Credit One Bank Customer Service Issues

In April, I purchased 2 items online, but never received them. I tried contacting the vendors, but their contact information led to different companies. I reported the issue to the service department, but my claim was denied based on delivery proof for one item. The tracking numbers and phone numbers provided were for unrelated items and companies. One item, a 15-piece tool set, couldn't weigh only 2 pounds as it included power tools. The IP address listed in the customer details isn't mine. The other item, a large toolbox, should have been delivered by truck. I've provided all this information to customer service, but they keep denying my claims and suggest contacting non-existent companies for refunds. I noticed unauthorized charges on my account but resolved it with my bank. I wonder why the fraud department couldn’t verify the inconsistencies given the information I provided. I've been struggling with over-limit charges and interest on my card due to this issue. I've requested a response via email and was even hung up on by a manager when seeking assistance. I want these claims reopened as they seem like fraudulent activities, and I worry about other customers being affected. It has been a nightmare. I also received someone else's paperwork and seem to be missing documentation for one of my claims.

I applied for a Credit One Bank Platinum Visa card and received notification through [redacted] When I contacted customer service, one representative advised me to mail specific documents to Las Vegas, while another suggested emailing the information to [redacted] The documents requested were a copy of my social security card, a photocopy of my Driver's license/State ID, and a Utility bill/Phone bill/bank statements. I'm unsure which method will expedite the process. Any suggestions on the best way to streamline and speed up my application?

A few months ago, I received a letter stating that I qualified for one of your credit cards. I applied, received it, but never used it. Surprisingly, I was charged $39.67 in the first month with no charges made. I paid it. The following month, I received a $50 fee, which I refused to pay as I still hadn't used it. If the purpose is to build credit, clarity on charges, whether used or not, is essential. I decided to cancel the card by mail and cut it up. I possess three other credit cards and only pay when I use them. Misleading practices are unacceptable. Despite this, receiving a refund check today for my first payment was a pleasant surprise. This gesture meant a lot to me as a senior on a fixed income. Thank you sincerely, Christine L. James.

I recently received my Credit One card and used it once. I've been waiting for a bill to know how and who to pay. After two weeks, with no information, I had to call to inquire about payment. I just got the bill on Saturday, and it was confusing. It stated an amount of $80, but when I called, I was given different amounts by the live representative ($[redacted]), phone call ($60), and automated customer service ($60). The real issue is the constant calls I receive, 4-6 calls daily, since I had to call to figure out my payment details. It feels like harassment as the calls come from agents in six different states. I wish to resolve this matter promptly.

I am requesting a reconsideration of my Credit One credit card application, having received a pre-approval for $[redacted]. Surprised by the denial despite my consistent on-time payments for a year, I am disappointed in the discrepancy between the pre-approval and the outcome. While hopeful for a higher balance to consolidate smaller debts, I am disheartened by what feels like a deceptive practice. Consequently, I am requesting the cancellation of my current Credit One Card ending in [redacted] exp-05/24. I appreciate the card's use but find the recent experience unnecessary. Kindly inform me once the cancellation is processed. Regards, Chris Becker. [redacted] [redacted] McHenry, IL [redacted].

I would like to cancel my CreditOne account without any charges. I had a previous free CreditOne card years ago with a $2,[redacted] limit which I paid off. Recently, I received an offer for a new card with a $[redacted] limit and fees, prompting me to cancel in writing immediately. As a hard of hearing individual, I require written communication for all transactions. Unfortunately, I couldn't find a way to contact them through messaging. Given the ADA regulations, it is concerning that communication barriers still exist with financial institutions like CreditOne. Despite canceling in writing via USPS, I was notified of a delinquent payment. I fear being charged for a card I never wanted or used, along with potential late fees and interest accumulating. I seek assistance with this situation. Thank you.

I have faced severe financial struggles due to both the impact of Covid-19 and Hurricane Ida. After losing my job in Houston during the pandemic, I moved back home and secured a promising contract role at $75 per hour. However, the recent evacuation caused by the hurricane, which I had to do alone with my dog, has left me facing substantial unexpected costs. Unfortunately, my insurance does not cover these expenses, and FEMA has declined to reimburse the $[redacted] evacuation fees along with an additional $[redacted] for necessary fence repairs in my yard to protect my 7-month-old puppy. Despite my efforts to be transparent about my situation with a new job opportunity, the uncertainties resulting from the hurricane have led me to lose this job. With dwindling finances, upcoming bills, and no immediate relief options, I find myself in a challenging predicament with no clear solution in sight.

I've been attempting to verify my identity with the United States Postal Service. Unfortunately, I am unable to provide a utility bill in my name as all utilities are under my boss's name, who is also my landlord for the past 27 years. I am sending over other state documents to help with the verification process. Despite facing financial challenges, I have always paid my credit card bill promptly, usually before the 3rd of the month. I am unsure why there appears to be an issue with my account. I hope the additional paperwork I am submitting will assist in resolving this matter. Thank you.

Last week, I discovered an issue with my Mastercard ending in [redacted], as it was suspended in July possibly due to a missed payment period of three months. While I am usually prompt with my payments, technical difficulties prevented me from making timely payments. After resolving the issue with customer support and reinstating my account to current status, I now have a payment due next month. This situation has impacted my retirement plans to secure a reverse mortgage, as they require a statement from Creditone confirming that the missed payment was a one-time technical error that has been resolved. I kindly request your assistance in providing this clarification. Thank you.

I had a frustrating experience with a female representative at Credit One who was unwilling to transfer me to the IT department to address a technical issue she couldn't resolve. Despite my attempts to explain the issue and the bank's closing time, she kept me on hold and insisted on resolving it herself. This ultimately led to a poor customer service experience, with language barriers and difficulties in communication. The subpar website functionality, coupled with subprime credit practices targeting vulnerable populations, raises concerns about the bank's practices. I encountered issues with resetting my password due to website bugs and outdated interfaces. It seems that both Credit One and Applied Bank have significant room for improvement in their customer service and technology. There is a clear need for regulatory scrutiny to protect consumers from such institutions, particularly vulnerable groups like Gen Z and college students.

I am reaching out regarding a late fee and additional charges on my credit one visa card payment made on 10/27 at 4:00 PM Pacific Time. Despite being close to the deadline, I have evidence of the timely payment via a screenshot that displays the payment time. However, an incorrect late fee has been applied, causing an overdraft in my checking account and leading to significant financial distress. I have been unable to find assistance online. I kindly request to speak with a live person to address this matter promptly. Thank you for your attention and have a great day! :)

Hello, I am writing to address an issue with processing multiple payments within 30 days, resulting in some not going through due to my bank account being frozen. This caused my Credit One account to be closed. I am eager to settle my account in full and would appreciate any assistance in reopening it. I acknowledge the inconvenience caused and am keen on maintaining my relationship with your company. Despite having the amount to clear my dues today, both online payment and customer service channels are restricted until November 21, [redacted]. I regret any trouble this has caused and seek your guidance on reinstating my account. Thank you, A. H.

I have consistently made on-time payments on my Credit One card for over a year. When the COVID pandemic hit, there were a few occasions when I tried to make a payment from my checking account, but it failed due to insufficient funds. I was warned that multiple failed attempts could lead to account closure. Despite that, my fourth attempt of a $[redacted].00 payment succeeded as there were enough funds. Surprisingly, the next day I received an email informing me that my account was closed. This has left me unable to use my credit card and is harming my credit score. I am seeking guidance on disputing this issue and having it removed from my credit report.

I have had a Credit One credit card for many years and have maintained a perfect payment record. Missing a payment would significantly impact my credit score. To prevent this, I enrolled in their new autopay feature. Despite confirming that it was set up correctly, Credit One claims my payment is overdue while the autopay status shows as "processing." I was not given the option to select a processing day, and now it may not go through on time. I have ample funds in my bank account to cover the $8.43 minimum payment. Autopay is meant to prevent such issues. If this problem persists, I will close my account. I am displeased by Credit One's sudden introduction of an annual fee and the mishap with autopay. Additionally, the lack of human customer support options is frustrating and there seems to be no way to address payment disputes or seek clarification on this matter.

I have never exceeded my credit limit, but for the past few months, I have been going over it each month. I suspect there is some fraudulent activity involved. Today, I tried four times to make a normal automated payment, but each time I was directed to a customer service representative asking for an additional $7 fee to process the payment. It seems contradictory for Customer Service to charge customers for assistance. Despite my payment not being due until the 28th, I wanted to make a double payment today to prevent future charges. However, I kept being routed to a live agent, which seemed unnecessary. I am willing to pay any fees related to my account, but I refuse to pay an extra $7 for the bank to handle my payment. If needed, I can be reached by phone. I am disappointed by this experience and will consider reporting it to the Attorney General in North Carolina.

I recently received my statement after having my card for about 2 to 3 months. I only made one purchase, but it is showing a balance of over $[redacted] and a minimum payment of $90. This doesn't seem accurate as I have already sent in payments for the first two months and didn't make one this month since I didn't receive my statement on time. I'm on a fixed income and cannot afford a $90 payment this month. I need assistance with this issue and clarification on my statements. Thank you.

I initially signed up for the card with an annual fee of $39, but upon receiving the card, it states that the fee is $75 annually. I activated the card today (12/04/21) but have had a change of heart and would like to cancel it. The email I received references a card ending in [redacted], while the actual card I have ends in [redacted]. I have canceled the card on the same date as activation and kindly request not to be charged the $75 fee.

Subject: Credit Score Inquiry Hello, I am puzzled about the recent decrease in my credit score by over 30 points in just a month. Despite going through challenging times like everyone else, I diligently paid off all my debts over the last 2 1/2 years. Upon reviewing my free credit report, I was disheartened to see my hard work undone, setting me back significantly. As I approach sixty next year and with the added complications of COVID, I am keen on rebuilding my credit swiftly. Aiming to secure a home and a car necessitates good to excellent credit, something I find increasingly vital. Though my payments are typically prompt, unforeseen circumstances led to a slight delay of a day or two in one instance. I assure you I am committed to preventing any such occurrences in the future. I kindly request a reassessment of my credit score, hoping for a positive adjustment. Thank you for your consideration and empathy. Warm regards, K.N. [redacted]

I am requesting a refund for the Microsoft Windows 10 Home software I purchased from My Choice Software last Saturday. My purchase order number is [redacted]. Although I cannot recall if I paid $89.99 or $89.00, I would like to return the product as it is not needed. My Choice Software does not provide a phone number for customer support, hence my reaching out to you for assistance. I have not used the product key, which should make me eligible for a refund to my card. The software itself is fine, but I simply do not require it and am unable to contact the company directly. Thank you, B. Silletti.

Good morning, I am reaching out to report that individuals named Mitchelle S. and Laurie L. R. and their associates seem to be engaging in unauthorized access to bank accounts, possibly including mine. These individuals are familiar with some of my personal details as I had a past relationship with a member of Laurie's family. I kindly request a thorough review of my bank account activity following my most recent transaction as no activities have been initiated by me. It is crucial for me to maintain financial integrity to improve my credit standing. I have already notified all my credit card issuers regarding this matter. Additionally, their intrusion extends to my email accounts on platforms such as Court, Outlook, and Gmail, which is concerning. Thank you for your attention to this matter.