- Report: #20278
Complaint Review: Cross Country Bank - Boca Raton Florida
-
Author Not Confirmed
Why?
Cross Country Bank
P.O. Box 310711 Boca Raton, 33431-0711 Florida, U.S.A.
Phone:
561-982-9111
Web:
N/A
Categories:
Business Rating:
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Cross Country Bank/Appllied Credit mistreated and ripped off - allows someone else to open credit card with my social security # & refuses to do anything! Boca Raton Florida
Last November, Cross Country allowed Danielle S. Smith of Illinois to obtain a credit card using my social security number. When I discovered this (by attempting to pay my bill on line - for which Cross Country Bank levies a $3 payment charge!)I called the company and was told it was an on line demonstration only. Then I started getting Emails addressed to Danielle!
Then next month her info was still there and I was listed as having multiple accounts. I started calling the company and complaining and have gotten a wonderful run around since.
I have written, called, fumed and fussed and was finally told last week that they didn't know who I was. I asked if Danielle was using my mother's maiden name, my address, etc. They said they had no proof of my social security # validity. I faxed it to them within an hour.
Saturday, I received a call from Patricia at 561 982-9111, ext 50253,(in "security") who, poor thing, kept putting me on lengthy, ad-infested holds while she consulted with her supervisor Michele Morris.
Their only action was to insist that I call the Social Security Administration and work with that agency. Cross Country wants a letter from Social Security proving I am who I am. Meanwhile, they say that months ago they requested a copy of Danielle's social security card wih no results.I have already called social security before this conversation and was told that I am the only name on that number in their computer and that the administration does not rectify or investigate such issues.
So Cross Country is content to ignore my pleas and demands. This company insists that I make all effort to clear this up. They refuse to take her or me off line. As a result, we can see each others' banking info.
I am furious and at a loss. I would love to close out account which I have had for years and cut the card but I'm not able to do so at this point.
What a cheap organization! When I asked poor Patricia for the name of company official, such as CEO or president, she said over and over they are not allowed to release such information! I was amazed. Where is this company? In the Soviet Union? A Police State?
Is it really possible for someone to use my credit card number with no problem?
Mary
Lafayette, Colorado
Then next month her info was still there and I was listed as having multiple accounts. I started calling the company and complaining and have gotten a wonderful run around since.
I have written, called, fumed and fussed and was finally told last week that they didn't know who I was. I asked if Danielle was using my mother's maiden name, my address, etc. They said they had no proof of my social security # validity. I faxed it to them within an hour.
Saturday, I received a call from Patricia at 561 982-9111, ext 50253,(in "security") who, poor thing, kept putting me on lengthy, ad-infested holds while she consulted with her supervisor Michele Morris.
Their only action was to insist that I call the Social Security Administration and work with that agency. Cross Country wants a letter from Social Security proving I am who I am. Meanwhile, they say that months ago they requested a copy of Danielle's social security card wih no results.I have already called social security before this conversation and was told that I am the only name on that number in their computer and that the administration does not rectify or investigate such issues.
So Cross Country is content to ignore my pleas and demands. This company insists that I make all effort to clear this up. They refuse to take her or me off line. As a result, we can see each others' banking info.
I am furious and at a loss. I would love to close out account which I have had for years and cut the card but I'm not able to do so at this point.
What a cheap organization! When I asked poor Patricia for the name of company official, such as CEO or president, she said over and over they are not allowed to release such information! I was amazed. Where is this company? In the Soviet Union? A Police State?
Is it really possible for someone to use my credit card number with no problem?
Mary
Lafayette, Colorado
4 Updates & Rebuttals
Sharon
Trinity,Texas,
What you can do...
#2Consumer Suggestion
Thu, May 09, 2002
Hi! I just went through the EXACT same scenerio, but with Ford Motor Credit, with someone buying a car in their name but with my Social Security number. It has now been corrected through the wonderful advice of an FBI agent I contacted. Here is the advice that was given to me, and it WORKED: 1. Write a letter to Cross Country Bank demanding that your Social Security number be removed form this fraudulent account, and all reports to the credit bureaus be corrected. Send it via Certified Mail, Return Receipt Requested. 2. Send copies of this letter to the 3 major credit bureaus (TransUnion, Equifax, Experion), also Certified, Return Recipet Requested. Include a cover letter with all the details you have on the account, including the account number and info on the person who perpetrated the fraud. Ask that it be investigated and corrected. 3. Send the same to the Social Security Administration and the IRS. 4.Call your local FBI field office and make a report. Give them the name and any other info you have on the person who opened this account. 5. Keep records of every phone call you make and every person you talk to, and what is said. I did this, as instructed by the FBI agent I spoke to, and the matter was corrected within 10 days. The Consumer laws are at work for you here...if you report this info to the credit bureaus, they must initiate an investigation within 30 days, forcing Cross Country Bank to verify that the Social Security number and the name on the account match. If they cannot (and obviously, they can't), then they MUST correct the information.
Sharon
Trinity,Texas,
What you can do...
#3Consumer Suggestion
Thu, May 09, 2002
Hi! I just went through the EXACT same scenerio, but with Ford Motor Credit, with someone buying a car in their name but with my Social Security number. It has now been corrected through the wonderful advice of an FBI agent I contacted. Here is the advice that was given to me, and it WORKED: 1. Write a letter to Cross Country Bank demanding that your Social Security number be removed form this fraudulent account, and all reports to the credit bureaus be corrected. Send it via Certified Mail, Return Receipt Requested. 2. Send copies of this letter to the 3 major credit bureaus (TransUnion, Equifax, Experion), also Certified, Return Recipet Requested. Include a cover letter with all the details you have on the account, including the account number and info on the person who perpetrated the fraud. Ask that it be investigated and corrected. 3. Send the same to the Social Security Administration and the IRS. 4.Call your local FBI field office and make a report. Give them the name and any other info you have on the person who opened this account. 5. Keep records of every phone call you make and every person you talk to, and what is said. I did this, as instructed by the FBI agent I spoke to, and the matter was corrected within 10 days. The Consumer laws are at work for you here...if you report this info to the credit bureaus, they must initiate an investigation within 30 days, forcing Cross Country Bank to verify that the Social Security number and the name on the account match. If they cannot (and obviously, they can't), then they MUST correct the information.
Sharon
Trinity,Texas,
What you can do...
#4Consumer Suggestion
Thu, May 09, 2002
Hi! I just went through the EXACT same scenerio, but with Ford Motor Credit, with someone buying a car in their name but with my Social Security number. It has now been corrected through the wonderful advice of an FBI agent I contacted. Here is the advice that was given to me, and it WORKED: 1. Write a letter to Cross Country Bank demanding that your Social Security number be removed form this fraudulent account, and all reports to the credit bureaus be corrected. Send it via Certified Mail, Return Receipt Requested. 2. Send copies of this letter to the 3 major credit bureaus (TransUnion, Equifax, Experion), also Certified, Return Recipet Requested. Include a cover letter with all the details you have on the account, including the account number and info on the person who perpetrated the fraud. Ask that it be investigated and corrected. 3. Send the same to the Social Security Administration and the IRS. 4.Call your local FBI field office and make a report. Give them the name and any other info you have on the person who opened this account. 5. Keep records of every phone call you make and every person you talk to, and what is said. I did this, as instructed by the FBI agent I spoke to, and the matter was corrected within 10 days. The Consumer laws are at work for you here...if you report this info to the credit bureaus, they must initiate an investigation within 30 days, forcing Cross Country Bank to verify that the Social Security number and the name on the account match. If they cannot (and obviously, they can't), then they MUST correct the information.
Sharon
Trinity,Texas,
What you can do...
#5Consumer Suggestion
Thu, May 09, 2002
Hi! I just went through the EXACT same scenerio, but with Ford Motor Credit, with someone buying a car in their name but with my Social Security number. It has now been corrected through the wonderful advice of an FBI agent I contacted. Here is the advice that was given to me, and it WORKED: 1. Write a letter to Cross Country Bank demanding that your Social Security number be removed form this fraudulent account, and all reports to the credit bureaus be corrected. Send it via Certified Mail, Return Receipt Requested. 2. Send copies of this letter to the 3 major credit bureaus (TransUnion, Equifax, Experion), also Certified, Return Recipet Requested. Include a cover letter with all the details you have on the account, including the account number and info on the person who perpetrated the fraud. Ask that it be investigated and corrected. 3. Send the same to the Social Security Administration and the IRS. 4.Call your local FBI field office and make a report. Give them the name and any other info you have on the person who opened this account. 5. Keep records of every phone call you make and every person you talk to, and what is said. I did this, as instructed by the FBI agent I spoke to, and the matter was corrected within 10 days. The Consumer laws are at work for you here...if you report this info to the credit bureaus, they must initiate an investigation within 30 days, forcing Cross Country Bank to verify that the Social Security number and the name on the account match. If they cannot (and obviously, they can't), then they MUST correct the information.
