Credit One Bank Customer Service Issues

I have a query about how customer statements are sent through the Credit One app. Upon receiving a notification on 8/09/[redacted] that my statement was ready, I noticed the due date was only 10 days away. I’m concerned that this late notification is intentional to surprise customers with late fees. Can you clarify why statements are delivered so close to the due date? I am not personally impacted as I pay early and multiple times each month, but I find this practice to be potentially unethical. Thank you for your response. Gary S.

In March, we had agreed to reduce my yearly fee from $75 to $35, resulting in a credit on my account. However, I was surprised to see charges of $8 per month on my card, which had a zero balance. There were no notifications or emails about changing our agreement to increase the fee to $[redacted] annually. Despite my account being in good standing, the unexpected charges have caused frustration. I have not authorized these additional fees and would like to end our association to avoid further balance fluctuations. Kindly provide me with the notifications from the past months regarding the fee changes and the agreement I was not aware of. I have been charged over $[redacted] in fees in the last 18 months. Please send me the necessary cancellation documents promptly.

Good afternoon, my name is Hector V. I have a card with you ending in [redacted], and there have been charges I don't recognize as mine on my card. These are online transactions, and I don't use the internet for purchases, especially not through PayPal. I had never used it until today to request clarification. The charges I am disputing are two: the first one appeared on the statement on July 22, [redacted], for $[redacted].00, and the second appeared on August 11, [redacted], for $50.00. I called 1-[redacted], where they mentioned additional charges that I haven't made. I want to clarify that I haven't engaged in any type of online transactions or otherwise, and I don't recognize these charges as mine. Thank you for your guidance and support.

I accepted a pre-approved credit card offer that was sent to the incorrect address. After requesting a replacement card due to the error, I was informed that the $39 fee would be deferred to my next bill since I had not activated the card initially. However, I have now received a late fee for not paying the $39. I am disappointed with the lack of customer service options such as live chat, email support, or phone menu to speak with a representative, especially during these challenging times. I am seeking to have the late fee waived, as it should not have been applied in the first place. Additionally, I am requesting that the company offers alternative ways to contact them for assistance.

Hello, my name is Bessie Senig. I am trying to reach someone regarding my account ending in [redacted]. I made a $[redacted] payment last Friday, attempting to do it online did not go through. I called Credit One Bank, and a lady told me she could take the payment over the phone. I provided her with the last four digits of my account number. She assured me everything was fine and provided a reference number, but then she mistakenly put the $[redacted] on account ending in [redacted] instead of [redacted]. I need this sorted urgently as I am behind on payments. It was promised to transfer within 24 hours, but it has not been done. I need the $[redacted] to be applied to the correct account, [redacted], immediately.

I made three payments on November 19, 24, and 25. The payment from November 19 was returned for $[redacted], and I received a late fee of $28.00. Another payment made on November 24 for $20.30 will also be returned. I contacted my bank this morning after noticing the returned payments and late fee, and they indicated the issue lies with Credit One. To address this, I made a $[redacted].00 payment this morning, ensuring my bank acknowledged it. I am requesting a refund of $28.00 on my Credit One card and clarification that this situation will not impact my credit report. In the past, a manager credited my account for monthly fees and waived a $10.00 credit increase fee, although it still reflected in my credit card balance. I am seeking a credit of $38.00 for the late fee, credit increase fee, and an increase in my credit limit to $1,[redacted]. As a loyal customer who consistently pays on time using the same account, I believe there may have been an error on Credit One's part. If this issue is not promptly addressed and my credit limit increased, I am considering canceling the card, as I had previously considered. After resolving this matter, I would like to speak with a manager about all my card issues. Thank you. Best regards, Eric M

My card account has been hacked into by AMZNUS*X 18EF2403Amzn.com/bill WA D. When I looked up the site, I found many others experiencing the same unknown charges and want it to stop. Why is Credit One allowing this to happen? By just checking the address, they should know that clients' card numbers are being stolen. I have been hit three times with charges I did not make and can't seem to reach Credit One for assistance. How can I stop this unauthorized activity if I can't contact Credit One by phone or email? Please help.

I received a new Credit One Platinum credit card in the mail yesterday. I called [redacted] to activate it, and the process seemed successful, but when I tried to use it, I was denied because the card wasn't actually activated. I've attempted to contact customer service multiple times but haven't been able to reach anyone. I would appreciate it if someone could assist me in activating my card. Thank you.

I have an issue that needs addressing. I received a statement from your company indicating I have an Annual Fee of $75 due in [redacted] for my Burlington credit card. This card was newly acquired when I applied at your Rego Park store, and the salesperson did not mention any additional fees during the application process. As a result, I no longer wish to keep this credit card. Furthermore, I am inquiring about how to settle my outstanding purchase balance. Credit Card Information: Card Number: [redacted] Card Name: Xiuli Shao Please reach out to me at [redacted] or [redacted] Wishing you a Merry Christmas!

I'm Todd Rainey from 47b North Sturbridge Rd, Charlton, Mass. I've been experiencing issues with my card being turned off for months. Despite sending letters, pictures of my license, bills, and calling customer service around 50 times, the problem remains unresolved. Recently, I noticed a $10 charge on my inactive card, which is concerning. The last four digits of my Social Security Number are [redacted], and you can reach me at [redacted]. I would appreciate it if someone from the USA could contact me to address this matter promptly. Thank you.

I recently received my Credit One card last Friday, the 18th, with a $[redacted].00 limit. I initiated a $75.00 cash advance and made an upfront payment of $75.00 for the card without noticing it. I called this morning after realizing this, and even though I haven't used the card yet, the automated system shows that I only have $[redacted].00 remaining. They acknowledged that an additional $75.00 charge was mistakenly applied to my account without any card usage. The card has only been activated. I need this issue resolved immediately. This is my first experience with a credit bank, and it's not a great start.

I updated my account profile on 11/17/[redacted], providing my bank details and authorized Credit One Bank for automatic payments due on the 19th of each month. However, the payment did not process as scheduled. Worried, on 12/20 I manually made a full payment since no action had been taken. Surprisingly, I have been charged a late fee of $29.00, and my balance has unexpectedly increased from about $40.00 to $[redacted].00. I relied on Credit One to handle monthly payments automatically, and this sudden change has left me concerned about the management of my account. I fear this delay could harm my credit score. It's important to resolve this promptly.

Hello, I have been a long-time client, and due to Covid-19, I have faced numerous challenges. I have been unable to reach a representative because of long wait times. I have noticed multiple fees on my credit card statement that have caused it to be overdrawn, surpassing my usual charges. I kindly request the removal of these fees to bring my balance back to a reasonable level.

I am attempting to process a quick payment via the app using my savings bank account, and I keep encountering an error message stating, “Payment already received, only one payment may be made in a 24-hour period.” However, I have been trying to submit this payment for approximately a week now. Given this, it has clearly been longer than 24 hours since my last payment attempt. Please note that my account balance is sufficient, so I am eager for this transaction to be successful. The current situation is frustrating.

I am Kimberley Bergeron and I am a new customer. I have not yet received my card. I recently got a bill for the first payment but before that, when I called the customer service representative to cancel the card and send a new one, the call got disconnected while he was processing the request. Now when I try to contact customer service and provide the last four numbers of my social security, the system says I am no longer a customer. I believe there has been an error as I never received the card. The representative assured me he would cancel the old card and send the new one. Please reach out to me to resolve this issue.

During the Covid-19 pandemic, I believe that loan companies should be more understanding of the circumstances. Unfortunately, a late payment of about $25.00 in November [redacted] was reported to the credit agencies due to a missed billing statement. This occurrence has impacted my credit rating as I am in the process of refinancing my home. I want to clarify that this was a late payment for monthly fees, not a purchase, and once notified, I promptly settled the outstanding amount. I am requesting to have the late payment notification removed from my credit report to rectify the situation. If this request is not feasible, I would like to proceed with canceling my credit card account altogether. Sincerely, Bruce B. Mayer [redacted] Geronimo Avenue San Diego, CA. [redacted]

I am having trouble accessing my account online due to the two-factor authentication process. I need to update my email address but cannot get through to customer service. The options provided on the phone system are not helpful in resolving my issue. I have a secondary email that does not receive any messages from them. It's frustrating not being able to update my information. I believe customer service should be more accessible in situations like this. Thank you for your attention to this matter. - Patricia D.

I wanted to update you on my recent communication with the merchant regarding an incorrect charge on my credit card ending in [redacted]. I was billed twice for a single transaction and would appreciate a refund of $[redacted].61 to my Capital One credit card. The initial attempt to make the payment was unsuccessful, so I had to use my local debit card from Sterling Bank to complete the transaction. Your prompt attention to this matter is greatly appreciated. Regards, SA

I, Sonja Walker, recently attempted to pay my bill and was informed that my credit card had been closed due to fraudulent activity. I am seeking a letter to confirm that I am the rightful account holder and request for it to be reopened. I did not authorize the closure of my account on April 5, [redacted]. Despite having a $[redacted] limit, I only utilized $30 of it last month and intended to make a payment this month before the closure occurred. I am unsure of the next steps to take and would appreciate guidance on how to proceed.

I have a Credit One Platinum Visa card with a $[redacted].00 limit. Recently, I received and activated a Credit One American Express card with a $1,[redacted].00 limit. The American Express card has no monthly fee, unlike the Visa card, making it redundant. I am aware that I can cancel the Visa card at any time as per the Credit One Bank agreement, but their phone and online cancellation process is extremely challenging. Any assistance with this issue would be greatly appreciated. Thank you, G. Vaughn