Business Profile

Bank

Applied Bank

Headquarters

BBB Accredited Business A+Rated by BBB

Need to file a complaint?

BBB is here to help. We'll guide you through the process.

File a Complaint

Complaint Details

Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

Initial Complaint

09/18/2022

Complaint Type:: Billing Issues
Status:: Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

This company is very aggressive in late payments and also on reporting very inaccurate information on my credit report. Many violations under u.s.c 1681 a. Furnishing information without a written instruction by me. A consumer Reporting agency cannot furnish information without consent. They are damaging my life please help me.

Business response

09/29/2022

September 29, 2022 I am writing in regards to the September 18, 2022 inquiry concerning Ms. ******* ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ****** via written correspondence mailed on September 29, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ****** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** ***r Executive Correspondence

Customer response

10/20/2022

Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.

**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.

This company is claiming to report 100% accurate on my credit report but its not there alot of inaccurate information across all 3 bureaus very negative information with out my written consent im providing a screen shot please review Last active Last reported Comment section Balance Date opened Review download thoroughly

select

Desired Outcome:

Correction to a credit report; Delete immediately

Regards,

Complaint ID: 18042431

Business response

10/20/2022

Business

Most Recent Message

Date Sent: 10/19/2022 2:58:04 PM
October 19, 2022 I am writing in regards to your October 5, 2022 follow up inquiry concerning Ms. ******* ******* The inquiry was referred to me for further review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ****** via written correspondence mailed on October 20, 2021. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, Karen Weir Executive Correspondence

Initial Complaint
08/16/2022
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Upon finally checking in on my credit, as I’ve just started learning more about it, And I’ve come across numerous erroneous accounts, and have to add this one to the list as well. I’ve never had any dealings with Applied Bank or it’s affiliates and as such are demanding that this account/tradeline be removed from my credit reports immediately and permanently (Transunion, Experian, Equifax) I’ve already established numerous contacts with all the major credit agencies and have gotten numerous fake accounts with my information used to open them, removed from my reports, and this one should be no different. Their trade line is showing a past due balance of 1,189 charged off, with multiple missed payments, which is destroying my credit because this account is not mine. You can see from other reviews on here and Google that other people have dealt with the same thing. I AM TELLING YOU I do not owe you all anything, nor have I had ANY dealings with you all. My attorney has advised me to file a formal complaint on an open forum to give this company one final chance to rectify this situation. If not, legal action will be filed and litigation will commence. I am finally getting my financial future to the place it needs to be and I refuse to allow false or erroneous accounts stand in the way of my financial freedom.
Business response
08/25/2022
August 25, 2022 I am writing in regards to the August 16, 2022 inquiry concerning Mr. Deandre *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ***** via written correspondence mailed on August 25, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
Customer response
09/01/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.

**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.

I have not received anything via mail, they have not done anything but send me an email telling me to call them, or a particular lady, to which I need this resolved and put out so everyone can see because I’ve had bad experiences with companies and they try to do this so you don’t complete the process on the public forum so they can not have a bad mark on their business. I responded to their email, telling them to talk about the matter on here, but it has been a week with no response. I feel they do not want to resolve this matter, and that it’s not too serious to them as it is to me…but this fraudulent account is hurting my credit and I need it removed off of Transunion, Equifax, and Experian ASAP…!!!

Regards,

Complaint ID: 17722006

Business response
09/15/2022
September 15, 2022 I am writing in regards to your September 15, 2022 follow up inquiry concerning Mr. Deandre *****. The inquiry was referred to me for further review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ***** via written correspondence mailed on September 15, 2021. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
Initial Complaint
07/15/2022
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Applied bank had been closed and sued for unlawful debt collections and apparently reopened why? If they are not going to abide by banking laws. Apparently my loan disclosures from a different bank chase Bank were left at Applied bank or are they the same bank. Close the account chemical bank had been discharged more than likely used Applied bank debt collection had had gotten old account information if this bank had any discrepancy or other personal information and in a position of trust should notify the person.
-Applied bank must issue student loans and someone at chase Bank must have taken out a student loan or loan under my personal information I have a another complaint filed
Business response
07/20/2022
July 20, 2022 I am writing in regards to the July 18, 2022 inquiry concerning Ms. ******* *********** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ********** via written correspondence mailed on July 20, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ********** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** *Executive Correspondence
Customer response
07/26/2022
The representative did nit answer the concerns apparently Ms ****** got a job with applied bank and left my chase Bank disclosures at applied bank I did not give her permission to have those disclosures in her possession her and her sister have networked to my insurance and made threats witchy comments at my home I have thus moved and a resident at 3am in the morning blasted some music from rocky horror picture show thus recognizing their harassment including appliedcbanks over billing and inflated monthly payments all statemented under ollinois law statue there is a percentage limited a bank can charge of monthly billing statements which your payments are against banking law in that regard you were sued in the past I wonder if whom you employed had any involvement with applied bank being sued it was also said that a credit card was opened in my name apparently from those chase Bank disclosures falling into the wrong hands and the karma is a default and or charge off of a card I never opened nor did applied bank disclose my personal information had been compromised by a usps worker so with all of this I'll be forwarding this complaint to the attorney General office that closed your doors consequently to hide credit card fraud the fraudulent card is close Ms ****** harassment is going to get her locked up especially when I find she has items of mine that don't belong to her please let her know
Business response
08/19/2022
August 19, 2022 I am writing in regards to your August 12, 2022 follow up inquiry concerning Ms. ******* **********. The inquiry was referred to me for further review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ********** via written correspondence mailed on August 19, 2021. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ********** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
Initial Complaint
06/28/2022
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I’ve had the card for about a year and I just want to pay them off. They won’t get anymore money from me until I receive confirmation of the total amount due.
Business response
07/11/2022
July 7, 2022 I am writing in regards to the June 28, 2022 inquiry concerning Ms. ******** ****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. **** via written correspondence mailed on July 7, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. **** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
Customer response
07/13/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me.

Regards,

Complaint ID: 17492671
Initial Complaint
06/27/2022
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
THIS FDIC BANK HAS NO EMAIL ACCESS A VIOLATION OF USDOJ #ADA POLICY INFORMED CSR CALL CENTER DELWARE OFFICES CLOSE TOO EARLY FOR SUBPRIME WEST COAST RETAIL CONSUMERS AND BUSINESS CLIENTS OF THE BANK. BIDENS HOME STATE ELIZABETH WARREN SENATOR FEINSTEIN SEN KENNEDY APRISED OF BANK MISCONDUCT OWNED BY UNITED WAY HISTORY OF SCANDELS AKA RED CROSS PREPAID SUBPRIME CARD FRAUD HURRICANE KATRINE MANY BANKS ARE TARGETING AARP FRAUDWATCH SENIORS, DISABLED MILIARY DOD VA BIZ OWNERS VETERANS, SOLICITAITONS VIA SNAIL AND EMAIL TO EXISTING CAP 1 CUSTOMERS ET AL BAD UX OVERALL X GOOGLE DEVLOPER 90S REPORTED ISSUES TO CALL CENTER VIA VOICEPHONE SEVERAL OCCASIONS IN RE: ACCT TAKEOVER FRAUD POTENTIAL NOTED ON MY ONLINE WEBSITE ACCT NO PHONE APP EST 1997 MY FUNDINGBYRICKY.COM EST 1994 ONLINE 1994 DIV PAYLESS INTERNET SERVICES DUNS DOD VA DISABLED VIETNAM VET AGE 73 FED CONTRACTOR THERE IS NO ADA ACESS PROIVISIONS ON STATIC WEBSITE FOR BANK CREATED 1997 NOT FOR 2022 BAD UI BAD UX MSN BETA TESTER PROGRAMMER 4 BILL GATES AS WELL TECHNICIAN TECH SUPPORT FINANCE AND IT CONSULTANT VETTED I AM DISMAYED THERE IS NO SIMPLE EMAIL ADDRES @ OR FORM KUDOS 2 BBB ON OPERATIONS AND USER INTERFACE ON WEBSITE FOR SENIORS EZ 2 USE ... THE IT DEPT TECH SUPPORT PHONE DOES NOT ANSWER !@ THE BANK THE CSR CALL CENTER HAVE NO AUTHORITY. ;CANNOT GET THE BANK TO REMOVE AN ILLEGAL PHONE NUMBER TO RECEIVE 2FA SMS TEXT CODES FROM BANK SERVER 24/7 IN ORDER TO ACESS MY ACCT DATA FOR UNSECURED SUBPRIME APPLIED BANK FDIC VISA CREDIT CARD ACCT. I AM ATTEMPTING TO REBUILD FICO SCORE 8 WITH EXPERIAN BOOST ET AL DUE TO APS SF COUNTY HISTORY OF FINANCIAL ABUSE BY VA DEPENDENT DOCUMENTED (MEDICAID, MENTALLY ILL) THE BANK IS GUILTY OF ADA INFRACTIONS OF THE STAUTE, AS WELL AN POOR CUSTOMER SERVICE REPORTED ON NON BBB.ORG ASSETS SITES, APPS ONLINE DUE TO THEIR PREYING UPON THE MOST VUNERABLE IN OUR SOCIETY THE WHITE HOUSE VET REP DOEST NOT CARE ITS BIDENS HOME STATE AND THE DEPT OF FINANCIAL STATE DE DIDNT HELP $30 REFUND?
Business response
07/11/2022
July 5, 2022 I am writing in regards to the June 27, 2022 inquiry concerning Mr. ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on July 6, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
Initial Complaint
06/23/2022
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have to way besides phone to contact company, Im still not able to talk completely after being deathly sick for 3 months, which included completely losing my voice. I have insurance in case life happens, life definitely happened. I had pneumonia, possibly covid since ppl came around me, then tested positive. I was planning on closing once a zero balance, can we post date insurance to get payments current, then figure out the next steps. Im not sure when or if I will go back to work, Im currently in the bed again at 3pm. My energy never returned, I sweat everyday, going outside makes me really sick, food is hard to keep down. I very well still could be sick, but it would be hard to know
Business response
07/01/2022
July 1, 2022 I am writing in regards to the June 23, 2022 inquiry concerning Ms. ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ****** via written correspondence mailed on July 1, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
Customer response
07/06/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me.

Regards,

Complaint ID: 17468534
Initial Complaint
05/17/2022
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
For 2 weeks (May 3 to today, May 17) I've been trying to deposit an IRS refund check; but the bank keeps rejecting my mobile deposit. First, they objected to the check being made out to my wife & I, while my name is the only name on the bank account. This never was a problem, previously, but I acquiesced and opened a new joint account with my spouse. Then, they rejected the deposit because "the check doesn't have our required 'APPLIED BANK FOR MOBILE DEPOSIT' verbiage on back." The problem is, it DOES have the statement on back. I attempted to show them images of the back of the check; but they just keep insisting that I just re-submit the check. (That's the definition of insanity, right?) I will provide ANYONE the images because I am certain that any sighted individual can see that I'm complying with their inane requests. HOW DO I GET THEM TO DEPOSIT THE D*MN CHECK?! This is the most god-awful example of customer service that I've ever seen.
Business response
05/19/2022
May 18, 2022 *** **** ****** ****** ******** ****** ** ******** ** ***** *** *** ******* ** ***** *** **** ****** *** **** ** ******** **** *** ******* I am writing in regards to the May 17, 2022 inquiry concerning Mr. **** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on May 19, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
Initial Complaint
04/24/2022
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Business response
04/28/2022
April 28, 2022 I am writing in regards to the April 25, 2022 inquiry concerning Mr. ****** *******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******* via written correspondence mailed on April 28, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******* directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
Initial Complaint
04/17/2022
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have a credit card with this company. I requested auto pay set up through their website in March. When I finished the request I received a screen back that said it would be processed and they would get back to me. I did not receive an email confirmation. I went ahead and made my March payment. April came and the auto debit did not occur and they have charged a late fee. I tried calling them and went through several people (their customer service is really bad and disconnected once) and asked to have the late fee waived. They told me that in order to have it reviewed, I would have to mail them a letter asking for it to be waived. They said they don't waive late fees over the phone. It seems like the delay in setting up the auto debit without communication and then charging a late fee is a strategy to set up for a late fee. Then to require "a written letter" seems a bit much when they have the ability to do this over the phone. I even asked them, "if I wanted to close my account could you do that over the phone or do I have to write a letter?" I was told they could close the account over the phone. This confirms my belief about this entire late fee issue is by design. I am requesting that the $38.00 late fee be refunded to my account.
Business response
04/27/2022
April 27 2022 I am writing in regards to the April 18, 2022 inquiry concerning Ms. Angela ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ****** via written correspondence mailed on April 27, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ****** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
Initial Complaint
03/29/2022
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Good evening BBB, Back on October of 2020, I applied and was approved for a credit card through Applied Bank, P.O. Box 17125 of Wilmington DE. 19850. The first 3-4 months went by without a hitch. Then when you least expect it, I started noticing some shady business practices. About the 4th month into using the card, about every other month, I kept getting replacement cards because my account was compromised. Over and over again. The second to the last card I received, I attempted to activate and it would not activate because, guess what…that card was compromised as well. So in the 6th and final card, I called them because the statement tried to bill me an over the limit fee! I have not even used the card because of all the shade going on. Now mind you, I am disabled and receive a fixed monthly income every 2nd Wednesday of the month. Therefore, I set all my due dates for the 15th of the month. Somehow, someway, a little voice inside their head giving themselves permission to change the due date from the 15th…TO THE 5TH of every month? I kept trying argue my point to a “supervisor” named Cindy. The more I kept asking her what can she do to rectify the situation, the more and more she kept, arguing, and just repeating herself over and over again. It is not like she could not understand. There is only so much I can take until the Italian within me told my French side to sit back. While I had her on speaker phone, my witness heard her condescending and patronizing attitude. It takes a lot for me to become angry, Miss Cindy had me erupting at a VEI8! In closing, I finally gave up, I told her, look I do not know what is going on where you are, but I was born at night. Not last night. Your card is only a $300.00 limit, but since my card was “compromised” nearly 6 times…every time you all closed my account, you messed up my account history. You made me look bad after all my hard work. Shredded the card and said goodbye.
Business response
04/07/2022
April 7, 2022 I am writing in regards to the March 31, 2022 inquiry concerning Mr. ***** ********. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ******** via written correspondence mailed on April 8, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ******** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
Customer response
04/12/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me.

Regards,

Complaint ID: 16961461

Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Need to file a complaint?

BBB is here to help. We'll guide you through the process.

Complaint Details

Showing all complaints

Business response

Customer response

Business response

Business response

Customer response

Business response

Business response

Customer response

Business response

Business response

Customer response

Business response

Business response

Customer response

Business response

Business response

Business response

Business response

Customer response

BBB Rating & Accreditation

Contact Information

Customer Complaints Summary