Applied Bank
Reviews and Complaints

I applied for a secured credit card from Applied Bank. I was told that I would receive my card within 30 days. When that did not happen, I called and found out they "had a problem" with my application. I then cancelled my app and told them I wanted a refund of MY money. They told me it would take another 30 days to send it back. Funny... it took only 2 days for them to take it. And I still don't have my money back. When I call, they just blow me off. I don't know if I'll ever see my money again! I'm thinking "lawsuit".
If you've had a problem with this bank, please post and let them know that we're out here.

Applied for a secured Visa from them March 3, 2009. Provided a checking account information and authorized them to take out $350 for a minimal line of credit. Was told that I'd receive a card within the next 72 hours. Checked status on March 10. Learned that $350 had been taken out from my checking account, yet no confirmation of approval. That same day, faxed a letter to [protected] requesting to cancel card request and to return $300 (less $50 for their processing fee). As of March 26 2009 have yet to hear from them.

I missed 2 payments this summer because of a flood/out of job, I set up payments twice a month 40$ each time (minimum payment was 50). They kept charging me LATE fees'+-30$ and Overlimit fees +-30$ every month! The past 2 months have withdrew 40$ payments from my bank account UNAUTHORIZED (then called me and told me I havent made any payments recently)! I spoke with 2 people there, one who told me I authorized through the internet then continued to tell me not to worry about it because it was helping my balance (obviously not), the other said I authorized via phone back in Sept. ?!?!?!
How can these people do this?!

when opening a secured credit card account with them, i authorized them to deduct $250 from my checking account. when i downloaded my checking transactions to Quicken today, i found out these thieves deducted $2500. when i called them, they had the nerve to tell me i must have entered it wrong (i didn't. i checked and rechecked the form before i submitted it), and that it will take 2 weeks to get my money back.

Joining in the long line of customers that Applied Bank has ripped off...I called their so-called customer service to dispute the late, over the limit and cash advance fees on my statement that ballooned my monthly dues to $203.00.
Because I made a minimum payment before my statement was processed I was charged a late fee as explained by their customer service rep. I asked them to apply the payment to the current billing statement and he said he would submit a request to do so. I still have not seen the late fee reversed.
I was charged a cash advance fee for accepting a limit increase. Mind you I already paid the ridiculous fee of $100 to get an increase and they have the nerve to nickle and dime me with a cash advance fee!
Adding to my heft bill was an over the limit fee that came as a result of being charged an annual fee, which also is subject to a cash advance fee.

It is a typical case of the hard working man being f**ked over by greedy, predatory banks like Applied Card. I vomit when I see banks asking the government for money while they rape you monetarily and turn a deaf and unsympathetic ear to very customers that keep their sorry ### rich and fat.

Applied Card bank have been the worst company I have ever dealt with. They are rude and if you ever get late on your account they will harrass you . This company have called my house and cell phone over 20 times each in a days time. They are really bad on Sundays. If you speak with them and tell them that you are unavailable and to call you at a certain time they will not take that and continue to talk and continue to call you every minute of that day and will not call at that hour that you ask them to call. I was late on my payment and had told them that I would make my payment on my payday. I receive a call on my cell that day. I told them that I would make my payment and to call me or I would call them as soon as I got home and that I was leaving work and it would take me about 30 minutes to an hour to get home. Once I got home then I would make my payment. The represntative called me a liar because I was suppose to make my payment the day before and I needed to set it up at the time he was on the phone. He refused to let me get home and refused to get off the phone. Once I hung up he called right back and was very aggressive. I feel that there should be laws to protect Americans from this kind of harrassment and rudeness. The representative barely understood English but still could speak enough to be rude.

Wow! This card has been a nightmare. I have credit available, but they decline charges. Each month I get at least one charge - along with the $10.95 monthly fee. More often than not, I get two charges, amounting to over $70, in addition to the $10.95 monthly fee. I have paid and paid and paid, to keep my credit strait - but I am really fed up with their tricky ways. They add fees on top of fees, many of the fees are not even evident until it is too late to take care of them and avoid more fees. The customer service people are not helpful - and one of the numbers seems to go to service agents in India who are impossible to talk to or understand. It does not matter anyway - they will not help and keep mentioning that they are following the agreement I signed. It seems the agreement I signed has just enough loop holes to keep them legal and me in debt. I have 5 other credit cards now, and none of them have been evil like this.

Okay, so pretty much I got this card to use for Christmas and then cut the sucker up so I could pay it off. Well, I am getting nowhere!

I always made my payments on time and then, last month, I noticed my check hadn't cleared after two weeks. So I login to my Applied Bank account and there it is...a $32 late fee. So, now I am wondering where is my check? Did it get lost in the mail or did they just toss it so they could charge me this late fee (I honestly believe they do this to people to make money.)

So I call customer service and they give me this whole schpeel about how I have to write or fax a letter to billing disputes to see if they will do anything for me. Meanwhile, to get my account current, I pay a $12.95 fee to process my payment over the phone. They have now made $44.95 off of me.

So a few weeks later I get a letter stating that they will credit me for $25 since I have always made my payments on time. Whatever!?! You still made $19.95 off of me, of which it was not my fault.

So, now I decide that I will setup my payment to automatically come out of my bank account throught their website a few days before my due date just because I am now afraid that they will not receive my payment if I mail it.

What a shock?! I login to check on my account I have a late fee posted. But my payment has been posted before the due date and I selected minimum payment due (which showed $54.00) and selected a date before the due date.

So, now I'm so irritated ( what else is new?) and I call customer service. I actually deal with two very nice people ( i know shocking) who inform me that my minumum payment was actually $54.05 and that the computer only does whole numbers so it should have rounded it up to $55.00. Now I have been stuck with a $32 late fee for 5 cents! Yes, 5 cents of which was not my fault. So i immediately faxed a letter with all of the details, also informing them of how UNHAPPY i am doing business with them.

Last night, I open my mail, and my request for a credit has been DENIED!

I totally believe that I am being screwed and from the looks of it so are a bunch of other people. So how do we go about getting a class action suit together because I am absolutely done dealing with this ignorant bank!?!

I don't know if this is legal, if it is something needs to be done. I admit my account is pretty well maxed. But every month I am hit with a huge over the limit fee. I don't use my credit card, I'm trying to get it paid down. So how do I get over my limit? Fees! Every month I get some trumped up fee that sends me over the limit, even though I take into account fees and other charges when I make my payments and pay extra to cover them. It doesn't matter!

This month I was charged $10.95 for maintenance fee, ok that's to be expected. Then $6.95 online payment fee. Ok. But that wasn't enough to send me over the limit. Then they slap on a finance charge for 'Purchases' $13.63 and 'Cash Advances' $4.05 As I said I don't use my card. What purchases? Well that sent me over the limit and I'm then charged a $32.00 fee for that. So instead of a $30 payment like it should be I'll be paying $70 yet again.

If I pay $30 extra to cover any fees, I guarantee you they will charge over $30 in trumped up fees and charges to send me over the limit. It would be great if I could pay down $100 or $200, but at this time in my life I can't. How did I get my account so close to the limit? Fees!

I don't know where to start!

A couple years ago I had applied and received a credit card from Applied bank. After I seen my first bill I was shocked and decided to close the account. I paid off all the rediculous charges and closed the account...(End of that card)

However, I receieved another solicitation for a credit card from a different company and accepted their card. I recevied my first bill for the this card and low and behold the bank was AppliedBank again. They had hidden their solicitation to make it look like it was someone totally different.

Before I recieved my bill I had made 3 purchases I believe, 100.00, 30.00 and I think 62.00 for a total of 192.00. I then find out that I am over drawn on the card and now the charges, phone calls, harrasment, rude people etc. will not stop.

I called the people to see why they did this scam under some scrupulous name and suckered me in again AFTER I had stated to them before concerning my first card that I did not want ANYTHING to do with their companies, affiliates, entities etc. ever again and do NOT send me any offers. I continue to get crap from them even after I have one of their trash cards.

So like I said, I called them (rude as all get out people) and told them that I was not going to pay another nickle and they could try and tarnish my credit if they want. I have three other credit cards with higher limits and have never been late on a payment with any other creditors until these lepers came along.

I understand that there are lawsuits going on now against Applied Bank and their partners in New York, Pennsylvania and a couple other states as a result of people like me being taken for a ride.

If you have any information about lawsuits going on in Michigan concerning these predetors please let me know.

Thank you in advance,
Robert S. Shaw

I foolishly have a credit card with Applied Bank, never investigating it before I got my card. I have had the account for a couple of years now and have ALWAYS made my payments on time. Recently, due to no error of my own, Applied Bank claims to have received one payment of mine 4 days late and they are now charging me $180.00 over and above my last ON TIME payment to this account! I called to speak to customer service and was told although I do have an excellent payment history, there is nothing they can do. They want the $180.00! This Bank is getting away with ROBBERY! Stay away from Applied Bank!

I recently contacted you in regards to account number [protected] on or around March 20th 2008 in regards to the current status of my account. I reached a representative to whome I explained my current situation.
Credit Limit Available Credit Days in
Billing Cycle Billing Cycle
Closing Date Payment Due Date Amount Past Due Minimum Payment
$1200.00 $- 263.00 29 03/2/2008 03/27/2008 $210.00 $347.00

I spoke to the representative about the current status of my account being past due in the amount of 210.00 and a minimum payment due of 347.00. The representative that I spoke with on that day enrolled me into a program that Applied Card bank had known as a hardship program. Under the agreement that the representative enrolled me under the situation was stated that starting April 16th the amount of 100.00 dollars would be withdrawn from my account. Subsequently on the may 16th, and on June 16th consecutively that a payment would be withdrawn from this account.. According to your website you have received 2 of the three payments as shown below.
Payment Post Date Amount Method
05/16/08 $100.00 MULTI CUST SVC PYMT
04/16/08 $100.00 MULTI CUST SVC PYMT

As these payments were being processed to get my account up to date according to the representative advised me that only one charge of 12.95 for the first payment would be charged along with a suspension of any over draft or late fees for the months of march April may, and June that would normally be assessed would not be charged to the account and at the end of the three month period my account would be satisfied as up to date.
I kept receiving letters, phone calls and emails about my account not being up to date so around may first I check with my online account access and found that after my payment was received I was charged a over the limit amount of 35$ and a late fee of 35$ on 3/2/2008 and on may 2nd 2008 after payment was made and after a verbal agreement was reached with your representative a month prior. Wondering if there was a mistake in my account I called into your customer service line at [protected] I explained to the representative the situation as explained above and they advised me that after the program was completed that all the charges would be refunded. This was not acceptable because so I requested they be removed so that I have an accurate reflection on my account because along with the payment and the fees which would still accrue interest at the 29.00% interest rate and the representative is not able to answer so he transferred me to a manager the manager advised me there was nothing he could do and he would submit the issue to the correspondence department for review and someone would get back to me with in 24-48 hours
After this time I had not received any communication regarding my inquiry and so I contacted Apllied card bank back at the same corresponding number. I spoke with another representative who again could not provide me any additional information so transferred me to another supervisor who placed me on hold while she communicated with another line manager about the current issue with my account. The supervisor advised me that since my account was not enough payments passed due that the original representative that set me up on the hardship account had no write to do that because the program was still in a testing phase.. but that since the original agreement was made that she would talk with her direct supervisor or director and that they would get the account balance were it was suppose to be. She provide name and extension of herself and direct supervisor which I can supply upon request.. After a couple of days with again no communication I called back and was giving the same information that it was a mistake on there end and they would rectify the situation. And that there is nothing they can do at the moment about the current fees. I called back several more times being transferred to a number of departments where no one could provide me a resolution to the issue above. If upon request would like documentation on the phone calls made I can supply a phone bill because of the long distance number being called and the exact amount of time on the phone trying to come to a resolution.
I called again one more time today May 22, 2008 and spoke with a supervisor who said that they would not honor the original verbal agreement made because the representative that made the arrangements was not authorized to make them. So I again advised them of the situation and advised that I have been completely accountable for my part making my payments when requested and asked again for the 4 356$ fees to be removed and have my account reflect a current amount of 1347 dollars as originally agreed. And that I should not be punished or made to pay more because applied card bank could not keep the verbal agreement that it originally made instead the supervisor said she could enroll me in another hardship program where I would pay an additional 6 months of 90 dollar payments an that I would again not be charged late or over the limit fees and that my interest rate would also be reduced to 22% this is unacceptable

Like a fool I accepted this card. I paid my payments until I got sick in February of 2008 and contacted them. I explained to these people that I was disabled and with their protection policies it should cover the charges. They charged me outrageous fees for late fees and for anytime I used the card. Also they charge a monthly fee of $10.95 regardless if you use it or not.

I tried to cancel the card and told them I would pay them when I was able to return to work and they do care. I have been harassed by them and I am only behind on one payment. Then they charged $32.00 for being late after I notified them. I have pneumonia and I am disabled anyways. I draw Social Security benefits and I owe more than the card even began with. Every week they charge more money.

This is the worst company I have ever seen and should be checked into.

I used to work for Applied Card Bank/i would happy to talk to any lawyers suing ACB for predatory lending.

My experience with them began in February of this year and ended pretty abruptly when I found out the truth about Applied Bank. This is, in fact, the very same CROSS COUNTRY BANK that ripped off THOUSANDS of people and caused headaches for many more.

I fell for an email ad that came through asking me if I wanted to apply. I was told I was 'pre-approved' for a special offer. This was nothing more than a scam. The application was simple and all seemed well at first... I filled it out and was approved immediately. Then I got a sickening feeling in my stomach like something was VERY wrong here. So...

I began to do some digging online and ran across the very company that Cross Country Bank had used to harass and degrade consumers: Applied Card Services. So I called Applied Bank and was told that it was a mistake and they were not Cross Country Bank, they had nothing to do with Applied Card Services, blah blah blah. I called the PA Attorney General's office and sure enough... the man on the other end, who did not give his name, told me that they were ONE IN THE SAME and that the AG's office will soon be filing a lawsuit against this company for deception and attempting to gain an injunction against them to stop them from ever doing business in PA again.

Eventually, I also found the REAL terms of the card I applied for: 29.75% interest rate... charged from the get-go. The fees begin the minute the card is printed --without you having to activate the card. There is no grace period on new purchases -- you have to pay interest right off the bat. There are two fees. One is a $50 fee charged for issuing the card to you. The other is an astronomical $100 annual fee. And the card only has a $350 credit line. This is the biggest rip off on earth if you ask me.

I called Applied Bank and told them I wanted to cancel. They told me that I could not cancel, and that I was stuck with the card because I asked for it. Then the person I spoke with hung up. I called again, said I wanted to cancel. The person became indignant and began using obscene language, then hung up. The third person I spoke with did cancel the account. Just to make sure though...

Caveat Emptor... Buyer Beware!

Stay away from this Bank card... They charge you $100.00 for an increase in your credit account... My wife also has an account with them... She sent a payment in on the 3rd. of Dec... which she has done for more than a year... The payment wasn't due until the 11th... They charge 39.00 for a late fee and 39.00 for an overdraft fee... Well in holding the payment until the 13th they put her into that overpayment and late payment bracket... We thought if we accepted the creditline increase we would be alright... NOT... They charged us another $100.00 for that...

We keep sending in the regular payment of $37.00... But now they say that she is past due $116.00 and the min. payment due is $209.00... At this point she isn't over drawn... She has $128.00 unused credit... But they closed her account and said if she paid the $206.00 they would take the negative credit report off of her credit report... This is like holding her credit hostage...

This Bank is a total SCAMMM... There is nothing that they can say that can explain what has happened... Except that they RIPPED us OFF... for the $100.00 increase... And for HOLDING the Payment until it was past due... They Know What Their Doing When It Comes to Overdraft & late fees... I also have an account with them... WE ARE BOTH Paying Them Off In Full Next Month... And Closing My Account... Hers is already closed... PLEASE DO NOT DO ANY BUSINESS WITH THIS BANK>>>APPLIED BANK CARD...

They charge $10.95 monthly fee plus $6.95 to pay online. If you are late the charge is $35.00 the over the limit charge is $35.00. they cashed my check for $8.00 instead of $80.00 so they charged me $35.00 late fee as well as a $35.00 over the limit fee. They told me they cannot refund charges you have to submit in writing a complaint but until then you have to pay your monthly bill plus your late/over the limit fees or you will be charged the next month $35.00 late and $35.00 over the limit. If the dispute is in your favor they will refund the fees bu need to pay them because a dispute can take 10 business days. I would steer clear of this credit card scammer.

APPLIED CARD BANK IS TRYING TO SCAM ME. READ THIS TO FIND OUT HOW CROOKED THEY REALLY ARE.

In June of 2007 my account with Applied Card Bank was referred to NCO Financial, a collection agency. NCO Financial, acting as the legal instrument of Applied Card Bank, negotiated a settlement agreement that was agreed upon by Applied Card Bank and myself. To be payed in 2 equal payments on specified dates.

On 6/22/07 I made the first of the payments by phone with the NCO Financial representative as agreed. I got my confirmation number and the payment was withdrawn from my bank account. The payment was reflected on the next statement that I received from Applied Card Bank.

On 7/6/07 I called and made the second and final payment with NCO Financial. I received my confirmation number and asked if the account was now paid in full. The representative said yes that the account had now been settled.

The following month I received a statement from Applied Card Bank. The second payment that I made with NCO was not reflected on the statement. Additional late charges, over the limit fees and interest were added to the remaining balance of the account.

So, I called Applied Card Bank. When I told them that the account had been settled with NCO Financial I was told that the account was under review. I found this very curious, so I called NCO Financial.

The representative that I had dealt with told me that Applied Card Bank had pulled all of their accounts from NCO on the day of my last payment and they were not able to debit my account for the final settlement payment. I was told by NCO that Applied Card Bank should honor the settlement agreement that we had made. So I called Applied Card Bank again. They again told me that the account was under review and not to worry about it.

So what happens next. I get a letter from another collection agency, Wolpoff & Abramson, stating that I still owe Applied Card Bank money. I immediately called Wolpoff & Abramson and explained the settlement agreement that was made with Applied Card Bank through NCO Financial. I was asked to fax the paperwork that I had with NCO to Wolpoff & Abramson, which I promptly did. This was done the first week of August 2007.

I have made repeated phone calls to Wolpoff & Abramson since then. On 10/05/07 I called them again, now feeling very frustrated. After I had explained the situation with the representative, he took my phone number and said he would call me back personally. He NEVER did!

On 10/12/07 I called Wolpoff & Abramson again. This time the representative said that Appilied Card Bank would not honor the original agreement that NCO Financial had made with me for Applied Card Bank. Instead, I could work out another settlement with them. At this point, they said I owed them more that I had originally owed in June 2007.

Honestly, I feel that Applied Card Bank is in breach of contract because they accepted my first payment on the settlement, which I made on time. Yet, they did not accept my second and final settlement payment, which I had made on time, as agreed. IF THIS ISN'T A SCAM, I DON'T KNOW WHAT IS.

I owe Applied Card Bank only what we had originally agreed upon. I am ready to take this to the next step legally but I am not sure where to begin. I just know that I am sick and tired of these big companies screwing people over. I am not going to take it anymore. I guess small claims court. I think I am in my legal rights to take this one to court.

Applied Card Bank is a ripoff artist and they should not be allowed to get away with this.

Good Luck getting ANYWHERE with this so called bank-they will be the first to lend you credit and the last to commit to any customer service. We have been with them for a few years and now my balance is down to zero-yet I am being billed for a 11.92 month maintenance fee? I totally agree if I HAD an outstanding balance-but I have NONE. I called the bank and spoke to someone who told me I HAD to pay it but I could dispute it through the FAX number [protected]. They refused to lower my interest rate of 29.99%-after paying them for a few years now... I am going to cancel the card. Well I just tried and their phone system is such a mess-it just keeps rerouting you to the computer link-giving you your balance and such-I tried to reach a human by reporting a lost or stolen card and I got kicked off the system and was told to call at another time! This is just another "bank" offering credit to slow/bad credit-the customer service is run out of someones bedroom. Choose another bank unless you are dying for credit.