ComplaintsforCredit One Bank

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Initial Complaint
06/10/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Today I called Credit One to determine a solution to a issue that I have with them and I asked to speak to their department that canceled account so I can see if I can get a resolution before closing the account. The person answer the phone transfer me to somebody else that person I didnt get a chance to even say to words too, because the phone dropped the call and hung up, but the representative that transferred me to her had already given her my information and told her that I want to close my account which I said I wanted to talk to them and see if we can find a resolution so I didnt have to close the account. So the phone hangs up I called back to finish discussing with them to see if I want to close the account or not, and they illegally after the phone disconnected. I never had any words with this representative. They legally closed my credit card without me telling them to close it I said I wanted to inquire about it and the representative that I did not even get a chance to talk to you because the phone dropped the call and it hung up Closed my card and they said that they couldnt open it back up unless I paid the overdue balance I guess the finance charges came through making it go over the credit limit so they said they could not open my car back up even though I did not tell her to close it but sure I never even had a conversation with the second rep so thats why Im contacting you guys because they closed my credit card without my permission and refused to open it back up without money Thats gonna affect my credit score and everything because they close that account illegally without me telling them to. I just told him I want to see what my options were with the issue I was having I didnt close the account. I never spoke to you again the second representative because the phone disconnected and I had to call them back.
Business response
06/20/2024
please see our response attached
Customer response
06/22/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Thank you guys for opening it back up, but they should not do that and close peoples account if they dont talk directly to that department that they are transferring us to when the phone hangs up do not close peoples accounts because you dont have the verbal authorization after you guys transfer and say that you cant do it in one department that you need to talk to a different Department.

Sincerely,

***************************
Initial Complaint
06/04/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
4-14-2024 DATE OF TRANSACTION. CREDIT CARD FRAUD CHARGED TO MY ACCOUNT AT ********************. COMPANY OR PERSON WAS YATRA GURGAON [[. DID NOT AUTHORIZE THIS AMOUNT OF PURCHASE AND DON'T KNOW THIS COMPANY OR PERSON. CREDIT ONE BANK SAYS THAT I AUTHORIZED THIS PURCHASE AND I DID NOT. THIS ACCOUNT HAS BEEN HACKED AND HAVE DELETED ALL THE OTHER CHARGES BUT THIS ONE.
Business response
06/12/2024
See Attachment
Customer response
06/12/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*************************
Business response
06/25/2024
See Attachment
Customer response
06/25/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*************************
Initial Complaint
06/03/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I applied for a credit card through Credit One Bank in February. Come March I still hadn't received the card, I called and they said that they would send another out after verifying my information again (everything was correct). Another month and I still did not have my card. Along comes the first payment that they said would be forgiven and fixed on the statement because I still had not received the card, I did not activate it as I had not received it yet. During month of April I had still not received it and they charged me a late fee because they had not restarted my account as they said they would. I had received a negative hit to my credit because of this. May comes and I receive the cards in the mail, but confirmed on the phone with them that I would not activate or add a bank account until they resolved my "late" payment and credit. They confirmed that was okay. I went to activate it once everything looked cleared and they refused to activate it without me just reapplying. They were never helpful over the phone, never had answers, and now I have a negative impact on my credit from a card I just received, never used, and cannot activate. Upon researching, a lot of people have negative experiences with them and I don't think they should be able to be in business. I can get my call logs if needed. Their calls are recorded. I never received any notices of our conversations and only texts of the codes that they needed at the times of calls.
Business response
06/10/2024
please see our response attached
Initial Complaint
06/03/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have been in contact with Credit one bank numerous times and have not gotten a resolution. I just simply want my name as a authorized user removed from a ********************** card that I am no longer tied to. I got divorced about 2 years ago already and my ex still has me as a authorized user. I want no part of it and don't need it to be on my credit report. I have provided his social and everything that was needed to do the task. Can you please help me get this removed off my credit report and I don't want to be a authorized user on it anymore. I can provide the divorce decree. please help
Customer response
06/05/2024
I also forgot to add if you needed it would be my previous married name it was under **************************************** since then I've changed my name after the divorce
Business response
06/07/2024
The response correspondence is attached.
Initial Complaint
06/03/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Under 15 U.S Code 1681 e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report,It shall follow reasonable procedures to assure the maximun possible accuracy of the information concerning the individual about whom the report relates 15 U.S. Code 1681i (5) treatment of inaccurate or unverifiable information (A) In general if,after any reinvestigation under paragraph (1) of any information disputed by a consumer, an tem of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall, promptly delete that Item of information from the file of the consumer, or modify that item of information, as appropriate,based on the results of the reinvestigation and ) promptly notify the Furnisher of that information that the information has been modified or Deleted from the file of the consumer; please remove the following tem from my credit report, immediately: Credit One Bank, account # **************** this account is being reported inaccurately, please remove this from my Credit Report Immediately
Business response
06/12/2024
See attached correspondence
Customer response
06/12/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*********************
Initial Complaint
06/03/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I was sent an offer letter from credit one fir $2000 credit. When i applied they only gave me $300. I get the card in the mail 2 WEEKS later and as soon as i activate it they take $75 for some made up fee that is not in any disclosure or signed documentation when applying for or signing up for the card. So the credit line is not even 300 its $225 because they literally STEAL $75 from you. Then the card doesnt even work i have over $115 available credit, yet the card does not work anywhere! They keep tryin to ***** gas stations saying they hold alot of money bt i tried at the register (prepaid), uber eats, and atm cash advance. NOTHING works. So i got a card that affect my credit that i cant even use and its brand new. They dnt help when calling they just say the same lies and hang up in your face. I just joined them and already hate this lame stealing company useless!!!!
Customer response
06/05/2024
This company is retaliating against me because of my original BBB complaint, and will not let me use my credit card nor get help from customer service agent or account specialist!
Business response
06/05/2024
See attachment
Business response
06/10/2024
See Attachment
Customer response
06/10/2024

Complaint: 21789828

I am rejecting this response because:
As you can see, they CLAIM they cant determine what will be declined but almost every single transaction has been declined and i never recieive help. That document is fake/altered because there is nothing that says $75 annual fee in my disclosures and it shouldnt be charged the very first day i activate the card. Also, they have been taking away money from my available credit randomly. Nothing has been fixed at all
Sincerely,

***************************
Business response
06/14/2024
See Attachment
Business response
06/18/2024
See Attachment
Initial Complaint
06/03/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Credit one bank is reporting on my consumer report a "charge off" a charge off according to the *** requires that the company give the consumer a 1099C and I have not received it. Which means the debt has been FORGIVEN. It is also illegal to report income on a consumer report.Credit one bank never validated the debt according to 15 USC 1681 and is in numerous violations.
Business response
06/07/2024
See attached correspondence
Customer response
06/10/2024

Complaint: 21789608

I am rejecting this response because you by LAW are suppose to give me a 1099C when writing off an alleged debt.
I never received anything and CREDIT ONE BANK is still reporting income on my consumer report.
if the balance is not $0 out , and removed off my consumer report immediately I will seek legal action for the numerous violations of the **** Credit One Bank has violated.

Sincerely,

***********************
Business response
06/14/2024
See attached correspondence
Initial Complaint
06/03/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with credit one bank collections department. I do not have a contract with their collections department. They did not provide me with the original contract as I requested.
Business response
06/10/2024
Please see attached.
Initial Complaint
06/03/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Credit One has determined they are going to cancel the account but the account still shows on my credit file. They have also transferred over to a company i do not have any contractual agreement with. I request the transfer to be cancelled. Please remove the account and delete from my credit report.
Customer response
06/03/2024
Signed Form
Business response
06/11/2024
Please see attached.
Customer response
06/11/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***********************
Initial Complaint
05/30/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On 5/15, i wrote a letter to the presidential office of credit one and also another letter to the correspondence PO box about a good will removal of late payments. I also sent 3 different emails to the *** and other representatives about this matter but never received a response. I did receive a response back in the mail about the letter i wrote but the response was about the information reported being correct which i never wrote about inaccurate reporting, i was writing about a goodwill removal which i found out you could do on there website blog. I was hoping to get in touch with someone that can handle this instead of getting a automated response about something that is not related to my inquiry.My account number is ******************* the case number is received in the letter back is: ***********
Business response
06/03/2024
Please see attached
Customer response
06/04/2024

Complaint: 21779645

I am rejecting this response because:
I would like a goodwill removal of late payments. I have read a blog post on how to do this and i submitted two already. This is my third one through BBB. The blog post is from you guys. I have attached a link below.
**************************************************************************************************************

Sincerely,

***************************
Business response
06/07/2024
Please see attached

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