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Complaint Details
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Initial Complaint
06/25/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
March/2024 I called to cancel my Credit One credit card with no balance June/2024 Credit One reported Delinquent Account Reported By ********************** Na Reported On Jun 09, 2024 Account Balance $59 I have contacted them several times that I had in fact closed this account.I have had not been contacted by Credit One until I looked at my Credit score. Credit One still is reporting a delinquent account.Any help is appreciated.Business response
07/01/2024
PLEASE SEE ATTACHEDCustomer response
07/05/2024
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 for your assistance.
Sincerely,
*******************Initial Complaint
06/25/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I applied for a credit one bank card through credit karma and have been waiting for it. Looked online and saw that it was mailed to me, but it was never received at my home address, noticed that on credit one, they have my last name as my previous last, so the mail carrier probably sent it back. I called credit one to see if i can change the last name and get it resent, i was given a hard time about even trying to get the account looked at. The guy didn't want to take the last 4 of my social-wanted my complete social security, I gave him all my information, but I cannot give that information to someone who is clearly working overseas. Anyway, I log on to credit one app and i see that I already have a $75 charge on the card. IN NO WAY was I told that there was going to be a fee for this card, ESPECIALLY a $75 fee. Nope, not doing it. I want this card closed-because I don't have it in my possession anyway, card hasn't been activated how is it going to have a charge? I want this card closed and this $75 fee taken away. I can do without this card.Business response
07/02/2024
PLEASE SEE ATTACHEDCustomer response
07/03/2024
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
06/21/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I am not the best person with money, nor with credit, but recently I started to look through my credit card statements to ensure I understood why my credit card balances are the way they are. What really concerned me, when I made my minimum payment according to the Credit One app option to pay the minimum payment, when I received my new bill, I noticed my balance increased, putting me over my limit and affecting my credit score. When I received my new statement, I noticed the minimum amount due on my statement was higher than the minimum amount due in the Credit One app for the upcoming payment on 6/28. On my statement, I have a due date of 6/28 with a minimum payment of $118 due; however on the app, with a screen shot to prove it, I have a due date of 6/28 with a minimum payment of $79 due. I am well educated and can recognize when there is an agenda to keep uneducated/busy people in a cycle of debt and bad credit.There were two other times this happened, although I do not have the screenshots to prove because I didn't think there was a need but I must express due to convenience, I use the app and trust the minimum the payment option provided through the app for the due date and it's usually around the same amount, give or take a few dollars. When I look through my statements, two minimum payments stand out to me 2/28 minimum payment of $103 (through the app I paid the minimum payment of $73), 5/28 minimum payment of $117 (through the app I paid the minimum payment $78 - you can see on my statement 5/5/25-6/4/24 where I made a payment of $78 through the app).Business response
06/26/2024
The response correspondence is attached.Customer response
06/27/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and while I find that this resolution is unsatisfactory to me on the behalf of other individuals, I will not worry myself with your lack of integrity due to your general statement. Ive read the disclosure of my credit card statements and have full understanding of how minimum payments are determined.My complaint was completely dismissed that your Credit One app and statements are inconsistent in regards to minimum payment due. Regardless, the minimum payment due notated in the app with the original provided screenshot should be the same as on the statement. Your obvious general statement shows me your company has no integrity. God sees everything, and I pray you all get it right for your sake, all people involved, & for the sake of others who are too busy or uneducated enough to compare statements to app minimum payments. Im just glad I know going forward your company cannot be trusted.
Sincerely,
Bridada ***** (formerly ******)Initial Complaint
06/20/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Hello, I am writing as a dedicated and long-standing customer of ********************** for the past few years. Your institution has consistently provided exceptional service, for which I am grateful.I am reaching out to address an issue concerning my account. Last year, my family experienced a significant life event with the arrival of our newborn child. The joyous occasion also brought forth unexpected challenges, which affected my ability to make payments on my credit card account.The labor and delivery process involved unforeseen complications, necessitating an extended stay at the hospital for further testing and observations for both the well-being of the newborn and myself. This prolonged stay, coupled with the inherent adjustments to caring for a newborn, led to a disruption in our financial responsibilities.The nights following the arrival of our child were filled with caring for their well-being,including numerous sleepless nights attending to their needs and adjusting to the new family dynamic. This adjustment phase, while immensely rewarding, also caused a temporary disruption in my ability to maintain timely payments on my credit card account.I take full responsibility for the late payments reflected on my account. As someone committed to financial responsibility and with a history of timely payments before this event, these recent late payments do not reflect my usual conduct. I kindly request your consideration in removing these late payments from my credit report. Doing so would significantly alleviate the impact on my credit profile and assist in maintaining financial stability during this critical phase of my life.I genuinely appreciate your attention to this matter and am hopeful for your understanding and support. I am fully committed to continuing a positive relationship with Credit One Bank and look forward to benefitting from the privileges of being a valued cardholder.Account Number: **************** ; Late Payment Date: October 2023Customer response
06/20/2024
Here is the privacy released form, signed.Business response
06/26/2024
PLEASE SEE ATTACHEDCustomer response
06/27/2024
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
06/20/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I used to have credit card with this company but I called them to cancel my credit card and they did. Meanwhile I owe them them $300 that I make $30 payment on every month but I've noticed within the past year everytime I paid my $30 monthly payment they always add another $20 on top of what I originally owed them, for that reason, my account wasn't reflecting the monies i've paid. They are scamming me. I called them to explain this issue and see what's going on but they just keep hanging up the phoneBusiness response
06/27/2024
The response correspondence is attached.Initial Complaint
06/20/2024
- Complaint Type:
- Order Issues
- Status:
- Resolved
I received a credit card that I did not apply for. I did not activate the card and was trying to contact the company to ensure someone didn't apply for the card with my information. I tried calling the number provided in the agreement and it was an automated service that would not help with my issue. About a week after I received the card that I didn't agree to, I received an invoice. Again, I tried to call for assistance in getting the issue resolved with no luck. The agreement states that the deal is invalid if the card is not used and the bill is not paid. I have done neither and would like confirmation that this card is canceled and that I am not responsible for the invoice. I am also sending a letter as the agreement suggests to reject the agreement.Business response
07/01/2024
Please see attached.Customer response
07/03/2024
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
06/18/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I have been a victim of identity theft since 2013. I provided a police report that has video evidence showing a man and woman using my identityCustomer response
06/18/2024
I would also like to say that I contacted Credit One to tell them that the charges were not mine and someone I had no way of verifying myself until getting a new I.d at which point I had been locked out of all my accouynts and it took several months and some I had to create new accounts. I made every payment on the charges I made> I contacted credit one about the unauthorized charges but at that time I had no proof. I would like my credit report to reflect the payment I made for the charges I made not the payments I didnt make on unauthorized chargesBusiness response
06/21/2024
Please see the attached response letters.Customer response
06/26/2024
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
06/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
On or around May 5, 2024, I received (after I had applied and was approved) my Credit One Bank credit card. I think I used it two times and was attempting to add my new card to my ****** Wallet when it kept declining. So I log into my account and my available credit is gone...$0.00. I call customer service for them to tell me my available credit is on hold because **** says I have to verify my address. I was told to provide my driver's license, utility bill, and W-2 form. I provided all of those except utility bill because the only utility bill I have is my **** cell phone bill, which they said isn't accepted.I do not have a utility bill because for the last 6 years, since February 2018, I have lived in an extended stay hotel called the ****** Suites in ******, **. The first supervisor at Credit One Bank advised me to upload a rent receipt and a letter stating why I didn't have a utility bill. Which I did. They did not accept that. I have submitted my rental agreement but they did not accept that. I don't understand why this is an issue. I have the same address on everything and I've never been asked to verify my address until now.As of this writing my available credit is still not available, and I made my first payment that was due and the second payment is due 7/1/24. I have not been able to use the card. I don't understand what is going on and why they couldn't verify my address.Please help me.Business response
06/17/2024
Please see the attached response letter.Initial Complaint
06/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Credit one bank reported me to the credit bureau for a delinquent payment on a credit card that was canceled 4 months after the account was closed. It had no charges at the time it was canceled. I have called them repeatedly and they said first that they would take care of it and clear the erroneous charges and then after it was reported to the credit bureau that they would take care of that too and have it removed. I have spoken at length to the call center in ***** and to the ********* office. All I have spoken to said it would be taken care of and it had not happened. They told me to wait three weeks. I have waited way longer and nothing. It lowered my credit score by 49 points!Customer response
06/15/2024
The Credit One Bank account has been closed but they can still pull it up by my last name and the last four #of the card which are 1037. I hope that you have all you need. please let me know if you need anything else.Business response
06/21/2024
Please see attached.Initial Complaint
06/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I reviewed my consumer reports and noticed that I had two late payments on Credit One Bank, account # ****************, that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside complaint on dates WITH TRANSUNION, EXPERIAN AND EQUIFAX DOESNT MATCH EACH OTHER. Its not 100% accuracy. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to PAID as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached This account has so many inaccuracies reported like last verified status, date of last activity, date reported, account open date. Last payment all are inaccuracy on my report. On top of that payment history all 3 credit report agencies doesnt match each other. I have screenshot to prove for it. TransUnion credit report showing: I was late 30days on October 2022 & 30days on July 2023. Equifax Credit report showing: I was 30days late on September 2022 & 30days late June 2023. Experian Credit Report showing: I was 30days LATE on September 2022, & 30days on June 2023 Clearly all the credit Bureaus doesnt match each other, its not 100% accuracy on my credit report. Please remove all late payments to PAID and never late. Please update the report and mail me confirmation its UPDATED.please check the attachment with the details supporting documents.Customer response
06/12/2024
attachment has my signature and all information was asked from meCustomer response
06/12/2024
here is the documentBusiness response
06/20/2024
Please see attached.Customer response
06/20/2024
nothing was done here, they didn't no any investigation about this issue. credit one bank keep updating wrong information to my credit bureau about its hurting my credit score.Customer response
06/21/2024
Complaint: 21835130
I am rejecting this response because:ConsumerMost Recent MessageDate Sent: 6/20/2024 3:42:41 PM
nothing was done here, they didn't do any investigation about this issue. credit one bank keep updating wrong information to my credit bureau about its hurting my credit score.
Sincerely,
*****************************Business response
06/25/2024
Please see attached.Business response
06/25/2024
Please see attached response.Business response
06/25/2024
Please see attached response.
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Customer Complaints Summary
2,078 total complaints in the last 3 years.
847 complaints closed in the last 12 months.