Credit One Bank Customer Service Issues

After spending over three hours on the phone with CreditOne, I received an incorrect email address for customer care that led to multiple failed attempts to contact them about a promised Credit Refund check scheduled for 03/29/[redacted]. The representative I spoke to, who had difficulty with English, provided an invalid email address ([redacted]). This error has extended my frustration for more than six weeks. I may have to seek assistance from Nevada Fraud authorities if CreditOne fails to address this ongoing issue promptly.

I recently opened an account with your company for emergency purposes but haven't made any payments with it. However, I'm now being informed of late payments and unauthorized charges on my account, which is the second time this has happened with your company. I did not make these purchases, and I'm concerned about the impact on my credit score. I would appreciate your assistance in resolving this matter promptly. Thank you. - Dustin

I got an email instructing me to contact the bank about two recent deposits into my account. However, when I tried to enter the amounts, I couldn't. I sought help and received the following response: To complete the Bank Account Verification process, two small deposits have been transferred into your account. To finish the verification, follow these steps: 1. Contact your bank and make a note of the two deposit amounts. 2. Log in to your Online Account and input the two deposit amounts.

I was offered an auto loan through Credit One and visited Tate Branch in Roswell, NM with my daughter to find a car. We intended to return with 10k down payment in two weeks, but encountered a concerning situation. Tate Branch instructed us to lie to Credit One if they called, claiming we had paid the 10k already, which we were not comfortable doing. We decided to cancel the sale as the car never left their possession. Surprisingly, I am now facing charges for a vehicle that was never actually bought. I am seeking assistance and guidance on this matter.

I want to share my frustrating experience with this company. In November [redacted], I mistakenly paid a bill from an old account while recovering from Covid. I promptly corrected the payment from the correct account, but when I informed them of my error, they locked my account for security reasons. Despite providing verification letters from my bank, they claimed they never received them, causing months of back-and-forth. I have diligently paid my bills on time every month, except for one slip-up. They contacted me for the late payment, which upset me. Despite my efforts to communicate in writing to resolve the online payment issue, they insist I call them, which I refuse due to prior unproductive calls. I feel they are avoiding written correspondence to evade accountability for their poor customer service. My message to others is to avoid this company. I will share my experience widely. I will not pay any late fees until my online services are reinstated. If not resolved, I will also stop payments on my second card. My name is Janay Francis, and my email is [redacted] The ball is in Credit One's court.

Regarding CreditOne, I am experiencing financial difficulties due to health issues. My partner and I are recovering from Long Covid and have heart conditions. We are seeking assistance from National Debt Relief to manage our account. Please, refrain from contacting me further as I am deaf and prefer written communication. My name is Alan N. Malerman, my account number ends in [redacted], and my zip code is [redacted]. I appreciate your cooperation in contacting my representative instead.

On 03/24/23, my balance was $8.41. I authorized the payment to be taken from my TRUIST bank account. My husband accidentally deposited $[redacted] into my CREDIONE account, which you refunded by check. However, on the 04/24/23 statement, I noticed fees charged for a cash advance of $[redacted]. This $[redacted] was not a cash advance, it was my own money. I have never taken a cash advance from your company. Please refund the charged fees as the $[redacted] was not from a cash advance.

I am frustrated with the inability to speak to a real person and the lack of relevant options provided by this bank. I believe the treatment I have received regarding fees, especially in comparison to my Mother's credit situation, is unfair. Despite having a high credit score, I have been charged fees without any resolution offered by the bank except for a temporary hold. Now that the hold period is over, I am looking to cancel my account, but I am only met with automated services and cannot reach anyone for assistance. This experience has left me extremely dissatisfied with this bank and I am eager to close my account.

I recently received my credit card towards the end of April [redacted] and found out that I was charged a $30 fee for opening an account with a due date of April 28th, which I wasn't aware of until I accessed my online account on May 1st. I promptly paid the owed amount on May 1st, only to realize on May 5th that I was charged a $29 late fee on May 4th. As a new account holder, I kindly ask for the late fee to be waived.

I was charged a $95.00 annual fee instead of the $0 annual fee stated in my pre-approval offer. I have evidence from a screenshot confirming that Credit One does offer a no annual fee option. Despite this, multiple customer service representatives have been unhelpful and claimed it's not possible. Though they agreed to waive the fee for this year, they intend to charge it next year. This ordeal involved interacting with 5 unhelpful agents who, on multiple occasions, hung up on me. I haven't activated my card yet and worry about the treatment I'll receive once I do. Cancelling the card would negatively impact my credit, so I seek a better resolution.

I have been receiving calls from strange numbers, and today I answered one. The person I spoke to did not seem to understand me well. Over time, I have made a few payments without fully realizing what was happening. Upon checking my credit score, I noticed an account open that I want to dispute. I would like the account to be closed, as I do not need it. I hope I have reached the correct contact person and that you can assist me with this matter.

I recently started using my Visa card ending in [redacted] again and noticed two unauthorized charges at Sams Club in Tucker, Georgia on 6/6. Despite receiving a text for a $44 charge, I was not notified about the $[redacted].44 charges. Customer service calls with Credit One were challenging as agents disconnected twice before assisting me on the third call. The fraudulent charges have affected my credit score, and I am baffled as to how my card information was compromised. Enhanced controls such as alerts for large transactions and duplicate charges could prevent such incidents. As a long-time customer, I am disappointed with this experience and the initial lack of support from agents at Credit One.

Yesterday, I tried to make a $75 payment on my account. However, I mistakenly used the wrong card for the payment. When I attempted to cancel the transaction and use my Greendot card instead, I encountered difficulties. The system did not allow me to make the payment with the correct card. Additionally, I was unable to cancel the card from Community Federal Bank as an option. I do not wish to incur any fees due to this mishap. I want to ensure that the $75 payment is processed from my Greendot card, the intended payment method. This issue has been very frustrating for me, especially because I am trying to pay a bill.

I did not receive my original Credit One card ending in [redacted]. A new card ending in [redacted] was requested and activated on June 12th. Despite not receiving the original card, a statement was issued with a due date of 6/28/23. I called to inquire if the due date would change with the new card, and was assured it would not be due on the 28th. Due to difficulty reaching customer service, I made a $30 payment on the 29th of June. Now, I have been charged a late fee for the payment made on an account active for only 17 days. I believe the one-day late charge should be waived as a courtesy considering the circumstances.

I'm incredibly frustrated with this bank! I possess two credit cards with them and I'm on the verge of closing my accounts. It's unreasonable to charge an extra $5 every month for a speedy payment process. I attempted to add my checking account to my second card online, but the website won't allow it, and there's no customer service representative available for assistance. I shouldn't have to repeatedly input my information into the website just to pay my bill. The current system is nonsensical. I'm now unsure how I'll pay my second credit card bill due to these issues. It's unfair to pay an extra fee for a so-called 'virtual assistant' payment process. I plan to leave a detailed Google review to inform others about these challenges before they decide to open an account with this bank.

I was charged a late fee on my Visa payment yesterday, July 16, [redacted], even though I made a payment of $30 around 3:30 PM PST on the same day. The payment should not be considered late if it was made on the due date. I would like a refund of the late fee. I also paid my Mastercard account today, July 17, [redacted], and I hope that no late fee will be charged for that payment. Treating customers this way is unacceptable. I made the payments before my bank closed, and this issue needs to be resolved promptly.

On April 11, [redacted], I noticed a charge of $[redacted] on my account from Joeelhair.com. I am seeking to initiate another investigation to dispute this charge. I had purchased a wig from them for my granddaughter's graduation, but the item received was unacceptable. I believe it is unjust to be charged for an unusable product due to their misleading practices. My name is Janet N. and you can reach me at [redacted] or [redacted]. Thank you for your assistance.

I am encountering a very frustrating situation. I am simply trying to update my address to receive my new credit card. The system requires me to input my new credit card information before allowing me to update my address and mailing details. This presents an obvious issue since I cannot receive the new credit card unless I update my address first. I believe it is important for the Better Business Bureau to know about this problem. In the future, Credit One Bank's customer service, business management, and executives should prioritize the success of the company. It is essential for customers to conveniently contact representatives to quickly resolve issues and have constant access to updating their personal information on their accounts. Corporate should ensure that customer service contact numbers are accurate and working. It's unnecessary to employ staff who cannot assist clients in a timely manner and who customers rely on to make payments promptly to a company that manages their assets as crucially as toilet tissue. Customer satisfaction is key. The app and website require clients to enter credit card information before updating their physical mailing address. Clients should have unrestricted access to changing and updating their addresses. Otherwise, how can they input credit card information for a card they cannot receive due to a move, thus compromising the promised credit card protection by the company. To the management and corporate executives, if you are confident in your understanding of business-related issues, please feel free to contact me anytime. My time is valuable as I am billed per hour by my clients. The times I have tried to resolve issues caused by the company's poor management have led to frustration and wasted time. Despite my efforts, there has been no resolution or regard for the issues I have raised. I feel that this company does not value my time or loyalty, and in my honest opinion, lacks integrity by disregarding the potential financial frustrations and damages they are causing their clients. Sincerely, A. Montaño

During a five-month hospitalization following a blood transfusion, I missed payments due to my medical issues and subsequently faced challenges with addiction. Now, as I attempt to log in online or via phone to address outstanding fees, I realize I lack access to my old email and phone number linked to the account. I am seeking assistance to potentially waive late fees stemming from this difficult time. It is crucial that I regain access to my account, update my contact information, and navigate these financial matters more effectively.

As a long-time member of Credit One Bank, I recently faced a challenging hospitalization period. Unfortunately, I lost my card during this time and am unable to access my account details or address past due balances and potential fee waivers. Furthermore, my contact information on file is outdated. Although I have my login credentials, I am unable to reach online or over-the-phone assistance without my card number. Hence, I am requesting a replacement card to resolve these issues promptly.