credit one bank portfolio services Ripoff las vegas nevada

This is a terrible company. I was a customer for over two almost two year (since 8/8/12 to 02/23/2014. I had a mastercard a.By January 2013, I made a payment in full For US 460.00 but number was of my bank account was wrong or mistake by Credit one when they process the payment , therefore the payment where return. Credit one charge for this operation a returned fee of 35 ..  charging the annual fee of 79 dollars and close my account 

Giving me days to 30 days to pay in full. Several times I tried to call Credit one to solve the problem but no body give the an answer.

Finally i paid before the 30 days US 460... but becouse the 35 and the 77 dollars this amount increased
When I did this, Credit One unbelievably closed my account . They transferred from one representative to another informing that they could not reopen my account, but instead invoked their collections department to obtain payment. The terrible thing is that my bank , showed that I made payment.. Not only that ,Credit One close my account they report as a Charge off in my credit report .