Credit One Bank Complaints

514 days ago by Pissed Off [send email]

I agree... This company is a major rip off!!!! I swear something is not right with this company... First off every time i make a payment on their website they charge me an additional 5.95.. Then they claim that i never sent a payment in.. But i know i did because they always give me a confirmation number... Then they claim that my bank declined the transaction because i never had enough funds in my account. So i call my bank to see if credit one attempted to debit a payment from my account and my bank says no and if they did i should have had or had way more then enough to cover the payment that i did try to make. Then i call credit one bank then they try to tell me that i gave them the wrong account info thats why it wouldnt go through... The same account number that i used to make a payment the previous month which is already stored in their website... I cant see how it went through the previous month and not the next month when all i did was click "use the same payment method as last month". Then on top of that they want to charge me.. What i think was a $24.00 fee because i was late even though it was a mistake on their part.. These people cant get their story straight. I tried to give them another chance and the next month after that the same thing happened. Sooo... I decided to finally close my account because they were ruining my credit... Being that i was late almost every month... And it wad not due to that fact that it was my fault but theirs.. So i called to close the account and i paid off my balance... Atleast i thought i did... And guess what??? They say my account is closed but again i never made a payment and i know i did. Because i personally called their number on the back of the card... And spoke with one of their very rude reps... Who gave me a hard time about me closing the account then i told her i wanted to pay off my balance... She took down my bank account info so she could debit the payment... And she proceeds to tell me that until my account is paid in full i will still accrue interest on my balance... So i said ok then that shouldn't be a problem cause i wanna pay it off... She said that whatever payment i made will cover the balance including all fees... So now they are calling me again from 8 in the morning till 8 at night calling every 10 min on my cell phone telling me that im late on my payments... At this point im not even answering my phone anymore because it seems like all im doing is yelling back and forth with one of their reps who does not seem to know what he is doing nor understand what it is im saying. And he keeps saying" if u have money why you no make a payment now why you no make the payment now" . I feel like saying ( pardon my french ) but "dumbass i already did." the last time this happened they told me that my payment were going to be debited twice because they might have put in the transaction twice. Once when i already put the payment in which they claim they never got and again because they needed another payment now.. Because according to their records i was 7 days late. Im really pissed offf cause the account should have been paid in full about a month ago... And they're telling me that i never made a payment again... So now i have to call my bank again and figure out what is going on.. And i know they are going to tell me the same thing... " that credit one bank never tried to debit any payment from my checking account" ... I am sooo upset! Because now this company have added more fees... Late fees... Interest... Blah blah blah because they claim that i never made a payment .. And again... I know i did! So they added another $50.00 well actually 47 something dollars in fees for something that isn't my fault... I think they are doing it on purpose to make some extra money in feeesss... Now my balance is 47 dollars more then what it originally was when i thought i paid it off... I am pissed!!! What a rip off!! And on top off that all off the customer service reps that ive talked to are all rude!!! Kindda seems like they are always harassing me... Calling me every 10 mins... And every time they call they always seem so hyper with a bad attitude... What is wrong with these people? They are driving me crazy. So instead of fixing my credit, the original reason why i got this card to begin with... They have ruined it... Am i wrong for being this upset?

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