WILMINGTON, Del (Reuters) - Leading credit card issuer Cross Country Bank sued America Online Inc. (NYSE:AOL - news) and Bank One Corp. (NYSE:ONE - news) unit First USA Bank for allegedly initiating electronic wire transfers without authorization. In a lawsuit filed in the U.S. District Court in Delaware, late Friday, Cross Country said First USA processed credit card transactions between AOL and its customers without obtaining the required authorization from Cross Country. In addition, the lawsuit charges that the defendants also processed ``hundreds of thousands'' of transactions where authorization had allegedly been denied. ``First USA and AOL's violation of the...operating regulations as acquirer and merchant respectively was a breach of their contractual agreement with Cross Country, a fellow member of both Visa and Mastercard,'' court papers say. Cross Country Bank charged the defendants with breach of contract, fraudulent misrepresentation and violations of the RICO (Racketeer Influenced and Corrupt Organizations) Act. The RICO charges stem from an alleged ``pattern of racketeering activity...for the purpose of obtaining unauthorized monthly fee payments,'' the lawsuit said. Cross Country has asked for a jury trial on its demands for an award of actual damages of more than $100,000 and unspecified punitive damages. First USA Bank spokesman Jeff Uncle said the company did not comment on pending litigation. AOL spokesman Rich D'Amato said the company's attorneys had reviewed the complaint and said ``it is focused on a dispute between Cross Country and First USA and does not appear to involve conduct by AOL.'' Shares of AOL closed up $1.38 at $55.13 on the New York Stock Exchange (news - web sites) on Monday. Shares of Bank One closed 15/16 at $37-11/16 on the New York Stock Exchange.