Sorry to hear - but, it may be a blessing in disguise. Instead of that Credit One card, after your other cards age a few months, you might be able to get something better, like a Discover secured. I don't know your profile so can't really predict anything, but I don't think you're missing out on much with Credit One or anything predatory. Three cards are enough for now. You might also consider a Self Lender secured loan. Good luck!
Someone else might have better insight, but I think a current loan affects your score differently (more) than a closed/paid loan.
No big deal, though. Your three cards should help a lot in terms of moving up to the next tier of stuff as they report positive a few months.
Yes FICO likes to see an installment loan along with a min of 3 revolving credit cards for the rebuild FICO bonus. Isn't too crummy if they approved you. Pull your 3 credit reports and look over them real close. Theres something that isnt matching what you put into the appplication info. A street number could be off and this can happen.
Which creditor did CO try to pull? Which creditors were pulled that didnt have the creditor ask for verification. May land on only 1 of the 3 thats messed up.
I feel your pain, Im sick of it to just get into online banking anymore. Am nearly ready to just have everything mailed and send in checks like I did for decades.