ComplaintsforCredit One Bank

• 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,
  
  *******************

• Initial Complaint

  06/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I applied for a credit one bank card through credit karma and have been waiting for it. Looked online and saw that it was mailed to me, but it was never received at my home address, noticed that on credit one, they have my last name as my previous last, so the mail carrier probably sent it back. I called credit one to see if i can change the last name and get it resent, i was given a hard time about even trying to get the account looked at. The guy didn't want to take the last 4 of my social-wanted my complete social security, I gave him all my information, but I cannot give that information to someone who is clearly working overseas. Anyway, I log on to credit one app and i see that I already have a $75 charge on the card. IN NO WAY was I told that there was going to be a fee for this card, ESPECIALLY a $75 fee. Nope, not doing it. I want this card closed-because I don't have it in my possession anyway, card hasn't been activated how is it going to have a charge? I want this card closed and this $75 fee taken away. I can do without this card.

  Business response

  07/02/2024

  PLEASE SEE ATTACHED

  Customer response

  07/03/2024

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

• Initial Complaint

  06/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  A person used my credit card fraudulently. I reported to Credit One at the beginning of April. The chargers were done on my card in March. 4 charges were not mine, adding up to $144. I also want to be credited back 3 months of late fees because I asked them not to charge me late fees while I was active in the investigation. did they do that? No. I want to be credited $250 because of late fees. I have disputed the charges multiple times and even filed a police report. The company still refuses to credit me back. Had they done their investigation correctly, they could have pulled the camera footage, considering the person who used my credit card went to a casino that is filled with cameras. My time has been consumed for months going back and forth, and they continue to tell me they do not care and that I need to take responsibility for the charges when it absolutely was not me. I have spoken to the police, and Credit One bank said the police report I sent them wasn't good enough because I used a pencil to write it down and it is clear in that in the right hand corner of the document the case number I have with the police is written in Pen because the officer wrote the case number down before I filled it out. I am tired of explaining myself and disputing the same charges. I need a resolution that is correct and not based on the company's negligence. Months have gone by I keep reopening the case just based off principle. It was not me, and I refuse to pay charges that were not my fault. I have never in my life been to the ************* or the ****************. Again, if the first investigator did their job correctly, they would have immediately seen that whoever did those chargers wasn't me. Because they did their job inadequately, they now want me to take the fall. And may I add that 1 of the 4 charges was a collect call and for some reason Credit one bank thinks that wasn't me but all the charges that were made on or around the same time were. It makes no sense.

  Business response

  06/28/2024

  Please see attached.

• Initial Complaint

  06/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I contacted Credit One Bank today regarding utilizing my credit protection on my account while I was not working. My last date of employement was June 14, 2024. The representative stated that my card was closed September of 2023 due to a return payment. I never received anything in the mail or via email in reference to a returned payment. I have been paying on this credit card for months with no idea that the card was closed. When I asked about using my credit protection. The representative said that it could not be used because the card was closed. I have been paying on this credit card for years. I don't understand how it was closed without any warning, written coorespondence, email or anyrthing. I even went through my online documents on my online account and don't see anything posted or other wise on there. For them to close my card due to one return payment is ridiculous, especially when you don't inform the customer. I am asking for reinstatement on my account and reinstatement of my credit protection so that I can make payments to get the account down to a satisfactory amount as to avoid lowering my credit score.

  Business response

  07/02/2024

  See attached correspondence

• Initial Complaint

  06/25/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  They sided with spirit airlines on my dispute for $97 on 5/16. They never credited me flight credit like they said they would. I want to re file my dispute and i want my funds back asap.

  Business response

  07/03/2024

  See Attachment 

  Customer response

  07/03/2024

   
  Complaint: 21884763
  
  I am rejecting this response because:  WRONG ANSWER!!! *** contacted them they never gave me my money back or credited me like they said they would .

   

  i want to reopen my claim ! If I dont get my money back yall want get yall money back because I dont owe it !

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

  Business response

  07/09/2024

  See Attachment 

  Customer response

  07/23/2024

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

• Initial Complaint

  06/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am not the best person with money, nor with credit, but recently I started to look through my credit card statements to ensure I understood why my credit card balances are the way they are. What really concerned me, when I made my minimum payment according to the Credit One app option to pay the minimum payment, when I received my new bill, I noticed my balance increased, putting me over my limit and affecting my credit score. When I received my new statement, I noticed the minimum amount due on my statement was higher than the minimum amount due in the Credit One app for the upcoming payment on 6/28. On my statement, I have a due date of 6/28 with a minimum payment of $118 due; however on the app, with a screen shot to prove it, I have a due date of 6/28 with a minimum payment of $79 due. I am well educated and can recognize when there is an agenda to keep uneducated/busy people in a cycle of debt and bad credit.There were two other times this happened, although I do not have the screenshots to prove because I didn't think there was a need but I must express due to convenience, I use the app and trust the minimum the payment option provided through the app for the due date and it's usually around the same amount, give or take a few dollars. When I look through my statements, two minimum payments stand out to me 2/28 minimum payment of $103 (through the app I paid the minimum payment of $73), 5/28 minimum payment of $117 (through the app I paid the minimum payment $78 - you can see on my statement 5/5/25-6/4/24 where I made a payment of $78 through the app).

  Business response

  06/26/2024

  The response correspondence is attached.

  Customer response

  06/27/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and while I find that this resolution is unsatisfactory to me on the behalf of other individuals, I will not worry myself with your lack of integrity due to your general statement. Ive read the disclosure of my credit card statements and have full understanding of how minimum payments are determined. 

  My complaint was completely dismissed that your Credit One app and statements are inconsistent in regards to minimum payment due. Regardless, the minimum payment due notated in the app with the original provided screenshot should be the same as on the statement. Your obvious general statement shows me your company has no integrity. God sees everything, and I pray you all get it right for your sake, all people involved, & for the sake of others who are too busy or uneducated enough to compare statements to app minimum payments. Im just glad I know going forward your company cannot be trusted.

  Sincerely,
  
  Bridada ***** (formerly ******)

*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. ↩