I let my boyfriend make a payment to my account. He over pays, Credit One Bank freezes my account without any notification. Mind you that I am signed up for the internet account maintaince and when I called I was told that they were waiting for confirmation form the bank, that the check had not cleared and then it would be 2-3 days and I would be able to use my card.
June 1st, the card was to be released which is fine it is my daughters birthday it will be good. NO bad day, I called the card was declined because they had completly frozen the account and all I had to do was get the bank on 3-way and they would relase the funds. So I call the bank, not only will it be okay to 3-way with Credit One, but their check was cashed!
Now I have to call back Credit One and get the bank on. Nope the repersentive said she could not do that the supervisor said no it would have to be faxed. Faxed by the bank that day and continue with some of my daughters birhday plans. Monday they don't have it and now I am informed that it would be 7-10 bussiness days!!!! Then I was told that if he wanted to pay my card then next time deposit the money in my account and I write the check because they do not accepct 3 party payments.
I did become irate, and let that supervisor know that this is now theift. Also there is nothing in the customer guide lines that states Credit One does not accepcet 3 party payments. So a few calls later, the bank confirmation being faxed 3 times, I still can not use this card. They cashed a check they said they would not accepct in the first place and will not relase the money.
I can't get to it at all in any way and of course since they forze the account I can't even close it out and let them send me a refund check.
Do not ever do business with this company, their reps don't know how to resolve anything or look up information. So today makes the 9th day and I called again and informed them they are comming up on the 10th and when they do I will be on the phone with a lawyer.
I will bring a lawsuit that contains all the proper information they need to disclose on all paper work so if some parent, boyfriend, girlfriend, family member, friend, or boss wants to pay your card for a going back to school gift or because all the running around you have done was on your card, does not even attempt to make a payment. This was a gift to me for going back to school and all the running around I do.
One more thing before I go, the funny thing is is that I can make a payment on anyones phone bill with out this hassel, or power bill or insurance bill or medical bill or mortage or loan. Anyone can but not to Credit One Bank.
Jessica
Cheyenne, Wyoming
U.S.A.