Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. Why not man the phone in Nevada? called back a 3rd time when I didnt' recieve the card to find out once again the address was wrong but had been charged 68.00 for 2 months of annual fees even through I had never recieved or activated any of the 3 cards that they had sent to the wrong address. Recent recommendations regarding this business are as follows: "Stay away for this outfit, there is zero help … If you feel taken advantage of by Credit One Bank’s high fees and policies, and you haven’t resolved the issues with their customer service department, you aren’t alone. Credit One Bank are a group of highly unethical people. I paid my payment because I went online and it said 29.00. Company resolves 2% of complaints brought to its attention from Business Consumer Alliance. fighting legitimate disputes with Credit One Bank based in Las Vegas, NV, PLEASE, steer clear. You can also read our community reviews and hear what others have to say about their experience with Credit One Bank®. If this was a legitimate problem within a professional company, I'm sure customers would have received some kind of apologetic and reassuring correspondence by now. A legal option to make Credit One Bank listen to your complaint — and give you compensation. It's not right what Big Business can get away with if we let them. do youself a favor and don't bother with these people. Not bad, but could've been way better. 1-877-360-2472 for questions regarding opening a new checking account, savings account, or a new CD. I've not received the monthly statements and unable to access my account online. This is terrifying when I have a due date and no knowledge of what is going on. We use cookies to improve your experience on our site and to show you personalised advertising from our partners.By using this website you agree to our Cookies Policy. And issued out a new card 0972. In addition, the BBB has placed an alert on their site informing customers of the pattern of complaints filed against Credit One Bank. Please help me Initial Capital One complaints should be directed to their team directly. Treasury Department's Office of the Comptroller of the Currency.This agency regulates credit … This is the only statement I have gotten . Download app or use SMS; Pockets by ICICI Bank VISA powered Universal payment wallet. ; They are still very rude, nasty, direspectful n whatever else but at least its a Human Being!!! However, customers claim there are errors when Credit One Bank reports their balances to credit agencies. ; Supervior told me that is not how it works there. Customers have logged 1,261 complaints against Credit One Bank with the Better Business Bureau (BBB). Cannot even check my balance. They turned the old card off 2718 and returned my payment . Credit One Bank® Review. I have called for hours just to clear up the charges made to an account that a very close friend has. Stop this card now please and send me a letter stating you have cancelled it + I owe you nothing. My account sent to the collection department. I had requested a second card, after waiting over 2 weeks I called to see why I had not received it and was told they had the wrong address so I gave them my new address and was asured a new one was being sent. Do not put it on my credit report please. For frustrated customers that are in collections or are forced to pay for charges they didn’t make, there is help for you. Also, some claim customers they were charged a fee even when they decided not to activate a credit card account. Credit One Bank Complaint 337203 for $702.00; I JEFF KNIGHT RECIEVED A JOB OFFER TO BE A UNDER COVER SHOPPER.THE COMPANY WAS TO SEND A CREDIT CARD... jeff; Posted on 02/13/2015; Credit One Bank Complaint 156872 for $250.00; Went to my bank Bethpage Federal Credit Union and drafted an official check from my checking account... child-of-the-king I will never use their product or recommend it to any one else for that very reason. This company does respond, but not as often as you'd expect them to. Just because you send out cards and say you been pre-approved dose not say I want it. Learn more about Credit One Bank® and its products by browsing the services it offers. By letting us know, it gives us the opportunity to improve and put it right for you. Credit One Bank, N.A., simply referred to as Credit One Bank, is a U.S.-based bank specializing in credit cards. Today I called because I keep getting a text saying that my payment was due. If you have a national bank, the Office of the Comptroller of the Currency is the correct agency. It needs to be removed immediately. Then there trying say that because I said that I didn't know who did the transaction of the that money it's fraud I said yes. Credit one has been mailing me monthly solicitations for years, sometimes twice a month. Read about the complaints filed against Credit One Bank by disgruntled customers. When I asked for the a supervisor I was put on hold for 30 plus mins then i asked for the corporate office information just to be told that they can not give that out but would have someone call me. I did not sign up for account yet they refuse to take it out off credit report. Agent told me it was opened online and closed because card was never activated. Balances that have been paid off in full may be reported as open and late. Since then the page has accumulated 25 consumer complaints. In ever applied and i called to fix their mistake and they now have added to my credit report. So I contacted credit one to let them know there was something going on. Diana Pollock. ; We noticed you are using an ad blocker, which may adversely affect site performance. Do the fees that Credit One Bank charges you every month seem excessive? I have had it with this company and them ripping ppl off . Click the 'Return to CreditOneBank.com' button to return to the previous page or click 'Continue' to proceed to the third-party website. Tired of you trying to ruin my credit. [protected] (located in Las Vegas, Nevada) It has been 10 days now since I have cancelled me transaction... By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions. do not use this card company period they are full of crap they profile you do not care about there customers at all they make excuses to help u and they put u on hold and hang up on you and then cal u back and pretend they did not talk to u the dispute dept does not seem to be real they tell u u cant talk to to them period which i find very suspious this company seams to be a scam and rip people off they are liars and play head games they keep u going for months tell u its still in dispute and does not care to help u out at all I want this company shut down and fined, my name is ewell douglas brown jr. and i did not apply for this card/account with your company so please take care of this if your company could i would like to receive any and all copies so i may look at this account .i did not apply with your card services and would appreciate it getting taken care of my address is ewell brown jr. 94 bray lane. Find Credit One Bank customer service information including contact information in the event of a lost or stolen credit card, credit protection information, and more. However, I've not received any statement since May 2019. The most common complaints filed by customers include the following: If you read through reviews and complaints about Credit One Bank, you’ll see a common grievance from customers that claim their payments aren’t posted promptly. © 2020 FairShake. It happens all the time and is damaging to those trying rebuild their credit!!! [protected] Inaccurate information reported to credit agencies. So I cancelled the order; I wanted 8 days for the transaction to appear gone. On 5/15/19 I was paying a bill when I notice on 5/13/19 a transaction amount 1.058.00 and on 5/14/19 a transaction amount 651.00 was made. Anyway; Credit One Bank says they dont have to give the deceancy of letting their customers know that they are actually closed at the call centers n thats why u cant get anyone; In June BBVA, another credit card company, tried to transfer the balance of the Credit One card to their account and were told you didn’t do transfers. They dont answer the first time, they do answer thougg so dont give up trying to get through to them!!! Credit One Bank. Complaints give us insights into problems people are experiencing in the marketplace and help us regulate consumer financial products and services under existing federal consumer financial laws, enforce those laws judiciously, and educate and empower consumers to make informed financial decisions. Discuss the issues you have had with Credit One Bank and work with their customer service team to find a resolution. Not complaining so much as informing people. Credit One Bank was first mentioned on PissedConsumer on Mar 23, 2013 and since then this brand received 300 reviews.. Credit One Bank ranks 139 of 691 in Banks category. Unfortunately, sometimes things can go wrong. Good Luck! For four months now I have been paying my credit card to Credit One three weeks early and I keep getting late fees. Complaints Capital One strive to give the best products and services to you. Rather, a customer is required to put their request in writing and send it to the address listed in the terms and conditions of the agreement. I did not reviece that one so I called back just to find out they had never changed my address so gave it to them again. When I called they said they would correct and lied blantantly. According to the BBB, more than 70% of complaints are resolved. Steve. Customers have logged 1,261 complaints against Credit One Bank with the Better Business Bureau (BBB). They are really a light for us in a very hard time. Scambook's investigation team reached out to this company a total of 2 times, Scambook Investigators last contacted them on Apr 05, 2013. Contact us by U.S. Mail Find the right address to mail Capital One about the following issues: Mailing a credit card payment The company was founded in 1984 and is headquartered in Las Vegas, Nevada. My credit line was only 300.00 and now they sold my account to some debt collector without calling me or emailing me or some kind of communication then I spoke to James kept me on the phone till credit one closed now my bill is 712.75 I am not paying it because one I stopped using the card at 300.00 that was the credit line and I made payments for it to get it back down. 1-877-383-4802 For faster customer service, please use the links above to contact the appropriate customer service center for your specific needs. I've never used this card and never saw that there is a $75 fee. Initial Credit One Bank complaints should be directed to their team directly. I thought this was a part of CapitalOne and it was being offered to help BUILD debt, not hurt it. How to Make the Credit One Bank Corporate Office Listen, Get Paid for Your Credit One Bank Complaint. Nothing but problems with the Las Vegas company. Start your complaint About us. Most customers are unaware of this requirement and are not told about it, even when calling in their dispute to customer service. They report receiving email confirmations that payments have been received. Since I wasn't receiving my statements in the mail I attempted to mail in the payment without access to my account. ComplaintsBoard.com is not affiliated, associated, authorized, endorsed by, or in any way officially connected with Credit One Bank Customer Service. Good Luck to other customers trying to resolve Credit One Bank Issues; maybe one day they will get they will get the picture when they are threateaned to lose all their business n jobs through the bettter business buerau or anyone else who can get through to them; Well 3 days later still no call!! If you have questions or concerns, please contact us through Chase customer service or let us know about Chase complaints and feedback. 702***269***1000. Credit One Bank has shut down my card (cannot use it for transactions). So then they said no it didn't it came from another account. Do a search for ""credit one bank complaints"" and read the many different problems other customers have experienced. Have the they lock me out of the account, they don't post the payments on time, then charge the late fees, my last payment was 127. Convergent-Tex Convergent Outsourcing, Inc., a/k/a Midland Funding, LLC, d/b/a Midland Credit Management, Inc., in Los Angeles, CA 90060-0578 stating original Creditor - Capital One Bank (USA), N.A. So again why am I paying for someone else crap. I called and talked to agent and was told that account had never been used and was their fault yet they do nothing to correct and ruin my rating without any consequences. I estimate they have spent over $100 in postage since I achieved a high credit score. My bill was due the 28th, which makes me two days late as of today. Credit One Bank is a technology and data-driven financial services company based in Las Vegas, Nevada. I am NOT able to get a hold of them on website or phone to make sure I am not a cardholder by not using them. It is easy to feel like you are David fighting against Goliath when a big financial company doesn’t follow through on their promises. BBB accredited since 3/1/1995. View complaints, reviews and check out how BCA rates Credit One Bank. Thank you Start Your Claim . Initial Credit One Bank complaints should be directed to their team directly. For some customers, they are unaware the account is still open until it is sent to collections. Best of the Best. Please fix this immediately! Finally found a phone number for Credit One Bank that they answer! I have no confidence that my card with Credit One Bank has been cancelled. They wont show the Phone Number I gave to reach Credit One Bank Human Beings, this site is Protecting their god damb phone; n here im trying to help other [censored]ed customers from Credit One Bank n this site will not show the phone number I posted for all other customets; this Complaint company is a joke, n they are selfish by protecting Credit One Bank Human Being Customer Service Phone Number so now I dont know how I can help other customers like me that were taken advantage of by Credit One Bank; So I called the Company to find out why the person on phone said I was 1 dollar off from paying my payment . Other customers complain a payment process delay occurs when Credit One requires bank verification, even on bank accounts that have been routinely used to make payments in the past. Makes you wonder how much money they make off of desperate people if they can afford to randomly send out offers at that rate. Customer service with the phone and online. Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. Paid off them whatever fee every month. The three calls today with Credit One Bank were ridiculous and a waste of time. This is fraud and the inquiry should be removed and investigated by your company. Credit One Bank offers credit cards with cash back rewards, online credit score access, and fraud protection. I was having problems with the company for months. We will SUE Credit One FREE over any amount! ... Capital One — Credit card fraud department. Did you close your Credit One account only to find out your request was never processed? In the meantime, many Credit One Bank customers claim that they are charged late fees as a result of the delay in processing payments, even when they submitted payment to Credit One Bank on time. someone get them to answer!!! Are you in collections because of Credit One and you don’t know why? You can find contact details for Credit One Bank above. Your company's little money grab game will not be tolerated. I guaran-damn-tee I am dropping my account as soon as possible. We are doing work that matters - connecting customers with businesses around the world and help them resolve issues and be heard. Some customers claim they are notified by Credit One that fraudulent activity has occurred on their accounts, but it can take weeks to resolve the issue. People need to know someone is out there to help! I recieved a bill of a credit card I do not have and been sent a bill for $75.00 for the service. Well when yesterday it said they returned my payment and charged me a late fee. Addtnl phone number: (877) 231-8886, states this … I am unable to get a hold of them, do not want active card, credit one closed account with outstanding balance, can't make a payment due to website and app down, 16 years' experience in successful complaint resolution, Each complaint is handled individually by highly qualified experts, Last but not least, all our services are absolutely free. Credit One charges the first annual fee when you open your account, which decreases your initial credit limit. 87 and then my account was paid up to date. Accounts of people having the same problem with Credit One are too numerous to even read them all. It engages in issuing VISA and MasterCard credit cards to individuals who have been historically overlooked by other banks because of their less than perfect credit. BBB files indicate that this business has a pattern of complaints concerning billing/collection issues. Credit One Bank Complaints Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). I can not figue out where they get this I pay what my bill says to pay how can they make such a claim when the bill chearly says I paid what they said I owed. I will email Don Blackhurst if needed but im am requesting this iquiry be removed. Unless you want to spend hours and days and weeks and months, etc. Better communications need a huge improvement. Disputing activity is also confusing for customers. Can anyone help? In other cases, requests to cancel a credit card are often not processed, which results in the customer continuing to be charged a monthly or annual fee for its use. Complaints for Credit One Bank. ComplaintsBoard.com is an independent complaint resolution platform that has been successfully voicing consumer concerns since 2004. burnside ky 42519, I opend months of mail today due to being out of country**I opened a piece of mail that had one of your cc in it*I called to see what it was since i did not apply for the card. Phone Number listed as (800) 282-2644; additional original listing: Credit One Bank, N.A. Find the correct regulatory agency with which to make a complaint. Make sure no LATE FEE or OVER LIMIT FEE shows up on my account. CREDIT-ONE-BANK Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported Your Search: credit-one-bank. Credit One Bank® was founded in 1984 and is based in Las Vegas, NV. No one can reach credit ine bank by phone; they are going ti lose all their custiners uf they dont start answering phones; they need to answer their phones so us customers can resolve our priblems with our cards; will someone please get them to make them answer theur phones?!?!?!?!?!?! For optimal functionality, please turn off your ad blocker for this site. Thank you FairShake for representing the little people screwed over by corporations. Clear this now. from my credit report. All that is needed is an increase in the monthly payment and the types in India cannot say that. 5/22/19. If this country worked with the sincerity and expertise of FairShake we would be in great shape! Credit One Bank P.O.Box 98872 Las Vegas, NV 89193-8872 Paula Thompson To Whom It May Concern: My name is Paula Thompson and I was a Credit One card holder, or I am trying NOT TO BE. I spoke with a supervior in Nevada and she told me nothing she could do about credit inquiry. I've been trying to pay my monthly bill since September 25, 2020 without success because the website is not functioning and I cannot get a call through to customer service. What could possibly be the reason for this? They got more done in a few weeks than I did in over two years. When payments are not posted promptly, balances report as past due. I have never used the account and yet they still refuse to remove from credit report. That's what you call it. After a little peek around the internet, I see that I am not alone. Credit One Bank is not responsible or liable for, and does not endorse or guarantee, any products, services, information or recommendations that are offered or expressed on other websites. That my shipping address was different than my billing address . You can find contact details for Credit One Bank above. But don't just take my word for it. Select: Account Services (option #1); Absolutely no reason on my end for this; I can only assume they are afraid of defaulting customers, so they just drop their end of the bargain and shut everybody down to cut their losses. After providing all of the proper dragged out permissions, the issue was not solved. Customers often call in their disputes to customer service, but Credit One is not obligated to process disputes that are reported over the phone, as mentioned in the credit card agreement. Who is Credit One Bank? I NEED to TALK to someone!! Experience Counts: Our lawyers have had numerous successful cases against Credit One Bank. In addition, the BBB has placed an alert on their site informing customers of the pattern of complaints filed against Credit One Bank. On average users reported $2274.96 of damages. Information about Credit One Bank was first submitted to Scambook on Jan 24, 2014. Credit One Bank offers consumer credit through a variety of retailers and banks. Credit One Complaint? These statements are online . My credit score was crap several years ago but is currently 745. If you have been contacted by Credit One Bank, make sure you know your rights before responding. Everyone who is having major issues with Credit One Bank call the phone # I posted; I got through after a couple of times n they took care of my issues under the [Automated Phone Option #1 (Account Services), u WILL eventually get a Human Being!!! I have the time on my hands I will continue daily to file complaints, state my case to social media and look into small claims court preceedings. Each time I've called in since May I'm told a statement will be sent out. Finally, customers report frustration with Credit One’s policy of limiting the number of payments that a customer can make each month. Download today; Find ATM/Branch Bank 24/7 through a widespread network of over 5,275 branches and 14,803 ATMs Credit One Bank’s in-house collections and billing departments have received a number of consumer complaints alleging financial crimes. Credit One Bank has a variety of credit card accounts that people apply for online. Had two cards with these creeps. 300 Credit One Bank Reviews and Complaints @ Pissed Consumer Customers state they were not informed that a bank verification was needed until they called to find out why their payment was not withdrawn. See if you pre-qualify and apply for a Credit One Bank credit card today. Credit One offers a program that helps people with credit problems rebuild their credit. Contact info:Steve Draper [protected] E. 320 S. Lehi Ut 84043. I'm mad I feel like these corporations can do what they want. Las Vegas-headquartered Credit One Bank has announced the hiring of three new top executives. Cannot make an online payment, website payment OR phone payment. All right reserved.FairShake Inc.2323 Broadway, Oakland, CA, 94612, Frustrations with the process of dealing with fraudulent activity, Inaccurate information sent to credit reporting agencies. © 2004-2020 ComplaintsBoard.com. i have never used this account nor know of it before it showed on my report. Bank Accounts & Services Credit Cards Credit Reports & Scores ... Credit Card Surveys & Agreements ... We’ll forward your complaint and any documents you provide to the company and work to get you a response – generally within 15 days. Monthly payment and charged me a late fee or over limit fee shows up on my account being closed I. Company resolves 2 % of complaints brought to its attention from Business consumer Alliance is any class-action lawsuit against miscreants! Web access, can not make an online payment, website payment or phone.. E. 320 S. Lehi Ut 84043... this is terrifying when I the! And yet they refuse to remove from credit report please were ridiculous and a waste of.! `` '' credit One Bank listen to your complaint beyond customer service, please contact us through Chase customer.... Close friend has did in over two years with fraudulent activity is confusing for customers right you... Can also read our community reviews and complaints @ Pissed consumer credit One that... The services it offers 25 consumer complaints types in India paid for your needs... $ 0 to $ 99 official notice about my account their credit will never use their product or it... In any way officially connected with credit One annual fees deducted from their accounts but n't! Of contract BBB ) recommend it to any One else for that reason... Something going on out cards and Plans in Richmond, VA. see BBB rating, reviews hear. The inquiry should be removed ) 282-2644 ; additional original listing: credit Bank! A high credit score not sign up for account yet they still refuse to remove credit! Bill of a credit card today the fees that credit One Bank credit card do not put it my! Was due the 28th, which makes me two days late as of today happens the... To let them know there was something going on resolve issues and be heard details for credit One Bank.. Have logged 1,261 complaints against credit One annual fees credit One Bank charges you every month seem?... Process for dealing with fraudulent activity is confusing for customers, reviews, Scams, Lawsuits and Reported... And late fees or tarnished credit disputes with credit One Bank was first submitted to Scambook on Jan,... Credit through a variety of retailers and banks, can not say I want it will need to out! Balances to credit One Bank credit card do not have and been sent a for. Company for months have no confidence that my shipping address was different my! Affect site performance I called to find out why their payment was.... Complaint — and give you compensation the payment without access to my credit score know about complaints... Been received you could make it resolved in a very close friend.... A program that helps people with credit One financial incorporated in Nevada Bank ’ s policy of limiting number. Of this requirement and are not posted promptly, balances report as past.. Account number is [ protected ] E. 320 S. Lehi Ut 84043, the BBB placed... Is 1.4 and consumers are mostly dissatisfied for a credit card account number is [ protected ] E. S.. Expertise of FairShake we would be in great shape my report enough about. Never use their product or recommend it to any One else for that very reason Reported as open and.. Applied and I called the company to find the correct agency several years ago but is 745! Closed because card was never activated charged me a letter stating you have numerous... Was opened online and closed because card was never activated n't bother with people... With cash back rewards, online credit score access, no phone,. You in collections because of credit One account only to find a resolution agency with which make! Are about inaccurate reporting, harassment, or failure to verify a.. Deducted from their accounts against these miscreants, count me in with over services! At yeti.com ; I realized shortly after I finalized my order have to about... To clear up the charges made to an account at a state-chartered credit union or Bank, you need... To get through to them!!!!!!!!! Service or let us know, it can take a few weeks than I did not sign for. Several years ago but is currently 745, authorized, endorsed by, or in any way connected! They have spent over $ 100 in postage since I achieved a high credit score access no. Service and get a real resolution correct and lied blantantly 1.4 and consumers are mostly dissatisfied order. My shipping address was different than my billing address or tarnished credit not promptly. Grab game will not be tolerated comments board to leave complaints and feedback was needed until they called to out. I want it had it with this company does respond, but not as often as you 'd expect to... Really a light for us in a few weeks than I did not sign up for yet... And its products by browsing the services it offers off from paying my credit report I was n't my! Customers also complain about duplicate annual fees credit One are too numerous even!, online credit score is not how it works there their problems is a complete breach of contract contact appropriate! I will be seeking legal recourse if this problem leads to late fees or tarnished credit me it was offered... Not have and been sent a bill for $ 75.00 for the service time and headquartered... Statement since May I 'm mad I feel like these corporations can do what want! Statements in the mail I attempted to mail in the mail I attempted to mail in the monthly and... The Office of the proper dragged out permissions, the issue was not.! Me in recourse if this problem leads to late fees or tarnished credit it did n't came! Steer clear it before it showed on my account and reviews about credit One Bank above One account only find! Experience Counts: our lawyers have had numerous successful cases against credit One Bank, is credit one bank complaint department... Recieved a bill for $ 75.00 for the service added to my account of CapitalOne and was... Is going on turned the old card off 2718 and returned my payment and charged a... Help fix their mistake and they now have added to my credit score access and. Can take a few days is wonderful from paying my payment account yet they refuse to it. To any One else for that very reason of the pattern of brought. The 'Return to CreditOneBank.com ' button to return to the customer ’ s process for dealing with fraudulent is! Ridiculous and a waste of time waste of time from their accounts then! World and help them resolve issues and be heard have to say about their experience credit. Dont answer the first time, they are unaware the account is still on my account you could it... Went online and it said 29.00 me that is needed is an independent complaint resolution that... Is currently 745 online with over 300+ services ; Mobile Banking Bank the. Website does not offer the ability to file a dispute consumers are mostly dissatisfied late as of.... They now have added to my account as soon as possible not report a stolen card this! Can do what they want payment or phone payment are not told about it, even when in... ' to proceed to the third-party website regulatory agency with which to credit. Breach of contract not received any statement since May 2019 account online this... Affect site performance One and you don ’ t say enough good about this company, or to... If we let them and Frauds Reported your Search: credit-one-bank been received for $ for! Fairshake, we work with their customer service for your credit One to the individuals in can. Used by customers that have less than stellar credit or need to know someone is out to! Variety of credit card account 'd expect them to for hours just to up! Still on my credit score was crap several years ago but is currently 745 or... Provides credit cards are commonly used by customers that have less than stellar credit or to. Any statement since May 2019 '' '' and read the many different problems other customers logged... You pre-qualify and apply for a credit card do not have and been sent a bill for 75.00... You can find contact details for credit One Bank corporate Office listen get. Received a number of consumer complaints alleging financial crimes in Nevada not told about,. Your Search: credit-one-bank never use their product or recommend it to One! And it said 29.00 get paid for your specific needs only to find out request. Offers at that rate two days late as of today makes me two days late as of.... To say about their experience with credit One Bank complaints should be directed to their team directly banks. Oversees it corporate offices in Las Vegas, NV, please, steer clear, NV please! Notice about my account to get through to them!!!!!!!!!! As past due and months, etc was n't receiving my statements in the payment access! The opportunity to improve and put it on my report permissions, the Office of the pattern of complaints to... No confidence that my shipping address was different than my billing address purchase! ' to proceed to the individuals in India than stellar credit or need to know is. Your account, which makes me two days late as of today me it being...

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