My name is Jay Burton. I recently was granted a credit card account with Credit One Bank. My account number is :
4447-9621-8157-1146 . My phone number is " 757-748-5843", my e-mail address is "[email protected] " . My current address is:
" 7427 North Shore Road-- Norfolk, Va. 23505 ". On July 3o, 2010, my minimum balance due was " $25.00 ". I made a " $75.00" payment,
and with the express payment, additional fee of " $9.95 ", which made the total amount of my payment " $84.95 ". I requested that this payment be debited from my " SAVINGS ACCOUNT ", and was given the confirmation number " 446215078258 ", after confirming twice, the exact amount, and the from my" SAVINGS ACCOUNT ". The next day, I logged on line to the " Creditonebank " website, and did infact have the available credit amount of " $75.00 ". I went out of town a few days. I took my grandson to a fast food resturant, and attempted to charge " $5.35 ", and the employee in drive thru told me my transation was " declined ". I fortunately had enough money in my pocket to pay for my grandson's order. I instantly called "Creditonebank", customer service, and was very rudely told my payment was returned for "NSF", the money was not available in my account.I responded, if attempts were made through my checking, instead of savings, then the funds would have been available.I was told attempt was definitely from my savings account, and I needed to make a payment "ASAP"
I went "CHARTWAY FEDERAL CREDIT UNION", and was told Creditone, did indeed attempt payment from the checking account, and was charged "$29.00" "NSF".I was also charged "$35.00 late fee", and "$35.00" returned payment fee, from Creditonebank, who refused after 50 minute phone call, and being transfered 6 times.They apologized, and understood, and would deduct the late fee, not the $35.00 returned fee, nor the $29.00 "NSF" CHARTWAY FEDERAL CREDIT UNION, charged my account. I did offer to fax my bank statement to verify the
funds were indeed available in my "SAVINGS ACCONT", on August 2nd, 2010 when the attempt to withdraw funds.

Thank you,
Jay C. Burton

One May 24 and 25, 2010 I made three attempts to pay $500 on my Credit One Bill. The first two attempts were on-line and both indicated they failed. The third attempt was by phone and went through. In truth the second and third attempts went through, completely depleting my bank account; I had left $500 in the bank account as I was leaving town for a few days and would need to use my ATM. In the interim, using my ATM card for minor purchases, my account had been wiped out by credit One. Then a $10 fee was levied against my account when funds had to be transferred from my savings account to cover the ATM charges.

I called Credit One Bank as soon as I realized what had happened. I was furious and felt duped. I demanded they immediately transfer one of the two deposits back to my bank account. I spoke first with Annie Anderson, then with Mack Miller, both of whom had Middle Eastern Accents. Both told me the funds would be transferred in 48 to 72 hours. I told them that was preposterous, the money is mine, they wrongfully took it and I want it back today; that's good business!

They both held their party line. I asked to speak with Mack Miller's supervisor and was put on hold for about half an hour, maybe forty-five minutes, his supervisor, William Jones was unavailable to speak with me. I asked repeatedly if these where their true names and was assured they were. I do not believe these are their true names. I do not believe they can't transfer my funds back to me today!

I told them if I cannot talk with William Jones, I would like to talk with their Board Member, Robert DeJong. I was put on hold for another protracted period of time. When Mack Miller returned to the phone he said he had asked to be approved to transfer the funds to me today, but he did not yet know if that action was approved. He assured me he would call me back within one hour.

He has still not called me back and it has been almost two hours.

I know that when you begin to take the steps to repair bad credit because of poor choices in the past, you have to face obstacles such as high APR's, low credit limits, and upfront fees; however, one experience you should never have is poor customer service. I opened an account with Credit One Bank less than six months ago. I am in good standing financially, but my credit is poor, so typically I will charge something on the account and pay it off within the same month just to create good credit history. My two biggest complaints with this company are the website and the customer service department. The website doesn't update itself like most credit card websites, there are fees to pay your bill online, and they are always trying to get you to sign up for optional programs, even calling your home to make sure you are aware of their offers. When you make a payment online, it doesn't show as pending, so many months I have made a payment, and was nervous a few days later when it wasn't showing a payment had been made. So then, I have to call customer service...

Oh customer service, how I wish you could do better. I am a Customer Experience Manager for a major security company in North America, so I am always observant of the good, bad, and ugly when it comes to how other companies provide service in person and over the phone. I have high standards personally, but still try to interact from the perspective of the common man. So, recently I have been getting calls from Credit One Bank with a recorded advertisement for a credit protection program. Tonight, I decided to stay on the line to see if I could speak to someone about flagging my account so that I would not be called any more. The lady on the line...well, let me first say, I am a Mexican American, very proud of my heritage, and enjoy the fact that America is full of various cultures; however, when you live in America for an extended period of time or are born here, you understand, truly, how Americans speak to one another, conversationally. So, when I speak to someone at a call center that I know is not located in the U.S., that piece of my experience is missing. No matter how hard that representative tries, the American connection is not there, and when you are dealing at times with technical and detailed matters, it is imperative that the conversation be easy and fluid. Needless to say, the Credit One Bank call center is not located in the U.S.

So, here is the breakdown:

1. First lady I spoke to would not listen, went ahead and enrolled me in the credit protection program, even though I told her not to numerous times, and pretty much hung up on me before I could verify with her what changes had occurred on my account.
2. Called the credit protection department back within 1 minute of the previous call and received a recording saying they were closed. I laughed. It's funny, really, it is.
3. Called customer service and the young lady advised that the credit protection department was open, and that she would need to transfer me. I was transferred, and quickly heard a recording that they were closed. I ate some pizza and laughed again, maybe not as much as the first time.
4. Called customer service back, and spoke to my nemesis, "Amber", which by the way, isn't her name. It just isn't. I tried to tell her about my issue, and she said that she couldn't help and that I needed to speak to the credit protection department. I asked to speak to a Supervisor, and she told me no, and continued to emphasize that I needed to talk to the right department and that they were in fact open. I told her she was misinformed, that they were in fact not open, and again requested a Supervisor. She placed me on hold and came back advising that THE Supervisor, I guess there was only one, was on the phone with another customer and I would need to call back in an hour to try again. I asked if the Supervisor could just call me back when she was available. Amber was not on board with this idea. So, I then gave the option to just hold on the line, so that when the Supervisor was available, I could just be transferred over. Amber must have really not liked that suggestion because she hung up on me. Oh Amber, why do you have to be like that?
5. Called back and spoke to a much nicer gentleman, and asked to speak to a Supervisor. He asked what the issue was regarding, I told him, and he placed me on hold. He came back in less than a minute, advised that ALL of the Supervisors were busy, but he could take down my name and number and someone would call me back shortly? I must tell Amber this good news. I gave him the information and hung up, ate some pizza, and waited.
6. Less than 5 minutes later, I received a call from a Supervisor, who listened without interrupting, apologized, advised the calls would be reviewed and that Amber would be reprimanded "severely", and offered his assistance for any further questions. I asked if he could tell if I was enrolled in the credit protection program, my original question 800 calls ago, he said I was not. I asked him what the direct number was for the credit protection department, he gave it. And, I then asked what the hours were. He placed me on hold, came back, and said, "Thank you for staying on the line. They are open from 8am-8pm EST." I thanked him and ended the call.

So, you be the judge. Could all of my questions been handled with the first call? How can a department call me to enroll me in something that I don't want, when they technically aren't open? The original call to my home was at 7:33CST. I live in Texas. These are the mysteries of the world. I do know that this is strike two for Credit One Bank. I had a previous billing issue that invaded my time and day off, and it took forever to resolve. One more strike, and it's curtains for this card. I have built my credit up enough with other companies, so to lose this one, while I do love the look of the card, would not be detrimental to my financial soul or credit score.

Be warned future cardholders. Do your research before you make a final decision. Be prepared, and be firm. You are in charge of your credit, your finances, and your life. I hope someone finds this helpful, or at least entertaining...

Paid Credit One off now Resurgent Capital Services is trying to collect the same amount that I paid off to the credit card company.

I noticed an invalid charge on my account dated 11-23. It was posted on a statement dated 11-25. I called on 11-27 to tell them that this was a fraudulent charge and the lady who helped me insisted that this charge was not processed yet as she did not even see it in the "waiting for process" charge area. I explained it was on my statement, and she continued to insist that it hadn't been charged yet and to wait a few days and call back.

I reviewed the charge online and it was in fact on my charge card statement dated 11-25, so I called back to initiate a dispute. The person there tells me to copy my statement, circle the disputed charge, and fax it, as it indicates on the back of my statement. I asked him to initiate the dispute by phone and he said he cannot. When I insisted on speaking to a manager, he put me on hold then told me to call back in a half an hour.

I told him I would close the account if he could not put me in touch with a manager within 15 minutes, and I would gladly hold. He stated I could not hold, but he would help me close my account.

I gave him my phone number and told him that I wanted a manager to call back within 30 minutes, or the next call I made would be to close my account.

Of course, no call...

Sad part is closing the account hurts MY CREDIT Rating...

DO NOT SIGN UP FOR A CREDIT CARD WITH THESE PEOPLE...