Applied Bank

September 26, 2016
I am writing in regards to your September 14, 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 September 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. [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 30, 2015
I am writing in regards to your June 29, 2015 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 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. [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 30, 2014 I am writing in regards to the July 17, 2014 inquiry concerning [redacted]. The inquiry was referred to me for review and response.
We have addressed this matter directly with [redacted] 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 [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,

February 6, 2014  R[redacted]
I am writing in regards to the January 23, 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...

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 [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 7, 2016
I am writing in regards to your March 2, 2016 inquiry concerning Mr. [redacted]. 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. [redacted] 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. [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]

March 7, 2017
I am writing in regards to your February 23, 2017 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 March 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 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

January 26, 2016
I am writing in regards to your January 14, 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 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. [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]

February 3, 2016
I am writing in regards to your January 28, 2016 follow up inquiry concerning Ms. Motunrayo [redacted]. The inquiry was referred to me for additional review and response.
We have addressed this matter directly with Ms. [redacted] 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. [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

Review: 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 [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 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 [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Consumer

Response:

Review: I have opened a secured credit card account ending [redacted] 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 [redacted]

I am writing in regards to your September 16, 2013 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 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 [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.

Review: 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. [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

Review: 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 [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]

Consumer

Response:

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

Review: 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 [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 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 [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.

Review: 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 [redacted]

Revdex.com File [redacted]

I am writing in regards to your October 2, 2013 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 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 [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.

Review: I had a secured credit card account with applied bank a few years ago: [redacted] 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. [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 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. [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,

Consumer

Response:

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

Review: 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 [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 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 [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,

Review: I made two payments on my account on July 9, 2013 (extra payment was made to ensure that the payment would post, in case one payment did not clear) My payment posted to the second account the next morning. I recieved a call to verify the payment, I had to get the bank on the phoine, fax bank statements, etc. Did all of that. I was told the hold had been released on my account and funds would be available the next day. The next day, card declined. I called customer service, they told me funds wouldn't clear until 7/17. Meanwhile the original payment was resubmitted to my bank and debited the next day. So in 2 days, they collected $900 in payments from me on an account with a $500 credit limit. I have called just about everyday, I recieve different, inaccurate information evry time I call. I finally spoke to a manager today that explained, my funds wont clear until 7/23 and I will only have $500 credit available to me at that time. While he empathized with me and apologized for the inconvience caused by all of the inaccuracies told to me by their representatives, at no point have they tried to espedit resolving this matter.Desired Settlement: They need to expedite processing these payments or refund me one of the additional payments made on the account.

Business

Response:

July 31, 2013

[redacted] Revdex.com of Delaware

I am writing in regards to your July 17, 2013 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 July 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 [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.

Review: I am a victim of identity theft. I have disputed this credit card multiple times through all three major credit bureaus. In addition, I have tried to write Applied Bank to dispute but the address of: PO Box 10210, Wilmington, DE 19850 is incorrect and my letters have been returned. This address is listed on my credit report as a reference. Therefore, I called the company at 561-982-9111 to request a fraud affidavit. I spoke to 3 different representatives that transferred me all over and finally I was disconnected. Therefore, I sent an email requesting a fraud affidavit for this account that was opened in my name. This process has been taking over a year to resolve and has ruined my chances of getting a home. Since then I have found that Applied Bank sold this loan to a debt collector law firm in Pennsylvania. I have spoke to [redacted], sent letters of dispute and all they did was include my number on a automatic dialer to collect this debt. No one is helping me with this issue.Desired Settlement: This account amoung other accounts were opened fraudently in my name. I have had success with other companies to get this removed from my credit. Applied Bank seems to ignore my dispute from the credit bureaus and the debt collector they sent me too. I would like a fraud affidavit sent to me and I once it has been received completed back from me. Please remove this fraud account from my credit.

Consumer

Response:

Revdex.com,

Review: 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 [redacted] ID [redacted] 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 [redacted] ID [redacted] who informed me he could take the payment over the phone but I would have to pay three cent more than [redacted] 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. [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 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. [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,

Review: 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. [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 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. [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,