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BBB Accreditation

A BBB Accredited Business since

BBB has determined that Applied Bank meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

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Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Applied Bank include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 153 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

153 complaints closed with BBB in last 3 years | 45 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 4
Billing/Collection Issues 109
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 40
Total Closed Complaints 153

Additional Complaint Information

According to BBB files, any complaints processed by the BBB in its three-year reporting period have been resolved.

Customer Reviews Summary Read customer reviews

5 Customer Reviews on Applied Bank
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 5
Total Customer Reviews 5

Additional Information

BBB file opened: July 01, 1988 Business started: 06/01/1987 in DE Business incorporated 06/19/1996 in DE
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Licenses, Division of Revenue
820 N. French Street, Wilmington DE 19801
http://www.state.de.us/revenue
Phone Number: 302-577-8778
Fax Number: 302-577-8203

Type of Entity

Corporation

Business Management
Mr. Frank Cuoco, Executive Correspondence Mr. Matthew Lee, ‎Vice President/Controller Ms. Karen Weir, Executive Correspondence Mr. Rocco A. Abessinio, President Dana Gutierrez, Assistant Vice President Mr. Tim Hurley, ‎Senior Vice President - Chief Lending Officer Mr. Louis Stackeni, AVP Business Development Officer
Contact Information
Principal: Mr. Frank Cuoco, Executive Correspondence
Principal: Mr. Matthew Lee, ‎Vice President/Controller
Principal: Ms. Karen Weir, Executive Correspondence
Business Category

BANKS CREDIT CARDS & PLANS LOANS LOANS-SMALL BUSINESS SAVINGS & LOAN ASSOCATIONS

Alternate Business Names
Applied Card Bank Applied Card Systems Inc. HomCastle Mortgage National Express Credit Corporation
Industry Tips
Credit- How to Establish It

Customer Review Rating plus BBB Rating Summary

Applied Bank has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • 2200 Concord Pike, Suite 102

    Wilmington, DE 19803

  • 37012 Country Club Road

    Rehoboth Beach, DE 19971

  • P.O. Box 1188

    Wilmington, DE 19850

  • P.O. Box 15060

    Wilmington, DE 19850

  • P.O. Box 15188

    Wilmington, DE 19850

  • P.O. Box 15414

    Wilmington, DE 19850

  • P.O. Box 15795

    Wilmington, DE 19850

  • P.O. Box 15989

    Wilmington, DE 19850

  • P.O. Box 17125

    Wilmington, DE 19850

  • PO Box 17120

    Wilmington, DE 19886

  • PO Box 2170

    Wilmington, DE 19899

  • THIS LOCATION IS NOT BBB ACCREDITED

    50 Applied Card Way

    Glen Mills, PA 19342

  • THIS LOCATION IS NOT BBB ACCREDITED

    2205 Fifth Street Road

    HUNTINGTON, WV 25701

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 1817

    Roswell, GA 30077

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 740237

    Atlanta, GA 30374

  • THIS LOCATION IS NOT BBB ACCREDITED

    4700 Blue Lake Drive

    Boca Raton, FL 33431

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 310711

    Boca Raton, FL 33431

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 310730

    Boca Raton, FL 33431

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 310731

    Boca Raton, FL 33431

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 15414

    Tampa, FL 33684-5414

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO BOX 247001

    Omaha, NE 68114

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

7/19/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I'm contacting Applied Bank in regards to account that appears on my credit. Acct # ************ Please provide the follow : 1- Proof that I am the debtor in question 2- Verify amounts owed and the breakdown of the amount owed 3- Any transactions with the original creditor 4-Verify the original creditor 5-Proof that you are licensed and bonded to collect in the state of GA 6- I'm contacting your in regards to account that appears on my credit. 7- Any Judgments (if applicable) 8-Proof that you own this debt and are entitled to collect on it Any other sufficient documents that will support your claim. Thanks ****** **** Email :********************** CONFIDENTIALITY NOTE: This e-mail message, including any attachment(s), contains information that may be confidential, protected by the attorney-client or other legal privileges, and/or proprietary non-public information. If you are not an intended recipient of this message or an authorized assistant to an intended recipient, please notify the sender by replying to this message and then delete it from your system. Use, dissemination, distribution, or reproduction of this message and/or any of its attachments (if any) by unintended recipients is not authorized and may be unlawful.

Desired Settlement: Correction to a credit report, with a Zero balance statement.

Business Response: September 17, 2015 I am writing in regards to your September 8, 2015 inquiry concerning Mr. ****** ****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. **** via written correspondence mailed on September 18, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. **** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

Problem:
Im contacting your in regards to account ************ ## that appears on my credit. The SOL has expired and these items should be removed from my credit. Please provide the follow : 1- Proof that I am the debtor in question 2- Verify amounts owed and the breakdown of the amount owed 3- Any transactions with the original creditor 4-Verify the original creditor 5-Proof that you are licensed and bonded to collect in the state of GA 6- Proof that the SOL has not expired on this alleged debt 7- Any Judgements (if applicable) 8-Proof that you own this debt and are entitled to collect on it Any other sufficient documents that will support your claim.

 

Desired Resolution / Outcome
Desired Resolution:
Correction to a credit report
Desired Outcome:
II'm contacting your in regards to account ************ ## that appears on my credit. The SOL has expired and these items should be removed from my credit. Please provide the follow : 1- Proof that I am the debtor in question 2- Verify amounts owed and the breakdown of the amount owed 3- Any transactions with the original creditor 4-Verify the original creditor 5-Proof that you are licensed and bonded to collect in the state of GA 6- Proof that the SOL has not expired on this alleged debt 7- Any Judgements (if applicable) 8-Proof that you own this debt and are entitled to collect on it Any other sufficient documents that will support your claim.

 

 

Business Response: June 28, 2016 I am writing in regards to your June 22, 2016 follow up inquiry concerning Mr. ****** ****. The inquiry was referred to me for additional review and response. We have addressed this matter directly with Mr. **** via written correspondence mailed on June 29, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. **** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****4, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

6/30/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I came to a settlement agreement with on behalf of Applied Bank. On paying the agreed amount the account would be considered paid in full and would show a $0 balance. I spoke to a few representatives of Applied Bank one which was a supervisor and they basically told me that they were not going to do it and that is not how Applied Bank works. I stated to them that it was agreed upon by the company that this account would be considered paid in full and will reflect a $0 balance. This has not been done on their part. I even told them I have the letter on the agreement. I would like the account deleted from my three credit reports. 1. They have different dates of last activity 2. The status is being reported incorrectly not part of the agreement 3. The payments are incorrect. I would not like for this account to go into dispute I just want my information deleted. Their reporting is not accurate, According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. Thank you for your time.

Desired Settlement: I would not like for this account to go into dispute I just want my information deleted. Their reporting is not accurate, According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. I would like for this account to be deleted off of all three major credit reporting agencies Experian, Transunion, and Equifax.

Business Response: June 3, 2016 I am writing in regards to your May 23, 2016 follow up inquiry concerning Ms. ***** *****. The inquiry was referred to me for additional review and response. We have addressed this matter directly with Ms. ***** via written correspondence mailed on June 6, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

What was originally offered as a settlement on the said debt that has been paid and should've of been listed as paid in full or to remove the negative items. The business now wants me to pay the remaining balance in full in order to follow through with the agreement.

Regards,

 

 

 

Business Response: June 30, 2016 I am writing in regards to your June 27, 2016 follow up inquiry concerning Ms. ***** *****. The inquiry was referred to me for additional review and response. We have addressed this matter directly with Ms. ***** via written correspondence mailed on July 1, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

6/24/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had a credit card with Applied Bank from 2010-2011. In 2011 economic stresses had an impact on me and my son and I wasn't able to pay the bill on this card; it was later charged off that same year, expectedly so. My son and I are now in the process of buying our first home, but this old account remains on my credit report. I checked with Applied Bank and the representative stated they no longer offer credit cards and she didn't have access to my information to assist me with details. I'd like to send a request to Applied Bank to please delete this account from my credit report as a courtesy. The balance on this credit card is $197, and first started reporting on my credit report on 06/01/2010 -- 6years ago, and has been a "charged off account" for about 5 years. We went thru a lot to get back to where we are now and we're inching that much closer to that bigger goal, but this account is literally keeping me from having a Negative/Collection free credit report. I don't even mind paying the $197 if that means they would delete this tradeline from my credit report. The last four of my SSN is 4249 (please DELETE my SSN if publishing this), the account number on my credit report is "42270974XX".

Desired Settlement: Courtesy delete of this $197 derogatory tradeline be deleted from experian, equifax and transunion.

Business Response: June 22, 2016 I am writing in regards to your June 21, 2016 inquiry concerning Mr. ***** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******** via written correspondence mailed on June 23, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. The person I spoke with, Ms ****** ******** took a payment for $196.91 (confirmation 16062137622411), and stated in exchange as a courtesy they would delete the tradeline from my Experian and TransUnion reports (she stated they don't report to Equifax, and I've never seen it on that report). As long as the accounts are deleted as agreed, I would consider this issue resolved. I will reach back out to the BBB should Applied Bank not honor its agreement, but I'm confident they will. 

Thank You,

***** ********

 

 

 

6/16/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have called Applied 3 to 4 times over the last 6 months asking to speak with someone to settle on my debt with them. No one can help they tell me they do not have a number for the collection department, refuse to give me the email address they are emailing the collection to contact me. I have not received a phone call/voicemail back from them like the customer service reps tell me I will receive to take care of this issue... I would like for applied bank to either contact me to settle on this debt or remove it from the credit reporting bureaus since they will not allow me to settle this debt with me. If I do not answer my phone to leave a voicemail message with contact information so I can return the call. I would prefer emailing me instead of phone calls so I have documentation of any correspondences with them.

Desired Settlement: I would like for applied bank to either contact me to settle on this debt or remove it from the credit reporting bureaus since they will not allow me to settle this debt with me.

Business Response: June 10, 2016 I am writing in regards to your May 31, 2016 follow up inquiry concerning Ms. Jessica ********. The inquiry was referred to me for additional review and response. We have addressed this matter directly with Ms. ******** via written correspondence mailed on June 10, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

6/7/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had to spend an unreasonable amount of time on the phone with someone trying to cancel my credit card. I called, and tried to be nice, but it got to the point of ridiculousness. This company charges unreasonable fees for everything, does not make it easy, and charges interest on zero balances. I had to ask for a supervisor who would not send me a confirmation email stating that the account is canceled and claims that I still owe them more money. I had just paid the full amount on my card online, and they claimed they couldn't see it. They also claim that I still owe more money than what the pay off amount was when I made a payment on line 5 minutes before I called them.

Desired Settlement: I want verification that my account has been canceled and I don't want to be charged any more money that they claim I owe them for no reason. They've gotten enough money from me in the form of outrageous interest rates, monthly fees and annual fees. They also wasted way too much of my time today in some lame effort to tell me what I'll be losing if I cancel my card. My time is worth more than any of their supposed "benefits". There is not benefit to having this card. I want the card canceled, I want verification that it was canceled today, and I never want to see another bill or marketing offer from them ever again.

Business Response: April 12, 2016 I am writing in regards to your March 31, 2016 inquiry concerning Ms. ***** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ******** via written correspondence mailed on April 13, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

Problem:
I filed a complaint in March about the poor customer service. The complaint with the BBB was #********. I was contacted by someone from the company and was told that I would be receiving a refund and should expect it in 5-10 business days. That was over a month ago, and I have yet to receive the check for the money they claimed they were going to be refunding me.

 

Desired Resolution / Outcome
Desired Resolution:
Refund
Desired Outcome:
I want the refund they promised me back in the beginning of April.

 

 

Business Response: May 25, 2016 I am writing in regards to your May 20, 2016 follow up inquiry concerning Ms. ***** ********. The inquiry was referred to me for additional review and response. We have addressed this matter directly with Ms. ******** via written correspondence mailed on May 26, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

6/2/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I applied for a credit card from Applied Bank, shortly receiving the card I became unhappy with the level of customer service and with the exorbitant fees. I contacted customer service and requested that they close my account immediately. At the time of my request the card balance was $ 0. The customer service agent failed to close the account in a timely manner and the account continued to accrue fees until the account was eventually sent to collections. I was forced to pay an overdue balance made up entirely of fees. I am respectfully requesting that Applied Bank remove this unfair derogatory mark from my credit report.

Desired Settlement: remove all references of this account from my credit report

Business Response: May 16, 2016 I am writing in regards to your May 9, 2016 inquiry concerning Mr. ***** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******* via written correspondence mailed on May 17, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

 

 

 

 

5/25/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I paid my credit card balance in full and cancelled my credit card on3/18/2016 received a confirmation code 16031821710746 I received a cancellation letter dated 4/18/16 since then I have received several emails for collection first for $32.00 balance I called three times to speak to a supervisor on 4/6/16 I spoke to **** (********) who assured me it was an oversight and would be resolved. I am still receiving emails to PAY NOW for $76.00 now its $132.00 Now I am receiving harassing phone calls to pay from a collection agency when I explain the account is closed they refer me back to 1************* (applied bank)credit card ending in #9384

Desired Settlement: I have tried several times to resolve this the account is paid IN FULL and has been cancelled I would like NO more harassment on this /and to be assured that this in NO way will effect my credit rating

Business Response: May 16, 2016 I am writing in regards to your May 9, 2016 inquiry concerning Mr. ***** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******* via written correspondence mailed on May 17, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******* directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

5/24/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I submit this complaint in reference to an ongoing dispute with Applied Bank. Applied Bank is currently reporting an invalid and derogatory account on my files held with information agencies. I do not know of any business with them. The account with Applied Bank is very much unknown. I have attempted to resolve this matter swiftly but I have found no success. I have performed the following: 1. Filed multiple investigation requests with all consumer credit reporting agencies. All investigations were verified. 2. Sent a formal request for documentation of the unknown account in March, 2016. No response was provided. 3. Provided notarized documentation of fraudulent activity via mail, in April, 2016. No response or action was taken. Applied Bank has not supplied documentation of the accounts nor have they provided a response as of May 1st, 2016. I have not received correspondence of any kind from this organization in the past. I assert the account listed on my credit reports is invalid and/ or fraudulent. Applied Bank has been supplied with sufficient documentation to raise considerable doubt on the accuracy/ validity of the account. This documentation contained account details, was notarized, and is generally acceptable in this industry (Identity Theft Victim's Complaint and Affidavit). Each day that passes only exacerbates the problem and anguish. It appears my affidavit and letter was disregarded completely by Applied Bank. Based on the aforementioned, I humbly demand the reported original trade line be deleted from all my reports. This matter is not involved in litigation, thus this venue is appropriate. I will request additional assistance from the Attorney General of the State of California and the Consumer Financial Protection Bureau if unable to successfully resolve the matter through this platform.

Desired Settlement: I request the original trade line be removed from my credit reports.

Business Response: May 12, 2016 I am writing in regards to your May 2, 2016 inquiry concerning Mr. ******* *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******* via written correspondence mailed on May 12, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

 

 

 

 

5/10/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i would like the account deleted from my three credit reports. i opened the account in 2012 and paid it off and closed it on my own in jan 2013. it was for a business that i had decided I needed to think about going into more. and applied bank continued to report on my credit report until Nov 2015.. 2 years after i paid it in full and closed it. I would like the company to do me the courtesy of removing it completely from my reports.. there was no reason for them to continue to report it after 2013..

Desired Settlement: i would like it deleted/removed from my Experian, Equifax, and Transunion credit report. thank you.

Business Response: April 27, 2016 I am writing in regards to your April 22, 2016 inquiry concerning Ms. ******** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ***** via written correspondence mailed on April 28, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ***** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

 

 

 

 

4/27/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was looking at my credit report, and came across this company, for a Business Credit Card. I don't own a business, and never applied for a Business Credit Card. I do have a fraud alert on my credit file, they are suppose to call me before opening an account, I have never heard of this bank. I would like to get this resolved and off my credit report

Desired Settlement: Removed from Credit report

Business Response: April 11, 2016 I am writing in regards to your March 30, 2016 inquiry concerning Mr. ****** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on April 11, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I haven't got anything in the mail. I also would like to know what address they have on file?

Regards,

 

 

 

Business Response: April 27, 2016 I am writing in regards to your April 21, 2016 follow up inquiry concerning Mr. ****** ******. The inquiry was referred to me for additional review and response. We have addressed this matter directly with Mr. ****** via written correspondence mailed on April 28, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

4/24/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have paid off my balance on my credit cards with this Institution, however they process every month a $50.00 recruitment payments that had set up when that is a balance due. I called customer service to report my disagreement and they didn't solve the problem and yet they just took another $50.00 on 04/01/2016, as of right now they owe me money being that I have no balance due. This is awful and they system is so difficult that cant even cancel anything. I want my funds back to my checking account.

Desired Settlement: Update their system to stop taking money from consumers accounts without purpose.

Business Response: April 13, 2016 I am writing in regards to your April 4, 2016 inquiry concerning Ms. ***** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ***** via written correspondence mailed on April 14, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ***** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* *************e

4/20/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Last month I paid an $38.00 over the limit fee for a $7.00 purchase which I did not make. They authorized the purchase when the credit was not available. The month I am charge and over the limit fee for going over my credit limit with their fees. This has happened repeatedly I have to call and ask to waive the fee.

Desired Settlement: The Over the limit fee.

Business Response: April 6, 2016 I am writing in regards to your March 29, 2016 inquiry concerning Mr. ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on April 7, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

4/17/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Applied Bank is involved in deceptive business practices and prays on consumers. They allowed my credit card to go over limit which I didn't even think as possible and charged a overlimit charge of $38. The only way my card was able to go over the limit was not due to purchases but account and interest charges that were charged prior to my payment being credit which was paid on the due date. My payment made was 3 times the minimum payment due and they allowed my card to go over limit again mainly forced by the interest and account fees as well the the over the limit fee. It's a continuous loop. Again very deceiving business practices, I am asking for a refund of the over the limit fees and interest that accrued from those fees charged. Also they make the process of contacting them very difficult and tedious by having to mail documentation to have fees waived. 99% of banks and credit card companies you are able to do the same thing either over the phone with a rep or online. Again you have to jump through all sorts of hoops that are back dated.

Desired Settlement: I expect over the limit fees of $76 to be credited to my account as well as any interest accrued by these fees.

Business Response: April 7, 2016 I am writing in regards to your March 28, 2016 inquiry concerning Mr. ***** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******** via written correspondence mailed on April 8, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

4/12/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Yes my payment was due 3/20 (yesterday) realized today i forgot to schedule and paid today. I called customer service requesting the late fee be waived and I was told nothing they could do I had to send them something in writing (SERIOUSLY??) so thats what I'm doing now. I am never late. I just moved last week so just forgot about payment. Not to mention applied bank use to let you SCHEDULE your payment for a future date. You cant do that now because if I schedule the payment it doesnt matter what date i schedule payment to post on it still is deducted my from checking account the day I did the schedule of it and because of that I have to wait till its actually do to make the payment. You need to put your payments back to the way it use to be.

Desired Settlement: I am requesting the late payment fee of $27.00 be refunded. thanks

Business Response: April 5, 2016 I am writing in regards to your March 22, 2016 inquiry concerning Ms. ****** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ***** via written correspondence mailed on April 5, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely,

4/11/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I DISPUTED THIS ACCOUNT WITH ***** ***** IN CUSTOMER BILLING AND FAILED TO FILE DISPUTE WITH THE CREDIT BUREAUS AND FAILED TO REMOVE THIS CORPORATE ACCOUNT FROM MY PERSONAL CREDIT REPORTS, ACCOUNT NO. 9923 AND 8858.

Desired Settlement: FILE FCBA WITH EXPERIAN AND DUSCHARGE THIS BUSINESS DEBT FOR I DID'NT PERSONALLY GUARANTEE.

Business Response: April 1, 2016 I am writing in regards to your March 22, 2016 inquiry concerning Mr. **** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ***** via written correspondence mailed on April 1, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

4/8/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Late november 2015 i had applied for credit, not with applied bank, but with another card, Much to my surprise i was tunred down. I wasnt clear as to why bc my credit score had been in the high 700s for years. I instantly looked up my credit report and noticed that applied bank had a credit charge off accouont listed on my credit report. I instantly disputed the account through the major credit reporting agencies equifax, experian, and transunioun. in a matter of days the dispute came back saying they had investgated. LOL they didnt dispute at all. i didputed again and also sent a deby verification twice to applied bank with no response to this day. The credit reporting agancies will not let me dispute any further bc they said that it was already settled. I called applied bank to get information about the account but they just tried to collect and not give me any infomation. they were rude, unprofessional, and also violated he Fair Credit Reporting Act, 15 U.S.C. § 1681 (“FCRA”) by contacting me at my work place and informing other employees that i was being collected on a bad debt, and on top of that it was on a recorded line at work where i specifically told them they were not to call as it put my job in jeopardy. I still to this day have yet to hear back from them validating the debt besides my name and address associated with the account. I am conting the BBB for help in resolving this issue, i will also be contacting the Attorney Generals office along with an attorney for defimation of character.

Desired Settlement: i respectfully demand that applied bank removes all credit trade lines from my credit report and no longer try and collect on this account. I have attached the multipe errors on the credit report for your review. i do also request that the deletion be in writing on letter head emailed to me along with equifax, experian and transunion, I am requesting that this be completed within 15 days

Business Response: March 30, 2016 I am writing in regards to your March 16, 2016 inquiry concerning Mr. ****** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ***** via written correspondence mailed on March 31, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

 

 

 

 

4/7/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: To begin with my wife contacted Applied Bank in August 2015 concerning a late payment for that month. Her mother had passed away and we were out of town the week the payment was due. They refused to speak with her, and after 4 requests for the paperwork to authorize her on the account still have not sent it. I am on construction sites during their open hours and am unable to call them due to such. That late fee of $38, coupled with the $10.95 payment fee and the $9.95 monthly fee ate up my payment, and sent my account on a downhill spiral of more fees, leading to being over the limit the following month, and incurred an over the limit fee of $38, shoving my payments over $100 a month, which after losing a weeks pay and the expense of the funeral and trip I could not afford. I have continued making payments every month, but if they were not the exact amount I was still considered late, and they have now reported late payments to the credit bureaus! The transmission needs to be replaced in my wife's car, but I cannot refinance the loan on it to cover the cost because of those late payments showing on my report, even though I have proof I have been making payments every month!! I have not been 30 days over in over 2 years. I have made minimum $50 payments every month. They charge late fees the day the payment is due, so if my payment is not there by apparently 4 or 5 on the due date its late. Not everyone works bankers hours. I also never received my new card after my old one expired; I don't know if it was lost in the mail, delivered to the wrong address, or what happened, but after I called them and they sent a new one they charged me $30. Not my fault, I didn't lose it, it was never activated that I am aware of, but still was charged. That fee is ridiculous!

Desired Settlement: I want all of those late payments removed from my credit report first, and then at least two of the over the limits and two of the late charges credited back. I also want my wife authorized to speak to them concerning this account in the future.

Business Response: March 30, 2016 I am writing in regards to your March 15, 2016 inquiry concerning Mr. ****** *********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ********* via written correspondence mailed on March 31, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ********* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

4/7/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have a business Visa card issued by Applied Bank. Applied Bank continues to charge me a $38 overlimit fee each month (for the last 3 months) when the only thing that has put me over the limit is their own fees (monthly maintenance fee, internet payment convenience fee, interest charges, etc.) It is illegal to assess overlimit fees when the overlimit balance is incurred by the card issuer's own fees. Now, the first two times this happened, I gave them the benefit of the doubt as they explained it away in one form or another. However, this most recent overlimit charge (on 3/13/16) is 100% fraudulant, as I maintained a VERY close eye on my activity this time. I made my last payment on 2/28. (This payment INCLUDED the 10.95 convenience fee for paying online, therefore that should not be a factor). At this point, that payment gave me $30 available credit for this most recent billing cycle. I then made a $20 purchase a week later, which was the ONLY purchase during this entire billing period. The only other charges on this billing statement are charges assessed by Applied Bank on 3/13, which put me over the limit, and so they assessed an overlimit fee on top of everything else on that same date. That overlimit fee is therefore not legal. I let this slide the first two times it happened, but this time is inexcuseable.

Desired Settlement: I want a billing credit/adjustment of AT MINIMUM $38, for the most recent (and provable) fraudulent overlimit fee.

Business Response: April 4, 2016 I am writing in regards to your March 22, 2016 inquiry concerning Mr. ******* ****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. **** via written correspondence mailed on April 4, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. **** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********.  The business did indeed contact me and has followed through with the resolution I requested.  Thank you.

Regards,

 

 

 

 

3/29/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company put a hard inquiry on my TransUnion credit report on Sept 26, 2015. I have never done business with or know of this company. TransUnion gave me their number to call ************. I called several times to speak to someone to have this inquiry removed. Each time I call they hang up on me. I've called 4 times today. My next step is to report them to the NJ State Attorney Generals Office.

Desired Settlement: I want this inquiry REMOVED from my TransUnion credit report

Business Response: March 7, 2016 I am writing in regards to your March 2, 2016 inquiry concerning Mr. ***** *******. The inquiry was referred to me for additional review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******* via written correspondence mailed on March 8, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

3/24/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I paid off my total balance on my credit card and they won't let me close the account and Jeep wanting to charge me more money.

Desired Settlement: I want the interest charges dropped and want a zero balance and to be able to close my account.

Business Response: March 14, 2016 I am writing in regards to your March 8, 2016 inquiry concerning Ms. ******* *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ***** via written correspondence mailed on March 15, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

 

 

 

 

2/29/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I never opened an account with this company. I have spoken to several people who keep saying the account is inactive and closed out however I keep getting emails saying I owe fees. I have called and numerous people tell me they will zero out the balance given the situation, however it still is not resolved.

Desired Settlement: Zero out the account balance as they stated numerous times that they would. Please send me a document in the mail stating this was completed.

Business Response: February 19, 2016 I am writing in regards to your February 10, 2016 up inquiry concerning Ms. ***** **********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ********** via written correspondence mailed on February 5, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ********** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

2/26/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i am late on a payment, account was shut down by me, i am still charged a service fee every month, credit card payment fee (because once i receive the bill if i mail it it is late) so i pay online for a huge fee, 9.95 monthly maintaince fee...well bill was due on the 6th, today is the 10th and the say i owe $108 minimum, how??? my balance is $230.47 i have been trying to pay this down for the last 2 years, it was $800, never been late but 1 time, and now they are keeping in this loop of fees, that i can not get out of, im tired of this, i am unemployed and this makes it even more difficult, i tried 2 years ago to get you to help me settle this with them and they have not even tried to be reasonable! that i have paid in fees in the last year $119 for month fees, and $131 for paying on the internet.... thats more than what i owe, i am tired of this! this is unfair business practices to keep a client in the fee's loop! they could easily right this account off since i have paid them more than enough money! and they know it, they are just trying to keep me in this crazy mess for a long time and i cant afford this!!

Desired Settlement: right off this account and be done with me! i never wanna do business with this company again!

Business Response: February 19, 2016 I am writing in regards to your February 11, 2016 up inquiry concerning Mr. **** *********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ********* via written correspondence mailed on February 19, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ********* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I have talked to Mrs. ******** who is very understanding and was very helpful to resolve this matter in a very fair and kind way!! Thank you all for your help!

Regards,

 

 

 

 

2/26/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I emailed and also spoke with applied bank people several times since December.. about not having a payment for January, and family in turmoil from losing a family member.. That I would have minimum payment for February as before if not a bit more... the repose as I have it below and will place here.. they will not waive a fee, and their fees for being late placed me over my credit limit.. so now instead of 35.00 in february? they want 146.00 which I am showing you a copy of email from them I just received.. come on for one month? no fees can be waived? and placing me over my limit? because of their fees? response from them is below The only way to stop or prevent the fees is by making the full payment of $146.00 by the payment due date of February 8th. If the full payment is not receive you will receive another late fee on the account. And any or every month that the full payment is not received another payment will be assessed. We can not consider any fee removals until your account is in a current status.

Desired Settlement: applied bank to squash the late fees which placed me over the limit.. and place me back on the minimum payments before all fees began to swallow us up...

Business Response: January 29, 2016 I am writing in regards to your January 18, 2016 inquiry concerning Ms. ***** ****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. **** via written correspondence mailed on January 29, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. **** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I was contacted rather quickly from this bank about what I owed not how they were charging me. not that their late fee would not be dismissed as a one time  offer to customer service as I have always been on time and  have never been late except this once Januarys payment as 

it was supposed to be a minimum payment due.. but because of their charging us a late fee which also placed me over my limit..

now they are requesting a full 146.00 payment..

she from said bank said

this call is being recorded.. which was annoying.. and said they would wave 50.00 of the amount they want if I could make a 104.00 payment in february..

which I explained as I did in december.. that I would be making a regular payment... minimum.. 35.00 or 50.00 payment which was all I could do.. since death in family, and funds at this month in january were

 low.. she would not wave late fee.. and I needed to make  a 100.00 payment or there would be also additional fees. which I said

I would make a payment in feb and in upcoming months for amount I could afford and would be cutting up card.. and after paid off.. not doing business with the bank again.. because of their fees.. which place you over a limit.. and charging a person up and over 100.00 just in their fees alone. I asked them not to call me at home.. because I am taking care of 92 year old aunt with alzeimers, and uncle and also trying to get all bill caught up.. I told her all other businesses wave late fees and  this did not cause me an over the limit amount.. plus she said for taking money out cash advance, for going to funeral.. anothre charge plus interest.. they are not willing to work with me for  1 time late payment.. and fees.. also

 calling me at home and it took them 5 minutes to tell me who they were???

so I just want the fees removed so I can make 50.00 payments each month

  until I can make bigger payments and be done owing this card anything.. I would like to keep the card

but like I said.. nobody wants to let go of the fees so I can get this cards payments down..

sincerely ***** ****

 

 

Business Response: February 26, 2016 *** **** ***** ****** ******** ****** ** ******** ** ***** *** *** ******* ** ***** *** ***** **** *** **** ** ******** **** *** ****** I am writing in regards to your February 18, 2016 follow up inquiry concerning Ms. ***** ****. The inquiry was referred to me for additional review and response. We have addressed this matter directly with Ms. **** via written correspondence mailed on February 26, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. **** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

2/21/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On my Experian credit report, I have listed an Applied Bank business card account. However, it is listed on my personal credit report. I have written to Applied Bank to send me an agreement stating that I will be held persoanlly liable for business debts. Since I did not receive any letter from Applied Bank, I am assuming that this issue will not be resolved. If there was an error, then a simple deletion from my personal credit report is fine.

Desired Settlement: deletion of tradeline from Experian

Business Response: February 3, 2016 I am writing in regards to your January 22, 2016 up inquiry concerning Mr. ******* ****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. **** via written correspondence mailed on February 3, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. **** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

2/19/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had did an on-line application for a loan to be direct deposit into your account of $500.00 dollars. While filing my information, the lender requested on how much of a loan and I did type in $500.00. Then it requested for my debit card number, so I type my card number in with false pretense of the loan to be deposit into my account, but instead this was a with drawl of $500.00 dollars from out of my account. I had to do a research just to find this customer service number and even explained that there business showed up for loan matching. The customer service staff that I had spoken to where extremely rude and did not want to resolve this matter. I had to call several time just to have them deposit the money back to my account. I had even explained that my account had received five bounce charges, which are $35.00 dollars each. The staff stated that it was not their problem for the bounce charges. The reason I writing on this company is because I had done lend up and it was deposit into my account. But this company is rigged onto the pages for loans and deceives people who are applying for a loan. This company MasterCard Surge slides in as a loan giver but instead trick people into purchasing a credit card through them. I as a person am not the only person that had got sucked into this deceiving loan. I had went thought the process to tell the customer service about this issue and one of the comments was it was in the small print that this was to purchase the card. Also, the loan amount was the purchase of the card. Why ask for a loan amount when you are being charged from you bank account for a loan that your requesting. This company needs to be investigated for falsifying loans for purchasing their card instead. The amount is not your request for a loan but, a purchase to use the card under MasterCard Surge. This is sneaky way in taking advantages of people. Thank you for reading my issues on the false loan. You could contact me at ************* if you need more information.

Desired Settlement: I would like to be refunded for all the bounce charges, that I am left with, due to the false loan request. My account was not in the negative until the loan was false. It asked for what amount you are requesting for a loan and I put $500.00. It clearly asked what loan amount, so this was false because $500.00 was removed from my checking account. The charges that I am left with are five charges of, $35.00 each, plus $5.00 for each day my account is in the negative balance. Total is $210.00.

Business Response: January 29, 2016 I am writing in regards to your January 20, 2016 inquiry concerning Ms. ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ****** via written correspondence mailed on January 29, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

2/17/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Back on 12/24/15 I came to a settlement agreement with Credit Control LLC on behalf of Applied Bank. The agreement was to pay $866 dollars to settle the account. In paying the agreed amount Credit Control stated that the account would be considered paid in full and would show a $0 balance. As of today the money has been taken out but my account still shows a balance. I spoke to 3 representatives of Applied Bank one which was a supervisor and they basically told me that they were not going to do it and that is not how Applied Bank works. I stated to them that it was agreed upon by the company that this account would be considered paid in full and will reflect a $0 balance. This has not been done on their part. I even told them I have the letter on the agreement and I was even told by the supervisor I was lying and I do not have a letter. This is a shame to call a customer a liar. One of the representatives I talked name is *****. I also have the letter as proof of agreement.

Desired Settlement: I want an apology by the 3 representatives who refused keep their end of the agreement up and especially the supervisor who called me a liar. I want this account removed from credit bureaus.

Business Response: February 4, 2016 I am writing in regards to your January 28, 2016 up inquiry concerning Mr. ****** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on February 5, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

 

 

 

 

2/15/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: creditor agreed to delete inaccuracy but remains on my credit report.

Desired Settlement: delete inaccurate information off my credit report.

Business Response: January 29, 2016 I am writing in regards to your January 18, 2016 inquiry concerning Ms. *** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ******** via written correspondence mailed on January 29, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

2/13/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I used my card at a gas station in Malibu purchasing $20.34 in gas for my Hybrid. The gas station billed my credit card but also an additional $75.00 showed up on my account the same day, same time, from the same station. I called Applied Bank who told me the gas station added this additional charge. I tried to explain my Hybrid does not even hold $95.46 in gas but the only info I was given by the supervisor was that I needed to wait 30 days to see if the charge would fall off. She refused to allow me to even file a complaint for fraudulent billing. When I called the gas station they informed me they only charged my card once and it was the credit card that fraudulently billed me cause they have no history of ever billing my card the additional $75.00. He even said they would issue a credit if i could prove the authorization of the charge. When I called the supervisor back this time she told me that: WHEN ONE OF OUR CUSTOMERS PURCHASES GAS WE CAN AUTHORIZE UP TO $200.00 ADDITIONAL DOLLARS AND HOLD IT UP TO 30 DAYS. Is this legal? She actually had the audacity to tell me that at least it was only only $75.00 and not the usual $200.00. In the meantime while they hold my money I will pay interest, and an over limit fee for something I never received and the poor gas stations that accept this fraudulent card suffer allegations of fraudulent billing from the consumers that frequent their establishment.

Desired Settlement: Government needs to shut this company down and there needs to be Class Action Lawsuit against them.

Business Response: January 27, 2016 I am writing in regards to your January 14, 2016 inquiry concerning Ms. **** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ******* via written correspondence mailed on January 25, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

2/9/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: These people are insane. I was trying to rebuild my credit. Unbeknownst to me you cannot reach them on the telephone, via email or even by Indian smoke signals. They charge exorbitant fees that keep adding on - you never end up clearing the credit card because they charge you continual $38 fees and then $50 fees and unexplained fees that they refuse to take off - until this gets resolved I am not paying them $38 fees, I am not paying them additional $11 fees for processing their LATE fees - they are a rip off and if you do the research online you will see many people have been had by them!

Desired Settlement: Either adjust my credit card appropriately without all of these hidden fees or go away and close the account. Happy to pay exactly what I used. But I am not paying fictions fees - and my husband also has the card and got slammed the same way!

Business Response: November 20, 2015 I am writing in regards to your November 11, 2015 inquiry concerning Ms. ***** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ******* via written correspondence mailed on November 23, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

 

Problem:
This is the second time complaining - we originally put a complaint in because they were busily charging us outrageous charges that we never made - if you look up online many consumers are having this problem with this bank. I now get a collections notice - the bill that was $140 DOLLARS is now $704 dollars! Yep they are charging their late fees etc - this is how they make money off people by suckering them into taking their card then hiking late charges up the wazzooo - they need to be stopped - this is a scam

 

  
Desired Outcome:
I want these people to adjust the bill accordingly - when the correct amount is put down that is owed I will honor what needs to be paid. I will not pay their bloated ridiculous charges and in addition they need to take their mark off my credit reports immediately. They are a scam company.


Business Response: January 27, 2016 I am writing in regards to your January 19, 2016 follow up inquiry concerning Ms. ***** *******. The inquiry was referred to me for additional review and response. We have addressed this matter directly with Ms. ******* via written correspondence mailed on January 27, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

2/3/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I paid off the account. They continued to bill me. I called back and spoke with ***** id # *** and was informed that I had a past due balance of 6.85 cents which was a recurring back fee because I didn't terminate the account via customer service. My account was placed in collections because when it was less than 30 days past due. I explained to her that the previous rep in collections stated that my account should NOT have been in collections. At thatI point I optioned to pay the full balance off with him and close the account. A week later I received a past due notice in my email stating my account was past due again. After contacting the bank, I was informed that I had an outstanding 6.95 balance and that this balance would accrue at 6.95 per day until the balance was paid off. I was also informed that I'd be charged a 10.95 fee to close the account because it was a business account. This is absurd. When I ask to speak to the supervisor I was informed that I couldn't.

Desired Settlement: I want ALL of my fees refunded, included the initial fees for the card. This is a complete scam. If not I will report this back to every consumer agency possible.

Business Response: January 27, 2016 I am writing in regards to your January 14, 2016 inquiry concerning Dr. ** **** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Dr. ***** via written correspondence mailed on January 27, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Dr. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

2/3/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have had a credit with applied bank for about 7 years. On November 2014, I made my credit card payment of $97 over the phone. Then in December, I made another payment of $147.43, not realizing that I am overpaying. Because the November payment of $97 was withdrawn from my PNC bank account but was never credited/posted to my applied bank credit card account. A few days ago, I saw my credit report from trans union and it stated that I was deliquent on the November payment of my applied bank credit card. I contacted applied bank immediatly because I was not deliquent. After I spoke to a customer service representative, she informed me to fax my bank statement indicating the portion when applied band withdrew it from my bank. Do I faxed the document to them on Monday, January January 4th 2016. So I called them today January 6th and they said they have credited my credit card account with $97 for the November payment. But However, they refused to contact the trans union the credit reporting agency to remove the deliquency from my credit. This has ruined my credit and I would appreciate that they contact credit reporting agency to remove the deliquency because i was never deliquent on my payment. It was not my fault that they did not post the payment to my account.

Desired Settlement: This has ruined my credit and I would appreciate that they contact credit reporting agency to remove the deliquency because i was never deliquent on my payment. It was not my fault that they did not post the payment to my account.

Business Response: January 20, 2016 I am writing in regards to your January 7, 2016 inquiry concerning Ms. ********** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ******** via written correspondence mailed on January 21, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

 

My credit history still shows delinquent as off January 20th 2016. I am so tired of dealing with them. They said they fixed it. Also Applied bank basically said there is nothing they can do about my credit score. Applied bank ruined my credit Score. My credit score was 754 before applied bank incorrectly reported me as delinquent. After the report, my credit score dropped to 659. They ruined my credit score. It took me a long time to build my credit and the screwed it up! I will never use their credit card again and I will never recommend it to another person. They keep saying they fixed it. 

Regards,

 

 

 

Business Response: February 3, 2016 I am writing in regards to your January 28, 2016 follow up inquiry concerning Ms. Motunrayo ********. The inquiry was referred to me for additional review and response. We have addressed this matter directly with Ms. ******** via written correspondence mailed on February 3, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

2/2/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Charged late fees two months in a row when website "conveniently" lost my payments on due date. Website is always non-functioning on due date with access problems. Also have had payments refused by online service when trying to pay more than minimum payment.

Desired Settlement: Bank should start accepting payments close to due dates and not constantly lose payments intentionally so they can collect extra late fees.

Business Response: January 26, 2016 I am writing in regards to your January 14, 2016 inquiry concerning Ms. ********* *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ******* via written correspondence mailed on January 27, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

1/28/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: December 18, 2015 Mr. ******* ******, VP of Operations Applied Bank 2200 Concord Pike, Ste 102 USPS Priority Mail/Delivery Confirmation Wilmington, DE 19803 Re: Account Dear Mr. ******: We spoke on the telephone on December 2, 2015 and I received your follow-up certified mail on December 12, 2015 with detailed account information, as requested. Thank you very much. Missing, however, was a letter we received in early November [estimated], our first and only communication from Applied Bank on this matter. It announced the closure of our account due to inactivity, which triggered my call to your Customer Service Department who informed us that a check for our account balance would be arriving in a week or two. When we did not receive it, I followed up and eventually was connected with you, on December 2nd at which time you informed me there was no balance or check, due to service fees which consumed the balance. After reviewing the packet of information you sent, I do take issue with the following: ? Your dormant and service fees, a total of $20 per month, is excessive ? A “dormant” account/fee and “service” fees are never defined, merely listed ? These fees are certainly heavy-handed and may be beyond banking practices and regulations ? Applied’s “efforts” to contact us were minimal – one letter, very late in the process after fees began consuming our balance and zero telephone calls; All contact and efforts are under your control and on your terms. You should add “contradictory” and “confusing” to your description. ? This all seems to oppose your “valuing our banking relationship” attitude as stated in your February letter. Even if our first attempt failed, we might have returned. We are therefore requesting that our account balance of $100 be refunded to us by 2/1/2016 to the address below. Failure to comply will result in our filing with Broward County [FL] Civil/Small Claims Court [acceptable as an option to Arbitration, per your Branch Manage

Desired Settlement: Refund of $100 account balance.

Business Response: January 22, 2016 I am writing in regards to your January 11, 2016 inquiry concerning Mr. ***** *********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ********* via written correspondence mailed on January 25, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ********* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Thank you for your assistance.

 

Regards,

 

 

 

 

12/22/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: After years of poor customer service I finally paid off this account on October 22, 2015 and then once the payment posted I called in to the customer service line on 11/2 to close my account. I spoke to a representative who assured me I did not owe anything else and would not receive another bill. I asked him to double check because this company has been deceitful in the past. He assured me that I had a zero balance and that I would not be billed anything else. On Wednesday, November 25th I received a bill for another 15 dollar monthly fee and 50 cents interest. I called to ask them why and the first rep "***" put me on hold and then hung up on me a few minutes later. I called back in and spoke to another rep and she put me on hold as well. She told me that they could not remove the fee because I had not closed my account properly. I asked for a supervisor and spoke with "********" operator ID ***. She refused to be of any assistance and refused to remove the fee. When I explained what happened she said "well that's not in our notes". I told her that I don't think it is my fault if her associate did not note the account and she said that no one in the organization had the ability to remove this fee. She stated that my card agreement states I owed the money, but the point is that I spoke to the representative who closed my account and he assured me I had a zero balance and would not be receiving any other fees. I asked her to look up the call since she said they were recorded, but she would not. I ended up paying the additional 15.58 and asked her to state that I did not owe anything else on the account. She said I did not. This company has been nothing but a problem the entire time I was with them, and this was just the last straw.

Desired Settlement: I would like a refund of my E15.58 based on the fact that when I closed the account, the representative had a responsibility to note my account and he did not. I called in to close the account and part of the "account closure" workflow should be properly noting the account and advising of any additional payment due. I specifically asked him whether I owed anything or would ever owe anything else and he specifically told me I was done. I believe this company owes me an apology and my $15.58 back. Thank you.

Business Response: December 8, 2015 I am writing in regards to your November 30, 2015 inquiry concerning Mr. ****** *********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ********* via written correspondence mailed on December 9, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ********* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 

Regards,

 

 

 

 

12/18/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Paid off balance in full and next statement had a $2.59 balance. Paid off 4 other charge cards in the last 6 months on the due dates and all next statements had zero balance. Called applied bank to ask why I was being charged after I paid off in full and was told that being I paid it off on the due date I had to pay for the next month. I asked how do you know how much to charge me for when it is a zero balance. They said that is the way it is and I said what a crook they are and the man hung up on me. I also have a business card with them and with no warning they started charging me a $9.95 monthly fee when I called about that I was told if I did not want to pay that I have to close my account and pay it off in full. Applied Bank tried to pull that on my first card but I closed the account and was able to make payments under old terms. I have 20 cards and Applied Bank is the worst. Why are they aloud to operate like that. Is there other places I can take my complaints to. The $2.59 was just the last straw.

Desired Settlement: Not to pay the $2.59 on a zero balance and the $9.95 monthly fee I did not agree to.

Business Response: November 30, 2015 I am writing in regards to your November 19, 2015 inquiry concerning Mr. ****** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******** via written correspondence mailed on November 30, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

12/3/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I established a secured card with the said company in order to rebuild credit and I closed my account after I had multiple payments made on my account to increase the limit I was then advised that I had those payments sent to the wrong department they were suppose to go to a department for my security deposit well by this time all payments had posted and my account was red flagged for the multiple payments at this point I was told I would have to wait 30 days until my payment clears as of today I have been waiting 3 month's and have not received a dime of my money back.

Desired Settlement: I am requesting a refund for my security deposit of $2100.00 plus my credit balance of $7410.45 in the form of a cashiers check or bank draft I have been waiting on these funds since September.

Business Response: November 24, 2015 I am writing in regards to your November 9, 2015 inquiry concerning Ms. ****** ****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. **** via written correspondence mailed on November 25, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. **** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. ********** ***** **** ********* **************

11/26/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I signed for autopsy in return the customer service representative agreed to remove the late payments I received in 2015 . But they have not kept up their end of the agreement.

Desired Settlement: I would like my late payments to be removed as discussed since I have held up my end of the agreement with autopay

Business Response: October 30, 2015 I am writing in regards to your June 29, 2015 inquiry concerning Ms. ****** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ***** via written correspondence mailed on November 2, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely,

11/23/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently closed my credit card account I had with Applied Bank by paying 100% of the balance due. I then received a bill in the mail as a result of going over the credit limit prior to closing the account, so I called the customer service number and paid that amount as well, however because this bank charges a fee to make payments, I now have another amount due of $6.95 cents. I called to request that this amount be waived and the customer service rep said there was no way She could waive the fee, I would have to send something in writing, or pay the fee by using the online pay system, which would charge me a fee of $ 10.95 just to use that service! That to me seems so unfair and excessive, I really feel like I have been fleeced and taken advantage of, and I just want this account to go away!

Desired Settlement: If someone would contact Applied bank on my behalf and request that they waive the $6.95 fee incurred from using their bill pay, I would greatly appreciate it!

Business Response: November 20, 2015 I am writing in regards to your November 11, 2015 inquiry concerning Mr. ***** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******* via written correspondence mailed on November 23, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

 

 

 

 

11/9/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: credit card call center staff has misrepresented and submitted false statement to credit bureau by stating "consumer has chosen" to close account when no conversation has ever taken place.

Desired Settlement: removal of false statement to credit bureau as well as account correction.

Business Response: October 16, 2015 I am writing in regards to your October 9, 2015 inquiry concerning Mr. *** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on October 19, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

10/30/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In August 2015, I opened an account with Applied Bank (Business Credit Card). I have yet to receive any transaction history what so ever, or a break down of the charges on this account so I can verify validity of any charges. I have never been able to access my transaction history via their online banking portal. Applied Bank has sent me an invoice stating that my account is over the limit in the amount of $146.00. I contest the validity of any charges that are ongoing, and I have been provided no transaction itemization of any kind. Upon further review of this company, I have found that this may be common practice with Applied Bank as allegations are swirled over the internet that are similar in nature. It is my contention that Applied Bank intentionally does not provide transaction history for reasons of charging excessive interest, and fine print fees.

Desired Settlement: Because of the amount of harrassing phone calls I have received from this company, and after numerous requests with their representatives to provide me access to my transaction history via their online portal or through U.S. Mail, I am seeking that this account is absorbed by Applied Bank, and Closed out with non-reporting to the (3) Major Credit Bureaus as their neglect in providing me, their customer, an invoice breakdown and reasonable remedy to bring this on going to matter to a close. I am seeking the entire balance of "$612.22" be absorbed by Applied Bank, and the account closed with non-reporting.

Business Response: October 9, 2015 I am writing in regards to your September 30, 2015 inquiry concerning Mr. ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on October 12, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely,

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

As outlined in the original complaint, this Applied Bank account was open in August 2015.  I was not provided with any statements, after various requests until October 7th, 2015 while fees and interest accrued on charges that were not able to be validated at the time.  The account "origination" fee is $125 subsequently allowing this account to become in default as a result of Applied Bank's failure to provide a statement in a reasonable time period.  Due to the excessive amount of inbound phone calls to the account holder, and the lack of accountability on Applied Bank's part, as a remedy I vehemently request that Applied Bank cease all Credit Bureau Reporting, and close this account while clearing the balance.  Applied Bank has breached FCRA by providing phone calls to my mobile cell phone without justifying/validating the account balance after numerous requests by the account holder. FCRA Section 623(a)(1)(C)

Regards,

 

 

 

Business Response: October 22, 2015 I am writing in regards to the October 15, 2015 follow-up inquiry concerning Mr. ***** ******. The inquiry was referred to me for additional review and response. We have addressed this matter directly with Mr. ****** via written correspondence mailed on October 22, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely,

10/26/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I made my payment on the due date of 9/9/15 baying the balance in full. However I was charged a late fee because I live in a different time zone and did not pay by the arbitrary time of 5pm EST. I was not notified of said late fee and believed my balance was 0. however in October I was contacted that I was over 30 days late on my payment and now owed $106. All of which were fees, I had made no purchases in that time. I was treated rudely and was refused when I requested to talk to a supervisor. Two days later after being harassed by their call center I was finally contacted by a supervisor who said the President refused to refund the fees. She admitted the polices was unfair but refused to help me, when I disagreed with the charges I was threatened with further charges and actions against my credit score.

Desired Settlement: Refund of the $106 in fees.

Business Response: October 21, 2015 I am writing in regards to your October 16, 2015 inquiry concerning Mr. **** ******* The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on October 21, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, e

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

 

 

 

 

10/23/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have been trying to close this account. I would like to pay off the balance and close the card and stop my direct debit from my checking account. My online access will not let me log on. I have given them all the information that they need to pay this bill off. Yet they said I am not who I am after verifying my account. I just want to pay this account and pay it off. I do not want to have this hit my credit. I do not want them to keep taking money out of my account. I have tried to speak to a supervisor but they will not let me speak to them. they keep asking me again for personal information. I have wrote them a letter verifying them information of who I am. thank you,Arthur Lott Product_Or_Service: none Account_Number: none

Desired Settlement: DesiredSettlementID: Other (requires explanation) just want to pay this balance and stop my direct debit

Business Response: October 5, 2015 I am writing in regards to your September 29, 2015 inquiry concerning Mr. ****** ****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. **** via written correspondence mailed on October 5, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. **** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

10/4/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On 8-28-2015 I paid my statement account balance in full 2801.89 to close my account. I received a statement dated 09-14-15 showing an interest charge of 29.36 plus a maintenance fee of 5.00 dollars for a zero balance account. I now owed Applied Bank an additional 34.36 (29.36 interest and 5.00 maint.) I called to have this corrected but ***** ID *** informed me too bad I was now having to pay interest on 1,174.77 dollars and would now have to pay 34.53 to close the account. I tried to pay this on line but could not as it exceeded the current balance. I called back and I got ***** ID *** who informed me he could take the payment over the phone but I would have to pay three cent more than ***** had quoted plus another 5 dollar maintenance fee. for a total of 39.53. I paid the amount to close the account and prevent this cycle of never have a true zero balance. At least I hope it was closed I am waiting confirmation.

Desired Settlement: I had a zero balance account which should have been closed when I asked but instead they plaid their games to obtain an additional 39.53 out of me.... and would have keep this game up as long as they could. I want the 39.53 refunded to me.

Business Response: September 24, 2015 I am writing in regards to your September 21, 2015 inquiry concerning Mr. ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on September 24, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely,

9/9/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I called and cancelled my credit card with Applied Bank back in February 2015. In July I called because I received collection alert from transunion that I had a collection on my credit. I called immediately and ask what this collect was for. They explained it was for the annual fee for having the card. I explained that I had cancelled my card back in February of this year. The person I was speaking to said that my card was never cancelled but he could not figure out why I had not received a bill. He then told me that I would have to dispute the late charge with the credit bureaus that there was nothing he could do however he could cancel my card now if I wanted to. This now has damaged my perfect credit and because of this I was turned down for a line of credit through my bank. All because of this annual fee that should not been charged to me in the first place.

Desired Settlement: All I want is for them to remove the collection from my credit report. It should not be on there and I have not used that card for over 2 years. And it was cancelled several months prior to them charging the fee and putting a collection on my credit.

Business Response: August 11, 2015 I am writing in regards to your August 3, 2015 inquiry concerning Mr. ***** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******** via written correspondence mailed on August 11, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

8/12/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been with this bank since January 2005 and on 7/22/2015 I logged in to pay off my credit card. According to the balance on the website my balance was $2,314.58. I made that payment from my personal checking account on 7/22/15 as stated above. Today 7/27/2015 I logged in to see that my payment posted and that I had a zero balance, ($0.00)! I called to CLOSE the account as the interest rate of 29.99% is too high, and I did not want to keep paying a $15.00 MAINTANCE fee for something I wasn't going to be using anytime soon (if ever), as I have other cards with NO MAINTANCE FEE with higher limits and lower interest rates! I was told that I had an OUTSTANDING BALANCE of $32.35 that would need to be paid by 8/1 or I would have another $15.00 MAINTANCE fee charged. Looking at my "Account at a Glance" from today it shows a Current Balance of $0.00 and NO Pending Transactions. Credit Limit of $2,400 - Available Credit of $85.00 and a Payment of $2,314.58 (if you take) the Available Credit of $85.00 + the Payment of $2,314.58 that equals $2,399.58 (leaving me an out standing balance of $0.42).

Desired Settlement: I want Applied Bank to remove the $32.35 that they say I owe and CLOSE MY ACCOUNT. AND not ding my FICO score.

Business Response: August 6, 2015 I am writing in regards to your July 29, 2015 inquiry concerning Ms. ******* *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ***** via written correspondence mailed on August 6, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ***** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

7/26/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I UPDATED MY CHECKING INFORMATION FOR PAYMENT, HOWEVER APLIED BANK SYSTEM FAILED TO UPDATE MY BANKING INFORMATION AND CHARGED ME WITH A $36.00 FEE. I CONTACTED APPLIED BANK REGARDING THIS ISSUE. AFTER I ADVISED THEM ABOUT CLOSING MY ACCOUNT, THEY REQUESTED FOR ME TO PAY THEM OVER $100.00 IN FEE IN ORDER TO CLOSE MY ACCOUNT. I THINK ITS VERY UNUNETHICAL OF HOW APPLIED BANK IS TRYING TO STEAL MONEY FROM THEIR CARD HOLDERS.

Desired Settlement: MY ACCOUNT HAS A LIMIT OF $800.00 AND I EXPECT TO PAY $800.00 TO CLOSE OUT THIS ACCOUNT AND NOT EVER TO DO BUSINESS WITH SUCH COMPANY AGAIN.

Business Response: July 9, 2015 I am writing in regards to your June 29, 2015 inquiry concerning Mr. **** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on July 9, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

7/26/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Over a month ago i closed my account woth this company abd requested a refund check. I called today asking them to resend my check thinking that since its already over a month since i canceled with them so they will quickly send me another one.. to which they told me it would take another month for them to do so. The reason i canceled my card is due to how they did not qucikly enough handle my dispute last year. They take your money quickly but some kind of a way feel it necessary to take a full month or more to returm it to you. I would not tell anyone i know to every get this card.. theybare not customer friendly. I got the card to just have something to use for internet purchaes.. that was truly a mistake

Desired Settlement: I would like my money back asap and whatever else i can get at this point im so mad.

Business Response: July 15, 2015 I am writing in regards to your July 15, 2015 inquiry concerning Ms. ******* *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ***** via written correspondence mailed on July 16, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

7/21/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had a secured credit card account with applied bank a few years ago: ***************** At some point i decided to close the account, but they would not apply the secured amount i had used as collateral. They eventually sent the item to collection and i had to settle with the collection agency. Even after trying to have the collection agency inform them to apply my secured deposit, they failed to do so and reported it to the credit bureaus.

Desired Settlement: Deletion of entry from credit reports

Business Response: July 13, 2015 I am writing in regards to your June 29, 2015 inquiry concerning Mr. ***** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******* via written correspondence mailed on July 13, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely,

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

 

 

 

 

7/12/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Account paid in full and closed. Charging interest and fees. They tell me it is because they charge daily interest and even though I paid and the charge went through that day there was additional fees. I contacted them and there is no way to pay the balance in full because there is always a charge at the end of the day. I did not sign up with this bank. My account was sold or transferred to them. They are predators and impossible to do business with. I will now have late fees on an account that was paid in full because their supervisor told me there was no way to resolve this issue.

Desired Settlement: I would like the service fees refunded.

Business Response: March 12, 2015 I am writing in regards to your June 15, 2015 inquiry concerning Ms. **** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ****** via written correspondence mailed on June 25, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

7/11/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: To Whom It May Concern: Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you for $3344.00. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 (b) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus (Equifax, Experian, Trans Union), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following: Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Please provide the following: • Agreement with your client that grants you the authority to collect on this alleged debt. • Agreement that bears the signature of the alleged debtor wherein ***** agreed to pay the creditor. • Any insurance claims been made by any creditor regarding this account. • Any Judgments obtained by any creditor regarding this account. • Name and address of alleged creditor. • Name on file of alleged debtor. • Alleged account number. • Address on file for alleged debtor. • Amount of alleged debt. • Date this alleged debt became payable. • Date of original charge off or delinquency. • Verification that this debt was assigned or sold to collector. • Complete accounting of alleged debt. • Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Applied Bank in case legal action becomes necessary. Your claim cannot and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards ******* *******

Desired Settlement: if your company can not provide the requested documentation, I hereby request that all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Business Response: June 29, 2015 I am writing in regards to your June 11, 2015 inquiry concerning Mr. ******* *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******* via written correspondence mailed on June 30, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely,

7/2/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have contacted this company repeatedly. I am no longer able to work I am terminally disabled and trying to do the right thing and pay off this card. I can only afford to send small payments I have asked them to stop late fees please. I have other cards who understand my predictament and are working with me. could you please just have them stop the numerous fees so I can catch up

Desired Settlement: all fees taken off and allowed to make payments till paid off without all those hidden fees thank you for your help

Business Response: April 23, 2015 I am writing in regards to your April 6, 2015 inquiry concerning Mr. ****** ****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. **** via written correspondence mailed on April 24, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. **** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely,

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

Problem:
A PRIOR NUMBER FOR THIS COMPLAINT IS ********. I WROTE TO SAY I AM DISABLED AND COLLECT DISABILITY AND IT IS SMALL. I HAD THIS CARD WHILE WORKING AND ALWAYS PAID ON TIME. I WAS PAYING 30 A MONTH I ASKED THEM TO PLEASE CANCEL CARD AND CHARGE NO OVER FEES TO HELP ME PAY THIS OFF AS I AM DISABLED AND IT IS MY DESIRE TO PAY THIS OFF . THEY INSTEAD TURNED IT OVER TO A COLLECTION AGENCY AND I DONT THINK THAT IS FAIR . PLEASE HELP ME RESOLVE THIS . I WOULD LIKE THE AMOUNT TO BE THE ORIGINAL AMOUNT AND TO PAY ON IT TILL GONE. I HAVE OTHER CREDITORS THAT I AM PAYING AND THEY ARE KIND ENOUGH TO ALLOW US TO PAY ON THE PRINCIPLE WITHOUT THE FEES.


 
  
Desired Outcome:
DesiredSettlementID: Other (requires explanation) ADJUST BILL AND ALLOW US TO PAY ON THIS AT A REASONABLE AMOUNT WITHOUT FEES. WE PAY THIIRTY THEY CHARGE 70 IN FEES . IT WILL NEVER GET PAID AT THIS RATE. I AM TRYING TO DO THE RIGHT THING . PLEASE HELP. YOU WERE LED TO BELIEVE THIS HAD BEEN HANDLED SATISFACTORILY AND IT HAS NOT. THANK YOU FOR HELPING ME

Business Response: June 25, 2015 I am writing in regards to the June 15, 2015 follow-up inquiry concerning Mr. ****** ****. The inquiry was referred to me for additional review and response. We have addressed this matter directly with Mr. **** via written correspondence mailed on June 26, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. **** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely,

6/9/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have a entry from your company on my Credit Report that I need removed immediately. I don't remember ever doing business with your company, but I need it removed immediately even if I have to pay the $264 it's reporting. Again, not marked as PAID.. but all reference and association with your company needs to be DELETE from all my credit reports. If paying you the $264 is what need to happen then I will do that.

Desired Settlement: Again, not marked as PAID.. but all reference and association with your company needs to be DELETE from all my credit reports. If paying you the $264 is what need to happen then I will do that.

Business Response: June 3, 2015 ***** ****** BBB File #: ******** Dear *** *****: I am writing in regards to your May 27, 2015 inquiry concerning Mr. ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on June 3, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

5/27/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have had a credit card with this company for over ten years. I have always paid my bill over the telephone and I have never had any major issues with this company until about five months ago. I suddenly stopped receiving statements from the company. I thought it might have just gotten lost and waited a couple of months before contacting the company. Upon contacting the company, I was informed that I had put in for a change of address on the credit card and my statements were now going to an address in another state. I did not request, nor authorize this and informed customer service of this problem. They stated they were issuing me a new credit card and would mail it to me and correct the situation. They did start back sending my statements to my address, however, I have yet to receive a credit card. I have contacted the company at least two times regarding this issue, but still do not have a resolution. Also, they are charging me $30.00 each time for a replacement card for their mistake. It is bad enough that this company charges $15.00 per month for an unknown "maintenance fee", but now they are charging me for their mistakes as well. Also, as I do not have a credit card number due to not having the actual card, I am unable to make a payment on the phone or on the internet. The statement I receive does not provide a complete credit card number. Now I am incurring late fees, unnecessary fees and it is adversely affecting my credit. Customer service has not resolved this problem. The last time I called, they wanted to charge me $12.95 to make a payment by telephone. As I do not have access to a full account number, I am unable to make the payment over the internet.

Desired Settlement: I would like for the company to issue me a new credit card and actually send it to my home address. Also, I would like a complete refund of all charges that have been incurred due to their mistakes and any negative information provided to my credit report regarding this.

Business Response: May 6, 2015 I am writing in regards to your April 28, 2015 inquiry concerning Mr. **** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ***** via written correspondence mailed on May 7, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

5/15/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have contacted this merchant by phone and via email regarding this fraudulent account ending in 4914. This account was opened without my knowledge or consent. I have repeatedly asked for Applied Bank to provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance they believe I owe, if any. The have ignored all of my requests through the three credit bureaus. Calling has yielded no results. I have absolutely no docs to support the opening of this account. In addition, the account was connected to an address and phone number I have never had nor lived in.

Desired Settlement: Under the provisions of FCRA 623(a)(8)(E), they have the duty to review all of the information in this Notice of Dispute, to complete their investigation, and report back to me the results of that investigation. In addition, I humbly request that they provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance you believe I owe. I ask that it officially be removed from my consumer reports specifically Transunion, Equifax, and Experian as it in no way was opened/approved/taken out by me. If the matter is not rectified accordingly I will hire an attorney to help me in this matter. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM ALL OF MY CREDIT REPORTS!!!!!

Business Response: May 6, 2015 I am writing in regards to your May 1, 2015 inquiry concerning Mr. ****** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on May 8, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely,

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

 

 

 

 

5/8/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I recently notice that there has been a charge on my account which I was not aware of. I recently called the customer service number and asked why there was a charge being implemented on my bill and they failed to provide me a reason of why they are charging me extra fees. The customer service representative whom I spoke to named Abraham at 9:18 am informed me that they are going to send my name to collection agency for $19.78 which was the fee I was being charged for with out my knowledge. I informed the representative I never signed any contract or received any notice of this charge going to take into account. I closed my account with the business because I refuse to allow them to continuously charge me without giving me a reason as to why I'm paying extra charges.

Desired Settlement: DesiredSettlementID: Refund I do not want to pay the $19.78 charge that they have been billing me monthly. I would like to reimbursed the fees that they have been charging me without my knowledge or informing me of such changes taking into affect.

Business Response: April 17, 2015 I am writing in regards to your April 9, 2015 inquiry concerning Ms. ***** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ******** via written correspondence mailed on April 17, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

4/18/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I canceled my Credit Card with them on March 3rd. I was told that I would receive my $300 back the next day and if I didn't by the end of the week to contact them back. I contacted them today 3/18 and now I'm being told that I wont receive it for 15 business days after the cancellation date March 24th. I spoke with Hoviar (spelling) who is a supervisor and he stated that the person from the 3rd didn't put in a request for the money to be returned and now I have to wait another 15 business days which will be April 8th but that he would escalate it however he refused to give me a time frame or date as to when the money would be returned to me. However during the conversation he hung up on me so I had to contact the company back and spoke with Jennifer who is another supervisor. I asked for her to make sure the last supervisor was going to do what he said it to be escalated, she also refused to give me a time frame or date. she said since I'm keeping her on the phone that she can't give me a date. She asked for my call back number and I asked her again about a date as to when my money would be returned to me. She stated that she cant give me a time frame or a date I said to her you asked for a good call back number so can I request that you contact me back when you do and she said she has a full plate and wont be able to. I said well someone should be able to take 5 minutes out of their day to contact me back with a time frame. Both supervisors were VERY rude to me. Both supervisors stated that they would have it escalated and returned with in the 15 days stated then stated they couldn't tell me a date and time.

Desired Settlement: I would like a professional apology from both supervisors, as well as my money ($300) refunded to me in a timely manner. The money returned with in the 15 business dates per their policy. Which should be no later than the 24th of March 2015. If this doesn't happen I can continue to put in complaints and take further action to get my money owed to me that is my right to have my money back.

Business Response: March 30, 2015 I am writing in regards to your March 19, 2015 inquiry concerning Ms. ***** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ******** via written correspondence mailed on March 31, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ******** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely,

4/9/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been paying an exorbitant amount of interest fees for this credit card. I have had this credit card since 2007 and have been unable to pay off this balance. The original credit limit was 1950. I missed a payment (during the recession) and they cancelled my card. I have been in a credit nightmare every since. The interest rates are $38, plus $22.55 for fees. I recently missed a payment and I was charged $158. I went from paying $45 a month to $78 with only $2.00 going toward the principal of the loan. I have been paying this card steadily for years and cant make a dent in it. I do not have the lump sum to pay this off. I feel like this is illegal and not fair. This company has been taking a lot of money from me.

Desired Settlement: I want to settle this account, I the amount of interest I have been paying on this loan should have paid this off a long time ago. I should not have to pay account fees because I have no account I have no activity I have NO credit card.

Business Response: March 12, 2015  I am writing in regards to your March 11, 2015 inquiry concerning Ms. ********* *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ***** via written correspondence mailed on March 13, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

4/9/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have had an Applied Bank credit card for a couple of years, I have always paid on time, and now that I requested to close the account Applied Bank is trying to nickel and dime me for all types of made up fees. I made my last payment on time on February 12th and Applied Bank charged me a late fee of $35 and when I call them to get a courtesy because I paid on time the very rude representatives said that Applied Bank does not only not offer any courtesies but I would have to pay the $35 before they would close the account and even after closing the account Applied will still charge me something for March, 2015 even with my $0.00 balance. Not to mention that I already paid my entire balance in full January, 2015 leaving a $0.00 balance coming into February, 2015. I then spoke with an extremely rude supervisor and explained to her at this point I simply need the account close so I would go ahead and make the so called "late fee" payment even tho I was not late to simply close the account in peace and be done with Applied Bank and put it all behind me. This so call supervisor assured me that I would not have to pay the $10.95 payment fee in addition to the fake late fee but when I checked my account she charged it anyway. I don't have a clue why a bank that I always paid on time would opt to treat me so unfair just because I tried to close my account. This is the first bank that I've dealt with that made up a bunch of fees so to make it difficult to close my account permanently because they continuously add on fees to a closed account with a zero balance. Applied Bank is now determined to charge me $21.40 plus $10.95 fee for March when I should have no charges because I already closed the account with a zero balance since January 2015. I would like for Applied Bank to properly close my account and give me back my $35 late fee plus the $10.95 fee that the representative promised I would not have to pay but charged to my debit card anyway. I also would like Applied Bank to respect my closed account and not charge me in the month of March when I had a zero balance. I know I have been a great customer to Applied Bank and I would only ask the same in return.

Desired Settlement: I would like for Applied Bank to respectfully close my account and refund the fake $35 late fee plus the $10.95 fee this so called supervisor promised not to charge and not charge me for the month of March when my account was closed and I had no balance. I asked that you please respect my decision to close this account and conduct yourself in a professional manner.

Business Response: March 12, 2015  I am writing in regards to your March 6, 2015 inquiry concerning Ms. ******** ****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. **** via written correspondence mailed on March 13, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. **** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely,

4/3/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been a member with Applied Bank for over 3 years; as a long standing member of this institution i have been distraught with the level of customer service I have received. I have numerous issues with this company and i would not recommend their services to anyone. 1: I have not received my monthly statements for over 7 months, every attempt i have made to resolve this with Applied's customer service department has been completely unhelpful. I have placed numerous calls and each time the representative stated they did not know or were not aware of the solution to the problem citing an issue with the postage delivery on my end. However when i contacted the post office they stated that they had never received or returned any statements. This predicament has required that i submit my monthly bill online, for fee of $10.95 per transaction however. My job requires me to travel out of the country with some frequency and a reliable internet connection is not always definite, this has resulted in many late fees. When I called and explained the situation to them Applied stated that I had to file a written appeal if i wished to be reimbursed since they lacked a department to handle this matter over the phone or internet. This is completely unheard of. 2: I lost my credit card November 18, 2014 I called and requested a new card and was charged a $30 fee. As of today March 3, 2015 i have yet to receive a replacement card. I have requested a card a total of 6 times now, each time i was charged the $30 fee without receiving the card. When i spoke with supervisor they were powerless to resolve this issue. I even changed my address on file hoping this would solve the problem. I also sent a written appeal by fax for reimbursement of the fees, Applied claimed not to receive the fax. Never in my experience has a bank ever been so negligent or down right disrespectful. They have wasted both my time and money and i would not recommend this bank to anyone.

Desired Settlement: I would like to be reimbursed for the fees i have been wrongfully assessed and a timely solution to my credit card and statement delivery.

Business Response: March 20, 2015 Ms.  I am writing in regards to your March 4, 2015 inquiry concerning Mr. ****** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******* via written correspondence mailed on March 23, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******* directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

3/31/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: this company has me owing them 813 dollars i never had a card from them never heard of them i disputed with them last year and was promised it will be taken off never did

Desired Settlement: immediately remove all negative info from my credit file and send me the prof that i owe them or ever did business with them

Business Response: March 11, 2015  I am writing in regards to your March 2, 2015 inquiry concerning Mr. ***** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ***** via written correspondence mailed on March 12, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

Regards,

 

 

 

Business Response: March 23, 2015  I am writing in regards to the March 17, 2015 follow-up inquiry concerning Mr. ***** *****. The inquiry was referred to me for additional review and response. We have addressed this matter directly with *** ***** via written correspondence mailed on March 23, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, 

3/26/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: THIS COMPAMY FINDS WAYS TO TAKE MONEY FORM CUSTOMES,TO SAVE FROM PAYING 6.95 TO MAKE A PAYMENT I SOMETIMES MAIL IT IN AND IT ALWAYS POST AFTER THE DUE DATE SO IM CHARGE A LATE FEE 10 ANYWHERE IN THE WORLD IS LONG ENOUGH TO RECEIVE A PAYMENT TO POST.THERE ONLINE SITE IS NEER WORKING I USE THE SAME COMPUTER TO LOG ON EACH MONTH ANDEACH TIME I LOG ON IT ASK FOR A IDENTIFACTION NUMBER AFTER I ENTER MY ID AND PASSWORD.THE IJFORMATION ON THAT PAGE IS ALWYS WRONG NOT MY PHONE OR EMAIL ADDRESS SO I AM UNABLE TO GET A CODE.BUT IF I CALL AND IM CHARGED AFTER TWO CALLS IM TOLD ON THERE END THEY SEE THE CORRECT INFORMATION THIS HAS HAPPEN THREE TIMES,THEY CLAIM MY ACCOUNT IS A BUSINESS ACCOUNT BUT THEY USE MY SS AND NOT MY EIN NUMBER

Desired Settlement: FIX THIS PROBLEM OR I WILL CLOSE THIS ACCOUNT IT A RIP OFF,IVE BEEN PAYING FOR OVER A YEAR

Business Response: March 4, 2015  I am writing in regards to your February 26, 2015 inquiry concerning Mr. ****** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******* via written correspondence mailed on March 4, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

3/24/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I called Applied Bank to have my secured credit card cancelled and requested that my deposit of $500 be returned. The representative that I spoke with put me on hold as if she had no clue on what to do. When she got back on the line she told me the account was closed effective immediately. I asked her how and when will I receive my deposit back. Her response was, you will get your money credited back to your checking account within 48 hours. After one week I never received a credit so I called back again. This time I was told by one of their representatives that I will get a check in the mail within two weeks. It has been almost a month and no check. I have no idea how they can instantly take my deposit but to get it back is near impossible.

Desired Settlement: I want my deposit of $500 back now!!!

Business Response: February 27, 2015  I am writing in regards to your February 24, 2015 inquiry concerning Ms. **** ***********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. *********** via written correspondence mailed on February 27, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. *********** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely,

3/10/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: There was a fraudulent charge on my credit card. I informed the credit card company but they want me to pay for the charge anyways. My credit score has damaged severely and they call me at work and home. I would tell them over and over again about the situation .they would tell me ignored the phone calls.this been going on for 4 months now , I don't know what to do.i can't afford an attorney .i owe them $242.62. Please ,can you help Product_Or_Service: Internet product

Desired Settlement: DesiredSettlementID: Other (requires explanation) Restored my credit and tell them I'm not responsible for the fraudulent charge .every time I would explain to them about the charge,they would connect to the fraud department .i spoke to the fraud department 4 times and nothing was done .

Business Response:

Dear Ms. ******

 

I am writing in regards to your February 18, 2015 inquiry concerning Mr. ******* ***.  The inquiry was referred to me for review and response.  Thank you for bringing this matter to our attention.

 

We have addressed this matter directly with Mr. *** via written correspondence mailed on February 19, 2015.  However, in order to protect our customer’s confidentiality, we are unable to provide you with the details.  For further information, please contact Mr. *** directly.

 

Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

 

Sincerely,

 

 

 

******* ********

Executive Correspondence

 

2/25/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: After reviewing my billing history for my account under: ****** ***** (**** ******* ** *********** **) I discovered that there were two hidden fees added to my account during 2014. One is an 'Account Protection' fee,, (which is not even classified as a fee but listed in the same section as purchases on the account) - this fee is 95 cents per dollar. The second fee is a monthly maintenance fee of $9.95 that was not including in the original card agreement that I received when I opened the account. Also, the online account services portal does not provide credit card statements past a few months, making it impossible to do a history review and find any other erroneous fees.

Desired Settlement: I'd like to have a refund of all hidden fees, and a permanent removal of the charges from my account. Since the nature of the card agreement states that they hold an deposit (non interest-bearing at that) to secure my account, there is no reason to charge additional fees.

Business Response: February 17, 2015 I am writing in regards to your February 13, 2015 inquiry concerning Mr. ****** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ***** via written correspondence mailed on February 17, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 

Regards,

 

 

 

 

2/23/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I authorized an electronic check payment for the amount of $1040. Come to find out, the account number of my bank account was entered incorrectly on the website. I was charged a $35 return check fee by applied bank. I called to inquire about this fee which was when I learned of my error. I informed the representative that the account number was entered wrong and asked to update the payment information with the correct information. I was told that could not be done. I then asked why this payment was being attempted again when the fact is that it would be returned again. I was informed that this is automatic and could not be cancelled. As expected, the check was returned again and I was charged another $35 by applied bank. This is absolutely ridiculous! If the check was returned on the 1st go around then this check should be rendered void and unable to be resubmitted without my express authorization. At no time under service with applied bank was I ever made aware of this practice of re-submitting returned checks and incurring extra return check fees on account of this practice. In conclusion, I was charged 2 returned check fees for a transaction that I only once authorized while applied bank took it upon themselves to re-submit a check that was already returned but yet still charge me for their decision to re-submit. The correct practice would be to contact me, the customer, when the check was returned and ask if I would like the check to be re-submitted. I truly feel that applied bank is engaged in a business of usury and I am completely flabbergasted that BBB has actually gave them a good rating. Their fees are exorbitant and their customer service is incredibly poor. A credit card company should not be praised for extending credit to people with below average credit and then charging them excessive fees and interest without good quality customer service. Applied bank is truly taking advantage of the most vulnerable people in our society without so much as batting an eyelash. The BBB should in no way condone the behavior of this company and they should accurately rate them as to give a heads up to anyone even contemplating becoming one of their customers.

Desired Settlement: I would like applied bank to refund me any charges or fees related to the re-submission of an electronic check that was originally returned. I can understand paying one returned check fee but paying for 2 returned check fees when I only authorized a single submission is outrageous. I did not authorize any payment aside from the original payment entered on the website. Any other re-submission of this payment and fees related to such should fall solely on the shoulders of applied bank since they took it upon themselves to re-submit a check that has already been returned and claim they have no way to stop these re-submissions from occurring.

Business Response: February 9, 2015 I am writing in regards to your January 27, 2015 inquiry concerning Mr. ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on February 10, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 

Regards,

 

 

 

 

2/23/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i was always on time with applied bank credit card and had a 500 dollar limit i was paying bill on time but it kept saying i was paying late and getting charged fees when i was not late and now there saying i owe them 985 dollars and i do not owe them anywhere near that much . this is now sitting in collections on my credit report as well i owe them 984 now when i always paid on time . im wanting this company to make things right by me and remove this off my credit report and also take off these negative charges . im not going to take responsbility for theses debts even if i have to hire a lawyer to get my credit back and to elimate these falsey charges

Desired Settlement: i want these charges to come off this credit card that are not mine and to take these negative action this company made off my credit report immeditaty

Business Response: February 13, 2015 I am writing in regards to your February 4, 2015 inquiry concerning Ms. ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ****** via written correspondence mailed on February 13, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

2/18/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This account was settled via First National Collection agency after I was offered a settlement of $490. Applied bank is still reporting on my credit report that I owe them $980 after I was told this would clear up the account and remove it from my credit report. Not only is it still showing on my credit report, but it still shows that I owe the full balance. I have requested that it be removed as promised, but was told by a representative at Applied Bank that it needed to be handled by the collection agency that has it. Then the collection agency says it has to be handled by Applied Bank as they are the one's who are still reporting. I am getting the run around. I paid as I was asked and I would like the account to be removed as I was promised.

Desired Settlement: I would like the account to be removed from my credit report and balance adjusted to zero as promised.

Business Response: February 12, 2015  I am writing in regards to your February 5, 2015 inquiry concerning Ms. ******* ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ****** via written correspondence mailed on February 12, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

 

Regards,

 

 

1/21/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The Credit Card has been canceled for over a year, but I still receive bills and notifications for a active Credit Card.. When I call Applied Bank, they give me the run around, and nothing ever gets resolved. My "New Balance" is $135.00, yet the card has been canceled for about two years now....'

Desired Settlement: I would like for them to please close out the account as requested, and make sure this is not a negative mark on my credit report...

Business Response: January 6, 2015  I am writing in regards to your December 29, 2014 inquiry concerning *** **** ****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** **** via written correspondence mailed on January 7, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** **** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

12/23/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have 2 prepaid credit cards unused , I spent 700.00 on. I went to use them they came up declined, the other says I have used and turned into credit report ***** late... ihave both cards here never been used on the original papers. these vwere purchased for emergency..xmas expired 9/2015

Desired Settlement: I need this off my credit report, I would like a prepaid card for $700 that reports, as these were purchased to help build my credit. they have my money and their making my credit worst. I have these cards on their original papers. they have never been used.

Business Response: December 17, 2014 : I am writing in regards to your November 20, 2014 inquiry concerning *** ****** **********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ********** via written correspondence mailed on December 17. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ********** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

 MY CONCERNS GO DEEPER THAN MYSELF,  I have been working on recovering from bankruptcy from the housing market   in 2008..The reason I went to this type of card is because it was prepaid and I could build my credit back. So I did $500 business and $200personal

 I  recently was trying to get a business loan , it was denied because of my applied card. Defaming and preying on small business owners    can't be tolerated. Instead  of having Better credit , I have worst credit and paid to have it wrecked again.  Plus I can't even use the cards.  I wanted to buy Christmas with these.  overall and am so upset over this..I do have these cards unused and  I can mail them to you. Unfortunately my personal and business life have suffered.  I am a reasonable person a..this is terrible.  I would like my credit report restored my credit cards and my money back

Business Response: December 18, 2014I am writing in regards to the December 18, 2014 follow-up inquiry regarding *** ****** **********. On December 17, 2014 the Bank mailed a letter to *** ********** addressing his concerns. However, on December 18, *** ********** indicated to the BBB that the matter was not resolved. The Bank did attempt to contact *** ********** via email and left several voicemail messages. No response has been received as of yet. If *** ********** still has concerns after reviewing the Bank’s December 17 response, we will address his concerns at that time. Please contact me Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, 

12/17/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The reason for my complaint today is because of the nature of the credit card that was offered to me. I applied for a SECURED credit card in February 2012 and was approved with a secured line of $250.00; it is now 2 years later and I am requesting for a UNSECURED credit line increase. The company has stated to me that I need to go online and re-do a application for a unsecured credit line, and, they do not give out SECURED or UNSECURED credit lines anymore. In the process of going through this situation, I have not received any requests for a UNSECURED credit line increase. I asked the representative what was the reason for the termination of the credit lines and I was not given an professional answer. The gentleman was rude on the phone and was demanding that if I wasn't happy then I can cancel my account.

Desired Settlement: I would like to know a professional reason as to why consumers such as myself and other consumers cannot receive a line of credit if they already have credit history with the number. Under typical circumstances, when a creditor do not give lines of credit anymore, they are typically going out of business. I don't want my credit to be affected, but I would like a explanation as to what can they do for the consumers who pay their bills on time and still active with Applied Bank whether secured or unsecured.

Business Response: November 26, 2014  I am writing in regards to your November 19, 2014 inquiry concerning *** ****** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******* on November 26 via written correspondence mailed on November 28. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

12/17/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Transitioning from Active duty to civilian called and asked for some repayment assistance and interest rate assistant.Was told not program available. I called customer service and spoke with a representative and a supervisor. regarding my situation from being Military. I have been a customer for years and never had an issue with my account or payments. I am transitioning from active duty to civilian personnel.I called for some temporary assistance on either monthly payment or the interest rate. They informed me that there was nothing they could help me with. I told them i find it hard to believe, because i have contacted my other creditors and was able to receive assistance. they lowered my rate and payments until i transition from military to civilian. I find it very disburbing that after serving our country and had been deployed for over a year . that us military personnel come home to a heartless company with no compassion regarding our personal military life. I am speaking in behalf of out the customers that they have that are military and are being treated this way.

Desired Settlement: I am seeking that APPLIED BANK allows us to have a repayment plan and have a lower interest rate during the time that we are transitioning from military to civilian life. it is not an easy transition. other real credit card companies have assisted me. then do they say they can not?

Business Response: November 26, 2014  I am writing in regards to your November19, 2014 inquiry concerning *** **** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** via written correspondence mailed on November 28, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

12/15/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I called to find out why my bill was so, high because i tended to make my payments on time. I recv an email to pay 31.48 dollars somewhere around there. i pay 40ty to cover myself.i recvd another for 133.00 next month. no one really tried to help they just said will this is what you pay if you go over your spending limit, which I was unaware of. I believe they said 12 bucks. I normally recvd calls when i am late, but no never called they just continued to allow the bill to go up with fees on top of fees.. They call now, I advised i have been paying more then my bill which is normally 30dollars...i told them i paid what i was told to pay...they said you should have read your billing statement. i owe more fees then i do for a payment which is horrble.. I tld them my payment is not late you are continusly adding fees.. no help at all . basicly pay these fees period. this is your fault not ours, but yet they understand is what was advised to me. oh yeah this is a business credit card.

Desired Settlement: adjust bill from fees so i can pay it off, this is sad

Business Response: November 26, 2014 I am writing in regards to your November 6, 2014 inquiry concerning *** ***** ***. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** *** via written correspondence mailed on November 28, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** *** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

12/1/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Regarding: Account No. ************.... APPLIED BANK PO BOX 10210 WILMINGTON, DE 19850 ***** ******** To Whom It May Concern: I am writing a letter about my experience with Applied Bank that is a mixture of a grateful "thank-you" and a pressing request concerning a $495.00 Charge Card tradeline in my credit files that I would like to have revised. I received the Applied Bank card in 2010, several years before I became unemployed, which later led to my wife being injured in a serious car accident, losing a leg and 2 fingers. She later married someone else, taking my 4 children from me. I have since been unemployed/downsized since 2011, evicted, and am living in a homeless shelter and receiving government assistance. These last 3 years have been the lowest point of my life. I’ve never relied on food stamps to make ends meet. When I experienced this terrible hardship, I became disorganized with respect to, as you saw, making timely payments with your company. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my credit worthiness since that time. To be honest, that year was a wake-up call for me regarding fiscal organization. As a former Account Manager of a Cable company, I know what it means to pay on time. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the Applied Bank card late entry -- are excellent. I wish to soon return to prominent status with your organization and I am determined to keep a spotless record once my life is back on track. I am now on the road to recovery and have since interviewed for many jobs, and it has come to my attention that the derogatory notations from your trade line has prevented me from taking full advantage of the very right that any American citizen finds success and confidence in having – a job. Since those notations do not reflect my current life changing situations, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a "goodwill adjustment." I sincerely hope that there is redemption at Applied Bank, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. Very hopefully yours, ***** ****** ***** ******** **** ******* *** *** * *** ********** ** *****

Business Response: November 14, 2014 *** **** ***** ****** ******** ****** ** ******** ** ***** *** *** ******* ** ***** *** ***** ****** *** **** ********* **** *** ****** I am writing in regards to your November 3, 2014 inquiry concerning *** ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** via written correspondence mailed on November 17, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

11/17/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This bank has continued to report to the credit reporting agencies on an account that they have not provided verification on, money owed, or date of last activity. This is an account that is beyond 7 years old.

Desired Settlement: The statute of limitations requires that this erroneous account be removed from my credit reports.

Business Response: November 11, 2014  I am writing in regards to your November 7, 2014 inquiry concerning *** ***** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******** via written correspondence mailed on November 12, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

11/4/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I would have gladly addressed this complaint to Applied Bank but they have always made themselves nearly impossible to get in touch with directly. There is no email address available for Applied Bank, period. When I call the number on the back of my card, I am routed in circles whenever I request an agent, an endless loop of frustration. I first accepted this card, and the high costs that come along with it, when my credit was very poor. Thank you Applied Bank for giving me the opportunity. I have now been a customer for eight years. I have never missed or been late on a single payment. My credit score is over 700. Yet I am still being charged a monthly fee, even though Applied Bank makes A KILLING OFF OF INTERESTS RATES (even on small balances). I am willing to pay the high interest rate to keep a longstanding account open on my credit history, but the fee is just an unnecessary slap in the face given how much money Applied Bank has made off of me, and is making off of me. Please cancel the monthly maintenance fee on my account so I can continue to be an Applied Bank customer. Thanks for your help and attention.

Desired Settlement: Please cancel the monthly maintenance fee on my account so I can continue to be an Applied Bank customer. Thanks for your help and attention.

Business Response: October 22, 2014  I am writing in regards to your October 7, 2014 inquiry concerning Mr. ***** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******* via written correspondence mailed on October 23, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

11/3/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: these people are harassing me calling me 3 and 4 times a day trying to collect from something that is their error, since they are supposed to take the money out from my account every month. Auto-pay. They charged me $70.00.00 incorrectly. acct ending in 7285.

Desired Settlement: they have to refund the fees to my account for $70.00 and stop harassing me.

Business Response: September 26, 2014  I am writing in regards to your September 16, 2014 inquiry concerning *** ****** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******* via written correspondence mailed on September 29, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** Monday thru Friday, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Business Response: November 3, 2014  I am writing in regards to the October 22, 2014 follow-up inquiry concerning *** ****** *******. The inquiry was referred to me for additional review and response. We have addressed this matter directly with *** ******s via written correspondence mailed on November 4, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******s directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

10/29/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: A customer service representative with applied bank cancelled my card after a call and the bank is refusing to reopen the account. The account was cancelled without my knowledge or authorization.

Desired Settlement: I would like the bank to correct their mistake and reopen the account.

Business Response: October 13, 2014  I am writing in regards to the September 23, 2014 inquiry concerning *** ******* ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******** via written correspondence mailed on October 13, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely,

10/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: WELL KNOWN SCAM COMPANY. THEY ARE ENABLING IDENTIFY THEFT SOURCES. THEY DON'T ACTUALLY CARE ABOUT PROTECTING CONSUMERS BUT WILL STILL TAKE MONEY FROM CONSUMERS WHETHER THEY OWE IT OR NOT. STOP ALLOWING THESE BLOOD SUCKERS TO HURT PEOPLE. WHY GIVE THEM AN A+ --- THEY MUST GIVE YOU A SHARE OF THE MONEY THEY STEAL

Desired Settlement: REMOVE YOUR GARBAGE FROM MY CREDIT REPORTS AND STOP HURTING MY FAMILY

Business Response: September 30, 2014  Re: ***** ****** BBB File  I am writing in regards to your September 26, 2014 inquiry concerning Mr. ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** via written correspondence mailed on October 1, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

10/16/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Payments on a Applied Bank account, opened in on a Business Card have been made on my behalf over the past year. Despite payments being received on time, when checks were mailed, they were charged a return check fee, and subsequently accepted. Late payment fees were subsequently added along with this, as well as other excessive fees and unauthorized charges. I reported the card as stolen, because it was not in my possession, and had obviously been stolen and fraud was being done, and no resolution has been solved. I have filed a complaint with the FDIC. The fees and charges on this account, are 99% of the balance, as very few authorized charges were ever made on the account from the start.

Desired Settlement: I want the account to be closed, and a refund allowed under federal law.

Business Response: September 15, 2014  I am writing in regards to your September 11, 2014 inquiry concerning Mr. ******* ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on September 5 and 15, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

 


 
Complaint Detail / Problem
Nature of Complaint:
Billing or Collection Issues - The company has unethical collection practices
Problem:
I have previously filed a complaint with the BBB and the fraud department of Applied Bank with no avail. After contacting a Mr. ******* ********, and explaining the circumstances of my concerns, upon his advice I contacted the fraud department, which told me they would Investigate. That was on a Friday, and the fraud department, stated that they may not recieve statements from the bank until monday. I had previously explained I did not recieve any physical card, this is possibly due to mail forwarding issues with the USPS, between my home address and my PO BOX that I use for security reasons. The card was initially opened for a know defunct business known as *** ******* ******** Inc, which was incorporated through legalzoom, and shortly after the card was issued, using my own personal credit to back it up, the entire company was stolen from me, by the co-partner's, ***** ********* and his Partners. I am not sure where they are, as they are missing due to other things they have done to other people. I was contacted by a person prior to the fraud department contacting me, to set up a payment plan. I do not believe this is proper business practice, as I am paying debt, and debt, for things that I have no affliliation with. I had to agree with the payment plan, because the fraud department, would not help me.

Desired Settlement / Outcome
Desired Settlement:
Desired Outcome:
I will continue with the payment plan, and/or pay off the debt before hand, but I want this investigated, because unfair fees and charges have been added to the account. Negative information has been marked on my personal credit report, such as late payments, which I would like to see removed. I am interested in working with Applied Bank as a direct consumer, if these terms and conditions can be made on my behalf.

 

Business Response: October 14, 2014 I am writing in regards to the October 10, 2014 follow-up inquiry concerning Mr. ******* ******. The inquiry was referred to me for additional review and response. We have addressed this matter directly with *** ****** via written correspondence mailed on October 15, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

10/8/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Applied Bank is continuing to report on a time-barred account. The statute of limitations in the state of Missouri is 5 years on a revolving account. In additon the date of first deliquency is also incorrectly reporting as date of last payment in 2009 instead of date of first delinquency which was in 2007. Accordingly the reporting is inaccurate and the trade lines should be removed from the credit bureaus.

Desired Settlement: Please remove trade line from all three credit bureaus.

Business Response: September 30, 2014 I am writing in regards to your September 29, 2014 inquiry concerning *** ******* *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** via written correspondence mailed on October 1, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below


The details of my discussion with Applied Bank will be satisfactory to me contingent upon the expected written correspondence that Applied Bank has sent.

Regards,

 

 

 

10/3/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have made several attempts to reach a human and I still get automatic. However they have non Americans call and harass but no one can answer your question. I was expecting to make payments to get out of there collections and away from these extra fees I should have closed them earlier this year but I had have them another chance.

Desired Settlement: I simply want my balance to start at the credit it was which was $350 I will be more than happy to start over with them but the fees are ridiculous.

Business Response: September 26, 2014  I am writing in regards to your September 17, 2014 inquiry concerning *** ******* *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** via written correspondence mailed on September 29, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** Monday thru Friday, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

10/2/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been trying to get my account settled with AppliedBank since April 2014. I had not used my card since 2013 due to not ever being sent an updated card. In addition prior to the Annual Fee in April 2014 I carried a zero balance. Once I made contact and this charge was explained to me I moved forward with paying the balance. After my most recent conversation with AppliedBank which took place in July my account was made current by paying $42. I made a payment while online with a representative. I have been trying to contact a representative after realizing I have been hit with yet another late fee. My May statement which was due in July was paid in full on 6/6/14. I called requesting my late fee which was posted to my account on 6/5/14 to be removed. After assuming this was taken care of I was hit with another late fee of $35 on 7/5 realizing that I received another charge I made a payment on 7/7/14 to give me time to discuss with the company their unfair practices while trying to recoup the money I had to pay out. On 8/5/14 I was hit with another late fee and as a result paid that bill on 8/6/14. My frustration is mainly in part because I do not use this card at all. I do not have a physical card in my possession yet since the initial Annual Fee was assessed in April I have paid a total of $183.50 in fees. I that their unethical practices of posting late fees on the date the bill is due had to stop! I have copies of my statement which show the fee assessed on the due date. Not to mention it takes an average of 15 minutes to get through the automated system before you can speak to an actual person.

Desired Settlement: I would like the current balance that has come from frivolous late fees to be removed and that I be absolved from any responsibility. In addition, I would like my account to be closed without any repercussions to my credit report as well as my intial $200 used to open the Secured account returned to me immediately. I would like no further relationship with applied bank.

Business Response: September 16, 2014 I am writing in regards to your September 8, 2014 inquiry concerning *** ******* *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******* via written correspondence mailed on September 17, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

9/19/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: The address I have may not be the call center I spoke to this was the only address I had for an Applied Bank in Delaware - the call center told me they are based in Delaware.We sent a payoff check and a notarized letter to close the account to this company on the 1st of August 2014, 23 days later they call us expecting a payment and that we are overdue and that they show no payments made. After spending an hour on the phone with these people telling me that I would have to send another $2000 check to them as they did not have the first one I sent. I spoke with a customer service rep who spoke to two managers. I heard everything from I sent it to the wrong address to there was not payment sent and I was blowing smoke.Magically after an hour of refusing to hang up/give up they called down to the payment processing department and "found" my payment in the matter of 5 minutes. They had the NERVE to tell me I had to pay for the interest incurred daily on my account even though the payoff check was there and was more than what the payoff would have been if they had actually applied the payment on time. They also decided that the late fee should be on there as well. Their recording says #1 rated bank LOL #1 WORST rated bank I will never ever have any services through them again and I hope this serves as fair warning to others.The people on the phone were rude, unhelpful, and unwilling to go any length to help a customer of 10+ years. They had the nerve to ask me after this fiasco if I was sure I wanted to close the account.

Desired Settlement: I want the payoff that was applied to be applied for the date it was supposed to be applied. I have already gotten the late fees dropped but they are expecting another $55 dollars to cover interest in the period of time that they sat on my payoff check I would like that $55 wiped and to never hear from their institution again. I have already closed the account.

Business Response: September 8, 2014 *** **** ***** ****** ******** ****** ** ******** ** ***** *** *** ******* ** ***** *** **** **** *** **** ** ******** **** *** ****** I am writing in regards to your August 28, 2014 inquiry concerning *** **** ***** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** **** on September 8, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** **** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely* ***** **** ********* **************

Consumer Response:

Better Business Bureau:
I have not received any attempt at contact other than the bill for the charges I asked to be dropped.

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

 

 

 

Business Response: September 12, 2014  I am writing in regards to the September 9, 2014 follow-up inquiry concerning *** **** ***** On September 8, 2014 the Bank mailed a letter to *** **** addressing his concerns. However, on September 9, *** **** indicated to the BBB that the matter was not resolved since he had not received any contact from the Bank except for a bill. The Bank did attempt to contact *** **** via email and left voicemail messages on September 2. No response has been received as of yet. If *** **** still has concerns after reviewing the Bank’s September 8 response, we will address his concerns at that time. Please contact me Toll-free at ***** ********* extensio* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

8/29/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Applied Card Bank is violating the FCRA by continuing to report a debt that is over 7 years old to the major credit bureaus. Under the FCRA guidelines, the reporting period begins when a debt goes into default / delinquency with the original creditor or a third party, not when the last payment was made. Applied Card Bank (which was the name when I opened the account) is reporting a date of 2009, which is when they claim the last payment was made, not when the account began its delinquency. The reported closed date of said account is 5/2007; which means this account would have originally went into default prior to this date. The account was in default in 2006. Based on these dates and the FCRA 7 year reporting guidelines, this account should have already been removed from the credit bureaus. I have disputed with the credit bureaus also due to the prolonged reporting by Applied Card Bank.

Desired Settlement: Applied Card Bank needs to cease and desist any collection activity and immediately remove this debt from all the major credit bureaus.

Business Response: August 18, 2014 : I am writing in regards to your August 14, 2014 inquiry concerning *** ******* ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******** on August 18, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

 

Regards,

 

 

 

8/25/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I applied for a secure credit card with Applied Bank a year and a half ago. They advertised helping those with not so good credit rebuild their credit. One of the main reasons I applied for their card is because of their offer for credit limit increases. Quoting from their website, which has been posted on the site since I joined in January of 2013, states... Credit Limit Increase "Credit Limit Increases are offered based on the length of time an account has been open and payment history of the account. Selected accounts will receive Credit Limit Increase offers periodically which may be subject to fees." Seeing it has been a year and a half and I have not faulted on a single payment in that time, I called Applied Bank to see if I qualified yet on a limit increase and to see what the "length of time an account has been open " was. I was told by a representative that the only way I could increase my limit was to deposit more of my own funds into my account because they are not giving increases. When I asked about the length of time required as per their website, I was given the same answer with no explanation. I even asked for the criteria one must fit in in order to qualify. Again, I was told that it was irrelevant because they are not giving limit increases. This is false advertising and a way to bait new customers into joining and not receiving the benefits the site claims. http://cardcenter.appliedbank.com/cli.jsp

Desired Settlement: The information given to a customer at the time the contract is signed should be valid and forthcoming. I have monitored the unchanged presence of Applied Banks statement on their own website for a year and a half now that they honor limit increases to those who qualify. I would like an explanation of those qualifications and a determination as to whether I qualify or not.

Business Response: August 11, 2014  I am writing in regards to your July 25, 2014 inquiry concerning *** ****** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******* on August 11, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

8/19/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been making my payments and can no longer due to health issues. Tried to work something out with company and they responed there is nothing they can do. Interest alone is 29% late fees etc. Terrible company. I know i owe the debt.i closed the account way before i came disabled.

Desired Settlement: To work with me and avoid late fees and put account on holdfor 6 months to give me time to hear from ssi thank you

Business Response: August 8, 2014  I am writing in regards to your July 31, 2014 inquiry concerning *** ***** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** on August 8, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

8/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was notified by email on 7/18/14 by Applied Bank that they placed a hold on my card as they needed to verify information. I replied to the e mail and they did not respond. It is difficult for me to call during work hours and they have no representatives available in the evening. I phoned on 7/24/14 and a representative informed me my account had been "compromised" and she asked if I made the listed purchases and I said yes. I informed her there were no unauthorized purchases made to my acct. She would not provide any further information and transferred me to someone she said could provide more information. Upon being transferred to the next representative, she asked if I was calling to report my card lost or stolen. I responded, no your company is informing me my account was compromised and I have the card in my hand. She informed me they canceled my card and would issue a new on in 7-10 days. She provided no other information. Today I note they transferred my balance to a new acct. and actually billed me $30.00 for a card replacement fee.They did not inform me there would be this charge and I never reported my card lost or stolen.This entire issue was initiated by the credit card company with absolutely no evidence provided to me about any unauthorized transactions on my acct. except for this current $30.00 card replacement fee that they have billed to my account.

Desired Settlement: apology, immediate reversal/refund of $30.00 replacement card fee applied to my account, specific information to support their assertion that my card or account was "compromised" how was it compromised,by whom, when?

Business Response: August 5, 2014 I am writing in regards to your July 28, 2014 inquiry concerning *** ****** *** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** *** ****** on August 5, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

 


 

 

 

8/11/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On July 15 I called Applied Bank abt my credit card to find out why latest payments on acct had not resulted in my credit balance going back up to be able to charge. I was then notified in a subtle way with no explanations, & no info hardly given that this was a ******* breach card. That's all. I wasn't given dates, possible statements to check back on for unauthorized charges, or anything else. I was upset because they hadn't even shut my card down. They said they had sent an email. Just an email. My complaint is against applied banks practices and service being that they should have shut my card down right away and mailed out a new one. They also should've contacted me directly and not just through email, especially because I had just made two large payments on the acct. I'm also putting forth this complaint because the customer service was not forthcoming, almost seemingly hiding what had occurred supposedly a month before and had been occurring for 9 months! ( I had to google the article abt a breach to my credit card number).

Desired Settlement: I want top management to rectify this problem so I feel comfortable remaining with this credit card company/bank in the future. These are secured funds so I especially want to ensure my data is safe and that any breach would result in a shutdown immediately. Now I have to wait 7-10 days to receive my new card and allow for purchases, when the card should have been shut down on June 10,2014 according the news articles.

Business Response: July 30, 2014 I am writing in regards to the July 17, 2014 inquiry concerning *** ****** ****. The inquiry was referred to me for review and response. We have addressed this matter directly with *** **** on July 30, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** **** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely,

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I called and left a message in regards to first message. However, I have yet to receive any written correspondence from the company. I left a message on the phone number given to have the BB call me, since I was to discuss what was in the written letter that I did NOT receive so I cannot give any information as to what it said. 

 

 

 

Business Response: August 4, 2014  I am writing in regards to the August 4, 2014 follow-up inquiry regarding *** ****** ***** On July 30, 2014 the Bank mailed a letter to *** **** addressing her concerns. However, on July 31, *** **** indicated to the BBB that the matter was not resolved since she had not yet received a response from the Bank. Later that same day the Bank spoke with *** **** and addressed her concerns. The Bank also informed *** **** that a response to her BBB inquiry had been mailed to her. Please contact me Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely,

8/6/2014 Billing/Collection Issues
8/4/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I got behind in one payment and want to close my account but the company insists on a whole bunch of fees and not allowing to close the account until all the fees are paid, making one incur more late fees. A person can't get behind in a payment without becoming the enemy to these credit card companies. If a person gets behind in a payment they are severely penalized.

Desired Settlement: Closing the account at a zero balance.

Business Response: July 30, 2014 I am writing in regards to the July 25, 2014 inquiry concerning *** ***** *******. The inquiry was referred to me for review and response. We have addressed this matter directly with *** ******* on July 30, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. ********** ***** **** ********* **************

7/10/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been trying to settle this account with no luck.

Desired Settlement: *************, Applied Bank has this account listed as a Profit & Loss Account. This alleged p&l account was written off in 4/2009. i need to get this account settled and removed from my credit report but no one at Applied Bank can find this account. Again with that in mind, a complete deletion of this alleged profit and loss account is what i am looking for.

Business Response: July 2, 2014 I am writing in regards to your June 24, 2014 inquiry concerning Ms. ******* *********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** ****** ** *** ******* *** ***** representing *** *********, on July 2, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ********* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

 

 

 

 

6/26/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I closed my account with this bank and I have a balance of $194.38. I have asked this company not to contact me because the represenatives are rude and I suffer from PTSD from the military and when I chose not to answer the calls which they call more than 5 times a day including my work number.I am going to pay this balance but I am not able to do this at this time. Everytime they call, I get so upset, my day or evening is destoyed. I have blocked several numbers from the company, but they call from another number or my work number. They also send me emails on a regular basis

Desired Settlement: Stop calling me. I am going to pay the bill.

Business Response: June 10, 2014  I am writing in regards to your May 29, 2014 inquiry concerning *** ******* ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on June 10, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

6/19/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had an applied bank secured credit card for $200. I was contacted by them to make a payment as part of their "Fresh start" program and in return they would update the credit reporting agencies as paid as agreed never late. I made the payment as instructed. However they are reporting me late to Transunion and Experian. The account does not show up on Equifax.

Desired Settlement: Delete the applied bank trade reference from my Transunion and Experian credit report.

Business Response: June 16, 2014  I am writing in regards to your June 9, 2014 inquiry concerning *** ******** *********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ********* on June 16, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ********* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 

 


 

 

 

6/16/2014 Billing/Collection Issues
6/13/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have disputed this account several times. Please remove from credit reports right away or further legal action will be seeked.

Desired Settlement: Remove from all credit reports!!

Business Response: May 20, 2014  I am writing in regards to your May 20, 2014 inquiry concerning *** ******* ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******** on May 28, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

5/8/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently discovered that in addition to the outrageous 29.99 percent APR and annual fee, Applied Bank have been charging me $15 a month for several years. I called their customer service department and was immediately told that a refund was out of the question and good luck trying to find someone in the company who cares enough to assist. Their agents even used profanity and hung-up on me several times. Indeed, it seems impossible to get a response from anyone at Applied Bank, because I have emailed every executive in the company and no one has responded. (see below) I took to the internet and read some of the negative reviews from other customers, and find it appalling that Applied Bank is allowed to operate with such blatant disregard for consumer laws and customer satisfaction. ----------------------- To: *** ***** ***** ********* *************** *** ***** ** ********** ********** *** ***** *********** *** ******* ********* *** *** Crowley, COO, *** ***** ****** ********* *************** *** **** ********* Executive Correspondence Sent: Tue, Apr 1, 2014 3:54 pm Subject: Re: Fees on Acct Ending in 3505 Dear folks, I recently discovered that in addition to the outrageous 29.99 percent APR and annual fee, you have also been charging me $15 a month for several years. I called your customer service folks and no one could explain the fees or even attempted to issue a refund. Matter of fact, they were very rude, impolite and obnoxious. When I told them that I may file a complaint with the BBB and Attorney General's Office, they cursed at me and abruptly hung-up the phone. I am hereby appealing to you to issue a full refund, so I wouldn't have to take the matter further. I await your prompt response! ******** ******

Desired Settlement: I am seeking a full refund of over $1000.00.

Business Response: April 15, 2014 I am writing in regards to your April 11, 2014 inquiry concerning *** ******** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on April 11, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.



This matter has not been resolved.  My husband is in contact with a ******* ******** ************* ********** who said he is the Executive Correspondence at Applied Bank and promised to provide some type of disclaimer as to why they increased my APR to 29.99 percent and replaced the $50 annual membership fee with a $15 per month charge.  Mr. Fletcher said he cannot email the document, so we are waiting for a copy via snail mail to take to the next level.  We believe Applied Bank is very deceptive and will be challenging the legality of their business practice, once the document is received.  Please see below for my email dialogue with *** *********
--------------------------------------------------------------------------------
***** ******************* *** **************** **********************************
Sent: Tue, Apr 15, 2014 10:49 am
Subject: Re: Your BBB Inquiry

Thank you for your prompt response to this matter.  If only your customer service agents and executive personnel were as courteous, responsive and efficient...  Per your conversation with my husband, we are awaiting a copy of the disclaimer you mentioned that drove the APR to a whopping 29.99 percent and replaced the $50 annual membership fee with a $15 per month charge, to take it to the next level.  As he indicated, we find your company's business practice highly questionable and will be reaching out to the Banking Authority and Attorney General with that "disclaimer" for their take on the matter.  If you cannot email it, then kindly expedite the mailing of a hard copy.           

************* ************ ***** **************** ********************************** *** ********* *******************
Sent: Mon, Apr 14, 2014 9:08 am
Subject: Your BBB Inquiry

*** ******* 
I am writing in response to your April 10, 2014, inquiry to the Better Business Bureau.  I would like to discuss your concerns with you at your earliest convenience.  I can be reached at the number and extension listed below.  I am available Monday through Friday, from 8:00 AM until 5:00 PM Eastern Time. 

I look forward to hearing from you. 

******* ******** ********* ************** ******* ****  ***** ******** ******

 

Business Response: April 25, 2014 I am writing as a follow up to our conversation today regarding the April 16, 2014 follow-up inquiry submitted by *** ******** ******. As discussed, on April 15, 2014 the Bank spoke with Mr. Crespo and sent a letter to *** ****** addressing her concerns. However, on April 16, *** ****** indicated to the BBB that the matter was not resolved since she was waiting for information the Bank would be providing, which was included with our April 15 letter to her. If *** ****** still has concerns after reviewing the Bank’s April 15 response, we will address her concerns at that time. Please contact me Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

 

**** *** *****, please be advised that I have not received any correspondence, mail or email, from Applied Bank.  Instead, they sent me another invoice with the $15 fee included.  Kindly reopen my complaint until I receive proof that they were legally authorized to raise my APR to 29.99 percent and impose a $15 monthly charge.  As outlined in my original complaint below, I firmly believe this is "deceptive business practice" and will take whatever letter they provide justifying their their actions, to the AG's Office, Banking Commission, FTC, US Government...(etc), to have them refund my hard earned money.        

Business Response: I am writing in regards to the April 30, 2014 follow-up inquiry concerning *** ******** ******. *** ****** advised that she had not yet received the Bank’s April 15, 2014 response to her April 10, 2014 inquiry. The Bank has no record of our correspondence being returned as undeliverable by the United States Postal Service. A copy of the Bank’s response with enclosure was sent to *** ****** via email today. Please contact me Toll-free *** ***** ********* ********* ***** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

4/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I acquired this secured credit card account ($1000) in 10/09. After having the account for short period of time (March 2010) I canceled the card due to the high amount of the service charges. There was a 300 dollar positive balance at the time it was canceled and nothing pending. I was told that it would take several weeks to get my refund and they had to hold it until everything cleared from my statement. Around May 2010 I get a bill for 267.00 and I call the number on the bill. The Multitude of non or broken English speaking people I talked to was unreal. I was finally told that if I would pay the 236.00 they would report on my credit that I had “never missed a payment and was the great customer” That is extortion….. I had a positive balance when it was cancelled and it followed their instructions to a “T” if you add the 236 and the 300 they took a total of 536 dollars because I closed the account? I have contacted the collection agency and they can’t even get a copy of any statements. This is the ONLY negative account on my credit file. I feel this is unfairly and unduly affecting my credit in a negative way. It is causing me damages in that it is making me pay a higher interest rate for a mortgage that I have applied for and if this doesn’t resolve the problem I will pursue further legal action and seek damages under the Fair Credit Reporting Act. Account number CBCS collection ********

Desired Settlement: Remove this from my credit.

Business Response: April 7, 2014  I am writing in regards to your March 25, 2014 inquiry concerning *** ******** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******* on April 7, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely* ***** **** ********* **************

4/21/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: After pulling a copy of my credit reports in January 2014, and noticing inaccurate information being reported for this account that was charged off in 2008 I disputed the balance history and inaccurate late reportings in june 2007 and july 2007 on my credit reports with EXPERIAN, EQUIFAX and TRANSUNION. Applied bank "VERIFIED" these disputes with the CRA's. I contacted Applied Bankcard customer service in January 2014 and again in March 2014 to ask about the information being reported on my credit reports. Both customer service representatives told me there is "NO HISTORY ON FILE" for this acct, just a "BALANCE AMOUNT" of $1315 and they are no longer handling this acct. If there is no information on file for this account, it cannot possibly be verified to the CRA's. This is a willful violation of the FCRA.

Desired Settlement: If the balance history and inaccurate reporting cannot be verified with a "thorough" investigation with documentation, I would like this account removed from all 3 credit reporting agencies immediately and anywhere else the furnisher is publishing this information. It has caused me undo stress and has ruined not only my credit score but my credit worthiness to Lenders. To date I have not filed a complaint with the CFPB or the Massachusetts Attorney Generals Office, I would rather communicate directly with the business and try to reach a resolution. Both customer service representatives were very polite and professional, they just could not provide any information on the acct.

Business Response: April 11, 2014  I am writing in regards to your April 9, 2014 inquiry concerning *** **** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on April 11, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

 


 

 

 

4/9/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This is regarding original account ****************** APPLIED BANK is posting an account on my credit report for which I have not been notified of ownership or had any validation of debt. I am also taking issue with their credit reporting practices. APPLIED BANK is reporting the amount due as $3,367.00, and showing this as an open, Revolving Account and are reporting me 120+ days past due monthly. I have no account agreement with APPLIED BANK upon which to base a delinquency in payment. Reporting of a delinquency to a credit reporting agency requires a clear billing due date and expiration of more than 30 days from that date. I have requested verification of this debt with both Applied Bank and the Credit Reporting Agencies, and they have not been able to provide the verification documentation. This account is still being reported for collection at all credit reporting agencies (Experian, Equifax, Transunion ). I am requesting that your company takes the following steps: * Immediately delete the collection from all Credit Reporting Bureaus. Please confirm deletion and send written notice of compliance to either the email or physical address listed above. I understand that your company enjoys a good relationship with the BBB and hope that we can resolve this quickly and amicably to our mutual benefit. I look forward to your quick response.

Desired Settlement: Immediately deletion of the collection from all 3 of Credit Reporting Bureaus: Transunion, Experian and Equifax

Business Response: March 21, 2014  I am writing in regards to your March 17, 2014 inquiry concerning *** **** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******** on March 21, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******** directly. Please contact the Executive Correspondence department Toll-free at between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The creditor did not verify or validate the debt.  
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account in reference to this complaint.       
 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this account that you are reporting in my credit report.  Please send me copies of the documents that you have in your files that were used to verify this with the Credit Reporting Agencies.  If you do not have any documentation in your files to verify the accuracy of the accounts then please delete them immediately as required under Section611(a)(5)(A)(i).  By providing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.  Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the accounts listed below within  15 days of receipt of this letter then you must delete these accounts from my credit report. 
  Please provide me with a copy of an
updated and corrected credit report showing these items removed.

 

 

 

 

Business Response: April 4, 2014 *** **** ***** ****** ******** ****** ** ******** ** ***** *** *** ******* ** ***** *** **** ******** *** **** ******** **** *** ****** I am writing in regards to the March 25, 2014 follow-up inquiry concerning *** **** ********. The inquiry was referred to me for additional review and response. We have addressed this matter directly with *** ******** on April 7, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

4/8/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I dont remember having an account with this company. They refuse to provide proof or delete the account. They refuse to provide the agent for service so I can settle this matter in court.

Desired Settlement: Delete the info from my credit file

Business Response: March 28, 2014: I am writing in regards to your March 21, 2014 inquiry concerning M** ******** ****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** **** on March 28, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** **** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

3/27/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Applied Bank is a predatory credit card lender. They are inaccurately reporting information to (2) of the major bureaus erroneously and in violation of a federal law "Fair Credit Reporting Act" FCRA. They have reported my account as 90 days past due and closed when it is an open account that was never late. Apparently they provided me with an incorrect payment address and my payments went to the wrong place for three months. They were not sending me statements during this period and the online access to my account did not work. If you ask them today, my account is current but this doesn't reflect with the bureaus. I demand a correction to these erroneous notations immediately. They are failing to provide me with the opportunity to pay off my card in full on a monthly basis. Thus forcing me to carry balance past 30 days because the interest that they start charging on the day of the the purchase doesn't show up until after the statement has been generated. Therefore, I'm never given the opportunity to pay the card in full because they won't allow me to prepay for the monthly service charge- therefore forcing me to carry a balance. IF THIS ISN'T PREDATORY, WHAT IS???? I demand an apology, corrections with the credit bureaus and an opportunity to have my account reflect a $0 balance EVERY month. I am reporting you to the Attorney General of the State of Delaware, the Federal Trade Commission and the FCIC.

Desired Settlement: I demand an apology, corrections with the credit bureaus and an opportunity to have my account reflect a $0 balance EVERY month. I am reporting you to the Attorney General of the State of Delaware, the Federal Trade Commission and the FCIC.

Business Response: March 12, 2014  I am writing in regards to your February 26, 2014 inquiry concerning *** ******* ********* The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******** on March 12, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely,

3/19/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Last Month I attempted to make on online payment as I normally do for my monthly obligated payment. The paying bank PNC Bank had a security issue with the payment and was not able to contact me as desired so a freeze on the stated payment was initiated by PNC Bank. That freeze resulted in the payment not being executed with my credit provider Applied Bank. I attempted to make a subsequent payment online however applied bank had placed a stop on any other ACH payments via the automated and or online system. I spoke with an account representative in an effort to avoid any late fees and or any negative reporting to the three credit bureaus as a result of the circumstances. I wass ASSURED by the representative that the "hold on payment" was removed from my account and that I could make the online payment as I always had. I attempted to make the payment required numerous times to no avail. The "hold" was not removed as stated by Applied Bank's representatives. In turn I was charged a late fee, returned check fee and a late reporting was filed on my credit personal report. I believe Applied Banks action to be of a willful and wanton action and now have created a severe hardship to my credit worthiness.

Desired Settlement: That they honor a reversal of the fees on my account for it was a situation beyond my control, a good faith effort was made to make my payment on time as I always had and a "technical error" was beyond my control, That said I made every effort to make a payment as soon as I was made aware of the situation. Applied Bank's online account website is not accurate nor up to date when it comes to viewing account activity hence making it impossible for one to be aware of the transparency that must exist between a creditor and their customer. I would also ask that a credit repairmen be made for a "missed payment" has been reported to the reporting credit bureaus and I find that act by applied bank to be extremely malicious given the circumstances surrounding these events. I made every immediate attempt to make a payment on this account as their "recorded" records will show.

Business Response: March 12, 2014  I am writing in regards to your February 20, 2014 inquiry concerning *** *********** ************. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ************ on March 12, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ************ directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

3/18/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Applied Bank is reporting my name and address incorrectly on my credit report. I have tried contacting customer service to revise inaccurate info. Applied Bank is reporting my name as **** * *******, which is inaccurate. My name is ***** ****** ********* I have made several attempts to revise/correct this information, but have not had any success. My address also needs to be revised/corrected to ***** ******* ***** ** *** **** ************* ** ******* ******* ****** ****************

Desired Settlement: Revise/Correct info on Experian, TransUnion and Equifax.

Business Response: March 5, 2014 I am writing in regards to your February 28, 2014 inquiry concerning *** **** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******* on March 5, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

3/12/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Please also see attachment. Translation: I don't have any account with Applied Bank. On 06/05/13 I reported the charge to the sheriff's office and they said I don't have do anything because I don't have any account. Case ***********. This is a case of identity theft.

Desired Settlement: Stop bothering me by phone and in this case submit proof of some account for myself.

Business Response: February 24, 2014  I am writing in regards to your February 10, 2014 inquiry concerning *** ****** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on February 24, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

3/12/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I paid my account in full on December 29, 2013. I called and closed the account because I noticed they were charging me 9.95/month for maintenance fee and also 6.95 per month for online payment fee. I told them since I had a zero balance that I would just close the account instead of paying those fees. In January, I got a bill for 13.68 for these fees plus 3.73 interest charges. I called again and explained I wanted these charges removed and my account was closed. I went ahead and paid the 13.68 and explained again that I didn't think that was fair. Today, I get another bill for 17.40 (fees plus interest charges). I called them and can't get any satisfaction. I don't feel I should keep paying these charges and if I don't they will send information to credit bureau. How can they legally do this if I closed the account??

Desired Settlement: I want my fees for the last 2 months refunded and I want this account closed... They shouldn't be allowed to put charges on a closed account.

Business Response: February 21, 2014 I am writing in regards to your February 20, 2014 inquiry concerning *** ****** ******* The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on February 21, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

3/12/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Apparently a business credit card was opened with this company on or about March 2013, I had noticed this on my credit report! I disputed the information because I have never applied for a credit card with this company nor do I have a business!! I have faxed this company twice, and no one has contacted me back from the corrospondense dept. I have called and spoken with Alexia on 2 Occasions now, and a Velma again today! Not only did they report a credit card I have NO knowledge about on my credit report, since I disputed this they have since added another account on my credit file! I called them again today because I have been informed that the credit card was opened in the state of Tennessee, I reside in the state of NY. I called Applied bank today and asked why I have not heard back from anyone, she could not give me a reason! I have faxed this company twice, called several times, have asked to speak to a supervisor only to be told I can not speak to a supervisor, that someone will call me sometime! I then requested that an original contract etc be mailed to me so I can get more information as to who and how this account was opened. I was told that because I do not know the address where the credit card was applied for that I can not have this information, however they are reporting this on my credit file and causing me much stress! I have contacted my local attorney general regarding this matter as well, and I will be filing a complaint with the Consumer Financial Protection Bureau as well, and I will file for any monetary damages!

Desired Settlement: I want a phone call from a supervisor, this account is obviously fraudulent and Im not getting any help from this company to resolve this issue! I want this DELETED from my credit file immediately!

Business Response: March 5, 2014 I am writing in regards to your February 13, 2014 inquiry concerning *** ****** ***** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** **** on March 5, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. Neri directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

This company has NOT tried to help with this situation at all! In fact I did speak to someone at this business and I have faxed paperwork in and I just received a letter from them that they have not received it! They say that all the time as they did prior and I had faxed paperwork on 3 different occasions! It is ** **** *** *** **** and I will not allow them to ruin my credit by placing a business account on me as I do not have a business!! I have filed a police report locally which I also informed them of

 

 

 

 

Business Response:

March 21, 2014

 

 

*** ****** **** *** **** ********

**** *** ******

I am writing in regards to the March 20, 2014 follow-up inquiry concerning *** ****** ****.  The inquiry was referred to me for additional review and response.

We have addressed this matter directly with *** **** on March 21, 2014 via written correspondence.  However, in order to protect our customer’s confidentiality, we are unable to provide you with the details.  For further information, please contact *** **** directly.

Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter.

 

3/12/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In August 2013 there was an authorized charge to my credit card to Ticketmaster (unable to access statement or actual date billed) for approx $70 and another unauthorized charge on 8-25-13 to ******** On location -Oh for $78 Ref# *****************. I notified Applied Bank via us postal mail (which is the dispute process) informing of the unauthorized/fraudulent charges in October, November and December. I never received a response confirming that the dispute form had been received and I also spoke with a couple of representatives from Applied and they all advised they had no record of the dispute form being received. Finally, around December 16, 2013 I sent in yet another dispute form and followed up around the second week of January 2014 and was adv that the form had been received a couple of days prior and someone from the Dispute's dept would be contacting me within the next 48 hrs, needless to say I NEVER received a phone call nor any communication other than a statement through the mail. I called back to check the status last week and was advised by a representative that the issue had been closed and because of the time frame the charges were not reversed. I was told to call another department which I did and all I ever received was a worthless voice mail...and to no surprise, no call back. I am not going to pay for ANY fraudulent charges and additional bank charges on top of that. Please reverse the charges and any associated bank fees.

Desired Settlement: Reverse the charges for Ticketmaster in August 2011 approx $70.00 Reverse the charge for ******** August 25, 2011 $78.00 Reverse the over-limit fee November 17, 2013 $35.00 Reverse the over-limit fee December 17, 2013 $35.00 Reverse the late fee January 14, 2014 $35 (My payments are posted each month on the 5th) Reverse ANY and ALL finance charges associated with these unauthorized charges. These charges should be reversed IMMEDIATELY.

Business Response: March 5, 2014 I am writing in regards to your February 14, 2014 inquiry concerning *** ***** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******* on March 5, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. I have not received any written correspondence and the late fees/over limit fees have not be removed from my account balance. I was also advised via phone that I would be sent a new credit card as the old card was closed to prevent further use and that the matter would be looked into.  At no time was there any mention that I would be accessed a $30 charge for a replacement card. That too should be removed. 

 

 

Business Response: March 17, 2014I am writing in regards to the March 11, 2014 follow-up inquiry concerning *** ***** ******** The inquiry was referred to me for additional review and response. We have addressed this matter directly with *** ******* on March 17, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

3/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 4/25/2013 I obtained a copy of my tri-merge credit report (all three credit bureaus, on one report). In reviewing this report, I observed that the Applied Bank reported significant inappropriate, inaccurate, and misleading information to Experian. My account with the Applied Bank closed for good in November 2007. The account was never re-opened. However, as of 4/25/2013, the Applied Bank reported to Experian significant credit activity occurring between 2008 and 2011, years after the account closed. Any occurrences of any credit activity on this account after 11/2007 would be considered fraud. The Applied Bank even reported to Experian this account opened in 2011.....while at the same time reporting the account closed, four years prior, in 2007. Further, the Applied Bank reported significant alleged credit activity that not only did not occur, but could not have occurred; such as the account having been late three times in one calendar month. Following the Applied Banks 4/25/2013 misrepresentation of this account to Experian, I wrote to Experian several times, to dispute this matter. On each occasion, I used USPS Certified Mail, which provides a return receipt. So, I know Experian received it. On each occasion, Experian upheld the inappropriate reporting. Further, in February 2014, I went online to Experian's website, and accessed my credit report there. Experian's online reporting of this matter reflects the fact that the Applied Bank reported to Experian this account had been "Charged-Off" each and every month, from 2008 until 2011, nearly 36 months in a row. No credit account can be charged-off multiple times; once it is charged-off, it is no longer a credit account. This is a very, very serious violation of the Fair Credit Reporting Act, as well as a violation of other state and local laws. In closing, two brief items: On their 4/25/2013 reporting of this matter, the Applied Bank reports to Experian this account closed in 2007. This contradicts any and all of their reporting of any account activity occurring between 2008 and 2012. Finally, at the end of the day, it appears that the Applied Bank and Experian may be working together to facilitate placing this inappropriate information on my credit report. Both parties are well aware the information is false, and cannot legally be reported, as all of the alleged occurrences of account activity occurred after the account closed for good.

Desired Settlement: I would like The Applied Bank to remove any and all reporting of this matter from not only Experian, but from all national credit bureaus. Further, I would also like for Experian to be ordered to remove any and all reporting of this matter from my Experian credit report.

Business Response: February 18, 2014  I am writing in regards to your February 11, 2014 inquiry concerning *** ******* *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** on February 18, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

3/4/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had a Gold MC with this company and they closed my account without my knowledge or informing me. I was furloughed twice in 2013 due to the government budget crisis. Once it was effective, I notified them by letter along with proof of my job situation and it was ignored never received a response. I paid them over $155 payment in December and it stated I had a credit available amount of $280. Once I used my card I was told that the card expired. I called the bank and they told me at that time that my account was closed and they rescinded the payment. Therefore, I owe a balance of $220.00. I don't want fees to incur due to their lack of communicating with me. I have made several attempts to contact them via phone and in writing to no avail.

Desired Settlement: Settle the account for $150 and report to all credit bureaus as paid as agreed.

Business Response: February 11, 2014  I am writing in regards to the January 30, 2014 inquiry concerning *** ******* ******* The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on February 11, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** ********* **************

2/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I applied for a secured credit card with the idea of bettering my credit, the company implied that after 1 year the card balance would become unsecure and my credit limit increase by $200. Without my knowledge or without notifying me applied bank TOOK $50.00, I then phoned the customer service department requesting a copy of my agreement to my dismay to this day I have not received any documentation and the company is still sending me bills, my money mind you, I need NO ONE to hold my $

Desired Settlement: I'd prefer BOTH a Refund and that they close my account without causing DAMAGE to my Credit report nor my Credit Score. I'd like written documentation, noting the card closed without prejudice such a statement placed with ALL 3 credit reporting agencies along with 1 for My records.

Business Response: February 4, 2014  I am writing in regards to your January 29, 2014 inquiry concerning *** ***** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******** on February 4, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

2/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been fighting with Applied Bank about a credit card account that was issued in my name. They have charged over the limit fees and late charges to my account several months into my account be opened. The then charged the $9.95 monthly fee and caused my balance to go over the credit limit and then charge changed an over the limit fee. Really? how can a service fee make me have to pay a over the limit fee. I wrote to the main office and I received a letter stated that they were correct in their billing and at that point I refused to pay anything going forward. Since then I have received a collection letter and states showing my balance almost up to $1000, which it was a little under $500 months prior. I should have never go this card as this bank is in the business to rob people and is not fair as I have not paid any other account I have late.

Desired Settlement: I would like my account balance waived or some time of settlement be offered to me on this account with maybe a small payment plan. Also, I would like all credit agencies to be notified that my account is in good standing and not been late, etc.... Hopefully, the BBB will be able to assist in this bank in their illegal practices.

Business Response: February 6, 2014  R****** ****** *** **** ******** **** *** ****** I am writing in regards to the January 23, 2014 follow-up inquiry concerning *** ******* ******. The inquiry was referred to me for additional review and response. We have addressed this matter directly with *** ****** on February 6, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter.  

2/19/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I select applied bank for starting my business credit card there was a $300 limit. I went to pay in August 25 2013 at 11 am in the amount of $341, with a representative of there's the funds were never processed and then a month later I receive a $600 invoice when I only spent $186 of the $300 limit. There fees are ridiculous and it is very hard to speak to a representative about your bill. I have tried to resolve this and would like my card card to be fixed because that is their representative error not mines.

Desired Settlement: I would like for those additional interest to be forgiven and start me back where I was in August 2013 because that is unfair and unethical. I would also like a call to connect with a human and discuss this matter further.

Business Response: January 30, 2014  I am writing in regards to your January 27, 2014 inquiry concerning *** ******* *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** on January 30, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

2/17/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: shows on my Transuion credit report that I still owe 1097.00

Desired Settlement: to fix my credit report to paid in full

Business Response: January 27, 2014  I am writing in regards to your January 17, 2014 inquiry concerning *** **** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******** on January 27, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

2/17/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have been trying to resolve this issue for quite some time. I contact Applied Bank on numerous occasions. On Dec 10, 2013 I was advised by Applied Bank Customer Service to send a fax, with my name, address, account number and signed, stating to close my account, where to send me a check or electronic payment which I have done on 4 occasions. I was told to fax over my request to close account and that should be it and that within 30 days or less I would receive my money. It has not only been over 30 days it has been more than 4 years I have been trying to resolve this issue with the bank. Each time they tell me to send a fax, write a letter and I never get any end result.

Desired Settlement: I want my account closed and a refund issued of my security deposit made as I NEVER received my prepaid secure debit card that I had paid for.

Business Response: January 28, 2014  I am writing in regards to your January 20, 2014 inquiry concerning *** ******* *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** on January 28, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, 

2/10/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This is hands down the absolute WORST bank I have ever dealt with. I could rarely access my account through their website, their customer service representatives are god awful and they slap you with hidden fees that are totally random and unexplained whenever they feel like it. They moved my card to collections and never bothered to contact me. Riddle me this, how do you over charge a secured credit card?

Desired Settlement: I want all record of your company and your pathetic institution removed from my credit report. I do not want to have to contact the credit agencies myself to do this. If I owe money, I will pay it. But I do not want any negative information to be shown on my credit report. After this is resolved I want you to delete me from all of your systems and to never contact me again. I want someone with authority to make this happen to call me immediately so I can get the ball rolling on this. Sincerely, A very ****** *** Veteran.

Business Response: January 16, 2014 I am writing in regards to your January 2, 2014 inquiry concerning *** ***** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** on January 16, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at ###-###-####, extension *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

1/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I called to pay off my bill and the company settled for $420 but they said at first that they didnt settle for that amount and then they they told me that they did settle for that amount and sent me a letter saying the bill had been paid in full and then I got a bill from them last ing week sayin that I owed them another $466. When I called about it they said that another comp[any handled this matter and to call them and when I called the other company they said it was Applied Bank that I needed talk to so I called Applied Bank back and they requsted the letter that the other company had sent me.

Desired Settlement: I want this settled for the $420 that they agreed to and I want this removed from my credit report.

Business Response: January 6, 2014  ***** ********* *** **** ******** **** *** ****** *I am writing in regards to your December 30, 2013 inquiry concerning *** ***** *********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ********* on January 6, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ********* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. ********** ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.  I do not find it acceptable that it is going to take another 30 to 60 days to get this removed for my credit report.  Also I do not feel that I can trust them to do what they say they are going to do.  Because they have told me the same thing before and it did not get taken care of.

 

 

 

 

Business Response: January 20, 2014 *** ***** ********* *** **** ******** **** *** ****** I am writing in regards to the January 17, 2014 follow-up inquiry concerning *** ***** ********** The inquiry was referred to me for additional review and response. We have addressed this matter directly with *** ********* on January 20, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ********* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. ********** ***** **** ********* **************

1/14/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Applied Bank allowed a fraudulent account to be set up under my social security number and I just received a "charged off" billing statement in the amount of 744.89 and a statement from Account Services Collection Agency saying I owe 1462.62. I DONT OWE EITHER COMPANY ANYTHING. Understand this is one of various accounts set up fraudulently and a few of them were cautious and attentive enough to prevent the identity thief from obtaining credit under illegal means through them and thus driving their companies into potentially unrecoverable debt. The statement was signed by the "DISPUTES DEPT" so obviously I already disclosed that I never set this account up nor had knowledge of it. I don't deserve to be held accountable for the mistakes of your company and its associates who are clearly so sales driven that anybody can set up account using inadequate and false information without proper identification.

Desired Settlement: REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY. "CHARGED OFF" IS NOT ACCEPTABLE. 7 YEARS IS TOO LONG FOR MY CREDIT TO BE CLEARED AND FOR ME TO WAIT TO OBTAIN CREDIT WHEN YOU HAVE ALREADY ALLOWED A THIEF TO RUIN MY CREDIT AND CONTROL MY LIFE AND FINANCIAL STATUS IN LESS TIME THAN THAT. TRAIN YOUR ASSOCIATES ON FRAUDULENT ACTIVITIES SO THAT THEY WILL BE SHARPER AND MORE ALERT WHEN SETTING ACCOUNTS UP SO THIS ISSUE WILL NOT AFFECT ANYONE ELSE.

Business Response: January 3, 2014  ********* **** *** **** ******** **** *** ****** *I am writing in regards to your December 26, 2013inquiry concerning *** ********* ***** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** **** on January 3, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** **** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. ********** ***** **** ********* **************

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me. I will respond if proper steps for resolution are not taken once I submit my affidavit etc

 


 

 

 

1/5/2014 Billing/Collection Issues | Complaint Details Unavailable
1/3/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had a secured credit card with Applied bank for about 5 years. The account was secured with a $200 deposit. Due to the extremely high fees, annual fees, and the companies inflexibility I wrote a letter and requesting my account be cancelled. At that time my account balance was lower than but close to $200. I sent this letter to the only address that I could find to send a correspondence to. That is the addressed used to send in a disputed charge form. Applied does not allow for any communication or 2-way interaction via the web and they making extremely difficult to find out who to contact for certain issues (ie closing an account). About 2 weeks go bye and I get a call stating that my account was overbalance by $37 dollars due to non payment. I called customer service and informed them of my request mailed to them to close my account. The rep acted as if they never got my request and that it didn't matter. My account should have been closed and settled with the secured ($200) deposit per my letter. I had ask the rep to process the close and I informed him that I am not on the hook for the fee due to their negligence in not closing and settling the account in a timely manner. Further, I was informed that my security deposit of 5 years was not earning any interest????

Desired Settlement: Close out the account and $0 out the balance. I will not pay late fees on late fees that should not have been incurred in the first place. Also, if I am due any interest on my security deposit. Remit such funds to me. I will also be contacting the FDIC and other regulatory agencies and political offices to assist in preventing applied bank from gouging those that it claims it is helping in providing a chance to correct their credit.

Business Response: December 19, 2013 *** ****** ******** *** **** ******** **** *** ****** I am writing in regards to your December 4, 2013 inquiry concerning *** ****** ********* The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******** on December 19, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I have received no correspondence from Applied Bank.  Furthermore, I consider my account paid and full based on the payments and actions taken to close my account.  Anything short of recognizing my account as paid in full is an unacceptable resolution.

 

 

 

 

Business Response: January 3, 2014  *** ****** ******** *** **** ******** **** *** ****** I am writing in regards to the December 30, 2013 follow-up inquiry concerning *** ****** ********* The inquiry was referred to me for additional review and response. We welcome the opportunity to address *** ********** continued concerns. We have addressed this matter directly with *** ******** on January 3, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* extension ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. 

12/30/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: They lost my credit card application and will not return my calls and emails and i want my money back & i want my credit card or my money

Desired Settlement: RETURN MONEY OR GIVE ME MY CARD

Business Response: December 5, 2013 *** **** ***** ****** ******** ****** ** ******** ** ***** *** *** ******* ** ***** *** ***** ****** *** **** ******** **** *** ****** I am writing in regards to your December 3, 2013 inquiry concerning *** ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on December 5, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. ********** ***** **** ********* **************

12/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have contacted this business NUMEROUS times regarding the fact that I have not been receiving their bills. After I closed my account due to the fact that they charge you fees whether you carry a balance, my online access was blocked. I had NO idea what my balance was or if I owed a balance. I contacted Applied Bank to let them know that I was not receiving anything and I was told I could make a payment through the automated system (which would always send me to a customer service rep) or online (my account was blocked). When I would call the customer service about my online access, they would refer me to Tech Support who would tell me to reset my password which would not work. Tech support would then tell me to contact customer service because it was something on their end...and the vicious cycle went on and on. I received NOTHING until I got a call on June 22nd, 2013 stating that I was past due and the negative info was being reported on my credit report. I set up payments to bring myself current and immediately started disputing the charges and late payments being reported. After receiving nothing back, I filed a complaint with the FDIC in October of 2013. Almost immediately upon filing my complaint with the FDIC, I FINALLY heard back from someone with Applied Bank. The woman who I talked to basically accused me of lying and stated that they sent statements and the fact that I did not receive them was not their problem. I am absolutely disgusted with the lack of customer service they provide and will make sure that I tell everyone I know about my negative experience. I will blog, post on any sites I can find that you can complain, and people in my day to day life. I would never want anyone else to have to deal with this horrendous excuse for a credit card company.

Desired Settlement: My desired settlement is that they remove the incorrect charges from the account, remove ALL account info from my credit report, and never contact me again. I do not want to receive mail, phone calls, OR any sort of contact from them in the future. Their customer service and this whole situation has been a nightmare going on since July 2011. I have also filed a complaint with the FDIC and am considering filing a complaint with the FTC as well.

Business Response: December 4, 2013 *** ****** ********* *** **** ********* **** *** ****** I am writing in regards to your December 1, 2013 inquiry concerning *** ****** ********** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ********* on October 31, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ********* directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

12/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: applied bank has not corrected the charges on my balance due bill. I DO NOT owe $ 1,256.12 That is a FALSE amount! and not accurate. I have paid a large amount to applied bank through the consumer credit counseling program where )they) paid the payments for me every month. That is the wrong amount applied bank says I owe.

Desired Settlement: Explanation of Charges how it got to that amount, and LOWER the balance to the CORRECT amount.

Business Response: December 2, 2013 *** **** ***** ****** ******** ****** ** ******** ** ***** *** *** ******* ** ***** *** ****** ****** *** **** ******** **** *** ****** I am writing in regards to your November 20, 2013 inquiry concerning *** ****** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on December 2, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.  

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ******** and find that this resolution is satisfactory to me. 

 


 

 

 

11/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Secured credit card account.... after being late a few days for a $25.00 paymeny.. even for the first time, the company would call up to 15 times in a single day ranging from 8am to 9:30pm from 4 different call centers (Florida, Texas, New York, unknown). The first time I was unable to make a payment on time I informed a rep. and yet the calls continued insistantly. After stating I would report to BBB, log as harassing phone calls, they stopped for a couple weeks. Now this is the second time and for the last 3 weeks it has been the same with up to 15 calls in a single day which is beyond harassment. This is <30 day late payment, not collections.

Desired Settlement: I have closed my account. And I am in the process of filing bankrupcy so no action is required financially, howeve for them to revisit their policies and practices. and for their BBB score and file to show such harassment

Business Response: November 13, 2013 **** ******** *** **** ******** **** *** ****** I am writing in regards to your October 31, 2013 inquiry concerning *** **** ********* The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******** on November 13, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

11/26/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have contact this company to explain i needed any information about a credit card they issued in my name to my Office address at **** * ******** ******* ***** **** ****** ***** ***** i never received the card or the bills i had a secretary that retrieved all mail and that was residing at my rental property at *** * **** *********** ** ***** for the last 1 years i have been living in with my ill father my business partner discovered several credit card in my name and the company name after the secretary quit we called each company and explained we needed there assistance so that we could file and press charges Applied bank assured that they would help we have never heard from them or have never gotten any information we needed a copy of the application and signature on the application we need help and assistance we do not want this against me or my company

Desired Settlement: we need Applied bank to give a copy of the application, restore any bad credit if this have been done , re- issue all stolen cards

Business Response: November 14, 2013  **** ***** *** **** ******** **** *** ****** I am writing in regards to your October 28, 2013 inquiry concerning *** **** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** on November 14, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

11/17/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Three point issue 1) CS rep told me over the phone that I am not responsible for the charge to replace my card if fraud of my CC occurred on my account. I have been charged twice a 30$ fee for replacement of my card after fraud occurred to my account. 2) Before I started this account I was told that the card would graduate to an unsecured CC. after creating the account and a year of perfect history I call in to request a review of my account to be informed that this card will never graduate to an unsecured account. 3) before creating the account I called in to inquire about which credit bureaus applied bank reports to an was informed all three. Upon pulling my Equifax report I find this trade-line is not reported and call in. The CS rep tells me they do not report to EQ and will not report to EQ and will never honor my request to report to EQ. due to the nature of these three issues AND the fact that I have now been given an unsecured card from my employee credit union I am now at the point where I do not need or desire to keep my business going with applied bank. If my three point issues cannot be resolved or address somewhat satisfactorily I feel that my desire to take my business elsewhere will be determined and resolved.¬¬

Desired Settlement: I desire three things 1) Refund of fees for expense on card replacement OR complete explanation of why CS reps inform over the phone that I am not liable for fee when I have been charged this fee twice. 2) Graduation from secured to unsecured OR explanation why CS rep's sell this over the phone before account creation then afterwards never offer this. 3) Update to my Equifax credit report of the trade line to add the history of my positive account to benefit my credit repair

Business Response: November 6, 2013 *** ******* ****** *** **** ******** **** *** ****** I am writing in regards to your October 17, 2013 inquiry concerning *** ******* ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on November 6, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

11/17/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: For months I have been unable to log into my account to view anything. Every single time I log in it says I need an Identification code. No matter which medium I select, phone or email a code never comes. I have waited now for over 3 months for 1 single identification code to come and am still waiting. I can't see balances or anything else. Fortunately I can make a payment somehow but I can't do anything else much on the website. It does not matter which computer either, I primarily use just the one computer to make payments of bills online and everything used to work fine until about a year ago, then all of a sudden the website stops working and the code stops being sent out. Their is absolutely no response and yes I check my spam mail, even so. I have requested a code via text to my 2 cell phones and am still waiting.

Desired Settlement: Fix their website, I have seen the same complaint online and I am frankly tired of having a service or I should say a disservice by applied card. If we owe them money they do everything in their power to get their money and make sure they can contact you. As far as providing services that a consumer needs to even make sure they can do that we can die waiting for a solution.

Business Response: November 1, 2013 ****** ******* *** **** ******** **** *** ****** I am writing in regards to your October 17, 2013 inquiry concerning *** ****** ******** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. Parsons on November 1, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

11/15/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Why does Applied Bank takes so long to update a payment on an account when it shows that a payment has been made long before they do post it. (5 days or more). Maybe to get more charges or play around with that money for their own benefit before we can use it?,

Desired Settlement: If they have the money in the account just post it. Don't wait that much. I have other credit cards that as soon as I make a payment it's there right away.

Business Response: November 6, 2013 *** **** ***** ****** ******** ****** ** ******** ** ***** *** *** ******* ** ***** *** *** ***** ***** *** **** ******** **** *** *****: I am writing in regards to your October 31, 2013 inquiry concerning *** ***** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** on November 6, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

11/14/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have a business account with Applied Bank. I was unable to utilize their website to pay the bills, so I switched to Bill Pay with my bank. I noticed a payment kept rolling over...it was about 13 days. I notified the bank as to why the payment was not paid on time. It seemed I had changed to a new bank account due to a fraud issue, and the bank officer did not input the correct account. So Applied Bank charged me a late fee of $130.I was unsuccessful with them to waive the fee. I made subsequent calls, but the line would switch to a collection company. My bank tried calling several times and were put on hold. I have made all payments, double payments and the account balance has jumped to $656.53 from the original $478. I have not made any more purchases on this account since that incident occurred. So, my $35 payments should have reduced that balance considerably.The collection co. is asking me for full payment.the account is sited on my statements as past due, and the monthly payments I have been making every month is voided out with a $35 late fee.So they have been taking fees of $45.48 per month I also received a letter from the collection recovery services from ******* ******, stating I was in default because I didn't make a $50 payment they said I agreed to. I never spoke directly to anyone there and NEVER agreed to such. I really don't understand the high BBB rating; I have been ignored, harassed and thought I'd have to get my attorney on this. Dealing with a credit card company is a simple matter, so I am apealling to you to resolve this.

Business Response: November 1, 2013 C**** ****** *** **** ******** **** *** ****** I am writing in regards to your October 15, 2013 inquiry concerning *** ***** ******* The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on November 1, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact **. ****** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

11/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They are charging me for a credit card and balance with significant interest and late fees for an account I have never activated or used.

Desired Settlement: Cancellation of the account and fabricated charges, and cancellation of the account being turned over to a collection agency.

Business Response: October 24, 2013 Re: ***** ****** *** **** ******** **** *** *****: I am writing in regards to your October 15, 2013 inquiry concerning *** ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on October 24, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

11/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: on July 27th and August 27th there were 4 charges total including $72.85 and then when I disputed the charges they blocked my card and re-issued card and charged me $30.00 to re-issue... They have been faxed several times including a police report and FTC Affidavit along with a conversation with the rep from Live Carrers stating they would like to refund my money....

Desired Settlement: Please re-issue credit totaling $102.85 to my account along with any finance charges!

Business Response: October 17, 2013 C********** **** *** **** ******** **** *** ****** I am writing in regards to your October 10, 2013 inquiry concerning *** *********** ***** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** **** on October 17, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** **** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

11/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Company has failed to close my bank account and didn't send me any bills. Months later after I paid off the account and insisted they close the account, they send me to collections for $300 and I never used the card! I dispute the charges and insist they repair the damage to my credit report. They promised a call within 48 hrs to discuss my dispute and they never called me and it has been 4 days.

Desired Settlement: Close, zero balance since I never used the card and fix my credit.

Business Response: October 17, 2013 ********* ***** *** **** ******** **** *** ****** I am writing in regards to your October 8, 2013 inquiry concerning *** ********* ****** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** on October 17, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

11/4/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I called them for three reasons. 1. Pay my bill. 2. To see if they could lower my interest rate. 3. To ask to drop the last months late fee of $35. It took over 20 minutes to get a real person on the phone and when I did, she wanted me to make my payment ( and charge me over $12 to do it!) before anyone would help me. She said that the late fee could be dropped but the interest rate cannot be changed. I needed to make a payment first before anyone would help me. I almost always pay by phone for no extra fee, so to do that I had to be transferred to the automated line (this way there is no fee), and then I never was connected to a real person after that. I kept getting the same recording. So I was able to pay my bill but nothing else.

Desired Settlement: Make it easier to contact a person and try to be more helpful. I've been a customer for many years but not for much longer.

Business Response: October 16, 2013  *** **** ****** BBB File ******** **** *** ****** I am writing in regards to your October 2, 2013 inquiry concerning *** **** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on October 16, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

11/1/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am being charged a returned check fee for a payment made on time in which the payment cleared the bank. Paid on sept. 13th, cleared on the 17th. They claim the bank rejected my payment but my bank has no record of this happening. Now they claim I am behind or late when I made my payment on time, it cleared the bank and my new statement says current. nothing past due. They claim I owe $92 but for what. the fee is for $25 added to my normal $47 minimum payment due which equals $72. I have been trying all week to rectify this and get nothing more than the run around. One day I call and my account is current the next it says late. Whats the deal. I feel they are being fraudulent and charging fees for no reason. They claim to have run my payment thru twice but my bank statement shows once and not returned. I have read hundreds of similar complaints about this bank in which they were charged fees for nothing. How can they stay in business with these shady practices??

Desired Settlement: I want fees refunded, my account to show current, this to not show on my credit report and an apology in writing

Business Response: October 24, 2013  *** ****** *** **** ******** **** *** ****** I am writing in regards to your October 4, 2013 inquiry concerning *** *** ******* The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on October 24, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me. 

 


 

 

 

10/23/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I stayed under the credit limit yet Applied bank has charged me $35 over the credit limit fee, due to Applied Bank monthly interest rate charge, #5 over the limit was due to Applied bank's charges not mine, this is Fraudulent charges and customer mistreat I will be reporting this to the Federal Trade Commission and to Office of the Attorney General consumer protection division this is blatant fraud on the part of Applied Bank Card. Charging me 35 dollars over the limit fee for their own company charges

Desired Settlement: DesiredSettlementID: Other (requires explanation) I Demand that this $35 dollar charge over the limit fee be adjusted

Business Response: October 16, 2013 *** **** ***** ****** ******** ****** ** ******** ** ***** *** *** ******* ** ***** Re: *** ******* ****** *** **** ******** **** *** ****** I am writing in regards to your October 1, 2013 inquiry concerning *** ******* ******* The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on October 16, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

10/21/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been an Applied Bank credit card account holder for approximately six years. On June 12, 2013 I paid in one lump sum the entire balance of $873.27 of my Applied Bank card in an effort to close my account. During this time I called the bank and spoke with a representative who assured me that when the balance cleared, my account would be closed. To my dismay, I received a statement from Applied Bank in the mail in July with an active balance on it. Despite indicating on my statement that my account was indeed closed, a new balance of $34.49 was listed. This balance included a $15.00 monthly maintenance fee, an $18.80 late fee for not paying the monthly maintenance fee, and $0.69 in interest on these fees. I called the bank again to clarify why I was receiving a monthly maintenance fee on a closed account for which the balance was $0 the previous month, and was told that unless I was current on my payments that a representative would not speak with me. As such, I paid the $18.80 minimum payment on July 14, 2013, at which time I was told that my payment would be credited back to me and that the additional fees and interest would be taken off of my account. In August, again to my surprise, I received another statement from Applied Bank indicating a new balance of $50.59. This balance included the $15.00 monthly maintenance fee, a $34.49 late fee for not paying the monthly maintenance fee, and $1.10 in interest. The statement, as the month before, had written on it: “Your Account Is Currently Closed”. Again I called the bank to clarify and I was again told that a representative would not speak to me while my account was not current on payments. Again, I paid the minimum payment, which at this time was $34.49, on August 14, 2013. I was again told that my payment would be credited back to me and that the additional fees and interest would be taken off of my account. In September, after having been charged on a closed account with a balance of $0 twice and never receiving any credits back on my account, I checked my Applied Bank credit card statement online and noticed a new account balance of $100.59, including another $15.00 monthly maintenance fee and a $35.00 late fee. I tried to call the bank once again to dispute this, and was once again told that unless I was current with my payments, no one would speak to me. I demanded to speak with a manager, and was again told that unless I was current on my payments, not even a manager would speak to me. I paid the minimum payment of $50.59 in order to speak with someone, and was told that once the payment cleared, I could call back to speak with a manager. At this point, I am only paying the minimums to be able to speak to personnel who have done nothing but deceive and lie to me. I am concerned about the potential of this negatively impacting my credit score, as well as the potential financial implications on my family and children if I have to keep making minimum payments on a closed account for monthly service fees. Applied Bank has proven incapable of handling their day-to-day operations as it pertains to my account and I would like the Better Business Bureau to help me clear up their mistakes. I can provide all bank statements that support the information outlined in this letter. I thank you in advance for your assistance in this matter, as it has been nothing but a headache and a scam for myself and my family.

Desired Settlement: I would like for Applied Bank to permanently close my account as to not charge me anymore monthly maintenance fees, remove all balances on my account that have been fraudulently charged by this company since the closure of my account, refund me in the form of a personalized check the last three minimum payments that I have made on their fraudulent charges totally $103.88, issue an apology addressed to my family and me for the inconvenience and malpractice of their company, and to never contact me again once this issue is resolved.

Business Response: October 8, 2013 ****** ***** *** **** ******** **** *** ****** I am writing in regards to your September 23, 2013 inquiry concerning *** ****** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** on October 8, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

10/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have opened a secured credit card account ending **** with Applied bank in Feb 2012, but never activated the card and never used it. However, 1 year later Applied charged me an annual bank fee and reported that I was 60 days late on this account to the credit bureaus. As a good will gesture I paid the annual fee that they charged me and disputed this negative late mark on my credit report with the credit bureua but it came back "verified".

Desired Settlement: Delete this disputed account as I have never activated it and refund the annual fee that I paid Allied bank.

Business Response: October 1, 2013  *** ***** ********* *** **** ******** **** *** ****** I am writing in regards to your September 16, 2013 inquiry concerning *** ***** *********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ********* on October 1, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ********* directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

10/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Recieved a phone call at 10:00 pm EST from a blocked number. When call was answered it was an automated system trying to recieve payment from Applied Bank. When tried to reach 'live person' system kept returning to option menu. Again time called was 10:00 pm EST. well after normal business hours.

Desired Settlement: Would like company to be monitored for other such calls being made. I was under the impression that calls could not be made after 9 pm of that areas time zone. If this is not the case please advise.

Business Response: September 24, 2013  Re: *** ******* ****** BBB File #******* **** *** ****** I am writing in regards to your September 20, 2013 inquiry concerning *** ******* ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on September 24, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

10/12/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had applied Bank for a credit card and did not realize that they gave me a business card which I have no business. I am on SSDI and have a borderline intelligence (someone is helping me fill this out.) I have filed complaints with the AG and Consumer Affairs about their billing practices. I have been charged many fees and wrong amounts during the course of having this card. I am hit with a monthly maintenance fee 9.95 I have been charged 6.95 for paying the bill a VRU payment an over limit fee, etc By the time I was sending a payment in it does not even cover the bill because of all these other tacked on fees which continues to push my credit limit over. My credit line of 750 is now up to 1000. I asked to close this card and their Credit Control LLC informed me this was still opened. The often are requesting my checking account number which I refuse. I try to consolidate this with my program and they Applied Bank denied this to be put in with my other bills. I feel like I have been taken advantage of because of my disability. I am tired of being threatened by this company and the company they have transferred to collect a debt. I understand I owe money. My account has been closed since June and I they are still adding late fees, maintenance fees. I will never be able to catch up on this bill. PLEASE NOTE when my therapist called to speak to the company a woman named ***** informed my therapist they were "NO LONGER TAKING CREDIT CARD APPLICATIONS THEY REACHED THEIR CAPACITY." When my therapist said, "Wow really in all my professional career that is something I have never heard." The lady then questioned if my therapist was a lawyer and she said yes why, the lady hung up."

Desired Settlement: I want them to take off all these fees and not add any more allow me to make a payment arrangement for what the credit line was at 750 and let me consolidate this with my other bills. I feel at this point they have taken advantage of not just myself but others. I went under with my therapist and researched this company and many complaints on http://www.consumeraffairs.com/credit_cards/applied_card.html where there were 292 complaints. I feel like this company has been breaching the credit card practices.

Business Response: October 2, 2013  *** *** ******* **** BBB File ******** **** *** ****** I am writing in regards to your September 12, 2013 inquiry concerning *** ******* ***** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** **** on October 2, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** **** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

10/10/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have had a credit card with Applied bank for more than 10 years. I normally make my payment before due date. this month I informed their representative I would be late on my payment which was due by 9/18/13 , totaling $131.00.I informed their staff who called at 8:30 A.M. today I plan to make the payment this Thursday. I fully understand I would be charged a $30.00 late charge . I checked my account on line and Applied Bank shows a past balance due of $307.00. They added the missed payment to my total balance, so now there is obviously an over limt as well as late charge. But that still does not add up to $307.00. No statement is available on line. No charges are itemized. The automated system simply tells me the balance due is $307.00. I have never known the company to add a missed payment to the balance this way, but since I am rarely ever late, I would not have known they would do that.

Desired Settlement: Since I am rarely ever late, I really would appreciate the late fee being waived, and simply charged the regular payment $131.00. If that cannot be done, then I expect being charged the $131.00 plus ONLY the late charge.

Business Response:

October 9, 2013

 

*** **** ***** ****** ******** ****** ** ******** ** ***** *** *** ******* **  *****

 

 

*** *** ****** ** *** ****** *** **** ********

**** *** ******

I am writing in regards to your September 24, 2013 inquiry concerning *** ****** *** ******.  The inquiry was referred to me for review and response.  Thank you for bringing this matter to our attention.

We have addressed this matter directly with *** *** ****** on October 9, 2013 via written correspondence.  However, in order to protect our customer’s confidentiality, we are unable to provide you with the details.  For further information, please contact *** *** ****** directly.

Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me. 

 


A company executive, ******  contacted me and resolved th eissue. She explained that my amount due was twice what it should have been  due to late charge, finance charge, finance charge on the late fee, and being billed for the folling month (although this was before the billing period) While I question the "advance bill", I accepted her explaanation as she promised to waive the late fee and any associated finance charge. She was very pleasant and noted I have been a loyal customer for 11 years and only late once before. I am satisfied fully with her resolution.She also informed me to call her in future if I ever had a problem with paying on time. Thank you.

 

10/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i have found out that i have a credit card in my name from this company that i did not authorize. when i called them to make sure that i could have this cancelled, i found out that they have almost 4 hundred dollars worth of charges on it and refuse to close the account free and clear, even though i never signed up for this!! very outraged by this!!!

Desired Settlement: this account to be closed with no balance!!!

Business Response: September 16, 2013  Re: ***** ********** BBB File #******* **** *** *****: I am writing in regards to your August 30, 2013 inquiry concerning ***** **********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ********** on September 16, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ********** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

9/28/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: the last week of april 2013, an Allied Bank representative and myself agreed that on a bi-weekly basis $50.00 was to be withdrawn from my bank account starting May 3rd 2013 to the middle of September of the same year to pay off the balance on my company credit card. The representative informed me that by that timeframe the balance on my card would be reduced to $0. At that time, she didn't disclose any fees or charges that would be deducted from the balance first before paying down the principal which at the start date of May 3rd was $617.00. At the time of this email my balance is currently $548.00 with only $69.00 being applied to my balance after payments totally $400.00 being taken from my account during this time period. When I contacted Allied Bank about this, I was told the $431.00 went toward interest fees and charges that were never disclosed to me during my recorded phone call with the first rep when I set up the payment plan in April 2013.

Desired Settlement: I want to have the amount of over $400.00 that has been taken from my account to go to my principal balance on the card.

Business Response: September 18, 2013 *** *** ******* ***** *** **** ********I am writing in regards to your August 29, 2013 inquiry concerning *** ******* ****** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****z on September 18, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact **. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

9/27/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had a secured credit card and the account was closed and I was never issued a refund for the $220 USD I've called time and time to only be given the runaround send proof that the bank accounts that I've used to Pay where mine so I did and still nothing after 8months I had a rep.call the banks on 3way and she did verified all bank accountsi stated you (applied bank)didn't have a problem when I pay you now that I want my money back you want proof this is bad business. So here I am 1year later and still no refund of my $220 USD I dont have my account#any. More but my ss# is *********

Desired Settlement: A refund of my $220+ interest for the all most 2years that they'd my money and failed to refund me at the highest possible rate

Business Response: September 10, 2013 Re: ******* ******* *** **** ******** **** *** *****: I am writing in regards to your September 3, 2013 inquiry concerning ******* *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******* on September 10, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

9/25/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My credit card number was compromised and used fraudulently. Per the banks policy they issued me a new card. I was subsequently charged a $30 card replacement fee. This fee was charged in error as the card was not lost but, used fraudulently through no fault of my own. I did not request the card replacement but, was simply issued one because of the banks policy.

Desired Settlement: I would like a refund of the $30 card replacement fee.

Business Response: September 4, 2013  Re: R*** ***** *** **** ******** Dear *** ****** I am writing in regards to your August 26, 2013 inquiry concerning *** **** ****** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** on September 4, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

9/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In December 2012 -- I opened an account with AppliedBank. My credit limit was $500.00. Things seemed good. InAugust 2013 things were going down hill. I paid a payment at first of June on the 5th and 16 June, as I knew I would be out of town early August. August came and the bank charged me a late fee for August payment. due on August 2nd. I paid another pay August 4th. There should not have been a late fee. In addition they had a 10.95 maint fee and a 9.95 fee, On the web it showed I had 35.00 available. I used 25.00 for my nails and all went down hill from here. The customer service is the worst I have ever delt with. I called and a person with very rude tactics said I can not help you go on line and look at your statements. We charged you an over the limit fee. I can not help you. I said give me your Department Head Manager. The uneducated person then told me we don't have deparment managers I have a manager. I said give me your Department Head Manager who can straighten this out. The person then transferred me to a George who said he was at the front desk. He said hold on and hung up on me. I then called back and said I would like the speak to your Department Head Manager at this point a male with bad english said we don't have a Department Head Manager. I said ok let me have you Cancellation Department. A lady then comes on the phone and says we dont have a Caneallation Department. I then stated I want to cancel my card. I will pay payments of 35.00 until my debt is clear. The lady then says we dont have a Cancellation Department. I repeated again, I want to cancel my credit card. A lady she said I am Collections department. You owe us $105 dollars. I said I do not I want these rediculous fees late fee etc removed and I will pay my monthly 35.00 and at times more until this debt is clear. She said no you have to pay $105.00 plus interest on this account. I then stated cancel this credit card. You have the worst non caring non helpful customer service I have ever delt with. The card is now cancelled at my request. My payment is now $105 on sept 2 with add on costs which are not reasonable. She was rude. I said I want my statements sent to me she said you cannot have them go on line and view them or pay $3.00 each for them snet to you. I am in collections we have no Cancellatlion Depatment. You are only allowed at this point to view recent statement for August! Todate Applied bank calls me every day about my account. Please note the $105 they claim I owe is not due until September 2nd. this is harrassment. Stop calling me. Work with me to resolve this issue and they will be paid.

Desired Settlement: Remove the late fee which was not late. Removed the fees. I will pay $35.00 per month on the 2nd of each month, and on some pay days during the month more, until this debt is paid in full. I want others to know Applied Bank does not care about its clients. I advise others to be aware of poor customer service.

Business Response: September 10, 2013 R** ******** ***** *** **** ******** **** *** ****** I am writing in regards to your August 23, 2013 inquiry concerning ******** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** on September 10 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

 I called a ** **** ******* at Applied Bank  ********** **** *****  as she did not contact me back with results.  The results are after 105 in so called fees HAVE BEEN PAID.  Applied bank still show me 521 balance. My limit is 500.  If I don't pay 60 more dollars on Oct 2 it goes back to 35 over limit 10.95 maintenance fee (the account is closed) by me why a maintenance fee?  In addition, every time a pay on line they charge me 10.95  if I mail it they say it's late. It will go back to over the limit fee --- on and on 2 Oct if I now don't agree to pay even more money.  They are a scam.  I told her I felt she did all she can do. ?? I am going forward to the Attorney General and other sources as soon as I hear from you folks.  How is grinding me for more and more money a month solving this issue?  I asked if I pay the 21 for the now showing over 500 fee and pay 35 on 2 Oct will this account become positive? ** ******* said no you have a maintenance fee and an interest fee that take you over the limit monthly.  I will go to the Federal Trade Commission as well.  The following a terms are not helping me keep this account in good standing.  My payment of 35.00  has gone out the window.  Applied tacks on fee fee fee and makes it impossible unless you pay more more money to pay the account.  This is not acceptable.  This is a scam on hard working Americans.

Business Response: October 1, 2013 *** *** ******** ***** *** **** ******** **** *** ****** I am writing in regards to the September 20, 2013 follow-up inquiry concerning *** ******** ****** *the inquiry was referred to me for additional review and response. We welcome the opportunity to address *** ******* continued concerns. We have addressed this matter directly with *** ***** on October 1, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. 

9/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Applied Bank has been reporting a charge off on my credit report which has me listed at an authorized user. I have disputed this with the credit bureaus but Applied bank has refused to remove this negative information and has sent me a form that shows me being added to the primary owners account but the signature and hand writing is not mine. On the form the sent it is very clear that the original account holder has signed their name first by mistake, crossed it out and then wrote mine in, then forged my signature. I am not responsible for this debt and I will start by making this complain to BBB, I will then send a complaint to ******** ********* ********** ****** and then my s****** ******** ******** After which I will contact a consumer attorney.

Desired Settlement: I would like Applied Bank to remove this account from my credit report.

Business Response: September 5, 2013 *** **** ******* *Co-Debtor of acct ending ***** *** **** ******** **** *** ****** I am writing in regards to your August 19, 2013 inquiry concerning *** **** ******** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******* on September 5, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ******** and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

They have not provided any solutions. They have tried contacting me but I would like to keep our communication through BBB.

 

 

 

 

Business Response: September 17, 2013 *** **** ***** ****** ******** ****** ** ******** ** ***** *** *** ******* ** ***** Re: Mr. **** ******* BBB File #******* **** *** *****: I am writing in regards to the September 11, 2013 follow-up inquiry concerning *** **** ******** The inquiry was referred to me for additional review and response. We welcome the opportunity to address *** ******** continued concerns. We have addressed this matter directly with *** ******* on September 17, 2013, via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******* directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. 

9/8/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company does not offer a phone number where a human being can be reached. When you press the buttons for customer service, then to speak to an operator, you are immediately looped back to the beginning of the menu. I have tried for 6 straight days to talk to someone regarding my account. My credit card account has been suspended for no reason and with no written communication of any kind. It is a secured card, therefore they have taken my deposit and cancelled my card without informing me of any issues. My payment was 3 days late, and I paid much more than required.

Desired Settlement: I would like this account terminated immediately and my $200 security deposit returned promptly. I will not be a customer at any bank that will not allow me to talk to a person.

Business Response: August 22, 2013 **** *** *****: I am writing in regards to your August 16, 2013 inquiry concerning ******* ****** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** on August 22, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

9/6/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been a satisfied customer with Applied Bank until I found out my credit card account was carelessly charged off due to the mistake of your customer service representative. I became unemployed November 2012, I was paying for the Payment Protection insurance which is provided for Applied Bank accounts. The insurance company had not made any payments towards my account as of April 2013. I received a call from the Applied Bank collections department on Apirl 9th, 2013, the representative stated my card was due to be charged off the next day if I did not submit a payment that day (April 9th) in the amount of $40. I told her I was working with the Payment Protection program but since they had not paid anything I agreed and did pay the $40 requested to keep my account active and open. I counted to submit payments after this. I assumed as the representative told me my account was in good standing after making that payment. I called the bank in July to check my account balance, as I needed to use my card for an emergency purchase and I was told I had an available balance of $300.00 through the automated account service, subsequently when trying to use my card to my dismay I was declined. I called and spoke with a customer service representative who told me on April 10th my card had been charged off. I explained my conversation on April 9th that I had with a previous representative and was told they had indeed received my payment on the 9th of April. I was told she would have a supervisor listen to the call to verify what I was told. I was also told to fax a letter of the fax to their correspondence department which I did.A week later I spoke with a ******* ******* ext ***** who states he in fact did listen to the call, and the representative did tell me everything I claimed she did. In addition he said the reason they went ahead and closed my card was because she had me pay the wrong amount, but he agrees that it was $40 she said I needed to pay and that it was no fault of my own that this account had been closed. This conversation took place on August 1, 2013, at 10:29am. However, he says that the only thing he can do is report to the credit agency that my account was not charged off but first I needed to pay the balance of $137 to close out my account because my account was charged off. I should not have to zero out my account if my payment was properly applied to my account it would still be open and I would still be paying my regular monthly minimum of $35. He said that I would have to take that issue up with the bank. I responded that my account should have never been charged off so I shouldnt need to pay the card off in full if my account was still open and not inadvertently closed. I also find it unacceptable that he agrees to report to the credit agencies that my account was not charged off, and then charge me $137 because my card is charged off. The resolution I am seeking is a new credit card with my current balance and credit limit. Also I need the adjustment made to the credit bureau that my account was not in fact charged off. In addition, *** ******* told me it was my own fault that I had waited to so long to deal with the mistake that happened months earlier. I choose to use my credit card for emergency purposes only which should be acceptable to Applied Bank. Hence I had not realized the issue until July or I would have inquired sooner.

Desired Settlement: A replacement credit card account with my same balance and credit limit. information sent to the credit bureau showing my card has not been charged off.

Business Response: August 19, 2013
 
 
Better Business Bureau of Delaware
60 Reads Way
New Castle, DE  19720
 

**** *** ******
 
I am writing in regards to your August 7, 2013 inquiry concerning ******* ******  The inquiry was referred to me for review and response.  Thank you for bringing this matter to our attention.
 
We have addressed this matter directly with *** ***** on August 19 via written correspondence.  However, in order to protect our customer’s confidentiality, we are unable to provide you with the details.  For further information, please contact *** ***** directly.
 
Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
 

9/6/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Applied Bank continues to list an incorrect and false account on my credit without validation. I have disputed the validity of this account on 3 separate occasions and have yet to receive validation per FCRA requirements (not just my name, address, and social security number as this information can be obtained simply by going through my trash). It is for a credit card opened fraudulently many years ago that was in my name. It continues to negatively update and affect my credit which is preventing me from obtaining future credit. I have been nothing but professional with this company and even asked for preventative solutions to get this account removed. They refused that the account will continue to report as disputed and that negatively affect my credit. I have seen other complaints people have filed on this company - mine may seem small in their eyes but this is literally ruining my life. I have even paid this account when was promised it would be deleted and it yet STILL remains.

Desired Settlement: I would like this account removed.

Business Response: August 19, 2013
 
 
Better Business Bureau of Delaware
60 Reads Way
New Castle, DE  19720
 
 
**** *** ******
 
I am writing in regards to your August 6, 2013 inquiry concerning ******* **********.  The inquiry was referred to me for review and response.  Thank you for bringing this matter to our attention.
 
We have addressed this matter directly with *** ********** on August 19, 2013 via written correspondence.  However, in order to protect our customer’s confidentiality, we are unable to provide you with the details.  For further information, please contact *** ********** directly.
 
Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
 

9/3/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On 03/20/2013, I have opened a visa card account with Applied Bank and since then, I have been on a good status with them. On 05/2013, I have asked them in writing to review my account for possible increase in credit limit and/or lowering the interest rate , on May 22, 2013 ***** ***** the vice president of customer service department sent me a letter , saying you account has been closed and you need to cut all the cards and no use them anymore. I have not asked them to close the account after one year being in a great status with them and now I have lost my card and business with them. I believe Bankcard Service Center AKA Applied Bank, did not represent a good business service with me, their attitude toward me was not professional , and I will fight for what is right .Thank you.

Desired Settlement: I am asking Bankcard Service Center to reinstate my membership with full credit and a lower interest rate is in order.

Business Response: August 19, 2013
 

Better Business Bureau of Delaware
60 Reads Way
New Castle, DE  19720
 
*** ******** **** *** **** ********
 
**** *** ******
 
I am writing in regards to your August 13, 2013 inquiry concerning ******** ****.  The inquiry was referred to me for review and response.  Thank you for bringing this matter to our attention.
 
We have addressed this matter directly with *** **** on August 19, 2013 via written correspondence.  However, in order to protect our customer’s confidentiality, we are unable to provide you with the details.  For further information, please contact *** **** directly.
 
Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

 

 

 

 

 

8/30/2013 Billing/Collection Issues
8/28/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I opened a credit card account with applied bank and payed a $200.00 fee. My issue is that I made all my minimum payments on time but was charged over the limit fees for 3 to four consecutive billing cycles. When I checked their automated balance it would say (for instance) $22.00 available credit for purchases. I would make a $12.00 purchase and the next day they would immediately impose their interest and say I was over the limit and charge a $35.00 fee. This interest didn't kick in on a 14 day billing cycle but would kick in as soon as they saw I made a purchase. Even 1-2 days after my payment had just posted to them. None of my other credit cards consider or charge me over their limit if it's their interest or finance charge that puts me over the limit. I closed my account with Applied Bank in May 2013. They continue to charge me, in addition to their interest a $9.95 monthly maintenance fee.

Desired Settlement: As I made all my payments on time and still am making scheduled payments on the account I would like my over the limit fees credited back to the account to help me expedite paying off the remaining balance.

Business Response: August 12, 2013  I am writing in regards to your August 2, 2013 inquiry concerning *** ***** ******** ***. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ******** on August 12 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ******** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 

8/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I processed a draft through my checking account to pay my payment on this credit card. Applied Bank insists they tried to draft this from my account and the draft was returned by my bank. My bank can not find proof of this. I have submitted a statement from my bank to Applied Bank showing that this was not returned. Applied Bank insists that this was returned. I have written to Applied Bank twice in regards to this matter. Twice they have sent me the same form letter stating that this item was returned and their charges stand. I keep calling their phone number and keep getting an automated response no matter what option I push. I believe the matter could be resolved if I could actually speak with a human. Bottom line - my bank did not return this charge. It was paid the first time the bank shows it was presented. Applied Bank can not provide proof when asked that it was returned. How can they charge me for something and not prove that I actually owe the fee imposed?

Desired Settlement: I would like the fees imposed removed from my account and any derogatory information regarding this transaction in their system removed from my account immediately.

Business Response: August 21, 2013 I am writing in regards to your August 13, 2013 inquiry concerning *** ******** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ****** on August 21, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ****** ********. Please contact the Executive Correspondence department T******** ** ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me.  They sent me an additional letter where they have removed the fees and admit they can not prove the item was returned.  Thank you for your help with this matter.

 


 

 

 

8/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My husband, my son ******* ****** and I all have accounts with this company. We had a SEVERE family emergency which caused us to fall behind in payments for approximately a month and a half. I have told these people that we will receive money in August and will pay them in full whatever the currently due payments are at that time. Despite this fact, they call me constantly over 5 times per day, even when I have spoken to a representative which is in violation of the FDCPA.

Desired Settlement: Abide by the FDCPA!!!

Business Response: August 2, 2013 I am writing in regards to your July 30, 2013inquiry concerning *** **** ****** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with *** ***** on August 2, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact *** ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. 


Customer Review(s)

The customer review(s) below are un-filtered. These positive and negative reviews are not used in the calculation of the BBB Rating. If you wish to file a complaint and request a resolution to your issue please click here. This customer review section is not BBBs complaint resolution system. Customer Reviews are the subjective opinion of the individual who posted the review and not of Better Business Bureau. A customer review is not posted on a business if a BBB complaint on the same issue(s) is also filed. BBB cannot guarantee the accuracy of any customer review and is not responsible for the content of any customer review. Public comments are not customer reviews.

Customer Reviews Summary

5 Customer Reviews on Applied Bank
Positive Experience (0 reviews)
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