If Cross Country Bank is so bad, can you people explain to me why when I called the Better Business Bureau in Wilmington, DE they told me CCB is a member and their rating is "satisfactory"? If they are such monsters, why would the Better Business Bureau lie to me about them?
I would take the word from thousands of abused consumers than from the BBB, but if you want to take their recommendation it's your funeral. Do a search you will see "true stories" about this crooked bank.
STAY AWAY ... They will make your credit worse before better. They are crooks. My cousin is paying for it now. They post payments wrong, late, etc. load you down with fee's and sell your name to everyone.
Unfortunately for us it is too late. We own a home, have a brand new car, but no credit cards. I had problems and have several charge offs from other banks that are 3+ years old. My mortgage company does not report to the credit bureau. My auto loan is through Nuvell Financial (a GMAC affiliated company) and is a year old (never paid late), and we were trying to get two credit cards to re-establish credit so that we could get better ones. So, to make a long story short, we got a 1st Premier Bank and CCB Gold Card, and then I stumbled across the barrage of CCB complaints. We have already used the card, just got it a week ago, and my 1st payment is due on April 6th. However, I am becoming VERY concerned as we have not received a bill yet. I have had the 1st Premier Cards for 2 months and receive the bill in plenty of time. (Incidentally 1st Premier is one of the 3+ year charge offs and they still gave us both a card). Now, I cannot cancel the CCB card, and after reading the posts here I am VERY concerned. I just lost my job and we don't have the money to pay off CCB. I have a feeling my credit is about to go down the tubes again, oh well, what else is new? I tried getting other cards and NOT one would give us one, even with the 1 year auto loan paid never late, and a 3 year auto loan from Ugly Duckling Corporation, paid never late for 3 years!
I guess just be on top of CCB. Just seems that they do pray on poor credit / limited history consumers. Good luck hope thinks get better for you.
Your mortgage company DOESN'T report?? Who is your mortgage company, that is not good. I would strongly suggest you pay as much as you can with the crooks and then close this card pronto.
My mortgage company is Provident Bank in Cincinnati, Ohio. They do not report because other banks steal mortgages out from under them if they do. Have you ever heard of anything so stupid? So, I pay my mortgage and get no credit for it on my credit report. There's nothing I can do, my credit is not that good and we bought the house 2 years ago, the mortgage has a 3 year prepayment penalty, therefore I am forced to keep it until December 2001. Then I will refinance and hopefully find a mortgage company that reports!
The BBB in the SF Bay Area has over 1000 complaints about Cross Country. CCB as the worst reputation in the credit industry and my personal experience with these crooks still gives me nightmares. Do an internet search. Cross Country is dishonest, abusive, and it will cost you more than you can imagine.
Lucy, Apparently you can now register and pay your account online. Then you won't have to worry aboyt getting your statement in time to mail it. It's here: https://ccbonline.crosscountrybanking.com/ccbonline.cgi I don't know how well it works - I don't have their card. Good luck!
Breeze, No thanks. I have read the stories about how they steal money out of people's checking accounts. I intend to send them a money order, certified mail, return receipt requested. That way, there will be no disputes. And I also intend to get rid of them as soon as I get a job. But anyways, there is no way CCB is getting my checking account number.
Geez, where do I start. Here is what we know: 1. CCB tosses money everywhere, so many donations to "worty causes" may help the BBB look the other way... 2. Multiple former and current employees telling scary stories re CCB...all of them going into the class action (5 of them) files.. 3. The CA class action had the judge toss them out of court with their so-called "settlement"... 4. Their employees scan the web, post filth, insults, etc...just to give you an idea of their style on the phone.. 5. There is documented proof of everything that has been accused...held payments...phone harrassment..bogus charges...etc.. Yes, it amazes me re the Wilmington BBB...but knowing what most state's AGs and BBBs do (pretty much gutless and toothless), it really means nothing.. If you want verification of all I am saying, just apply for the card...
Lucy, I'd find out there payment address for Express mail payments. And run to my local post office to pay a payment, maybe they'd even let you know the minimum due on your account. Be sure and write your account number on your check or money order in case a problem arises. Don't wait for your statement to come.....It might never come, or arrive well after the due date, then you'll incur late charges needlessly. Keep us posted.-T.Burdine
