We settled and closed a credit card with Applied Bank back in March 09. They keep sending us a bill saying we owe processing fees, late fees, and more. When we called and FINALLY got through to a customer service rep (I use this term very loosely), we were told they have NO notes on the settlement... Even when we gave them the extension numbers and names of the reps at Applied Bank whom we spoke with, they said there was nothing they would do. This is a complete scam - next stop is the AG office. Stay away from Applied Bank!!! read full review »