Credit One Bank Customer Service Issues

I am having issues reaching a representative from Credit One regarding my credit card. My payment from 6/3/22 still hasn't reflected in my account before the new statement is generated. It is taking over 5 days for my payment to be processed, which is frustrating. I am starting to question if Credit One is a legitimate company as it seems impossible to speak with a live person. Their "Chat" feature is also unhelpful as there is no real support available. I have verified that Credit One is not associated with American Express. Can someone assist with this situation?

I am trying to reach Credit One Bank, but their phone lines have been busy for three days. Additionally, I noticed a "past due" notice on my credit card account when it has always been set up for auto payments for around six months. I am concerned about not being able to access their website or contact them by phone. What should I do in this situation?

I was not aware of the initial due date for my card ending in [redacted]. When I input the last 4 digits of my card and SS#, the automated system does not recognize it. I need to speak with a representative. I am also requesting a courtesy waiver of the late fee since I was unaware of the initial payment being due on this new card. It has been challenging to reach someone at CreditOneBank lately, unlike before. I am hoping to resolve these matters promptly today. Thank you.

I received an email from Credit One Bank about a payment due for Maria Grant, but I did not receive the card yet, so I think it might be a scam. I wanted to warn others to be cautious. Subject: Important Account Notification From: Credit One Bank <[redacted]> Payment Amount: $30.00 Past Due Date: Jun 17, [redacted] Account Ending In: [redacted] The email prompts to sign in or call to make a payment and recommends setting up payment reminders. It also mentions the email is an attempt to collect a debt. Note that I have not yet received the physical card associated with this account. Please verify the authenticity of such emails before taking any actions. Be aware of potential phishing attempts and always ensure the legitimacy of requests for sensitive information.

Subject: Request for Refund on Insider Spy Pro2.0 Dear Neuromaster Team, I hope this email finds you well. Unfortunately, due to some unexpected emergency issues and financial struggles within my family, I am unable to continue with my subscription to Insider Spy Pro2.0. Therefore, I kindly request a refund of $[redacted] in accordance with your 30-day money-back guarantee policy. I want to assure you that I have no intention of exploiting any of your services by downloading any content. I understand the standard procedure and I am reaching out to expedite the process. Please consider my situation and process the refund at your earliest convenience. Thank you for your understanding and cooperation in this matter. Warm regards, Sheldon David

I appreciate your attention to this matter. I am reaching out regarding a recent discovery on my credit report showing a past due payment on July 11, [redacted], for my Credit One account. Due to contracting Covid-19 and subsequently missing two weeks of work in June, my finances were significantly impacted. Regrettably, this led to the late payment on my account. However, upon returning to work, I promptly brought my payments up to date, covering June and July along with late fees. Prior to this incident, I had maintained a flawless record of timely payments. As I plan to apply for loans to support my pursuit of a data science certification, I am concerned that the single missed payment could hinder my eligibility. I firmly believe that this oversight does not reflect my creditworthiness or commitment to meeting financial obligations. I kindly request your consideration in granting a goodwill adjustment to remove the late payment from July. Thank you for your understanding and anticipated approval. Sincerely, T. Washington

After being informed by Credit One Bank customer service that my credit card limit was $[redacted].00, I took the initiative to confirm my details over multiple calls within three months. Despite these efforts, I received three $39 late fees without even activating my card, leading to a 15-point drop in my credit score. On my seventh call, I spoke with a more competent representative who discovered the issue - they had the correct P.O. box but the wrong city in my address. We corrected the information and ensured my credit limit was corrected to $[redacted], the late fees removed, and the credit report updated. Unfortunately, upon receiving and activating the card three weeks later, my online and mobile banking revealed the three late fees and a credit limit of $[redacted]. Despite paying $[redacted], facing credit score repercussions, and having a lower credit limit than promised, I have decided to cancel the card and consider legal action.

I recently contacted customer service regarding late fees and payment issues. The representative assured me that the late payments were removed and the status was updated. Unfortunately, it seems that this was not done as promised. Last month, my truck was stolen with important bank documents inside, leading me to cancel my bank account. I opened a new account, linked it to the Credit One app, and scheduled my August payments. Despite this, the system indicates the payments were returned and marked as late, even though they were successfully deducted from my new account on time. I am baffled by this situation, especially considering my impeccable payment history. I am concerned about the impact on my record, given that I fulfilled all my obligations promptly.

I made a late payment this month, which incurred a $39 late fee due to receiving my retirement payment on the 22nd instead of the 18th. With recurring issues, I am unable to afford continual late fees and have decided to cancel my card. I understand the policy but need to focus my funds on starting a business that may not profit for a year. I will be diligent in paying off what I owe in installments. Despite the challenges faced from financial institutions and governments, I am determined to help others through my upcoming business. Though skeptical of the system, I acknowledge the limitations and am prepared for any consequences. I appreciate the opportunity to share my concerns. Thank you for your attention, and feel free to contact me via email for further assistance.

I am reaching out to address my issues with Credit One. I have been a victim of credit card fraud, with purchases made using my card number in cities I have never visited. A fraudulent payment was also made on my account before Credit One increased my credit limit, causing a bounced payment. Despite my card being with me the whole time, Credit One canceled my card, closed my account, and transferred an $[redacted] balance to a new account without my consent. I am having difficulties accessing my statements and online account, and the fraud team mishandled my case. It seems like an internal fraud team may be involved within Credit One. Despite my efforts to resolve the situation through multiple calls, I am being denied access to information about my account. I have proof from Credit Wise that contradicts Credit One's claims of no fraud. I am seeking my previous account statements and suspect fraudulent activities within Credit One's call center and affiliates. Thank you.

I recently lost 89 points on my credit report due to an unpaid amount on my credit one Mastercard. A few months ago, I called to address an $8.00 charge that kept recurring. The customer service representative assured me the charge would be removed, and I wouldn't face it again. I mentioned I wanted to cancel the card, but she urged me to keep it promising a $[redacted] refund due to my great credit. I accepted to end the call quickly, knowing I'd discard the check - which I did. Regrettably, I wasn't aware this was a paid card, leading to the current charge affecting my credit score, which I had improved to [redacted]. I mistakenly deleted the emails, presuming the issue was resolved. I don't use Credit One cards and now aim for an account without fees considering my creditworthiness. How can your company assist me in this situation?

I was charged for an order that I never received. I placed an order over the phone, but when I arrived at the Habit Burger Grill in Thousand Oaks, CA, I was informed that the product was unavailable even though I was assured it was when I called to order. I promptly cancelled the order and was told by the staff that the charge on my credit card would be removed. However, upon checking my account, I noticed that the charge has actually been processed twice. The transactions in question are as follows: 11/11/2[redacted]21 HABIT W LAKE VILLAGE190 THOUSAND OAKS, CA $5.35. I need assistance in getting these duplicate charges removed from my account. The name on my card is HARRIET SILVERMAN with the last four digits being [redacted]. Could you please advise me on how to resolve this issue promptly? Thank you.

I tried to book a room at Solea online for Tuesday and Wednesday, but I got there and they said I booked it for Monday and Tuesday. I am certain I selected Tuesday and Wednesday. The receipt indicated Monday and Tuesday. I am not willing to pay for Monday. I will cover half of my bill for the day I stayed but will not pay for Monday under any circumstances. You may cancel my card and report me if needed, but I won't pay for Monday.

I noticed that my account reflects a payment of $50 on 11/24/22, but my bank has no record of debiting the $50 from my account. Despite having enough funds to cover the payment until the 27th, Credit One attempted to withdraw the $50 on the 28th when my account balance was below $50, resulting in a $10 fee from my bank. Credit One then warned me of potential account closure if this recurs. This $50 was not a required minimum payment, but a voluntary one to reduce my balance. Unlike previous payments made in November that were processed promptly, this payment took four days before Credit One attempted to withdraw it when my balance was insufficient. Coincidentally, my payday on the 29th would have covered the $50 payment. I feel Credit One's actions are questionable, and I urge them to rectify the situation by acknowledging the delayed payment, reimbursing the $10 fee charged by my bank, and ensuring my account remains open without penalizing me for their error.

Credit One Bank is incredibly frustrating in every aspect. I am currently handling my late sister's affairs since she passed away in April. Despite my efforts to manage all her accounts, I recently received a statement with a final warning. I have attempted to contact them through various phone numbers but have been unsuccessful in reaching a live person. The lack of an option to address the passing of a cardholder is disheartening. Any advice on how to proceed would be greatly appreciated. Thank you, Laura W. Long.

I reported both my cards as lost or stolen over a week ago to Credit One. They assured me new cards would arrive in about 7 days. When they didn't come, I called on December 7th to find out what was going on. I was shocked to learn that my cards were never even sent out! This has caused a lot of inconvenience for me, as I need the cards for my kids' Christmas gifts and to pay off a klarna balance. I was promised the new cards would now be shipped within 1 or 2 business days, but even that is too long for me. I have stage 4 cancer and am a mother of 3, so this delay is really stressing me out. I used to work in customer service and know that mistakes happen, but immediate action should be taken to correct them, especially given the circumstances. I believe any late fees should be waived, and I should not be expected to make payments until I have the new cards in hand to activate and use them. It's frustrating that I had to call to find out my cards were never sent in the first place.

I am currently facing an issue with Credit One as they have placed a hold on my account, preventing me from activating my new card. When I filled out my application months ago, my phone number was [redacted]. I now have a new number, [redacted]. Despite notifying them of the change, they continue to send verification codes to my old number, causing activation issues for my new card. I simply want Credit One to update my phone number to the new one and allow me to activate my card. This situation has left me feeling very frustrated. Thank you, Peggy B.

I have reported identity theft and should not be held accountable for any unauthorized charges or interest. I am eagerly awaiting the confirmation letter specifying the total amount owed, so I can arrange a payment plan promptly. It has been challenging to communicate with the customer service team as some representatives have language barriers, making it hard to understand the details. This difficulty has caused delays in resolving the issue. I also have not received a response from Fraud department yet. Kindly send me statements from September to December via mail instead of online services. My name is D. Cohn.

Hi, I have not received my replacement card ending in [redacted] yet, and my second card should have arrived seven days ago but hasn't. I'm unable to register the new cards, so I can't contact a representative at the [redacted] number. Without the cards, I can't use the automated system to connect. I really need to speak to a representative to check the status of both cards - have they been mailed and when can I expect them? I haven't received them and need to access my accounts. Should I have new ones ordered? How can I resolve this issue? Could you please forward this message to Credit One? My name is L. Izabella Swanson. Thank you.

Hello, I am currently overseas in the Galápagos Islands, Ecuador, and encountering difficulty accessing CreditOne Bank's website to make timely payments on my two credit cards. Both payments are due before my return to the United States. I am keen to avoid accruing late fees or tarnishing my credit record with CreditOne and overall because of this website problem. I have always been punctual with payments and wish to maintain the positive trend for potential credit increases that come with such responsible behavior. I seek guidance on how to contact CreditOne via email to address this matter. I prefer to reach out in advance rather than waiting until my return to show my proactive approach in handling this issue. Best regards, Amanda F.