Credit One Horror!

Organiclover1 · ‎10-16-2014

i posted prior about credit one wanting me to send in a Numi form before they activated my card. I went to the SS office only to find out they no longer give out Numi forms, they gave me a paper as proff that they no longer issues those forms. I called Credit One to inform them, they said send a copy of my SS card & Drivers License, I sent it, but they claim they never received it. I just Did the prequalify on the website & this comes up. I never used the card, in fact they never activated it, but they claim I owe $100. What to do?

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10/16/2014

Dear

We are unable to provide a credit card offer for you at this time for the reason(s) listed below:
You have a closed account with an outstanding balance from Credit One Bank.
If you have any questions regarding this letter, you should contact us at:

Credit One Bank
P.O. Box 98878
Las Vegas, NV 89193-8878
1-877-825-3242

Sincerely,

Credit One Bank, N.A.

NOTICE: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, Texas 77010-9050.

Anonymous · ‎10-16-2014

Sounds like they issued you a card- charged the AF/Membership fee- I would call them up or send them something- asking **bleep**- That is ridiculous..

Kenny · ‎10-16-2014

Definitely would find out why this happened and what they can do to rectify this. Did you get an annual credit report and verify if it's reporting as a baddie on your report? Would disputing it help? (Hate that I'm not so knowledgeable when it comes to getting baddies off reports!)

But, when things like this occur.. I always call the company.. and don't get off the line until a solution has occurred. Be tenacious .. don't give up.. maybe they will remove all of that and realize that it was one big misunderstanding?

Take the myFICO Fitness Challenge

Anonymous · ‎10-16-2014

I had major troubles with them a few months ago. I had fraudulent charges that they refused to remove and threatened negative reporting. Their "credit analysts" would call from blocked numbers or a number that was disconnected after the call (something like Google Voice, I guess?) They would also hang up on me if they didn't like my tone or what I was saying. The Consumer Finance Protection Bureau was my best friend during that time. I sumbitted my claim and they took care of the rest. I wish you the best of luck!

Organiclover1 · ‎10-16-2014

I called them & explained the situation and now they say I owe nothing & not to worry. I requested that info in writing. Nothing is on my reports as of today, card never even reported. I'm also worried about the copy SS card & License I sent in the mail, I hope the wrong person has not got ahold of it.

Kenny · ‎10-16-2014

@Organiclover1 wrote:
I called them & explained the situation and now they say I owe nothing & not to worry. I requested that info in writing. Nothing is on my reports as of today, card never even reported. I'm also worried about the copy SS card & License I sent in the mail, I hope the wrong person has not got ahold of it.

That is awesome. RE: the copy of the SS card and license.. i wouldn't worry. Just make sure you're signed up for Credit Sesame & Karma, and Quizzle and you should be covered regarding alerts to changes in your profile.

(Or the 3-bureau score watch from here. I'm just saying it because i LOVE this product. There is nothing like it that with each change you get a new fico score most of the time. Love it. lol)

Take the myFICO Fitness Challenge

Involver · ‎10-16-2014

Yet another reason to stay far, FAR away from Credit One.

Dw4250 · ‎10-16-2014

@Involver wrote:
Yet another reason to stay far, FAR away from Credit One.

Amen.

There was a thread a few days ago advocating using Credit One as a "free EX Credit Report" site (apparently they are known to reject those whose scores are >700). This seems like lunacy to me as they are known to be bottom feeders in the credit world. Can you imagine getting stuck with this crappy card and/or a hefty AF just because you wanted a current EX score? Yikes!

OP sorry this happened to you. Good luck on getting this resolved and as Involver states, stay away from these guys.

14Fiesta · ‎10-16-2014

@Dw4250 wrote:
@Involver wrote:
Yet another reason to stay far, FAR away from Credit One.

Amen.

There was a thread a few days ago advocating using Credit One as a "free EX Credit Report" site (apparently they are known to reject those whose scores are >700). This seems like lunacy to me as they are known to be bottom feeders in the credit world. Can you imagine getting stuck with this crappy card and/or a hefty AF just because you wanted a current EX score? Yikes!

OP sorry this happened to you. Good luck on getting this resolved and as Involver states, stay away from these guys.

You wouldn't. The score comes from their "Pre Qualify" application, which is an SP and even if they offered you a card, you would have to actually accept it via application.

EX FICO (AMEX): 728 (4/29/17) | TU FICO (Discover): 737 (4/7/17) | EQ FICO (Citi): 746 (3/28/17)

Billybob_TX · ‎10-16-2014

@14Fiesta wrote:
@Dw4250 wrote:
@Involver wrote:
Yet another reason to stay far, FAR away from Credit One.

Amen.

There was a thread a few days ago advocating using Credit One as a "free EX Credit Report" site (apparently they are known to reject those whose scores are >700). This seems like lunacy to me as they are known to be bottom feeders in the credit world. Can you imagine getting stuck with this crappy card and/or a hefty AF just because you wanted a current EX score? Yikes!

OP sorry this happened to you. Good luck on getting this resolved and as Involver states, stay away from these guys.
You wouldn't. The score comes from their "Pre Qualify" application, which is an SP and even if they offered you a card, you would have to actually accept it via application.

Exactly, nobody ever makes you hit the application button.