Applied Bank

Review: The reason for my complaint today is because of the nature of the credit card that was offered to me. I applied for a SECURED credit card in February 2012 and was approved with a secured line of $250.00; it is now 2 years later and I am requesting for a UNSECURED credit line increase. The company has stated to me that I need to go online and re-do a application for a unsecured credit line, and, they do not give out SECURED or UNSECURED credit lines anymore. In the process of going through this situation, I have not received any requests for a UNSECURED credit line increase. I asked the representative what was the reason for the termination of the credit lines and I was not given an professional answer. The gentleman was rude on the phone and was demanding that if I wasn't happy then I can cancel my account.Desired Settlement: I would like to know a professional reason as to why consumers such as myself and other consumers cannot receive a line of credit if they already have credit history with the number. Under typical circumstances, when a creditor do not give lines of credit anymore, they are typically going out of business. I don't want my credit to be affected, but I would like a explanation as to what can they do for the consumers who pay their bills on time and still active with Applied Bank whether secured or unsecured.

Business

Response:

November 26, 2014 I am writing in regards to your November 19, 2014 inquiry concerning [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with [redacted] on November 26 via written correspondence mailed on November 28. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact [redacted] directly.

Please contact the Executive Correspondence department Toll-free at ([redacted], between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Sincerely,

Review: In August 2013 there was an authorized charge to my credit card to Ticketmaster (unable to access statement or actual date billed) for approx $70 and another unauthorized charge on 8-25-13 to [redacted] On location -Oh for $78 Ref# [redacted]. I notified Applied Bank via us postal mail (which is the dispute process) informing of the unauthorized/fraudulent charges in October, November and December. I never received a response confirming that the dispute form had been received and I also spoke with a couple of representatives from Applied and they all advised they had no record of the dispute form being received. Finally, around December 16, 2013 I sent in yet another dispute form and followed up around the second week of January 2014 and was adv that the form had been received a couple of days prior and someone from the Dispute's dept would be contacting me within the next 48 hrs, needless to say I NEVER received a phone call nor any communication other than a statement through the mail. I called back to check the status last week and was advised by a representative that the issue had been closed and because of the time frame the charges were not reversed. I was told to call another department which I did and all I ever received was a worthless voice mail...and to no surprise, no call back. I am not going to pay for ANY fraudulent charges and additional bank charges on top of that. Please reverse the charges and any associated bank fees.Desired Settlement: Reverse the charges for Ticketmaster in August 2011 approx $70.00

Reverse the charge for [redacted] August 25, 2011 $78.00

Reverse the over-limit fee November 17, 2013 $35.00

Reverse the over-limit fee December 17, 2013 $35.00

Reverse the late fee January 14, 2014 $35 (My payments are posted each month on the 5th)

Reverse ANY and ALL finance charges associated with these unauthorized charges.

These charges should be reversed IMMEDIATELY.

Business

Response:

March 5, 2014 I am writing in regards to your February 14, 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.

Sincerely, [redacted]

Consumer

Response:

Review: This is hands down the absolute WORST bank I have ever dealt with. I could rarely access my account through their website, their customer service representatives are god awful and they slap you with hidden fees that are totally random and unexplained whenever they feel like it. They moved my card to collections and never bothered to contact me. Riddle me this, how do you over charge a secured credit card?Desired Settlement: I want all record of your company and your pathetic institution removed from my credit report. I do not want to have to contact the credit agencies myself to do this. If I owe money, I will pay it. But I do not want any negative information to be shown on my credit report. After this is resolved I want you to delete me from all of your systems and to never contact me again. I want someone with authority to make this happen to call me immediately so I can get the ball rolling on this.

Sincerely,

A very [redacted] Veteran.

Business

Response:

January 16, 2014 I am writing in regards to your January 2, 2014 inquiry concerning [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with [redacted] on January 16, 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 ###-###-####, extension [redacted], between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Review: After pulling a copy of my credit reports in January 2014, and noticing inaccurate information being reported for this account that was charged off in 2008 I disputed the balance history and inaccurate late reportings in june 2007 and july 2007 on my credit reports with EXPERIAN, EQUIFAX and TRANSUNION. Applied bank "VERIFIED" these disputes with the CRA's. I contacted Applied Bankcard customer service in January 2014 and again in March 2014 to ask about the information being reported on my credit reports. Both customer service representatives told me there is "NO HISTORY ON FILE" for this acct, just a "BALANCE AMOUNT" of $1315 and they are no longer handling this acct. If there is no information on file for this account, it cannot possibly be verified to the CRA's. This is a willful violation of the FCRA.Desired Settlement: If the balance history and inaccurate reporting cannot be verified with a "thorough" investigation with documentation, I would like this account removed from all 3 credit reporting agencies immediately and anywhere else the furnisher is publishing this information. It has caused me undo stress and has ruined not only my credit score but my credit worthiness to Lenders. To date I have not filed a complaint with the CFPB or the Massachusetts Attorney Generals Office, I would rather communicate directly with the business and try to reach a resolution. Both customer service representatives were very polite and professional, they just could not provide any information on the acct.

Business

Response:

April 11, 2014 I am writing in regards to your April 9, 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 11, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact [redacted] directly.

Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Sincerely, [redacted]

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: I have made several attempts to reach a human and I still get automatic. However they have non Americans call and harass but no one can answer your question. I was expecting to make payments to get out of there collections and away from these extra fees I should have closed them earlier this year but I had have them another chance.Desired Settlement: I simply want my balance to start at the credit it was which was $350 I will be more than happy to start over with them but the fees are ridiculous.

Business

Response:

September 26, 2014 I am writing in regards to your September 17, 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,

Review: shows on my Transuion credit report that I still owe 1097.00Desired Settlement: to fix my credit report to paid in full

Business

Response:

January 27, 2014 I am writing in regards to your January 17, 2014 inquiry concerning [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with [redacted] on January 27, 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 have found out that I have a credit card in my name from this company that I did not authorize. when I called them to make sure that I could have this cancelled, I found out that they have almost 4 hundred dollars worth of charges on it and refuse to close the account free and clear, even though I never signed up for this!! very outraged by this!!!Desired Settlement: this account to be closed with no balance!!!

Business

Response:

September 16, 2013 Re: [redacted] Revdex.com File #[redacted]:

I am writing in regards to your August 30, 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 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.

Terrible card to have. They charge rediculous fees, and hold your payments for up to 2 weeks before releasing any money towards available credit.

Review: I UPDATED MY CHECKING INFORMATION FOR PAYMENT, HOWEVER APLIED BANK SYSTEM FAILED TO UPDATE MY BANKING INFORMATION AND CHARGED ME WITH A $36.00 FEE. I CONTACTED APPLIED BANK REGARDING THIS ISSUE. AFTER I ADVISED THEM ABOUT CLOSING MY ACCOUNT, THEY REQUESTED FOR ME TO PAY THEM OVER $100.00 IN FEE IN ORDER TO CLOSE MY ACCOUNT. I THINK ITS VERY UNUNETHICAL OF HOW APPLIED BANK IS TRYING TO STEAL MONEY FROM THEIR CARD HOLDERS.Desired Settlement: MY ACCOUNT HAS A LIMIT OF $800.00 AND I EXPECT TO PAY $800.00 TO CLOSE OUT THIS ACCOUNT AND NOT EVER TO DO BUSINESS WITH SUCH COMPANY AGAIN.

Business

Response:

July 9, 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 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, [redacted]

Review: I had a secured credit card and the account was closed and I was never issued a refund for the $220 USD I've called time and time to only be given the runaround send proof that the bank accounts that I've used to Pay where mine so I did and still nothing after 8months I had a rep.call the banks on 3way and she did verified all bank accountsi stated you (applied bank)didn't have a problem when I pay you now that I want my money back you want proof this is bad business. So here I am 1year later and still no refund of my $220 USD I dont have my account#any. More but my ss# is [redacted]Desired Settlement: A refund of my $220+ interest for the all most 2years that they'd my money and failed to refund me at the highest possible rate

Business

Response:

September 10, 2013 Re: [redacted]:

I am writing in regards to your September 3, 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 10, 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 closed my account with this bank and I have a balance of $194.38. I have asked this company not to contact me because the represenatives are rude and I suffer from PTSD from the military and when I chose not to answer the calls which they call more than 5 times a day including my work number.I am going to pay this balance but I am not able to do this at this time. Everytime they call, I get so upset, my day or evening is destoyed.

I have blocked several numbers from the company, but they call from another number or my work number.

They also send me emails on a regular basisDesired Settlement: Stop calling me. I am going to pay the bill.

Business

Response:

June 10, 2014 I am writing in regards to your May 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] on June 10, 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: This is regarding original account [redacted] APPLIED BANK is posting an account on my credit report for which I have not been notified of ownership or had any validation of debt. I am also taking issue with their credit reporting practices. APPLIED BANK is reporting the amount due as $3,367.00, and showing this as an open, Revolving Account and are reporting me 120+ days past due monthly. I have no account agreement with APPLIED BANK upon which to base a delinquency in payment. Reporting of a delinquency to a credit reporting agency requires a clear billing due date and expiration of more than 30 days from that date. I have requested verification of this debt with both Applied Bank and the Credit Reporting Agencies, and they have not been able to provide the verification documentation. This account is still being reported for collection at all credit reporting agencies (Experian, Equifax, Transunion ). I am requesting that your company takes the following steps: * Immediately delete the collection from all Credit Reporting Bureaus. Please confirm deletion and send written notice of compliance to either the email or physical address listed above. I understand that your company enjoys a good relationship with the Revdex.com and hope that we can resolve this quickly and amicably to our mutual benefit. I look forward to your quick response.Desired Settlement: Immediately deletion of the collection from all 3 of Credit Reporting Bureaus: Transunion, Experian and Equifax

Business

Response:

March 21, 2014 I am writing in regards to your March 17, 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 21, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact [redacted] directly.

Please contact the Executive Correspondence department Toll-free at 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 been an Applied Bank credit card account holder for approximately six years. On June 12, 2013 I paid in one lump sum the entire balance of $873.27 of my Applied Bank card in an effort to close my account. During this time I called the bank and spoke with a representative who assured me that when the balance cleared, my account would be closed.

To my dismay, I received a statement from Applied Bank in the mail in July with an active balance on it. Despite indicating on my statement that my account was indeed closed, a new balance of $34.49 was listed. This balance included a $15.00 monthly maintenance fee, an $18.80 late fee for not paying the monthly maintenance fee, and $0.69 in interest on these fees. I called the bank again to clarify why I was receiving a monthly maintenance fee on a closed account for which the balance was $0 the previous month, and was told that unless I was current on my payments that a representative would not speak with me. As such, I paid the $18.80 minimum payment on July 14, 2013, at which time I was told that my payment would be credited back to me and that the additional fees and interest would be taken off of my account.

In August, again to my surprise, I received another statement from Applied Bank indicating a new balance of $50.59. This balance included the $15.00 monthly maintenance fee, a $34.49 late fee for not paying the monthly maintenance fee, and $1.10 in interest. The statement, as the month before, had written on it: “Your Account Is Currently Closed”. Again I called the bank to clarify and I was again told that a representative would not speak to me while my account was not current on payments. Again, I paid the minimum payment, which at this time was $34.49, on August 14, 2013. I was again told that my payment would be credited back to me and that the additional fees and interest would be taken off of my account.

In September, after having been charged on a closed account with a balance of $0 twice and never receiving any credits back on my account, I checked my Applied Bank credit card statement online and noticed a new account balance of $100.59, including another $15.00 monthly maintenance fee and a $35.00 late fee. I tried to call the bank once again to dispute this, and was once again told that unless I was current with my payments, no one would speak to me. I demanded to speak with a manager, and was again told that unless I was current on my payments, not even a manager would speak to me. I paid the minimum payment of $50.59 in order to speak with someone, and was told that once the payment cleared, I could call back to speak with a manager.

At this point, I am only paying the minimums to be able to speak to personnel who have done nothing but deceive and lie to me. I am concerned about the potential of this negatively impacting my credit score, as well as the potential financial implications on my family and children if I have to keep making minimum payments on a closed account for monthly service fees. Applied Bank has proven incapable of handling their day-to-day operations as it pertains to my account and I would like the Revdex.com to help me clear up their mistakes. I can provide all bank statements that support the information outlined in this letter. I thank you in advance for your assistance in this matter, as it has been nothing but a headache and a scam for myself and my family.Desired Settlement: I would like for Applied Bank to permanently close my account as to not charge me anymore monthly maintenance fees, remove all balances on my account that have been fraudulently charged by this company since the closure of my account, refund me in the form of a personalized check the last three minimum payments that I have made on their fraudulent charges totally $103.88, issue an apology addressed to my family and me for the inconvenience and malpractice of their company, and to never contact me again once this issue is resolved.

Business

Response:

October 8, 2013 [redacted]

I am writing in regards to your September 23, 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 8, 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 was notified by email on 7/18/14 by Applied Bank that they placed a hold on my card as they needed to verify information. I replied to the e mail and they did not respond. It is difficult for me to call during work hours and they have no representatives available in the evening. I phoned on 7/24/14 and a representative informed me my account had been "compromised" and she asked if I made the listed purchases and I said yes. I informed her there were no unauthorized purchases made to my acct. She would not provide any further information and transferred me to someone she said could provide more information. Upon being transferred to the next representative, she asked if I was calling to report my card lost or stolen. I responded, no your company is informing me my account was compromised and I have the card in my hand. She informed me they canceled my card and would issue a new on in 7-10 days. She provided no other information. Today I note they transferred my balance to a new acct. and actually billed me $30.00 for a card replacement fee.They did not inform me there would be this charge and I never reported my card lost or stolen.This entire issue was initiated by the credit card company with absolutely no evidence provided to me about any unauthorized transactions on my acct. except for this current $30.00 card replacement fee that they have billed to my account.Desired Settlement: apology, immediate reversal/refund of $30.00 replacement card fee applied to my account, specific information to support their assertion that my card or account was "compromised" how was it compromised,by whom, when?

Business

Response:

August 5, 2014 I am writing in regards to your July 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 August 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.

Sincerely, [redacted]

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.

The fees for this card are ridiculous and the customer service is terrible, from the representatives to the supervisor. I am closing my account and would never recommend this card to ANYONE!

Review: Applied Bank continues to list an incorrect and false account on my credit without validation. I have disputed the validity of this account on 3 separate occasions and have yet to receive validation per FCRA requirements (not just my name, address, and social security number as this information can be obtained simply by going through my trash). It is for a credit card opened fraudulently many years ago that was in my name. It continues to negatively update and affect my credit which is preventing me from obtaining future credit. I have been nothing but professional with this company and even asked for preventative solutions to get this account removed. They refused that the account will continue to report as disputed and that negatively affect my credit. I have seen other complaints people have filed on this company - mine may seem small in their eyes but this is literally ruining my life. I have even paid this account when was promised it would be deleted and it yet STILL remains.Desired Settlement: I would like this account removed.

Business

Response:

August 19, 2013

Revdex.com of Delaware

60 Reads Way

New Castle, DE 19720

I am writing in regards to your August 6, 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 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.

Review: I recently closed my credit card account I had with Applied Bank by paying 100% of the balance due. I then received a bill in the mail as a result of going over the credit limit prior to closing the account, so I called the customer service number and paid that amount as well, however because this bank charges a fee to make payments, I now have another amount due of $6.95 cents.

I called to request that this amount be waived and the customer service rep said there was no way She could waive the fee, I would have to send something in writing, or pay the fee by using the online pay system, which would charge me a fee of $ 10.95 just to use that service! That to me seems so unfair and excessive, I really feel like I have been fleeced and taken advantage of, and I just want this account to go away!Desired Settlement: If someone would contact Applied bank on my behalf and request that they waive the $6.95 fee incurred from using their bill pay, I would greatly appreciate it!

Business

Response:

November 20, 2015

I am writing in regards to your November 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 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 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]

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: After reviewing my billing history for my account under: [redacted]) I discovered that there were two hidden fees added to my account during 2014. One is an 'Account Protection' fee,, (which is not even classified as a fee but listed in the same section as purchases on the account) - this fee is 95 cents per dollar. The second fee is a monthly maintenance fee of $9.95 that was not including in the original card agreement that I received when I opened the account. Also, the online account services portal does not provide credit card statements past a few months, making it impossible to do a history review and find any other erroneous fees.Desired Settlement: I'd like to have a refund of all hidden fees, and a permanent removal of the charges from my account. Since the nature of the card agreement states that they hold an deposit (non interest-bearing at that) to secure my account, there is no reason to charge additional fees.

Business

Response:

February 17, 2015 I am writing in regards to your February 13, 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 17, 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: Over a month ago I closed my account woth this company abd requested a refund check. I called today asking them to resend my check thinking that since its already over a month since I canceled with them so they will quickly send me another one.. to which they told me it would take another month for them to do so. The reason I canceled my card is due to how they did not qucikly enough handle my dispute last year. They take your money quickly but some kind of a way feel it necessary to take a full month or more to returm it to you. I would not tell anyone I know to every get this card.. theybare not customer friendly. I got the card to just have something to use for internet purchaes.. that was truly a mistakeDesired Settlement: I would like my money back asap and whatever else I can get at this point im so mad.

Business

Response:

July 15, 2015

I am writing in regards to your July 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 July 16, 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: The Credit Card has been canceled for over a year, but I still receive bills and notifications for a active Credit Card.. When I call Applied Bank, they give me the run around, and nothing ever gets resolved. My "New Balance" is $135.00, yet the card has been canceled for about two years now....'Desired Settlement: I would like for them to please close out the account as requested, and make sure this is not a negative mark on my credit report...

Business

Response:

January 6, 2015 I am writing in regards to your December 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 January 7, 2015. 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,