Jenny
Jacksonville,#2Author of original report
Wed, March 19, 2008
I called Credit One back and spoke to "Jene", who gave me the same reason. "Closed for poor payment activity". Keep in mind, I have NEVER been late, always pay more than the minimums, and most recently, sent them a $890 payment in November. I asked to speak to a supervisor, but didn't. A man by the name of "Earl" came on the phone and said the reasons I was given didn't sound right to him, so he did some research. As it turns out, because they had my incorrect address information, it was "flagged" and that's why the account was closed. Long story short, they're reopening my account and sending me the replacement card. I was told to give it two days to reopen and 7-10 days to receive the card. He apologized for the confusion and mix-up and asked if he could help me any further. I thought I was speaking to a different company! Now I won't have a negative closure of an account on my credit report, which makes me VERY happy. This "Earl" should leave Credit One and work for a company with a better reputation. He used his critical thinking skills and took the time to do some research, rather than reading a wordtrack and ignoring my explanations. It's resolved, as far as I'm concerned....but I do still plan on paying this account down and never using it again.....ever.