I have not received a statement from this company in three months. I have had to pay the automated phone fee and the long distance call for three months. Now, since I did't know when my payment was due I have to pay the late fee. And since I have it almost maxed out there will be an over limit fee. Does anyone else have this problem with them?
Kathy you are not the only one dealing with Cross Country. My wife and I both obtained a card from them. Cross Country then began charging us over the limit fees when we were not over the limit. We have tried to get them to correct the bill however they say they will and don't. It has come to the point that I refuse to pay the bills so now they continue to call me at home and work and as of today they have not taken care of my bill. So I know where you are coming from and wish you luck.
CROOKS COUNTRY BANK, The worst lenders in the sub-prim market. Kathy and Mark CCB is the biggest bunch of crooks in the business. Get away from them if you can.
The Fair Credit Billing Act requires that a creditor send you a statement if you have a balance. CCB will tell you they do it as a courtesy, etc... File a complaint with the FDIC, and the DE State Bank Commission...and, of course, put your issue in writing to CCB if you have not already... Realize it is your responsibility to make sure the address is current, etc.. CCB will fight you on this as they do with all of these types of issues...hence the need to get the other agencies involved...
Has anyone forwarded these messages about CCB to the Attorney General, Justice Department? All they need is a compelling reason to investigate and from what I've seen I'd say they might be interested? A call to "60 Minutes" or "Dateline" might not be a bad idea either. Look what a little bad press did for Providian.
It really isn't as simple as you make it out to be re: Providian. Rather, it started with a class-action suit brought upon by a local resident (San Francisco where Providian is based) trial lawyer with bad credit who was one of the many 10's of thousands that Providian screwed. The fact that the case took place in San Francisco also had a large bearing as this is known as probably the most activist and consumer friendly city in the US. Once the case looked to succeed and the media jumped in, then and ONLY then, did the DA's office and the other government agencies follow. As far as 60 Minutes or Dateline you must be thinking of the First USA debacle. First USA is a "prime" company that in order to make up for merger costs and wild claims to its new shareholders that it would be returning huge profits "thought" it could do this by instituting the worst of the sub-prime ripoff methods. As it turned out the narrowminded and arrogant management couldn't forsee but what anybody with a brain could would that there would be MASS DEFECTION of customers to other banks, quite unlike the sub-prime world where those with bad credit have few options and are basically trapped. Those that remained had the "means" to hire attorneys and make themselves be heard and taken seriously by the media ("prime" customers are not looked down as "deadbeats" as is the case with sub-prime). Cross Country offices are located in Delaware and Florida, both states which are notoriously corporate friendly. While I have heard of ONE class action suit being filed I am not aware of when this is coming to trial and there is virtually no negative publicity in the media concerning CCB. As for the Attorney General, FTC, Banking Commission you can forget about them at this time as they only go after 'sure things' such as Collection Agencies.
I know exactly how you feel. I have had nothing but headaches with CCB. They have the worst customer service and GOD forbid your ask for a manager they will always take a message and you will never get a call back. I have only been with them for a couple of months and I have always paid on time but they never seem to be able to post it on time and dont payoff your amount they will be sure to screw that up. They have no 800# and charge for anything automated. They suck and I am going to cancel my card as soon as I can figure how badly they have screwed my accounts that I have direct debit with.
RE: # for JEANETTE Jeanette, try this # you won't get charged, even to check your balances. 800-750-9977. I agree with you about getting away from them. The sooner the better B_4 it get's worse, and it will get worse. Good Luck!!
Just for your information, you can no longer get in touch with cross country by using the 800-750-9977 number, they now have a recording saying the number is no longer in use.
I guess since it was free like all other banks they were losing to much by not being able to charge 50 cents per request. So instead of looking like a normal bank that appreciates their customers, they went back to being the CROOKS THAT THEY ARE. Just another way for CROOKS COUNTRY BANK to screw their customer. The bad thing is their so stupid, they think this is the way to treat good custiomers.
