Cross Country Bank is a terrible company that should be investigated by the BBB.
My first complaint is the customer service. When I first got the card, the number they put on my statement was bogus and disconnected (561-304-0501). It was soon changed to a number with a 304 area code, so I had to call long distance from Ohio just to talk to someone.
When I bought a computer, I was supposed to get MSN Explorer. When I went home it never worked, so I cancelled it. Two months later, MSN was still taking money from my Cross Country Bank account. These were unauthorized transactions since I had cancelled MSN, which I never even used because it did not work. Because of these transactions, I acquired overlimit fees.
When I explained the situation to Cross Country, they refused to credit me even though I had not really overdrawn my account. I called MSN back, and they said my credit card had to do it and they could not credit me the fee.
Lastly (for now!), I do not think an overlimit fee should be charged, at least the first time, for going over the limit including finance charges. I have a Capital One Visa, and they understand the first time and will credit the overlimit fee back to you.
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