Business Profile

Bank

Applied Bank

Complaints

This profile includes complaints for Applied Bank's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

129 total complaints in the last 3 years.
36 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

Initial Complaint
Date:05/08/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have done several dispute disputes to credit bureau and Applied bank and I have not been able to get it resolved this is not my account and I would like it removed from my credit report
Business Response
Date: 05/15/2025
May
15, 2025

Re:
Krystal *******
BBB File #: 23302405

Dear Ms. *****:

I am writing in
regards to the May 8, 2025 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 May
15, 2025. 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 (866) 271-3710, extension 29224, 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 Answer
Date: 05/19/2025
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.

Regards,

Complaint ID: 23302405

I have not received any but affidavit

Business Response
Date: 06/09/2025
June
9, 2025

Re:
******* *******
BBB File #: 23302405

Dear Ms. *****:

I am writing in
regards to your June 3, 2025 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 June
10, 2025. 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 (866) 271-3710, extension
29224, 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
Date:03/14/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
******** **** *** ***** ** ********** ** *****

Date: 03/08/2025

To:
Applied Bank
WILMINGTON, DE 19850

Subject: Formal Dispute of Alleged Debt and Demand for Verification

Dear Applied Bank,

I am writing to dispute the alleged debt of $644.00 you claim is associated with me. This debt is not mine, and I have no binding contract with your company regarding this matter. The information you have on file is false, inaccurate, and unverifiable.

Under the Fair Debt Collection Practices Act (FDCPA) (15 U.S. Code § 1692g), I formally request validation of this debt, including proof of the original contract or evidence that this account belongs to me. Without such documentation, any attempt to collect this debt or report it to credit bureaus is unlawful.

Additionally, under the Fair Credit Reporting Act (FCRA) (15 U.S. Code § 1681), any information that cannot be verified must be promptly removed from my credit report. Reporting or maintaining false information is a violation of federal law and must be corrected immediately.

I also demand that you cease all communication with me regarding this matter as permitted under the FDCPA (15 U.S. Code § 1692c). Furthermore, you are prohibited from sharing or distributing any information about me or this disputed debt to any third party.

This is a formal demand for:

The immediate deletion of all inaccurate information from your records, databases, and any credit reporting agencies.

A written confirmation that these items have been removed and corrected.

Failure to comply with this request will result in me filing complaints with the Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB) and seeking legal action for any harm caused by your misrepresentation of this matter.

This letter serves as my formal notice of dispute and request for validation. I am prepared to protect my rights under federal law.

Sincerely,

Business Response
Date: 03/24/2025
March 24, 2025

Ms. Lexe *****
Better
Business Bureau of Delaware
60 Reads Way
New Castle, DE 19720

Re:
******** ****
BBB File #: 23063134

Dear Ms. *****:

I am writing in
regards to the March 14, 2025 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 March 24,
2025. 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 (866) 271-3710, extension 29224, 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 Answer
Date: 03/25/2025
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.

Regards,

Complaint ID: 23063134

Business Response
Date: 04/10/2025
April
10, 2025

Better
Business Bureau of Delaware
60 Reads Way
New Castle, DE 19720

Re:
******** ****
BBB File #: 23063134

Dear Ms. *****:

I am writing in
regards to your April 1, 2025 follow up inquiry concerning Mr. ******** ****. 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 April
10, 2025. 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 (866) 271-3710, extension
29224, 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
Date:10/08/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have no contract with this bank, and I have no knowledge of such account they are reporting on my credit a balance of $352 I never had a relationship with this
Bank and I have no knowledge of such account I demand them to remove this from my credit report
Business Response
Date: 10/14/2024
October
14, 2024

Re:
******* ******
BBB File #: 22394410

Dear Ms. *****:

I am writing in
regards to the October 8, 2024 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 October
14, 2024. 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 Answer
Date: 10/15/2024
Nobody ever contacted me or sent any letter how can I be responsible for a credit card when I was not even able to pay it by phone or online like agreed when I opened the card I have no purchases on this card they are all fees this bank is a scam applied bank can remove it from my credit card or I will take legal action. This is illegal what they are doing 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.

Regards,
Complaint ID: 22394410

Business Response
Date: 10/24/2024
October
24, 2024

Re:
******* ******
BBB File #: 22394410

Dear Ms. *****:

I am writing in
regards to your October 22, 2024 follow up inquiry concerning Mr. ******* ******. 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 October
25, 2024. 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
Date:10/07/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing to file a formal complaint against APPLIED BANK regarding inaccurate debt reporting on my credit report. APPLIED BANK has reported a debt on my credit report that does not belong to me. To address this issue, I took the following steps: 1. Filed a Police Report and Identity Theft Affidavit: I provided these documents as evidence that the debt is a result of identity theft. 2. Sent Documentation to Consumer Reporting Agencies: I submitted my police report, identity theft affidavit, identification, and proof of address to all three major consumer reporting agencies. 3. Notified APPLIED BANK: I sent the aforementioned documents to APPLIED BANK via certified mail, and they received this information. Despite these efforts, APPLIED BANK continues to report this debt on my consumer reports. Additionally, they have not provided
any verification of the debt despite my request. The continued reporting of this debt violates the FCRA (15 U.S.C. § 1681, § 1681c-2), FDCPA (15 U.S.C. § 1692, § 1692g), and the Identity Theft and Assumption Deterrence Act. The partial account number associated with this complaint is ****************. The continued reporting of this debt is causing significant harm to my creditworthiness and financial well- being. I urge the Better Business Bureau to intervene and require APPLIED BANK to: 1. Immediately remove the inaccurate debt information from my credit report. 2. Cease reporting this debt to any consumer reporting agencies. 3. Provide written confirmation of the removal and cessation of reporting. Thank you for your assistance
Business Response
Date: 10/18/2024
October
18, 2024

Re:
******** *******
BBB File #: 22389122

Dear Ms* ******

I am writing in
regards to the October 7, 2024 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 October
18, 2024. 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 Answer
Date: 10/22/2024
Subject: Rejection of Business Response - Complaint #22389122Dear Ms. *****,Thank you for forwarding the response from Applied Bank. While they claim to have sent me written correspondence on October 18, 2024, I have not received any such communication. Meanwhile, their inaccurate reporting on my consumer credit report persists, despite the fact that I have previously notified them that this issue is directly related to an identity theft claim.Under the Fair Credit Reporting Act (FCRA) and Under the Identity Theft and Assumption Deterrence Act (ITADA), Applied Bank is required to promptly investigate and correct any information related to identity theft. Their continued failure to properly address this matter—both by not providing timely communication and by allowing incorrect information to remain on my credit report—demonstrates a clear disregard for their legal obligations and the impact this has on my financial standing.This lack of action is not only damaging but also deeply concerning, considering the legal protections in place for victims of identity theft. I would expect a more transparent and immediate response from a financial institution entrusted with safeguarding consumer information.Given the ongoing negative reporting, I request that this complaint remain open until I receive both the promised correspondence and a satisfactory resolution of the identity theft issue. The delays and lack of compliance with consumer protection laws reflect poorly on the institution’s commitment to addressing legitimate concerns.Thank you for your continued assistance in ensuring this matter is properly addressed.Regards,
Complaint ID: 22389122
Business Response
Date: 11/05/2024
November
5, 2024

Re:
******** *******
BBB File #: 22389122

Dear Ms. *****:

I am writing in
regards to your October 25, 2024 follow up inquiry concerning Mr* ******** *******. 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 November
5, 2024. 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 a* ***** ********* ********* *****, 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
Date:08/31/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have an applied bank card listed as charged off on my credit report. I’ve sent numerous letters and called to get debt validation because I do not recognize it and I’ve had an issue with my ex husband possibly using my information. I have not been Apple to prove it for certain though. I thought a company had to answer debt validation letters though?
Business Response
Date: 09/10/2024
September
10, 2024

Re:
****** *****
BBB File #: 22225333

Dear Ms. ******

I am writing in
regards to the September 1, 2024 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
11, 2024. 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 Answer
Date: 09/12/2024
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.
They have not contacted me
I don’t know if you can also pass on that. The five digit extension says that it’s invalid when you try calling them.

Regards,
Complaint ID: 22225333

Business Response
Date: 09/19/2024

Re:
****** *****
BBB File #: 22225333

Dear Ms. ******

I am writing in
regards to your September 16, 2024 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 September
20, 2024. 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
Date:04/08/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have had a credit card with applied bank for many years. I logged in last month, like I do each month and make regular payments on my account. The online payment portal kicked back several times but then said confirmed. I did not receive a confirmation email, but that is not unusual. They then reported that I did not make my March payment on my credit report, causing a 60 point drop in my credit score. I contacted customer service who couldn't understand the difference between a payment being processed by their company and a payment being credited on my credit score. I have been very careful to make on time payments for several years and have worked very hard to get my credit in good shape so I could buy a house. In one blunder on their part, I am completely screwed. I want the missed payment removed from my credit report.
Business Response
Date: 04/18/2024
April
18, 2024

Re:
****** ****
BBB File #: 21546937

Dear Ms. *****:

I am writing in
regards to the April 8, 2024 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 April 19,
2024. 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 Answer
Date: 04/24/2024
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.

They have now done the same thing with my wifes credit. This is unacceptable. You are the better business bureau, they can't just say they won't deal with you and will only deal with me directly. That is the whole point of filing the complaint. Their customer service department has not handled the situation sufficiently.

Regards,
Complaint ID: 21546937

Business Response
Date: 05/13/2024
May
13, 2024

Re:
****** ****
BBB File #: 21546937

Dear Ms. ******

I am writing in
regards to your May 7, 2024 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 May 13,
2024. 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
Date:03/18/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Metlife has been charging my credit card for pet insurance that I have not had for a year. I have it with Nationwide insurance through my work HCA HEALTHCARE and it comes out of my paycheck every two weeks. I WANT ALL CHARGES FROM METLIFE REFUNDED. SO FAR THEY GO BACK AS FAR AS OCTOBER OF 2023. I ALSO NEED MY CURRENT CARD CANCELLED SO NO MORE CHARGES CAN BE MADE. WHEN I CALLED THEY SATL THEY CANNOT LOCATE A POLICY SO DO NOT KNOW WHY I AM BEING CHARGED. I ALSO CALLED APPLED BANK AND TALKED TO SOMEONE IN INDIA NOT THE USA THAT PUT ME ON HOLD FOREVER TO GET ME TO THE FRAUD DEPARTMENT WHICH I NEVER MADE IT TO!!!!! USE USA BASED PEOPLE FOR CUSTOMER SERVICE!!!
Business Response
Date: 03/25/2024
March
25, 2024

Re:
****** *****
BBB File #: 21448250

Dear Ms. ******

I am writing in
regards to the March 18, 2024 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 March 26,
2024. 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 ***** ********* ********* ****** *etween 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 Answer
Date: 03/28/2024
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. As of 3-28 I have not received anything in writing from Applied Bank. Also, I had to cancel my old card, so do I need to reschedule my reoccurring payments? I spoke to a very nice gentleman on the phone about my issue but not positive of the outcome.
**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.

Regards,
Complaint ID: 21448250

Business Response
Date: 04/17/2024
April
17, 2024

Re:
****** *****
BBB File #: 21448250

Dear Ms. ******

I am writing in
regards to your April 4, 2024 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 April 18,
2024. 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
Date:12/28/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Extremely disappointed in Applied Bank. Spoke with two different ladies and the Supervisor ******, kept advising me she does not know the answer to my question. You are withholding my payments and check payment that you tried to charge my account four different times for the one 100.00 check payment which I did not authorize. Only one payment of 100.00 and it went through and now I'm being told it is being withheld until Jan 14th, EVENTHOUGH you have taken the funds out of my account.

What kind of answer is I don't know to a customer, really. Horrible and deceitful practices. I have reported to consumer affairs. I've been a customer for a long time and just recently received an increase of credit line to be treated like this.

I can be reached at
Business Response
Date: 01/05/2024
January
5, 2024

BBB File #: 21066854

Dear Ms. ******

I am writing in
regards to the December 28, 2023 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 January
8, 2024. 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 (866) 271-3710, extension *****, 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 Answer
Date: 01/11/2024
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: 21066854
Initial Complaint
Date:11/25/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recently obtained a copy of my credit report and would like to bring to your attention multiple inaccuracies I’ve noticed on my report. I’m concerned that this is affecting my credit score and would like for you to re-investigate these matters and delete the inaccurate account.

EXHIBIT A: APPLIED BANK - 422709XXXXXX:
Delete this account for inaccuracy because the PAYMENT HISTORY shows OK for JUNE 2023, 60 days late JULY 2023. I was not late 60 days JULY 2023.

Please re-investigate this matter and delete the disputed information as soon as possible, thank you for your assistance.
Business Response
Date: 12/04/2023
November
4, 2023

Re:
*********** ****
BBB File #: 20915951

Dear Ms. *****:

I am writing in
regards to the November 26, 2023 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 November
5, 2023. 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 Answer
Date: 12/09/2023
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.Applied Bank has responded that they allegedly sent correspondence to my address on 11/05/2023 which I have never received. I addressed this issue with them and the credit agencies on 10/15/2023 and have certified receipts to prove it. The attachment provided shows that after pulling my credit report that Applied Bank verified this account on 12/07/2023 but in doing so, violated my consumer rights under the FCRA. Delete this charge-off for inaccuracy because pursuant to Section 623(a)(3), it is the duty of furnishers to provide notice of dispute within 30 days after receiving my dispute which they did NOT do if you take a look at the comments section where it's supposed to be entered on my credit report.

Regards,
Complaint ID: 20915951

Business Response
Date: 12/22/2023
December
22, 2023

Re:
*********** ****
BBB File #: 20915951

Dear Ms. *****:

I am writing in
regards to your December 19, 2023 follow up inquiry concerning Mr. Christopher
****. 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 December
22, 2023. 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
Date:07/10/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had a credit card account with Applied Bank. My account was recently charged an annual renewal fee. Within 30 days of receiving the account statement with the charge, I called Applied Bank and informed them that I wanted to cancel my account and obtain a refund of the renewal fee. I paid off my account on that day as well. At that time, I was advised that I would have to send a request in writing for a refund of the annual fee. I was not advised of anything else that I would need to do and so I proceeded to do exactly that. Following the submission of my request, I received a letter stating that I was not eligible for a refund. I effectively met the terms of agreement by canceling and paying off the account and in writing requesting the refund due to account closure. Still, I did not receive a refund of the annual fee that was charged to me.
Business Response
Date: 07/18/2023
July 18, 2023

I am writing in regards to the July 10, 2023 inquiry concerning Ms. Janice ************. 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 18, 2023. 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 Answer
Date: 08/15/2023
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.

The business provided a response that was inadequate. They did not offer a refund of the fee indicating that the account statement said that I needed to contact them within a certain time frame of the statement date. However, this requirement conflicts with the actual account disclosure that I received when I opened the account. It also conflicts with the account disclosure that is on the back of the statement every month. The company in actuality has 3 different disclosures regarding the renewal fee, and I was in compliance with the disclosure that was issued as part of the formal account disclosure agreement.

Regards,
Complaint ID: 20286511

Business Response
Date: 08/23/2023
August 23, 2023

I am writing in regards to your August 15, 2023 follow up inquiry concerning Ms. Janice ************. 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 24, 2023. 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

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