Credit One Bank -nasty nasty nasty!

[tinroofrusted]

So I got my first pre-approval offer in the mail from Credit One Bank.

I went online and accepted, and got the credit card in the mail yesterday.

A $200 limit.

I called Customer service, and told them to please close the account; I wasn't interested. And then the lady on the other line proceeded to get REALLY nasty with me.

She asked me why I didn't want this card. I patiently explained that I had several other cards with MUCH higher limits, and felt that this would hurt my credit more than help it.

She then said " well this is to help you rebuild your credit." I said I knew that, but I had been rebuilding for a year and a half. She then got really snotty when I said the credit limit was unacceptable. SHe said "this is based on your credit score you know. I can't do anything about your poor cedit."

blah blah blah... this continued.

I then explained that I know that my credit isn't THAT poor because I check it every day. She asked, "well how can you do that?!" (again really snotty) and told her I didn't answer to her. She then asked if all of my other "such great cards" reported to all the major credit bureaus, because thiers did. I told her yup, and some do it every week.

I then said, close this damn card, and quit with the attitude, and she placed me on hold for about 15 minutes, and then some guy came back on and closed the card out.

I also told them to take this crap off of my credit report, as their crummy card had lowered my credit scores. (About 5 points....)

So stay away from Credit One Bank if you get an offer in the mail.

[anonymuse]

Once I get a stinker on the phone for any kind of customer service, I pull the "thank you, and have a nice day". And then call back and hopefully get a more civil agent.

[JeepMom]

Sounds like the woman when I cancled my first premier card. She kept telling me "you get what you pay for with a credit card" BS, the best cards out there are the ones where you pay the least amount of money. She ended up hanging up on me.

[NASCAR20FAN]

Someone was a little pissy! They should understand that we are customers! If we ant to cancel, we have the right to do so. That lady need anger mamagement... LOL

[anonymuse]

I remember my dad going to cancel his Discover--he had the card for probably 20 years--he pays on time every time. They offerred him the sun and the moon to stay on. Then they wanted to lower his mortgage payments to some ridiculously low rate and asked him how much did he owe on his house and cars. He said nothing. Finally, they said "Thank you, Mr. M....", I'll close your account immediately. I wouldn't be surprised if he has a nearly perfect FICO score. I remember how upset he was once when my mom forgot to mail the mortgage check and he got that one ding for a late payment.

[SinkingFast]

Once I get a stinker on the phone for any kind of customer service, I pull the "thank you, and have a nice day". And then call back and hopefully get a more civil agent.

I've done that before. Hang up on a bad Cust Serv Rep and call back to get a nicer person to work with.

If they are being particularly bad, I'll ask to speak to their Supervisor. Which they generally cannot find or is conveniently not available.

That's when I ask their name, first and last, and their call center location. Jot that info down. Then immediately call back and ask the very next CR to speak to a manager or supervisor. I won't allow anyone else to help me. Then I proceed to tattletale on the horrible Rep I just spoke with and have the manager or supervisor fix my problem for me.

And I typically don't say "Thank You" when they are being rude to me.

I'll say, "Since you can't or won't help me, I guess we're done here." and I hang up. They hate it when you hang up on them!

[debtisbad]

I just cancelled my phone service with At&t. They were beyond horrible. They offered to reduce the price. They wanted to know all kinds of things. Like how was I going to make phone calls. I told them I had a cell. They wanted to know who the cell phone was with. They could offer me a better price on the cell. Finally, I asked the girl on the phone "what is with all these questions, I just want to cancel the da&m phone service!". She said they have to ask these questions. Turns out, she is not even an employee of at&t, it is outsourced. I bet the same with that bank. That girl probably was not even in the United States!

[anonymuse]

And I typically don't say "Thank You" when they are being rude to me.

It's my "kill them with kindness" theory.

There's one person at work that is known for being stubborn and nasty and I think even likes that portrayal of her. So when she's being a particular biatch some days, I act so nice, compliment her, and the whole nine yards since I know it ticks her off.

[anonymuse]

I just cancelled my phone service with At&t. They were beyond horrible. They offered to reduce the price. They wanted to know all kinds of things. Like how was I going to make phone calls. I told them I had a cell. They wanted to know who the cell phone was with. They could offer me a better price on the cell. Finally, I asked the girl on the phone "what is with all these questions, I just want to cancel the da&m phone service!". She said they have to ask these questions. Turns out, she is not even an employee of at&t, it is outsourced. I bet the same with that bank. That girl probably was not even in the United States!

There was a report on the Today Show a week or two ago where some guy taped his conversation with AOL when he was trying to cancel his subscription. It took almost a half an hour and he stayed pretty calm and cool during the process, but boy was the guy on the other end a PITA. And all he kept telling him was, "No, thank you. Now will you please cancel my account." It's bad everywhere!

[Minnymouth]

Yeah, AOL made prime time news and a special on Dateline on how hard it was to close out your account with them and stop the auto withdrawl from your checking accounts.........

Very informative show.............. ad news cast......

[pink_amulet]

I just cancelled my phone service with At&t. They were beyond horrible. They offered to reduce the price. They wanted to know all kinds of things. Like how was I going to make phone calls. I told them I had a cell. They wanted to know who the cell phone was with. They could offer me a better price on the cell. Finally, I asked the girl on the phone "what is with all these questions, I just want to cancel the da&m phone service!". She said they have to ask these questions. Turns out, she is not even an employee of at&t, it is outsourced. I bet the same with that bank. That girl probably was not even in the United States!

I called on June 21 to cancel my AT&T service....We changed our service over to our cable company which we had used for over 8 years and are very happy with. (NO it is not stupid COMCAST !)
I called At&T (formally SBC)...I told them i wanted to cancel my service as of midnight (the tech was coming that day, and I didn't want AT&T charging me one min longer..lol) and the rep asked me every question under the sun! I stopped her and said
" First of all I HATE At&T, I used to have them back in the 80's and they sucked. I was very upset when I heard about he merger between SBC and At&T. Second of all, you are screwing your customers by forcing them to only use certain plans. A few years ago SBC offered to lower my monthly service by changing some features, just to turn around and discontinue those features, I was forced to go with different upgrades. This has happened on 3 different occasions through out my years of service, that is not fair. Now I will not sit around and let AT&T stick it to me, I want to cancel as of today."
There was silence and said, "I see here in the notes your line is to be released today, and no longer being billed as of today." I said OK and hang up.
later that night, my phone wasn't able to get calls in, but I was able to make them out....go figure??, I called my cable company and they said AT&T did not release the line like that said they were...I was livid! My cable company called AT&T and had it fixed within mins!!!....
I guess if they think they held onto the line I'd go back...LOL NOT in your life!!!!

[13inOR]

Funny you should post about Credit One, I got my first offer from them yesterday and was going to check on here for others experiences--well I guess I found out what I need to know!! LOL

[krobin02]

AOL closed my account fairly easily, told me that since I was closing it so close to the billing date I would have one more automatic charge withdrawn from my checking account, then I would be done. Well, I had that one last charge as promised then nothing else. A few months later I got a letter from a collection agency for a 23.90 bill on AOL service. I was really hot to trot. How in the hell could I be placed under collections when my payments had never been sent in the whole three years? They took it straight from my account every month. So I wrote a letter back right away disputing it on the auto withdraw grounds and never heard word one again. It also does not appear on my credit report. Thank goodness!

[Neo28344]

Every company in a competitive industry has what they refer to as " customer retention" departments. Makes no sense but they do. They operate day to day with less than generous offers and pricing. Then when you want to walk away, they pull out the real offers and pricing.

You would think they would take care of the customer everyday.
Not true, they bleed you dry, then when you say stop, they be nicer to you.