Cross Country Bank A.k.a. Applied Card Systems
Cross Country Bank poor management Nationwide

I moved to the Beckley in September (shortly after 09/11) and was looking for work in an economically depressed area of the U.S. On the advice of others I put in an application at Applied Card Systems in Beckley, and was subseqently hired. I worked there from 11 until approximately 05.

When I was hired, I was assured great bonuses and $1.00 per pay by phone (pbp) transaction (I averaged up to 20 pbp per day). First, I found not all of my transactions were accounted for - only got a small portion of what I actually transacted and even found some of my larger pbp were stolen by employees in the Boca Raton office. When I complained, management simply told "oh well, we can't do anything about that".

After about two months on the floor, the tables were turned. The company took away the $1.00 per pbp transaction incentive and increased the odds of making bonuses. This was done by a) increasing the dollar amount we had to meet to make bonus and b) by taking us off of the 5-day bucket and placing us into the 30-bucket, THUS reducing the amount of bonus we'd get paid.

After the third month, they had us into the 90-day and POTCO (Potential Charge Off) accounts - mind you we were only trained on 5-day bucket, no further training was given. And again, they changed the bonus strategy that much more.

In my final months (before resigning) they began the presumtive PBP campaign. We were instructed to call the customer, tell them we were taking out a payment of X-amount of dollars and here is your transaction number, thank you - goodbye.

In addition we were instructed to "skip trace" accounts by calling any/all numbers listed on the account to track down the customer by whatever means necessary. I.E. Hello this is John Doe calling from the bank. Joe Smith filled out an application with our bank for credit and gave us your number as a contact number, we need to get some very important information to him - can you tell us how to reach him directly?

Now mind you; we were calling businesses, cell phone numbers, family members, etc. We were even instructed to get a cell number for the customer (usually by speaking with a minor child son/daughter).

The reason I left the company is due to the deceptive practices, and I just couldn't continue to work there with a clean conscience. And when I left the company, I got my final check LESS all of the eligible sick-time I'd used. Afterall, we were eligible for sick days after 90-days of employment w/out penalty - this was a BIG LIE.

P.S. I understand the Beckley Office had a paper shredding party the day after closing and leaving 1000 unemployed (500 in WV and 500 in KY, w/out warning).

A link to the article in WCHS TV says a lot:

Http://www.wchstv.com/newsroom/wv/news6. Shtml

Company: Cross Country Bank A.k.a. Applied Card Systems
Country: USA
State: West Virginia
City: Beckley
Address: 110 Beckley Crossing
Phone: 3042500220

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