This is incredible! In the last year I've had these 3 late postings and 2 payments that Cross Country Bank says they never received, totaling $135.00 in late fees. Customer service seems to have no interest in anything but being rude and making threats about "destroying" my credit. I have sent proof of payment for 2 incidents, but one representative has said "that doesn't prove anything." I have made honest efforts to pay on time and to rebuild my credit for nearly 5 years. I'm very concerned about what Cross Country Bank is doing and am now reading all the many terrible experiences others have had. Most frightening is how similar these awful stories are to what I'm going through now. Any suggestions as how to deal with Cross Country Bank? I am very worried about the unjustified fees, one after another, and upset about being treated like garbage by a customer service department that will do nothing to resolve this mess.