer service and was told although I do have an excellent payment history, there is nothing they can do. They want the $180.00! This Bank is getting away with ROBBERY!!! Stay away from Applied Bank!!!
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June 13, 2008
Scam charges
I have not used the card this year at all. Every month, I am told I am late and over the limit, even when not late. Their fees push my balance over the limit, but the fees are wrong. I have tried disputing with them, as they say to do on the back of the bill. It says you are not responsible to pay any of the amounts that are in dispute until it is resolved. So I subtracted the disputed amount and paid the rest of that bill on time. Then, I get a notice that they are charging me a late fee and over the limit fee for that amount (being disputed) that was not paid. So I called customer service and got a rude agent, so I asked for the supervisor. She was extremely condescending and would not fix my bill.
I pointed out to her that the amount in dispute does not have to be paid until the dispute is resolved, but she told me I was wrong. So I began to read to her from the back of the bill, about the dispute process. She cut me off and said she was 'fully aware' of what it said, and that it says that you have to PAY the disputed amount, then if they decide it was their error, they will refund it. That is NOT what it says.
I feel like I have no recourse at all and I am up nights worrying about it. I hope we will find help via a class action suit or something. I can't do this. I have made no purchases and my minimum payments are like $185 per month, but the balance never goes down!!
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June 1, 2008
Credit card scam
These people are crooks! They charged me an over limit fee and i didn't even get close to the limit! They also charged me a late payment fee which was not right! I wasn't late! $35 each fee! I refuse to give them a dime of my money until they correct this! When i tried to get in touch with them it was impossible! Cant talk to them on a phone or email. But now they wanna be calling my phone! HA! be a cold day in hell before they get another dime from me!!!
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May 31, 2008
fraudulent charges
Fraudulent charges applied to husbands card. The company was informed IMMEDIATELY! They will NOT take off charges and are charging overdraft fee.Tried to contact by phone 16 times and hung up on EVERY time. When a customer reports frauulent charges they are SUPPOSED to stop payment IMMEDIATELY! I am reporting them to the FBI for fraud!!!
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March 7, 2008
Scam and lies!
My experience with them began in February of this year and ended pretty abruptly when I found out the truth about Applied Bank. This is, in fact, the very same CROSS COUNTRY BANK that ripped off THOUSANDS of people and caused headaches for many more.
I fell for an email ad that came through asking me if I wanted to apply. I was told I was 'pre-approved' for a special offer. This was nothing more than a scam. The application was simple and all seemed well at first... I filled it out and was approved immediately. Then I got a sickening feeling in my stomach like something was VERY wrong here. So...
I began to do some digging online and ran across the very company that Cross Country Bank had used to harass and degrade consumers: Applied Card Services. So I called Applied Bank and was told that it was a mistake and they were not Cross Country Bank, they had nothing to do with Applied Card Services, blah blah blah. I called the PA Attorney General's office and sure enough... the man on the other end, who did not give his name, told me that they were ONE IN THE SAME and that the AG's office will soon be filing a lawsuit against this company for deception and attempting to gain an injunction against them to stop them from ever doing business in PA again.
Eventually, I also found the REAL terms of the card I applied for: 29.75% interest rate... charged from the get-go. The fees begin the minute the card is printed --without you having to activate the card. There is no grace period on new purchases -- you have to pay interest right off the bat. There are two fees. One is a $50 fee charged for issuing the card to you. The other is an astronomical $100 annual fee. And the card only has a $350 credit line. This is the biggest rip off on earth if you ask me.
I called Applied Bank and told them I wanted to cancel. They told me that I could not cancel, and that I was stuck with the card because I asked for it. Then the person I spoke with hung up. I called again, said I wanted to cancel. The person became indignant and began using obscene language, then hung up. The third person I spoke with did cancel the account. Just to make sure though...
Caveat Emptor... Buyer Beware!
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December 13, 2007
Extreamly high fees!
They charge $10.95 monthly fee plus $6.95 to pay online. If you are late the charge is $35.00 the over the limit charge is $35.00. they cashed my check for $8.00 instead of $80.00 so they charged me $35.00 late fee as well as a $35.00 over the limit fee. They told me they cannot refund charges you have to submit in writing a complaint but until then you have to pay your monthly bill plus your late/over the limit fees or you will be charged the next month $35.00 late and $35.00 over the limit. If the dispute is in your favor they will refund the fees bu need to pay them because a dispute can take 10 business days. I would steer clear of this credit card scammer.
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September 5, 2007
Poor service!
Good Luck getting ANYWHERE with this so called bank-they will be the first to lend you credit and the last to commit to any customer service. We have been with them for a few years and now my balance is down to zero-yet I am being billed for a 11.92 month maintenance fee?? I totally agree if I HAD an outstanding balance-but I have NONE. I called the bank and spoke to someone who told me I HAD to pay it but I could dispute it through the FAX number 561-994-9829. They refused to lower my interest rate of 29.99%-after paying them for a few years now... I am going to cancel the card. Well I just tried and their phone system is such a mess-it just keeps rerouting you to the computer link-giving you your balance and such-I tried to reach a human by reporting a lost or stolen card and I got kicked off the system and was told to call at another time!!! This is just another "bank" offering credit to slow/bad credit-the customer service is run out of someones bedroom. Choose another bank unless you are dying for credit.
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