I took out a credit card with Cross Country Bank over 2 years ago and my limit was $300. Currently, my balance is over $1,248.00. When I talked with anyone with CCB, they said if I made a payment, it would bring my account current and there would be no late fee. As you can see with the balance, they have been charging me over the limit fees and late fees.
When I did a payment over the phone, they charged a $7 check fee. The other day I got a call from CCB and the girl was very rude and she was threatening me as if I didn't pay, she was going to put on my account that I refused to pay. I just can't catch up. I went to see a lawyer today and he said that I should do the negotiating with CCB on my own! How about that! Why did I even go see him and waste my precious lunch hour.
I was going through all my statements that I have received from CCB and I noticed that they have two account numbers on me. I also noticed that the amounts on those statements are way different. I am wondering if CCB has two separate accounts on me and charging me over the limit fees and late fees on both accounts?!!! I think they do this because they are ripping off the government (IRS).
I am prepared to send them a letter to stop calling but from the other people in the same boat as I am, I am reluctant to do this. I just want to pay this credit card off and get it out of my life! Does anyone have a solution to all of our problems?
Michelle
Albuquerque, New Mexico
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