ComplaintsforCredit One Bank

• Initial Complaint

  07/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  On 6/6, a gentleman named, ***********************, called me informing me of fraudulent transactions off of my Credit One credit card. He asked me if I had my credit card number with me and I told him no. He told me to call his private number. He kept in contact with me about the situation. Then he was giving me codes to help put fraud alert and to put the money back on my credit card. He told me that there were at least 3 or 4 fraud transactions, ranging from ******** TR, another from the *********** and some other foreign place. He told me that they hacked into my account using my SS number. However, when I was finally able to log on to my account, because it was not letting me log in for quite sometime, it was showing 4 transactions with Istanbul TR with various amount ranges, and 3 express payment fees all within a span of about a week. I contacted the Credit One Bank and also my regular bank about the situation. They filed a fraud investigation, and they told me that it will take 30 to 90 days to complete their investigation. I called Credit One up because of the amount due because they sent me another card, which I haven't activated it, along with a new account, when I told them not to, and the lady told me that I should contact the Hardship counseling to see if they can help me out. On 6/28 I called them up to close my account, and they told me that account was already closed. I knew my old account was closed, but not the new one. Today I receive a letter from Credit One stating that I am being held responsible for over $4,570 for the transactions that were made within a 3 week period. When I call, they keep transferring me to different people every time.

  Business response

  07/11/2024

  Please see attached response.

  Customer response

  07/12/2024

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

• Initial Complaint

  07/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under:15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.Credit One ACCOUNT # ****************

  Customer response

  07/02/2024

  I have attached a signed copy of the privacy release form.

  Business response

  07/10/2024

  The response correspondence is attached.

• Initial Complaint

  07/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have two credit cards through Credit One Bank. I was recently notified that due to an interest rate amount totaling $27.00 (between both cards), that my credit score was being lowered. I wasn't called (no phone message), I was not emailed, and I didn't receive a letter about this from Credit One Bank. I was notified after the fact. Please understand that I am a good customer and that I make my ********************** card payments on time, but this was the way this credit card company chose to act, which was aggressively. Allow me to reciprocate in turn. I realize that some customers might just cave to the fact, being victimized, however some will choose to fight back. Just like the importance of having a good credit score, it's equally important for a company to have a good business reputation. I independently advocate for Veterans within *******************. I am affiliated with the **** FRA, and the American Legion, having lifetime memberships with all. I review companies regularly, especially those that take advantage of others. As mentioned, Credit One Banks approach to this issue was aggressive. I feel that it was unnecessary. They may have the right to do so, but customers also have the right to complain about the way they are treated by local businesses and to share that information with others. From the standpoint of being retired special forces, retired law enforcement, and a staunch advocate for Veterans, maybe Credit One Bank should think prior to action, trying to solve matters easily instead of in ways it might cause their company complications. Just a thought. Either way, until I pay my credit cards off, Credit One Bank and I will have to deal with one another amicably somehow, then rest assured I will close my accounts, especially after this kind of treatment.

  Business response

  07/12/2024

  PLS SEE ATTACHED

  Customer response

  07/17/2024

   
  Complaint: 21920516
  
  I am rejecting this response because:
  
  Yes, I received the letters (thank you) but they work with Experian, Experian is part of their phone application, and because of this partnership, they are able to make changes to a customers ********************** score. I was actually notified about my credit score being lowered through their phone application. They ignored, sidestepped the fact that they never gave me an opportunity to be notified about their intentions. Not by text, not by email, and not by letter. So my credit score was lowered over a matter of $27.00 in interest between two credit cards. Its not mentioned within their two letters, fancy that so, no I am rejecting any mediation. Please tell them NO! I am not closing my account.
  
  Sincerely,
  
  *********************

  Business response

  07/29/2024

  Please see the attached response letters. 

• Initial Complaint

  06/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I was approved for an **************** credit card through Credit Karma from Credit One Bank. When I received my card in the mail, I also received a letter stating my account was frozen until I verified my income and identity. I followed every request and uploaded all the correct documentation. They are so incompetent they keep losing my documents and say to resubmit. Ive had enough with them months ago and have called three times demanding they close my account. ********************** One told me over the phone that they had refunded my $35 annual fee via **** and closed my account, but Ive never received my $35 via mail, and my account is still frozen and not closed. I dont know what else to do to make these idiots do their job. All I want is my account closed and not to be contacted by them anymore, as *** told them.

  Customer response

  07/08/2024

  You closed my complaint because I didnt sign what release form? I submitted a complaint that I need help with.

  Business response

  07/12/2024

  See attached correspondence

  Customer response

  07/16/2024

   
  Complaint: 21915508

  
  I am rejecting this response because: I was told I would receive a check by the mail (which never came) for my annual fee that was paid on an account never fully opened. If you are doing an EFT refund to my account, Ill keep my eyes open for it. However, I know my account was not closed in March as stated because I have continued to receive monthly banking statements showing that the account is active and has a balance of $-39. *** attached last month's banking statement for your reference, and Im willing to bet Ill still receive another one this month. I want my account closed and proof showing that it is with my $39 back in my hands.
  Sincerely,
  
  ***************************

  Customer response

  07/16/2024

  Here is ************** statement.

  Business response

  08/05/2024

  See attached correspondence

  Customer response

  08/06/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me as long as its true and accurate.

  
  Sincerely,
  
  ***************************

• Initial Complaint

  06/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Moved to ***** from ******* in April *************************************************** *********** *****. Credit one shipped my card to my old address in ******* the apartment complex i lived at was being renovated and was unoccupied.Credit one shipped me a duplicate card to ***** after i explained to them in may of *************************************** march of 2024 my card was used at a rite aid and a place called Seneca one stop and was charged around $850 i called credit one to explain the situation and to dispute the charges as i was not and have not been in ******* since i moved. the account has been in dispute since march ***************************************************************************************** my favor because the chip was used. Have explained a countless number of times how the card was able to be used because they shipped it to the wrong address, i have sent in to them (credit one) my police report, my FTC report, a notarized statement under oath confirming i did not authorize or make these fraudulent transactions, satellite images showing my location during the fraud purchases and also my work schedule showing i was working during the time period. They have admitted to shipping the card to the wrong address but still somehow holding me responsible for their error. Credit one also reported late payments and the fraudulent transactions to my credit reporting agencies and my score has taken a massive hit and it states banks are NOT supposed to report fraud and disputes to the 3 major credit reporting agencies.the account is also racking up late fees and interest my balance before the fraud transactions was $0.00 i have spoke to them on the phone numerous times and have gotten nowhere they just keep reopening the dispute for a error they made, i am being heavily penalized i have never missed a payment with them or any other financial institution

  Business response

  07/08/2024

  Please see attached

  Customer response

  07/16/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. they launched an actual intimation and credited my account and removed fees thank you so much for your help 
  
  Sincerely,
  
  *************************

• Initial Complaint

  06/27/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I receive a phone call on 06/17/24 from telephone number ************ and it showed on my phone as credit one fraud department. Thought it was a ligament call. Person said they was from credit one fraud department. they said there was two transactions one from **** and one from amazon. totaling ******.. the man said he was *********************** . he gave me confirmation at009484 was ****** and sb848212 was ****. I advised i did not purchase anything. just before he hung up with me he said if the call drops call him at ************ right then i knew something wasn't right. I got off the phone and called credit one customer service and that amount was pending. I told them immediately to close the acct down. That i did not purchase anything. And it was pending at that time. I got a email that I enclosed said that they stopped the transaction and then when i opened my email on 06/27/24 it appears to be back on there. Enclosed also see attach of credit card company. I turned around called them at 4.38 am spoke to a girl and then said she was transfering to manager ***. then from there he transfered to another manager ******* at 4.50am said they she was reopening the dispute.

  Customer response

  06/28/2024

  i sent the email but wanted this on here also. 

  Business response

  07/05/2024

  Please see the attached response letter. 

  Customer response

  07/23/2024

  I believe they did resolve this . I have not heard from them at all. but it appears balance is gone

• Initial Complaint

  06/27/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  RE: Case Number: 240618000241C for Account Ending in 8206 This was disapproved because they claim I authorized the fraud activity. This is false. I blatantly told the rep on the phone that my phone was stolen and my cards were with it. Whoever had my phone authorized this activity. I even have a police report to supplement this claim. I filed the ** the same day as the fraud was noticed and reported. My phone was stolen, and the person used it to make transactions and approve fraudulent transactions. I am unsure of a suspect at this time, but it was stolen when I was at the mall in *********, **. I didnt notice the cards were taken as well at the time. The suspect hacked into my phone and approved transactions and even tried to Zelle themselves money and use Cash App. Due to me having no access to my phone at the time, I had no other place to access the internet to combat this and no knowledge of the card usage until I got a statement e-mail with a balance.

  Business response

  07/03/2024

  Please see attached response.

  Customer response

  07/03/2024

   
  Complaint: 21908812
  
  I am rejecting this response because:

  I was disputing ALL the transactions on the card since June 12, 2024. None of the charges since then totaling 795.12 are not mine. Please go back and credit those. Those are the ones included as well. It was all charges since June 12, 2024. My account balance should be $0. Please go back and include ALL the transactions. The police report supports all transactions and such from when my phone and wallet were stolen before June 12, 2024. 

  
  Sincerely,
  
  *******************************

  Customer response

  07/03/2024

  It is all the these transactions that need to be included. I did none of these, and this is supported by the police report. Thank you! 

  Business response

  07/11/2024

  Please see attached responses.

  Customer response

  07/12/2024

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

• Initial Complaint

  06/27/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had my phone stollen at ********* in April along with my credit cards in the mag wallet on the back. Had multiple cards used & the thief even tried to send money to ***** from my paypal. I filed a police report with the city of *****, ** (where the theft took place). It took over 2 weeks for me to get a new phone thru applecare. While waiting for my new phone I logged into my online accounts to check for fraudulent charges, so when I finally had a phone again I could call my card companies. I had 7 fraud charges equaling $233.86 on my Credit ******************** card. I called Credit One, filed a claim & a new card was issued. Told the rep what happened, including details about my phone hence not being able to call right away. I asked if there was a portal or email address to send a copy of the police report. I was told not to worry it wasn't needed but if it was I would be emailed. I never heard from them until they sent an email stating they "determined that no error occurred" because "I accessed my online account during the time stated compromise without reporting the transactions". Of course I accessed my online account, how else would I know if there was fraud & for how much, etc to report to the police? & since my phone was stolen I was unable to call immediately. I called Credit One about this & asked where I could send a copy of the police report ********* gave me a random fake address. I asked who to address it to, he said didn't matter, its all the same department(makes no sense). He said to send it with a signed letter explaining what happened & my account number(not comfortable with that) especially not knowing where it's actually going. Asked if I could do it online & they said "heading to the post office isn't much trouble". Was also told to hurry because claims have to be made in 60 ******** was running out of time. Although the claim was already made & am just trying to appeal their decision with paperwork they claimed they never even needed.

  Customer response

  07/02/2024

  How can i get a pdf verision of the form i need to sign and send over to you guys included in the message so that i can sign it via my phone or computer?

  Business response

  07/11/2024

  Please see the attached response letter. 

• Initial Complaint

  06/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Credit One has block one of my credit cards. Ive been trying to unblock for over a month. Spoke to customer ******************** on several occasions who suggested I go,through the website and send documents through the website. Theres no way for me to send documents through the website. I was then to told to mail the documents and it would take 7-10.business days to rectify the issue. I mailed the documents on June 6, 2024 and. Nothing has been done. Spoke to a oher customer service who informed me that the mail is check now and then. Never giving a clear answer when this will be resolved. This is affecting my credit score.all I want is unblock my credit card.

  Business response

  07/05/2024

  Please see the attached response letter. 

• Initial Complaint

  06/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  March/2024 I called to cancel my Credit One credit card with no balance June/2024 Credit One reported Delinquent Account Reported By ********************** Na Reported On Jun 09, 2024 Account Balance $59 I have contacted them several times that I had in fact closed this account.I have had not been contacted by Credit One until I looked at my Credit score. Credit One still is reporting a delinquent account.Any help is appreciated.

  Business response

  07/01/2024

  PLEASE SEE ATTACHED

  Customer response

  07/05/2024

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

  Thank you for your assistance.

  
  Sincerely,
  
  *******************

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