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Applied Bank / Scam and lies!

Wilmington, DE, United States Review updated:
5
Contact information:
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!
Va
0

Comments

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D
  27th of Mar, 2008
Agree Disagree +1 Votes
How about just not paying...who cares about credit anyway? it always takes your money...just pay cash and say ciao!!!
An
  27th of Mar, 2008
Agree Disagree 0 Votes
Has anyone filed a lawsuit against them and if so whats the info so I can sign up I really need this off my credit. PLEASE HELP!!!
Ja
  12th of Aug, 2008
Agree Disagree 0 Votes
applied bank, just like all other credit cards, give u contracts. the cardholder is responsible for abiding by the contract and if they dont, it cleary states all the fees that are taken place. if u cant handle the facts, dont do what u dont know!
Li
  26th of Aug, 2008
Agree Disagree 0 Votes
Were do i begin with these scamers closed my account after i got my aug bill they charged me 8.00 for using there free customer number its not free then a 10.95 maintenance fee that put me over credit limit then a 32.00 over limit fee after that i closed my account .
La
  8th of Oct, 2008
Agree Disagree 0 Votes
Absolutely ridiculous. Just when I thought they couldn't go any lower...I closed my account, paid almost $300 to pay the balance in full which included the $13 phone payment fee. I got some guy saying "yes your account is now closed...no you will not receive anything else in the mail...your confirmation # is xxxxxx." Then, just because I know these rats, I check my account online and sure enough, they kept my account open and charged me monthly maintenance fees after this date, with interest, and more! How is this allowed to happen? Why are we screwed? This is extortion! limitlessly charging people money, so if they don't pay they can screw your credit report and keep a bill for you, keep charging late fees, etc. How is this guy allowed to stay in business? He just changes the name of his bank and starts his criminal activity all over again. This should not be allowed to be called a bank, it should be put in the category of the mob.
On
  26th of Jan, 2009
Agree Disagree 0 Votes
I made the mistake of going to one of those sites that "rates" credit cards and applied for a card from Applied Bank. They did tell me in the description that once Applied Banks sucks your money out of your account for a secured card that it will take six weeks to process your card. So after having my money for 17 days, I called and figured something might not be right, so I just wanted to get my $500 deposit back. They don't even have an 800 number, it is a call YOU have to pay for! The customer service agent was polite, but not knowlegeable at all. I told her I wanted my money back, and she immediately asked to place me on hold (at least she DID ask permission). After a bit of a hold, she came back and told me it would take at least 2 more weeks to get my money back. I have been in the call center industry for over 10 years, and I have worked with banking institutions. This is rediculous for Applied Bank to do this. Essentially, I told her, if they have at least 2, 000 customers who applied for the card at a $500 deposit, Applied Bank has one million dollars to play with without the CUSTOMER getting the benefit of using their own money. She then told me that actually it could take up to another 30 days to get MY money back! I asked to speak with a supervisor thinking that perhaps the supervisor could expedite the process. That turned out to be a nightmare. I spoke to a "supervisor" named Felicia. She was absolutely horrible with NO customer service skills whatsoever. She kept cutting me off, telling me that "they" are the ones over at processing or the credit department that make the policies, that HER department has nothing to do with it etc. She kept trying to over talk me when I spoke to her, and she rudely put me on hold without asking my permission which is a STANDARD teaching point in the call center industry. She assumed absolutely NO team responsibility to see to my needs as a customer, nor did she make any attempt to provide any kind of customer SERVICE whatsoever. All she did was blame the other department and speak to me in a condescending and rude manner. I was passed over to someone called George (no last name). He went through the motions of providing an insincere apology for Felicia's behavior. I advised him that she should be spoken to and advised on how to treat a customer. She shunted that aside and wanted to know why I was calling. I again advised him that for the benefit of his company that there needs to be re-training for Felicia on her customer service skills. To sum it up, I suspect that he and Felicia will only be talking about how annoying "these people" are who call, and it will be business as usual. George also was providing no solution nor any attempt to assist me as a customer with my situation. I AM the one who had to come up with a potential solution to my issue to which he agreed. Now we'll see if he follows through. This group knows NOTHING about CUSTOMER SERVICE nor seeing to the needs of the customer. Bottom line, my advice is avoid this group like the plague. You will be doing yourself a favor, save yourself a headache and time. I do not become upset with customer service people because I have been in this business for so long and I understand how challenging this work can be. But Applied's polices and FELICIA managed to ring my bell. That is why I am on here writing this lengthy comment. Be ware!!
On
  26th of Jan, 2009
Agree Disagree 0 Votes
I want to correct my statement above. They did NOT tell me in the description that once Applied Bank sucks your money out of your account for a secured card that it will take six weeks to process. Also, they do NOT tell you that they are going to do a credit check. The credit check is one of the reasons that they were stating that the process takes so long. I've run credit checks on consumers before too. Takes all of about 10 minutes, most of which is putting the information in the computer. It comes back quick. More lies by Applied Bank.
Db
  9th of Feb, 2009
Agree Disagree 0 Votes
I am in the process of trying to get my money back as well. At this point I am going through the process of the legal affidavit with my credit union, after 3 weeks of them promising to reverse the charge in 24-48 business hours. I am so furious with this company. I am looking for the lawsuit information as well. We need to do a class action.
Ra
  18th of Mar, 2009
Agree Disagree 0 Votes
just a follow-up to my previous complaint. i have contacted the BBB in Delaware, and the State Banking Commission. if i have to take it to the state Attorney General's office, so be it. they f#*ked with the wrong person this time.
Ge
  30th of Apr, 2009
Agree Disagree +1 Votes
Applied bank are nothing but rape artists...I thought rape was illegal in this country! We went from owing them $350 to over $1200 and had to fight with them to close the account. The "mob" probably had better rates. Their customer service employees either do not speak english or the have less then a high school education. If our new president has any gumption he needs to crucify these criminals. Never again..its cash and carry only.
Ap
  15th of May, 2009
Agree Disagree 0 Votes
I hear form ppl that work for this ### company and they treat their employees worse then anywhere. You ppl are being lied to everyday, the company is outsourcing people and India is messing more ppls accnts up then usual. If u have this card idk y! U have to always read the fine print this card is truly the biggest scam ive seen in awhile. The best part is in order for any of u guys to get into there hardship prgrms u have to have 1 of ur family members die! lol "Im sorry Mr. cardholder u have to have 1 of ur family members dead or a natural disaster, oh u just need help paying your bills no problem just kill ur wife and kids and flood ur house an call us back to be enrolled in our ### prgrm". BTW george was fired felica was fired the collection floor from what i hear is down to 30 ppl an still firing. The biggest scam with this company is if u nvr ever miss a payment an u miss 1 ur apr is 29.99 wow. u get montly maintence fees too wtf. STAY AWAY FROM APPLIED ###
Ca
  11th of Jun, 2009
Agree Disagree 0 Votes
My experience with applied bank:

After submitting my application I read on their website that it could take up to 30 days to process everything and get you your card (this was for a secured credit card). When I had called they said it would probably take around 5 days once everything was set up, but money was too tight to risk it.

So I called to have the account canceled. The girl I talked to says sure, we can cancel your account, but once we get the money it will take up to 30 days to do a refund. Now, the email I got from them initially after submitting the application said that if they cannot withdraw the initial deposit for ANY REASON, the application will be denied and that will be the end of it.

So I got the great idea to empty my account so my bank wouldn't put that deposit through. Sure its a $35 NSF fee but thats worth it to avoid waiting 30 days in my opinion.

So the payment gets denied, I think everything's great, my applied bank application cancelled. Right? WRONG! They kept hammering away at my account trying to get that payment through. You wouldn't believe the NSF fees I racked up. Luckily I had some money coming in so it wasn't such a big deal, so I figured what the heck I'll just get the card as I wanted a secured card to fix my credit anyway.

So I call, ask them to cancel my cancellation and the girl goes "I don't show that this has been requested to cancel". Now, not only did I request the cancellation but per their email my account should have been denied something like 5 times over for all the failed withdrawals, and she's not seeing any of this. What the heck?

So I verify the account, do the song and dance to get the card, and ask how long it will take before I can get it. 5 to 7 business days she says. Alright, good enough. A week later I call and ask for status as I havn't received the card yet.

"Sir, did you request to have this cancelled? Yeah...last month I see a cancellation request. Its going to take 30 days to process this."

WHAT? They were hammering away at my account trying to take that money out...JUST SO THEY CAN TURN AROUND AND REFUND IT (UP TO 30 DAYS LATER)? I am going ahead and getting the card, because like I said I need one and they've already got my money, but I will shed blood before I let my account get into any kind of trouble that would require me to deal with these people.
P1
  12th of Jun, 2009
Agree Disagree 0 Votes
They suck. Period. I will squawk like crazy and be a total pain in their ### if they don't refund the $300 I put up to get this stupid card. They've even got an A+ by the BBB and others but are the biggest scam in the world. IF you have this card, CANCEL IT. Don't bother calling their listed support number, call 484-840-2705 to cancel this scamtastic card, you should get someone in the US. It took me 4 calls to 877-208-3928 to get that number, and their listed customer support number goes to an automated system that will NOT transfer you to a representative, it just keeps looping. ARRG how annoying. If I run into any problems getting a refund or getting calls I'll repost and start a f---in lawsuit and start being a REAL nuisance. Seriously.
Va
  13th of Sep, 2009
Agree Disagree 0 Votes
They took my money on 9-1-2009 and 13 days later my application is still pending. They have had my money for almost 2 weeks and my app is still pending. They have called me 3 times asking me to verify my info and every time i quickly called them back and gave them info they asked for. You would figure once would be enough but i just got a 4 th call today asking me verify my info again for a 4th time. This is a stalling tactic so they can keep using my money to invest or get interest off of it as long as they can. I called today after reading reviews for hours about how so many people are getting scammed this way and not getting thier money back for months some times. So in the time it takes to get your money back they have made money off your money with out even issuing you a card to take a risk i guess hoping you would get fed up and cancel the application and they get more time to use your money with out any risk from you. Once they have milked your money they return it.
Ke
  18th of Sep, 2009
Agree Disagree 0 Votes
yeap, they got me too. just paid almost 400 dollar on bill and still got hit with $80 in misc fees. i called to argue with the company and the result was---too bad. suck it up. deal with it. they suck. they are scam artist. and once you get a credit card from them it is like the IRS---so many fees you can never pay the stupid thing off! if anyone is thinking getting in with this company --forget it!!!
Bi
  21st of Sep, 2009
Agree Disagree 0 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 for the two fees that they charged in the same cycle. STAY AWAY FROM THIS COMPANY BAD NEWS. they want to take the american money and pay foreiner to work for them instead of keeping the money that we spend with them in the US. I hope they get fined, and go thorough a major law suit.
Ba
  23rd of Jan, 2010
Agree Disagree 0 Votes
Scam, possible. Terrible service from CUSTOMER SERVICE etc etc etc
This is one reason why America is becoming a country with bad rep
Sm
  27th of Jul, 2010
Agree Disagree 0 Votes
WELL MY REASON FOR THIS LETTER IS BECAUSE EXPERIAN SEND ME A COPY OF MY CERDIT REPORT AND THIS ACCOUNT CAME UP AND I HAVE NEVER HAD THIS ACCOUNT EVER WITH YOUR COMPANY SO CAN SOMEONE HELP ME WITH THIS MATTER MY # 718-679-2442 MY NAME IS ANGELA
My
  27th of Jul, 2010
Agree Disagree 0 Votes
You can call the # on the account that was used by someone else and also send them a letter. Call and write to the Secretary of State in your State for help. Call the credit bureau too. There is something call a fraud alert you can place on your credit until you have it resolved. It is free and worth doing.
83
  13th of Oct, 2010
Agree Disagree 0 Votes
Applied Bank is a joke!!! I applied for one of their secure cards and gave them my checking account and routing number for payment, but decided to cancel my application thanks to the horrendous reviews I was reading about them online. Anyways, the next day they opened (Monday), I spoke to one of their ghetto call reps. (Alexcia) who told me it would be cancelled, yet they (Applied Bank) still took money out of my bank account two days later. I filed a complaint with the Federal Trade Comission and would urge everyone to do the same. I'm curretly working with my bank to have the funds restored. Oh, and each time I called Applied Bank to complain about the error, I got a looped message that kept saying their lines were busy and that I would be on hold for 5 minutes. Roughly 25 minutes later, I got through. Thanks to the french woman with an accent. I'm sure she had no idea what I was talking about!!

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Applied Bank Logo Applied Bank
Customer Service
Overall Satisfaction Rating

41 Reviews
2200 Concord Pike, Suite 102
Wilmington
DE
United States - 19803
1 302 326 4200
1 302 467 4985
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