ComplaintsforCredit One Bank

• Initial Complaint

  08/04/2021

  Complaint Type:

  Delivery Issues

  Status:

  Answered

  More info

  I applied for a credit one credit card through a ******** app and never received or activated card and they kept sending me bills which I ignored. I called them they said they sent another card and had my address wrong. I never activated any card and decided to forget about the whole scam because they were already billing me. Without receiving or activating a card. Now I have a 700.00 bill in collections from them and it's wrecked my credit. THIS SCAM NEEDS TO STOP. They did the same bait and bill tactic to my roommate right after they did this to me and geared the billing to where he couldn't pay on time or get anyone on the phone. Just to charge late fees. PLEASE HELP ME.

  Business response

  02/18/2022

  Business Response /* (1000, 13, 2021/08/23) */ RE: Account Number Ending In **** Case Number *********** Dear ***** ******, Credit One Bank received your communication dated August 11, 2021, forwarded from the Better Business Bureau of Southern Nevada. Thank you for bringing your concerns to our attention. We will make every effort to serve your needs in a manner more consistent with your expectations and our high standards. Per your request, your account was closed on June 7, 2021. Since the account had not been used, adjustments were submitted to create a zero balance. Please note that Credit One Bank is a separate and distinct entity from, ****, INC and is not affiliate with, ****, INC. We have verified that the account is not being reported to the consumer reporting agencies. If you have any additional questions, please call Customer Service at ************, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number ********

• Initial Complaint

  08/04/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I became completely disabled in March of 2021. I was no longer able to work and began the long process of applying for disability benefits. Credit One assured me that they would work with me last month yet when I called them yesterday to arrange to make a small payment, I discovered that they had closed one of my accounts and wanted to charge me hundreds in late fees. All of my other creditors had programs they put me on that would help me get back on track to pay my bills but Credit One had no such program, told me that unless I made a almost $300 payment my last account would be closed and I had a supervisor laugh at me when I told him I was disabled. This company is parasitic and has zero customer service. I didn't ask to become disabled and I kept them in the loop as to what was going on the whole time. Up until becoming disabled and being out of work I had never been late on a payment to them. Even during Covid when my pay was impacted, I still paid them on time.

  Business response

  01/07/2022

  Business Response /* (1000, 11, 2021/08/11) */ August 11, 2021 ********************************************************* RE: Account Number Ending In **** Case Number *********** Dear ***** *****, Credit One Bank received your communication dated August 4, 2021, forwarded from the Better Business Bureau of Southern Nevada. Thank you for bringing your concerns to our attention. We will make every effort to serve your needs in a manner more consistent with your expectations and our high standards. While we empathize with your current situation, Credit One Bank does not offer payment arrangements; however, we do accept proposals from approved agencies that are members of the Financial Counseling Association of America ("FCCA") or the National Foundation for Credit Counseling ("NFCC"). These nonprofit agencies are trained to work with customers who are experiencing temporary or long-term financial hardship. To locate an agency in your area, please contact: Financial Counseling Association of America ************************ National Foundation for Credit Counseling ************************ As a courtesy, we have processed the following fee adjustment(s) on your account, which will appear on an upcoming billing statement: Late Fee $141.00 Total $141.00 As of the date of this letter, your account is open with a balance of $826.11. Billing statements will continue to generate and the remaining balance will continue to accrue interest and all applicable fees (including the Annual Fee) until the account is closed and has been paid in full. We have forwarded the concerns you expressed to the appropriate department for review. While we are unable to share the results, we greatly appreciate you sharing your experience. If you have any additional questions, please call Customer Service at ************, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number ******** August 11, 2021 ********************************************************* RE: Account Number Ending In **** Case Number *********** Dear ***** *****, Credit One Bank received your communication dated August 4, 2021, forwarded from the Better Business Bureau of Southern Nevada. Thank you for bringing your concerns to our attention. We will make every effort to serve your needs in a manner more consistent with your expectations and our high standards. While we empathize with your current situation, Credit One Bank does not offer payment arrangements; however, we do accept proposals from approved agencies that are members of the Financial Counseling Association of America ("FCCA") or the National Foundation for Credit Counseling ("NFCC"). These nonprofit agencies are trained to work with customers who are experiencing temporary or long-term financial hardship. To locate an agency in your area, please contact: Financial Counseling Association of America ************************ National Foundation for Credit Counseling ************************ As a courtesy, we have processed the following fee adjustment(s) on your account, which will appear on an upcoming billing statement: Late Fee $68.00 Total $68.00 As of the date of this letter, your account is open with a balance of $1,577.53. Billing statements will continue to generate and the remaining balance will continue to accrue interest and all applicable fees (including the Annual Fee) until the account is closed and has been paid in full. We have forwarded the concerns you expressed to the appropriate department for review. While we are unable to share the results, we greatly appreciate you sharing your experience. If you have any additional questions, please call Customer Service at ************, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number ********

• Initial Complaint

  08/03/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  My Credit one card account was closed and they blocked me so I couldn't see my account on line. So in June I payed the balance off since I could no longer use the card. Then today they called me and said I owed 70 something dollars for a annual fee. then I tried to explain that the account was closed I shouldn't owe anything. They started transferring me to different departments. Finally when I did get the right department he ask me a security question which I answered then he ask me to spell it. Well I spelled it wrong so he couldn't access my account..... But none of the other agents had a problem getting access to my account Bottom line is they are scamming people out of money !!

  Business response

  01/19/2022

  Business Response /* (1000, 11, 2021/08/16) */ August 16, 2021 ********************************************************* RE: Account Number Ending In **** Case Number *********** Dear ******* *******, Credit One Bank received your communication dated August 3, 2021, forwarded from the Better Business Bureau of Southern Nevada. As disclosed, as long as there is a balance, you agree to pay at least the Minimum Payment Due on or before your due date every month or your account may be assessed a Late Fee. We begin to impose interest on a transaction or fee from the day we add it to the daily balance.We continue to impose interest until you pay the total amount you owe us.Your account may be assessed residual interest charges that were not included in the balance prior to the receipt of your payment. Due to multiple return payments, your account was closed by Credit One Bank on June 23, 2020.This type of closure also disables your online access. We turned off Paperless Documents & Statements for your account on June 25, 2020, and your billing statements have been forwarded to the address on the account via the U.S. Postal service. Your billing statement with a closure date of May 26, 2021, reflected a previous balance of $316.00, a Late Fee of $30.00, Interest Charges totaling $6.17 and a new balance of $352.17. A minimum payment of $90.00 was due June 22, 2021. Your billing statement with a closure date of June 26, 2021, reflected a previous balance of $352.17, a payment of $352.17, a Late Fee of $39.00, Interest Charges totaling $5.89 and a new balance of $44.89. A minimum payment of $30.00 was due July 22, 2021. Your billing statement that closed on July 26, 2021, did not reflect the Minimum Payment Due was received; therefore, your account was considered delinquent and our representatives attempted to contact you regarding your payment. As requested, your account was placed in a no-contact status.You will not receive any further communication regarding this account except as required by law. Adjustments totaling $75.67 have been processed to bring the balance to zero. As of the date of this letter, your account is closed with a zero balance. If you have any additional questions, please call Customer Service at ************, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number ********

• Initial Complaint

  08/03/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I fell behind a few months on payments for the 2 credit cards which I have with Credit One Bank, due to family/work issues impacted by Covid 19. All of the other companies I deal with were empathetic to my needs and are helping me, by stopping interest and fees. Credit One Bank states they have no payment plans and that I should wait until the cards "charge off" and deal with the company that contacts me to "make a deal" with them! I am appalled they are unwilling to help given my circumstances, they've closed both accounts and will not allow me to pay down what I owe them in smaller increments (as ALL the other companies I deal with are allowing me to do) until the balance is exhausted. I am trying to do the right thing here, but they are playing "hardball" and truly want me to fail! It's unheard of that they have no sort of payment plan and I know that the accounts will continue to accrue interest and fees and a "charge off" determination will be detrimental to me. Please help!

  Business response

  12/21/2021

  Business Response /* (1000, 13, 2021/08/10) */ August 10, 2021 ****** ***** ** ** ****** *** ******* ****** ** XXXXX RE: Account Number Ending In **** Case Number XXXXXXXXXXX Dear ****** *****, Credit One Bank received your communication dated August 3, 2021, forwarded from the Better Business Bureau of Southern Nevada. At this time, we do not offer payment or settlement arrangements. Payments must be received on or before the due date in order to avoid a Late Fee. Interest Charges will continue to accrue as long as there is an outstanding balance on the account. Paying at least the Minimum Payment Due by the Payment Due Date shown on your billing statement is the best way to prevent additional Late Payment Fees from accruing.We received your last payment of $77.00 on February 1, 2021. As of the date of this letter, the balance on your account is $1,921.31. Credit One Bank adheres to the Fair Credit Reporting Act when furnishing information to the consumer reporting agencies. Upon review of the account, we determined that the account is being reported accurately. We issued an adjustment of your Late Fee(s) on July 30, 2021.Your account is not eligible for additional Late Fee credits. If you have any additional questions, please call Customer Service at XXX-XXX-XXXX, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number XXXXXXXX August 10, 2021 ****** ***** ** ** ****** *** ******* ****** ** XXXXX RE: Account Number Ending In **** Case Number XXXXXXXXXXX Dear ****** *****, Credit One Bank received your communication dated August 3, 2021, forwarded from the Better Business Bureau of Southern Nevada. At this time, we do not offer payment or settlement arrangements. Payments must be received on or before the due date in order to avoid a Late Fee. Interest Charges will continue to accrue as long as there is an outstanding balance on the account. Paying at least the Minimum Payment Due by the Payment Due Date shown on your billing statement is the best way to prevent additional Late Payment Fees from accruing.We received your last payment of $93.00 on March 22, 2021. As of the date of this letter, the balance on your account is $1,058.99. Credit One Bank adheres to the Fair Credit Reporting Act when furnishing information to the consumer reporting agencies. Upon review of the account, we determined that the account is being reported accurately. We issued an adjustment of your Late Fee(s) on July 30, 2021.Your account is not eligible for additional Late Fee credits. If you have any additional questions, please call Customer Service at XXX-XXX-XXXX, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number XXXXXXXX

• Initial Complaint

  08/03/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I had a credit card account with credit one. The pandemic hit and I was unable to pay on my account. Without being offered any relief the account was closed. I then was offered an settlement which I accepted and has gone thru, and since I have had to contact credit one multiple time about fees and charges showing up on an account that has been closed and settled. The fees were reversed but they have been reporting that I'm missing payments which is adversely affecting my credit score

  Business response

  01/07/2022

  Business Response /* (1000, 8, 2021/08/10) */ RE: Account Number Ending In **** Case Number *********** Dear **** ******, Credit One Bank received your communication dated August 3, 2021, forwarded from the Better Business Bureau of Southern Nevada. An offer was made available requiring you to pay $160.29 by June 26, 2021, and the remaining balance would be waived.We received a payment of $160.29 which satisfied the offer. As of the date of this letter, your account is closed with a zero balance. We are required by the Fair Credit Reporting Act to report accurate information to the consumer reporting agencies. Our investigation into your request has determined that the above-referenced account is being reported accurately. If you have any additional questions, please call Customer Service at ************, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Office of the President August 9, 2021 **** ****** ********************************** P.O. Box *****, Las Vegas, NV ********** P ************ PR013/**********

• Initial Complaint

  08/02/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  A change was made on my ******* *** credit card that i did not make and i have called the merchant and credit one and im not getting anywhere with either of them. So. And im not wanting to be responsible for a transaction i didnt make what can i do about this? It was for ******* *****. #********** for amount of $56.95 on 7/28/21.

  Business response

  02/08/2022

  Business Response /* (1000, 11, 2021/08/13) */ Office of the President August 13, 2021 *************************************************************** RE: Account Number Ending In **** AND **** Case Number *********** Dear ****** ********, Credit One Bank received your communication dated August 2, 2021, forwarded from the Better Business Bureau of Southern Nevada. We attempted to contact you regarding your concerns; however, we have been unable to reach you. On August 11, 2021, a Lost/Stolen report was processed on your account ending in ****. This account was noted with possible fraudulent activity and a new account ending in **** was established. Provisional credits are issued pending the outcome of the investigation. The investigation was completed on August 13, 2021, and you were held not responsible for the transaction of $56.95 from ** ***********. We have submitted a permanent credit of $56.95 for the transaction. In addition, related interest charges will be credited. These adjustments will appear on an upcoming billing statement. If you have any additional questions, please call Customer Service at ************, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number ******** PR034/********** P.O. Box *****, Las Vegas, NV ********** P ************

• Initial Complaint

  07/28/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Credit One Credit Card reported to the Credit Bureau 3 times for being 4 days late this violates Federal Law

  Business response

  12/14/2021

  Business Response /* (1000, 8, 2021/08/02) */ RE: Account Number Ending In **** Case Number *********** Dear ******* ******, Credit One Bank received your communication dated July 28, 2021, forwarded from the Better Business Bureau of Southern Nevada. As a courtesy, we have requested the removal of the delinquency previously reported for July 2021 from your credit history. Please allow the consumer reporting agencies 60 days to update their records. If you need to provide evidence of the requested change prior to the consumer reporting agencies' ability to update their records, please provide a copy of this letter. We have made the request to the following consumer reporting agencies: ************************************************************************************* If you have any additional questions, please call Customer Service at ************, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number ******** Office of the President August 2, 2021 ******* ****** **************************************** P.O. Box *****, Las Vegas, NV ********** P ************ PR010/**********

• Initial Complaint

  07/28/2021

  Complaint Type:

  Delivery Issues

  Status:

  Answered

  More info

  FRAUDULENT ACCOUNT OPENED IN MY NAME BY CREDIT ONE BANK. I CALLED THEM AND THEIR INVESTIGATION HAS NOT BEEN COMPLETED AND IT HAS BEEN PAST 30 DAYS WHEN THEY SAID IT WOULD TAKE UP TO 7. THEY HAVE NOT BEEN TRYING TO RESOLVE THIS ISSUE AND SOON MY CREDIT REPORT WILL BE DAMAGED BY AN ACCOUNT THAT I NEVER OPENED!!

  Business response

  01/19/2022

  Business Response /* (1000, 15, 2021/08/17) */ August 6, 2021 ************************************************************** RE: Account Number Ending In **** Case Number *********** Dear ******* ******, Credit One Bank received your communication dated July 28, 2021, forwarded from the Better Business Bureau of Southern Nevada. In response to your communication stating you never applied for the above-referenced account, we completed an investigation and we found that you are not responsible for any balance incurred on this account. We requested the removal of the Credit One Bank tradeline and inquiry from your credit history. If you need to provide evidence of the requested change prior to the agencies' ability to update their records, please provide a copy of this letter. We have made the request to the following consumer reporting agencies: Experian: ************ TransUnion: ************ Equifax: ************ or ************ If you have any additional questions, please call our office at ************, Monday through Friday between 6:30 a.m. and 3:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number ********

• Initial Complaint

  07/27/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Dear Sir: My name is Mr. ******* ****** and have 2 credit cards : The first card ending in **** i received in December of 2019 and never paid late except once in February 2021 due to your website being down and of course attempted to call your non-existent customer service for help. Not only is your customer service very poor. I believe credit card company preys on people with poor credit. With annual fees of $95.00 and $10.00 monthly maintenance fees and 29% interest. I have request several credit line increases and all have been denied. I have other cards and always pay on time. At one time my credit score was in the mid 700's until 2017 when i had to have a quadruple heart by pass and was temporarily disabled and couldn't work for 6 months. I am a class room teacher who makes $59,600 annually and i do Spanish tutoring on the side with an additional $5000 annually/ **** business with another $2500 annually. In addition your company sent me an additionally card without my consent.

  Business response

  12/14/2021

  Business Response /* (1000, 11, 2021/08/03) */ July 30, 2021 ***************************************************************** RE: Account Number Ending In **** Case Number *********** RE: Account Number Ending In **** Case Number *********** BBB Case Number ******** Dear ******* ******, We received your communication dated July 27,2021, as well as your communication dated July 27, 2021, forwarded from Better Business Bureau from Southern Nevada, Inc. On September 26, 2019, an offer was made available to you via the mobile app for an additional Visa account. That offer was accepted and account ending in **** was established. The account opened on October 2, 2019, and a credit card was mailed to the above-referenced address. As disclosed in the Card Agreement, the Annual Fee on your account is $39.00 and will be billed to your account annually. As disclosed, your Annual Percentage Rate for Purchases and Balance Transfers is a variable 23.990% and for Cash Advances is a variable 23.990%. Your request for a credit limit increase was received on June 29, 2021. The request was processed and a letter indicating the reason for the decline was sent on June 29, 2021. Our accounts are regularly reviewed for credit limit increase eligibility. Approval for a credit limit increase may include a review of income; account status; having no other credit limit increases in the past 60 days; and information from your consumer report. A request for a credit limit increase will not cause an inquiry on your consumer report and you can request an increase at any time. We submitted your request for a credit limit increase and you will receive communication under separate cover regarding the outcome. If you have any additional questions, please call Customer Service at ************, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A

• Initial Complaint

  07/24/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  The purchase was made on 4/28/2021 I called and advise the transaction was scam explaining the details of what had taken place. It was told that the charge would be removed and taken care of on 7/23/2021 I receive a call stating the information was sent to incorrect department. The representative also advised that no action was needed the information would be sent to the dispute department for resolution. I called customer service due to frustration of the matter to confirm information was sent to the dispute department. It was not and was informed to send a Lester for dispute but the transaction would stay on my account and I would need to responsible for until the investigation was completed. I advised that is incorrect I notified you of the details regarding the transaction and now being passed from agent to agent. It should be removed until the matter is resolved based on federal law.

  Business response

  05/02/2022

  Business Response /* (1000, 11, 2021/08/10) */ August 10, 2021 ****** ***** **** ********* *** ******* ** XXXXX RE: Account Number Ending In **** Case Number XXXXXXXXXXX Dear ****** *****, Credit One Bank received your communication dated July 24, 2021, forwarded from the Better Business Bureau of Southern Nevada. According to the Lost/Stolen report taken on April 28, 2021, you stated that your card was compromised. In response, we initiated an investigation and determined that the charge made on April 22, 2021, from **** ******* ***** for $575.00 was authorized and not fraudulent based on the following:You participated with the merchant. On July 26, 2021, a billing dispute was initiated and a letter was sent to you requesting additional information regarding your interaction with **** ******* *****. Because the information was not received by the requested date, the dispute has been resolved not in your favor based on the following: Unable to substantiate the claim with the current information, no new documentation or information received by the requested date. To request a refund, please contact the merchant directly. If you have any additional questions, please call Customer Service at XXX-XXX-XXXX, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number XXXXXXXX Consumer Response /* (3000, 14, 2021/08/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) I spoke with an agent on 7/24/2021 and asked could I email my dispute and was address there is only an address to Mail dispute. All information that was require I wrote on a letter and mailed dispute as provided below. 4/28/2021 $575.00 Attn investigation PO BOX XXXXX Las Vegas, NV XXXXX Reason for dispute I was very detailed in the letter of my concerns and encounter with the merchant. The letter was mailed on 7/25/2021. I had not heard any update ********* the letter being received and once again called customer service and spoke with representative Abby who informs s a dispute letter was revived on 5/17/2021 raging my account. Abby transferred me to ******* corporate office and I informed of the situation and that I was being informed a Lester was not received after the initial despot letter on 5/17/2021. I explained I spoke to representative initially on 7/24/2021 that stated letter was ever received on my behalf and provide information to send letter and request an email for my records and was informed there is no email. Ms. ******* advised this information is not accurate and provide me with the email address ************@creditone.com and informs the put in the subject line: attn: dispute department. I have not had an issue with disputing a charge or providing detail information nor has anyone from the organization made it their responsibility to following in concern of this issue on my behalf. There is no certain time frame for the issue to be responded to because I am being given all inaccurate information throughout this process which has hidden me from being protected from this malicious predator (merchant). I have the email that I sent with very detailed information as to why I am unable to contact the merchant and expectation of a resolution from the company. I also left a voicemail for Kira on 8/14/2021 seeing she is the one closing the case that I would like reopened and full investigator on my behalf the consumer. This merchant has ripped me off on another credit card and they found it to be a scam. If you are finding something different I want proof just as you would want from me. I can also sent a receipt of the email sent as soon as I was provided the email to send a dispute to. Business Response /* (4000, 16, 2021/08/24) */ August 24, 2021 ****** ***** **** ********* *** ******* ** XXXXX RE: Account Number Ending In **** Case Number XXXXXXXXXXX Dear ****** *****, Credit One Bank received your communication dated August 14, 2021, forwarded from the Better Business Bureau of Southern Nevada. On August 17, 2021, we received documentation regarding your dispute with **** ******* ***** for $575.00.We are investigating your dispute and will advise you of the outcome of the investigation in writing within two complete billing cycles, but in no event later than 90 days. During the investigation, the disputed amount will be suspended from the account balance that is subject to finance charges and will not be included in the minimum payment due. If your account balance is greater than the disputed amount, please continue to make at least the minimum payment by the due date reflected on your statement. If you have any additional questions, please call Customer Service at XXX-XXX-XXXX, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number XXXXXXXX Consumer Response /* (4200, 23, 2021/09/07) */ I was informed there would be a credit of the $575.00 transaction to my account while the investigation was being completed, as the account only credit me back the interest and not the amount of the disputed amount. Business Response /* (4000, 25, 2021/09/14) */ September 13, 2021 ****** ***** **** ********* *** ******* ** XXXXX RE: Account Number Ending In **** Case Number XXXXXXXXXXX Dear ****** *****, Credit One Bank received your communication dated September 7, 2021, forwarded from the Better Business Bureau of Southern Nevada. **** dispute with **** ******* ***** for $575.00 has been resolved not in your favor. The merchant provided a signed receipt showing you were present when the services were received. Further details regarding the outcome have been sent to you for your review. As a courtesy, we have processed the following fee adjustment(s) on your account, which will appear on an upcoming billing statement: Interest Charge $28.68 Interest Charge $31.15 Total $59.83 As of the date of this letter, your account balance is $1,719.63. If you have any additional questions, please call Customer Service at XXX-XXX-XXXX, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number XXXXXXXX Consumer Response /* (4200, 31, 2021/10/11) */ 9/7 spoke with Ellis ID XXXXX who informed there will not be a credit until after investigation. I explained that is inaccurate bc the manger I spoke with advised there would be a credit until investigation has been complete. I requested a manger she than transferred me to manager Jason employee ID XXXXX. Asked why I being told that the gm refit now will not be applied. Jason stated, the amount of $575.00 dollars would be credit back in the next 5 business days. I asked why is continue to go past 5 business days and no credit. He informed he shocked that it has not been applied and would submit a request for credit to be applied. He informed that he would get the representative name leaving me on hold with no name for transferred me to him. He finally came back to the line provide the agent name and ID as Ellis ID XXXXX. Linda XXXXXXXXXX ext XXXXXXX 9/23 Sebastian supervisor in fraud department XXXXXXXXXX 9/30 selah ****** called stated that I would receive credit for the $575 disputed charge. I asked when she stated they are working on complete the credit. There has yet to be a credit to appear on my account. Business Response /* (4000, 33, 2021/10/22) */ RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear ****** *****, Thank you for bringing your concerns to our attention. We will make every effort to serve your needs in a manner more consistent with your expectations and our high standards. Credit One Bank received your communication dated October 15, 2021, forwarded from the Better Business Bureau of Southern Nevada. Upon further review of your account, we identified a credit to your account on October 12, 2021, in the amount of $575.00. A letter was sent to you on October 12, 2021, advising you of the permanent nature of the credit. A copy of that letter is enclosed for your review. If you have any additional questions, please call Customer Service at XXX-XXX-XXXX, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number XXXXXXXX Office of the President October 22, 2021 ****** ***** **** ********* *** ******* ** XXXXX P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX PR018/AXXXXXXXXX Consumer Response /* (2000, 36, 2021/10/26) */ (The consumer indicated he/she ACCEPTED the response from the business.) This matter was resolved and credit was applied to my account. Thank you!

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