topic Re: Credit One Credit Card in Rebuilding Your Credit

Credit One Credit Card

Anonymous — Fri, 24 Aug 2018 16:40:12 GMT

In June 2017 I went to Puerto Rico for a work trip. I used my Credit One Bank card to pay for an Uber. They declined the charges and when I called them, they told me to use cash to pay for the Uber as they had a lot of issues with stolen identity. As it turned out, my card number was used in several places on the island. When I returned home, I called and reported the incorrect charges to them and instead of the person fining an identity theft claim, he put into the system that I never opened the account. As a result, the account was closed and I was unable to access it or make payments. They mailed me a new card and would not activate it. In May of 2018, I spent 4 hours on the phone, talked to them in detail and paid in full for all my charges and they told me they would open an investigation. In July 2018, I spent another 4 hours on the phone, finally spoke to someone on the corporate side and they did remove the charges, but they have yet to remove the late reports and reopen my account. This is frustrating. I call and talk to people, they say they will help me, but they don't.

Re: Credit One Credit Card

Anonymous — Fri, 24 Aug 2018 19:11:07 GMT

Have you tried filing disputes with CBs?

Re: Credit One Credit Card

Anonymous — Fri, 24 Aug 2018 22:58:20 GMT

@Anonymous wrote:
In June 2017 I went to Puerto Rico for a work trip. I used my Credit One Bank card to pay for an Uber. They declined the charges and when I called them, they told me to use cash to pay for the Uber as they had a lot of issues with stolen identity. As it turned out, my card number was used in several places on the island. When I returned home, I called and reported the incorrect charges to them and instead of the person fining an identity theft claim, he put into the system that I never opened the account. As a result, the account was closed and I was unable to access it or make payments. They mailed me a new card and would not activate it. In May of 2018, I spent 4 hours on the phone, talked to them in detail and paid in full for all my charges and they told me they would open an investigation. In July 2018, I spent another 4 hours on the phone, finally spoke to someone on the corporate side and they did remove the charges, but they have yet to remove the late reports and reopen my account. This is frustrating. I call and talk to people, they say they will help me, but they don't.

Credit One's fraud team seems to incompetent from I have heard. I would do what Cole615 suggested: dispute with the CBs. The CBs will contact Credit One to investigate the late payments. Credit One should have no problem telling the CBs to remove the late marks.

In the event that the CBs conclude the late marks to be accurate, reach out to the CFPB (Consumer Financial Protection Bureau) to get this issue resolved. From what I have read here, lenders generally take the CFPB seriously.

Re: Credit One Credit Card

Anonymous — Fri, 24 Aug 2018 23:07:17 GMT

I have called and talked to them. When I disputed with the credit reports, they told me they stopped works my on it. Now I am going to write a letter and send it to them with the details. I am hoping this will work.

Re: Credit One Credit Card

Anonymous — Sat, 25 Aug 2018 00:03:28 GMT

@Anonymous wrote:
I have called and talked to them. When I disputed with the credit reports, they told me they stopped works my on it. Now I am going to write a letter and send it to them with the details. I am hoping this will work.

Let us know how it goes.

Re: Credit One Credit Card

Anonymous — Sat, 25 Aug 2018 01:11:00 GMT

I have done this once, but called them. After reading the different posts here, I will mail them a letter along with the card.

Re: Credit One Credit Card

Anonymous — Sat, 25 Aug 2018 01:12:05 GMT

Thanks for the suggestion. I will do this as well. I apprecate the suggestion.

Re: Credit One Credit Card

Stugotsv10 — Sat, 25 Aug 2018 15:52:09 GMT

I have had WARS with credit one bank... WARSSSSSSSSSS.... They own their collection agency BTW, LVNV funding!!

You will likely get no where with these scum bags, make a BBB report and a CFPB report on them, thats the only way to get their attention

Re: Credit One Credit Card

Anonymous — Sat, 25 Aug 2018 16:41:48 GMT

Glad I closed that card. They even offered me 15% apr for 6 months if I stayed. But in two months I would have been charged and annual fee. Uh no thanks close the card please. But but but, uh no. Lol close it.

Re: Credit One Credit Card

Anonymous — Mon, 27 Aug 2018 18:25:17 GMT

It has been beyond frustrating. You call and tell them your issue and they respond by reading a script which doesn't even make any sense...and with a question you already answered. I just burnt out as I start the calls trying to be positive...end the calls with my blood boiling. I find it interstaing that they state they give you fruad protection and this is what they are known for on thier genric website. LOL

Re: Credit One Credit Card

Anonymous — Thu, 30 Aug 2018 17:53:09 GMT

I have disputed with the CBs but they respond stating it is valid. I have wrote letters to them now with the hope this will help. It has been very challenging to say the least.

Re: Credit One Credit Card

Anonymous — Thu, 20 Sep 2018 11:34:27 GMT

Good luck with the letter....keep us updated..