Credit One Bank Customer Service Issues

I am looking to validate my account and obtain information related to the last payment date, charge-off date, and sale to a collection agency. I require a document confirming the account charge-off and sale for statute of limitations purposes under the Fair Reporting Act. I would like clarification on the total amount due at the end of the last billing cycle, the duration of accrued interest until charge-off, and details on the new account holder to address the debt settlement and update my credit report accordingly. Thank you, N.C. [redacted].

I would like to address a situation regarding our credit card accounts that fell behind due to a personal tragedy. Despite always being current and in good standing, the unexpected loss of our daughter resulted in missed payments as we focused on her recovery. As we work to improve our credit scores, we are willing to settle the accounts by paying the full balance excluding late fees, interest, and additional charges. We kindly request that the accounts be reopened if possible, with the assurance of removing any negative reporting from our credit files. Alternatively, if the accounts are already charged off, we seek a complete deletion from all credit reports upon full payment. We would appreciate receiving a written agreement outlining these terms before proceeding with payment. Your understanding and cooperation in this matter are greatly appreciated. April C. Miguel C. [redacted] High Street Burlington, NJ [redacted]

I recently received a notification from a collection agency. Firstly, I want to remind you that as a Vietnam War veteran, my benefits were taken from me, and I promised to pay you once my benefits were restored, which happened earlier this month after nearly three years of financial hardship. Despite attempts by the collection agency to collect from me prematurely, I cannot pay until my benefits were reinstated. I stand by my commitment made to you three years ago. You cannot access my government-related benefits, and I will not pay the collection agency. Please remove the agency and reinstate my credit card as promised. Otherwise, the collection agency's efforts are futile. Veterans like myself have been unfairly treated by the system.

After making a timely payment on my Credit One account, I found out a few days after the due date that the payment was returned. Credit One claimed my bank never received the charge. Despite sending a detailed letter explaining the situation and making the next month's payment from the same account, my account remains suspended. Attempts to contact customer service have been frustrating, as I am left on hold indefinitely without speaking to a supervisor. This has been the most disappointing customer service experience I have ever had.

I recently received my Capital One credit card for emergencies only. Upon checking my account after a missed payment notification, I was surprised to find it maxed out. I contacted customer service, and the representative was unhelpful and blamed me. Despite having fraud protection, I was disappointed with the lack of support during this difficult time. I explained my previous experience with fraud on my checking account and Capital One card, where the company was quick to assist. I find it disheartening that the current situation is being handled poorly. I urge for a resolution and better customer service. Thank you, A.S.

My wallet was stolen, and there are $[redacted].00 fraudulent charges on my 2 Credit One credit cards. The cards were swiped without my possession. I have faced challenges due to language barriers while trying to resolve this issue. An agent hung up on me during a call. The charges occurred at a CVS I do not visit. I submitted a dispute letter but have not received a response. I learned that customer services are in India and the Philippines, leading to communication issues. Please help resolve this matter in the fraud department.

I am providing my resolution to the fraudulent charges on my Credit One accounts. To start, it's important to note that all representatives at Credit One are located in either India or the Philippines, not in the US. The fraud department appears to be non-existent. I have sent two letters regarding the theft of my wallet and provided detailed information from my statement, requesting a credit for the fraudulent amounts, which is my right given the protection fees I pay each month. I informed them about specific stores and gas stations I do not visit due to past fraud incidents. I operate mainly with cash to avoid leaving a trace. I included instructions on disputing charges along with my letter and signature to speed up the process, as they tend to challenge missing information. My name is Kay H.

I have not received the fraudulent funds owed to me by Credit One. Dealing with their representatives has been consistently frustrating since February. Conversations are unproductive, resolving nothing and taking three times longer than necessary. I've decided to close my accounts and stop this futile pursuit. Using GetHuman only adds another layer of frustration; expressing myself online doesn't help. This situation has escalated, and it's beyond what a robot can handle. PLEASE CLOSE THE CASE.

I recently got this new card, only had it for a month. I've been making express payments whenever my balance goes over $[redacted] to keep it at zero. Just realized there's a limit of 4 payments a month. Tried to make another payment, got an error message. Contacted support and was told I couldn't make another payment until 6/6. Waited, tried again on 6/6, but got the same error. Called support and got no clear answer. Was told to try on 6/7, same error. Called again, even asked for a supervisor, but got hung up on after waiting for 35min. Tried once more on 6/8, but still no luck. Frustrating experience!

I recently received a credit card that I did not apply for. I have been billed a $75 annual fee even though I never activated the card and have no intention to do so. During my call to customer service, the representative requested my full social security number, which I declined to provide. I do not plan to use this overpriced card, activate it, or have it affect my credit report. Despite my attempts, I have only been able to connect with customer service agents from other countries who insist on obtaining my social security number. I simply want to discard the card and ensure it does not impact my credit. I received the bill a few weeks ago and have no intentions of making any payments towards it. Thank you for your assistance.

I applied for a $[redacted] credit card and anticipated being declined, but still hoped for a chance. I am looking to speak to someone capable of potentially overriding the decision as I aim to build my credit. While I don't necessarily need a credit card, having one would aid in building credit by consistently repaying borrowed funds. It seems like my credit report and debts are the only factors considered, reducing me to a set of numbers and letters. If feasible, I would be grateful for the opportunity to discuss this over the phone with someone who has the authority to assist. Thank you for your time and consideration.

Hello, my name is Susan S. Morton. I recently checked my credit account with Experian and was notified that my information was compromised on the dark web. This has greatly affected my reputation, and I am currently searching for a new place to live due to a rent increase. Despite having proof of payment receipts, my credit report shows missed payments. I had to delete my Yahoo email account due to security concerns. I preferred mailing money orders to avoid online payment risks, but it seems my information was still compromised. I inquired about adjusting a payment date, but I was told it could disrupt the payment cycle. If you notice any suspicious activity related to my account, please inform me as soon as possible. Thank you for your assistance. Susan S. Morton

Dear Credit One, I applied for a Credit One credit card and would like to include my household's joint income of $68,[redacted] per year to potentially increase my credit line. This combined income will help in achieving a higher credit limit for better credit utilization. If granted a credit line of $[redacted]-$[redacted], a $[redacted] charge would result in a 50% utilization rate, which is less than ideal for my credit score. By considering our total income, I hope to receive a more suitable credit line to manage my credit responsibly and improve my credit health. Name: Damianos P. Manolis Application code: WKK29M42JZH3WF Card offer: Platinum Visa Credit line requested: $[redacted] Thank you for your attention to this matter. Damianos P. Manolis

This situation is getting difficult to handle. Despite my numerous calls, it seems you do not understand that I am unable to speak on the phone. Other credit card companies have a chat service instead of just automated responses. I am dissatisfied with the way you conduct your business. Recently, you contacted me about a charge on 8/3 that was not authorized. Moreover, a specific retailer has made unauthorized charges exceeding $[redacted] on my card. I have requested to cancel both my cards. I will be sending a formal letter outlining these issues. I refuse to pay OneWish.com for items I did not purchase. Despite my attempts to explain the situation, it appears you are not comprehending the severity of it. My account was compromised, and I bought an item from a different vendor. I acknowledge owing $99 for that purchase. I need clarity on the warranty and return process, but your responses have been lacking. Your inadequate service has led to repeated losses on my part.

I fell behind on my credit card bill due to job loss. I am now working as a contractor with a lower salary. Customer support informed me there is no available program for a payment plan. It was challenging to understand the representative due to their heavy accent. I was informed there are no options to help me get back on track or get reduced payments. Additionally, late and annual fees will accrue. I don't see how increasing my bill will help me pay back the debt if I can't pay the full amount now. I got the impression the company is not interested in receiving payment. It's puzzling that the policy doesn't allow for smaller ongoing payments. Why set up a policy that seems destined to fail the customer? If there are other options, please provide them. Kerin D. [redacted]

I made my payment on time using my checking account, but strangely it was deducted from my savings. This is unusual because my bank account numbers are distinct: one ends in a 2 for checking and the other in a 3 for savings. I confirmed that I inputted the correct details, but due to this error, I incurred late and return fees along with an overdraft in my savings. I am hesitant to make future payments to avoid a repeat of this issue. How can I recover the lost funds and rectify this error?

I accidentally bought three massage vouchers on the Groupon app using my CreditOne credit card. The charges were $55, $65.50, and $47.50, totaling $[redacted]. I requested refunds for the $55 and $65.50 charges, which were approved via the Groupon app over two weeks ago. Today's date is 11/4/19. The refunds should have been processed and reflected in my CreditOne account, but they have not. Despite showing negative transactions for the two purchases, the full $[redacted] charge remains on my CreditOne statement. This discrepancy is affecting my current balance on the card, making it inaccurate.

I have noticed multiple charges on my account from wish.com, but I have not received any products. I have been unable to obtain an invoice from them. Credit One has been calling me constantly, day and night. I have previously mentioned this issue to you. To keep it brief, Credit One has been applying a late fee for the past three months, even though I have not been late on any payments. My current balance with Credit One is $[redacted].16. If they insist on this fee, I will settle the total amount owed and close the account.

I was extremely ill when my pastor reached out to my 5 credit card companies for a payment break due to my condition. All companies except Credit One Bank agreed to extend my payment period for 18 months or more, showing understanding and compassion. Credit One Bank, however, only granted me a $[redacted] credit limit, unlike the others that allowed thousands. The lack of consideration from Credit One Bank left me feeling undervalued. I have sought help from friends in the talk show industry to address this issue. I hope that after legal action, Credit One Bank will reconsider how they treat their customers. Thank you for letting me share my frustration, and I hope my experience prompts them to improve their customer service in the future. - M. Brown

I attempted to make a payment online yesterday, which was the due date, but the website failed to load completely. I successfully made a payment last week using a different card. After contacting customer service, I was informed by a representative that they were in the process of fixing the website and it should be operational by 1 pm. I requested for them to note my account about my payment attempt. Despite checking again later that day, and last night, I still couldn't access the site. This morning, I spoke to a representative with a strong accent who mentioned a late fee, but he kindly waived it. He offered to take my payment over the phone with an additional charge, which I declined as the website issue wasn't my fault. I politely asked for an American agent to call me to waive the phone fee so I could proceed with my payment. This situation highlights the challenge of offshore customer service representatives who often have limited authority to make decisions outside their guidelines.