Credit Tips: Cross Country Bank Credit Card Complaint

Posted On: March 1, 2005

Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 4:48 pm
Post subject: Cross Country Gripe

Sue Arnold
Date: 4/12/2000 3:35 pm CDT

My husband had a credit card with Cross Country. In late November we
received a statement showing a balance of around $650.00 and a payment of
$35.00 “DUE NOW” We called to verify the balance on the account. We sent a
check for the full amount of the balance on the statement which was verified
and requested that the account be closed when the payment was posted. The
next statement we received shoed that the payment was posted on 12/9/99, the
account was closed on 12/10/99 and a “LATE FEE” of $35.00 on 12/23/00. They
charged us a late fee along with interest on an account that had been paid
in full and was closed.

Cross Country has sent us numerous statements - with each one charging us
more late fees and interest. We have called them on several occasions
trying to resolve the matter. In March we wrote a “dispute letter”
detailing the above along with attachments. They sent a response that we
owe the money - but gave us no explanation. They have been reporting bad
credit information to the credit bureaus since Jan.

Does anyone have any idea of what is the next step to resolve this matter? Do we need
to get a lawyer? Do we need to report them to the Better Business Bureau?

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Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 4:49 pm

ann keathley
Date: 4/15/2000 11:17 pm CDT

To Whom It May Concern:

I recently have experienced a similiar situation with
Cross Country Bank as well. I made the fatal mistake of
opening an account with them in June of 1999. The total
purchase amount was $414.33. Credit limit was $600.
Unfortunately for me they put $150 app fee, $10.00 express
charge & also caused a merchant ck to be returned against
the account 2 times & charged me another $75 in fees along
with interest. The first correspondence I received from
this financial lending institution was a nasty over the
limit letter and it was all their fees which caused the
over limit balance. How do you fight it? First thing you
do is you file complaint with better business bureau. Write
a letter to all 3 major credit reporting agencies that you
dispute the repoting of this credit card on your file with
an explanation as to why and they will place it directly in
your file for all other lending companies to read. I have
repaid this company $920 and have askd for the account to
be settled in full. No one in that bank has the authority
to make the decision. I am now in the process of writing a
letter to the CEO: Meryl Beard/P.O. BOX 310748/Boca Raton
FL/33431-0748. I intend to fight for all consumers who may
be under this same type of scam. I have been in banking for
almost 12 years and have never seen this type of leadership
failure in my years of experience. Don’t give up. I refuse
to pay this company anymore money. The National Banking
commission could use letters as well.

Thanks,
Ann Keathley

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Credit Tips: Cross Country Bank Credit Card Complaint

Posted On:

Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 4:26 pm
Post subject: Cross Country- The Worst Card Co.!

Donna Jones
Date: 4/25/2000 10:40 am CDT

To whom this may concern, I had an awful experience with cross country bank
visa card. They have to be the worst company going. I got a bank loan paid
off my card in full with a deal they wouldn’t charge me the annual fee. Well,
a year later I was still fighting with them about it. I ended up paying them
the annual fee plus all the late charges and interest on top of it. I also
told them to close my account after that and they never seemed to do it. Now
on top of all the problems they gave me trans union says I have bad credit.
they are just and awful company and I wouldn’t advise them to anyone. I let
them know what I thought of them too. Thank you Hope you can spread the word.

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Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 4:27 pm

ohgorsh
Date: 7/28/2001 0:44 am CDT

YES I HAVE THE SAME PROBLEM ,THEY DID ELECTRONIC PAY ,,AND SAID I DID A RETURN CHECK SO FAR THEY ARE CHARGING ME OVER 160 BUCKS ,,I CALLED MY BANK AND THEY SAID MY FUNDS WERE FINE AND HAVE EXCELLENT FUNDS IN THE BANK ,CROSS COUNTRY CALLS ME EVERY NITE ,,THEY WILL NOT RESUBMIT THE FUNDS WHICH MY BANK TOLD THEM WAS THERE ,,THEY SAY MY PAYMENTS ARE LATE ,WELL THEY ARE NEVER LATE ,,AND CHARGE LATE FEES ON TOP OF OVER LIMIT FEES ,,ONCE I CALLED THE 50 CENT LINE AND GOT CHARGED 30 MORE DOLLARS FOR OVER THE LIMIT CAUSE I WANTED TO CHECK MY BALANCE ,,TO TOP IT OFF WHEN U CALL THE NUMBER HALF THE TIME IT CUTS OFF AND U DONT GET THE FREE CALL ,,THIS WEEK THEY HAVE CALLED ME EVERY NITE AND REFUSE TO HELP ME FIX THIS PROBLEM ,,ITS SO SO SIMPLE ALL THEY HAVE TO DO IS RESUBMIT THE AMOUNT AS MY BANK TOLD THEM TO DO ,,,SO THEY ARE JUST HARRASING ME NOW THAT IS SAID I CUT THE CARD UP ,,,HAVE HAND EXCELLENT CREDIT CARDS BUT NOT FROM THEM ,,THEY ARE MEAN AND NASTY AND WONT REASON ,,,,,ALSO I SEND MY PAYMENT WAY BEFORE DUE DATE ,THEY SAID IT TAKES 13 DAYS TO GET IT ,,I ABOUT DIED LAFFING ,,I ORDER STUFF ALL THE TIME THAT DONT TAKE THAT LONG TO SEND ,,IRONIC ,,MAYBE THEY ARE DOING THIS BY HORSE AND BUGGY ,,ITS A PYRAMID EFFECT THAT RIPPLES DOWN ,,THEY ARE MAKING THE BUCKS ,AND DONT EVEN HAVE A HARD TIME SLEEPING AT NITE ,,ONE LADY SAID TO ME I WAS TRASH CAUSE I HAD SECURED CARD ,,TO TOP IT OFF ITS NOT SECURED CARD AND NEVER WAS ,,WELL HOPE EVER ONE LEARNS A GOOD LESSON FROM THAT MESS I WAS IN ,,AND STILL IN ,,I HAVE CALLED FOR HELP TO FIX THE PROBLEM TO NO AVAIL ,,WELL I ASKED THEM WHAT THEIR JOB DISCRIPTION WAS FOR THEY CAN CALL AND THREATEN ,,BUT THEY ARE NOT AUTORIZED TO FIX THE PROBLEM ,,DOES THAT MAKE SENSE ,,,,WELL THANKS FOR YOUR IMPUT ,,I WOULD LIKE TO GET MORE PEOPLE TOGETHER THAT HAVE CROSS COUNTRY PROBLEM ,,,ALSO PLEASE GO TO BETTER BUSINESS BUREA AND REPORT THEM ,,I DID IT IN THEIR STATE AS WELL AS MY OWN ,MAYBE THIS WILL SAVE ALOT OF PEOPLE MISERY ,,ALSO SAME THING HAPPEN TO MY BROTHER ,,HE HAD INSURANCE IF HE GOT SICK THEY DIDNT PAY A DIME ,,BUT TOOK HIS INSURANCE MONEY ,THEY SAID QUOTE ,,WE JUST GET INSURANCE WE ARE NOT TEH INSURANCE COMPANY SO HE NEVER GOT PAID FOR THAT ,,,,
BYE FOR NOW ,ALSO ONE LADY THERE EXPLAINED THAT TRAILOR TRASH PEOPLE HAVE TO PAY ,,THAT IS WHAT CARD IS DESIGNED FOR IS FOR PEOPLE TO ESTABLISH CREDIT ,,I SAID NO IT HINDERS CREDIT ,,,SO U MEAN TO SAY U PRAY AND PEOPLES BACK LUCK TO KEEP THEM WITH BAD CREDIT WHILE U MAKE A PROFIT ,,,
VERY SAD OUTFIT ,,,,email me if you have problems i would like to add it to my list so i can send it to others ,,
ALSO THEY SAID THEY SEND OUT NOTICES FOR ELECTRONIC PAY ,,I FOUND OUT IT WAS IN THE ENVELOPE WITH STUFF U THROW OUT USUALLY AND WASNT POSTED ON THE BILL ,,GO FIGURE ,,,

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Credit Tips: Cross Country Bank Credit Card Complaint

Posted On:

Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 2:32 pm
Post subject: Cross Country Bank Scam

Jonny Freedman
Date: 6/6/2000 10:59 am CDT

I had a card with them for 2 years, then I stopped receiving bills. I
advised rep I would not pay until I received a bill. I wrote a letter
when I didn’t receive a bill and got a response right away, but received
a statement 6 months later only showing total due of $1000 from a $500
credit limit. Have had no success with getting cooperation from anyone
at this place.

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Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 2:33 pm

Board Monitor
Date: 6/6/2000 11:14 am CDT

Jonny,

Thanks for your recent feedback. You are not the only one that has felt like they have been deceived by Cross Country. There have been many, many complaints about them. For a sampling, visit the message board at creditnet and search for cross country…

http://www.board.creditnet.com

I would definitely consider reporting this situation to the authorities.

Hope this helps!

Regards,
Jackie Hughes
Board Monitor
CardRatings.org

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Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 2:33 pm

Kat Henson
Date: 6/9/2000 11:44 am CDT

I am sorry to hear of your trouble with Cross Country Bank. But, thanks to many other people like you posting their experiences with this bank, I have decided NOT to send in the application I received from CCB. I have lost count of how many horror stories I’ve read concerning the very questionable practices of Cross Country Bank. So, my sincere thanks to you and the other unfortunate souls who have warned me away from certain trouble. And I wish all good luck and go sue them, nailing thier hides to the wall!!

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Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 2:34 pm

Jim Rowe
Date: 7/24/2000 11:53 pm CDT

Here is a message I sent out to a number of the Internet contacts that
have been helping us.

RE: CCB Class Action Lawsuit

I wanted to thank you for your input and help. Finally, I can advise
you
we have filed a class action lawsuit in the Southern District of Florida (at
Boco Raton) against Cross Country Bank and naming Applied Card
Systems,
Experian, and Trans Union LLC’s as co-conspirators. The lawsuit is
Cutshall
v. Cross Country Bank, Case No.00-8670-Civ-Ryskamp. The last
notation after
Civ is the name of the Judge. The suit was filed July 21, 2000.

The lawsuit makes five claims: 1) violation of RICO, 18 U.S.C. 1962(d),
charging a pattern of racketeering activities; 2) conspiracy to violate
RICO,
18 U.S.C. 1862 (c); 3) violation of the Truth in Lending Act; 4) violation
of Consumer Protection Statutes; and 5) common law fraud.

On each of the claims, the plaintiffs ask for damages of not less than
$50 million as well punitive damages to be determined at trial. Trebling
of
the actual damages may be appropriate for punitive damages.

The lawsuit is now on file and seeks substantial damages to punish
CCB
for its past behavior and force it to comply with the law.

Board Monitor wrote:

Jonny,

Thanks for your recent feedback. You are not the only one that has felt like they have been deceived by Cross Country. There have been many, many complaints about them. For a sampling, visit the message board at creditnet and search for cross country…

http://www.board.creditnet.com

I would definitely consider reporting this situation to the authorities.

Hope this helps!

Regards,

Jackie Hughes
Board Monitor
CardRatings.org

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Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 2:36 pm

Lynn Goulden
Date: 11/7/2001 4:13 am CDT

I am so glad to know that I am not the only one trying to take ccb down. I cant believe the crap they are pulling with the over charging of fees to our accounts. Its like a runaway train. Please reply to me.

Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 2:37 pm

JO JO
Date: 2/13/2002 9:18 pm CDT

you can only imagine the nite mare ,,,,,,,,they charge me for calling the toll free 2 phone calls a month ,30 bucks
They have charged me over the limit ,late charges for 6 months they call me 5 times a day ,and call me names ,I dont miss a payment or ,,,,,,fees ,,,,,they are so rude on the phone and ,,insist they are gonna win this battle ,,,,,,they now charge me for being early on payments the jerks ,,,,,,,,,,they told me on the phone they are ,a money card maker ,,,,,,,,,,,they pray on people with bad or not so good credit ,,,,,,and they are good at it ,,,,,,,, so one guy just told me he was one penny off ,,,,,,,he paid his account and now they are saying he owes them a penny so his account is due ,,,,,,,jerks ,,,,,,,,,,,,JO

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Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 2:38 pm

JOJO
Date: 2/13/2002 9:25 pm CDT

CAN U SEND ME ANY INFORMATION WOULD LOVE TO SUE THEM FOR A NUMBER OF THINGS ,,,,,,,,,,,,,THANKS Jo jo

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Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 2:38 pm

JOJO
Date: 2/13/2002 9:22 pm CDT

WHOS GONNA DO ANYTHING ,THEY CAN CALL 24-7 AND HARRASH ,AND CALL YA TRAILOR TRASH AND GET AWAY WITH IT SO FAR ,,,,,,,,,,WE NEED TO WRITE TO ATTORNEY GENERAL WITH A PATITION TO GET THEM OUT OF BUSINESS ,,,,,,,

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Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 2:39 pm

Jim Rowe
Date: 6/10/2000 10:58 am CDT

Beware !! Cross Country Bank is the biggest bunch of embezzling thiefs you will find!
They used “direct deposit” to embezzle $400 from my bank account & not a penny
has been posted to my CCB account.

Over 2,000 people are victims of these CROOKS! just check this website:

jerrydj.com/CCB/

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Credit Tips: Cross Country Bank Credit Card Complaint

Posted On:

Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 1:57 am
Post subject: Cross Country Nightmares

Pete Smith
Date: 7/3/2000 2:43 am CDT

Cross Country Bank is an absolute nightmare to do business with. Posting payments weeks after they are mailed, losing payments, multiple billing errors that are never corrected - all these are routine practices. Add customer service that’s rude, abusive, and unhelpful and Cross Country demonstrates its utter contempt for customers. No one is so desperate for credit to subject themselves to the incredibly expensive and humiliating Cross Country experience. Their horrible reputation is well deserved.

Just some food for thought!

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