Applied Bank

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.
 
 
Complaint Detail / Problem
Nature of Complaint:

Billing or Collection Issues - The company has unethical collection practices


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Problem:


I have previously filed a complaint with the Revdex.com and the fraud department of Applied Bank with no avail. After contacting a Mr. [redacted], 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 [redacted] 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, [redacted] 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.

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Desired Settlement / Outcome
Desired Settlement:



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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.

November 26, 2014  I am writing in regards to your November 19, 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 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 [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,

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. The person I spoke with, Ms [redacted] 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 Revdex.com should Applied Bank not honor its agreement, but I'm confident they will. Thank You,
[redacted]

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.
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,

January 20, 2016
I am writing in regards to your January 7, 2016 inquiry concerning Ms. [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 Ms. [redacted] 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. [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]
Executive Correspondence

August 30, 2016
I am writing in regards to your August 19, 2016 inquiry concerning Ms. [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 Ms. [redacted] via written...

correspondence mailed on August 30, 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. [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]

August 11, 2014  I am writing in regards to your July 25, 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 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 [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] Executive Correspondence

October 22, 2014  I am writing in regards to your October 7, 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 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 [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,

July 27, 2017
I am writing in regards to your July 11, 2017 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 July 27, 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. [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] Executive Correspondence

January 27, 2016 I am writing in regards to your January 14, 2016 inquiry concerning Dr. [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 Dr. [redacted] 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. [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]

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. 
Regards,
[redacted]

September 8, 2014 [redacted] I am writing in regards to your August 28, 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 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 [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]

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. 
Regards,

August 11, 2015
I am writing in regards to your August 3, 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 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. [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] Executive Correspondence

April 1, 2016
I am writing in regards to your March 22, 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 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. [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]

January 30, 2014  I am writing in regards to your January 27, 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 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 [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.

July 2, 2014 I am writing in regards to your June 24, 2014 inquiry concerning Ms. [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]...

[redacted] representing [redacted], 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 [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,

December 9, 2016
I am writing in regards to your November 28, 2016 inquiry concerning Ms. [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 Ms. [redacted] via written...

correspondence mailed on December 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 Ms. [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]e

October 13, 2014  I am writing in regards to the September 23, 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] 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 [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,

April 4, 2016
I am writing in regards to your March 22, 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 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. [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]