Recently, I noticed several unauthorized charges on my credit card. I contacted Credit One Bank and spoke with a claims specialist who assured me that the unauthorized amount would be refunded. She also stated that my card would be deactivated and that a new card would be issued. The credit adjustment appeared in my account later that day. However, about a week later, I received an email from Credit One Bank stating that, after completing their investigation, they reversed the credit. The reason given was that the card had been used in the area where I live. I immediately called Credit One and spoke with another claims specialist, who told me my account of the situation contained “discrepancies” and that the merchant claimed I was the individual who used the card on October 15, 2025, at 3:30 PM.I explained that this was impossible, as I was at work 21 miles away at that exact time. It would not have been feasible for me to travel 21 miles, check into a motel, and return 21 miles back to my job to clock out at 4:00 PM. The representative also stated that the merchant had provided a receipt, which was attached to the email. When I reviewed the receipt, I noticed it included an ID image of a man I do not know. The individual in the ID is clearly not me. I informed the representative of this, yet she insisted that this person was “with me” when the card was used. After explaining my situation multiple times, I was told that the decision was final and the call ended. I then contacted the merchant directly to explain that my card had likely been cloned and that I did not authorize any charges. The merchant refused to assist, stated they would lose money, and abruptly ended the call. It has now been over a month, and I still have not been reimbursed for the unauthorized charges. Each time I call Credit One Bank, I am met with unprofessional and unhelpful service, and it is extremely difficult to speak with anyone in the fraud department. Based on my experience, I strongly advise others to avoid doing business with this credit card company. Their handling of fraud claims is unacceptable, dismissive, and financially harmful to customers. Another serious concern I want to raise is the treatment of customers who fall victim to fraud and must contact Credit One’s customer service for help. Based on my own experience, after speaking with more than five different representatives, I was made to feel like a criminal rather than the victim. Instead of receiving support or understanding, I felt dismissed, pressured, and accused, which caused unnecessary stress and made the situation even more difficult. No
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Credit One Bank, NA, simply referred to as Credit One Bank, is a US-based bank specializing in credit cards.
