Cross Country Bank has been ignoring my complaints and requests for the past four years, even though my letters were sent by Certified Mail and I have proof of delivery.
1. Payments made on the internet have hit my checking account in duplicate, taking weeks to rectify. If and when the double dipping causes NSF charges, CCB refuses to reimburse my checking account. On one occasion my $200.00 internet payment was submitted to my bank twice on the same day, causing an overdraft. I sat across the desk of my banker while she spoke with CCB, verifying that CCB's double dipping caused an overdraft in my checking account.ccB promised my banker that they would reverse the charge. And they did reverse the second erroneous $200.00 charge. However, they sent me a letter saying that my $200.00 payment had been returned by the bank, and they charged me $30.00 for an insufficient check! They eventually admitted their error, but have yet to credit my account for the $30.00.
2. Erroneous charges made to my account without my knowledge or authorization take weeks to get removed.ccB allows bogus charges to hit my account and charges $30.00 when those false charges cause by balance to go over limit.ccB then reverses the bogus charges, but refuses to to rescind their over limit fees!
3.ccB has been holding my $200.00 security deposit since 1997. The security deposit was supposed to be returned once I "established an account in good standing". My account was upgraded to a "Silver Account" and I have in my possession letters from CCB complimenting my "excellent account management" and offering creditlimit increases. Nevertheless, my written requests for my $200.00 deposit continue to be ignored.
4. It takes a considerable amount of time and long distance fees to have a conversation with a member of "customer service". I have in my files the names of individuals who have telephonically promised to rectify the above mentioned errors and reimburse me for hundreds of dollars in false, erroneous, unfair, unjustified charges, yet they have failed to do so.
5. I was given a "special" fax number to wage my complaints. However, those transmittals were no more effective than the certified letters I sent. It's obvious they have no intention of ever reversing their "erroneous" fees.
6. Since CCB continues blatently fraudulent practices, I am closing the account and hope to enlist an advocate to actively pursue the retrieval of the hundreds of dollars due me.
Donna
Pittsfield, Illinois
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