Cross Country Complaints Page 5

I have wrote a check to Cross Country Bank for someone I know once. He was late on his bill this past July and Cross Country Bank had taken out money from my checking account without my authority to pay for his Cross Country account at another time. When my friend had called to pay for his late payment, that was when they told him that they already processed the transaction. He had no idea that they were taking money out of my checking account. He told them to stop the transaction, but they said they already processed it. He told them it is illegal to take out from someone else's account without permission. They agreed, but said it is too late.

Cross Country Bank representatives told my friend to call my bank and tell them to stop the transaction. I have called my bank, Wells Fargo, and notified them that there will be or is a transaction of $140 taken out of my checking account that is not from my transaction. Wells Fargo didn't see the transaction yet, so they told me to call them back when there will be one. I called Cross Country Bank right after I hung up with my Wells Fargo Bank and told them that they took it out from my checking account. One of the reps said, it is being stopped and it will be cleared.

Couple of days after, I received a letter from Wells Fargo Bank stating insufficient fund notice. I've called my bank to find out what was going on. They had told me that Cross Country had not been credited the money to my checking account. Since I didn't have balance to cover $140 payment from which is not mine, it was withdrawn and was charged. I was very furious.

I called Cross Country Bank and complained that it was not credited yet, they had told me to get the statement from Wells Fargo and send it over to Cross Country. Then they will pay my money back. I told the supervisor why I have to go through all this time consuming issue for which it was not my fault, he had told me there's nothing he can do but just get the statement. He didn't even apologize of their inconvenience service and was demanding me to send the statement over to them.

This is ridiculous. I have to use my time to go back and forth to bank to bank to get my money which Cross Country Bank had taken out without my permission. I also have account with them, and when I was complaining about this issue to the supervisor he was mentioning my account that it was delinquent, which I already paid my payment. The supervisor didn't seem so considerate and only thing he was worried about was my CC Bank account. I also have many problems with their payment plans, over limit fees, late fees, and more. I've called so many times with the complaint but they never did try to help me out with the complaint. I was never satisfied with their service, and I have tried many times to close the account. This is just so insane. This is nothing about getting my money back. This is about being treated fairly. I would like to take this into a legal action and if there is anyone out there who also has any problems with Cross Country service. Please email me at SandraHYKim@yahoo.com

I have a delinquent Visa account with Cross Country Bank, in the amount of $2,003.93 I recently enrolled the account in a debt management program, and sent a letter to them advising of this. I asked that they cease and desist all collection calls, and I was attempting to resolve the matter and make timely payments through this program. My roommate received a call one evening from a male pretending to be a friend. My roommate told this man I wasn't home, and he became belligerent, accusing my roommate of lying (as if he were me). He continued the call and disclosed the balance and delinquent nature of my account to my roommate. The caller refused to disclose his name or where he was calling from. He mentioned he was calling from Florida. He also refused to transfer the call to a supervisor. The caller knew the name of bank and said that he had my checking account information. He stated he was going to electronically debit $2,000.00 from my checking account, and he needed to give me a "confirmation number."

I have never authorized such a transaction, and my roommate refused to allow him to read the code. The caller threatened to run it anyway, and it it did not clear, then they would "come after you for writing a bad check." My roommate argued with the man for several minutes (he knew the law better than the caller), and the caller hung up. My roommate immediately called me, and I had a note placed on my checking account. He also called Cross Country Bank back, and told them to discontinue calls to his home or phone - both in his name. The tried to tell him they could do whatever they wanted, and hung up on him.

The security code on the caller ID was '87," the last two digits of the phone number called from. These are the same two digits that show up every time they call - sometimes 5 times a day. I have stopped answering the phone at home and work. The other day, I received a notice from my bank advising that a check for $270.00 had bounced. I didn't recognize it, and the bank rep told me it was an electronic draft from Cross Country Bank. I NEVER authorized anything!

The bank closed my account immediately, and I had to contact all of my creditors. Because the bank and debt manager needed to process new account info, my first credit counseling payment would be delayed 30 days. Not only did Cross Country Bank delay their own payment, they jeopardized my agreements with other creditors. I printed an online copy of the "check," and it clearly stated, "authorized by (my name)." Then I received a letter and statement from Cross Country Bank. They had the nerve to charge me a fee for "internet/phone payment" processing, and a "returned check fee."

I wrote Cross Country Bank a letter, demanding the fees be reversed, and to present proof of the transaction from phone records. I also wrote letters to my state attorney general, the Delaware and Florida bank commissioners, the Federal Trade Commission, and the Office of The Currency. I have received a response from the Delaware Banking Commissioner's office; they are investigating. I did some research and found that Cross Country Bank has violated the Fair Debt Collection Practices Act. They are an unprofessional, unethical and hostile company to work with. The only way to truly stop this is to let the appropriate agencies know, each and every incident. I strongly urge anyone who feels they have been harassed to write:

Office Of The State Bank Commissioner
State of Delaware
555 East Loockerman Street, Suite 210
Dover, DE 19901

Correspondence Branch
Federal Trade Commission
Washington, DC 20580

It is VERY IMPORTANT to keep these agencies informed. The more voices that are heard, the faster action can be taken.

Boy oh boy, I knew I was not the only one having problems with CCB. I also have two accounts with them. I have had so many problems I don't know where to start. One thing that ticks me off is I can send a payment 7-10 days before it is due, and somehow it will post a day after the due date so I get late fee's charged on my account. Another thing that makes me mad is their annual fee. There is no advance warning that they are going to charge you, and then WHAM! it appears. I usually run close to my credit limit, and after they charge me my huge annual fee without notice, I also get an over the limit fee. I have given up the fight with them, but opened my mail this morning and noticed a CLASS ACTION LAWSUIT against them. They had overcharged fee's when you first get the card. CCB wants to make it up to "us" by reimbursing us over a 4 yr. period. ($7.50 a year), or by giving us a credit increase without charge. I DO NOT AGREE! I don't want to accept this because they charged interest on THEIR fees, which we all paid for.

I don't want a credit increase. The craziest thing about this, is it does not matter if you have two or more accounts with them, they will only reimburse you for 1????? What is up with that. I do not have an attorneys name to get a hold of for our rights. All I know is Melinda Allec, and individual., Christopher Torri, Christina Goodman, Kenneth French, and Nita French have started it for the general public. Does anyone know how I can get a hold of someone to put my 2 cents in? I don't want to settle for 7.95 a year for their $30+ mistake. This is filed in the Superior Court of the State of California, Orange County. Case # 802894.

This site was last updated on: Tuesday, June 23, 2009 1:05 AM