Once again, Applied Bank (formerly known as Cross-Country Bank) has screwed me and there is nothing I can do about it. And they continue to be allowed to do what they are doing. I became behind in my payments, but have been paying what I can for the last several months. My account is below the credit limit, but they still report to the credit bureau that I am over 60 days delinquent, even though I have paid them $50.00 per month for more than the last 3 months, they still want a minimum payment of $150.26 on a TOTAL balance of $268.46. My credit limit is $300.00 and I have no intention of paying over 50% of my ENTIRE balance as a minimum payment and then making another payment in addition so that I am not "2 payments behind"? Not going to happen and someone needs to shut down these loan sharks!
These people hound me at home and at work on the telephone, even though I have informed them that I am not allowed to accept personal calls at work and even after filing a complaint with the FTC that has been ignored. They want to "discuss" this only over the telephone and will not accept online or written inquiries where there is proof of their illegal activities.
Avoid these rip-off artists!!!
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