Applied Bank

Review: 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 [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. [redacted]

Review: 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 [redacted], which is inaccurate. My name is [redacted] 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 [redacted]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 [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 [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: 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 Revdex.com, I will then send a complaint to [redacted] and then my s[redacted] 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 [redacted]Co-Debtor of acct ending [redacted]

I am writing in regards to your August 19, 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 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 [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.

Consumer

Response:

Review: APPLIED BANK ACCOUNT NUMBER [redacted] MADE A PAYMENT WITH APPLIED BANK FOR THE AMOUNT OF $508.54.I MADE THIS PAYMENT WITH MY [redacted] CHECKING ACCOUNT.TODAY I SPOKE ON A CONFERENCE CALL WITH BOTH [redacted] AND APPLIED BANK.APPLIED BANK IS ATTEMPTING TO TELL ME THAT THEY DO NOT HAVE THE FUNDS.THE [redacted] REPRESENTATIVE REPEATEDLY INFORMED APPLIED BANK TODAY THAT THE FUNDS WERE DEDUCTED FROM MY [redacted] ACCOUNT, ISSUED TO APPLIED BANK, AND NEVER RETURNED NOR REFUNDED. APPLIED BANK TOLD ME THAT I WAS "OUT OF $508.54 UNLESS [redacted] CAN PROVIDE PROOF THAT WE WERE GIVEN THE FUNDS"THE BIG PROBLEM WITH THIS IS THAT AFTER I MADE MY PAYMENT WITH [redacted] THEY SHOWED THE $508.54 BEING PAID ON MY ACCOUNT AND MY BALANCE BROUGHT DOWN TO ZERO. FOR WHATEVER REASON THEY REVERSED MY PAYMENT AND ARE ATTEMPTING TO CHARGE ME FOR 2 LATE FEES AND OVER THE LIMIT AS WELL AS TELL ME THAT THEY DO NOT HAVE THE $508.54 (OR AT LEAST NOT ANYMORE).I AM MISSING $508.54 - THERE IS NOTHING THAT [redacted] CAN OR WILL DO. APPLIED BANK IS STEALING FROM ME; PLEASE HELP.Desired Settlement: I NEED SOMEONE WITHIN APPLIED BANK THAT IS NOT IN THE CUSTOMER SERVICE, NOR INTERNET SECURITY DEPARTMENT TO GET THIS RESOLVED. I AM ASSUMING A MEMBER OF MANAGEMENT OR SOMEONE IN THE ACCOUNTING DEPARTMENT MIGHT BE ABLE TO HELP.WHOEVER THAT INDIVIDUAL MIGHT BE NEEDS TO REISSUE THE $508.54 BACK ONTO MY CREDIT CARD ACCOUNT, BRING MY ACCOUNT CURRENT, AND REFLECT POSITIVE CREDIT AND WAIVE WHATEVER FEES THEY'VE IMPOSED ON ME DUE TO THIER ERROR.

Consumer

Response:

Review: 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 "[redacted]" 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 "[redacted]" operator ID [redacted]. 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. [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 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. [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: 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 NUMBERDesired 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. [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 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. [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 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 [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 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]

Review: 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 Revdex.com, 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 Revdex.com score and file to show such harassment

Business

Response:

November 13, 2013 [redacted]

I am writing in regards to your October 31, 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 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 [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: 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 [redacted]

I am writing in regards to your October 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 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 [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 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. [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 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. [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: 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 productDesired 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. [redacted]

I am writing in

regards to your February 18, 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 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. [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,

Executive

Correspondence

Review: 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 chargesDesired Settlement: DesiredSettlementID: Other (requires explanation)

I Demand that this $35 dollar charge over the limit fee be adjusted

Business

Response:

October 16, 2013

Re: [redacted]

I am writing in regards to your October 1, 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: 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 [redacted]:

I am writing in regards to your August 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 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 [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: My husband, my son [redacted] 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 [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 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 [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: 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. [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 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. [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 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. [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,

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

Business

Response:

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,

Review: 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 Revdex.com will be able to assist in this bank in their illegal practices.

Business

Response:

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.

Review: 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 [redacted] 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 [redacted] Revdex.com File [redacted]

I am writing in regards to your September 12, 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 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 [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: 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. [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 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. [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,