Complaint Review: Cross Country Bank (Illinois)

I don't mean to offend the Editor, but it seems that you want to attack anyone who might have something good to say about Cross Country Bank>

Sure some people feel like they have been ripped off by the company and some may be happy with the company but isnt this media for responses to what have been entered here?

I do know someone who works for the CCB, and maybe some of their practices aren't the most helpful, but did it ever cross your mind that the reps that are answering the calls in customer service may be frustrated because they aren't able to really do what they need to do to help the customers?

And you talk about filthy mouthed reps, what about the customers who call? Don't you think that they may have filthy mouths as well, consider this, it is illegal to cuss over the phone lines, that is an fcc regulation.

One other thing that people might want to think about is that these people have jobs to do, and cussing at the customer is not one of the things allowed, but some people do abuse the reps when they call, there is no need for name calling, if you resort to that you are no better off after you are done.

If you want to close an account with cross country bank you shouldnt use their automated information line to get your balance(pay-off). You will be charged A .50 cent fee for using this, they claim that the first two inquires are free,but they aren't.It took me 2 years to get the "charged off collection" off my credit file.The collection was for .50 cents, plus A $27 dollar overlimit fee for the .50cent phone call.Thanks to the rip off report I found the information I needed to fight this and I won!!!

Thanks,

If you want to close an account with cross country bank you shouldnt use their automated information line to get your balance(pay-off). You will be charged A .50 cent fee for using this, they claim that the first two inquires are free,but they aren't.It took me 2 years to get the "charged off collection" off my credit file.The collection was for .50 cents, plus A $27 dollar overlimit fee for the .50cent phone call.Thanks to the rip off report I found the information I needed to fight this and I won!!!

Thanks,

If you want to close an account with cross country bank you shouldnt use their automated information line to get your balance(pay-off). You will be charged A .50 cent fee for using this, they claim that the first two inquires are free,but they aren't.It took me 2 years to get the "charged off collection" off my credit file.The collection was for .50 cents, plus A $27 dollar overlimit fee for the .50cent phone call.Thanks to the rip off report I found the information I needed to fight this and I won!!!

Thanks,

No, you moron! If you had a modicum of sense and at least a third grade reading comprehension you would be able to decipher that the topic of the paragraph was the usurious practices of unethical companies.



Please, I don't have time to babysit.

P.S. Buy some vowels!

The last editor, Did you mean a trend in customers not paying thier bills? If customers would READ the agreement before using the account and take the agreement seriosly, then they probally wouldn't of had near the problems thier having.

Respectfully, you are missing the point of the victim's report. This company has been proven to be userious, but it doesn't stop them. One only need see all the complaints to see this is a trend and not a remote incident.

I am emailing you about cross country bank, not because they are bad but becuase i have read many of the complaint against them and i wholeheartedly disagree. My husband and I wrecked our credit as youths and becuase of that were finding it impossible to make purchases such as cars or a home, we applied for this card and were approved. We have had our cards a little over a year and yes we were late on a payment and were charged a late fee of $30 but that was clearly outlined in all paperwork and online information we recieved. We have also had credit line increases and our accounts reported accurately and timely to the cerdit bureaus.



Since opening our accounts with ccb, we have been able to finance a home and two cars, based on our newer improved credit standing due mainly to ccb's willingness to take a risk on us. As many of these other consumers probably left out; ccb was not the first card applied for, but because of our credit history(ie. late payments, defaulting on agreements) no one was willing to take the risk on us.



I feel that most of these people complaining did not fully read their contracts with ccb, and this is probably why they were in the financial situation that lead them to a lender with high interest rates. Unfortunately, their irresponsibility is not the fault of ccb or their associates, but that of the consumer who lacks either the education, or desire to read before signing.



Just a note, I am not employed by or in any way affiliated with ccb in any capacity other than as a cardholder, and a very satisfied one.



thank you,

Heidi J McCain