Credit One Bank Put me in collections and ruined my credit for fraudulent charges Las Vegas Nevada

I had a credit card account with Credit One Bank. On December 31 of 2007 I transferred the entire balance of $320.00 with Credit One Bank to my fiance's low interest credit card. I then called and told Credit One that I wanted my account closed. They said to expect a letter of confirmation.

Instead, I received a bill dated January 8 of 2008 with new charges on the card that I had not authorized from a company called "Passport to Fun" and "Your Savings Club". These charges equaled $128.00. When I called Credit One their rep told me to actually call this "Passport to Fun" and "Your Savings Club" and have the charges reversed. I did this and I thought everything would be taken care of. I then received another bill in March with the same charges.

I called Credit One again and again telling them about the fraudulent charges and asking why my account had not been closed. On March 24 alone I called 4 times before I was sent to the fraud investigations phone number where no one answered. I called again and again with no answer. I was finally able to get in contact with someone who I thought was giving me legitimate answers in the first week of April. This rep told me to send a letter disputing all of the charges to their fraud department. I faxed to them the required information on April 4 of 2008 and proceeded to wait.

I then received another bill in May with new late charges. When I try to contact Credit One's customer service number, I am directed to a collection agency that has no idea what is going on with the case. These late charges and finance charges have been accruing since January and now equal $277.59. I do not feel that I should be responsible for these charges since the account was supposed to be closed in January!!

I am now receiving letters from the collection agency. I have tried over and over again to talk directly with Credit One Bank with no luck. I feel that they are ripping me off and that these charges should be absorbed by the company. I am very frustrated and would really like some help. I have also reported them to the Better Business Bureau.

Cindy
Litchfield, Minnesota
U.S.A.