Applied Bank

I mailed my monthly payment to Applied Bank days before the due dateFound out that either the USPS or Applied lost my paymentWas charged $late fee and then a $over the limit feeTotal of $Tried disputing this with them and the REFUSE to do anythingAlso I have not received my statements for the two previous monthsI’m NOT on paperless billing so I should be getting themApplied bank hasn’t been helpful in this matterAlso file a complaint for not getting my statements! My account is current now expect for being over the limit due to their fees that the charged of the $

Revdex.com:
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 itemsThe business now wants me to pay the remaining balance in full in order to follow through with the agreement
Regards,

An account was opened without my knowledge under my nameI have contacted Applied Bank numerous times, in writing that I am disputing thisI have not received a responseI have disputed this with the credit bureaus and they just "verify" the debtThe last time I contacted Applied Bank was August 9th, Under the FDCPA, a creditor must validate within daysI have yet to hear from anyoneI also sent in a Identity Theft Victim's Complaint and AffidavitI still haven't heard anythingThis account is hanging a black cloud over my Credit reports and is affecting my livelihood

July 7, *** *** ***
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*** *** *** *** *** *** I am writing in regards to your July 4, request for additional information 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 7, 2017. 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 as *** *** *** *** between the hours of 8:AM and 5:PM Eastern Time should you have any further questions regarding this matter Sincerely, *** *** Executive Correspondence

I have been being billed and paying $5.00+0.24+.50/ month for over two years....my credit card expired 11/The bank did send me a new card all that time yet continued to send me monthly ststement with the above charges which I was paying till I noticed that my card had expired over a year ago with no acknowledgement from the bank yet collecting the monthly account service feeSo I stopped paying it a few months ago and then they turned in a non payment report to the credit bureau which lowered my credit scoreI have worked very hard for ten years to get my score where it belongs and then all of a sudden it drops because of this bankI have paid them the $they billed me for which is several months of monthly service chargesI feel they owe me something !

I've received a letter in the man regarding an account number which says I owe six hundred fifty dollars and forty two centsfor one I've never had an account with this company and they account was opened in and when I called the collection agency they said the account was under the name SandraAnd for two I called the number to try and ask about the bill they number I called said that the account number is invalid

months ago I called paid off the Applied Bank Credit Card and closed itThe following month I got a bill for from monthly service fee, and cash advance charge when there was no cash advance, so how can their be a fee? I called and said, I paid my balance in full, closed the card, why are you still charging meThey said No we do not have a record of thatI said what? I spoke to a rep my balance was zero, I closed the cardI asked if I would ever be charged again, the answer was no your account is closed, and at a balanceYou will receive a last statement with balanceNext bill they charge me I called and said, I closed the account and paid it offThey said we don't have a record of thatI said okay, lets do this now, and I will do it exactly how you want me to do itOkay? They agreedI paid the which I did not really owe, but figured it's worth paying the and never hear from them againI paid the over the phoneI asked if I would be charg

I came to a settlement agreement with on behalf of Applied BankOn paying the agreed amount the account would be considered paid in full and would show a $balanceI 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 worksI stated to them that it was agreed upon by the company that this account would be considered paid in full and will reflect a $balanceThis has not been done on their partI even told them I have the letter on the agreement
I would like the account deleted from my three credit reports
They have different dates of last activity
The status is being reported incorrectly not part of the agreement
The payments are incorrect
I would not like for this account to go into dispute I just want my information deletedTheir reporting is not accurate, According to the Fair Credit Reporting Act, only correct and accurate information may

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

Applied bank put a judgement on me and a lien on my home which I knew nothing aboutSo I tried to see my home and it popped upI have called Applied bank 10+ times to get this resolved and no body can find any information on meThis is ridiculous and need to get resolved

RE: Account for *** *** *** I do not believe that I owe this debt, and therefore dispute this account I am aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws I have checked with my State's Attorney General and verified that the Statute of Limitations for this type of debt in California has expired
The ability to report this to the credit bureaus requires you MUST have a contract signed between you, the company Applied Bank and I, *** ***, of which you do NOT have If you plan to continue to report this account to the credit bureaus, I will have no other choice but to report you to my State's Attorney General and the Federal Trade Commission because what you are doing is a violation against my FCRA rights, which is a Federal Law Under FCRA, section 609, you must remove the item from my credit reports
Neither you nor anyone affiliated to your company should contact me other than to inform me that collection effo

I am trying to cancel my accountI call and call their main number and just sit on hold as the automated system tells me they have high call volumeI just want to cancel my accountI have now been on hold for hours, at which point I hung up and called the lost card number, a woman answered and I told her my problem and let her know I was ready to report them as I have been on hold all afternoonShe said I did not have to do that and that she would connect me with someone who can helpAll the woman did was place me on hold and put me through to the same number and loop that I sat on hold with for hoursI again am sitting here on hold now for another minutes endlessly waitingThis is so wrong that they have no employees to answer the phoneFor there high annual fees they should have some staff to handle customer problemsThis is the worst company ever and I want to cancel my account immediately and receive my money from the secured card backI have not used this card

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.This does not meet my expectations because according to the FCRA Act, Section 609, they have to remove the account from the credit bureaus because they do not have a signed contract with my signature on it.  What they sent me does NOT have my signature on it anywhere and it needs to be removed.  I do not want to communicate with them outside of this forum.  They are trying to get me to contact them to bully me into playing their games and it is not something I plan on doing.  Remove the account from the 3 credit bureaus please.

February 24, 2014  I am writing in regards to your February 10, 2014 inquiry concerning [redacted]. 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 [redacted] 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 [redacted] directly.
Please contact the Executive Correspondence department Toll-free at [redacted], between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

March 21, 2014
 
 
[redacted]
[redacted]
[redacted]
I am writing in regards to the March 20, 2014 follow-up inquiry concerning [redacted].  The inquiry was referred to me for additional review and response.
We have addressed this matter directly with [redacted] 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 [redacted] directly.
Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter.

October 5, 2015
I am writing in regards to your September 29, 2015 inquiry concerning Mr. [redacted]. 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. [redacted] 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. [redacted] directly.
Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
Sincerely,

March 20, 2015
Ms.  I am writing in regards to your March 4, 2015 inquiry concerning Mr. [redacted]. 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. [redacted] 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. [redacted] directly.
Please contact the Executive Correspondence department Toll-free at ([redacted], between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
Sincerely,

May 16, 2016
I am writing in regards to your May 9, 2016 inquiry concerning Mr. [redacted]. 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. [redacted] 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. [redacted] directly.
Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
Sincerely,
[redacted]

September 30, 2014  Re: [redacted]
Revdex.com File  I am writing in regards to your September 26, 2014 inquiry concerning Mr. [redacted]. 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 [redacted] 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 [redacted] directly.
Please contact the Executive Correspondence department Toll-free at ([redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
Sincerely,