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Applied Card Bank aka Cross Country Bank

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Subject: Applied Card Bank aka Cross Country Bank
Posted on Tue Dec 11, 2007 1:58 am  

I have been battling Applied Card Bank for the past 10 years to get them off my CR.

I followed all the rules and tried to validate the the account. I was waiting for the 30 days to pass and they did respond to my Validation Letter, but they only sent me a copy of a credit application from 1995 that may or may not be mine. It was photo copied but illegible.

In my Verification letter I asked for itemized reciepts etc... Their response was that I had to pay the a copy fee for the statements.

I responded by letting them know that copy fee's were illegal. I have not heard back from them.

I send the CRA all the info but they have not removed them off my report.

Any ideas? I cannot really sue because I am currently out of country till next year, but I need my account cleared before I apply for a mortgage in July next year.


Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California

30065 Magic Points

Posted on Tue Dec 11, 2007 11:25 am  

Dispute it with all the CRA's. That might help. Send the copies of the proof if you have them.
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Miranda McNamara

Subject: Class Action Law Suit
Posted on Wed Jul 21, 2010 8:00 pm  

I've had the same problem with this bank and think we ought to consider a class action law suit. I never even had a credit card with them yet recieved a letter from a collection agency stating I owed them money.

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