ComplaintsforCredit One Bank

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Initial Complaint
09/05/2024
Complaint Type:
Order Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I received an email from Credit One Bank stating my pin had been charged on my ********************** One ********************** card. I dont have a credit card with them. I called their customer service and spoke to Leone. He insisted I provide my 9 digit social security number 3 times or he could not help me. He then put me on hold for no reason and kept asking me questions trying to get me to say yes. At most, I said sure once. He told me there were no local branches to reach out to and all I could do is write to a P.O. Box letter. I hope You can intervene to prevent someone from creating a credit card in my name fraudulently or to investigate whether something inappropriate is occurring with Credit One. The number I called for credit one is the one listed on ****** ***************). The notion they cannot help without me disclosing personally identifiable information when they emailed me and have my email address is inexplicable. Even if they needed 4 digits of my ss number that might make sense, but not all 9. Thank you.
Business response
09/17/2024
Please see attached response letter.
Customer response
10/02/2024
I must have missed your last communication. Credit Ones response resolved my concern. Thanks for your help.
Initial Complaint
09/05/2024
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
The date was on May 24th of this year I had not realized that it was a shared credit card, and they took 500$ out of my account. I closed my account with them on the 28th of May and they told me it would take 60 days to get my refund. After the 60 days I had called to see where the refund was because it had been almost 80 days now. I also wasn't able to talk to someone from the main menu on the phone and everyone told me something different. The last time I had called they said 5 business days, and I would receive a check of 500$ and that was over 30 days ago.
Business response
09/16/2024
Please see attached.
Customer response
09/17/2024

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
09/05/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I entered into a debt management program. Credit one bank accepted the proposal to change my monthly payments, and adjust my APR. Instead Credit one bank still has not honored the proposal that they have accepted. Please help me resolve this matter.
Business response
09/12/2024
Please see attached.
Initial Complaint
09/05/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have been unable to reach your customer service as I keep reaching a busy signal at all hours of the day been trying for the past 2 weeks days as of Monday, September 2, 2024.I accidentally ordered a replacement card incorrectly due to a damaged card of my Wander card ending in 6093. The way I ordered the new card caused me to be charged a fee on August 27, 2024 for $6.95. I would like to respectfully request that this fee be waived since I will not be keeping the card active AND it has not been received or activated.Since I am unable to discuss with a customer service agent all the issues been brought up here to try to come to an agreement on keeping the Wander card open (again due to the busy signal I have been getting for about a week now), I have no choice but to request that account be closed BEFORE the annual fee of $95.00 assesses for another year soon. This request is effective immediately. Thank you for your help with this matter.
Business response
09/12/2024
The response correspondence is attached.
Initial Complaint
08/29/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have contacted Credit One twice now and letting it be known that theyre furnishing an unauthorized inquiry on my Experian credit report. I have attached a copy of the first letter I have sent out to them and the second letter i have just sent via certified mail, the second letters tracking number is ********************** I had to send them a second message because i find their first response to be not sufficient enough to leave the status as valid for the unauthorized inquiry im disputing. I requested their method of validation and Im requesting them to send me the full procedures of their reinvestigation. I also cited 15 U.S.C 6802(b)(1) and let it be known they never received any signed written or verbal agreement from me to furnish my non-public information to Experian.
Business response
09/10/2024
Please see attached.
Initial Complaint
08/29/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have been a credit one bank card member since March of 2023. My minimum payments are $30.00 I have been on top of my payments. I looked over my statements today 8/29/2024 and noticed since March of 2024 I have been getting charged an annual fee of $8.25 making my credit limit low even though I have been making my payments. I reached out today to speak to an agent about waiving the fee. The agent told me that she is unable to waive the fee it is a valid charge. I called back and spoke to another agent explaining the same issue another agent is telling me that it is permanent. This company is predatory and needs to be shut down. All through out 2023 I was never charged a late fee until now. I am never doing business with credit one ever again. I have been on time with my payments and then in march of 2024 this company begins to sneak these annual fees. I cannot even use my card because the credit limit is low because your company keeps deducting annual fees. I am never doing business with credit one again. This company is predatory
Customer response
08/29/2024
The form is not giving me an option to type it on my device
Customer response
08/29/2024
I was able to fill out the release form I emailed it ***********************.
Business response
09/09/2024
Please see attached.
Customer response
09/10/2024

Complaint: 22213692

I am rejecting this response because you are claiming that this is valid when I have not seen this annual fee of $8.25 since all of March 2023 until December did not see this fee on January and February of 2024 I began seeing this fee on March 2024. Since credit one is not willing to work I will be closing this account once payments are made I am done doing business this is predatory

Sincerely,

***************************
Business response
09/16/2024
Please see attached.
Initial Complaint
08/29/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am among the many, many consumers who've been inappropriately charged (and still currently am) as well as mistreated by customer service. I wrote a review about my negative experience with Credit One Bank but then I was curious as to just how many shared it. In digging into this issue and seeing just how many folks were involved, I discovered there is a class action lawsuit. There is very little information available as to actually applying to be included in this class action - the articles I have read say that the application is available on the main page of the company's website. However, when one goes to the website, well, if the application is actually there at all then it is not easy or intuitive to find. I cannot even find what firm is handling it, which is odd at best. Based on what I have found I am under the impression that the deadline to apply has not ********* be completely honest this feels like a tactic to keep people from being compensated for what has effectively been stolen from them. This continues the failure to provide transparency and security. It continues to render the company fully inaccessible when it comes to consumer safety and *********** is highly inappropriate and unprofessional to exclude consumers from rightful compensation, especially in the wake of what has already been an extreme case of fraud, and unethical and predatory business practices from this financial institution.I am also concerned about the fact that I - a clearly affected member of the class in question which can be identified by reasonable effort - received no notification, nor can I access any information about the lawsuit on my own. I'm not surprised, as Credit One Bank is notorious for their lack of communication, but the seemingly deliberately deceptive actions of this institution are alarming and do not ****** trust and security.
Business response
09/19/2024
The response correspondence is attached.
Initial Complaint
08/29/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
On 6/12 I received a call from Credit ****************************** that I had a charge on my account for $764.60 and they ask if I made the charge I said no! They preceded to ask some personal questions about my account the exp date and the **** I thought this was a bit ****** but I was reluctant to give the info but was told I had to in order to get the situation resolved. So, I gave them the info and was advised not to use the card and that I would receive a new card. The call felt a bit strange, so I immediately call the credit card company back and told them what happened. They had no record of the call, so I ask them not to let any charges come through and they agreed. I called back in about 2 weeks to inform them the charge was on my statement.I filed a complaint. They denied it, so I filed a second complaint, and they denied it as well. I called and talked to several managers, and no one was willing to help me after I explained the situation to explain about the number that called was from the Credit One number on my caller ID when the charge was made but, they want stand by the charges. They should have been trying to contact me anyway since the charges were from an out of the country vendor. Credit One failed to protect me as a customer from fraudulent activity, and failed to stand behind me as a customer. The charges should have never been allowed to go through without my approval. Makes me wonder if the company and Credit One was not in this fraudulent scam together. It seems awfully suspicious. I have since closed the account because if they can't stand behind their customers and fraudulent charges then I don't need that **** card. I want the credit card company to remove the charges they can contact the merchant since they paid them and get their money back, since they should not have paid it in the first place. The merchant is out of the country I have no way to contact them.Sincerely,***** ****** ************
Business response
10/02/2024
Please see attached.
Customer response
10/08/2024

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
08/29/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have been getting harassing phone calls daily. Like 10 a day from multiple phone numbers. I already told them I cant afford to pay until September. They have called from *****************, *****************, *****************, *****************, *****************, *****************, *****************, *****************, *****************
Business response
09/05/2024
Please see attached.
Customer response
09/05/2024

Complaint: 22208429

I am rejecting this response because: harassment is illegal and I will get a lawyer

Sincerely,

***********************
Business response
09/12/2024
Please see attached
Initial Complaint
08/28/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Credit One Bank agreed to the credit protection program, and I have an active benefit on both accounts ending in #**** and #****. Credit One Bank REFUSES to mail me replacement cards, and the keep posting the balance and payments as PAST DUE, when the credit protection benefit is supposed to cover the payments WITHOUT the account being past due!
Business response
09/05/2024
PLS SEE ATTACHED

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