Complaint Review: Cross Country Bank/Applied Card Systems

I have had a Cross Country Bank Visa Card since 2000. Once I neared my credit limit, they began holding my personal checks and deliberately posting them as electronic debits the day after the due date. They did this to generate fraudulent late and over the limit fees.

When I was sick and disabled from October 2001 through January 2002 I got the run around re my "credit protection insurance." They kept assessing late and over the limit fees while "processing" my application for bebefits. The "insurer" sent me a letter saying my claim was approved. When I received my next CCB statement I found that my claim was not paid, but they had instead just refunded my credit protection insurance premiums.

I filed a small claim in Providence District Court to settle my grievance. CCB and its attorney agreed that a $250.00 credit would go on my account and I would mail them regular payments, begining with a payment of $50.00 sent on May 3, 2002. Despite $300.00 in payments and credits going on my account, said account remained in default ggenerating more late and over the limit fees. CCB and its local RI attorney refused to correct the situation.

There is a federal class action being filed against CCB in Federal Court in Illinois; I will be a named plaintiff. Let's have all CCB's victims join this class action and put this corrupt company out of business

Paul
Providence, Rhode Island