Complaints

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

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• 

  Applied Bank

  2200 Concord Pike Ste 102 Wilmington, DE 19803-2909

  
• 

  Applied Card Systems of Pennsylvania, Inc.

  PO Box 70165 Philadelphia, PA 19176

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  Applied Bank

  PO Box 70165 Philadelphia, PA 19176

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  Applied Bank Protection Plan

  PO Box 1817 Roswell, GA 30077

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  Applied Card Systems, Inc.

  4700 Exchange Ct Boca Raton, FL 33431

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:07/02/2023

  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.

  This is a formal complaint that you are reporting inaccurate and incorrect information on my credit report
  According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
  
  I demand to see verifiable proof (i.e.: an original consumer contract with my signature on it) that you have on file for the account listed below.
  
  Applied Bank 422709XXXXXXXXXX $741
  
  Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
  
  I demand that the following account be removed immediately from my Transunion credit report:
  Applied Bank 422709XXXXXXXXXX $741

  

  Business Response

  Date: 07/12/2023

  July 12, 2023
  
  
   
  I am writing in regards to the July 3, 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 July 13, 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: 07/13/2023

  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.
  
  
  
  
  
  
  
  
  
  Regards,

  
  

  Complaint ID: 20266458

  
   
  

  
  
  

   

  
  

   

  

  Business Response

  Date: 08/03/2023

  August 3, 2023
  
  
   
  I am writing in regards to your July 31, 2023 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 August 3, 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:04/03/2023

  Type:Product 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.

  March 19th, I mailed in a letter and PAID POSTAGE for them to remove my late fees, due to disability, not working and illness from covid related issues. Today, they still haven't received it. The excuse was, they are receiving a lot of mail. ****** with Applied Bank was not helpful. Its ridiculous a company expects you to mail a request in for a late fee but when you do it, they do not follow through.
  
  Also, they are illegally holding my funds of 20.00 for incidentals from Courtyard Marriott from March 25th. I called the merchant and they advised me and sent proof that the release the authorization back to my account on March 26th and sent to Applier Bank. APPLIED BANK is telling me that eventhough they received the release, they're holding the money until April 7th. UNETHICAL AND ILLEGAL. I would like my late fees removed as I pay on time and I would like my money put back into my account IMMEDIATELY!

  

  Business Response

  Date: 04/10/2023

  April 10, 2023
  
   
  I am writing in regards to the April 3, 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 April 11, 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: 04/12/2023

  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: 19889431
  
  

  
  

  
  

  
  

   

  
  

   

  
  

   

• Initial Complaint

  Date:09/18/2022

  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.

  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

  Date: 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 Answer

  Date: 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

  Date: 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

  Date:08/16/2022

  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.

  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

  Date: 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 Answer

  Date: 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

  Date: 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