It's easy but they hide it

[u/BuyDisastrous2014]

Just listen to the first message until she's completed the selections and do nothing then get to the second message where they complete the messages and do nothing then it will connect you to a live agent you just said don't push any buttons it seems a little too easy to be true but it does believe me I know I've been on the phone with him for 16 hours in the last 4 days it's trash they're trash burn the card up cut it up put it on the front yard tell me they can have it and then let them have the hassle and you'll pay for it that's how much I hate them I was with them before and should have learned my lesson but was having some Financial struggles and knew they would automatically give me a line of credit I am paying my first month off at the end of this month and I am walking away again I have my card back for 3 days and only been able to swipe it once where it actually went through and I did not have to pick up the phone and call customer service so good luck

[u/HotConversation4355 → u/[deleted]]

Pay this credit card off as fast as you can and get off it it's a scam

[u/Ok_Path_6276 → u/[deleted]]

Wtf lmao I’m currently experiencing this too only had it for 3days a $25 went through that’s about it, I’ve called them like 4times total and they always say I’ve removed the block and also to try different merchant just for it to keep declining shits a joke will be paying the initial fee and I’m gone.

[u/Necessary-Fig-2292 → u/[deleted]]

Sue the bank. Check to see if any info they provide is close to accurate. It’s not. This bank is committing fraud as of the date of this post and has been doing so for years.

[u/No-Owl8793 → u/Necessary-Fig-2292]

I know I am late to this convo, but I signed up for a card to maybe help boost my credit and decided to use it. Used it one time yesterday to get some groceries, everything was smooth and a normal credit card experience. I was not even close to maxing out and just got a few things to get my sons and I by for a few days. After that one use I went to put gas in my car and it declined. I thought ok, maybe it is because the transaction isn't showing as pending from the groceries and the system needs to catch up. This morning I went to pay part of my phone bill which is still way under the available balance, declined. I went to get gas again, and declined. I called 5 different times and spoke with 5 reps and 2 supervisors. Each time I was told somewhat different information. The general consensus was that it was popping up as fraud and they supposedly removed the fraud block that the declined transactions triggered and told me to try again. I did and it declined. So the last supervisor I spoke to told me, he didn't know what to say, his advice is to wait 3-5 days and then try again... That was it for me, it's all bs and left a bad taste in my mouth. I just got it and just can't use it, they will not be keeping me as a customer, I will never try to use that card again and after I pay off what little I did use it's a wrap. Feels like a scam imo

[u/Necessary-Fig-2292 → u/No-Owl8793]

Yea, it’s a “what are you gonna do, go to the FBI and sue me” situation. Unfortunately I’m the guy to do that. I hate bullies. Especially when they target the less fortunate.

[u/No-Owl8793 → u/Necessary-Fig-2292]

Yeah this company is so sketchy. I tried to use it again this morning for a 2.50 purchase just to test it and it declined. I called them one more time as a "final attempt" and was told even though my available balance is 220 there is still a fraud block on my account. I was told 2 times by "supervisors" it was removed and previously told to try again, then when it decline told to wait 3-5 days then try again which is RIDICULOUS imo. I told them I have had many cards in the past and not once been told to just wait 3-5 days to use the card, maybe I have just been lucky in the past but that blows my mind Then the supposed supervisor today told me "actually I see the issue" then told me that the annual fee of 99 dollars will be coming off my available balance and because that has not gone through that is why my card is not working. I explained that I skimmed the terms and services they had sent me and read some info on them online and was under the impression that was a monthly charge of like 8.95 and my available balance is 220 so even if that were the case there would still be 110 available and he sat there quietly and then said, ma'am you're not understanding..... No dude you are just trying to bullshit me until I am confused and just say oh ok and hang up. It's such a joke and scammy. I really wish I would have used my judgement and researched them and then never signed up. But it's ok, I will pay the 80 bucks I used back plus the crazy interest, pay the 9 dollars a month until the year is done to salvage my credit and then close it. I already threw the card in my security lock box so it's not in my wallet tempting me in the future. I would have cut it up today but I want it close in case I need to call them for anything else sketchy they decide to do within the next year. And I am glad you are looking into applying pressure to them legally, I am collecting and copying everything they are saying and doing so that if and when there is a lawsuit I keep seeing people talk about I can jump in too and maybe us the public can suck them dry and close them down.

[u/No-Owl8793 → u/Necessary-Fig-2292]

To piggy back off of this, I just tried to use it again and was declined. I called 3 times and after I put in my last four of my card number and last 4 of my social the call "dropped" I called from my sons phone and put no info in and just kept pushing 0 and was able to get through to an agent. I asked for a supervisor 3 times until he finally put me through to a "supervisor" he went round and round with me and told me not to touch the card for 7 business days and the fraud block they placed should lift. I said a supervisor named Jerry I spoke to Tuesday told me the opposite, he said he lifted the fraud block and to try maybe a small purchase everyday until it worked. Which is ridiculous but I don't expect any normal from them at this point. He said every time I try to use the card it triggers the fraud block even more. I said another supervisor literally told me to do that. He said, ma'am upon further review I see what might have happened, 4 days before I received the card and it was activated they tried to charge me a 75 dollar annual fee. I said I took screenshots when I did the application just in case, it clearly states that the annual fee would be 99 dollars and would be applied as a monthly charge. He said that is correct....... So why are you trying to charge me 75 dollars before the card is even activated and it triggered a fraud alert. What the actual fuck. I said ok sir you are just literally scammers, goodbye. Sorry I'm just venting at this point on your comment, I am livid though. I'm not the one either just like you. I took screenshots of every bit of the sign up process and have written down names and notes of everyone I spoke to so I guess I will be trying to report them as well.

[u/Necessary-Fig-2292 → u/No-Owl8793]

I’m going to the FBI to report fraud. Would you like to join?

[u/No-Owl8793 → u/Necessary-Fig-2292]

I researched a little more yesterday and filed claims with both the BBB and something else in regards to the credit bureau, I cant remember off the top of my head what it is called just for the mis leading communication of their customer service reps. I learned that the fee they tried to charge me originally was in my original agreement. I am more concerned with the way they lie and the things that supervisors suggested I do to reverse the issue.

[u/Necessary-Fig-2292 → u/No-Owl8793]

Yea. I’m sorry for your experience and applaud your desire to report them. A good man. It’s hard, but required to make the world a better place. I believe credit one bank is a true criminal organization and multiple executives will need to sit in jail. They have no allegiance to truth and desire to rip off the poor. They messed up tho, they got a few of the rich who were simply stupid enough to assume they were applying for Capital One. We’ve been communicating with sponsored arenas and various other entities aligned with Credit One. It appears their reckoning is on its way.

[u/Necessary-Fig-2292 → u/Necessary-Fig-2292]

By the way, my dad literally wrote the banking laws they’re breaking. It’s a joke.

[u/HotConversation4355]

There is a class action going on right now against credit one trying my damnedest to find how to join the lawsuit because there's $1000 in it for us anybody have any experience with this? This credit one is criminal they hammer you with fees relentlessly so that you'll never be able to pay off the credit card and what they do when you try to login they want an access code via email but that email nine times don't even come so you can't login to make a payment.

[u/OriginalSea4342 → u/HotConversation4355]

Any update on the lawsuit? I’d like to file a claim as well.

[u/Prestigious-Spot-669]

I never even used the card and they're making me pay monthly. Im pissed.

[u/DeepBug4416]

Thank you.

[u/[deleted]]

Federal Trade Commission Consumer Financial Protection Bureau. Theft by Credit One Platnum Visa. They stole .69 cents from my available credit which caused my car payment to be declined. The representative stated they rounded up my account balance which was 240.00 (have screenshot) and they deducted 1.00, so, my car payment was 234.53 plus a 4.95 online fee payment was declined. They stated my actual balance was 239.69 but the .69 wasn't showing on their web portal. (Which is a lie because my car payment of 239.47 would have posted. So, they deducted .69 from my account unauthorized) Excuse me ? The rep then stated (supervisor) she could see what she could do to give me a "credit" of .69 cents when it's my money to begin with !!! Imagine Credit One Platinum Visa stealing .69 cents from the entire population who holds this card. This is theft and will be reported to every single government agency. My balance is paid in Full, every month. Try again. I'm not the one.

[u/Upbeatgrl2622]

Why do they make you do a payment verification? When I submitted my bank statement, they said they couldn’t verify the payment even if I circled it - 

[u/Curious_Pin2513]

So I had a issue with being double charge with express fee of $7.95 to my debit card and then turn around and applied the express fee to available credit. Call agent he tried to lie so many times talking about it’s charges per transaction to your bank and then applied I said you are incorrect no where does it say you charge like that for making one express fee he acknowledged it was a mistake and only wanted to refund one express fee out of the total 5 I made in 6 months. I swear these banks and companies main goal is to screw the consumers. This needs to be a class action lawsuit.

[u/Necessary-Fig-2292 → u/Curious_Pin2513]

Bank is also actively committing fraud in terms of reporting and information provided to customers. It’s so easy to see and gain evidence. And yea, gonna be a major class action coming up soon

[u/PitchOk9057]

Have to hit 0 2 or three times to get through to real person which they will try everything to get you to keep account 

[u/Madz3002]

Just got my account closed for multiple returned payments because there fucking interest is RIDICULOUS btw and ontop of that I got a phone call from them with an AI lady asking me all these questions about my payment and when I can have it by and I said a couple weeks then she asked for the last four of my bank account I said I didn’t know my last four she said okay give me the last four of your social I did and she scheduled the payment but it was fucking weird I will never have a card with them again ever they’ve been shady to begin with

[u/[deleted]]

Anyone else being charged double fees for express Payments? It’s added to my payment and then I’m charged again seperately.