Complaint Review: Credit one bank - NAtionwide

 Again, it's all the standard subprime mentality responses. Grow up, little child! Robert doesn't work for "them" and neither do I!

Okay, I understand what you are saying but i got a good question for you. Why do you care about my situation so much as to feel the need to step in and ask these questions? I still feel you are playing keyboard commando/troll here. I understand where you are coming from. Yes, I have the money in the bank. No I do not have a job and just got on the waiting list for another. We have the money to pay it all off.

Due to my credit from bad decisions before I was left with this option to rebuild it. There are so many factors here. But the one factor still remains. Trying to peg me as a nasty overbearing person is not the goal here. You have harrassed me with questions not pertinent to the situation. They have failed to notify me if a payment has had an issue so we can rectify it. Everything I am saying here is legitimate.

They called me this morning stating that they have place a restriction on my account and they apologized for their mistake and are working with me to fix this issue. So they admitted fault and your claims hold no water. Please instead of diving into other peoples business just for kicks and giggles find some other issue to laugh at instead of bothering me about a legitimate review of an obvious (in your words) "Sub-Prime" Credit company.

I agree with what you say but to try to ask questions to make the failure seem like it's on my end makes you look like you work for them and harrass me. Also Trolling somebody when they are seeking to only just post a review of a company is Typical. If you think you are under my skin and getting me heated over what you are saying then sorry to burst your bubble you're not under my skin and i'm glas to explain the situation to the fullest instead of summarizing. In a nutshell they made the mistake wether it was the computer or the employee and they are working with me to fix it and get my card re-activated. Time to move on to your next victim.

Thank you for the laughs Robert, Enjoy.

Oh yes the typical response when you can't actually answer any of the legitimate questions..I must work for them. Sorry to burst your bubble but I do not now or have I ever worked for this or any other credit card company.  In reading your addtional post it was a 180 degree shift from your original post in the circumstances, which tells us there is more to this story than you are telling us.

By the way people who "understand" credit do not end up with this company and willingly pay all of the extra fees that they charge for a $300 credit limit.  If you "understand" credit why would you pay an extra $10 to have immediate access to at most $300?

Are you saying that you don't have at least $300 in your savings or account for "emergencies" that you could pull if needed?  If not you have just proven why you are with them....bad economic decisions.  

They did not inform me of the actions they took. I processed a payment on monday the 23rd and I felt like giving more so added more on tuesday the 24th. Afterwards I tried to use my card for a purchase of gas and found it to be declined. After calling and speaking with a rep they informed me that my account was closed. I made my payments early due to their 1 week payment processing period for standard payment. I pay $10 extra to have the balance available if needed. I called again and spoke to a manager. He informed me that they accepted my recent payment because it was a debit card. He went on to inform me that the account number for my bank account had extra zeros after the numbers i gave their representative during a prior phone conversation. It was either the computer or the employee who made the mistake because I personally do not add zeros to the end of my account. Now either you are an employee of Credit one trying to harass me or some uneducated plebian who would like to pass judgment on somebody you don't know when you are not at all related or privy to the situation. I understand how Credit works and how the payments are made. This is definitely sketchy. Please stay out of other peoples business instead of being a keyboard commando trying to troll people who are making honest reports. Thank you.

They are a Sub-Prime credit card, and as such have to deal with people that have a history of not fulfilling their legal obigation in paying back the debt that is owed.  I bet all(or a good portion) of the answers to your "issues" lies in the following statement you made.

Tehy close my account and then they start accepting payments?!

Why would they "close" your account after only 3-4 months and according to you after you have made several payments successfully. 

They asked for proof that you were an Authorized user on the account you were making payments from, so was this account in your name?  Did you provide Proof of this authorization?  Did you ever have any payments rejected by the bank?

Exactly how many payments is "several" in 3-4 months?  Are you making multiple payments per month, are they all coming from the same bank account?  Have those payments been "On-Time" and for at least the minimum payment that was due for that month?