I received a credit card from Cross Cuntry Bank almost 3 years ago and am still unable to get rid of them. The fees were rediculous right from the beginning. I signed up for the Payment Protection incase of disability or unemployment. About 6 months later i got fired from my job and decided to take advantage of the Payment Protection Plan. When i called them regarding that they told me that i cancelled it last month. Which is Bull, because it was on my last statement.
I have had many problems with them but the worst is that i still can't get away from them. About 6 months ago i called them and said that i wanted to pay off my balance of $610. They told me that they couldn't accept the whole ammount. That i would have to pay a settlement offer. So i said fine. I figured it would get them off of my back. Well i paid them $305. And they said my account was settled. Well since then they have reported my account as a charge off to the credit bureaus, and are sending me more settlement offers. So basically they took the $305 as a peyment instead og a settlement. I had perfect credit before doing business with them. And now i am having a hard time getting them out of my life.
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