Applied Bank

Review: I have been trying to close this account. I would like to pay off the balance and close the card and stop my direct debit from my checking account. My online access will not let me log on. I have given them all the information that they need to pay this bill off. Yet they said I am not who I am after verifying my account. I just want to pay this account and pay it off. I do not want to have this hit my credit. I do not want them to keep taking money out of my account. I have tried to speak to a supervisor but they will not let me speak to them. they keep asking me again for personal information. I have wrote them a letter verifying them information of who I am. thank you,Arthur Lott

Product_Or_Service: none

Account_Number: noneDesired Settlement: DesiredSettlementID: Other (requires explanation)

just want to pay this balance and stop my direct debit

Business

Response:

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,

Review: I have been with this bank since January 2005 and on 7/22/2015 I logged in to pay off my credit card. According to the balance on the website my balance was $2,314.58. I made that payment from my personal checking account on 7/22/15 as stated above. Today 7/27/2015 I logged in to see that my payment posted and that I had a zero balance, ($0.00)! I called to CLOSE the account as the interest rate of 29.99% is too high, and I did not want to keep paying a $15.00 MAINTANCE fee for something I wasn't going to be using anytime soon (if ever), as I have other cards with NO MAINTANCE FEE with higher limits and lower interest rates!

I was told that I had an OUTSTANDING BALANCE of $32.35 that would need to be paid by 8/1 or I would have another $15.00 MAINTANCE fee charged.

Looking at my "Account at a Glance" from today it shows a Current Balance of $0.00 and NO Pending Transactions. Credit Limit of $2,400 - Available Credit of $85.00 and a Payment of $2,314.58 (if you take) the Available Credit of $85.00 + the Payment of $2,314.58 that equals $2,399.58 (leaving me an out standing balance of $0.42).Desired Settlement: I want Applied Bank to remove the $32.35 that they say I owe and CLOSE MY ACCOUNT. AND not ding my FICO score.

Business

Response:

August 6, 2015

I am writing in regards to your July 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 August 6, 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: these people are harassing me calling me 3 and 4 times a day trying to collect from something that is their error, since they are supposed to take the money out from my account every month. Auto-pay. They charged me $70.00.00 incorrectly. acct ending in 7285.Desired Settlement: they have to refund the fees to my account for $70.00 and stop harassing me.

Business

Response:

September 26, 2014 I am writing in regards to your September 16, 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 September 29, 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] Monday thru Friday, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Sincerely,

Business

Response:

November 3, 2014 I am writing in regards to the October 22, 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]s via written correspondence mailed on November 4, 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]s 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: Account paid in full and closed. Charging interest and fees. They tell me it is because they charge daily interest and even though I paid and the charge went through that day there was additional fees. I contacted them and there is no way to pay the balance in full because there is always a charge at the end of the day. I did not sign up with this bank. My account was sold or transferred to them. They are predators and impossible to do business with. I will now have late fees on an account that was paid in full because their supervisor told me there was no way to resolve this issue.Desired Settlement: I would like the service fees refunded.

Business

Response:

March 12, 2015

I am writing in regards to your June 15, 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 June 25, 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: Applied Bank is continuing to report on a time-barred account. The statute of limitations in the state of Missouri is 5 years on a revolving account. In additon the date of first deliquency is also incorrectly reporting as date of last payment in 2009 instead of date of first delinquency which was in 2007. Accordingly the reporting is inaccurate and the trade lines should be removed from the credit bureaus.Desired Settlement: Please remove trade line from all three credit bureaus.

Business

Response:

September 30, 2014 I am writing in regards to your September 29, 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 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, [redacted]

Consumer

Response:

Review: I had a secured credit card with Applied bank for about 5 years. The account was secured with a $200 deposit. Due to the extremely high fees, annual fees, and the companies inflexibility I wrote a letter and requesting my account be cancelled. At that time my account balance was lower than but close to $200. I sent this letter to the only address that I could find to send a correspondence to. That is the addressed used to send in a disputed charge form. Applied does not allow for any communication or 2-way interaction via the web and they making extremely difficult to find out who to contact for certain issues (ie closing an account). About 2 weeks go bye and I get a call stating that my account was overbalance by $37 dollars due to non payment. I called customer service and informed them of my request mailed to them to close my account. The rep acted as if they never got my request and that it didn't matter. My account should have been closed and settled with the secured ($200) deposit per my letter. I had ask the rep to process the close and I informed him that I am not on the hook for the fee due to their negligence in not closing and settling the account in a timely manner. Further, I was informed that my security deposit of 5 years was not earning any interest????Desired Settlement: Close out the account and $0 out the balance. I will not pay late fees on late fees that should not have been incurred in the first place. Also, if I am due any interest on my security deposit. Remit such funds to me. I will also be contacting the FDIC and other regulatory agencies and political offices to assist in preventing applied bank from gouging those that it claims it is helping in providing a chance to correct their credit.

Business

Response:

December 19, 2013 [redacted]

I am writing in regards to your December 4, 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 December 19, 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: I have been trying to settle this account with no luck.Desired Settlement: [redacted], Applied Bank has this account listed as a Profit & Loss Account. This alleged p&l account was written off in 4/2009. I need to get this account settled and removed from my credit report but no one at Applied Bank can find this account. Again with that in mind, a complete deletion of this alleged profit and loss account is what I am looking for.

Business

Response:

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] 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,

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: To Whom It May Concern:

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is

requested. Under the Fair Debt collection Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you for $3344.00. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 (b) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus (Equifax, Experian, Trans Union), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following: Violation of the Fair Debt Collection Practices Act and Defamation of Character.

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Please provide the following:

• Agreement with your client that grants you the authority to collect on this alleged debt.

• Agreement that bears the signature of the alleged debtor wherein [redacted] agreed to pay the creditor. • Any insurance claims been made by any creditor regarding this account.

• Any Judgments obtained by any creditor regarding this account.

• Name and address of alleged creditor.

• Name on file of alleged debtor.

• Alleged account number.

• Address on file for alleged debtor.

• Amount of alleged debt.

• Date this alleged debt became payable.

• Date of original charge off or delinquency.

• Verification that this debt was assigned or sold to collector.

• Complete accounting of alleged debt.

• Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for Applied Bank in case legal action becomes necessary. Your claim cannot and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

Best Regards

[redacted]Desired Settlement: if your company can not provide the requested documentation, I hereby request that all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Business

Response:

June 29, 2015

I am writing in regards to your June 11, 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 June 30, 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 a entry from your company on my Credit Report that I need removed immediately. I don't remember ever doing business with your company, but I need it removed immediately even if I have to pay the $264 it's reporting. Again, not marked as PAID.. but all reference and association with your company needs to be DELETE from all my credit reports. If paying you the $264 is what need to happen then I will do that.Desired Settlement: Again, not marked as PAID.. but all reference and association with your company needs to be DELETE from all my credit reports. If paying you the $264 is what need to happen then I will do that.

Business

Response:

June 3, 2015

[redacted]

Revdex.com File #: [redacted]

Dear [redacted]:

I am writing in regards to your May 27, 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 June 3, 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: this company has me owing them 813 dollars I never had a card from them never heard of them I disputed with them last year and was promised it will be taken off never didDesired Settlement: immediately remove all negative info from my credit file and send me the prof that I owe them or ever did business with them

Business

Response:

March 11, 2015

I am writing in regards to your March 2, 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 12, 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:

Review: I have disputed this account several times. Please remove from credit reports right away or further legal action will be seeked.Desired Settlement: Remove from all credit reports!!

Business

Response:

May 20, 2014 I am writing in regards to your May 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 May 28, 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: On 4/25/2013 I obtained a copy of my tri-merge credit report (all three credit bureaus, on one report). In reviewing this report, I observed that the Applied Bank reported significant inappropriate, inaccurate, and misleading information to Experian.

My account with the Applied Bank closed for good in November 2007. The account was never re-opened.

However, as of 4/25/2013, the Applied Bank reported to Experian significant credit activity occurring between 2008 and 2011, years after the account closed. Any occurrences of any credit activity on this account after 11/2007 would be considered fraud.

The Applied Bank even reported to Experian this account opened in 2011.....while at the same time reporting the account closed, four years prior, in 2007.

Further, the Applied Bank reported significant alleged credit activity that not only did not occur, but could not have occurred; such as the account having been late three times in one calendar month.

Following the Applied Banks 4/25/2013 misrepresentation of this account to Experian, I wrote to Experian several times, to dispute this matter. On each occasion, I used USPS Certified Mail, which provides a return receipt. So, I know Experian received it.

On each occasion, Experian upheld the inappropriate reporting.

Further, in February 2014, I went online to Experian's website, and accessed my credit report there.

Experian's online reporting of this matter reflects the fact that the Applied Bank reported to Experian this account had been "Charged-Off" each and every month, from 2008 until 2011, nearly 36 months in a row.

No credit account can be charged-off multiple times; once it is charged-off, it is no longer a credit account. This is a very, very serious violation of the Fair Credit Reporting Act, as well as a violation of other state and local laws.

In closing, two brief items:

On their 4/25/2013 reporting of this matter, the Applied Bank reports to Experian this account closed in 2007. This contradicts any and all of their reporting of any account activity occurring between 2008 and 2012.

Finally, at the end of the day, it appears that the Applied Bank and Experian may be working together to facilitate placing this inappropriate information on my credit report. Both parties are well aware the information is false, and cannot legally be reported, as all of the alleged occurrences of account activity occurred after the account closed for good.Desired Settlement: I would like The Applied Bank to remove any and all reporting of this matter from not only Experian, but from all national credit bureaus.

Further, I would also like for Experian to be ordered to remove any and all reporting of this matter from my Experian credit report.

Business

Response:

February 18, 2014 I am writing in regards to your February 11, 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 18, 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: Three point issue

1) CS rep told me over the phone that I am not responsible for the charge to replace my card if fraud of my CC occurred on my account. I have been charged twice a 30$ fee for replacement of my card after fraud occurred to my account.

2) Before I started this account I was told that the card would graduate to an unsecured CC. after creating the account and a year of perfect history I call in to request a review of my account to be informed that this card will never graduate to an unsecured account.

3) before creating the account I called in to inquire about which credit bureaus applied bank reports to an was informed all three. Upon pulling my Equifax report I find this trade-line is not reported and call in. The CS rep tells me they do not report to EQ and will not report to EQ and will never honor my request to report to EQ.

due to the nature of these three issues AND the fact that I have now been given an unsecured card from my employee credit union I am now at the point where I do not need or desire to keep my business going with applied bank. If my three point issues cannot be resolved or address somewhat satisfactorily I feel that my desire to take my business elsewhere will be determined and resolved.¬¬Desired Settlement: I desire three things

1) Refund of fees for expense on card replacement OR complete explanation of why CS reps inform over the phone that I am not liable for fee when I have been charged this fee twice.

2) Graduation from secured to unsecured OR explanation why CS rep's sell this over the phone before account creation then afterwards never offer this.

3) Update to my Equifax credit report of the trade line to add the history of my positive account to benefit my credit repair

Business

Response:

November 6, 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 [redacted] on November 6, 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 have contacted this business NUMEROUS times regarding the fact that I have not been receiving their bills. After I closed my account due to the fact that they charge you fees whether you carry a balance, my online access was blocked. I had NO idea what my balance was or if I owed a balance. I contacted Applied Bank to let them know that I was not receiving anything and I was told I could make a payment through the automated system (which would always send me to a customer service rep) or online (my account was blocked). When I would call the customer service about my online access, they would refer me to Tech Support who would tell me to reset my password which would not work. Tech support would then tell me to contact customer service because it was something on their end...and the vicious cycle went on and on. I received NOTHING until I got a call on June 22nd, 2013 stating that I was past due and the negative info was being reported on my credit report. I set up payments to bring myself current and immediately started disputing the charges and late payments being reported. After receiving nothing back, I filed a complaint with the FDIC in October of 2013. Almost immediately upon filing my complaint with the FDIC, I FINALLY heard back from someone with Applied Bank. The woman who I talked to basically accused me of lying and stated that they sent statements and the fact that I did not receive them was not their problem. I am absolutely disgusted with the lack of customer service they provide and will make sure that I tell everyone I know about my negative experience. I will blog, post on any sites I can find that you can complain, and people in my day to day life. I would never want anyone else to have to deal with this horrendous excuse for a credit card company.Desired Settlement: My desired settlement is that they remove the incorrect charges from the account, remove ALL account info from my credit report, and never contact me again. I do not want to receive mail, phone calls, OR any sort of contact from them in the future. Their customer service and this whole situation has been a nightmare going on since July 2011. I have also filed a complaint with the FDIC and am considering filing a complaint with the FTC as well.

Business

Response:

December 4, 2013 [redacted]

I am writing in regards to your December 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 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 have contact this company to explain I needed any information about a credit card they issued in my name to my Office address at [redacted]

I never received the card or the bills I had a secretary that retrieved all mail and that was residing at my rental property at [redacted] for the last 1 years I have been living in with my ill father my business partner discovered several credit card in my name and the company name after the secretary quit we called each company and explained we needed there assistance so that we could file and press charges Applied bank assured that they would help we have never heard from them or have never gotten any information we needed a copy of the application and signature on the application we need help and assistance we do not want this against me or my companyDesired Settlement: we need Applied bank to give a copy of the application, restore any bad credit if this have been done , re- issue all stolen cards

Business

Response:

November 14, 2013 [redacted]

I am writing in regards to your October 28, 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 14, 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 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.

Review: I have had a credit card with Applied bank for more than 10 years. I normally make my payment before due date. this month I informed their representative I would be late on my payment which was due by 9/18/13 , totaling $131.00.I informed their staff who called at 8:30 A.M. today I plan to make the payment this Thursday. I fully understand I would be charged a $30.00 late charge . I checked my account on line and Applied Bank shows a past balance due of $307.00. They added the missed payment to my total balance, so now there is obviously an over limt as well as late charge. But that still does not add up to $307.00. No statement is available on line. No charges are itemized. The automated system simply tells me the balance due is $307.00. I have never known the company to add a missed payment to the balance this way, but since I am rarely ever late, I would not have known they would do that.Desired Settlement: Since I am rarely ever late, I really would appreciate the late fee being waived, and simply charged the regular payment $131.00. If that cannot be done, then I expect being charged the $131.00 plus ONLY the late charge.

Business

Response:

October 9, 2013

Review: I processed a draft through my checking account to pay my payment on this credit card. Applied Bank insists they tried to draft this from my account and the draft was returned by my bank. My bank can not find proof of this. I have submitted a statement from my bank to Applied Bank showing that this was not returned. Applied Bank insists that this was returned. I have written to Applied Bank twice in regards to this matter. Twice they have sent me the same form letter stating that this item was returned and their charges stand. I keep calling their phone number and keep getting an automated response no matter what option I push. I believe the matter could be resolved if I could actually speak with a human.

Bottom line - my bank did not return this charge. It was paid the first time the bank shows it was presented. Applied Bank can not provide proof when asked that it was returned.

How can they charge me for something and not prove that I actually owe the fee imposed?Desired Settlement: I would like the fees imposed removed from my account and any derogatory information regarding this transaction in their system removed from my account immediately.

Business

Response:

August 21, 2013 I am writing in regards to your August 13, 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 21, 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].

Please contact the Executive Correspondence department T[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:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. They sent me an additional letter where they have removed the fees and admit they can not prove the item was returned. Thank you for your help with this matter.

Review: I acquired this secured credit card account ($1000) in 10/09. After having the account for short period of time (March 2010) I canceled the card due to the high amount of the service charges. There was a 300 dollar positive balance at the time it was canceled and nothing pending. I was told that it would take several weeks to get my refund and they had to hold it until everything cleared from my statement. Around May 2010 I get a bill for 267.00 and I call the number on the bill. The Multitude of non or broken English speaking people I talked to was unreal. I was finally told that if I would pay the 236.00 they would report on my credit that I had “never missed a payment and was the great customer” That is extortion….. I had a positive balance when it was cancelled and it followed their instructions to a “T” if you add the 236 and the 300 they took a total of 536 dollars because I closed the account? I have contacted the collection agency and they can’t even get a copy of any statements. This is the ONLY negative account on my credit file. I feel this is unfairly and unduly affecting my credit in a negative way. It is causing me damages in that it is making me pay a higher interest rate for a mortgage that I have applied for and if this doesn’t resolve the problem I will pursue further legal action and seek damages under the Fair Credit Reporting Act. Account number CBCS collection [redacted]Desired Settlement: Remove this from my credit.

Business

Response:

April 7, 2014 I am writing in regards to your March 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 April 7, 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: the last week of april 2013, an Allied Bank representative and myself agreed that on a bi-weekly basis $50.00 was to be withdrawn from my bank account starting May 3rd 2013 to the middle of September of the same year to pay off the balance on my company credit card. The representative informed me that by that timeframe the balance on my card would be reduced to $0. At that time, she didn't disclose any fees or charges that would be deducted from the balance first before paying down the principal which at the start date of May 3rd was $617.00. At the time of this email my balance is currently $548.00 with only $69.00 being applied to my balance after payments totally $400.00 being taken from my account during this time period. When I contacted Allied Bank about this, I was told the $431.00 went toward interest fees and charges that were never disclosed to me during my recorded phone call with the first rep when I set up the payment plan in April 2013.Desired Settlement: I want to have the amount of over $400.00 that has been taken from my account to go to my principal balance on the card.

Business

Response:

September 18, 2013 [redacted]I am writing in regards to your August 29, 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]z on September 18, 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 made my payment on the due date of 9/9/15 baying the balance in full. However I was charged a late fee because I live in a different time zone and did not pay by the arbitrary time of 5pm EST. I was not notified of said late fee and believed my balance was 0. however in October I was contacted that I was over 30 days late on my payment and now owed $106. All of which were fees, I had made no purchases in that time. I was treated rudely and was refused when I requested to talk to a supervisor. Two days later after being harassed by their call center I was finally contacted by a supervisor who said the President refused to refund the fees. She admitted the polices was unfair but refused to help me, when I disagreed with the charges I was threatened with further charges and actions against my credit score.Desired Settlement: Refund of the $106 in fees.

Business

Response:

October 21, 2015

I am writing in regards to your October 16, 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 21, 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,

e

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.