Complaint Review: Credit One Bank - Nationwide

My credit account was in good standing. One day, I get an alert from my credit report... The balance is way over the limit... Apparently, 3 fraudulent purchases were made in India, and a fraudulent payment, which Credit One processed and then returned, allowed the balance to go even higher above the limit. I called on February 21st to see what happened. An Indian customer service representative told me I was in luck, because he lives in India and knows these companies and scam rings, specifically naming something from the purchase IDs. He said he was opening a fraud report, and taking care of everything. In 30 days, the investigation would be complete, my account would be brought into good standing and the major credit reporting agencies would be properly notified. However, the call disconnected after he said all of this. It wasn't my line - we can subpoena the T-Mobile phone records in court. In retrospect, I believe someone from inside the company cut the line. At the time, I figured he already took care of everything, and if he needed additional information to file the report, then he would contact me. I would follow up next week to make sure everything if moving forward as planned. Several days later, on February 26, I got a call from Credit One billing department... A collections call. The customer service representative told me at first that she had no knowledge of my discussion with the representative on the 21st... But then she got scared when I reminded her the calls were recorded... And we could easily pull up the conversation I had on the 21st... She retracted her statement... Started to filibuster... And that's when things got weird. After being on hold and transferred to supervisors (4 hours in total I took off of work for this). I was told that they could no longer verify my address because it showed I lived in New Jersey... I have lived in the same California address since I opened the account... This means that after my conversation on the 21st, more fraudulent activity was happening... Including locking me out of my account and changing my personal information... I've changed my password several times in the last few weeks, and I use a unique password for Credit One Bank... Meaning no hacks of my Google or other accounts could reveal the password for Credit One Bank... The hack was on Credit One alone OR someone inside the company did this. I caught them lying on recorded calls several times. Please, I filed bankruptcy last year and it was a very difficult process. I've bent over backwards making sure all of my payments are on time and my money is right. Now, this company is holding me hostage. They said in 30-60 days the investigation would conclude... And if it returns in my favor, then they would credit my account... And notify the credit reporting agencies... But one supervisor hung up on me because... He asked me how old I was... And I said my birthday is... Then he asked me... Sir, how old are you? I said, excuse me is this a joke? I gave you my exact birthday for verification purposes. Then he said, sir if you're not going to cooperate I'm going to disconnect the call... And before I could say wait, wait I'm 31 years old are you kidding me... He hung up. It feels like they're messing with me. Several people lied to me from India, the Philippines... No one from the U.S. ... I haven't spoken to a single U.S. representative... I am not going to sit idly by while the billing department has me in collections... And they told me they are two separate departments... The billing and account services departments... So, if there is a fraud investigation on my account... they don't communicate and I will still be harassed by collections. So, I said no, I legally do not allow the billing department to contact me at this time and you must go through my attorney. Then I called the account services departments immediately after and they told me they couldn't discuss my account because there was a flag for legal council. I said, how? They said they weren't legally allowed to tell me how they knew I requested legal representation for the billing department... And then retracted their statement... That the two departments are actually one and the same. I have the names of all Credit One executives. I will declare full legal and financial war on these individuals - not the company - if my credit score suffers one iota from this fraudulent and corrupted scam ring in East Asia. As God as my witness, I will rid all of America from every single corrupted banker - or I will die trying. What they are doing to me and countless other Americans is beyond unethical - it is criminal. And they will not in prison or I'm not an American. Excuse me for being passionate. These people are threatening my ability to eat and feed my family, so I believe a bit of righteous anger is well-deserved.