Credit One Bank

I got a pre-approval letter from Credit One. I completed the online application. It asks you to verify information, which is only used in extreme cases. I then got a response that they would be sending a request for more information. I called and they want me to fax or mail them a copy of my social security card. No way would I ever do that. I told the guy (whom I could not understand) to cancel the application and to delete my information. I am alerting my bank to be on the look out for any wary activity. These people need to be shut down.

They charge a late fee the day before the payment is even due! They have no online contact, and the website rarely allows you to post a payment via online, forcing you to call it in and pay a fee for doing it over the phone!

I got a direct mail offer to open an account. I found out later that they charged $80 to open my account. I attempted to pay twice through their online platform, but they rejected both of my payments without notifying me via email. They gave me a late fee because of that. They suspended my account and I ended up sending them a check for more than $100 (application fees and late fees) without even getting the chance to use my card at all because they closed my account. Thank you, Credit One, you just became $100 richer. That is a great accomplishment. It can't be compared with your outstanding customer service (not really), which does not even have email! I'm $100 poorer, but wiser. Just stay away.

I've been scammed by Credit One too. I can't get into my account, cannot change billing info, late charge posted the day before payment was due, payment not posted to account, tried to pay total amount owed and the payment did not include interest so I'll need to make another payment which costs $9.95 each time. Do not give them your bank routing /account info, which is their free payment.

I have received several phone calls on my answering machine asking for "Chester **." Aside from the fact that Chester has been dead for a year, he was a cat and did not use the phone. When I got a call tonight, I picked up the phone and (eventually) was told that the call was from something called "Credit One Bank" and had to do with collection. The caller (eventually) gave me a toll-free number. I (eventually) worked my way up to someone identified as a supervisor, but all I was able to get was that he would stop the calls. I believe that if these "Credit One" people are not complicit in the apparent fraud, they would want to cooperate in tracking down the perpetrator. This is not the case. In fact, when I asked for an address, all I was given was a P.O. Box. I think most banks have actual physical locations.

The only way that Chester's name is legitimately associated with my phone number is through his veterinarian. The vet knows that he was a cat and that he's dead. I want to pursue this, since I feel that I am vulnerable to other fraud and don't want my credit ruined. This is very frightening to me, and I want to be able to protect myself.

To stop this, send a letter to your state Attorney General, state you complaint in the letter, and sent a copy of this list of these complaints. Mark the ones similar to your complaint. They (AG) will look into this. If enough people do this, Credit One will clean up their act. Credit One could be forced to clean up the negative marks on your credit report. Report them to the BBB too. I'm just three weeks away from applying for a house and Credit One has placed a late payment on my account which will make it impossible to get an FHA loan. I couldn't get into my account online and couldn't get a live person to help me for days. They said their computer was down. They promised no late fee would show up on my account. Well, it's not on the statement part but it's there hidden on another page.

I have had charges on my account. I called to inform them about the charges. Some of the charges include Facebook account, website account, and other changes that I did not charge. The first person I spoke with was very rude and she kept stating that I cannot do anything about it. I called again and I spoke with a different person. I told him that I would like to close my account. He suggested that I change my account number and he will have a new card sent to me and will hold all charges and dispute them. Problem solved, right? Sounds too good to be true, though—and it was! I just received a letter informing me that after all the investigation, they found that I have authorized all the charges; therefore, I am responsible for the charges. This is about $400.00 worth of unauthorized charges. I went online and read all the complaints and found out I am not the only one who is being taken for a ride by this company. Questions: What are we going to do about this? And what can we do about this? This is very sad!

I applied for a credit card as my husband had been getting preapproval notices from Credit One Bank and was approved for a credit card. Originally, I was told that I was preapproved. However, I get a letter stating that they need a copy of my social security card in order to process my application.

I called and spoke to a woman who told me that they did need a copy of my social security card. I told her that I was not going to provide this as I didn't want it to end up in the wrong hands, I didn't want it to be used for the wrong reasons and I've never ever had to provide a copy of my social security card to any company that I got a credit card from. I also told her that it seemed strange that I would have to provide this information to them. I asked to speak to a supervisor or to their fraud department. She would not do this and they would go ahead and cancel my application since I was unwilling to provide a copy of my social security card.

I don't understand why a copy of my social security card would be needed. My husband didn't have to provide this information to them. I'm 50 years old, I own a house with my husband, I have several loans out, I have had credit cards since I was aged 18 and I've been working since I was 12 years old. I'm not sure if anyone else has had this type of situation occur.

I opened a line of credit with Credit One Bank in November. My first payment was paid on their website on time. They never posted my payment and hit me with a late fee. On January, I mailed my payment eight days before the due date. They conveniently posted my payment the day after it was due and again, late fee. On February, I mailed my payment 12 days in advance, including late fees and again, it was posted the day after my due date!

Now, it is March and the check for full payment including late fees was mailed the day I received their bill on March 9. It is now March 25th and the check has not been cashed! So, as you can imagine, another late fee was charged to me! When you call on the phone, there are no other options to pay! The outsourced Indian representatives must be trained to hang up when they don't know how to respond. I will be filing complaints to those who will listen! Credit One is a complete scam! For an $80 charge in November, the bill is now over $230 when I have made timely payments each month. What a rip off!

I have tried to change my payment info (debit card) online. It gives no option to change a debit card, only checking account information. I have called for months trying to have them change it only to be given a lame excuse each time - usually, that they are having computer problems and to call back the next day - every single time! I have tried to delete my online account and it will not let me. This company sucks big time. Once I've paid off, I will never use them again and oh yeah, if you use your debit card, it attaches a $9.95 charge no matter if you're late or early. I wouldn't recommend them to my worst enemy. I asked to speak with the managers and they said that I will only be told the same thing. Complete, useless customer service!

I do not have an account with this company; however, for the past few months, I have literally received no less than 15 calls per day from an 855 number that appears to be Credit One Bank. I do not know why they are calling as I have no account there nor have I ever. They do not leave messages and they do not stop calling! It's really outrageous. At first, I thought these were sales calls or robo-calls or something. But after looking it up, it would appear this is a collections thing, which is odd considering I have never had an account with them! I cannot understand how they even would have obtained my phone number. I can understand collections calls or the like for those who are customers of their company. If you don't pay your bills, you should expect this kind of thing. However, this is not that scenario. It's harassment.

After being unpaid by my employer for three months, I fell behind in payments. I am making payments, just not as high as requested. I have explained all of this to the foreign representatives who call at least 12 times a day. On Sunday, they started calling at 7 AM. I have explained the situation several times, and told them when they can expect the next payment. The posted hours of operation on Credit One website for Sunday are: Collections: 1-888-729-6274 (5AM 9PM from Mon-Fri, 5AM 3PM on Saturdays, and 11AM 9PM on Sun days, Pacific Time). Why are they calling at 7AM? This is unnecessary and excessive. How can they be made to stop?

They call me five times a day. Today, 3/5/2012, they called 11 times. They call 7 days a week. I think that's abuse! I believe I'll just change my phone number.

They sent me a credit card in which I did not activate. On 2/28/12, I get a statement in the mail saying I owe them $75.00 for a card I never activated. I call the customer service number to find out why they are sending me this bill and the system activated my card without me wanting them to and then hangs up on me. I called back and was able to speak to someone (Kevin **) and told him I got a bill in the mail for a card I did not activate and as I was calling to find out why I got this bill, their system just activated my card when I didn't want them too. He tried to make it look like I activated the card and I didn't.

I let him know again that I didn't want the card because there were too many fees. That's why I did not activate it, and when I called they should not have took it upon themselves to activate this card I did not want. He said he was going to cancel the card with no fees and I said okay. As I spoke to a friend of mine, she told me to file a report because the same people did this to her and sent her a bill the next month. Now, she is fighting to get herself cleared of a debt she did not want and I don't want to end up like her.

I do all my banking with my online banking and I have been paying Credit One for years with online banking. The payments go through right away, without a check being mailed in. Well, recently I decided to pay off my balance completely so they requested my bank send in a check. **, why would that do that? So a few days after the check was sent by my bank, my account is late. My check not posted yet. I get that Credit One is a repairing company but this is completely ridiculous. That payment should not be late. And who knows how many fee's I will be assessed now that my payment is late. Calling this company to find out why they requested a check from my bank, they state they wouldn't do that. **! I spent over 2 hours on the phone with them.

First person hangs up on me. So I then request to speak to a manager who tells me the corporate office will contact me the next day. And of course, no call from the corporate office. My check still is not cashed and all they kept saying over and over to me is I can make a payment now. I already made a payment, why would I make another? This is the worst company I have ever dealt with but I continued to deal with them because I was trying to repair my credit. Now they probably have destroyed it. I would cancel out and go with another credit card company but I am not sure I could get the same amount I have with another card. At least not yet. So I am utterly displeased. They used to sucker me with fees for making online payments prior to my using my online banking. They raise prices/rates with no notification whatsoever and all they say when you ask about it is they are a repairing credit card company and are entitled to. How is anyone entitled to raise rates without notifying the consumer first? I would not recommend this company to my worst enemy and they will be writing off these charges because they have decided to sit on a check and not post it.

Bogus charges added to account, payments not being applied to account in a timely manner which causes the account payment to become late and incur a late fee charge along with a 7 dollar monthly interest rate. Bogus charge meaning they actually charged me a late fee the day before my bill was due. Even with Moneygram express payments which they are supposed to receive in a matter of minutes takes a few days before it will post to the account according to Credit One bank.

Wrong amount was deposited for payment. I called Credit One Bank Monday afternoon trying to make a payment of $150. Only $89 was the minimum payment. I talked to the guy and I told several times that I wanted $150 and he repeated it sounding like $150 plus for $9.95 express payment. I go and check my bank account often and it stated that $459 was taken out by Credit One Bank. The individuals in eastern countries need to learn how to enunciate their words. I have no money in my account now. That $300 I will get tomorrow and place that back into my checking account. After this account is paid off, I am done with Credit One Bank.

I was over my credit limit for a few days. I received over 40 calls within 3 days from Credit One, but they don't leave a voice mail message. They simply call, and if they get my voice mail, they hang up. They will later call back within the hour, sometimes within 30 minutes. This goes on all day, and into the evening, until 9:30PM. I have never been harassed so much. I finally answered when they called me, however, there was no response. I hang up only for them to call me back again. I did speak with a man who did not speak clear English, therefore, it was very difficult to understand. He informed me that I was over my credit limit. I told him that I paid online and made the past due amount, and would pay the rest of the bill, before the due date. He accepted that, and there was no further harassment. There should be a limit of calls they are allowed to make to one person. I cannot wait to pay off this card, and never use it again! I would not recommend this bank!

This bank is a scammer. They play with your money on payments made for many days before posting it to your account. Do not use this bank!

I hope you can help me figure out what is really going on with my account. I made a payment in December from my Chase saving account for $25. I've made payments from this account before and I made my January payment for $75 using my US Bank checking account. I went online to see balance only to find out a block has been placed on my account because they can't "verify" my payments. I have no idea what that means. I faxed (twice) and mailed both of my bank statements and letter from the manager from US Bank stating this was my account and the payment came from my account. Now, I'm getting the run around on why they won't remove this block. They keep saying call back next week, call back in 5-7 days. I told them that it would have been a better procedure to notify the customer before you place a hold especially since I've done nothing wrong. Suppose I was checking into a hotel or needed a rental car thinking everything was ok.

This verification of payments should have been removed the first time I faxed my bank statements showing where the monies were debited from. Could you please find out what the hell is going on? Once you do I want to close this account and pay it off as I do not trust this company with this shady practice. Also, I keep getting different stories and I even spoke to a manager last Saturday, January 28 and he said the block will be removed on February 4th. I called to check and not only is it not removed, now no one has my information. I finally received a letter stating if I don't comply with sending the documentation (which I have 3 times) they will close my account and report me to the credit bureaus. For what? Making a payment from different accounts and the money has been debited? Can someone please help me find out what "verify" payments mean? Any help would be appreciated.

I paid my other credit card same way, no problem. I work two jobs and my part time pay is deposited in one account and my main income is deposited in another, so it all depends which account I would like to pay from which I thought I had that right. I'm just upset that no prior notification was given. They should have sent a letter saying if we don't receive the documentation by such and such a date, then we will suspend card and not the other way around especially since I did nothing wrong and I'm being made to feel like a criminal.

Desired resolution: no settlement required but this is a shady practice of not informing a customer before an account is suspended. All of the call center reps are reading from a script. I mean no deviation from reading from their piece of paper with trying to help you. If this was on the up and up, they would have seen my two faxes in addition to what I mailed which should all have been uploaded to an image server for viewing by a call center rep and that rep would have been able to see that my accounts are in my name and the payments came from my account.

Every time I try to log into my account online, I get error messages that tell me they don't recognize my username or password. After speaking to customer service, I change my password and user name and am able to log into my account with them on the phone! The next time I try, even 1 hour later to see if it still works, I am on the phone with them again because I receive the same error message again.

In December, my payment for my Credit One bank card was taken out of my banking account, but Credit One bank is saying that the payment wasn't paid. I don't know what went wrong. My account has not been right since. My account should be paid up to date. I have sent bank statements to prove that I have not missed a payment, since I have had this credit card. I am being harassed every day through the phone, about my payment that I know was paid, and I want it to stop! I have called and called, and cant seem to get this straightened out. Please look into this immediately. All payments will be stopped until this is resolved.

My husband made a payment on a closed account. I called Credit One Bank to try to get my money back. They were rude and unwilling to help me get my money back. I spent a total of 6 and a half hours on the phone in two days, being transferred and getting nowhere. The phone service is located overseas. I am unable to get the corporate office, and/or the management team to help me with my problem. They treat me rudely on the phone. They even hang up on me.

I have had this credit card for years and had skipped one payment last month only to be harassed by phone every day with them demanding I pay them by debit card immediately. The first time I spoke with them, I explained the number they were calling was my mother's and asked them not to call it anymore and confirmed with them that they did have my cell number for which I could be reached. I told them under no circumstances would I be paying by debit card because I would be making my payment by check on the next due date.

Each time they insisted that I needed to pay by debit card immediately and basically asked me why I wouldn't, when I get paid, and they wanted to set up the payment now! Needless to say, every time I talked to them, I had to hang up on them. They just would not stop talking and basically harassing me for something they wanted their way and I told them no. In no way am I giving this company additional bank information. Granted I missed last months payment but so what! I was charged a late fee and I'm paying them by the time the next payment is due. That wasn't good enough and so I just had to hang up on them over and over. I plan on paying them off now and good riddance.

I have had my Credit One Card for almost a year now and "was" satisfied. During Christmas, I ran into some financial problems and sent them a payment for less than the amount due. I knew this would charge me a late fee, which I was OK with and then scheduled a payment for 3 times my normal due for the next payment in my BillPay.

Well, they called me and I explained to them that I could not afford the full payment for the previous bill, but the next payment was for x amount of dollars and it would get to them before the next due date. This was completely unacceptable. He literally demanded payment over the phone by debit card and asked me, and I quote, "How much money do you make? What date do you get paid? Do you get paid weekly or bi-weekly? Why can't you pay it right now? Why didn't you pay the full amount last month? Do you have any friends or relatives that can loan you the money? How much money is in your bank account?".

It was completely ridiculous that I was treated that way. I explained to him over and over that I was sending in a payment on x day from my BillPay of x dollars and that he wasn't getting it today as it affects my budget system and that he would get it before the due date, but he continued to say he needed payment right then. I eventually hung up after this 15-minute conversation and then added the number to my block list. I'm thinking about calling them back tomorrow so I can record the conversation to post on the internet just to show how absurd they are.

My financial situation had improved dramatically in 2011, so I decided to start trying to rebuild my credit. I got a credit card with Credit One Bank, paid for monthly "credit protection insurance" to cover costs, should I be laid off from my job. A few months after I was approved for a credit card, I was subsequently laid off from my job. They denied my credit protection insurance, and refused to work with me, regarding a payment arrangement. Before I was laid off from my job, I was making all the payments on time. When I say they denied the credit protection insurance, I mean exactly that I signed up for it, was charged for it monthly, and when the time came that I actually needed it, they denied it out of hand.

I tried to make a payment arrangement, but because I was laid, off they denied that out of hand. After denying my "credit protection" insurance, and refusing to work with me on a payment arrangement, I was still unemployed, so there was not much I could do. They began calling me more than 10 times a day (including 2-3 calls before 9 AM on Saturday and Sunday mornings). I have finally found new employment, and I am in a situation again to begin making payments, however in the meantime, $255.00 of penalty fees have accrued on my account (which I see as ridiculous and excessive). Actually, the $255.00 is outdated. The penalties, as of now, exceed the original debt. I am ending up owing more in fees and penalties, than the original debt!

Being laid off from my job was out of my hands. I reacted as responsibly as could be expected, and Credit One Bank refused every attempt I made to rectify the situation. Credit One Bank has effectively manipulated my bad fortune, to double their profit (in the process violating consumer protection laws regarding harassment)! I feel as though the public should be warned about this company, and ask that your organization make their practices known, so others do not go through what I've gone through. I believe there can be no question that the amount and frequency of the calls they made, constitute a violation to both the Federal and State respective Fair Debt Collection Practices Law.

I applied for the Credit One credit card as I decided it was now time to work on my credit. After being approved and notified my card was on the way, I ran across another bank that had way better reviews, Orchard Bank. Applied for that card and also got approved. At this point I decided I wasn't going to activate the Credit One Bank credit card anymore and was just going to let the account close. Well, low and behold, I checked the mail last night and received my first bill from Credit One Bank stating I owed $75 for the annual fee due 2/1/2012 on a card I never activated. Needless to say, I was pissed. Can banks do this by law?

Anyways, I called them this morning. Every number I kept calling kept directing me to activate my card and I wasn't about to do that. I finally called the number under Collections on their Contact Us page online. I was able to bypass them trying to activate my card and also was able to speak to a representative named John. Over about a 3-4 minute conversation, I had stated I applied for this card, decided I no longer wanted it, didn't activate it, so now I would like to cancel it.

The rep on the phone asked me if I was sure I wanted to cancel and I said yes and he said my balance would be credited and the account would be closed. Also stated it would take up to 21 days for this to take affect. I'm nervous that if I don't make the payment of $75 that I will get dinged for a late bill and then this company will send this to collections, etc based on all of the negative reviews I have been reading. Anybody have a similar situation? What happened?

This company stinks. Their customer service is terrible. I have paid every bill on time and they still deny charges even when their website shows credit available. They need to be investigated: their practices are deceiving and they take advantage of consumers. I am looking into a class action motion.

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. I inquired as well, and you told me the same story. On June 16, 2011, I made a normal payment of $63.95, and by June 29, you received a check for $523.13 to close the account.

I received another notice of a balance and was told there was a remaining $11.00. I was also told if I wanted to pay my bill immediately, there was a $10.00 express payment fee. Even though I thought this was wrong, I paid $21.00 on July 20 to finalize and pay off this account. This account has never been closed, and I am at wit's end on what to do to get it closed.

On July 20, I talked to a Tracy ** at 12:30 pm who assured me she would get it closed. After more e-mail notices, I called on August 9 at 11:40 am and was given assurance it would be closed and was even given a confirmation number. I was also told a letter would be sent to confirm this. More e-mails came saying I was past due.

I called on September 6 at 10:00am and was told the same story that my account would be closed and a letter would be sent. On September 27, I talked to a Matthew who said he was a supervisor but could not give me a last name according to policy, and he would personally get a letter out to me. No letters ever arrived. I did ignore my e-mail for a time, thinking it hadn't caught up yet with the resolution. More e-mails came, and I called at 10:04am on January 12, demanding that I talk to a supervisor. I was disconnected after waiting on the line until 10:25am.

At 3:30 pm, I called back when I finished work and talked to Stanley, again no last name allowed, a supervisor who assured me he would personally close this account and send me a letter saying as much.

Today, it is January 17, 2012, and my balance is $0.01. I expect more fees and charges to be added on as they have, since I closed this account on and on and on.

What does a person need to do to close an account with you? I don't know what else to do. As of today, I am writing TV stations, the Better Business Bureau, and a lawyer. If this hurts my credit in any way I will take legal action. Saying I want prompt attention to this matter is long past. This is so incredibly ridiculous that I shudder to think how you hold down the people with bad credit (this is who your target audience is) and make them prisoner to your card and fees. Ten dollar fee for making a prompt payment? No balance transfers? No closing of accounts no matter what is done?

Paula **

In early November 2011, I received an offer for a credit card and I knew that Black Friday would be here soon so I applied in order to capture the tremendous deals for the holidays. I went online on November 7 and applied for the card, I was approved for $1000.00. After about a week or so, I logged on to the site to check the status. It only stated that the application was in process. I then waited about a week or so, then called in and spoke with someone from India or someone from another country. I was informed that they needed more information. I also receive a notice in the mail asking for a utility bill or wage statement and a state ID. I mailed photo copies in.

About 7 days later, I called in and someone says that the SSN on file does not match their records and I need to send in a copy of the SSN card and a utility bill. I inform the Rep. that I had mailed my wage statement and ID already, because the letter stated one or the other (wage or utility bill). I then was given a fax number to continue the application process. I faxed over the request. I called 7 days later, they informed me that the application is in process and that was all. About a week later, I received another letter in the mail stating that they needed my ID and another utility bill. I really wasn't going to submit any thing until Ms. Williams informed me that she'd have the documents faxed directly to her to speed the process up. I never heard anything else from them.

On Jan. 4, 2012, I received an email telling me that my card has shipped. I will not be keeping this. As soon as I receive it I will be canceling it and I would like my personal documents back and some sort of credit watch due to them having everything concerning my credit.