ComplaintsforCredit One Bank

• Initial Complaint

  04/19/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I have an account with Credit One Bank. I can not access the account. I have tried for months to get my password reset. I keep getting different excuses why it can't be done. Today I called and IT told me I had to give them permission to remotely access my computer. I denied. I do not receive statements in the mail i do not know what is on my account. I was told today someone would call back in 72 hours to reset my password. I just want access to my account but keep being denied. I just want to access my account.

  Business response

  08/20/2022

  Business Response /* (1000, 11, 2022/04/29) */ April 29, 2022 ***************************************************** RE: Account Number Ending in **** Case Number *********** Dear ***** ********, Credit One Bank received your communication dated April 19, 2022, forwarded from the Better Business Bureau of Southern Nevada. Per our phone conversation on April 28, 2022, per your request, we turned off Paperless Documents & Statements for your account and you will now receive your billing statements in the mail. For your review, copies of your billing statements with closure dates of December 2021, through April 2022, were sent under separate cover on April 19, 2022. Credit One Bank uses a secure app called Rescue by Log Me In to connect to your computer or phone screen. Using this app can better assist you by seeing and experiencing the issue with you. You have the option of disconnecting from Log Me In at any point during the session. Here are some things you should try if you are still having trouble accessing your account online: clear cache/browsing history; reset username and password (fields are case-sensitive); and enter information manually (do not use the browser's "auto-populate feature). To ensure optimal performance while visiting our website, we recommend using the most current version of one of these browsers: *********************************. Certain website functions may be unavailable during times when improvement upgrades are being made. For website assistance, please call 800-797-4299, Monday through Friday, 5:00 a.m. to 9:00 p.m., and Saturday, 6:30 a.m. to 5:00 p.m. (Pacific Time). A list of browsers and operating systems that may be utilized when visiting our website can be found at CreditOneBank.com/supported-browsers. Payments may be mailed to Credit One Bank, P.O. Box *****, City of Industry, CA *****. You can also make a payment online at CreditOneBank.com, by calling the number on the back of your card, or with the Credit One Bank mobile app. A fee may apply for payments made with representative assistance and any fee will be disclosed at time of payment. To avoid a late fee, please allow enough time for the payment to be received by the Payment Due Date. Your concerns have been forwarded to the appropriate department for review. We greatly appreciate you sharing your experience. 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 ******** NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box *****, Houston, TX *****. P.O. Box *****, Las Vegas, NV ********** P ************ PR018/********** Consumer Response /* (3000, 15, 2022/05/04) */ May 3, 2022, 11:14 to Better I spoke with Philip from CreditOne who asked me for some information. Again he requested access to my computer which I refused. He then asked how I had tried to access the website and I told him of all the many ways I had tried. He said that he would speak with a supervisor and get back to me with an alternate way to reset the password. Again I will not give them access to my computer. There has to be another way to reset a password other than giving access to a stranger. As of yet I have not received any statements which I am told were mailed to me weeks ago. I have never ever had a credit card, bank, doctor or anyone ask to access my computer just to change a password. The issue began with something that creditOne did. I have my password stored, written down and facial recognition. I have not changed my password or my face, therefore I should not be locked out of my account for months. Thank you Business Response /* (4000, 17, 2022/05/06) */ Office of the President May 6, 2022 ***************************************************** RE: Account Number Ending in **** Case Number *********** Dear ***** ********, Credit One Bank received your communication dated May 4, 2022, forwarded from the Better Business Bureau of Southern Nevada. Per our phone conversation on May 6, 2022, you confirmed you were able to access your online account. Your billing statements generate on the 3rd of each month. Our records do not reflect any of your statements have been returned from the U.S. Postal Service as undeliverable. We have enclosed copies of your billing statements with closure dates of March 3, 2022, through May 3, 2022. As a courtesy, we have issued credit(s) for Interest Charge(s) in the amount of $35.74. As of the date of this letter, your account is current with a balance of $838.87. 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. To sign up for Paperless Documents & Statements, sign in to your account at CreditOneBank.com and navigate to the 'Documents & Statements' page. NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box *****, Houston, TX *****. PR018/********** P.O. Box *****, Las Vegas, NV ********** P ************ Payments may be mailed to Credit One Bank, P.O. Box *****, City of Industry, CA *****. You can also make a payment online at CreditOneBank.com, by calling the number on the back of your card, or with the Credit One Bank mobile app. A fee may apply for payments made with representative assistance and any fee will be disclosed at time of payment. To avoid a late fee, please allow enough time for the payment to be received by the Payment Due Date. 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 ******** NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box *****, Houston, TX *****. PR018/********** P.O. Box *****, Las Vegas, NV ********** P ************ ***Please see attached copy of rebuttal response received by mail*** Consumer Response /* (2000, 19, 2022/05/06) */ This issue has been resolved with Phillip from ********** Bank. Thank you for your help. Please close the case. Consumer Response /* (4200, 23, 2022/05/16) */ Please tell me how to reopen my case against CreditOne Bank. When the supervisor called me he was able to give me a temp password so I could sign in. I signed in using his password, changed it to my own and signed in with him on the phone. Now the same thing is happening. I don't know if they are changing the passwords or why this is happening. Again I am getting the "We don't recognize your name" so I cannot try to reset the password. What I am getting is a new screen that I never saw before to pay without logging in. I am not paying anything if I cannot see my account. I believe this is a scam credit agency. I need help so that I can get into this account to pay it off. Never will I give anyone permission to access my computer, and I will not pay without logging in. How do I know what I am paying for? Thank you. Please tell me how to restart this entire process so I can get rid of this account. Business Response /* (4000, 25, 2022/05/23) */ Office of the President May 23, 2022 ***************************************************** RE: Account Number Ending in **** Case Number *********** Dear ***** ********, Credit One Bank received your communication dated May 16, 2022, 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. In order to assist you with your website concerns, please call our office at ************, Monday through Friday between 6:30 a.m. and 3:00 p.m. (Pacific Time). As of the date of this letter, your account is current with a balance of $838.87. 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 received your communication and are unsure whether you requested an account closure. If you would like to close your account, please send your request in writing or call the phone number listed below. Payments may be mailed to Credit One Bank, P.O. Box *****, City of Industry, CA *****. You can also make a payment online at CreditOneBank.com, by calling the number on the back of your card, or with the Credit One Bank mobile app. A fee may apply for payments made with representative assistance and any fee will be disclosed at time of NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box *****, Houston, TX *****. PR018/********** P.O. Box *****, Las Vegas, NV ********** P ************ payment. To avoid a late fee, please allow enough time for the payment to be received by the Payment Due Date. 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 ******** NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box *****, Houston, TX *****. PR018/********** P.O. Box *****, Las Vegas, NV ********** P ************

• Initial Complaint

  04/18/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  Credit one has been calling my phone numerous times a day for the last 3 days. As you can see from the screenshots they will start with a different number everyday but I block it but you can see how many times they have called. My account is up to date , no missed payments so there's no reason for them to be doing this. If this keeps up I will close my account with them. Last month they did the same thing only it went on for 7 days straight until I made a payment ON the date it was due so again account was up to date no reason again to be calling 7-8 times a day for a week straight with a different number everyday which again I blocked. I have those call logs as well if needed. The numbers also aren't automated, last month one of the days was an accidentally voice-mail left, I could hear other representatives talking on the phone with customers and the representative that was calling me was typing. This needs to stop no reason for a company to be doing this when my account is up to date.

  Business response

  08/09/2022

  Business Response /* (1000, 11, 2022/04/26) */ RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear ****** ********, Credit One Bank received your communication dated April 18, 2022, forwarded from the Better Business Bureau of Southern Nevada. As requested, your account has been placed in a no-contact status. You will not receive any further communication regarding this account except as required by law. Our courtesy Pre-Call Service may contact card members by phone approximately 2 to 5 days prior to their payment due date. Per your request, your account has been removed from the Pre-Call Service. 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 April 26, 2022 ****** ******** 2 ***** ** ***** **********, ** XXXXX NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box XXXXX, Houston, TX XXXXX. P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX Consumer Response /* (2000, 13, 2022/05/01) */ (The consumer indicated he/she ACCEPTED the response from the business.) A courtesy call is one thing but calling members every day almost every hour 5-8 times a day is absolutely not a courtesy call! I'm happy Credit one has taken me off the list.

• Initial Complaint

  04/18/2022

  Complaint Type:

  Delivery Issues

  Status:

  Answered

  More info

  Credit one bank has not investigated my reports of fraudulent charges on my credit card that I never applied for. My credit score has dramatically dropped over 100 points due to a account not opened by me. I have called, text and emailed.

  Business response

  08/20/2022

  Business Response /* (1000, 11, 2022/05/02) */ RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear ********* *****, Credit One Bank received your communication dated April 18, 2022, forwarded from the Better Business Bureau of Southern Nevada. Thank you for contacting Credit One Bank. We received your notification stating that you never applied for the above-referenced account. In response, we initiated an investigation and determined the account to be authorized and not fraudulent based on the following: A credit card and billing statements were sent to **** ********* ***** ********, ** XXXXX, which has been verified as belonging to you. The account was activated on July 15, 2021, from phone number XXX-XXX-XXXX.This number is registered to ********* *****. We previously communicated with you regarding the claim that this account does not belong to you. A copy of the letter dated November 28, 2021, is enclosed for your review. Due to non-payment for more than 180 days, the account charged off on February 22, 2022, with a balance of $807.41.The ownership of the account was transferred to the party referenced below. Since Credit One Bank no longer has a financial interest in this account, please contact the party listed below. ******* Credit *********** *** P.O. Box XXXXXX Los Angeles, CA XXXXX XXX-XXX-XXXX As a courtesy, we requested the removal of the Credit One Bank tradeline from your credit history. Please allow the consumer reporting agencies 60 days to update their records. Any reporting of this account by any other party will need to be addressed by you directly P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX PR009/AXXXXXXXXX Office of the President April 29, 2022 ********* ***** **** ********* **** ********, ** XXXXX with the other party. 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 provided the above-referenced information to the following consumer reporting agencies: ******** XXX-XXX-XXXX or XXX-XXX-XXXX ********* XXX-XXX-XXXX *********** XXX-XXX-XXXX 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 P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX PR009/AXXXXXXXXX Consumer Response /* (3000, 13, 2022/05/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) My ex has opened many accounts in my name without my knowledge and that is why I was in contact with your company about the amount of times you have checked my credit. The number XXXXXXXXXX is not registered to myself but it was actually originally registered to ******* ******* I was unsure if I spoke to Credit One bc I have had to contact so many companies for my identity theft. Business Response /* (4000, 15, 2022/05/13) */ RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear ********* *****, Credit One Bank received your communication dated *** 5, 2022, forwarded from the Better Business Bureau of Southern Nevada. Upon review, we discovered that we already processed this request in response to a previous communication. Please see the enclosed letter dated April 29, 2022, that was sent in response. If you did not apply for this account, send us a copy of an Identity Theft Report or Police Report naming everyone who had access to **** ********* ***** ********, ** XXXXX and phone number XXX-XXX-XXXX. Please send the documents to the following address: Credit One Bank, N.A Attn: Fraud Investigations P.O. Box XXXXX Las Vegas, NV XXXXX-XXXX Office of the President May 13, 2022 ********* ***** **** ********* **** ********, ** XXXXX NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box XXXXX, Houston, TX XXXXX. P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX PR018/AXXXXXXXXX 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 NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box XXXXX, Houston, TX XXXXX. P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX PR018/AXXXXXXXXX Letter with attachments sent under separate cover Consumer Response /* (4200, 17, 2022/05/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) My ex ******* ****** lives at **** ******** *** where I used for mailing but no longer live at the residence. I also do not own the number XXXXXXXXXX that was opened by ******* ****** at **** on November of 2021 in his name at well as the number XXXXXXXXXX. I do not give anyone permission to use my info or cards in my name. We have been split up since *** 2021 for abusive behavior Business Response /* (4000, 19, 2022/06/01) */ RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear ********* *****, Credit One Bank received your communication dated May 20, 2022, forwarded from the Better Business Bureau of Southern Nevada. We addressed the concerns presented by you in a previous communication, and we will not respond to any additional communication regarding these concerns. 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 May 31, 2022 ********* ***** **** ********* **** ********, ** XXXXX NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box XXXXX, Houston, TX XXXXX. P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX PR018/AXXXXXXXXX

• Initial Complaint

  04/16/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On March 19, 2022, I made my final payment. I had noticed earlier in the month that there was an unauthorized transaction on my account. When I reviewed by past statements, I have realized this has been occurring since the opening of my account, a year prior. I filed a unauthorized charge claim, in which was founded and I was refunded $254. This amount was placed on my closed account and card. I had called and cancelled the card due to lack of security. It's now April 16, 2022 and I have yet to receive my refund. I have called weekly asking why it not been refunded to me as the account is closed and I asked for it to be sent via mail. I called again today to be told to call Monday to speak to headquarters and a manger to get refund. Apparently it had been "pending" since March 26. 2022. The company is not friendly, not helpful, and allows fraudulent charges to take place. Any help is appreciated. I hope this doesn't happen to anyone else!

  Business response

  08/20/2022

  Business Response /* (1000, 11, 2022/05/02) */ Office of the President May 2, 2022 *********** (****) *************************************** RE: Account Number Ending in **** Case Number *********** RE: Account Number Ending in **** Case Number *********** Dear *********** (****), Credit One Bank received your communication dated April 16, 2022, 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. We received your notification that your credit card was lost or stolen. In response, we processed a Lost/Stolen report on May 20, 2022, and issued you a new card ending in ****. Your account information was transferred from your previous account ending in **** to your new account ending in ****. MSFT * ********** ******.INFO WA D is a recurring transaction. They have been billing your account monthly since April 1, 2021. Through our recovery process, we were able to obtain a partial refund from the merchant in the amount of $106.00.We previously issued you a temporary credit for the full amount as we conducted our investigation. The amount will be reapplied to your balance minus the partial credit listed above. You will see the amount reflected on an upcoming billing statement. To further pursue this matter, you may contact the merchant directly. Credit One Bank has closed this claim and we have no further information to provide. Should you need additional assistance not pertaining to this claim, you may contact us at the number listed below. Your account was closed on March 30, 2022. Per your request, your account was reinstated using our Mobile App on April 22, 2022. We noticed that your name on the communication we received is different from the current information on your account. If you would like your account information updated, please contact Customer Service at the phone number listed below. 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 ******** NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box *****, Houston, TX *****. P.O. Box *****, Las Vegas, NV ********** P ************ Consumer Response /* (3000, 13, 2022/05/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) When I reopened my account, they charged me 7 more charges. They said those one were unfounded, yet all 12 were the same exact charges. They did refund me 114$ however, I am still owed 148.40$. How was is that 5 of the 12 charges were founded and it was all the same fraudulent charge? When I asked them about this, I was advised I needed to file a police report. They steal from Customers, allow fraudulent charges and DO NOT communicate via mailings about any findings until they are pressured to do so. Terrible business. Business Response /* (4000, 15, 2022/05/26) */ Office of the President May 26, 2022 *********** (****) *************************************** RE: Account Number Ending in **** Case Number **********1 Dear *********** (****), Credit One Bank received your communication dated May 15, 2022, forwarded from the Better Business Bureau of Southern Nevada. After further investigation, on April 29, 2022, we have determined that the transaction(s) were authorized and no fraudulent based on the following: MSFT****** is a recurring transaction. They have been billing your account periodically since April 1, 2021. For cancellation or credit, you are encouraged to contact the merchant directly. We received payments in response to billing statements that were sent to you. We did not receive prior notification from you that the transaction(s) were fraudulent. Through our recovery process, we were able to obtain a partial refund from the merchant in the amount of $106.00. We previously issued you temporary credit for the full amount as we conducted our investigation. To further pursue this matter, you may contact the merchant directly. Credit One Bank has closed this claim and we have no further information to provide. Should you need additional assistance not pertaining to this claim, you may contact us at the number listed below. Enclosed is a copy of the letter sent on April 29, 2022, in regards to the outcome of the investigation. We noticed that your name on the communication we received is different from the current information on your account. If you would like your account information updated, please contact Customer Service at the phone number listed below. 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 ******** NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box *****, Houston, TX *****. P.O. Box *****, Las Vegas, NV ********** P ************

• Initial Complaint

  04/12/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  I have had my Credit One VISA since September 2021. I made on-time payments each month and have had no issue, until today. On April 12, 2022, I received an email from Credit One which advised me to log into my account to review a new document. When I attempted to log-in on my Credit One app, the attached message appeared, advising me that my account has been temporarily suspended and to please call Customer Service at X-XXX-XXX-XXXX. I called that Customer Service number to determine what is happening with my account and upon entering the last 4 digits of my SSN, the message I received indicated that my account was no longer serviced by Credit One Bank and was given another toll-free number to call. Upon calling that toll-free number, I learned that it was for a debt collection agency for a Barclays Bank credit card that had been charged-off since 2017!! When I tried to gain information about my Credit One account, the man I spoke with told me he had no information about that account and persisted with questions relating to the charged-off Barclays account and how I wish to pay the balance. In all my life, I have never experienced anything like this with a credit card company and I do not understand how they can legally do such a thing.

  Business response

  08/09/2022

  Business Response /* (1000, 11, 2022/04/26) */ RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear **** ********, Credit One Bank received your communication dated April 12, 2022, forwarded from the Better Business Bureau of Southern Nevada. Per our phone conversation on April 26, 2022, we verified that our records do not reflect a charge-off account with Credit One Bank from 2017. Please note that Credit One Bank is a separate and distinct entity from, and is not affiliated with, ******** ***** We have verified that no delinquency was reported to the consumer reporting agencies pertaining to this matter. 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. On March 30, 2022, we received a payment of $291.37. As of the date of this letter, the balance on your account is $256.71 and the available credit is $193.00. Office of the President April 26, 2022 **** ******** PO Box **** ******* ** XXXXX NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box XXXXX, Houston, TX XXXXX. P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX PR018/AXXXXXXXXX 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 NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box XXXXX, Houston, TX XXXXX. P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX Consumer Response /* (2000, 13, 2022/04/28) */ (The consumer indicated he/she ACCEPTED the response from the business.) I appreciate that a representative from Credit One called me to discuss this situation. During our conversation, I advised that I was satisfied with their communication with me. However, upon further reflection, I have decided to pay-off and close my account today.

• Initial Complaint

  04/12/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I used to have an account with credit one and had some issues in the past with returned payments. I have paid this account and it has a zero balance. However, it was closed and when I try and prequalify, it gives the following reason: Previous Account with Credit One Bank closed due to Suspicious Activity. I do not understand this. This is not an appropriate flag, and I wish it to be removed and given the opportunity to prequalify for an account again. Thank you, **********

  Business response

  08/09/2022

  Business Response /* (1000, 11, 2022/04/28) */ Office of the President April 28, 2022 **** ***** **** ***** **** *** ***** **** ** XXXXX RE: Account Number Ending in **** and Reservation Number ************ Case Number XXXXXXXXXXX Dear **** *****, Credit One Bank received your communication dated April 12, 2022, forwarded from the Better Business Bureau of Southern Nevada. Your account ending in **** was closed by Credit One Bank due to the multiple returned payments and it has been reported to the consumer reporting agencies as "Account Closed at Credit Grantor's Request." We received an application from you on April 26, 2022, which was declined during our review process. Please refer to the decline letter sent to you on April 26, 2022, for additional information. 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 NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box XXXXX, Houston, TX XXXXX. PR018/AXXXXXXXXX P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX Consumer Response /* (3000, 13, 2022/05/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) Hello, I understand the reason for the closure. The situation involving my previous credit line does not involve actual fraud from the returned payments, just issues with my banking at the time. Which have now been long resolved. I am asking if you can, as a courtesy, remove the flag so that I can apply for credit in the future. Thank you, **** ***** Business Response /* (4000, 15, 2022/05/10) */ Office of the President May 10, 2022 **** ***** **** ***** **** *** ***** **** ** XXXXX RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear **** *****, Credit One Bank received your communication dated May 2, 2022, forwarded from the Better Business Bureau of Southern Nevada. Per our phone conversation on May 10, 2022, we reinstated your account and have issued a new credit card. Your new card should arrive within 14 days. If you have not received your card after this time, please contact us at the number listed below. As of the date of this letter, your account is open with a zero balance. As a courtesy, we have requested an adjustment to your Credit One Bank account reporting status with each of the consumer reporting agencies. 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 agencies' ability to update their records, please provide a copy of this letter. We have provided the above-referenced information to the following consumer reporting agencies: Equifax: XXX-XXX-XXXX or XXX-XXX-XXXX Experian: XXX-XXX-XXXX TransUnion: XXX-XXX-XXXX NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box XXXXX, Houston, TX XXXXX. PR018/AXXXXXXXXX P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX If you have any additional questions, please call our office at XXX-XXX-XXXX, Monday through Friday between 6:30 a.m. and 3:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. BBB Case Number XXXXXXXX NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box XXXXX, Houston, TX XXXXX. PR018/AXXXXXXXXX P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX Consumer Response /* (2000, 17, 2022/05/12) */ (The consumer indicated he/she ACCEPTED the response from the business.) They reinstated my card and offered to remove the flag from future applications. Thank you.

• Initial Complaint

  04/12/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  FRAUD>On January 3, 2022 Credit One charged a cash advance against my credit card in the amount of $200.00 and a fee of $16.00 and has subsequently charged interest charges against this cash advance. As soon as I saw the charge I called Credit One and let them know of the fraud which they told me they would investigate and get back to me. I have called multiple times over the last months and continually been told the same story that they are investigating and will get back to me. Today I called again and was told that their investigation was against me because the check was mailed to my address and was cashed so it "must have been me". I have now spoken to 6 levels of management who all tell me the same story of "they mailed it to my address so I am responsible and if I still dispute it will need to file a police report and submit it to Credit One".....this response is unacceptable as I should not be held accountable for something that was put in the mail to my address without any request by me. I have requested on multiple occasions to provide me proof of this check being signed and where it was either deposited or cashed to no avail. Considering Credit One has not yet provided any proof that the check even existed and the consistent response from every level of management stating" it was mailed to my address and therefore is my responsibility" tells me that this is likely an internal fraud scheme being done by Credit One in hopes that the card holder will simply give up and pay the charge. I will be contacting my lawyer in the morning to discuss taking legal action against credit one and as well the news media to do a story in order to draw out anyone else who has or is going through this same situation. I am sure that I will find many people in my situation that simply don't have the time or the patience to deal with it.

  Business response

  08/09/2022

  Business Response /* (1000, 11, 2022/04/25) */ Office of the President April 25, 2022 ****** **** XXXXX ** **** *** ****** ** XXXXX RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear ****** ****, Credit One Bank received your communication dated April 12, 2022, forwarded from the Better Business Bureau of Southern Nevada. On January 9, 2022, we received notification that you did not cash a convenience check for $200.00. We determined that the transaction(s) were authorized and not fraudulent based on the following: The cash advance of $200.00 that posted to the account on January 3, 2022, is not fraudulent. This was a convenience check that was mailed in your name to the above-referenced address. The check was cashed or deposited into your bank account and has a valid endorsement present.We have enclosed a copy of the check for your reference. In order to assist you further, we are requesting a copy of the police report filed with your local law enforcement. Please send the documents to the address listed below within 45 days of the date of this correspondence. If we do not receive the documents within the specified timeframe, the investigation may be closed and you *** be held accountable for the account transactions. NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box XXXXX, Houston, TX XXXXX. PR018/AXXXXXXXXX P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX To upload the document(s) online, sign in to your Credit One Bank account and visit the 'Customer Service' page, then click on 'Forms & File Uploads' and select 'Supporting documentation for Submitted Claim.' You may also send the document(s) to the address listed below. Please note your account number on any supporting documentation. Credit One Bank, N.A. Attn: Customer Service P.O. Box XXXXX Las Vegas, NV XXXXX-XXXX On April 19, 2022, we were notified of your intent to retain or your retention of legal representation. Please provide us with the name, phone number, and mailing address of your attorney and we will address your inquiries with them. If you are not represented by counsel any longer or believe that this notification was received in error, please notify us in writing at the address below. 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 NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box XXXXX, Houston, TX XXXXX. PR018/AXXXXXXXXX P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX Consumer Response /* (3000, 13, 2022/04/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am seeing the check for the first time and I confirm the signature on the back of this check for endorsement is NOT mine and it was certainly NOT deposited into my bank account. I cannot understand why Credit One would not be looking into this obvious case of fraud and instead try to force me to pay for their mistake. I will get the police report they have requested and will continue with my engagement with my lawyer to uncover credit one's act of fraud. Business Response /* (4000, 15, 2022/05/03) */ *** 2, 2022 ****** **** XXXXX ** **** *** ****** ** XXXXX RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear ****** ****, Credit One Bank received your communication dated April 26, 2022, forwarded from the Better Business Bureau of Southern Nevada. On January 9, 2022, we received notification that you did not cash a convenience check for $200.00. We determined that the transaction(s) were authorized and not fraudulent based on the following: The cash advance of $200.00 that posted to the account on January 3, 2022, is not fraudulent. This was a convenience check that was mailed in your name to the above-referenced address. The check was cashed or deposited into your bank account and has a valid endorsement present.We have enclosed a copy of the check for your reference. As of the date of this letter, we have not received the requested police report filed with your local enforcement in order to assist you further to reopen the investigation of the case. To upload the document(s) online, sign in to your Credit One Bank account and visit the 'Customer Service' page, then click on 'Forms & File Uploads' and select 'Supporting documentation for Submitted Claim.' You may also send the document(s) to the address listed below. Please note your account number on any supporting documentation. P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX Credit One Bank, N.A. Attn: Customer Service P.O. Box XXXXX Las Vegas, NV XXXXX-XXXX On April 26, 2022, we were notified of your intent to retain or your retention of legal representation. Please provide us with the name, phone number, and mailing address of your attorney and we will address your inquiries with them. If you are not represented by counsel any longer or believe that this notification was received in error, please notify us in writing at the address below. 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

  04/11/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  re: Account number: ****-****-****-**** I've been trying to get an on going issue on my account resolved. I've contacted the customer service at the number on my card and spoke to supervisors to try to get the issue resolved. As of the date of this complaint, my last call to customer service was on 4/11/22. I spoke to a supervisor who I felt was rude and dismissive of my concerns and the issue I am facing. Supervisor saying its a technical gltich dont worry about it. The issue on my account: The company keeps sending me DELAYED payment confirmation notices. These notices come very delayed. Example: On 4/11/22 I received an email at the yahoo email listed on my account stating I had a new paperless document on my account. Upon checking my account there was a new payment confirmation noticed dated 4/10/22 which was just stating a payment was posted to my account 2/16/22. This is just the most recent example of these DELAYED payment confirmation notices, and there are MANY other examples. These delays in these notices are so random, and its very frustrating to suddenly receive an email stating there is a new document is available on my account, only to find out its just letting me know a payment which was made AWHILE ago has "posted" to the account. I understand glitches and issues happen, but I feel COB is NOT doing what it can to help research and resolves these issues for their customers. I do not feel anyone I spoke to, cared to take the time to fully understand the issue and was quick to brush me off.

  Business response

  08/09/2022

  Business Response /* (1000, 11, 2022/04/25) */ Office of the President April 25, 2022 ***** ******* XXXX XXth *** **** **** *** ****** ** XXXXX RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear ***** *******, Credit One Bank received your communication dated April 11, 2022, 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. Account notifications can be set up by signing in to your online account with CreditOneBank.com or the Credit One Bank mobile app. To manage your account notifications, go to the 'Settings' page of your account and navigate to 'Account Notifications.' 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 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 NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box XXXXX, Houston, TX XXXXX. P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX Consumer Response /* (2000, 13, 2022/04/27) */ (The consumer indicated he/she ACCEPTED the response from the business.) While I was unable to take the first call, I was able to get in touch with Francisco at the Office of the President. I spoke to him both on 4/26 & again 4/27 and he assured me he understood the issue that I was facing. He said that a work order for the issue has been created so the issue can be investigated and fixed, and that I will be contacted once the problem has been resolved. I was very pleased with how Francisco listened to my concerns and how he handled the situation. He left me feeling much better about the situation and while the issue itself has to be fixed still, I'm pleased with the outcome that it is now being investigated and on track to be resolved. Thank you!

• Initial Complaint

  04/11/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  This account was paid in full by the insurance purchased when the card was opened. I have had it taken off of my credit report previously, but CreditOne (now ****************) keeps putting it back on. I want this account removed or reflected to show a zero balance on my credit report with all reporting bureaus. The original CreditOne account # is****-****-****-****. Thank you!!

  Business response

  08/20/2022

  Business Response /* (1000, 11, 2022/05/02) */ RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear ***** *****, Credit One Bank received your communication dated April 11, 2022, forwarded from the Better Business Bureau of Southern Nevada. Upon receipt of your recent communication, we determined you submitted a request to initiate your Credit Protection benefits on April 16, 2020. Your first benefit payment was made in the amount of $60.00. If your account was past due, this payment would have brought your account current. Once the benefit period expired on September 21, 2020, the account was current, and you were responsible for making payments on your account again. Further details regarding your approved benefits were sent for your review. Due to non-payment for more than 180 days, your account was charged off on April 26, 2021, with a balance of $556.96. The ownership of the account was transferred to the agency below. Since Credit One Bank no longer has a financial interest in this account, please contact the agency listed below to reach a mutually acceptable resolution for all parties involved. **** ******** *** P.O. Box XXXXX *********** ** XXXXX XXX-XXX-XXXX All debt collection communications from Credit One Bank regarding this credit card account ceased when the account was sold to the above-referenced third-party agency. Any current collection efforts on this account are not on behalf of Credit One Bank. We have verified that the account is not being reported to the consumer reporting agencies on behalf of Credit One Bank. Any reporting of this account by any other party will need to be addressed by you directly with the other party. Office of the President May 2, 2022 ***** ***** XXXX XXth ** ** ******* ** XXXXX P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX PR012/AXXXXXXXXX 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 P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX

• Initial Complaint

  04/10/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I have been receiving so many calls from CreditOne bank and couldn't understand why. I was a couple days late last month but I made the payments and have made them on time! I always make the minimum amount due on their app which is $30 and I don't receive paper bills I'm enrolled in paperless billing. Come to find out my minimum payment has been 60 dollars for 6 months and the app NEVER showed that so I have been charged a LATE FEE FOR 6 MONTHS! No notice no nothing! So I've been charged 180 dollars extra for something that has not been my fault! I just wanna pay this card off and be done with them! They are the worst credit card company with horribly high fees. It's absolutely ridiculous.

  Customer response

  08/10/2022

  ***Consumers filed a second complaint w/attached docs:
  
  I had never gotten a response the last time I posted but either way Credit One has been charging me a 30 past due fee when I've been making my payment every single month! Apparently the minimum payment on the statement and the minimum payment on the app have been different so I've been making the minimum payment from the app which is $30 and at times it's been $60 and I've been charged a late fee! No notice of anything I've been charged this fee maybe 6 times now and my account is "over limit" it's absolutely ridiculous that I'm getting charged a fee when your statements say one thing and your app says another but you still take the $30 no problem. I want all the fees I've been charged taken off.
  
  ***Desired resolution:
  
  Billing adjustment
  
  See Attachment/File: ***** - More Info ********.pdf

  Customer response

  09/19/2022

  ***Please see attached copy of signed authorization form***
  See Attachment/File: ***** - Release form ********.pdf

  Customer response

  09/20/2022

  It's been way more than 6 months not and way more than $160 I've been charged and again now my account is over the limit! This is absolutely ridiculous!

  Customer response

  09/20/2022

  ***Document Attached***
  
  See Attachment/File: E203D1EF-EE11-4BFC-A91D-C4BAAAB02486

  Business response

  09/26/2022

  Please see the attached document for our response.

  Customer response

  10/04/2022

   
  Complaint: 18115108
  
  I am rejecting this response because youre telling me that the online overview isnt accurate? And yet you want me to enroll in paperless statements? How does that even make sense? I have always paid my bill on time and what I thought was current meanwhile getting charged all those fees
  
  Sincerely,
  
  *****************************

  Business response

  10/07/2022

  Office of the President
  October 7, 2022
  *****************************
  1625 ******
  Sn Bernrdno, ** 92411

   

  RE: Account Number Ending in 5787
  Case Number ***********
  Dear *****************************,
  Credit One Bank received your communication dated October 4, 2022, forwarded from
  the Better Business Bureau of Southern ******.
  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.
  Your payment due date is the 12th of each month, regardless of the day of the week on
  which this date falls. If you would like to change your due date, sign in to your account at
  CreditOneBank.com and navigate to the 'Settings' page.
  If the Minimum Payment Due reflected on your billing statement is not received by the
  payment due date, all feesincluding Annual Fees, Late Fees, and Interest Chargeswill
  continue to accrue.
  The Minimum Payment Due reflected when viewing your online account overview does
  not include cycle-to-date Late Fees that are included in the Minimum Payment Due reflected
  on your billing statements.
  Late fees were assessed on statements with closure dates of June 16, 2022, through
  September 16, 2022, because the Minimum Payments Due were not received by the due
  dates.
  If you have any additional questions, please call **************** 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, *********************************************************** P ************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩