I've had Applied Bank removed from my account. My argument was that I never activated the card, yet I was being charged out the ass. I sent them letters. This also worked for Chase, and HSBC, and Orchard.
Yes Applied Bank got removed. I still have that crappy card in my sock drawer...R.I.P.
I was totally ignorant before applying for their card. When my credit was somewhat good, I was getting credit card applications all the time. Then one day I applied for Orchard/HSBC, Chase and Applied Bank. They had CL's of $300. However, stupid me didn't realized all of the crazy fee's that would be attached to those cards. I just wanted to have them in case of emergenices. I never activated any one of the cards. I was getting statements/letters from them all the time, but I never bother opening them up, because I thougt it was FYI letters about this or that. Then one day, something told me to open one of the letters. And that's when I discovered I was getting hit with late fee after late fee.
I called each cc company and told them that I wasn't paying for something I never used or activated. I had them close my accounts. Then I sent letters to each of the cc companys as well as the 3 CRA's requesting that those accounts be removed from my report. And I eventually got letters from all of the cc companies stating that the accounts were removed from my report. And lucky for me, they're all gone from my report.