Credit One Bank Customer Service Issues

I have two cards that were both supposed to be paid on 5/2/[redacted]. The payment for the card ending in [redacted] was entered and accepted. However, the payment for the card ending in [redacted] for $30 was entered four times on May 1 and due on May 2. Even though I thought it went through, on May 5, I received a message saying the payment was still due. After checking my account, I noticed the payment had not been posted. I made the payment again, which was successful. When I called the customer service number at [redacted] to report the issue, I was unable to reach a live person. Now, a late charge of $29 is showing up for May 2, which I don't believe is fair as I tried multiple times to make the payment. I am diligent about staying current on all my accounts and check them daily. It's frustrating not being able to speak to a live person about this. Thank you, Ralph Skelton.

I am having trouble logging into the app despite confirming my information multiple times. I also need to check my credit limit and understand why my card, working earlier today, suddenly stopped. I made transactions, but now it won't work. I was trying to set up my Google bypass app for PayPal for access to my funds, but it seems to have flagged my account. I need this resolved as the account holder. During a call with customer service, a gentleman was difficult to understand due to a quiet and cutting-out phone connection. Despite answering his questions, access to my account was denied, leaving me confused and frustrated. I am seeking assistance to resolve this issue promptly.

I took out a loan to consolidate my credit cards, and I made an overpayment to my card ending in [redacted]. The payment was made on 4/13. My account shows a refund on 4/20 of $[redacted], followed by a reversal on the same day. Then the payment was presented again on 4/22 with a reversal on the same day for $[redacted]. The $[redacted] payment never posted to my account with you due to my error; I was trying to pay my other account with you by mistake. The issue is that the loan company cannot refund the money I sent back to my account because they have not received the refund from your company, Credit One. They told me I need a trace number for the refund. I'm having trouble with your customer service as I find it hard to understand the dialogue, and no one seems to comprehend my issue. I need to know where my $[redacted] payment to you was returned to and the tracing number for it so the loan company can refund my money. Thank you very much, Lorraine A. An immediate response is appreciated; it has been over 30 days now.

Hello, My purse was stolen, and it contained my credit cards and phone. Unfortunately, I can't report this by phone. I need to cancel my Reflex card and request a new one. Name: Connie L Bird/Connie Bird/ConniebirdlCSW Address: [redacted] Cozumel, Laguna Beach, CA [redacted] Telephone #: (stolen, but will use the same number with the new phone): [redacted] SS#: [redacted]-84-[redacted] I'm sorry, I don't know my Reflex Credit Card #. Thank you! Connie Bird

I need assistance with unlocking my account after a charge dispute and a card replacement. I have successfully set up the new card but the account remains locked. Despite downloading the mobile app, I prefer accessing my account on a computer. How can I unlock my account or speak to a customer service representative rather than an unhelpful automated system? I received a notification stating that I didn't outline what Credit One must do to resolve the issue. Simply put, I require my online account to be unlocked to conduct tasks such as payments and updating my phone number hassle-free.

While discussing a dispute, my online account was unexpectedly locked, and I received a new card. I assumed that after registering the new card, my account would be unlocked. However, every time I log in, I am swiftly logged out when attempting any actions beyond viewing the default screen. Despite trying to contact the helpline, I discovered there's no prompt to speak with a representative unless you have specified issues. Additionally, I couldn't find an email address to send a complaint to. I attempted to use GetHuman to arrange a call from Capital One, but the process stalled at six minutes before looping back to a lengthy wait time message. While I've activated and used the new card, I am unable to make payments. I installed the app on my phone to communicate with Capital One, but to no avail. I prefer making payments via my computer, and the difficulty in reaching Capital One is restricting my options.

My bank has informed me that I have funds available, but despite this, the funds are not accessible to me. This situation led to three returned check payments and the closure of my Credit account, along with multiple fees being charged. I am extremely frustrated as there seems to be no solution. I have reached out to both parties without getting any assistance. I tried using a different bank account to make a payment, but even though my bank's emails confirm the availability of funds, they are somehow on hold. This is a new and perplexing issue for me. I have all the necessary emails and bank statements proving that I do have the money in my account, and yet I am unable to access it. Any help would be greatly appreciated.

I acquired the Credit One Credit Card a few months ago and believed I had enrolled in electronic payments, which was not the case. After checking my mail (which I do every 5 days), I found a past due notice for $20 and a $20 late fee. Despite being unaware of the amount owed, I promptly settled it. Regrettably, my credit score, which had recently improved to Very Good over 2 years, dropped by 43 points. Essentially, I ended up paying a $20 penalty for a $20 debt overdue by one month (equivalent to a [redacted]% yearly rate), causing significant harm to my credit score. The card was obtained based on Experian's recommendation, even though I already have a credit card from my bank. If my credit report cannot be restored to its previous state before the late payment, I would like to proceed with canceling the card. Thank you for your assistance.

I recently received an email from Credit One informing me that my account was closed due to multiple returned payments. I had to close one account due to identity theft, which caused a payment to bounce. I promptly made the payment from another account, which actually exceeded the original amount. I have been a loyal customer with two accounts for years, always making timely payments. I kindly request for a reconsideration of the account closure due to the circumstances. I also expressed my financial struggles due to COVID-19 and my PayTech protection from one of my accounts. I understand the importance of repaying debts and always fulfill my obligations. I would appreciate if Credit One could understand the situation and refrain from further threats regarding my accounts.

My account was placed on hold due to suspected activity, despite my ability to verify all transactions. Unfortunately, with DMV closures and travel restrictions from COVID-19, I have been unable to renew my expired ID (as a CA resident with a FL ID). I submitted my SS card, Dept Of Veterans Affairs ID, the expired ID, and various proofs of address, including documents from this financial institution. I am in urgent need of access to my account to navigate the upcoming month and resume my financial activities. Any assistance would be greatly appreciated.

I have attempted to cancel this card multiple times due to unauthorized charges despite no purchases, inability to access my online account due to repeated errors, and incorrect payment processing. Even after paying off the balance months ago and requesting cancellation, I am still receiving payment requests for a card I no longer use, have destroyed, and explicitly asked to be terminated. I am unable to locate an email address for proper documentation. Despite diligently noting my password information monthly, the online access remains inaccessible. The sole method to reset involves divulging sensitive information like my full social security number and card details, a legally dubious and unprofessional request. Kindly, terminate the card immediately. - Russell K. Green

I want to express my gratitude to Credit One Bank for giving me a chance when others wouldn't. Despite having poor credit, they approved me for a credit card, which has helped me improve my credit score. Thanks to Credit One Bank, I now have an average credit score. While other major credit card companies rejected me, Credit One Bank offered me an unsecured credit card when I least expected it. I am thankful for this opportunity. Although I receive credit card offers from other companies now that my credit score has improved, I remain loyal to Credit One Bank for believing in me. Thank you, Credit One Bank.

In April, I placed orders with two different companies online but never received the items. Despite my efforts to reach out to them, I couldn't get through. When I contacted customer service, the initial representative was helpful and provided me with paperwork confirming the transaction was not fraudulent. However, the shipping information led me to a different company than the one I ordered from (PayPal FamilyMagor). The tracking number starting with 1Z belonged to UPS, but the shipping company CN-EMS is based in China. The IP address listed was incorrect as my addresses usually start with [redacted]. I was advised to file a police report for the missing items, and I have a case number [redacted]-55-[redacted]. I'm still in the process of disputing the charges, with two separate claims: [redacted]C and [redacted]6. This situation has prevented me from using my card since April, and the charges put me over my limit due to the back-and-forth adjustments.

I noticed that Pilot Gas charged my CreditOne Bank card twice with $[redacted] each, resulting in an overdraft of $31 after my card was declined. Despite available funds, the charges remain. I received a letter from Pilot instructing me to share the attached authorization letter with my card issuer to resolve the pre-authorization hold on the funds. For any assistance or inquiries, please reach out. Thank you, Ryan Halverson Accounting Associate II, Accounts Receivable Email: [redacted] Office: [redacted] Efax: [redacted] Address: [redacted] Lonas Drive, Knoxville, TN [redacted] Pilot Company’s COVID-19 Response Details: This correspondence is confidential and intended solely for the named individual(s) above. Please refrain from sharing, copying, or distributing this information without permission. Disregard this message if received in error. Kindly notify the sender promptly and delete the email.

I recently discussed adding the NBC app to my TV with a company called Tech Services. Even though I declined their offer and expressed not wanting it, they activated it anyway. They mentioned providing two free trials, which I also declined. They charged me $49.99 without my consent. I have contacted them multiple times to request a refund, but they have not refunded me yet. I believe this might be a scam as I did not authorize this charge. Please assist me in removing this charge from my credit card as soon as possible. Thank you for your help.

I received an email this morning about a late payment on my Credit One American Express account. I had thought it was set up for automatic payment like my Credit One Platinum Card. I made a $50 payment towards the American Express card this morning. I understand it won't show up automatically and that's just how banks operate. I would like to set up automatic payments for my American Express card and request a courtesy refund for the late fee. My payment history on the Credit One Platinum Card shows I am usually prompt and often pay more than the minimum. I appreciate your help with this matter. I had a frustrating phone call earlier with an unhelpful representative and would like a manager to contact me if needed. Thank you.

I, Karen Townsend, have reached out to you and filed a complaint with the BBB regarding the excessive charges and lack of promised credits. I had an agreement with you to cover six months of charges due to a COVID-19 related loss of income, but you failed to uphold this agreement. Moreover, I closed the account due to unauthorized charges and exorbitant interest rates. Despite offering a 12% interest rate to keep the account open, you did not provide this option when I wanted to close the account and dispute the charges. Recently, my daughter used the card without my knowledge to seek medical help for a sick barn cat inherited from my father, which by the time she reached Florence AL EMERGENCY VET SERVICES was beyond saving. The vet services refused to provide medications and instructions for home care, charged a high amount, and even sent a card to thank my daughter for bringing in the sick pet to my address. I only used the card for gas a few times and was prepared to pay most of the charges if Credit One Bank had honored the payment plan as agreed for six months. Unfortunately, your company's actions have led to my card balance escalating from less than $[redacted] to over a thousand dollars, far exceeding what I ever spent on the card. I have reported these issues to the BBB, as have many others, due to the numerous complaints against your company and its lack of credibility.

I am facing issues with accessing my Credit One Bank online account. The website malfunctions by automatically logging me out or displaying a security error message. The phone number provided does not offer assistance for these problems. Additionally, there are display errors such as the drop-down header showing "Pushdown: Not Defined." The trouble seemingly began when I attempted to update my address, resulting in an error message "(Updated: Date Not Yet Available)" when trying to manage the settings. This prevents me from accessing my account and updating my information effectively.

I'm having trouble accessing my accounts as I keep getting an error message stating that my user name/password is incorrect. I have followed the reset instructions multiple times, changed my login details, but still face the same issue when I try to log in. I previously spoke with a representative who provided the same instructions and confirmed that my accounts are not locked. I have two accounts, with [redacted] as a reference and a security code of [redacted]. The last four digits of my SSN are [redacted], my date of birth is 3/23/44, and my current address is [redacted] Sawmill Commons Lane Apt H, Dublin, Ohio [redacted] (previously [redacted] Sawmill Commons Lane, Apt I at the same location). Please advise on how to proceed. -G. Black

Subject: Important Information Regarding Recent Account Transition TO: LVNV Funding LLC FROM: Andrew P. Smits ADDRESS: [redacted] Buckeye Lane E., Jacksonville, FL [redacted] REF: Account ID [redacted]13 Account Number: Ending in [redacted] Stated Balance (in error): $[redacted].46 Original Creditor: Credit One Dear Resurgent Capital Services, I am writing to address the recent account transition from Credit One to your service. On July 16, I sent a payment of $[redacted].46 to Credit One Bank via a check from VyStar Credit Union (Check #[redacted]) with a note stating that the balance was paid in full and requesting the account to be closed. However, it seems that around the same time, my account was sold to your company. I am concerned about the timing of these events and question if this is a scam or fraud. I have already submitted a complaint to the Better Business Bureau and attached a copy of this correspondence. At this moment, I do not intend to make any payments to your company as it appears the payment was made to Credit One. I will also be sending a copy of this letter to Credit One for their attention. I look forward to resolving this issue promptly and hope that Credit One confirms the receipt of my payment as all communication from both companies seems to have occurred after the payment was processed on July 20. Thank you for your attention to this matter. Sincerely, Andrew Smits