Credit One Bank Customer Service Issues

I have been a loyal customer of Credit One Bank for 2 years without missing a payment. On October 29, [redacted], I made two payments: one for $[redacted] through Express and another for $[redacted] via my bank. The $[redacted] payment resulted in my card being blocked, and they requested a letter from my bank to verify the account. Despite mailing the letter, they claimed it wasn't received. After faxing it and waiting, they informed me it would take 3-5 business days to verify. The customer service experience has been frustrating, with my card blocked for over a month, even though they have the payment. I'm trying to resolve this before resorting to social media to share my negative experience. After 2 years of loyalty, I feel unfairly treated, especially during the holiday season when I need my card.

I received a text indicating my scheduled payment from five days ago is now late. Unfortunately, I have been unable to access your website or app as the servers seem to be down. After multiple attempts to call your toll-free line, I finally reached a representative after three tries and endured a 15-minute hold time. However, when I explained my issue, the representative acknowledged it without requesting my account details and advised me to try again tomorrow. When inquiring about assurances regarding late fees or increased interest rates, the call abruptly ended. Due to this poor service experience, I have decided to close both of my accounts with your company immediately.

I'm frustrated and about to cancel both my Visa and MC accounts. I received a text at 8:18 pm EST stating I was overdue on one account. I've spent three and a half hours trying to contact customer service but failed. The website and phone lines were inaccessible, and the only phone contact gave me a message that my number wasn't recognized. Despite this, I managed to access the website after two hours and found that my accounts were not overdue - both had a zero balance. I hope for better customer service or I will consider switching credit card providers after the new year. This situation is anything but amusing and needs to be resolved promptly.

I am writing regarding my credit card account ending in [redacted] for Grigory Garber. While traveling outside the USA in early December, I attempted multiple times to make a payment online, but was unable to connect to your website. Despite numerous calls to both [redacted] and the international number provided, I received no response after waiting for over half an hour. Upon my return, I received a text message indicating a past due payment. Upon logging into my account, I discovered a payment due on 01/01/19, which I had already made on 12/06/18. To my surprise, I found that my available credit was showing as 0, despite my history of making payments well before the due date and often in excess of the minimum amount. I hope that any potential late fees will be waived, as I made multiple attempts to resolve these issues online and over the phone without success. I kindly request that you rectify this situation promptly so that I may continue to be a valued customer. Please communicate with me via email for any further correspondence. Thank you.

I have been trying to make a payment to my credit card for over an hour, both through Express payment and the normal processing method. The mobile app is completely messed up, displaying everything in computer language, making it impossible for me to read anything. This serious glitch on your side even allowed me to see some documents I shouldn't have access to, including a bank I don't recognize connected to my account. I will not accept any charges incurred during this glitch. I am hesitant to call customer service due to the chaotic state of my account page. I refuse to submit my credit card payment through the Credit One mobile app until these issues are resolved. I am emailing to inform you that I do not feel secure making a payment online or through customer service until this glitch is completely fixed. Thank you, Wilbert P.

I had two Credit One credit cards that were in good standing until illness struck again, leading to overwhelming medical bills. I've had to close my other cards and join a Family Credit Management program to address my bills. Unfortunately, Credit One is not cooperating with my situation. Despite trying to negotiate a payment plan with them due to my ongoing medical issues and surgeries, they informed me that they do not offer such programs. As a result, I'm struggling to pay off the accumulating charges each month, feeling trapped in a cycle of debt. With Stage 4 Kidney disease and more surgeries on the horizon, the uncertainty about my financial situation is taking a toll on my health.

I recently applied for a credit card to improve my credit score. The card had a $75 annual fee, which I paid. However, I ended up not using the card. When I received my first bill of $26, I tried calling to make a payment but couldn't reach a representative. To pay over the phone, there was a $9 charge. Setting up an online account was also difficult as the website required access to my device. Due to these challenges, I was a day late with my payment and incurred a $25 late fee. This brought my total due to just over $50, which I managed to pay online. I found the customer service and payment options frustrating compared to my other cards and am now considering canceling my account.

I am contacting you because my account access has been suspended. The bank's error has been corrected, and the necessary letter was faxed over on 12/12/[redacted]. However, I still do not have online account access. The refund from my pillow for $[redacted].35 was processed on the same day. I require access to my account to check my balance and ensure all transactions are accurate. If the issue is not resolved soon, I will cancel both my cards. I will attempt to access my account again on Monday, hoping for a resolution. While I have taken steps on my end to address the problem promptly, I am awaiting your assistance.

I am reaching out regarding my credit card situation. I have taken all necessary steps to resolve the issue. On 12/18/[redacted], I faxed the required documents from my bank, and they were successfully received. I am anticipating online access to my accounts. There are two specific amounts that should be credited back to my card. One is $50.00, mistakenly taken by the bank, and the other is $[redacted].35 from a duplicate order by My Pillow. The extra order was returned, and I expect the refund to reflect on my card. I need to verify the deductions from my balance by accessing my account. Losing $[redacted].35 would be a significant loss for me. I am eager for prompt resolution on your end and appreciate a written response addressing this matter. The lack of access to my account is causing distress. Thank you for your attention to this issue. S. Maczorowski

I need to confirm that the call I made to replace my lost card will be sent "IN CARE OF" since the call dropped. I redialed immediately, currently waiting on the phone for a supervisor as the person I got now is requesting a password that was not previously set up or received in the mail. Despite having all my account information in front of me online, the new person insists on the password for identity verification. I simply need to have the lost card replaced urgently and delivered to my location, not my home. Due to personal circumstances, I have been preoccupied and need to ensure the accuracy of the information provided since the previous call was disconnected abruptly. I hope this explanation is clear. Thank you.

Billy Wayne Lewis [redacted] Cowan Rd. Moody, Texas [redacted] December 18, [redacted] Credit One Bank PO Box [redacted] To Credit One and Concerned Entities: I am Billy Wayne Lewis, a customer of Credit One since June 9, [redacted]. I have encountered issues with fraud, late fees, and lack of communication. Despite numerous attempts to resolve these problems, I have faced challenges reaching a satisfactory resolution. Late fees appeared on my account even though I pay ahead, and I discovered disturbing discrepancies in my account transactions. Credit One failed to address the fraudulent charges adequately, and my billing date was altered without my knowledge, resulting in additional late fees. Despite my efforts to seek assistance, I encountered unhelpful and unprofessional customer service representatives. I am requesting a temporary halt on payments and a thorough investigation into my account transactions and the removal of any unjustified late fees. Until these matters are resolved, I am withholding further payments to Credit One. I expect prompt action to rectify these errors, and I am prepared to pay the accurate amount owed once the issues have been addressed. Thank you for your attention to this urgent matter. Sincerely, Billy Wayne Lewis

I have held a Credit One credit card for a while now. I always pay my bill in full monthly through electronic payments made by my bank. On Dec 3rd, a payment of $[redacted].01 was sent, along with a tracing and confirmation number from my bank, TDBank. The payment seems to have gone to my old account, which was closed due to fraudulent activity. Even though I received new cards, I did not inform my bank, assuming the payment would be redirected to my new account. Unfortunately, Credit One's customer service is not understanding my situation, claiming they did not receive the payment and imposing late fees. My bank indicates the payment went to the old account but was credited to the new one. I am frustrated as $[redacted].01 is missing due to this error. I hope someone resolves this issue promptly and transfers the funds to my new account. I possess a letter from my bank with the trace and confirmation number for proof of payment. I kindly request the late charges be waived, and the payment be credited to my account. I am William P. C. from Landenberg, PA. Please help!

I am experiencing an ongoing issue regarding a payment error that occurred with my bank. The payment was mistakenly taken back from your end instead of another credit card that mistakenly made an extra payment. Although I faxed the required documents from my bank on 12/18/[redacted], I have been informed that they have not been received yet. Since I cannot access my account online where I usually make payments, I am reaching out for assistance in resolving this matter. Despite always maintaining good standing with prompt payments and paying above the minimum required, I am facing challenges resolving this error that I did not initiate. I kindly request a thorough investigation into this matter on your end to rectify the situation promptly. Stephanie Maczorowski, [redacted]

I ordered flowers from Teleflora on 12/30/18 for delivery on 12/31/18 to my wife's workplace. Despite being promised delivery by 5 PM, the flowers never arrived. After multiple calls and offers to reschedule at half price, the order was never fulfilled. Teleflora explained I needed to cancel the order with the florist for a refund, but the florist was unreachable. Unlike other florists in the area, this one never answered or returned calls promptly. It's now Jan 3rd, and after a week of back and forth, I'm still waiting for a refund and a confirmation email. I just want this resolved quickly without more excuses. I'm tired of this runaround and just want my money back for a product and service I never received. - Chris P.

I ordered flowers from Teleflora on 12/30/18 for delivery on 12/31/18 to my wife's office. Despite assurances the delivery would be made by 5 PM, it did not arrive. After multiple calls, I was offered a half-priced delivery for 01/02/19, which also did not happen. They explained I needed to cancel with the florist for a refund, but the florist never answered. When I called other florists in Georgetown, TX, I received timely responses. It's now 01/03/19, and I'm still waiting for my refund, facing delays and excuses from Teleflora's customer service. I just want a resolution and my full refund for the undelivered product and service. Regards, Chris P. I am requesting that Credit One assist promptly in resolving this matter so I can receive a full refund to my account.

I am Detective Christopher (D910) from the Suquamish Police Department in Suquamish, Washington, investigating Elder Abuse. The suspects have been fraudulently applying for credit cards in the victim's name and misusing them. The victim, who is a vulnerable adult with cognitive impairments under a legal guardian, had an application denied by you on 02/02/18 due to an outstanding account. I am requesting any information related to MERLE HAYES from your records on behalf of the victim. If needed, his legal guardian can also reach out with proper documentation. If you agree, kindly provide the address for your legal department, as I may need to seek a search warrant. For further correspondence, please contact me at [redacted] or [redacted]. Thank you.

Good evening, I am reaching out regarding my two accounts with Credit One, listed as account ending in [redacted] and account ending in [redacted]. Unfortunately, my last two payments were returned due to the closure of my bank account, stemming from complications with my payroll department during the transition to a new account. I kindly request consideration for the crediting of the late and returned fees, as well as an update to my credit reports to reflect current status once I am able to make up the past due payment. These past two months have presented various challenges, including limited access to my funds with no checks or debit card, and delayed paychecks. As I work towards paying off my debts in full over time in an effort to rebuild my credit, I ask for assistance and understanding from my creditors. Given recent changes in my financial situation following a separation from my husband, I am now living on a reduced income and struggling to make ends meet. I am eager to establish biweekly payments starting on 2/2/19 for my account ending in [redacted]. Unfortunately, the Credit One website does not support scheduling payments, which I believe is a significant drawback that should be addressed for customer convenience. Your help in this matter is greatly appreciated. Sincerely, Natalie A. F. 8 Penn Drive Sewell, NJ [redacted]

I require access to my online account to process payments. The account is currently restricted due to outstanding payments. Living as an ExPat abroad temporarily, I urgently need access to begin making payments. Being charged for calls outside the USA, I aim to avoid excessive fees to my mobile provider by minimizing the need to call or be placed on hold. My username is Stevedelicat.

Upon reviewing my January Visa credit card statement, I noticed an unauthorized charge of $43.76 from Gulf Oil in Bronx, NY on 12/31/[redacted]. Despite disputing it, Credit One concluded that I had made the purchase, which is inaccurate. I haven't been to New York in over 25 years and do not own a car to buy oil or gas. Moreover, subsequent charges of $42.77 on 1/11/[redacted], $46.26 on 1/16/[redacted], and a pending charge of $39.55 on 2/09/[redacted] also from Gulf Oil appeared on my February statement, totaling $[redacted].34. These charges were not authorized by me, as my card has always been in my possession, and no other users are authorized on my account. I urge Credit One to investigate this issue promptly and remove these charges. I request a new credit card with a different account number to prevent further unauthorized charges. If necessary, I will escalate this matter to the Consumer Financial Protection Bureau and the Federal Trade Commission. Thank you for addressing this promptly. - Gary Vaughn, Fort Worth, TX

I recently received my card, but I am encountering issues with the payment process at 30 A due to a deductible charge that was not expected. I am currently trying to resolve this matter and facing complications with my credit score, which has been affected by a family member's passing and my own health issues causing financial strain. I am committed to improving my credit situation and appreciate any assistance I can get in this matter.