Applied Bank

Review: on July 27th and August 27th there were 4 charges total including $72.85 and then when I disputed the charges they blocked my card and re-issued card and charged me $30.00 to re-issue...

They have been faxed several times including a police report and FTC Affidavit along with a conversation with the rep from Live Carrers stating they would like to refund my money....Desired Settlement: Please re-issue credit totaling $102.85 to my account along with any finance charges!

Business

Response:

October 17, 2013 C[redacted]

I am writing in regards to your October 10, 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 17, 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 credit card number was compromised and used fraudulently. Per the banks policy they issued me a new card. I was subsequently charged a $30 card replacement fee. This fee was charged in error as the card was not lost but, used fraudulently through no fault of my own. I did not request the card replacement but, was simply issued one because of the banks policy.Desired Settlement: I would like a refund of the $30 card replacement fee.

Business

Response:

September 4, 2013 Re: R[redacted]

Dear [redacted]

I am writing in regards to your August 26, 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 4, 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: Applied Card Bank is violating the FCRA by continuing to report a debt that is over 7 years old to the major credit bureaus. Under the FCRA guidelines, the reporting period begins when a debt goes into default / delinquency with the original creditor or a third party, not when the last payment was made.

Applied Card Bank (which was the name when I opened the account) is reporting a date of 2009, which is when they claim the last payment was made, not when the account began its delinquency. The reported closed date of said account is 5/2007; which means this account would have originally went into default prior to this date. The account was in default in 2006. Based on these dates and the FCRA 7 year reporting guidelines, this account should have already been removed from the credit bureaus.

I have disputed with the credit bureaus also due to the prolonged reporting by Applied Card Bank.Desired Settlement: Applied Card Bank needs to cease and desist any collection activity and immediately remove this debt from all the major credit bureaus.

Business

Response:

August 18, 2014 :

I am writing in regards to your August 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 August 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.

Sincerely, [redacted] Executive Correspondence

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 established a secured card with the said company in order to rebuild credit and I closed my account after I had multiple payments made on my account to increase the limit I was then advised that I had those payments sent to the wrong department they were suppose to go to a department for my security deposit well by this time all payments had posted and my account was red flagged for the multiple payments at this point I was told I would have to wait 30 days until my payment clears as of today I have been waiting 3 month's and have not received a dime of my money back.Desired Settlement: I am requesting a refund for my security deposit of $2100.00 plus my credit balance of $7410.45 in the form of a cashiers check or bank draft I have been waiting on these funds since September.

Business

Response:

November 24, 2015

I am writing in regards to your November 9, 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 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.

Review: In August 2015, I opened an account with Applied Bank (Business Credit Card).

I have yet to receive any transaction history what so ever, or a break down of the charges on this account so I can verify validity of any charges. I have never been able to access my transaction history via their online banking portal. Applied Bank has sent me an invoice stating that my account is over the limit in the amount of $146.00. I contest the validity of any charges that are ongoing, and I have been provided no transaction itemization of any kind. Upon further review of this company, I have found that this may be common practice with Applied Bank as allegations are swirled over the internet that are similar in nature. It is my contention that Applied Bank intentionally does not provide transaction history for reasons of charging excessive interest, and fine print fees.Desired Settlement: Because of the amount of harrassing phone calls I have received from this company, and after numerous requests with their representatives to provide me access to my transaction history via their online portal or through U.S. Mail, I am seeking that this account is absorbed by Applied Bank, and Closed out with non-reporting to the (3) Major Credit Bureaus as their neglect in providing me, their customer, an invoice breakdown and reasonable remedy to bring this on going to matter to a close. I am seeking the entire balance of "$612.22" be absorbed by Applied Bank, and the account closed with non-reporting.

Business

Response:

October 9, 2015

I am writing in regards to your September 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 October 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 been trying to get my account settled with AppliedBank since April 2014. I had not used my card since 2013 due to not ever being sent an updated card. In addition prior to the Annual Fee in April 2014 I carried a zero balance. Once I made contact and this charge was explained to me I moved forward with paying the balance. After my most recent conversation with AppliedBank which took place in July my account was made current by paying $42. I made a payment while online with a representative. I have been trying to contact a representative after realizing I have been hit with yet another late fee. My May statement which was due in July was paid in full on 6/6/14. I called requesting my late fee which was posted to my account on 6/5/14 to be removed. After assuming this was taken care of I was hit with another late fee of $35 on 7/5 realizing that I received another charge I made a payment on 7/7/14 to give me time to discuss with the company their unfair practices while trying to recoup the money I had to pay out. On 8/5/14 I was hit with another late fee and as a result paid that bill on 8/6/14. My frustration is mainly in part because I do not use this card at all. I do not have a physical card in my possession yet since the initial Annual Fee was assessed in April I have paid a total of $183.50 in fees. I that their unethical practices of posting late fees on the date the bill is due had to stop! I have copies of my statement which show the fee assessed on the due date. Not to mention it takes an average of 15 minutes to get through the automated system before you can speak to an actual person.Desired Settlement: I would like the current balance that has come from frivolous late fees to be removed and that I be absolved from any responsibility. In addition, I would like my account to be closed without any repercussions to my credit report as well as my intial $200 used to open the Secured account returned to me immediately. I would like no further relationship with applied bank.

Business

Response:

September 16, 2014 I am writing in regards to your September 8, 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 17, 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.

Review: I opened a credit card account with applied bank and payed a $200.00 fee. My issue is that I made all my minimum payments on time but was charged over the limit fees for 3 to four consecutive billing cycles. When I checked their automated balance it would say (for instance) $22.00 available credit for purchases. I would make a $12.00 purchase and the next day they would immediately impose their interest and say I was over the limit and charge a $35.00 fee. This interest didn't kick in on a 14 day billing cycle but would kick in as soon as they saw I made a purchase. Even 1-2 days after my payment had just posted to them. None of my other credit cards consider or charge me over their limit if it's their interest or finance charge that puts me over the limit. I closed my account with Applied Bank in May 2013. They continue to charge me, in addition to their interest a $9.95 monthly maintenance fee.Desired Settlement: As I made all my payments on time and still am making scheduled payments on the account I would like my over the limit fees credited back to the account to help me expedite paying off the remaining balance.

Business

Response:

August 12, 2013 I am writing in regards to your August 2, 2013 inquiry concerning [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with [redacted] on August 12 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 been a member with Applied Bank for over 3 years; as a long standing member of this institution I have been distraught with the level of customer service I have received. I have numerous issues with this company and I would not recommend their services to anyone.

1: I have not received my monthly statements for over 7 months, every attempt I have made to resolve this with Applied's customer service department has been completely unhelpful. I have placed numerous calls and each time the representative stated they did not know or were not aware of the solution to the problem citing an issue with the postage delivery on my end. However when I contacted the post office they stated that they had never received or returned any statements. This predicament has required that I submit my monthly bill online, for fee of $10.95 per transaction however. My job requires me to travel out of the country with some frequency and a reliable internet connection is not always definite, this has resulted in many late fees. When I called and explained the situation to them Applied stated that I had to file a written appeal if I wished to be reimbursed since they lacked a department to handle this matter over the phone or internet. This is completely unheard of.

2: I lost my credit card November 18, 2014 I called and requested a new card and was charged a $30 fee. As of today March 3, 2015 I have yet to receive a replacement card. I have requested a card a total of 6 times now, each time I was charged the $30 fee without receiving the card. When I spoke with supervisor they were powerless to resolve this issue. I even changed my address on file hoping this would solve the problem. I also sent a written appeal by fax for reimbursement of the fees, Applied claimed not to receive the fax.

Never in my experience has a bank ever been so negligent or down right disrespectful. They have wasted both my time and money and I would not recommend this bank to anyone.Desired Settlement: I would like to be reimbursed for the fees I have been wrongfully assessed and a timely solution to my credit card and statement delivery.

Business

Response:

March 20, 2015

Ms. I am writing in regards to your March 4, 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 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,

Review: I have 2 prepaid credit cards unused , I spent 700.00 on. I went to use them they came up declined, the other says I have used and turned into credit report [redacted] late... ihave both cards here never been used on the original papers. these vwere purchased for emergency..xmas expired 9/2015Desired Settlement: I need this off my credit report, I would like a prepaid card for $700 that reports, as these were purchased to help build my credit. they have my money and their making my credit worst. I have these cards on their original papers. they have never been used.

Business

Response:

December 17, 2014 :

I am writing in regards to your November 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] via written correspondence mailed on December 17. 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: A customer service representative with applied bank cancelled my card after a call and the bank is refusing to reopen the account. The account was cancelled without my knowledge or authorization.Desired Settlement: I would like the bank to correct their mistake and reopen the account.

Business

Response:

October 13, 2014 I am writing in regards to the September 23, 2014 inquiry concerning [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with [redacted] via written correspondence mailed on October 13, 2014. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact [redacted] directly.

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

Sincerely,

Review: Payments on a Applied Bank account, opened in on a Business Card have been made on my behalf over the past year. Despite payments being received on time, when checks were mailed, they were charged a return check fee, and subsequently accepted. Late payment fees were subsequently added along with this, as well as other excessive fees and unauthorized charges. I reported the card as stolen, because it was not in my possession, and had obviously been stolen and fraud was being done, and no resolution has been solved. I have filed a complaint with the FDIC. The fees and charges on this account, are 99% of the balance, as very few authorized charges were ever made on the account from the start.Desired Settlement: I want the account to be closed, and a refund allowed under federal law.

Business

Response:

September 15, 2014 I am writing in regards to your September 11, 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] on September 5 and 15, 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 have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Review: On July 15 I called Applied Bank abt my credit card to find out why latest payments on acct had not resulted in my credit balance going back up to be able to charge. I was then notified in a subtle way with no explanations, & no info hardly given that this was a [redacted] breach card. That's all. I wasn't given dates, possible statements to check back on for unauthorized charges, or anything else. I was upset because they hadn't even shut my card down. They said they had sent an email. Just an email.

My complaint is against applied banks practices and service being that they should have shut my card down right away and mailed out a new one. They also should've contacted me directly and not just through email, especially because I had just made two large payments on the acct. I'm also putting forth this complaint because the customer service was not forthcoming, almost seemingly hiding what had occurred supposedly a month before and had been occurring for 9 months! ( I had to google the article abt a breach to my credit card number).Desired Settlement: I want top management to rectify this problem so I feel comfortable remaining with this credit card company/bank in the future. These are secured funds so I especially want to ensure my data is safe and that any breach would result in a shutdown immediately. Now I have to wait 7-10 days to receive my new card and allow for purchases, when the card should have been shut down on June 10,2014 according the news articles.

Business

Response:

July 30, 2014 I am writing in regards to the July 17, 2014 inquiry concerning [redacted]. The inquiry was referred to me for review and response.

We have addressed this matter directly with [redacted] on July 30, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact [redacted] directly.

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

Sincerely,

Consumer

Response:

Review: I recently discovered that in addition to the outrageous 29.99 percent APR and annual fee, Applied Bank have been charging me $15 a month for several years. I called their customer service department and was immediately told that a refund was out of the question and good luck trying to find someone in the company who cares enough to assist. Their agents even used profanity and hung-up on me several times. Indeed, it seems impossible to get a response from anyone at Applied Bank, because I have emailed every executive in the company and no one has responded. (see below) I took to the internet and read some of the negative reviews from other customers, and find it appalling that Applied Bank is allowed to operate with such blatant disregard for consumer laws and customer satisfaction.

-----------------------

To: [redacted] Crowley, COO, [redacted] Executive Correspondence

Sent: Tue, Apr 1, 2014 3:54 pm

Subject: Re: Fees on Acct Ending in 3505

Dear folks,

I recently discovered that in addition to the outrageous 29.99 percent APR and annual fee, you have also been charging me $15 a month for several years. I called your customer service folks and no one could explain the fees or even attempted to issue a refund. Matter of fact, they were very rude, impolite and obnoxious. When I told them that I may file a complaint with the Revdex.com and Attorney General's Office, they cursed at me and abruptly hung-up the phone. I am hereby appealing to you to issue a full refund, so I wouldn't have to take the matter further.

I await your prompt response! [redacted]Desired Settlement: I am seeking a full refund of over $1000.00.

Business

Response:

April 15, 2014 I am writing in regards to your April 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 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:

Review: I applied for a secured credit card with the idea of bettering my credit, the company implied that after 1 year the card balance would become unsecure and my credit limit increase by $200. Without my knowledge or without notifying me applied bank TOOK $50.00, I then phoned the customer service department requesting a copy of my agreement to my dismay to this day I have not received any documentation and the company is still sending me bills, my money mind you, I need NO ONE to hold my $Desired Settlement: I'd prefer BOTH a Refund and that they close my account without causing DAMAGE to my Credit report nor my Credit Score. I'd like written documentation, noting the card closed without prejudice such a statement placed with ALL 3 credit reporting agencies along with 1 for My records.

Business

Response:

February 4, 2014 I am writing in regards to your January 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 February 4, 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 allowed a fraudulent account to be set up under my social security number and I just received a "charged off" billing statement in the amount of 744.89 and a statement from Account Services Collection Agency saying I owe 1462.62. I DONT OWE EITHER COMPANY ANYTHING. Understand this is one of various accounts set up fraudulently and a few of them were cautious and attentive enough to prevent the identity thief from obtaining credit under illegal means through them and thus driving their companies into potentially unrecoverable debt. The statement was signed by the "DISPUTES DEPT" so obviously I already disclosed that I never set this account up nor had knowledge of it. I don't deserve to be held accountable for the mistakes of your company and its associates who are clearly so sales driven that anybody can set up account using inadequate and false information without proper identification.Desired Settlement: REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY. "CHARGED OFF" IS NOT ACCEPTABLE. 7 YEARS IS TOO LONG FOR MY CREDIT TO BE CLEARED AND FOR ME TO WAIT TO OBTAIN CREDIT WHEN YOU HAVE ALREADY ALLOWED A THIEF TO RUIN MY CREDIT AND CONTROL MY LIFE AND FINANCIAL STATUS IN LESS TIME THAN THAT. TRAIN YOUR ASSOCIATES ON FRAUDULENT ACTIVITIES SO THAT THEY WILL BE SHARPER AND MORE ALERT WHEN SETTING ACCOUNTS UP SO THIS ISSUE WILL NOT AFFECT ANYONE ELSE.

Business

Response:

January 3, 2014 [redacted]I am writing in regards to your December 26, 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 January 3, 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.

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. I will respond if proper steps for resolution are not taken once I submit my affidavit etc

Review: Transitioning from Active duty to civilian called and asked for some repayment assistance and interest rate assistant.Was told not program available. I called customer service and spoke with a representative and a supervisor. regarding my situation from being Military. I have been a customer for years and never had an issue with my account or payments. I am transitioning from active duty to civilian personnel.I called for some temporary assistance on either monthly payment or the interest rate. They informed me that there was nothing they could help me with. I told them I find it hard to believe, because I have contacted my other creditors and was able to receive assistance. they lowered my rate and payments until I transition from military to civilian. I find it very disburbing that after serving our country and had been deployed for over a year . that us military personnel come home to a heartless company with no compassion regarding our personal military life. I am speaking in behalf of out the customers that they have that are military and are being treated this way.Desired Settlement: I am seeking that APPLIED BANK allows us to have a repayment plan and have a lower interest rate during the time that we are transitioning from military to civilian life. it is not an easy transition. other real credit card companies have assisted me. then do they say they can not?

Business

Response:

November 26, 2014 I am writing in regards to your November19, 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 November 28, 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: Regarding: Account No. [redacted]....

APPLIED BANK

PO BOX 10210

WILMINGTON, DE 19850 [redacted] To Whom It May Concern:

I am writing a letter about my experience with Applied Bank that is a mixture of a grateful "thank-you" and a pressing request concerning a $495.00 Charge Card tradeline in my credit files that I would like to have revised.

I received the Applied Bank card in 2010, several years before I became unemployed, which later led to my wife being injured in a serious car accident, losing a leg and 2 fingers. She later married someone else, taking my 4 children from me. I have since been unemployed/downsized since 2011, evicted, and am living in a homeless shelter and receiving government assistance. These last 3 years have been the lowest point of my life. I’ve never relied on food stamps to make ends meet. When I experienced this terrible hardship, I became disorganized with respect to, as you saw, making timely payments with your company. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my credit worthiness since that time.

To be honest, that year was a wake-up call for me regarding fiscal organization. As a former Account Manager of a Cable company, I know what it means to pay on time. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the Applied Bank card late entry -- are excellent. I wish to soon return to prominent status with your organization and I am determined to keep a spotless record once my life is back on track.

I am now on the road to recovery and have since interviewed for many jobs, and it has come to my attention that the derogatory notations from your trade line has prevented me from taking full advantage of the very right that any American citizen finds success and confidence in having – a job.

Since those notations do not reflect my current life changing situations, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a "goodwill adjustment." I sincerely hope that there is redemption at Applied Bank, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.

Very hopefully yours, [redacted]

Business

Response:

November 14, 2014 [redacted] I am writing in regards to your November 3, 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 November 17, 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]

Review: Please also see attachment.

Translation:

I don't have any account with Applied Bank. On 06/05/13 I reported the charge to the sheriff's office and they said I don't have do anything because I don't have any account. Case [redacted]. This is a case of identity theft.Desired Settlement: Stop bothering me by phone and in this case submit proof of some account for myself.

Business

Response:

February 24, 2014 I am writing in regards to your February 10, 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 24, 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 an applied bank secured credit card for $200. I was contacted by them to make a payment as part of their "Fresh start" program and in return they would update the credit reporting agencies as paid as agreed never late. I made the payment as instructed. However they are reporting me late to Transunion and Experian. The account does not show up on Equifax.Desired Settlement: Delete the applied bank trade reference from my Transunion and Experian credit report.

Business

Response:

June 16, 2014 I am writing in regards to your June 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 June 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 [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.

Review: I called to pay off my bill and the company settled for $420 but they said at first that they didnt settle for that amount and then they they told me that they did settle for that amount and sent me a letter saying the bill had been paid in full and then I got a bill from them last ing week sayin that I owed them another $466. When I called about it they said that another comp[any handled this matter and to call them and when I called the other company they said it was Applied Bank that I needed talk to so I called Applied Bank back and they requsted the letter that the other company had sent me.Desired Settlement: I want this settled for the $420 that they agreed to and I want this removed from my credit report.

Business

Response:

January 6, 2014 [redacted]I am writing in regards to your December 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 January 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.

Consumer

Response: