Complaint Review: Cross Country Bank

As noted by similar postings of rip off reports, Cross Country bank deceptively billed and added many charges that were not warranted.

I too had a $300 limit that was promised to increase after two successful payments. This never transpired and I initially paid my bill off in full every month.

I too was laid off from my employer. I still made my payments on time. I only made the minimum payments required. The company would charge a monthly maintenance fee and interest. If the interest took my balance ever so slightly above the $300 limit I would be assessed an over the limit fee. This would not be due to my card usage, but the interest that was being charged on the account. I have a Capital One card that never assesses over the limit fees for interest; only for purchases.

If you fail to bring your account under the limit asap (prior to the payment due date) you are charged a late fee. This is what repeatedly happened to me.

I recently applied for a home loan through a reputable national lender and I was almost denied due to the negative credit reporting by Cross Country Bank. I disputed their reporting to no avail.

I would appreciate others taking action against this company in hopes of a class action suite that may cease their business operations.

Lisa
Saint Paul, Minnesota