Credit One Bank Customer Service Issues

I have been attempting to use my Credit One card for the past two days following a potential fraud incident that I confirmed. After experiencing declines at Walmart, receiving a fraud alert confirming my authorization, and having my card work again, I tried to send money via Cash App to my son in another state. Despite having successfully used Cash App with this card before, I encountered an "invalid card" message after multiple attempts. Even after calling customer service eight times, authorizing every declined transaction, and being advised to try using the card at a physical location, my card remains unusable. Each representative indicates my card is unlocked with no restrictions, provides my account balance, and bids me a good day. This situation is incredibly frustrating, particularly when I urgently need the card to be functional.

Credit One Bank is not transparent about DOXO being a third party on their website. I was charged $10.50 for next-day credit that did not happen, and now they say it will take 7 to 10 days. Why pay a fee to wait? This seems fraudulent. I want my money posted to my card immediately. DOXO, being a third party of Credit One Bank, is not clearly stated and misleads about the availability of funds on the card. Despite paying $[redacted] plus the $10.50 fee in January, my card does not show the payment today. Talking to three Credit One Bank employees, I learned the delay is due to the third party, and I have to wait up to 10 days for my balance to update. It's frustrating to have the money deducted from my account without it reflecting on my card. This situation feels like fraud.

I recently applied for and was approved for a $[redacted] credit line. I received my Credit One credit card in the mail promptly after 17 days with instructions to activate it immediately, which I did. However, when trying to use the card, I was prompted for a pin number that I hadn't received. This situation has happened multiple times now, and I am unsure whether this is a credit or debit card. Even though my annual fee was successfully charged to the card, I'm unable to utilize it. I've never encountered this pin requirement with any of my other up-to-date credit cards. Please reach out to me at [redacted] Thank you.

I've been having trouble logging into my account to make payments for the past two months. Every attempt I've made has failed, showing an error message that says my username and password are incorrect. I've even tried to reset my login details, but when I enter my card information, it claims there are errors with the card number, expiration date, or CVV code. I attempted to scan my card for automatic input, but the issue persists. With late charges accumulating because of these technical difficulties, I am considering paying off my balance to avoid this situation every month. Please provide guidance on how to make payments online since my phone service is poor, preventing me from calling for assistance. Online payment seems to be the most feasible option for me. Thank you, C. Gurney

I recently received a preapproved visa letter and mistook it for a 'Capital One' offer. Without carefully reviewing the terms, I applied, assuming it was from Capital One, with whom I have a secured Mastercard and have had no issues. After applying, I realized it was not from Capital One and that there are hefty fees involved. I do not want this card, especially after learning about the hidden fees and customer payment issues. I submitted my application on 2/11/20 around 6:30 pm Pacific Time and would appreciate assistance in canceling this Credit One Bank Visa before it is finalized. Thank you, E. Koch.

I recently discovered an unauthorized charge of $[redacted].76 in my bank account. This charge was related to a credit card debt that I was unaware of and was not given a chance to arrange a payment plan for. I have had a disappointing experience with customer service as they were unable to assist me with this matter. I am Dylan Shelby and my account number is ending in [redacted], although it has been closed without my consent. I also have another account ending in [redacted]. I would like Credit One to either refund the $[redacted] to me, establish a payment plan, or reinstate my closed account with the full credit line available. I am dissatisfied with Credit One's business practices and believe they should improve their customer service.

I mistakenly sent two workers to cancel my account, but they refused to do so and continued talking on the line for 18 minutes without providing written confirmation. I prefer not to be emailed, but to have a supervisor cancel the account and provide written confirmation. The customer service experience was frustrating as they wouldn't cancel my account despite my request. I want the account canceled as the card was issued in error.

I need to inform Credit One Bank that I am unable to continue making payments on the two accounts I have held with them for several years. During an 8-month period of unemployment, I struggled to make most of the minimum payments. However, with accumulating interest and late fees, the current minimum payments are now unmanageable alongside other essential expenses like rent, car payments, and bills. Regrettably, after analyzing my finances, I realize that attempting to pay this month did not help me as much as I anticipated. Consequently, I will have to skip payments, as my income will not increase significantly to cover these expenses, and the fees will only grow. Defaulting is not what I desired, but it seems to be the only option left to me. Thank you, Dianne Sanderson.

I made a $50 payment on my account on March 6, [redacted]. I keep getting emails asking me to verify small deposits, which I already did. Despite this, I received another email on March 7, [redacted], asking for verification after making a $50 payment. I ended up with a $28 late fee because Credit One didn't process my $50 payment. I need help fixing this error to avoid late fees affecting my credit report. I have tried contacting Credit One multiple times, but due to Covid-19, the office is closed every time I call. Please reach out to me at [redacted] to resolve this issue promptly. Thank you.

I am experiencing a recurring issue with my Credit One Bank credit card being blocked due to suspected fraud. Despite having resolved this in the past by verifying transactions, I am currently unable to contact anyone as the bank's phone system advises to call back during regular business hours. I have attempted to call multiple times today to no avail. I rely on a relay service for communication and can only receive calls via this method. Additionally, I am using my granddaughter's cell phone as my own does not support RRT, likely due to it being a government-issued phone. I would appreciate any assistance in resolving this matter promptly. Thank you. Sincerely, J.G.

Urgent: Attention Credit One Bank, I, Hanna Frazier, with the last four digits of my social security number being [redacted], am reaching out regarding my refund of $[redacted] (Reference # 73793K2DM2J00YGJA) on my credit card. I have attempted to contact your call center without success for over a week. I previously spoke to a representative about receiving a refund for Justin Bieber concert tickets purchased with my Credit One Bank card. I was told to call back once the refund processed to receive a check for $[redacted]. Unfortunately, I am unable to reach anyone now and have not received the refund. In addition to the obstacles I have faced, I noticed that the refund amount displayed is $[redacted] instead of the full $[redacted]. I had cleared my balance by paying the $39 annual fee and the $[redacted] for the concert tickets, totaling $[redacted] before any interest or new charges. I should receive the complete refund of $[redacted] without deductions. The situation has caused me extreme stress, and I insist that the accurate refund of $[redacted] be promptly sent to me by check. Failure to do so will result in severe action, and I will no longer use my Credit One Bank card. I am deeply dissatisfied with the service provided by Credit One Bank. Current Address: [redacted] W 118th Mews Westminster, CO [redacted] New Address for Refund Check: [redacted] Newton Street Westminster, CO [redacted] Sincerely, Hanna Frazier

I encountered a frustrating situation with Credit One Bank. I made a $[redacted] payment towards my credit card, needing to use it later, only to find out that my card was blocked due to an attempted online purchase in another country. Despite my attempts to contact customer service to resolve this issue, I was met with a message stating high call volume without the option to wait in line. This lack of accessibility and the absence of a customer service email address is concerning and could result in unwarranted fees for many customers. I am wondering if anyone has advice on how to proceed in this frustrating situation.

I have been trying to get access to my account for years and am frustrated by the lack of response. Being disabled, I rely on paying bills online. Despite reaching out multiple times, no solution has been provided. A missed payment has now appeared on my credit report due to this issue. I have contacted your company via email and phone, requesting to speak to a supervisor for resolution. Unfortunately, no one has reached out, and my credit history is now affected. As a disabled individual, it is challenging for me to handle physical transactions. I will be contacting all three credit bureaus today to address this situation. I have kept records of all communications for their reference. It is disheartening to continually face obstacles in resolving this matter. - S. R.

I had $[redacted] available credit with a $[redacted] balance. After receiving a $[redacted] cash advance, a live agent assured me only $5 would be added to my balance. However, I was recently notified via text that my available credit is now $[redacted] and my balance is $[redacted]. This discrepancy is confusing and unfair. I'm perplexed as I was under the impression my balance should be $[redacted]. Clearly, money has been deducted without explanation, leaving me puzzled and frustrated. I demand transparency regarding these charges. Without a satisfactory explanation, I refuse to make any payments. Contact me immediately to clarify this situation. If left unresolved, I'll have no choice but to close my account. A prompt response is crucial.

I have been attempting to reach Credit One through your customer service line, but my calls keep getting disconnected before I can speak with a representative. I initially chose this credit card thinking it was a reputable company. I have a concern regarding the annual fee as I was charged $75.00 twice within a short span of not even two weeks. I expected the fee to be charged once a month, not twice in one month. Despite making timely payments five times this month, I am puzzled by the double annual fee charges. I am planning to settle the entire balance in the next two weeks, but I am confused about the reasons for being charged twice this month. Additionally, my balance seems to fluctuate drastically, and despite making multiple payments, the balance remains high. I urgently await your response on this matter.

I received an email from CreditOne Bank stating that I am pre-approved for a credit card with a credit line of up to $[redacted].00. After providing the requested information, I received a confirmation that I was approved for a $[redacted].00 credit line. However, I was surprised to see that there is an annual fee of $75.00 that is due immediately upon receiving the card, which I find misleading. The approval is still pending final verification, and I am requesting to cancel the card to avoid any issues. I have tried contacting CreditOne Bank without success, so I am reaching out via email to ensure the card is not sent out and the account is canceled. Given my limited income as a result of disability, I cannot afford unexpected fees at this time, especially after recently losing a cousin to the virus. Please do not send the credit card and cancel my account if already opened. Thank you for your assistance. Steven Winkler Application Code on the Confirmation Receipt: SG23322VNDBWWF Credit Line: $[redacted].00.

I am urgently seeking assistance and would appreciate a live representative reaching out to me promptly via phone or email. I acknowledge the current challenges with the coronavirus and recognize the limitations it presents, yet I am constantly experiencing disconnections when attempting to contact customer service. The absence of an online chat feature is complicating matters concerning my credit card issues. Daily fluctuations in my credit card balance, available credit, and unexpected annual fees have disrupted my financial management. Despite making six payments in the past month, my credit score remains unstable with erratic changes. Available credit is fluctuating without corresponding charges, and I have been billed thrice for annual fees since March 2. This inconsistency and lack of clarity may lead me to seek another banking institution if my concerns are not addressed promptly. I expected this credit card to improve my credit score, not hinder it. Additionally, the credit score displayed on the app is inaccurate. I implore you to investigate these issues thoroughly and provide a resolution promptly.

On March 11, [redacted], I made a payment of $[redacted]. On March 14, [redacted], I noticed a late fee on my account due to the timing of my payment. I contacted customer service at 12:10 and spoke with Jacob. He promised to waive the fee based on my history of timely payments. However, upon checking my account after paying the full balance of $2,[redacted].63 on March 21, [redacted], I discovered that the late fee of $35 had not been removed, leaving a remaining balance of $39.89. I am willing to pay the $4.89, but I expected the late fee to be waived as per Jacob's assurance. I would appreciate it if the $35 late fee could be removed promptly. Thank you for your assistance in resolving this issue. I anticipate a prompt response from the customer service team. Sincerely, M. McIlwain

Hello, this is Dorothy Garcia. I've been dealing with issues related to my Capital One Visa card for the past 5-6 months. Despite trying to pay my bill on time each month, I have faced challenges setting up my online account and reaching customer service at 1-[redacted]. I've experienced long wait times, being placed on hold for over half an hour, and have not received assistance in avoiding late fee charges. Today, after numerous attempts, I was finally able to speak with a representative by continually pressing zero, only to be put on hold for an additional half hour without reaching a supervisor. This ongoing problem with accessibility is frustrating, especially considering the $8 monthly fee, even when the card is not in use. I hope to resolve these issues promptly as maintaining good credit is essential.

I always pay my bills and credit cards on time. I have been trying to contact customer service for days without success. Whenever I choose the pay-by-phone option, I end up back at the main credit one bank number. The website is also not letting me log in to make my payment online. Even when I try to reset my password, it gives me an error message. This customer service experience is incredibly frustrating. I want to pay my bill, but I can't reach anyone. Should I mail my payment due on April 21st, [redacted], since the phone and online options are not working? Will my payment be processed if I mail it? This situation is unacceptable. I might consider involving the Better Business Bureau or seeking legal advice if I can't make a payment. I just want to pay on time, but the current payment methods are causing too much trouble. Please advise.