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Applied Bank Complaints & Reviews

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Applied Bank - Nevada - Fees

Posted: 2013-05-24 by    Andylasvegas
Complaint Rating:  0 % with 0 votes
This Bank does not care about anything except charging fees. All they need is $.08 on deposit for its owners to make loans for a $1.00. You have to jump through several hoops just to contact them and you can hear the contempt in thier voices. My card expired and then they charged me $30.00 for a replacement card. They suspended my account for security reasons ie. (no current address). I had just paid the $50.00 annual fee bill that was sent to my address. It's very difficult to communicate with this Bank, its a scam, top to bottom. The CEO has definently engineered this operaation to prey on...

Applied Bank - impossible to make payment

Posted: 2012-12-11 by    toreason
Complaint Rating:  33 % with 3 votes
applied for secured credit card to reestablish credit, used it, tried to make my 1st online pmnt, website kept shutting down, i thought, no problem, surely i will be able to submit a pmnt over the phone, kept getting automated message stating technical difficulties, called all other numbers, was rudely transfered back to credit card dept w same automated message, i guess the late fee they will charge me is their way of funding their other financial ventures. Having much regret, this defeats my purpose of reestablishing credit. I will definately be closing my account ASAP! All togeher i have wasted...

Applied Bank - North Carolina, Matthews - Credit Card Fraud

Posted: 2012-11-30 by    wjbillyw
Complaint Rating:  100 % with 2 votes
I am in the process of preparing legal action against Applied Bank of Wilmington Delaware with regard to Applied Bank VISA and/or other credit cards. The basis of my legal action is fraud by withholding payments for 7 to 10 days after receiving said payment whether a payment is late or on time, excessive fees for said late fees applied by their practice of delaying account credits for payments received for the purpose of accruing additional interest charges and late payment fees and excessive fees for payments made using online debit card payments drawn on banking accounts from other banks and excessive...

Applied Bank - Delaware, Wilmington - fees, no way to get a payment in

Posted: 2012-08-24 by    wjbillyw
Complaint Rating:  100 % with 2 votes
This is THE WORST BANK ever. I have a credit card from this bank. I am a heavy credit user and make marginal income and often run my cards 10 to 30 dollars over their limits. I always catch up my payments before 40 days and I have six other credit cards that I make payments to online and otherwise. ALL of my other credit accounts including Bank of America, Capital One, etc. receive my payments immediately and credit them quickly. NOT APPLIED BANK! HUMONGOUS FEES for making a stinking payment and then they don't credit it for DAYS until a late fee is applied which pushes the card over the limit...

Applied Bank - outrageous fees, overcharges,thievery

Posted: 2012-04-20 by    bUBBA
Complaint Rating:  75 % with 4 votes
This is without a doubt the worst bank in the country to get a credit card from. These unscrupulous blood suckers will take as much money from as they can get. They hold your payment until it is late, just so they can charge you a late fee. They post payments late. They charge a monthly maintenance fee for nothing, and I mean absolutely nothing. Their customer service is non existent. I have had to report these crooks to the Delaware atty general and Delaware banking commission several times to get some satisfaction. BEWARE OF THESE CROOKS, RUN THE OTHER WAY...

Applied Bank - Unfair fees and charges

Posted: 2011-10-20 by    Dodonake
Complaint Rating:  100 % with 1 votes
In 2007, Applied Bank allowed me to enter into a hardship payment plan which would allow me time to pay down my balance free of finance charges. While in that plan my charging privileges were suspended and there was a strict stipulation that all payments had to be made on time or that the payment plan would be canceled. I maintained my payments timely and once the plan was ended and finance charges were again being applied, I was told that I would never regain charging privileges. Realizing that this was no longer a credit card account but simply a bill that I had to pay off, I continued to make...

Applied Bank - They stole $400 from me

Posted: 2011-07-10 by    bowens2c
Complaint Rating:  100 % with 2 votes
Applied bank is a scam. If you want a secured card and then change your mind, they will still take the money from your checking account. I asked for $200 to be taken out for the cost of the secured card.

I requested it for july 5th. I went and read reviews and saw that they were negative so i called and told them nevermind. cancel my payment. They said I would not be charged AT ALL. I cancelled on the 1st of July 2011. I look on my account on July 5th and there is $200 taken out. I was MAD. They caused me to overdraft on my higher one account that I only use for small things. Then...

Applied Bank - Florida - Illegal Collection Practices; Poor Customer Service

Posted:    E in Fl
Complaint Rating:  100 % with 2 votes
Four years ago I was trying to rebuild my credit after a bankruptcy. I was approved for an unsecured Applied Bank card. I made payments on time until about 6 months ago when I relocated to Florida. The job I came out for, wasn't there. I still continued to make the payments, but it became harder to do so. I found another job quickly, however it didn't pay as much. I fell behind. Then I started receiving the harassing phone calls. Then I had a checking account closed from under me. I had a payment scheduled but moved that over to my new opened checking account in the nick of time (that...

Applied Bank - Idaho - CANNOT get rid of them!!

Posted:    Ally C.
Complaint Rating:  100 % with 1 votes
I closed my account with the a-holes at Applied Bank a couple months ago. I did this because I was tired of them saying my bills were late, even though I had had DELIVERY CONFIRMATION on them!! I finally got sick of it and stopped payment on a check and instead payed online. Of course I was slapped with 4 different fees and they suspended my online bill payment privledges, my telephone payment option, as well as anything from my bank account. That left me with absolutley NO way to pay them except for MoneyGram(account info doesnt even exsist), send them a Money Order( but then it will be "late"),...

Applied Bank - California, Palm Desert - Secure Credit Card

Posted:    mrron
Complaint Rating:  100 % with 3 votes
Below is a formal complaint filed with Delaware Banking Commission against Applied Bank
Financial Company Information:
Credit Department
Bankcard Service Center
Applied Bank
Wilmington, DE 19850-5809
Telephone: 866-340-1774
Type Account: Not approved secured Visa credit card with $200.00 removed from my checking account via ACH
Persons I have dealt with at the above telephone number:
9/16/2009 0936PDT Agent/Shawna
9/19/2009 0843PDT Agent/Ileana
9/19/2009 1056PDT Bank Officer/Darlene


Applied Bank - Delaware, Wilmington - double billing and no help

Posted:    BillyB
Complaint Rating:  100 % with 1 votes
This company targets people with low to bad credit and charges monthly maintance fees. they state its to help report your credit but when you pull you credit report they show up under an area thats states companys that could be neg. affecting you credit score. They will not help with any credits they changed their cycle date for their montly fees from the 30th to the 1st and billed you two fees on one statement within the same billing cycle and will not issue credit for them. when you ask question about the fees they read a statement and will not give you a correct answer nor will they issue credits...

Applied Bank - Overcharged greatly

Posted:    Garrlem
Complaint Rating:  100 % with 1 votes
According to them I went over my credit line with $9.00 and was charged a $35.00 overlimit fee. No matter how many times I ask them to find where I went over on that overlimit they can only tell me that I went over and there is nothing they can do about it. I then told them I was going to go go ahead and payoff this account by paying them in full the balance of $1, 144.19 including the $35.00 overlimit fee and ask them to cancel and close this account immediately. I was than told that even if I payoff the balance I would still owe them another $35.00 of overlimit fees for the month of March statement...

Applied Bank - Delaware, Wilmington - Rip off Artists

Posted:    Nightsider
Complaint Rating:  100 % with 3 votes
I stopped Applied Bank BEFORE they could rip me off. This story actually has a happy ending, and I hope anyone who has been ripped off by these knuckleheads learn from my experience:

I had applied for a secured credit card from Applied Bank in August. I sent in the 250 dollars and was approved.

A week went by and decided to look up the site and see when I could expect the card. I had a question on what happens to the deposit I made and decided to look it up in the FAQ section of the site. There was no information whatsoever there, the first red flag.


Applied Bank - New York - Excessive Calling and fee's

Posted:    Joshua2009
Complaint Rating:  100 % with 2 votes
I applied for the card ($500 card) in 2007. It is now Saturday July 4th, 2009 and they just called me again. (this is the 3 rd time in the past 2 years they have called me on a Federal Holiday) They call non-stop when I am late on a payment. I have made some regular payments they requested ($37) a month and I have made other payments of $40-$75..but I did miss a few payments here and there. They have verified I have made almost $400 in payments since I have had the card. My current amount due is $957.23. They charge a 10.95 monthy fee, they charge 12.95 to pay by phone, they charge last fees AND...

Applied Bank - Harrassing phone calls

Posted:    Lisa
Complaint Rating:  100 % with 4 votes
Applied Bank has been calling for 4 years for someone that has not had this number. I finally got a number out of one those idiots. I told them for the past 4 years to remove my number. So today after i cursed them out for the hundredth time. I call them back. They claim it takes 48 hours to remove the number. Wrong because they are still calling. I will report them for harassment at the BBB and other authorities. Enough is enough. I do know that they are outsource to India. They use American Names (saw it on a Documentary last month)
Caller ID: Unknown, Private, 223-987-5001, 877-208-3928

Applied Bank - Texas - Credit Card SCAM

Posted:    tdrechsel
Complaint Rating:  0 % with 0 votes
We settled and closed a credit card with Applied Bank back in March 09. They keep sending us a bill saying we owe processing fees, late fees, and more. When we called and FINALLY got through to a customer service rep (I use this term very loosely), we were told they have NO notes on the settlement... Even when we gave them the extension numbers and names of the reps at Applied Bank whom we spoke with, they said there was nothing they would do. This is a complete scam - next stop is the AG office. Stay away from Applied Bank!!!...

Applied Bank - Secured Card rip-off

Posted:    Jul Franz
Complaint Rating:  100 % with 6 votes
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...

Applied Bank - fraud

Posted:    nicolelaughs
Complaint Rating:  100 % with 1 votes
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. ?!?!?!

Applied Bank - Delaware, Wilmington - Scam and cheating

Posted:    Valerie
Complaint Rating:  100 % with 4 votes
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...

Applied Bank - Rhode Island, Providence - Fees and charges

Posted:    liza n.
Complaint Rating:  100 % with 3 votes
Applied Bank is just a bunch of scammers sitting around and bilking marks(unsuspecting customers)... If there is any justice in the world the I.R.S., attorney General, F.B.I., will soon be raiding these idiots office (if they even have an office bldg.) and to give people a heads up: the Better Business Bureau is in bed with these people (as long as they pay their dues)......

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