- Report: #839436
Complaint Review: Credit One Bank
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| Credit One Bank P.O. Box 98873
Las Vegas, Nevada United States of America |
|
Credit One Bank sent me a bill for $75 the same day they sent me a suspension notice Las Vegas, Nevada
*Consumer Comment: Charles, get a grip on reality!
*Consumer Comment: I will never understand why people want to be mean and say the most horrible things to me and say i don't know anything the ftc has bad employees
*Consumer Comment: You are not dealing in reality
*Consumer Comment: Kristen
*Consumer Comment: Charles- Be silent and Listen
*Consumer Comment: Credit One Bank/FTC
*Consumer Comment: The ftc is anti consumer the same kind of people on this site also the same type like the ftc employees who are rude and hateful to people i will never understand why people are against fairness
*Consumer Comment: The FTC does not represent individuals. Doesn't work that way.
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Credit One Bank is a credit card company everyone should avoid. They took 3 weeks to finally send me my card. Upon receipt, February 9, 2012 I immediately activated it. Four days later, February 13, 2012, They sent me a suspension letter due to incomplete information at the same time they sent me credit card statement saying I owed $75 for the annual fee. I was very surprised and I immediately called their number which only routes you to another country never allowing me to speak with an American.
To make a long story short they told me I was responsible for the $75 even though I have never used my card and they immediately suspended it the day it was activated. It seems as though they are doing the same thing to a lot of people to get $75 out of them. For everyone that is experiencing the same problem you should immediately contact the FTC (Federal Trade Commision). Their number is 877-382-4357.
You should also go on line and to www.consumerfinance.gov and click on credit card complaints. The FTC will contact Credit One Bank in 15 days from the receipt of your complaint and Credit One Bank has 15 days to respond. If they do not then the FTC does a further investigation. If enough people do this, this company can get fined heavily from the FTC and possibly put out of business. Good Luck to all that have struggled with this terrible company.
To make a long story short they told me I was responsible for the $75 even though I have never used my card and they immediately suspended it the day it was activated. It seems as though they are doing the same thing to a lot of people to get $75 out of them. For everyone that is experiencing the same problem you should immediately contact the FTC (Federal Trade Commision). Their number is 877-382-4357.
You should also go on line and to www.consumerfinance.gov and click on credit card complaints. The FTC will contact Credit One Bank in 15 days from the receipt of your complaint and Credit One Bank has 15 days to respond. If they do not then the FTC does a further investigation. If enough people do this, this company can get fined heavily from the FTC and possibly put out of business. Good Luck to all that have struggled with this terrible company.
This report was posted on Ripoff Report on 02/15/2012 08:29 AM and is a permanent record located here: http://www.ripoffreport.com/r/Credit-One-Bank/Las-Vegas-Nevada-89193/Credit-One-Bank-sent-me-a-bill-for-75-the-same-day-they-sent-me-a-suspension-notice-Las-V-839436. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Search Tips#1 Consumer Comment
Charles, get a grip on reality!
AUTHOR: Southern Chemical and Equipment LLC - (USA)
SUBMITTED: Sunday, March 11, 2012
Charles,
I think you need to get a serious reality check, and then take a look at the job descriptions of the people you say are "bad employees", etc.
The FTC is not there to handle individual complainst or to represent you. That is not their job description, and they have no legal authority to do so.
Get some education before spouting jibberish.
And lose the persecution complex. There is no conspiracy against you. You have serious mental issues and need to just get a grip.
>>
I will never understand why people want to be mean and say the most horrible things to me and say i don't know anything the ftc has bad employeesAUTHOR: Charles - United States (USA)SUBMITTED: Saturday, March 10, 2012POSTED: Saturday, March 10, 2012
I will never understand why people want to be mean and say, the most horrible things to me. The FTC has bad employees who speak very abusive toward people.
Respond to this report!What's this?Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
>>
I think you need to get a serious reality check, and then take a look at the job descriptions of the people you say are "bad employees", etc.
The FTC is not there to handle individual complainst or to represent you. That is not their job description, and they have no legal authority to do so.
Get some education before spouting jibberish.
And lose the persecution complex. There is no conspiracy against you. You have serious mental issues and need to just get a grip.
>>
I will never understand why people want to be mean and say the most horrible things to me and say i don't know anything the ftc has bad employeesAUTHOR: Charles - United States (USA)SUBMITTED: Saturday, March 10, 2012POSTED: Saturday, March 10, 2012
I will never understand why people want to be mean and say, the most horrible things to me. The FTC has bad employees who speak very abusive toward people.
Respond to this report!What's this?Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
>>
Respond to this report!
What's this? #2 Consumer Comment
I will never understand why people want to be mean and say the most horrible things to me and say i don't know anything the ftc has bad employees
AUTHOR: Charles - (USA)
SUBMITTED: Saturday, March 10, 2012
I will never understand why people want to be mean and say, the most horrible things to me. The FTC has bad employees who speak very abusive toward people.
Respond to this report!
What's this? #3 Consumer Comment
You are not dealing in reality
AUTHOR: Robert - (U.S.A.)
SUBMITTED: Saturday, March 10, 2012
You have several misconceptions/mis-statements, but there are a couple that stand out.
found out creditone bank put it back up for collections 10 months after the OCC handled it
First of all you stated you received this card in Feb 2012, it is only March. So how could all of this happen after 10 months when it has barley been a month?
Creditone bank has cost me a home loan and ruined my credit that I had built up,they sent my card to 3 differnt collections agency's
- Credit one is a Sub-Prime card, if you are relying on this card to "build your credit", you are no where near being able to qualify for a home loan.
I also noticed that you said that they sent you a "suspension" letter for "incomplete" information, and nothing about the account being closed. So exactly what information was missing that sent you into such a fuss?
What is the entire story?
found out creditone bank put it back up for collections 10 months after the OCC handled it
First of all you stated you received this card in Feb 2012, it is only March. So how could all of this happen after 10 months when it has barley been a month?
Creditone bank has cost me a home loan and ruined my credit that I had built up,they sent my card to 3 differnt collections agency's
- Credit one is a Sub-Prime card, if you are relying on this card to "build your credit", you are no where near being able to qualify for a home loan.
I also noticed that you said that they sent you a "suspension" letter for "incomplete" information, and nothing about the account being closed. So exactly what information was missing that sent you into such a fuss?
What is the entire story?
Respond to this report!
What's this?
"They sent me a suspension letter due to incomplete information"
Did you provide the additional information they needed so your account can be reactivated?
Did you provide the additional information they needed so your account can be reactivated?
Respond to this report!
What's this? #5 Consumer Comment
Charles- Be silent and Listen
AUTHOR: Righteous1 - (USA)
SUBMITTED: Saturday, March 10, 2012
Your problem Charles is you have far more ignorance stuck in your ears then you do knowledge of how consumer rules/regulations/rights work. Get yourself educated and then be silent. I cringe that such persons who now have internet access still refuse to be educated on what the FTC can and cannot do for the INDIVIDUAL.
Like it or not when a credit company has an annual fee and you consent to the terms, guess what,pay up! Closing it on there part requires proper and accurate reporting to the Credit Bureaus.
The OP's complaint may be true on the opening and closing and fee. After that the information gets muddied and sadly people "assume" things without doing the homework.
Like it or not when a credit company has an annual fee and you consent to the terms, guess what,pay up! Closing it on there part requires proper and accurate reporting to the Credit Bureaus.
The OP's complaint may be true on the opening and closing and fee. After that the information gets muddied and sadly people "assume" things without doing the homework.
Respond to this report!
What's this? #6 Consumer Comment
Credit One Bank/FTC
AUTHOR: patricia509 - (United States of America)
SUBMITTED: Saturday, March 10, 2012
I tried to get the OCC to go after CreditOne bank again,I found out once the OCC got CreditOne Bank to close my account/Card I thought know I can start to rebuild my credit-wrong.I did a free credit report and found after the OCC got my account closed and they told me in a letter from CreditOne that my account was closed and they told all 3 credit agency that my account was taken care of I found out creditone bank put it back up for collections 10 months after the OCC handled it so I contacted the FTC and there looking into it and will assign someone to my case.Creditone bank has cost me a home loan and ruined my credit that I had built up,they sent my card to 3 differnt collections agency's.These people need to be shut down.i want everyone who has a card with them to call in your complaint to the FTC.
Respond to this report!
What's this? #7 Consumer Comment
The ftc is anti consumer the same kind of people on this site also the same type like the ftc employees who are rude and hateful to people i will never understand why people are against fairness
AUTHOR: Charles - (USA)
SUBMITTED: Wednesday, February 15, 2012
I will never understand why people are against fairness. This is the same way i have been treated when i report how i been done wrong. People try to keep me silenced. I refused to be silenced.
Respond to this report!
What's this? #8 Consumer Comment
The FTC does not represent individuals. Doesn't work that way.
AUTHOR: Southern Chemical and Equipment LLC - (USA)
SUBMITTED: Wednesday, February 15, 2012
I don't know where you got the idea that the FTC will investigate your individual complaint.
They simply do not do that.
The FTC does not represent consumers on an individual or case by case basis.
The FTC will simply archive your complaint for statistical purposes for POSSIBLE future action by state or federal agencies, or lawyers in class action cases, etc.
The consumer is responsible for enforcing their rights under any FTC rule at their own time and expense.
The 15 day thing is what really got my attention. Where, exactly did you get that from?
It certainly was NOT from anyone at the FTC.
I have been dealing with these issues for many years and can tell you that the FTC is a toothless tiger when it comes to any kind of actual consumer protection or enforcement.
Better re-check your "facts".
They simply do not do that.
The FTC does not represent consumers on an individual or case by case basis.
The FTC will simply archive your complaint for statistical purposes for POSSIBLE future action by state or federal agencies, or lawyers in class action cases, etc.
The consumer is responsible for enforcing their rights under any FTC rule at their own time and expense.
The 15 day thing is what really got my attention. Where, exactly did you get that from?
It certainly was NOT from anyone at the FTC.
I have been dealing with these issues for many years and can tell you that the FTC is a toothless tiger when it comes to any kind of actual consumer protection or enforcement.
Better re-check your "facts".
Respond to this report!
What's this? 
