• Report: #982723

Complaint Review: credit one bank

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  • Submitted: Sat, December 15, 2012
  • Updated: Mon, December 17, 2012

  • Reported By: georg15232 — pittsburgh Pennsylvania United States of America
credit one bank
po box 60500 Internet, Nevada United States of America

credit one bank Fraud, Scam, Rip Off, Predatory Lending Internet, Nevada

*Author of original report: credit one

*Consumer Comment: Number 2 is not my post

*Consumer Comment: bad inglish

*Consumer Comment: Class Action My A**

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I have been a credit one bank cardholder for two years.  I paid my minimum balance on time for a number of months.  However, as a result of loss of hours from my employer, I fell behind on my payments.  I called credit one bank to resolve my debt with them.  I asked about their credit counseling services and about how I could make any kind of settlement to avoid compounding late fees. 

First of all let me say, that it is very difficult to understand the phone representatives.  They do no speak english very well.  The supervisors also struggle to speak english.  This makes communication with them quite difficult.  Furthermore, they are not interested  in working out any form of debt restructuring or settlement.  I called the phone number listed on their invoice in order to get credit counseling services and found out that credit one bank does not work with credit counseling services.  Furthermore, when you want to speak with a supervisor you are put on hold for hours at a time.  I am currently trying to find a credit counseling services that will take my case.  I am also considering filing a  class action lawsuit against this "bank" due to their predatory lending practices and their false claim that they provide or cooperate with credit counseling services, as listed on their invoice.

If you are interested in joining me on a class action lawsuit then please respond.

This report was posted on Ripoff Report on 12/15/2012 11:54 PM and is a permanent record located here: http://www.ripoffreport.com/r/credit-one-bank/Internet-Nevada-/credit-one-bank-Fraud-Scam-Rip-Off-Predatory-Lending-Internet-Nevada-982723. 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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REBUTTALS & REPLIES:
1Author 3Consumer 0Employee/Owner
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#1 Author of original report

credit one

AUTHOR: georg15232 - (United States of America)

I have taken on extra work to earn more money.  My complaint/comment is that credit one would not work with me or with the credit consolidation/counseling service listed on their invoice.  That particular credit consolidation service would have assisted me in suspending compounding fees and lowering my interest rate if credit one bank participated with them. 
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#2 Consumer Comment

Number 2 is not my post

AUTHOR: The Outlaw Josey Wales - (United States of America)

 jim from orlando is cloning me again, what a jerk
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#3 Consumer Comment

bad inglish

AUTHOR: The Outlaw Josey Wales - (USA)

They do no speak english very well.

you no write english very well
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#4 Consumer Comment

Class Action My A**

AUTHOR: Jim - (USA)

You don't know what you're talking about.  "Class Action"?  Do you have any clue what that means and why that particular type of action is used?  How have you been harmed?

C1 or any other lender is under NO OBLIGATION to "help" me, you or anybody else by giving any of us an exception to the CONTRACT we signed!  Of course their interest rate is high but that's something you decide upon BEFORE you sign the application.  If you don't like the interest rate, you don't get the card!  They are under ZERO obligation to change the contracted terms after the fact.  You say all this is caused by a cut in hours.  That is certainly understandable.  So called "credit counseling" isn't going to solve your problem.  Going out and getting a part-time job to help make ends meet WILL SOLVE that problem!  Lumping all your bills together and paying less than what you owe is viewed by future credit grantors as equivalent to a bankruptcy!  Are you aware of that?  There is no easy way or magic procedure to get out of debt.  Welcome to the real world and no, I don't work for them.
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