My name is Rachel Tucker, and I had a card with Applied Bank fka Cross Country Bank . and They offered me a settlement on the account. I agreed with the offered and I was told it would be paid by settlement and the account would be closed with a balance 0. They took my money and and now reporting as closed balance due 391.00 Closed. Mo. Payment Close Account Details Past Due $391.00 Payment Status Charge-off High Balance Limit $500.00 Terms Revolving They did not report anything about paid by settlement. So it can... read full review »