Applied Bank

Applied bank makes sure they collect late charges by not allowing any payments toward payment due from the payment due date to the 2nd of the next monthFor me that is a week that they have their own period of grace that allows them to collect late feesAfter years of being a card holder, this is the time to close it out
I will warn anyone to stay away from applied bank

the only options for speaking w/an actual customer service representative are none that I needed and the times they are available are not convenient for mehow can they have an A+ rating?

There are charges on my account from an online, Asian company selling clothing They company uses at least names and have many complaints on Social media about them (Yaever & 2SBest) I have not received any merchandise from them After reading the many scam comments about other customers not receiving merchandise, I tried to cancel my orders I emailed, texted and posted to their Facebook comments section at least a dozen times NO RESPONSE!
These charges are on my Applied Bank VISA card I have been trying to reverse these charges for almost a month I called but was told they could not reverse or review over the phone and I would have to complete their dispute I would take at least business days to receive the form I immediately did so and faxed the completed forms to Applied Bank On June 14, 2018, I called the dispute department to inquire about the status of my reversed charge request Left a VM for *** ***, the employee handling my dispute

June 10,
I am writing in regards to your May 31, follow up inquiry concerning MsJessica ***The inquiry was referred to me for additional review and response
We have addressed this matter directly with Ms*** via written correspondence mailed on June 10,
However, in order to protect our customer’s confidentiality, we are unable to provide you with the detailsFor further information, please contact Ms*** directly
Please contact the Executive Correspondence department Toll-free at *** *** *** ***, between the hours of 8:AM and 5:PM Eastern Time should you have any further questions regarding this matter
Sincerely,
*** *** *** ***

September 25,
I am writing in regards to your September 8, inquiry concerning Ms*** ***The inquiry was referred to me for review and responseThank you for bringing this matter to our attention
We have addressed this matter directly with Ms*** via written
correspondence mailed on September 26, However, in order to protect our customer’s confidentiality, we are unable to provide you with the detailsFor further information, please contact Ms*** directly
Please contact the Executive Correspondence department Toll-free at *** *** *** ***, between the hours of 8:AM and 5:PM Eastern Time should you have any further questions regarding this matter
Sincerely,
*** *** Executive Correspondence

September 26, I am writing in regards to your September 16, inquiry concerning *** *** ***The inquiry was referred to me for review and responseThank you for bringing this matter to our attention
We have addressed this matter directly with *** *** via written
correspondence mailed on September 29, However, in order to protect our customer’s confidentiality, we are unable to provide you with the detailsFor further information, please contact *** *** directly
Please contact the Executive Correspondence department Toll-free at *** *** *** *** Monday thru Friday, between the hours of 8:AM and 5:PM Eastern Time should you have any further questions regarding this matter
Sincerely,
*** *** *** ***

January 29,
I am writing in regards to your January 18, inquiry concerning Ms*** ***The inquiry was referred to me for review and responseThank you for bringing this matter to our attention
We have addressed this matter directly with Ms*** via written
correspondence mailed on January 29, However, in order to protect our customer’s confidentiality, we are unable to provide you with the detailsFor further information, please contact Ms*** directly
Please contact the Executive Correspondence department Toll-free at *** *** *** *** between the hours of 8:AM and 5:PM Eastern Time should you have any further questions regarding this matter
Sincerely,
*** *** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
This matter has not been resolved My husband is in contact with a *** *** *** *** who said he is the Executive Correspondence at Applied Bank and promised to provide some type of disclaimer as to why they increased my APR to percent and replaced the $annual membership fee with a $per month charge MrFletcher said he cannot email the document, so we are waiting for a copy via snail mail to take to the next level We believe Applied Bank is very deceptive and will be challenging the legality of their business practice, once the document is received Please see below for my email dialogue with *** ***
--------------------------------------------------------------------------------...⇄ ***
*** *** ***
Sent: Tue, Apr 15, 10:am
Subject: Re: Your Revdex.com Inquiry
Thank you for your prompt response to this matter If only your customer service agents and executive personnel were as courteous, responsive and efficient Per your conversation with my husband, we are awaiting a copy of the disclaimer you mentioned that drove the APR to a whopping percent and replaced the $annual membership fee with a $per month charge, to take it to the next level As he indicated, we find your company's business practice highly questionable and will be reaching out to the Banking Authority and Attorney General with that "disclaimer" for their take on the matter If you cannot email it, then kindly expedite the mailing of a hard copy
*** ***
*** *** ***
*** *** ***
Sent: Mon, Apr 14, 9:am
Subject: Your Revdex.com Inquiry
*** ***
I am writing in response to your April 10, 2014, inquiry to the Revdex.com I would like to discuss your concerns with you at your earliest convenience I can be reached at the number and extension listed below I am available Monday through Friday, from 8:AM until 5:PM Eastern Time.
I look forward to hearing from you.
*** ***
*** ***
*** ***
*** ***
***

I am demanding original signed agreement and complete account info including late fees and dates of late payments.All records of entire account

I have paid off my balance on my credit cards with this Institution, however they process every month a $recruitment payments that had set up when that is a balance dueI called customer service to report my disagreement and they didn't solve the problem and yet they just took another $on 04/01/2016, as of right now they owe me money being that I have no balance dueThis is awful and they system is so difficult that cant even cancel anythingI want my funds back to my checking account

To begin with my wife contacted Applied Bank in August concerning a late payment for that monthHer mother had passed away and we were out of town the week the payment was dueThey refused to speak with her, and after requests for the paperwork to authorize her on the account still have not sent itI am on construction sites during their open hours and am unable to call them due to suchThat late fee of $38, coupled with the $payment fee and the $monthly fee ate up my payment, and sent my account on a downhill spiral of more fees, leading to being over the limit the following month, and incurred an over the limit fee of $38, shoving my payments over $a month, which after losing a weeks pay and the expense of the funeral and trip I could not affordI have continued making payments every month, but if they were not the exact amount I was still considered late, and they have now reported late payments to the credit bureaus! The transmission needs to be replaced

I submit this complaint in reference to an ongoing dispute with Applied BankApplied Bank is currently reporting an invalid and derogatory account on my files held with information agenciesI do not know of any business with themThe account with Applied Bank is very much unknownI have attempted to resolve this matter swiftly but I have found no successI have performed the following: Filed multiple investigation requests with all consumer credit reporting agenciesAll investigations were verifiedSent a formal request for documentation of the unknown account in March, No response was providedProvided notarized documentation of fraudulent activity via mail, in April, No response or action was takenApplied Bank has not supplied documentation of the accounts nor have they provided a response as of May 1st, I have not received correspondence of any kind from this organization in the pastI assert the account listed on my credit reports is invalid an

An account was opened with the company in 2012; closed shortly thereafter (2013) due to the exorbitant fees associated with the cardof credit bureaus have removed this item completely due to Applied Bank not producing information to validate the debt; it remained on one reportWhile I do not agree in full with the charges, I have contacted them on multiple days and have been told that they cannot connect me to anyone in their colletions department, I have to wait for them to call meI was provided a "work order number" and to date, have not received a call to settle this account - I've never had to beg anyone to take money from me beforeI am also told that it can take up to business days to receive a call back from the collections department for me to give them full payment!!

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me

February 6,
*** *** ***
*** *** *** ** ***
** *** ***
*** *** ** ***
Re: *** ***
Revdex.com File #:
Dear Ms***
I am writing in regards to your January 22, inquiry concerning Mr***
***. 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*** via written correspondence mailed on February 6, 2018. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr*** directly
Please contact the Executive Correspondence department Toll-free at *** *** *** *** between the hours of 8:AM and 5:PM Eastern Time should you have any further questions regarding this matter
Sincerely,
*** ***
Executive Correspondence

February 3,
I am writing in regards to your January 31, inquiry concerning Mr*** ***The inquiry was referred to me for review and responseThank you for bringing this matter to our attention
We have addressed this matter directly with Mr*** via written
correspondence mailed on February 3, However, in order to protect our customer’s confidentiality, we are unable to provide you with the detailsFor further information, please contact Mr*** directly
Please contact the Executive Correspondence department Toll-free at *** *** *** ***, between the hours of 8:AM and 5:PM Eastern Time should you have any further questions regarding this matter
Sincerely,
*** *** *** ***

Applied Bank charges a $monthly maintenance fee even if the account is closed! I have been trying to pay off my balance for years and have not used the accountHowever, it's nearly impossible when I continue to receive a $monthly maintenance feeAlso, I made my June's payment prior to the cutoff time and date; but I still received a late fee! The customer service representative advised the fee may or not be waivedThe agent even verified the payment was made on timeIt's so disheartening that even making my payment on time still leads to a late feePlease help stop this company from being able to charge $monthly maintenance fees regardless if the account is closed! Please help get the late fee for June's payment waivedThanks in advance!

January 27,
I am writing in regards to your January 19, follow up inquiry concerning Ms*** ***The inquiry was referred to me for additional review and response
We have addressed this matter directly with Ms*** via written correspondence mailed on January 27, However, in order to protect our customer’s confidentiality, we are unable to provide you with the detailsFor further information, please contact Ms*** directly
Please contact the Executive Correspondence department Toll-free at *** *** *** ***, between the hours of 8:AM and 5:PM Eastern Time should you have any further questions regarding this matter
Sincerely,
*** *** *** ***

February 12, I am writing in regards to your February 5, inquiry concerning Ms*** ***
The inquiry was referred to me for review and responseThank you for bringing this matter to our attention
We have addressed this matter directly with Ms*** via written
correspondence mailed on February 12, However, in order to protect our customer’s confidentiality, we are unable to provide you with the detailsFor further information, please contact Ms*** directly
Please contact the Executive Correspondence department Toll-free at *** *** *** *** between the hours of 8:AM and 5:PM Eastern Time should you have any further questions regarding this matter
Sincerely, *** *** *** ***

February 11, I am writing in regards to the January 30, inquiry concerning *** *** *** The inquiry was referred to me for review and responseThank you for bringing this matter to our attention
We have addressed this matter directly with *** *** on February 11,
via written correspondenceHowever, in order to protect our customer’s confidentiality, we are unable to provide you with the detailsFor further information, please contact *** *** directly
Please contact the Executive Correspondence department Toll-free at (*** *** *** *** between the hours of 8:AM and 5:PM Eastern Time, should you have any further questions regarding this matter
Sincerely,
*** *** *** ***