Complaint Review: Cross Country Bank

Frankly, as a professional, I feel that it is necessary to add that anyone can receive a job as a debt collector. Our good friend Lisa makes that observation apparent. In my local area, you don't even have to have a High School Diploma to obtain this sort of position. In Lisa's case, one apparently only needs to know how to be an insensitive, dare I say, b***h. I wonder if that was one of the questions on Cross Country Bank's employee application form. Lisa must of checked that box several times.

Was she always a b***h, who knows? Maybe she recieved special training from CCB.

As a recent graduate from college, I sought credit in order to purchase some of my graduate books. Of course, Cross Country Bank responded promptly. Young and unaware of the consequences, I happily accepted the financial assistance, not knowing what I was in store for.

I recently paid off Cross Country Bank and am afraid to ever apply for a credit card again. You see organizations like Cross Country Bank are not picky who they take advantage of. Society as a whole is their prey. I feel sorry for anyone else that gets wrapped up in a venture with Cross Country Bank, especially young students who may not know better.

As a Certified Public Accountant (CPA), I just want Lisa to know that what goes around, comes around. Your lack of tact with customers will hopefully give them more desire to pursue legal action against your crooked organization.

Finally, Vicky, I know how it feels to struggle with an illness and hope Lisa is never put in that position.

Lisa,

Thank you for your name-calling, uneducated response to my report. It's actually kind of humorous. The fact that you're an employee of CCB and respond to consumers the way you did, just helps ALL OF US CONSUMERS prove our point.

It's unbelievable that you represent CCB and post that nonsense on the INTERNET for EVERYONE to see the type of people CCB employs. How smart is that?

I plan to pursue this matter in every way possible and am keeping records of any and all contact with CCB (including your response).

You really do appear to be uneducated and bascially, your comments sound like something my 10 year old daughter might say.

I'm sorry for your incompetence. Once again, THANKS FOR YOUR HELP IN MAKING IT EASIER TO PROVE MY CASE AND THANKS FOR PUTTING IT IN WRITING. ALL I HAVE TO DO NOW IS MAKE A PRINT-OUT.

What is it about your personal life that is so horrid that you have to respond in such a sarcastic name calling immature fashion? Your response to Vicky is exacty why your company is so hated by everyone in america! You are the scum of society! You obviously work for CCB...how can you stoop so low as to act so childish? It sound like to me that you have mauch deeper issues in your life to be addressing. You are a pest, an idoit, and a heartless pig. Get a life and leave others lives alone you worthless loser. Vicky's fianancial problems are her own and seem legit due to health reasons. Are you such a pathetic loser that you take her debt personally? Sounds like you need a shrink my dear...you have obvious mental problems. Once again...go to CCB, withdraw some money and but a life...

Lisa,

I don't generally like to stoop to the sort of name calling & playground taunting you used in your rebuttal, but you just make it too easy...

Can YOU not read? Vicky didn't say she "paid off" her debt to CCB using Intellidebt ("so how could Intellidebt have screwed up her credit?") - she said she CLOSED her account and began paying the remaining debt through a debt consolidator. There is a difference - and I commend her for closing her account while trying to work with the debt consolidator, as far too many people take on the debt consolidation & continue to ring up more debt.

Considering you MUST work in collections - based on the "we" comments in your rebuttal - I can't believe you're so uneducated as to believe that if Vicky had "paid her bills on time," she wouldn't have needed Intellidebt to "clean up her mess for her." Now, now, you know that this is not necessarily the case. Consolidators like Intellidebt don't prey only on folks who don't pay their bills on time - in fact, those folks aren't even who they're looking for. The people they're looking for are folks who - for whatever reason - have gotten into so much debt that they're having trouble stretching their paycheck to make it all fit. Why would Intellidebt want someone who didn't pay her bills? It needs people who WILL pay to sign up - so it can screw them out of the money they pay faithfully every month, thinking it will help them get out of debt.

In short, your assumption that Vicky doesn't pay her bills is not supported by any evidence - and the fact that she signed on with a consolidator would seem to indicate that she is, in fact, trying to pay off her debt. And even if she was behind on her bills - so what? It can happen for a number of reasons, not just because someone doesn't feel like paying, and unless you KNOW for a fact that you're talking to someone who chooses to not pay her bills because she doesn't feel like it, she deserves a little bloody respect.

So...unless you have something helpful or constructive to say, LAY THE HELL OFF! Crawl back under the rock you came from, strap your little hands-free operator headphones back on your head, & go harrass someone else.

Now...Vicky: If Intellidebt is, in fact, paying your bills properly & on time each month, I guess you might as well stick with it for the duration. I don't like those companies because they take so many d**n fees out of the money you pay, don't start paying immediately (so you end up 30-60 days out on your payments), etc. - but if it's working for you, stick with it.

Good job also on closing your CCB account - not racking up more debt will make the Intellidebt experience worthwhile in the end.

As far as CCB goes, have you talked to Intellidebt about the situation? Is your "counselor" aware that CCB is not accepting payments? (Is CCB, in fact, not accepting payments?) What is happening with the money you send to Intellidebt to pay the CCB account? You might be able to renegotiate with Intellidebt to pay less to them & send the money directly to CCB.

I would also document EVERYTHING you've written about in your report - anything you have in writing regarding being dropped by CCB from the consolidation, plus the phone calls you're receiving, plus the answers to the questions I've asked above, and contact your state's attorney general. Part of the attorney general's job is to protect consumers from harrassing, intimidating, and misleading business practices.

Good luck, and if I think of anything else you might do, I'll post it here.

Lisa,

I don't generally like to stoop to the sort of name calling & playground taunting you used in your rebuttal, but you just make it too easy...

Can YOU not read? Vicky didn't say she "paid off" her debt to CCB using Intellidebt ("so how could Intellidebt have screwed up her credit?") - she said she CLOSED her account and began paying the remaining debt through a debt consolidator. There is a difference - and I commend her for closing her account while trying to work with the debt consolidator, as far too many people take on the debt consolidation & continue to ring up more debt.

Considering you MUST work in collections - based on the "we" comments in your rebuttal - I can't believe you're so uneducated as to believe that if Vicky had "paid her bills on time," she wouldn't have needed Intellidebt to "clean up her mess for her." Now, now, you know that this is not necessarily the case. Consolidators like Intellidebt don't prey only on folks who don't pay their bills on time - in fact, those folks aren't even who they're looking for. The people they're looking for are folks who - for whatever reason - have gotten into so much debt that they're having trouble stretching their paycheck to make it all fit. Why would Intellidebt want someone who didn't pay her bills? It needs people who WILL pay to sign up - so it can screw them out of the money they pay faithfully every month, thinking it will help them get out of debt.

In short, your assumption that Vicky doesn't pay her bills is not supported by any evidence - and the fact that she signed on with a consolidator would seem to indicate that she is, in fact, trying to pay off her debt. And even if she was behind on her bills - so what? It can happen for a number of reasons, not just because someone doesn't feel like paying, and unless you KNOW for a fact that you're talking to someone who chooses to not pay her bills because she doesn't feel like it, she deserves a little bloody respect.

So...unless you have something helpful or constructive to say, LAY THE HELL OFF! Crawl back under the rock you came from, strap your little hands-free operator headphones back on your head, & go harrass someone else.

Now...Vicky: If Intellidebt is, in fact, paying your bills properly & on time each month, I guess you might as well stick with it for the duration. I don't like those companies because they take so many d**n fees out of the money you pay, don't start paying immediately (so you end up 30-60 days out on your payments), etc. - but if it's working for you, stick with it.

Good job also on closing your CCB account - not racking up more debt will make the Intellidebt experience worthwhile in the end.

As far as CCB goes, have you talked to Intellidebt about the situation? Is your "counselor" aware that CCB is not accepting payments? (Is CCB, in fact, not accepting payments?) What is happening with the money you send to Intellidebt to pay the CCB account? You might be able to renegotiate with Intellidebt to pay less to them & send the money directly to CCB.

I would also document EVERYTHING you've written about in your report - anything you have in writing regarding being dropped by CCB from the consolidation, plus the phone calls you're receiving, plus the answers to the questions I've asked above, and contact your state's attorney general. Part of the attorney general's job is to protect consumers from harrassing, intimidating, and misleading business practices.

Good luck, and if I think of anything else you might do, I'll post it here.

dear vicky,

do you want me to call the waaaaaabulance for you.can you not read? everything is in the disclosure. how did you pay your acct off through (intellidebt) then in the next sentence admit that they messed up your credit.

did cccs pay your payments on time? alot of times they say they do and dont. ccb only works w/cccs to help its customers its not our fault you chose an inadequate cccs program.

if you would have paid your bills in the first place you wouldnt have had to rely on a cccs program to clean up your mess.the reason we have to call people at work/cell#s is because cardholders will have their family lie by saying they are not home.

you shouldnt blame your bad judgement and cowardly mistakes on a company that you chose to borrow money from and not pay back.so grow up and pay your bill like every other hard working american.

if it wasnt for people like you the rest of us wouldnt be paying outrageous interest rates and the economy wouldnt be in such a down fall.so dry those tears vicky,tomorrow will be a better day.