- Report: #1406494
Complaint Review: Credit One Bank - Las Vegas Nevada
Reported By:
Kimberely -
Newton, North Carolina, USA
Submitted:
Updated:
-
Author Confirmed
Why?
Credit One Bank
585 Pilot Road Las Vegas, 89119 Nevada, USA
Phone:
1-702-269-1000
Web:
www.creditonebank.com
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Credit One Bank Was charged a late fee even after I authorized credit one bank to take my payment out of my checking account. Lied about verifying my bank account to information I have proof that they did not verify my account in the 24hr period did not personally call me on my phone to let me know that supposedly my checking account number was wrong which I have proof I did not enter wrong number. Las Vegas Nevada
Report Attachments
Lied about verifying my bank account information added my bank account information online at their website I got reference number and confirmation that I was authorizing credit one bank to take out my payment of $25 on the 6th. Well on the 13th I keep getting phone calls from a 1-844-371-1205 would not leave message so after the 13th and the14th of them calling continually all day not leaving message I finally called it back and it was an automated message informing me that my payment was sent back. So I called number on back of my card and the first representive that I spoke with on the 14th told me the reason my payment was not made was because they could not find my bank account information on the website.
Told her I was looking at it that it was there. She wanted me to call her back with my bank information again. So I called back on the 15th. Now this representive that I spoke to tells me the reason my payment was sent back and I was charged a late fee was because my bank could not find my account. I called my bank to verify and of course they lied about that as well. I asked one simple question why is it that on the 6th when I added my bank account information and it takes only 24hrs to verify with my bank why didn't a live representive call me on my phone and say that the bank couldn't verify my checking account number?
No answer to my simple question on phone with corporate office today because 3 representive's and one supervision could not answer my simple question. I have proof I did not enter my checking account number wrong. I have proof of that as well. My google chrome has autofill on always have it on, well the representative trying to tell me that i forgot to add the first number which is an 8 that i started my account number with the second number which is a 2. I had my account setting page open already so took screen shots of me deleting the orignal number and than putting in the number they were accusing me of putting in which starts with the number 2 that I clicked down to the verify account number box and started typing in the account number.
Well the little box did not drop down with my auto fill. Only did it drop down when I cleared the number out and put my original account number starting with an 8 did my auto fill box drop down with my account number that I filled in from the start. Took screen shots of that as well. Every representive that i spoke with made me feel helpless they could not answer my question.I got told two different reasons why my payment came back.
At this time the second repersentive was caught in a lie she told me that the reason my payment returned was that my routing number was wrong, i said wait a min now you were telling me a min or two ago that my account number was wrong, she knew she had been caught because she than told me that she would waive my late fee. when the second repersentive could not answer my question is asked to be transferred to another repersentive she said that she couldn't do that, that I would have to hang up and call the 18443711205 number again to get another representive.
If I was my fault and I asked the supervisor if they could show me proof as to where I put in my account number wrong and where they varified my account with my bank like I had proof pictures and I called my bank to verify that they did try verify my account in the 24hr period so I could have made my payment on time she is going to say to me we will send you a letter and I am going to say no I want proof pictures or a transaction from my bank saying that my account number was wrong that my bank told them they could not find my account. And of course the representive is going to state to me again that they will be sending me a letter.
If they prove to me I was in the wrong I will pay the late fees no questions asked because it would have been my fault my payment wasn't made on time. But until than all I simple want to know is why was I not called by a live representive on the 7th or even the 8th and told that my account number was wrong? Why wait until the 13th and have a automated voice tell me that my payment was returned but not with a reason? Oh and by the way yesterday while I was on phone with the supervisor she going to say oh I see you updated your account number i told her no I was getting my proof that I entered the right account number.
1 Updates & Rebuttals
Robert
Irvine,California,
USA
Not Proof..
#2Consumer Comment
Wed, October 18, 2017
Sorry, but while I do feel for you since it does appear you attempted to make a payment on-time. The only thing that screen shot shows is that you entered in a one-time payment on 10/6 for an account ending in 0527. It says NOTHING about the account being verified. It says nothing about it saving the information. Contrary to belief "Auto Fill" is not a reliable indicator. In fact auto-fill could have been your downfall IF you had a previous value in the Autofill that was wrong.
As for being notified on the 13th, that is actually a reasonable date. An ACH Transaction can actually take up to 3 BUSINESS days to "hit" your account, it could be another day for Credit One to be notified of any errors.
But then you have to ask yourself this. If you entered in the account number correctly, what would be the purpose of any company to change the account number? That would be a FEDERAL crime since they would be doing it for fraudlent purposes. It could get the company fined, perhaps even shut down and anyone involved thrown in prison. Over what...a $30-$50 late fee? Oh and don't use the "Well if they did it to 10,000 people"...do you see 10,000 reports on this every month?
I have no idea what you asked your bank or what they "told" you. But if the wrong account number was used, of course they are going to tell you that no attempts were made to the real account. If they told you it took 24 hours to verify, that is still 1 BUSINESS day, which would have been the 9th. But you still would have been late based on your screen shot that shows the payment is due on the 7th each month. So really being contacted on the 9th or 13th would have done nothing for the late fee.
Perhaps next time you won't wait until the day before the due date to make your payment. As even just a few days earlier in the same situation would have enabled you to still make the payment with the corrected account BEFORE the due date.
