Cross Country Bank told me that in order for my account not to go to collections that I must set up a plan called the "reage program". I would have to pay $35 a month for 4 months consecutively. I agreed upon doing that.
I said that I would pay by check and that it would be mailed before the due date, but the customer service representative told me that my first payment had to be made over the phone. Then, every payment there after could be mailed. I was very skeptical about doing it over the phone. So, she placed her supervisor on the phone. He assured me that nothing illegal would happen. I then agreed to it.
The customer service representative asked me for my checking account number and for the next check # that I was using. The check number that I was on was # 236. This over-the-phone payment was made on June 28. The next payment I made was sent through the mail using my check which was check # 254 in the amount of $35. Not too long after that I decided that I would call my personal bank's automated system to see how much money I had in my checking account.
That's when I realized that a check #7939 in the amount of $35 had been withdrawn from my account. Since it was that exact amount, my first reaction was to call Cross Country Bank to see if they had any records of a $35 payment using a check #7939.
They said that they did. I told them that I did not own any checks that high and did not authorize anyone to make such a transaction. They acted as if I was lying. I then contacted my bank, and filled out an affadavit. The next day my personal bank faxed me a cancelled check to prove that Cross Country Bank had stolen $35 from my account.
Cross Country Bank has been a nightmare to my husband and myself. After this incident happened I borrowed money from my parents to pay the balance off in full, but once I did that, they still charged me $70 and said that my balance was no longer zero. Although I didn't want to I sent a payment of $35. Then the next week they said that I owed them $37. They just kept on adding charges to my account. I finally paid everything off, and they admit that my balance is zero.
So, we faxed a letter to the payment research demanding that our account be closed and never re-opened, but their customer service representative told my husband and I that they could re-open our account without us knowing and without our permission and still charge us annual fees.
I would like to file a lawsuit, but I do need help in doing so. Justice will be gotten for all of the abuse that Cross Country Bank has put us through.
Angel
Huntsville, Alabama
0 comments