Deceptive Credit Card Practices

[kimberlylarae@gmail.com]

I'm having a problem with Applied Bank, I believe they were formerly called Cross Country. I'm not the only one. I have found many complaints from people having the same problems I'm having. Every month I am charged for cash advances and purchases I have not made, I am not using that credit card anymore. I am being charged finance charges for these advances and purchases. I am being charged over the limit fees every month no mater how much my payment was. They charge enough fees and finance charges to make it over the limit. One month I was charged $110 finance charge in order to boost my balance over the limit so they could charge me an extra $32.
I am disabled and living (or trying to) on Social Security, I can't afford this. Who can? Apparently, most of the people being ripped off are low income. I have already been ripped off by identity theft, I applied for this card to "rebuild my credit" as they promised. I'm tired of getting taken to the cleaners.

I am thinking seriously of collecting as many complaints as I can, besides mine, and turning them in. Do you think I have a case. This happened before and they changed their name and now they are doing it again. But maybe this time they can be stopped. Who do I go to with this? Do I hire a local lawyer? I made a complaint with the BBB. I'm prepared to go all the way to the FBI if I have to. I can get a lawyer free in my state.

[Jeanie]

If the lawyer is free then I would say go there and atleast get recommendations. I DO know I would cancel that card and cut it up for sure!!

Jeanie

[finvix]

if you collect all the complaints and go to a local lawyer, he may say yes to work for you for absolutely free. as these lawyers also want a huge percentage of the total chunk of money they can get you form these big CC companies!
vix

[Jeanie]

Thanks for the post finix!

~Jeanie

[mojo2]

That was the same thing that citibank did a few years ago. They lost in court and now if you have a citibank account from 2006 or before with more than $1750 on it, there is no legal obligation to pay it back (though they try to not tell people that).

[Jeanie]

Well of course they don't want to say..thanks for the info but, everyone still research this to make sure..

Good Luck..

~Jeanie

[formercap1agent]

Not so fast. Don't forget that most credit card contracts have an arbitration clause. Either party (which usually means the bank) can elect arbitration and you know who wins 99% of those, right? Usually you waive your right to join a class action suit as well. Citibank lost once, they won't lose ever again with that arbitration/no class action clause in all your contracts with them.

[Jeanie]

Ty Formercap1agent! That Post Was Helpful!

~jeanie