Applied Bank

Review: They are charging me for a credit card and balance with significant interest and late fees for an account I have never activated or used.Desired Settlement: Cancellation of the account and fabricated charges, and cancellation of the account being turned over to a collection agency.

Business

Response:

October 24, 2013 Re: [redacted]:

I am writing in regards to your October 15, 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 24, 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 bank has not corrected the charges on my balance due bill. I DO NOT owe $ 1,256.12 That is a FALSE amount! and not accurate. I have paid a large amount to applied bank through the consumer credit counseling program where )they) paid the payments for me every month. That is the wrong amount applied bank says I owe.Desired Settlement: Explanation of Charges how it got to that amount, and LOWER the balance to the CORRECT amount.

Business

Response:

December 2, 2013

[redacted] I am writing in regards to your November 20, 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 2, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact [redacted] directly.

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

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: Recieved a phone call at 10:00 pm EST from a blocked number. When call was answered it was an automated system trying to recieve payment from Applied Bank. When tried to reach 'live person' system kept returning to option menu. Again time called was 10:00 pm EST. well after normal business hours.Desired Settlement: Would like company to be monitored for other such calls being made. I was under the impression that calls could not be made after 9 pm of that areas time zone. If this is not the case please advise.

Business

Response:

September 24, 2013 Re: [redacted]

Revdex.com File #[redacted]

I am writing in regards to your September 20, 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 24, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact [redacted] directly.

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

Review: I am being charged a returned check fee for a payment made on time in which the payment cleared the bank. Paid on sept. 13th, cleared on the 17th. They claim the bank rejected my payment but my bank has no record of this happening. Now they claim I am behind or late when I made my payment on time, it cleared the bank and my new statement says current. nothing past due. They claim I owe $92 but for what. the fee is for $25 added to my normal $47 minimum payment due which equals $72. I have been trying all week to rectify this and get nothing more than the run around. One day I call and my account is current the next it says late. Whats the deal. I feel they are being fraudulent and charging fees for no reason. They claim to have run my payment thru twice but my bank statement shows once and not returned. I have read hundreds of similar complaints about this bank in which they were charged fees for nothing. How can they stay in business with these shady practices??Desired Settlement: I want fees refunded, my account to show current, this to not show on my credit report and an apology in writing

Business

Response:

October 24, 2013 [redacted]

I am writing in regards to your October 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 October 24, 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:

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 recently notice that there has been a charge on my account which I was not aware of. I recently called the customer service number and asked why there was a charge being implemented on my bill and they failed to provide me a reason of why they are charging me extra fees. The customer service representative whom I spoke to named Abraham at 9:18 am informed me that they are going to send my name to collection agency for $19.78 which was the fee I was being charged for with out my knowledge. I informed the representative I never signed any contract or received any notice of this charge going to take into account. I closed my account with the business because I refuse to allow them to continuously charge me without giving me a reason as to why I'm paying extra charges.Desired Settlement: DesiredSettlementID: Refund

I do not want to pay the $19.78 charge that they have been billing me monthly. I would like to reimbursed the fees that they have been charging me without my knowledge or informing me of such changes taking into affect.

Business

Response:

April 17, 2015

I am writing in regards to your April 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 April 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 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: I dont remember having an account with this company. They refuse to provide proof or delete the account. They refuse to provide the agent for service so I can settle this matter in court.Desired Settlement: Delete the info from my credit file

Business

Response:

March 28, 2014:

I am writing in regards to your March 21, 2014 inquiry concerning M[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 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.

Review: I have been trying to resolve this issue for quite some time. I contact Applied Bank on numerous occasions. On Dec 10, 2013 I was advised by Applied Bank Customer Service to send a fax, with my name, address, account number and signed, stating to close my account, where to send me a check or electronic payment which I have done on 4 occasions. I was told to fax over my request to close account and that should be it and that within 30 days or less I would receive my money. It has not only been over 30 days it has been more than 4 years I have been trying to resolve this issue with the bank. Each time they tell me to send a fax, write a letter and I never get any end result.Desired Settlement: I want my account closed and a refund issued of my security deposit made as I NEVER received my prepaid secure debit card that I had paid for.

Business

Response:

January 28, 2014 I am writing in regards to your January 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 January 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,

Review: They lost my credit card application and will not return my calls and emails and I want my money back & I want my credit card or my moneyDesired Settlement: RETURN MONEY OR GIVE ME MY CARD

Business

Response:

December 5, 2013

I am writing in regards to your December 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 December 5, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact [redacted] directly.

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

Review: I have a business account with Applied Bank. I was unable to utilize their website to pay the bills, so I switched to Bill Pay with my

bank. I noticed a payment kept rolling over...it was about 13 days. I notified the bank as to why the payment was not paid on time. It

seemed I had changed to a new bank account due to a fraud issue, and the bank officer did not input the correct account. So Applied Bank charged me a late fee of $130.I was unsuccessful with them to waive the fee. I made subsequent calls, but the line would switch to a collection company. My bank tried calling several times and were put on hold. I have made all payments, double payments and the account balance has jumped to $656.53 from the original $478. I have not made any more purchases on this account since that incident occurred. So, my $35 payments should have reduced that balance considerably.The collection co. is asking me for full payment.the account is sited on my statements as past due, and the monthly payments I have been making every month is voided out with a $35

late fee.So they have been taking fees of $45.48 per month

I also received a letter from the collection recovery services from [redacted], stating I was in default because I didn't make a

$50 payment they said I agreed to. I never spoke directly to anyone there and NEVER agreed to such.

I really don't understand the high Revdex.com rating; I have been ignored, harassed and thought I'd have to get my attorney on this. Dealing with a credit card company is a simple matter, so I am apealling to you to resolve this.

Business

Response:

November 1, 2013 C[redacted]

I am writing in regards to your October 15, 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 1, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact **. [redacted] directly.

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

Review: I have been a satisfied customer with Applied Bank until I found out my credit card account was carelessly charged off due to the mistake of your customer service representative. I became unemployed November 2012, I was paying for the Payment Protection insurance which is provided for Applied Bank accounts. The insurance company had not made any payments towards my account as of April 2013. I received a call from the Applied Bank collections department on Apirl 9th, 2013, the representative stated my card was due to be charged off the next day if I did not submit a payment that day (April 9th) in the amount of $40. I told her I was working with the Payment Protection program but since they had not paid anything I agreed and did pay the $40 requested to keep my account active and open. I counted to submit payments after this. I assumed as the representative told me my account was in good standing after making that payment. I called the bank in July to check my account balance, as I needed to use my card for an emergency purchase and I was told I had an available balance of $300.00 through the automated account service, subsequently when trying to use my card to my dismay I was declined. I called and spoke with a customer service representative who told me on April 10th my card had been charged off. I explained my conversation on April 9th that I had with a previous representative and was told they had indeed received my payment on the 9th of April. I was told she would have a supervisor listen to the call to verify what I was told. I was also told to fax a letter of the fax to their correspondence department which I did.A week later I spoke with a [redacted] ext [redacted] who states he in fact did listen to the call, and the representative did tell me everything I claimed she did. In addition he said the reason they went ahead and closed my card was because she had me pay the wrong amount, but he agrees that it was $40 she said I needed to pay and that it was no fault of my own that this account had been closed. This conversation took place on August 1, 2013, at 10:29am. However, he says that the only thing he can do is report to the credit agency that my account was not charged off but first I needed to pay the balance of $137 to close out my account because my account was charged off. I should not have to zero out my account if my payment was properly applied to my account it would still be open and I would still be paying my regular monthly minimum of $35. He said that I would have to take that issue up with the bank. I responded that my account should have never been charged off so I shouldnt need to pay the card off in full if my account was still open and not inadvertently closed. I also find it unacceptable that he agrees to report to the credit agencies that my account was not charged off, and then charge me $137 because my card is charged off. The resolution I am seeking is a new credit card with my current balance and credit limit. Also I need the adjustment made to the credit bureau that my account was not in fact charged off. In addition, [redacted] told me it was my own fault that I had waited to so long to deal with the mistake that happened months earlier. I choose to use my credit card for emergency purposes only which should be acceptable to Applied Bank. Hence I had not realized the issue until July or I would have inquired sooner.Desired Settlement: A replacement credit card account with my same balance and credit limit. information sent to the credit bureau showing my card has not been charged off.

Business

Response:

August 19, 2013

Revdex.com of Delaware

60 Reads Way

New Castle, DE 19720

I am writing in regards to your August 7, 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 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 authorized an electronic check payment for the amount of $1040. Come to find out, the account number of my bank account was entered incorrectly on the website. I was charged a $35 return check fee by applied bank. I called to inquire about this fee which was when I learned of my error. I informed the representative that the account number was entered wrong and asked to update the payment information with the correct information. I was told that could not be done. I then asked why this payment was being attempted again when the fact is that it would be returned again. I was informed that this is automatic and could not be cancelled. As expected, the check was returned again and I was charged another $35 by applied bank. This is absolutely ridiculous! If the check was returned on the 1st go around then this check should be rendered void and unable to be resubmitted without my express authorization. At no time under service with applied bank was I ever made aware of this practice of re-submitting returned checks and incurring extra return check fees on account of this practice. In conclusion, I was charged 2 returned check fees for a transaction that I only once authorized while applied bank took it upon themselves to re-submit a check that was already returned but yet still charge me for their decision to re-submit. The correct practice would be to contact me, the customer, when the check was returned and ask if I would like the check to be re-submitted. I truly feel that applied bank is engaged in a business of usury and I am completely flabbergasted that Revdex.com has actually gave them a good rating. Their fees are exorbitant and their customer service is incredibly poor. A credit card company should not be praised for extending credit to people with below average credit and then charging them excessive fees and interest without good quality customer service. Applied bank is truly taking advantage of the most vulnerable people in our society without so much as batting an eyelash. The Revdex.com should in no way condone the behavior of this company and they should accurately rate them as to give a heads up to anyone even contemplating becoming one of their customers.Desired Settlement: I would like applied bank to refund me any charges or fees related to the re-submission of an electronic check that was originally returned. I can understand paying one returned check fee but paying for 2 returned check fees when I only authorized a single submission is outrageous. I did not authorize any payment aside from the original payment entered on the website. Any other re-submission of this payment and fees related to such should fall solely on the shoulders of applied bank since they took it upon themselves to re-submit a check that has already been returned and claim they have no way to stop these re-submissions from occurring.

Business

Response:

February 9, 2015 I am writing in regards to your January 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 February 10, 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: I paid my account in full on December 29, 2013. I called and closed the account because I noticed they were charging me 9.95/month for maintenance fee and also 6.95 per month for online payment fee. I told them since I had a zero balance that I would just close the account instead of paying those fees. In January, I got a bill for 13.68 for these fees plus 3.73 interest charges. I called again and explained I wanted these charges removed and my account was closed. I went ahead and paid the 13.68 and explained again that I didn't think that was fair. Today, I get another bill for 17.40 (fees plus interest charges). I called them and can't get any satisfaction. I don't feel I should keep paying these charges and if I don't they will send information to credit bureau. How can they legally do this if I closed the account??Desired Settlement: I want my fees for the last 2 months refunded and I want this account closed... They shouldn't be allowed to put charges on a closed account.

Business

Response:

February 21, 2014 I am writing in regards to your February 20, 2014 inquiry concerning [redacted] The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

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

There fees are unreal!!! Closing my acct with them!

Review: I called Applied Bank to have my secured credit card cancelled and requested that my deposit of $500 be returned. The representative that I spoke with put me on hold as if she had no clue on what to do. When she got back on the line she told me the account was closed effective immediately. I asked her how and when will I receive my deposit back. Her response was, you will get your money credited back to your checking account within 48 hours. After one week I never received a credit so I called back again. This time I was told by one of their representatives that I will get a check in the mail within two weeks. It has been almost a month and no check. I have no idea how they can instantly take my deposit but to get it back is near impossible.Desired Settlement: I want my deposit of $500 back now!!!

Business

Response:

February 27, 2015

I am writing in regards to your February 24, 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 February 27, 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: I select applied bank for starting my business credit card there was a $300 limit. I went to pay in August 25 2013 at 11 am in the amount of $341, with a representative of there's the funds were never processed and then a month later I receive a $600 invoice when I only spent $186 of the $300 limit. There fees are ridiculous and it is very hard to speak to a representative about your bill. I have tried to resolve this and would like my card card to be fixed because that is their representative error not mines.Desired Settlement: I would like for those additional interest to be forgiven and start me back where I was in August 2013 because that is unfair and unethical. I would also like a call to connect with a human and discuss this matter further.

Business

Response:

January 30, 2014 I am writing in regards to your January 27, 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 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.

Review: Why does Applied Bank takes so long to update a payment on an account when it shows that a payment has been made long before they do post it. (5 days or more).

Maybe to get more charges or play around with that money for their own benefit before we can use it?,Desired Settlement: If they have the money in the account just post it. Don't wait that much.

I have other credit cards that as soon as I make a payment it's there right away.

Business

Response:

November 6, 2013

[redacted]:

I am writing in regards to your October 31, 2013 inquiry concerning [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with [redacted] on November 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 had an Applied Bank credit card for a couple of years, I have always paid on time, and now that I requested to close the account Applied Bank is trying to nickel and dime me for all types of made up fees. I made my last payment on time on February 12th and Applied Bank charged me a late fee of $35 and when I call them to get a courtesy because I paid on time the very rude representatives said that Applied Bank does not only not offer any courtesies but I would have to pay the $35 before they would close the account and even after closing the account Applied will still charge me something for March, 2015 even with my $0.00 balance. Not to mention that I already paid my entire balance in full January, 2015 leaving a $0.00 balance coming into February, 2015. I then spoke with an extremely rude supervisor and explained to her at this point I simply need the account close so I would go ahead and make the so called "late fee" payment even tho I was not late to simply close the account in peace and be done with Applied Bank and put it all behind me. This so call supervisor assured me that I would not have to pay the $10.95 payment fee in addition to the fake late fee but when I checked my account she charged it anyway. I don't have a clue why a bank that I always paid on time would opt to treat me so unfair just because I tried to close my account. This is the first bank that I've dealt with that made up a bunch of fees so to make it difficult to close my account permanently because they continuously add on fees to a closed account with a zero balance. Applied Bank is now determined to charge me $21.40 plus $10.95 fee for March when I should have no charges because I already closed the account with a zero balance since January 2015. I would like for Applied Bank to properly close my account and give me back my $35 late fee plus the $10.95 fee that the representative promised I would not have to pay but charged to my debit card anyway. I also would like Applied Bank to respect my closed account and not charge me in the month of March when I had a zero balance. I know I have been a great customer to Applied Bank and I would only ask the same in return.Desired Settlement: I would like for Applied Bank to respectfully close my account and refund the fake $35 late fee plus the $10.95 fee this so called supervisor promised not to charge and not charge me for the month of March when my account was closed and I had no balance. I asked that you please respect my decision to close this account and conduct yourself in a professional manner.

Business

Response:

March 12, 2015

I am writing in regards to your March 6, 2015 inquiry concerning Ms. [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with Ms. [redacted] via written correspondence mailed on March 13, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. [redacted] directly.

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

Sincerely,

Review: I called to find out why my bill was so, high because I tended to make my payments on time. I recv an email to pay 31.48 dollars somewhere around there. I pay 40ty to cover myself.I recvd another for 133.00 next month. no one really tried to help they just said will this is what you pay if you go over your spending limit, which I was unaware of. I believe they said 12 bucks. I normally recvd calls when I am late, but no never called they just continued to allow the bill to go up with fees on top of fees.. They call now, I advised I have been paying more then my bill which is normally 30dollars...I told them I paid what I was told to pay...they said you should have read your billing statement. I owe more fees then I do for a payment which is horrble.. I tld them my payment is not late you are continusly adding fees.. no help at all . basicly pay these fees period. this is your fault not ours, but yet they understand is what was advised to me. oh yeah this is a business credit card.Desired Settlement: adjust bill from fees so I can pay it off, this is sad

Business

Response:

November 26, 2014 I am writing in regards to your November 6, 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, [redacted] Executive Correspondence

Review: This bank has continued to report to the credit reporting agencies on an account that they have not provided verification on, money owed, or date of last activity. This is an account that is beyond 7 years old.Desired Settlement: The statute of limitations requires that this erroneous account be removed from my credit reports.

Business

Response:

November 11, 2014 I am writing in regards to your November 7, 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 12, 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: On 03/20/2013, I have opened a visa card account with Applied Bank and since then, I have been on a good status with them. On 05/2013, I have asked them in writing to review my account for possible increase in credit limit and/or lowering the interest rate , on May 22, 2013 [redacted] the vice president of customer service department sent me a letter , saying you account has been closed and you need to cut all the cards and no use them anymore. I have not asked them to close the account after one year being in a great status with them and now I have lost my card and business with them. I believe Bankcard Service Center AKA Applied Bank, did not represent a good business service with me, their attitude toward me was not professional , and I will fight for what is right .Thank you.Desired Settlement: I am asking Bankcard Service Center to reinstate my membership with full credit and a lower interest rate is in order.

Business

Response:

August 19, 2013

Revdex.com of Delaware

60 Reads Way

New Castle, DE 19720

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 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: