Complaint Review: Cross Country Bank

I made a payment arrangement with CCB. They are debiting my account every month on the same date for the same amount as agreed. The collections department assured me this would eliminate any over limit or late fees.

Every month I am still being charged over limit and late fees. I called to straighten this out and was told that the payment amount was insufficient and the date was 3 days after my closing date, making every payment late. (I argued that couldn't that mean that it was EARLY for the next month?? They said "no" - apparently there is a week of time where a payment is considered late, but not early for the next month... payment Limbo)

When I complained that the arrangement amount and dates were set by their collection dept for the purpose of avoiding late fees and over limit fees, they told me...

HONEY, COLLECTIONS WILL SAY ANYTHING TO GET A PAYMENT OUT OF YOU.

In other words, they lied to me... and now I make payments of $108 each month, with $96 going back to them in fees. In six months I've paid close to $700 with my balance decreasing only about $50....

Abby
Carmel, California
U.S.A.