Credit one Bank Robert Dejong, CEO Predatory Credit Card Scam Las Vegas, Nevada

 Tell me then, how do you explain Credit One Bank taking all my personal information and approving me for Credit card in 2007. Again in 2017. And in both occasions I've never received the card. And according to their site they are both approved waiting to be mailed?? No where in the fine print does it tell you they are scamming to just obtain your personal information for theft, to sell or whatever other illegal reason they may have to falsely claim you have been approved when in fact there is no attempt ever made to actually mail your card to you. Explain this to me.

I had a credit one bank card and went to the occ and file a complanint after they refused me to use my insurance to pay off my card or make payments while I was under going chemo.I went to the OCC and they got my card payments up to date and cancelled by using my insurance,I had a 0 balance then 6 months or so had gone by after I had the letter from the OCC saying zero balance I received a letter and several phone call from a new collection company who bought my closed account and was trying to collect on this dept which was a zero balance.The OCC now refuse to get involved again and told me to go to the FTC and file a complaint.The mean time my credit is damaged and I couldnt get my house loan.Credit One bank needs to be shut down in a class action lawsuit.

This morning I phoned on my husband's behalf Credit One Bank in Las Vegas, NV. I asked to speak to Mr. Robert Dejong, the CEO. I was on hold for four minutes. A Consumer Representative for the credit card division came on the line. I politely told her the concerns. She countered with the fact that they are in good standing with the OCC, BBB, and other organizations. She firmly denied that this credit card solicitation is a scam targeting the needy or senior citizens.

She was professional, not rude and seemingly concerned about our situation. She did offer to cancel the account which we did. She said there will be a final bill, and then it will be a zero balance and no longer an issue.  My husband had to give her permission and identify himself before she talked  with me. I told her that many years a go I had a similar experience with Capitol One; they failed to zero the account, saying I owed a balance of  10 cents! They ran up late fees, and additional charges to over 150 dollars. I had sent them a dime over and over.  So I finally addressed it with the legal department, and they waived some of the fees. I kept sending them a dime. I also got them to leave me alone, but they put it on my credit report. I disputed their claim. It is a predatory practice and the Credit One Representaive claims, they do not do this.

Credit One Bank is located at 585 Pilot Road, Las Vegas NV 89119-3619. The switch board number is 702 269-1000.

I am very pleased they were so willing to help!

In your rush to accept the card, you obviously failed to read the inserts that came along with it.  Their fees (which are really high) are clearly explained in the pamphlet that accompanied the application.  I get those pre-approval offers all the time, and they're all the same: application, statement of fees, and a disclaimer that you may not receive the credit line you anticipate based on a further review of your credit report.



While it's sad that this happened to you, perhaps it will provide a valuable lesson in reading EVERYTHING before you accept.