Credit One Bank Customer Service Issues

I find the verification process frustrating and unnecessary. I have used the same checking account to pay my bill since receiving the card. It seems pointless to require verification at this point. I am willing to pay my bill promptly, yet you are creating obstacles. The service representatives were unhelpful and difficult to understand. Consequently, I have decided to cease using the card and will not recommend your company. I intend to dissuade others from utilizing your services as well. Your $9 phone payment charge seems unjustified and benefits your company, not the customers. This inconvenience is unacceptable.

I am experiencing ongoing issues when using my Credit One card for purchases. Each time I try to make a purchase, it gets declined. Even when I input the card details online, the transaction seems to go through initially, but I receive calls and emails later from the companies stating the need for an alternative payment method. Despite contacting Credit One, they assure me there have been no denials on the account. This has been a repeated occurrence, and after calling them today, I encountered the same response. I have double-checked the accuracy of my online purchases, yet they continue to be declined. Other cards I use do not present this problem. When reaching out to Credit One, the representatives dismiss the issue, claiming it does not exist. However, as the cardholder, I am certain of the rejections happening.

I ordered from Diesel Power Gear for $73.45. Concerned about poor reviews indicating delayed or incorrect orders, I attempted to cancel my order due to non-responsiveness from the company. Despite multiple calls and emails during business hours, I have not heard back. I am seeking a resolution by canceling the order and receiving a refund to my credit card.

I mistakenly made a payment to Credit One Bank using an old bank account that I had already closed. Even though I had updated my account information, the old one remained. When I contacted them about the issue, they requested a faxed statement. I promptly sent it, but months later, my account is still closed at the grantor's request. This situation is now affecting my credit score, which I have been diligently working to improve.

I had sent a fax that was supposedly not received, and then I emailed a bank verification letter on 11/19/19, which still has not been processed. Every time I contact the company, they request different information. I believe all the necessary details are already with them to reopen my account. There was an error in my payment, prompting the need for the bank verification letter, which I have sent twice. However, it has been well past the promised 10 business days for processing. This situation is affecting my credit score, and the delay is unacceptable. I have complied with all requests and provided the required information, but the issue remains unresolved. I am requesting a call from a supervisor today to address this promptly.

I recently applied for a Credit One credit card and was requested to send in copies of my social security card and driver's license to verify my identity. Despite sending the copies in on time, I received a letter from Capital One Bank stating that my credit card application was canceled, which I did not request. I was told by a representative that I could reapply, but I am unsure if it is too soon. I would appreciate it if someone could provide me with more information. Thank you.

Someone has fraudulently used my information to apply for a credit card with Credit One Bank. They have made purchases totaling $[redacted] and have not made any payments. I have been in China since August 26 and am unable to make purchases in the USA. I realized this when my credit score dropped unexpectedly. The account number, visible on the Chase app, is 4[redacted] [redacted]***. I need to report this fraud, close the credit card, and obtain the fraudster's contact information. Thank you. My phone number in China is +8[redacted] [redacted].

Yesterday, I tried changing my password online but did not receive the temporary password via email as promised within 15 minutes. I attempted this process twice but no email came through. There was a contact number provided, [redacted], for assistance if the email was not received, but upon calling, I only encountered pre-recorded options that did not address my issue. Sadly, I am now locked out of my account and frustrated by the lack of support as I tried multiple numbers and reached only automated recordings without any option to speak to a representative. I am considering closing my account due to this unsatisfactory customer service experience.

I was recently approved for a $[redacted] credit card. I was informed that there is a $75 annual fee, but I was told it wouldn't be charged until January. Clarification is needed regarding if I have the full $[redacted] credit available to use until the fee is deducted next month, making my total owed $[redacted], or if I should consider $[redacted] as my available credit and leave $75 for the upcoming annual fee.

I've received an email asking me to confirm my bank account by verifying two small deposits, $0.46 and $0.51. After searching for the link to complete this for one hour, I couldn't find it. It seems you may be hiding it to push users to pay $9.00 for express payments, which I find frustrating. As a result, I plan to settle my balances and close both credit cards with you due to this dishonest tactic. Kindly provide guidance on how I can verify my bank information to clear my balance and proceed with canceling my cards. I will start looking for a more reputable credit card provider. Thank you.

Due to my recent change in employment, my monthly income has decreased to $1,[redacted] starting from October 31st. I have secured a new job that will bring my total income to $36,[redacted]. Unfortunately, I am in a challenging situation with my credit card debt amounting to $55,[redacted] across 17 accounts. I am seeking to avoid bankruptcy and have enlisted the services of Beyond Financial to negotiate settlements on my behalf. Before proceeding with them, I would like to explore the possibility of renegotiating directly with you. I currently hold two cards with balances of approximately $1,[redacted] and $[redacted], with corresponding limits. The high interest rates are hindering my ability to make meaningful progress in reducing the principal amount. I propose reducing the credit limits on both accounts to $[redacted] each, maintaining the cards with restricted purchasing abilities, and lowering the interest rate to 10% until the balance is brought down. Subsequently, the rate could return to the original 24.15%. This arrangement would ensure complete repayment, retain a loyal customer, and still generate interest for you. If this offer is acceptable, please contact me via email at [redacted] Thank you for your consideration. Bren Breithaupt.

I am canceling my account with you. I was surprised when my credit card was declined at Olive Garden on Saturday because I knew my available balance. I will not pay $[redacted], as I only spent $[redacted].64 at Wal-Mart and $32.00 at Olive Garden, totaling $[redacted].64. I have not had your credit card for long and want to settle this amount. Please update my account accordingly. If not, I will consider taking further action. Thank you, Nancy S.

I recently got a Credit One Platinum Visa card. While I haven't used it much, I noticed a $46 balance. I'm unsure how to track my cash back rewards on the app. When will I see the cash back rewards appear in the app or on my statement? Thank you for your help. - Danna B. (email: [redacted])

I contacted to have the authorized user removed from my account after reporting my lost card. However, instead of receiving a card in my name, I got one addressed to Jennifer Warren, causing a significant security concern given past abuse. I urgently request a new card in my name, Commalena Moseley, to ensure my safety. I ask for the removal of Jennifer Warren from my account per my previous request. My birthdate is November 21st, [redacted]. The delay in resolving this issue has prevented me from paying my bill, so I kindly request that the late fee be waived until I receive the corrected card.

Since last month, I believed my payments to Credit One went through because I received a confirmation number. However, the payment did not go through because there were insufficient funds on my card. I discovered that the money was actually placed in my stash, and by the time I un-stashed it, it was too late to make a payment. I currently do not have phone service, only Wi-Fi, and my phone has water damage, making it impossible to use a calling app. Consequently, my account is now closed. Is it possible to rectify this situation, or is it too late?

Hello, my name is Rebecca. I am curious to know what the balance was before the additional fees were included in this bill. I am finding it challenging to pay the total amount of $[redacted].00. I am in the process of looking for a new home for my family, so understanding the balance before the extra charges were applied would be greatly appreciated. Please feel free to reach out to me at [redacted].

I recently applied for an additional credit card and was approved, but when I tried to sign in to my account to accept the offer, there was no option available. After contacting customer service, they claimed my application was declined due to suspected fraudulent activity. I provided a copy of my driver's license as requested, but then received conflicting messages - first an approval letter for a Creditone American Express card with a $[redacted] limit, then a declination due to suspicious activity. I was never informed of any fraudulent behavior. I was advised to use a different device to reapply because my iPhone's address was flagged as fraudulent, even though I've used the same laptop for two years. Despite confirming my phone number multiple times, their system doesn't seem to recognize it. I'm frustrated by these issues preventing me from getting the new card, especially when my payments are processed without any problems.

My Visa card is set to expire in December [redacted], which is just 4 days away, and I am concerned that my renewal card has not arrived, possibly lost in the mail. I am currently in the Philippines on vacation until 3/31/20, making it challenging to address this issue over the phone to avoid high roaming charges. My name is Sylvia G. Black, and I reside at [redacted] Redford Place, San Diego, CA [redacted]. I hold two Credit One cards, specifically a Visa and a MasterCard. The one expiring in 4 days is the Visa card with the last four digits [redacted]. I rely on this card for my electronic bill payments, so I am eager to receive the renewal card promptly.

Please waive my annual fee. With my account closed and debts accumulating due to financial and medical issues, I cannot handle additional fees. I request the account to be closed without further late charges and annual fees. I am seeking a lower settlement rate through collections to address my financial struggles. I never received credit protection benefits on the account to assist with minimum payments during my disability and hardships. I need copies of my credit one account statements from its opening month to December [redacted]. Despite my attempts to communicate with customer service, I have faced difficulties in obtaining information on charges for the closed account as I never receive bills. I urge for a settlement agreement or collection action as I cannot afford the escalating costs on the closed account. The current customer service support via phone has been unhelpful, and I hope for a prompt and effective resolution. Thank you, Christina G.

I've been trying to reach the Collections department for four days now, but whenever I call the number I have, [redacted], I receive a message saying Roanoke Admin's mailbox is full and to call back later. When attempting to contact Credit One's Customer Service center, I encountered unhelpful and rude staff members who were unable to assist with my collections problem. I am eager to settle my debt and make a payment, but the lack of access to someone in collections is preventing me from doing so. I am extremely frustrated with this entire situation.