Credit One Bank Customer Service Issues

I made a payment on my account but mistakenly entered the wrong number, causing one payment to be rejected and my account to be closed despite making a correct and timely payment right after. This has negatively affected my credit score as it now shows a closed account with a balance due. I am currently in the process of buying a new home, and this sudden change in my credit report due to the account closure is causing issues for me. The customer service I have received during my attempts to resolve this matter has been extremely unsatisfactory, adding to my frustration with this situation. I urgently need this issue rectified to avoid further implications on my credit and financial situation.

I am experiencing difficulty with my hearing, and when I seek help over the phone, I encounter communication barriers due to representatives whose first language is not English. Consequently, my attempts to resolve an unauthorized $89+ charge on my credit card, made right after I raised my credit limit, have been unsuccessful over two days. The charge appeared in my pending transactions but then vanished, leaving me puzzled about its origin and purpose. Despite my immediate notification to the company, the issue persists, and the $89+ deduction affects my available credit. Subsequent calls have connected me with representatives whose accents I struggle to comprehend, further complicating the situation. It appears that the customer service team may not be based in the USA. While a new card may be on its way, I am adamant about restoring the $89+ to my credit balance. Sincerely, White Eagle.

I have previously sent multiple letters regarding an inaccurate account reporting on my credit file via certified mail. Despite being on active duty military service, this account is not mine. I have not received any response to my inquiries. The negative reporting lacks specific details on the account and how it was transferred to another company. I believe this violates my FCRA rights, especially under Florida state law and additional protections for active duty military members. I request immediate contact to address this issue or to provide details of your company's registered agent for potential legal action. You can reach me at [redacted].

I am extremely disappointed by my recent experience with Credit One Bank. After receiving numerous messages and emails encouraging me to apply, I decided to do so, only to be surprised by a rejection. I hope this does not negatively impact my credit score. I kindly request that I am not sent any further offers. Thank you. Card Offer: Platinum Visa® Name: GCPS Application Code: SK12Q821JYVQWF Transaction Date: 9/29/[redacted] Transaction Time: 4:58 PM Pacific Time Status: PENDING Additional information required. Thank you for considering Credit One Bank. Your credit card application could not be processed at this time. Please expect a letter requesting further details shortly. Please keep this confirmation receipt for your records. For updates on your application, you can visit CreditOneBank.com anytime.

I have recently received numerous messages, mail, and emails inviting me to apply for a Credit One Bank Platinum Visa card. Despite finally deciding to apply today, I was disappointed to find out that my application was declined. I hope this doesn't negatively impact my credit score. I kindly request not to receive any more offers from Credit One Bank. Thank you for understanding. Confirmation Receipt: Card Offer: Platinum Visa® Name: G.C.P. Santos Application Code: SK12Q821JYVQWF Transaction Date: 9/29/[redacted] Transaction Time: 4:58 PM Pacific Time Status: PENDING - Pending receipt of additional information. Thank you for considering Credit One Bank. Unfortunately, my credit card application cannot proceed at this time. I will await further instructions in the forthcoming letter. Thank you.

Subject: Dispute of Alleged Debt I am writing to dispute the $[redacted].00 debt claimed by your company. I am seeking validation of this debt under the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and relevant state laws. I request evidence with my signature proving any contractual obligation on my part. Please be informed that any negative credit marks from your company or affiliated parties without valid verification violate the FCRA and FDCPA. Failure to substantiate the debt may result in legal action for damages, seeking at least $[redacted] per violation for defamatory practices, negligent identity fraud facilitation, and violations of the FDCPA and FCRA regulations. Kindly refrain from any actions affecting my credit profile until this matter is resolved. Your prompt reply within 30 days is necessary, or I may pursue legal recourse locally. Future steps may involve publicizing my experience, including notifying relevant consumer protection agencies. For communication, contact me at: Erika J. [redacted] Suttles Court, Fredericksburg, VA [redacted] XXX-XX-[redacted] Thank you for your attention to this matter. Sincerely, Erika J.

I recently noticed unauthorized charges on my account for September and October. In September, there were charges from Benefit Savings Group for $1.27, Dap Global Marketing for $1.48, and Doc Well for $9.95. In October, I was billed by Doc Well for $19.90, Slim Coach for $19.95, and Dap Global for $23.45. I canceled these charges after speaking with a representative who assured me I could review before accepting. I called back within days to cancel, and my cancellation confirmation number is [redacted]. When I tried to follow up, the phone number provided was invalid. I suspect fraudulent activity associated with Doc Well online. If the unauthorized charges are not resolved, I request that my card ending in [redacted] be cancelled and a new one issued. My SSN ends in [redacted], and I can be reached via email at [redacted]

I have noticed unauthorized charges on my account from Benefit Savings Group, Dap Global Mktg, Doc Well, and Slim Coach in September and October. I am requesting that these charges be reversed. I fell victim to a scam where I was promised a $[redacted] gift reward for reviewing information sent to me during a phone call for my Cpap supplies. The scam company can be reached at [redacted]. After realizing I was scammed, I tried to cancel the gift certificate and any associated subscriptions based on the welcome letter I received on 8/29/18 with confirmation number [redacted]. I also received unsolicited magazine subscription letters but haven't received any magazines yet. The company's contact number, [redacted], was unreachable. Both companies are from the same address. My name is Helen Staber, with the last 4 digits of my card being [redacted] and SSN ending in [redacted].

I recently received a Credit One Credit Card with a $1,[redacted] credit limit. Despite receiving the card, I've encountered issues using it at various stores and malls. After contacting customer service 16 times, the problem persists despite their assurances of fixing it. They have various excuses like suspicious activity or high fraud risks at certain stores. Even after supposed resolution, the card still doesn't function, except at gas stations. The lack of resolution and inability to speak to a supervisor is frustrating. Despite being approved after a credit check, the card is practically unusable. Considering reporting this to consumer affairs and the BBB.

I have contacted three customer service representatives on three different occasions about my credit card being declined. Despite them claiming to have lifted the restriction on my card, it remains unusable. They mentioned a safety issue with a particular website, such as Google, but did not provide clear explanations. I was never informed of these restrictions before and received no emails or voicemails about it. The mobile app also locked me out without any notice. Each representative assured me that my card would work within 15 minutes, but it continues to be declined. Additionally, the heavy accents of overseas representatives make it challenging to understand them clearly. I seek more transparent communication and assistance from someone fluent in English to resolve these issues promptly.

I am frustrated with the way my issue has been handled. I have been a loyal customer for many years without missing any payments, but the treatment I received after this incident is unacceptable. This matter needs to be made public as it seems unjust and should not be allowed. I am requesting my credit to be corrected promptly, as I find it outrageous that this issue has persisted for so long. Despite my attempts to address this with the company, the resolution has been unsatisfactory. I have informed various companies and news organizations via email about this situation. I expect the appropriate person from the fraud department to reach out to me within a week; otherwise, I will have to take further action.

I made a payment for my card on Wednesday, Oct 31. Unfortunately, the payment was returned as NSF. After speaking with my bank, they confirmed that the payment was not attempting to go through again. Consequently, my card was suspended. A representative mentioned that my credit card was closed at the request of the bank. I have been a customer since [redacted], with a recent increase in my credit limit. Despite asking the representative to reprocess the payment, she mentioned that it was beyond her control now. As I am closing on a house loan, this situation could impact the loan approval process. I am uncertain why the payment was unsuccessful and would like to settle it to reactivate my card, considering my loyal history with the company.

On October 31, I made a card payment that was returned as NSF. Despite speaking to my bank about it, they do not show any issues with the transaction. Consequently, my card got suspended. Upon contacting a representative, I was notified that my credit card was closed at the request of the bank. I have been a customer since [redacted] and recently received a credit limit increase. I requested the representative to try submitting the payment again, but she mentioned it was beyond her control. I am currently in the process of closing on a house loan, and this situation might affect my application. I am unsure why the initial payment failed, but I am eager to rectify it and potentially reinstate my card. Reviewing my account history, I have maintained loyalty as a customer.

In August, I settled my balance and requested my account to be closed. I was assured it was closed by the representative I spoke with. Recently, I received a call claiming I owed $69. When I contacted them last Thursday, I was informed of the outstanding amount. Oddly, I was asked if my deactivated card was activated. I agreed to settle the $69 under the condition that my account be officially closed, and no further contact be made. Despite this, I was surprised to receive an email this morning about a new document in my account. I am frustrated at Credit One's lack of communication and professionalism. The continuous mismanagement of my account has left me feeling exasperated. I hope to resolve this promptly to avoid any further issues.

Dear Credit One Bank, I am writing to address three missed payments on my account, which have negatively impacted my credit history. Despite my efforts to stay current on my bills, I was unable to login to my Credit One app to make the necessary payments due to technical issues. I have since paid the outstanding balance, but I am kindly requesting that these late payments be removed from my credit report. As a hardworking truck driver and part-time student, I take my financial responsibilities seriously. I am expecting my first child and it is crucial for me to improve my credit score for my growing family. I appreciate your assistance in resolving this matter promptly. Thank you, Luka Cuk

Hello, I would like assistance with my credit card. I am unable to remember my password and my card is currently blocked. I need it unblocked as there are unpaid grocery bills on it. I have funds available and would like to use my card for purchases. Could you please assist me in changing my password and unblocking my card? You can contact me at my phone number [redacted] or email me at [redacted]. Thank you.

I am a customer of yours but I am no longer able to access my account online. I have tried multiple times to reset my password without success, even attempting on different devices and browsers. Despite speaking with various Credit One representatives, this issue remains unresolved. You can check my account for the notations. My name is Paula Joyce Ureste, and you can reach me at [redacted] The last four digits of my SS# are [redacted] and the last four digits of my card are [redacted]. Previously, I have always paid early and wish to continue doing so. While currently, I can only make payments by phone without being charged, I strongly believe being charged for phone payments when the online system is not working is unfair. I aim to make my next payment by Jan 6th, preferably earlier by phone at no extra cost. Thank you for your help in addressing this matter. Paula Joyce Ureste

I have two credit cards with CreditOne Bank, a company owned by your organization. I am experiencing issues with the Spanish and English customer service teams regarding a recent large payment I made on both cards. After the payment was made, one of my cards was blocked because they stated they needed a bank statement to verify the payment. I have always used either my Chase or University Credit Union debit cards to pay my bills without any problems. I find it concerning that only one card was blocked, while the other was not. Now, I am being asked to provide a bank letterhead confirming the payment, even though I have been a customer since [redacted] and have consistently paid off the full amount. It seems unreasonable that I am being asked for additional documentation after already paying $[redacted], and I have never encountered issues with the customer service or my credit cards before. This situation is frustrating and confusing, as it seems unfair to be penalized for reducing my card balances to improve my credit score.

I have been unable to make payments for several months now due to issues accessing CreditOne's website on my new computer. I don't have the account number to log in and I'm not sure if I receive paper bills with an account number. When I tried to log in, the website made me jump through hoops to verify my identity, which I couldn't do. I had always paid my bill online until now. When I attempted to change my password, the site informed me that my account was locked. I am eager to bring my account current and avoid it going to collections. Unfortunately, I currently have no phone service to call for assistance. I am hoping someone can reach out to me so I can arrange to make monthly payments and reduce the balance. Any help is greatly appreciated.

My name is Debra M. Jones, and I recently attempted to apply for a credit card with your company. Unfortunately, my application was denied because I do not have any recent car loans, which I believe is unjust. It has been over a decade since I last owned a car, and I feel penalized for that. I also have not taken out any loans in the past 17 years, which I see as another form of discrimination. Over the past 10 years, I have diligently worked on improving my credit score. During my five-year tenure at Aaron's Rental, I never missed a payment. Currently, I have been with Furniture Fair for nearly two years, consistently paying my bills well ahead of the due date. I have made significant purchases totaling $[redacted] with them. I was hopeful that obtaining one credit card could aid in enhancing my credit score, as I have never had one before. Unfortunately, my efforts seem to have been in vain.