Credit One 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.

Credit One Bank, a real joke, the actual bank does not exist, only a small office in Las Vegas. The call centers are in India and in the Philippines. No US call center. They are considered a predatory lender. This is not the company to deal with. File complaints with the BBB in southern Nevada and at the Federal Trade Commission.

They prey intentionally on those consumers with low credit scores. If you're looking to improve your credit with a legit card and a real bank consider these options: A Orchard Bank Card at Orchardbank.com or Household Bank at househodbank.com both of these can pre-qualify you without hurting your credit score. Also try Capitalone at Capitalone.com, they also will let you pre-quailfy without hurting your score. If you cant get qualified with one of those cards, try a secured card through one of the big banks. They all offer them and the fees are comparable to any real card. Bank of America, US Bank, Citibank, USAA, Capitalone, and HSBC all offer secured cards at really good fees that can help you establish better credit.

If you have problems, which most of you will with Credit One, close your account both by phone and in writing. Closing your account will not hurt your credit score unless you don't pay them. If you're late or have unsettled disputes, your probably going to end up with damaged credit. However, there are ways as described earlier to protect yourself. Also, if damaged credit occurs, you can also dispute information through the three leading credit agencies, transunion, eqifax, and experian. You're entitled to one free credit report with each agency once a year. You can file disputes for free. Hope this info helps everyone.

Just checked my statement and saw that they are charging a $1.00 monthly finance charge if you don't use your card. This is in addition to the $ 8.75/monthly fee. This is so wrong. You're penalized for not using your card.

Where do I even start? Well, first off if you are considering Credit One Bank, don't! If I had researched this website and read all these reviews I would not be in this situation! Credit One Bank is a phony and a completely fraudulent company! They lie, cheat, and steal people out of their money! I received a pre-approved. Since I filed bankruptcy 3 years ago, I thought that it would be a good way to rebuild my credit. So I applied. I was approved for a $400 credit limit. After waiting 4 weeks for my card, the next day I got a bill for $87 for fees. I had already used my card which made me liable for those charges!

I canceled my card immediately when I called and could not get anyone to speak English because I was talking to someone is India. I'm sorry, but when I am dealing with my credit I am not giving anyone that can't speak English my info. They call me non stop 15-20 times day/night! Still no English and when you demand someone to speak English, they hang up on you! I filed a complaint with the BBB of Nevada, and they never emailed me back. I guess they are members! Which was probably the smartest business decision this crook company did, because if they weren't they would be shut down! Credit One Bank is a crook. They lie, cheat, steal, and rack up fees. Customer service does not speak English. They call 24/7 and cause harassment.

I don't even know where to start. This company is unethical, fraudulent, and just wrong. I got a pre-approved letter in the mail. Since I filed bankruptcy 3 years ago, I thought it would be a great way to build my credit! If I would have read this website before, I would not have done it. So if you are thinking of getting a credit card, don't do it! I applied and was approved for $400. 4 weeks later I received my card and proceeded to activate it. I then got a bill for $88 for fees. I didn't know until I made some charges on the account, which made me liable for the fee charge! You call the customer service line in Las Vegas and get some idiot in India that has no idea what is going on because they don't speak English!

They call all hours of the day, leave no messages and they even called me on Christmas. I paid my bill and they still call and still no English! I am paying off this card and telling then to go ** themselves. Complete waste of money and not worth the credit rebuilding! This resulted to fees. Horrible customer service that do not speak English! They call 18-25 times a day or night. Rip off! Is this an Obama credit card?

The Credit One logo is similar to the Capital One logo. I applied for a credit card thinking it was Capital One (my error). I received an e-mail saying the card is on it's way at which time I realized it was Credit One. The card arrived and it says you have to call the number within 14 days to activate or the account will close. Then I received notification from ScoreSense that they were reporting to the credit report companies. Next I received a bill for $81. Remember, I applied but never opened an account with them. Yesterday I received an e-mail reminder telling me to call and activate, which I am not going to do. I have reported them to the BBB of Southern Nevada. The BBB closed the complaint within 24 hours (I suspect that is because Credit One is a member).

So I filed another complaint telling the BBB to do their job and mediate. I have written 2 letters to Credit One telling them I did not open an account and to reverse all the damage they are potentially doing. I have written the Attorney General of Nevada to look into Credit One's practice. And now I am suggesting to all others who run into this company to be careful and if they do anything fishy be sure to jump onto them, don't let them ruin your credit or open an account without your consent.

The situation is still in the works. I am waiting for the second BBB response to see if they are going to mediate. I am waiting on a response from the Attorney General. I will be writing up the disputes with the credit reporting companies today. I suspect Credit One will reverse all the actions they have taken in order to prevent further action, but we still have 25 days to find that out.

I am being billed for a credit card I never received. I am refusing to pay a penny.

They give me harassing phone calls demanding a full payment of the credit balance. I spoke to a supervisor then to a manager. I stated that I will not use my card anymore and I will pay it off. I am done with Credit One. This company should be reported to the BBB.

No matter what I pay, Credit One keeps slamming me with extra charges. This is criminal. I haven't even had a card in over 6 months since I cut it up, but I'm still getting screwed. I just made some payments and now I owe more than before I made the payments and I have less credit. I can't even speak to a person, but I can send a letter. These people have been ripping me off and everyone else for too long. What can I do? I'm making payments on time and it doesn't matter.

I would love to file a complaint to the Better Business Bureau and would really like to be involved in anything law abiding that has to do with getting rid of this company and getting these inhumane charges that constantly occur no matter what rules the customer follows. This is ridiculous.

Recently, I applied for an apartment and learned that I had a debt with your company for a credit card I never applied for. I am proceeding to clear this debt to clear my name. I do know the person responsible for these actions that resulted in my denial. Her name is Rochelle ** whom in the past submitted my income taxes. There has also been another claim against this person claiming to be a Mrs. Bobby **. I would highly appreciate a return response and not left on deaf ears. As a credit card dispenser, you know how important my complaint is. Please consider what I am asking of you so that this person can be dealt with through the proper authorities.

I have unauthorized charges on my account in which the cc company is not fixing. They asked for a written letter with my dispute which I wrote and mailed out twice that they claim to have not gotten. I then called and asked for a fax number to which I can fax the request to and the fax number they gave me did not work.

They are the worst credit card company ever--total rip off. They take your fees, then cancel your card. I could not make payments online and their customer service sucks.

I just received the card a couple of weeks ago and wanted to pay the $75 fee right away, so I went to their website and made a payment online using my bank account info. A week later, I got a letter in the mail from them telling me that my payment couldn't go through and threatened me that if that happened again, they would cancel my account. So I went back online and paid again, this time using my bank account debit card. A week later, that came back bad too. I called them and they told me that when they tried to take the money out of my account, it told them that my bank account did not exist. They said they would need a bank validation letter from my bank in order to validate my account.

So I called my bank and went to the local office and asked them to send a validation letter to them and they did. My bank confirmed at that time that there is absolutely nothing wrong with my bank account and even confirmed that Credit One never even attempted to take the money from my account. This place is nothing more than a scam. They try everything possible to make your payments late or tag on fees for this or that. Then I learned that if you cancel your card, your credit score will get lowered. **? They put you in a position where all you can do is pay and pay a lot. This place needs to be investigated and soon before it's too late.

I applied for Credit One bank card in which I read to understand all application disclosures. However, I was not aware if you made your payment on due date eastern, pacific times it would confuse your due date causing it to be late, generating a late fee charge. Again, this was never mentioned when applying. You actually find this out when you go to make a payment online. Suck another gimmick to beat the consumer! I can't wait to pay this account out in full. I am just fed up with company scamming people. As far as everyone's complaint, you are absolutely right especially customer service. They are beyond rude.

I received an offer in the mail from this company and was about to apply, until I read that the fee was $75.00 for the first year! After the first year, it is $99.00 (billed to your card at 8.25 a month). **? Aren't your fees supposed to go down? And another thing, at first glance, their logo looks suspiciously like Capital One. I mean really look at it! I had no intention of applying for a card, but I wanted to check them out, and guess what? When you go to their website, it's not even secure! These people need to be investigated, and shut down.

Credit One Bank has pulled another one of their trick scams from their pockets. I entered the banking information in their website by having my wife read me the account info (Route/Acct. #'s). Then we verified the information after we entered it twice for verification. Well, my payment submitted and one week later it was returned. I was getting called Sunday morning at 7:30am by automated notification of the returned payment. I called their foreign customer service and they immediately asked to verify my bank account number for the returned payment. I began reading the number to them when suddenly the representative cut me off and said my that I entered my account number incorrectly and that was the reason for the returned payment. I told them that was incorrect because my wife and I both verified the number and we entered it twice for verification.

They said that's what I typed on the computer. I asked them to waive one of the two fees for both returned payments of $25 fees and they told me yes, at first. Then they put me on hold to speak to the supervisor, Peggy most likely, and returned saying they couldn't do that because it had not posted on my account. I said it shows a posting date already and it's already charged and I have a reference # for it. The studdering representative then told me to call back and hung up. Scam. Scam. Scam. Avoid them at all cost. Check reviews before accepting their business!

I applied for a credit card, and when I received the first month's bill, there was an annual fee of $75, and a design fee from Las Vegas NV for $6.95. There was no mention of the annual fee when I filled out the application, as I have six other credit cards, and would never have accepted a card with an annual fee. I am paying the balance in full with interest, but I am not going to pay the annual fee, or the design fee. I made numerous calls to them, and was placed on hold for thirty minutes. As soon as I hung up my cellphone, and my home phone rang, with Credit One requesting that I call them back at once.

I think the employees are rude. I have ask them nicely to quit calling me every 5 minutes. The other day, I have over 65 missed calls from Credit One. They do this everyday and they call me all hours of the night. I have told them 8 times I do not have a job. The foreign guy that was on the phone said I had to pay it or else, so I hung up. Well, he proceeded to call my phone 25 more times after that.

They got to understand I lost my job and don't have any income coming in. I will be changing my number on Monday morning to do this issue.

I had received a statement at the onset of receiving my card for $94.00. I had to pay the $94.00 for the annual fee. I immediately paid this timely. My next statement reflected $1.39 for interest accrued on my purchases. I had no purchases - I was charged $94 for the card - that is clearly not a purchase. They refused to write it off. I asked them to close my account and note that it was because their charges were not acceptable. They wanted to argue with me that it will hurt my credit for closing and I still had to pay the $1.39. I told them I had no problem with paying and they were not to worry about my account!

Overall experience 0! On 11-19-11, a rep of Credit One bank, George, between 4-4:30pm spoke with me on phone with such out of order tone, critically abused me on the phone. Listen, train your employees with "customer service" and because of George's unprofessionalism. After this bill will be paid, I will no longer deal with credit card bank.

I have a car loan through them and they have the worse customer service ever. They harass you if you are one day late on your payment. They call you like 100 times a day at work, home, cell phone. I tried explaining to them my situation and they said, "That's not my problem, we need your payment now or we will repossess your car." They never sent me a letter stating why my payment went up to $25 a month. So I called them and they didn't have an answer. I hate this company.

I get a phone call every 30 minutes or so. This is called harassment. I am paying my bill and this harassment needs to stop .

My bill for credit one is due on the 27th of every month. I pay my bill on the 15th of every month. On the 20th or 21st of every month, I begin receiving harassing phone calls from credit one representatives located in India. I have asked to speak to a person located in the United States, and in return, I am put through to the automatic system.

Calls every 30 minutes, everyday, even after making arrangements to pay. I was threatened and harassed by an associate named "Haley".

I have had Credit One credit card for many years. They have been helpful to get my credit established. That said that my credit is now excellent and I have them totally paid off. Every month, I receive a bill for $9.00 and interest charges of $2.00. Why don't I just close the account? It will affect my credit score.

They call every now and then to offer me a credit increase of $100 if I agree to pay $25.00. My limit is $1,475 with high interest. This bank (or whatever it is) needs to be reported and come more in line of other credit card issuers. Do not recommend this card to anyone.

Credit One is a scam. Even after you closed an account, they try to charge you monthly fees. I refused to pay them. I said can you say charge off if it can only lower my credit score by 40 points? The first thing you need to do is change your contact info. It's simple to do and at their site I changed my mailing address and my phone #. So, they can't even try to harass me. I have not made a payment in 7 months and have not seen a bill. Like I said, it did lower my credit score but they had to charge off $ 545. So who cares? I have other credit cards.

I called to set up a payment plan to try to get caught up on my payments. I talked to one guy first. Then, he transferred me to the manager George. He asked why I was getting behind and I told him I didn't have the money. Then, he told me, "Well, didn't you just get paid?" Well, yeah but I had bills to pay. I have to support my children, have a roof over their head, and lights to live with. He had no reason to ask these questions. I was calling to set up something to give them money and I have to go through all this. Then, I told him that I can set up a payment for next week. But he needed money by Friday. I told him that I can borrow it. He asked me who I can borrow it from. And he called my mother on 3 way to make sure I can get the money. I thought he was really rude. So, we got that straight. Then, yesterday evening I got a call again from them and they realized they have already talked to me today. They said, "I don't know why I was calling you back."

I have had a credit card with Credit One bank for a little over a year now. Today, I went to their website to make a standard payment which is free, and the site wouldn't let me, so I called in to make it over the phone. Well, after going through the options of press 1 for standard or 2 for express, I press 1 for the free payment, and when I was transferred to the payment agent (who I could barely understand and was rude), I was told that I can't make free (standard) payments over the phone. I don't know why they give you the option then.

I speak to a supervisor who was no help either and told me to call customer service. When I do call back to customer service, I am told that there is a pending payment from when I called earlier to which I replied, "What account?" because I didn't give them permission to make a payment. Anyway, to make a long story short, they are the worst customer service people I have ever met. I seriously felt like Capital One commercial where the lady calls in and it's a small shack with people who can't speak English and they keep transferring her back to a guy named Peggy. Lol. It's horrible. I'm going to pay them off by mail tomorrow and never deal with this company again. What a rip off!

I have had a credit card with this company since 6/2008, almost 3 1/2 years now. I have made my payments on time for every single month I've had the card. I am paying a ridiculous APR of nearly 24% and called just now to request a lower rate. Before I finished my sentence, the foreign CS woman who answered the phone said "no" in a barely recognizable accent.

I asked for her supervisor as I have been a loyal customer for nearly 4 years now who makes all payments on time. I don't understand why most other credit cards are willing to negotiate this but Credit One is not. She had me on hold for ten minutes before returning to tell me that the supervisor was unavailable. I hate this card!

Between the $10.38 I'm being charged monthly from my interest rate and the $9 annual fee plus the $9.95 to pay online, I don't even think my minimum payment would cover these charges.

I have had my credit card and have put up with making "express payments" for months now. And with that being enough, I had insult added to injury by a rude, poor-speaking foreigner who refused to help me make a standard payment. This company seems to try to force "expected payments" to the tune of $9.95 monthly! Someone in authority needs to do something about this practice.

This Credit One is the worst experience I've ever had with a business. This shouldn't even be a business. They are ripping off everyone and if you don't catch the tiny little mistake charges, they'll just charge all the tiny little ** fees every month. No wonder they won't let anyone send them an email to complain, which they act like it's for our own safety. I can't wait to pay this off if they ever let me. I don't even have a card anymore, but the balance never goes down. When I pay, they just add some more fees. Crooks. I'm pissed.

I have not had good experiences with Credit One when I was going through chemo treatments. I fell behind in my payment and when trying to explain to a man named Chris, he had the gall to laugh at me. Right then, I didn't care if my payment was made on time or not. I have never dealt with such an unfeeling person. Now my payments are late all the time because I have no job. I have questioned them and told them they are harassing me by calling 20+ times a day. They assured me they weren't calling that many times a day. When I confronted them with their phone number they had to back down some, but the calls still continue. I am about at my wit's end with such an egotistical, lying group of people.

I applied for a credit card online and they have approved me for $300 credit limit. I thought okay, terrific. So I applied again for a separate card for my husband. They replied back online that they were going to need more information from him and he should receive that in the mail. Well, a few days later, we received a letter requesting more information.

These jokers actually has the nerve to ask for a copy of my husband's Social Security Card! Who does that? Why on earth would they need that? I feel foolish enough that you have to always provide that information when you apply. So why do they need a copy of his card? I smell a big rat! And given all the negative comments, I hope that I don't get ** because I applied. I assure you that I will never activate the card! Thanks to all for the warnings!

The customer service agent left a message on my cell to contact Credit One. I contacted Credit One on the same day, Sept. 18, 2011. His concern was with regards to a payment that did not process. I, Regina **, gave him all the information necessary to proceed with the re-entry of the information required, necessary to re-submit for payment. That went through. Well, you disregarded my ability and rights to make decisions. And you choose not to acknowledge my rights as a cardholder and person who has access and the rights to make electronic decisions via my checking and savings account. This causes me great concerns. Therefore, I am canceling the credit card. As a result of you temporary suspending my online portion of this account without an explanation to me, I choose to close this account. And you can submit to proceed with that request formally. You do not need to contact the other person on the checking account with this request, because they are not on this credit card account. Thank you. You temporary suspended my account (acct # **). I do not at all appreciate your business.

Why is it that every time you make a payment with Credit One Bank, they charge you a fee of $9.95? Why do they take that payment off your credit card and why is it that your apr is 24%? Also, why is it that your interest rate is high and your annual fee is being charged every month? Obviously, they're taking $19.90 from me a month and giving me an apr for 24%. I am being charged $8.00 a month just for the interest which is ridiculous! This company needs to be investigated as soon as possible. They're using their customers instead of helping them.

Every time I have contacted this company, there is always something. I have been charged late fee for every single month I have paid on time, I was late once. They used to charged me $25.00, now they charged me $35.00 late fee because they said that the late fee is based on what I have over the limit on that account. I wouldn't be over the limit in the first place, but with the new charges they had imposed me, late fee plus interest of 24% plus! I had enough. This weird people, they have a response for everything you say. $9.95 dollars to make a payment, if you lose your card it's $25.00, late fee every month? $25, now 35. This is a scam company. Every time I would call them, it's like they are from another country. It's hard to understand them and they are rude. Now, I still have the same debt amount I had with them and more after being paid $75.00 for letting me use this credit card.

I just wrote a complaint yesterday. And then, I realized something else. My annual fee taken out monthly has been raised without my knowledge. It is now a whopping $99 per year. I have the legal right to opt out of any such increase but if I am not notified, I have no options. I spoke to their rep about it. She said that back in April of 2011, I was notified it would be going up in June. I then asked her if I got a notice in April of an increase in June. Why did it not go up until August? She had no response. I have all my invoices from them and could find no such notice. With all the problems I've had, I went so far as to ask her if Credit One was actually a bank.

It seems that no matter when I make my payments, Credit One Bank holds my funds. I pay online with my checking account, and the money is usually taken out the same day from my account. It takes no longer than three days (per my bank). I just made my payment on 9/20/2011, and my funds are not available until 9/28/2011. I believe this is their closing date. Even if I made it last week, the same applies.

I had a big argument with them when they told me that the money goes to some government agency first. I thought it was a law that the posting had to be on the day they receive the payment. They have my money immediately and I should be able to use it immediately also. They are using the extra time to hold onto the customer's money to invest and make more. If I didn't need the money at that time, I never would have used the card they sent me. They are horrible to deal with. Scam? Maybe!

These people are terrorists. My payment is not due, and they agreed and said they would stop calling me. What they did was, they tripled the amount they called with no one on the other line. They didn't care what time of day it was and all they said was, "I understand". But for my own benefit, I recorded everything they said. See you in court!

Obviously, this bank targets consumer who has experienced recent credit score plummets, due to unemployment, foreclosure, state of economy, etc. They charge you $9.95, if you want to make a payment by phone, even if it's to avoid a late fee of $25.00 on the due date. And they use EST, so if your payment on the west coast is not made by the EST deadline, then you are also issued a late fee, even if on same day of due date. There are sneaky fees at every turn.

Just want people to be aware that not only do they charge a fee to set up and get the card, but they also charge a daily fee just for using the card. If you (monthly) get a bill and pay it in full on or prior to the due date, you are still charged interest just for using the card. It's (per them what President Obama suggests) a finance charge on the average daily balance. So regardless, if you do not carry over a balance you are still being charged, a finance charge for the average daily balance of the prior month's usage.

Customer service was terrible in explaining this and just kept reading canned message that this is what President Obama's credit card act suggests.

I enrolled in a Debt Management Plan while my account was in good standing in April. I contacted Credit One Bank and made them aware that I was doing so. The representative at that time alerted me that my account was in good standing and there should be no issue with Credit One Bank accepting the proposal. One month later, my debt counselor made me aware that the proposal has remained in the pending status since the submission in early April of 2011. I have been back and forth with at least two dozen different people. Credit One Bank purposely left the proposal pending. My Debt Management company is submitting proposed payments anyway to this date! But they are still calling and harassing. I will not compromise and insist that I pay all the late fees before they approve my long pending (by their doing) proposal. This company is a scam. They prey on the non-financially savvy and will further wreck your life.

First, I want to say that credit companies that take advantage of people at their lowest moment (after BK) are lower than bottom feeders. I opened a card with them after my BK was discharged. I wanted to start establishing credit and they gave me a $300.00 credit line with a $75.00 fee and so, available credit was $225.00. I have had this card for 2 years now and my credit has increased to $650.00 but not without cost.

Every time they increase your limit it comes with a price; whatever they want to charge you on that day. My first increase from $300 to $500 was "free" but then, I noticed an increase to $650.00, a $150.00 increase, and they charged me $75.00! Then, I had my wallet stolen and had to cancel my cc. I was told that they would be imposing a $25.00 as lost/stolen card replacement fee! Then, they had the gull to ask if I wanted a credit line increase of $100.00 that would cost me $25.00. They didn't volunteer that information. I had to ask what it would cost to have an increase.

After I told them, "Absolutely not," I also told them to keep their card and that I will be paying them off and closing this account. They said it would still cost me $25.00 to change the number on the account! These people seriously need to be shut down. They are taking advantage of hard working people who are trying to just get through this life.

I contacted Credit One Bank on 08/29/11 around 4:15pm CST. I spoke with a Fred and asked why was I assessed late charge on 08/26/11, which was the day before my payment is due on 08/27/11, which fell on a Saturday. He explained to me how their system works with charging fees. I asked how can I get a credit back since I did make my payment on my due date. He told me he was unable to refund my late charge of $35.00. I then asked for a manager and was transferred to Amy ID# **, whom then explained to me I supposedly made my payment after the cutoff time of 2pm EST on Saturday. She, too, refused to waive the late charge. Again, I then asked for her supervisor which she said was a person by name of Kim who was not ever available.

I was kept on hold for 48 minutes then spoke with Katy ID# **, who advised me her supervisor was Kim as well. This Kim person is never available, however, she too supposedly explained the fee is charged but if I had have made the payment before cutoff time, then it would have washed out but still refused to give me my money back. I made my ** payment on the due date 08/27/11 of $37.00 and was assessed a late charge the day before on 08/26/11 of $36.00. I am highly pissed at this kind of practice. I am a single mother of 3 children struggling in school to better myself and constantly getting ripped from credit card companies with bad business practices like Credit Bank. This is not right, we have consumer rights. Something needs to be done.

I applied for and received a credit card with a limit of $300. I never made a transaction on the card. I did not realize that when the card was sent to me. The company automatically charged me a $60 annual fee.

Since I never used the card and it sat in my house, I didn't think to check the account. I started receiving harassing phone calls up to 20 a day. When I finally spoke with someone, they told me that I owed almost $200 in interest and late fees on a charge that they put on my card, not on any money that I borrowed. They have now sent my account to collections, claiming I owe them $527.27 in fees on a card I never used, even though I did pay the $60 for the annual fee.

It is ludicrous to expect anyone to pay over $500 in fees and interest on fees when they never even used the credit card!

Credit One Bank is a fraud. They gave me a credit limit of $250.00 and asked that I pay $165.00 to the account first. So, I did it in order to establish my credit. They would call me a few times a month to pay more money than the minimum payment. Then, in May 2011 they closed my account without prior notice or warning because I missed my payment. Every time I would call them, its like they are from another country. It's hard to understand them and they are rude.

My husband has been out of work due to leaving the military. He just went back to work this week and will be leaving for Iraq in a few days. Credit One has harassed us repeatedly in the past few weeks even though we have told them over and over that they will get money when we get a paycheck.

They have called every day 6 or more times an hour. Even after I told them that he was deploying and that we didn't want to be harassed (considering they are asking me, the one who is not the account holder about how I am paying my bills), the entire time right before he leaves, they continued to do so.

I have had enough of the harassing phone calls. I will be closing that account and they will not be seeing any more of our money after I pay the balance. They do not listen nor care about the strain that they are putting on me.

This company is terrible. Right now, I'm past due on my account, which I've told them over the phone the exact day that I will be making a payment.

They called me yesterday telling me that I just need to write the confirmation number for a payment that I am making to my account from a debit card I used to make my last payment. After refusing to give him the information he was asking for on that card, and insisting that I will be returning the phone call when I get home in about 30 minutes, I had to hang up the phone.

Yesterday, they called me 18 times within 1 hour.

Today, I am up to 6 calls in the last 5 minutes.

This is completely unreasonable.

i have a balance due ,and i have been under alot of financial strain, i explained to them that i agree that i owe the money but i have to pay my more important bills first. they call me and harass me at least 10 times a day and even called my work (getting me in trouble) i have asked them repeatedly not to do that and they still are harrassing me, i told them as soon as i was able i would send money. im tired of this and i want them to leave me alone. they have even called asking for alternative numbers to my kids.

I make a payment, it comes out of my bank account and Credit One bank does not apply it to my account for 7 days unless I pay $9.95. Why are they getting interest off my money for 7 days unless I pay them extra....this is a huge scam!!!!!!

This information should help consumers file a complaint against this financial institution. You can find out if this bank is a federal bank or national bank. Call these numbers to file a complaint against any bank: if it's a national bank (occ-1-202-874-4700), and if it's a federal bank (otc-1-202-906-6000). They will investigate these financial institutions.

The terms and conditions seem to hide the fact that you get charged at almost 24% interest on your charges even though you payoff your bill every month. They can not tell you a straight story. I asked the same question 3 times (using examples) if you have a credit balance they are not sure if you will be charged interest. They also do not know when and if you will be issued money back for your credit balance. When I asked for their address there was a confusion as to what they say they are in Henderson not in Las Vegas (did not even know the proximity between both)

This is being taken to court. After Credit One demanded to take an amount from my checking account for payment, it ended up costing me $215.00 for an overdrawn account that several other creditors used. This was my grocery money for the month. Their ignorance and harassment lead to closing that account. They called with threats and promised me trouble. Then they went and tried to collect more money and found no account. While they said I authorized this; not the account being closed and never asking me for the new account. They ruined me and now I think I should go to court with charges against them. They will never get another dime from me. I'm on Social Security Disability and I need meds and food at the same time. Tough luck with my credit score.

I, Patsy **, have a balance on my card of $368.22. They were calling on my cell phone, harassing me about their money at least every 20 minutes. I told the gentleman on the phone that I am unemployed. I'm not receiving any unemployment because I just went through an appeal. Then, I'm really getting stressed out from them. I told them they will receive payment from me at the end of February, when I receive my taxes. Please make them stop calling me. Next, I'm going to have to change my phone number because of this. Thank you.

I would appreciate any help i could possibly get. Thank you.

I have not received my statement from them for November, so I went online on 10/29/2010 to check my status and it said that 11/27/2010 was the due date. I'm here today to make my payment on 11/26/2010 and the online statement shows that it was to be paid by the 23rd and it would not take my payment today. So do I go to Obama to get this bank closed since they are not doing business in the right way? Or to the Nevada Attorney General? What do I do from here is my question.

I just want to add to the growing list of complaints about Credit One. Yes, indeed they are nasty! My complaints include all the previous remarks made by consumers: not being able to access credit for 5 days after payment, rude CS personnel (if you can get anyone on the phone), inability to contact CS via email (very strange) and unheard of in this day and age, increased high interest rates (whether you pay your bill on time or not, and lying about waiving late fees). I would highly recommend that anyone dealing with these crooks to do as I am finally doing, bite the bullet and pay the **** bill off no matter how much it hurts! Good riddance!

I received this card in the mail and when I activated it, I couldn't use it and I then got a bill for $75.72, minimum payment due of $25.00. I see on the computer that this is a scam. How can people do this? I was ignorant to the fact that this could happen. What happens if I don't pay this and just send the card back?

I have a credit card with Credit One bank. I have tried to keep up with the payments and paying on time, I was paying $125 a month and noticed my payments were not coming down. I called and they would not work with me and what I was paying went to over limit fees, late fees etc. so what I was paying was at $10.00. I told them I could never get the card down and will they work with me. The answer was if I could sent $534. it would help. I told them I was not working my part time job and I was on a fixed income (I am 68 years old). Now they have harassed me with phone calls every 15 minutes, and I am now in collections with two different agencies. They are the biggest crooks and will not have a program that will help me. What am I to do ? Help!

I received a call that I was late on my payment. I had already sent out one payment through my online banking. They called and said I needed to make a payment over the phone for the account to become current. They said they needed $75. I wouldn't make a payment over the phone. My husband spoke with them also in regards to a 29.9 interest rate they say cannot be lowered. I sent them another payment 2 days later and another payment after that. I got a call from a very rude man from the company today asking for the whole amount due. I explained that I have already sent out three payments and I was not going to make a payment over the phone again. I have had this card well over two years and because of the interest rate being so high, there were times only a few dollars actually went towards the balance of the card. I wish I had never dealt with these people.

I have been deployed to Afghanistan since January 2010. My wife received a phone call from a collection agency in April telling her that my Credit One account had been sold to them and they agreed to settle. She paid them in full on 4/23/2010.

Just yesterday, my wife received a call from a different collection agency telling her that Credit One had sold my account to them. My wife told the collector that this debt was already paid in full. Exactly how is it legal for a company to sell the same debt to several different collection companies and then not let them know once the debt is paid? My wife is now having to prove that the debt was paid in full. The only damage is emotional and the stress on my wife as she's the one having to deal with this while I'm overseas.

My husband and I went out of town, while out of town we received our Credit One Bank bill, when we returned home I wrote all checks for all the bills that had come in during our abstinence, including Credit One Bank. I received a call on 10/5/10 from Credit One Bank, stated that my bill was overdue and I needed to pay $25 with my debit card. I explained to them that I had sent a check and I always have paid over the min balance due and this was my first time being late. That didn't matter. I told them I would not give my debit card over the phone and the person got rude, I handed the phone to my husband and he found out the guy was in India and he also wouldn't let my husband talk to a manager. The customer service was very rude.

Applied for and received a credit card. I went online and paid the fee immediately. Ditto with the other charges. All of this within a three week period. Then the website would no longer accept payments for a full week after the second statement closed. The current bill received yesterday and dated 10 days ago, showed an interest charge. I called to complain and was told that the interest starts the day the charge goes through. This bank is a rip off and takes advantage of people who are desperate. They should be reported and closed down.

I have been trying my best to fulfill my obligations to this creditor. They refused consumer credit counseling and I have continued to try my best only to find that I am continually charged late fees monthly. My payment due date changes every month. I would assume coincidentally to coincide with my payment arrival. I am unsure how to handle this as my payment due dates are never the same so I cannot even set up any type of direct payment to avoid anywhere from 29-35 dollars per month in late fees. My current balance would be in the negatives and they would owe me money if the late fees were based upon actually being late or if the due dates would remain the same from month to month without fluctuation.

Six months after closing and paying off my balance with Credit One's credit card, I received a bill for $8.25 in fees. As stated, the card was paid off and closed yet they still billed me. The notice stated that if I didn't pay, they would add $35.00 for late payment. Imagine if someone panicked and paid their $8.25 instead of ** to the company. This company could ultimately be making money from people that are not their customers.

These guys are taking our payments and sending a confirmation letting us know that they have received it, but will not post the money for a week or so. I don't know what is going on, but this just started happening in the last couple of months. I am not able to access my monies till it gets posted a week or so after the confirmation of them receiving it.

Two different people told me that if I paid by giving my checking acct. #, the late fee would be waived. Told them I would not give out my acct #'s, got very rude, but kept trying to assure me that my #'s would not be given out. I still refused. Will see if I'm charged another late fee next month. Also, will see if they will release my account to use, as I am not over the limit!

I applied for this credit card and was approved for a credit limit of $400. I received my statement a few weeks later charging me for this annual fee and my credit limit was really only $301. So I paid the amount due which was $25 yet I never actually received the credit card! I called Credit One and told them so. I got the same representative 3 times and she hung up every time I requested to close my account because I never received the card! What a rip off! They wanted to wait another 7-10 business days to see if my card would come and told me that I was still responsible for my next payment!

Took Credit Ones Offer to rebuild my credit a few years ago. On April of 2009, I thought I was having heart attack and went to emergency room. I was kept two days for tests and missed some time from work. I was close to limit and called Credit One to explain what happened. I was paying for some sort of insurance each month that was suppose to help me. I find out you have to be out of work for 15 days and ongoing medical care monthly they told me. I told them I do have ongoing medical care from the cardiologist every 3 months. Meantime, I get hit with late fee, over the limit fee and the interest.

Next month and for a few months after, I paid the original minimum payment but continued to get the fees so the money went for nothing and the bill went higher. I wrote them a letter explaining the reason and the hardship and their reply was, "sorry there is nothing we can do". I just gave up and let it go. Now, it is in collections and they have called me three times - three different people with settlement offers that you'd have to be a fool to accept and one said the company would have no alternative but to sue. Well, I live on a fixed income now. By the way, I was only able to get through to them by phone once and it was brief before we became disconnected.

I was sent a bill of $75 for a credit card I never applied for. I don't want a credit card from this bank and have never received a card from this bank and currently do not wish to either. Thank you.

Credit One bank billed me on July 24,2010 for a credit card that wasn't activated until July 29, 2010 which resulted in a 35-dollar late fee which should not have been so. There was no where in writing that stated you would be billed as soon as you apply for the card or before the card is activated. Therefore, I should not have had a bill until the following month.

This resulted in a unfair late fee and is ruining my credit. This is like a scam credit company that is only trying to get rich quick.

Tried to make payment on credit card.Gave checking acct.#. Two days later, money was never taken out. Ended up getting late charges, over the limit charges and I was misled by customer service. I proceeded to make another payment of $140. They told me I would get a $10 credit for more than a $30 payment but I was charged $9.95 fee for putting payment on acct in 24 hrs. I later learned that I could only get $$100 of the $$140 payment and the other $40 in five business days. Customer service was rude when I questioned methods. They keep adding fees and charges and keeping my acct. non current. I tried to pay annual fee with no avail. They told me it had to be paid monthly.

I rented a car from Hertz online via Priceline. Hertz added a $140 hold on my credit line. I returned the car 8/16/10 but the hold was never removed and continues to show a pending transaction. I called Credit One 8/18/10 who stated that Hertz has not released the hold. I called Hertz 8/18 and they sent info to release the hold. Credit One claims they didn't receive it. Hertz sent info electronically twice on 8/20/10, which Credit One says they did not receive.

Credit One advised me the hold would be released on 8/23/10 or when the merchant contacts them to verify the release. Hertz asked for fax info & faxed them to (702) authorization release at Credit One Bank. Credit One received the info but still won't release the hold. I made payment online on 8/20 and part of these funds are not available because of the hold.

I have rented cars several times (almost every weekend) & have never had funds held for this length of time. I reserved a rental to pickup on 8/20/10, but I cannot access funds on this account and had to cancel. I paid online but can't access all of the funds because of this situation. I have spent hours trying to remedy this.

On Wed, August 18 2010, I called to find out what was the reason for holding up my available balance when I made a payment over the internet on the 16th which was taken out of my bank account on the same day and credit to there account on the following day. They insist there is a waiting period until the 24th for bank verification. And I said, while I had my bank on the other phone, that my bank said they received the funds already and they would fax a letter to them stating the verification of the payment. But they still would not release my available credit, but they will keep my funds and make interest on my funds in their account and everyone else who chooses standard payment to forgo the $10 fee for overnight payment.

Still on hold for over 1and1/2 hours and still not one supervisor will pick up to help me, I even said, "Release my funds back to me and I will send you a check," since when they received a check, those funds are available as soon as they are processed which takes overnight. So tell me this is not a fly by night company and they are so taking the public for a ride. Hope someone can help me since you never know who to trust anymore with your funds.

You get sick, almost lose everything and now try to rebuild your credit with these fly by night companies who take full advantage of you because no one else will help you get back in good standards with your credit. Sorry, I got so sick and had so many surgeries and landed in a bad spot, not able to work anymore and live on social security. As if that is not hard enough that you have to fall into the *** traps these fly by night companies who promised you to rebuild your credit and all you do is fight a losing battle. Someone help me so I can get this matter straight and so no one else goes thru the nightmare I am in.

I opened this account in 2006. Credit limit was 400.00. I have not used this card since 2006. I have paid on this account since Sept of 09, 407.00 and now have a balance of 481.00. This seems so wrong and unfair. I think this would fit the term "predatory lending". I cannot get to a person that will help me. I keep getting transferred until they tell me they can no longer hear me the connection is not good. The way of doing their business practices seems to me unlawful. What can I do?

Today after reading all the complaints, much like the Aug 11 complaint, I've decided to not fight them but now let those ** get blood out of a stone; I'm 63 with a judgement proof income of $760/mo.

On July 16, 2010, I mailed a payment of $100.00 for payment on my account. My statement shows they received my payment on 07/20/2010 before due date. Then it shows Credit One Bank stopping my payment of $100.00 to my account saying NSF. My personal bank has proof that funds were there at this time and faxed them my statement showing funds were indeed there with a lot more than $100.00 in my account.

I have called Credit One Bank and asked why they have the right to stop payment and then charge me $29.00 for return payment on 07/23/2010 and then late payment fee of $35.00 on 08/01/2010.

This is not the first time they have done this and my bank even had to help me resolve this. All I want is for them to either produce the check they stopped payment on and apply it towards my account and drop all charges because of their actions not mine. I want a pay off balance so I can close this account and warn everyone that I can, of how crooked and deceitful.

I am going to find an attorney to help me charge them with bank fraud because they are billing not only me but other poor people. I also want a complaint filed against them and I am really not sure if it will do any good, but I am hoping their doors are closed for good. I am a disabled vet and I have had an aneurism on the brain years ago, diabetic with insulin, high blood pressure and things like this raises all health risks of another aneurism because of blood pressure rising. Can't sleep because of the run around that I get and I try really hard to pay my bills, which is hard on social security.

I have had an account with Credit One Bank for years and until recently the only complaints I had were about their high fees and interest rates and charging to pay through their website. About three months ago, I paid off the balance I had carried for about a year and was surprised to see charges continuing on my account. They are charging an annual fee every month plus interest on the fee.

I called to cancel the account. I was offered a higher limit, to have the fees waived for 3 months. When I was refused, the woman on the phone informed me it was part of the process to ask my monthly income. To close my account. I refused without too much effort in overcoming rebuttals only to find out they charge you $6.50 to cancel an account and my annual fees will continue to come through for the 21 day processing period. Customer service is apathetic, slow, and mechanical. Needless to say I will never do business with this company again.

I called in July about my credit protection. I did not authorize anyone to use this to pay my bills. I strictly called about what I had to do to use it. I was told to continue to pay my bill on time and they would send me a form to fill out, and when I returned the form that they would revue it to determine if I qualify to use it. I received the letter and decided it's too much a pain and that I would just continue to pay the bill. I went to use my card to discover that they had frozen my account and made a payment on my behalf without my consent. I was infuriated and called customer service. After spending 20 minutes on the phone with Sandy, she transferred my call to Justin.

Another 40 minutes and I was assured that the problem was taken care of. They cancelled my credit protection, and I could proceed to use my card like normal. This was on 8/6/2010. I called on 8/7, talked to France (ID no. **). The guy gave me nothing but run-around for 45 minutes so I called back and talked with Jeremy. I was told that credit protection did nothing; I would receive a call on 8/9/2010. After I got no call, I called customer service again and talked to Lamb (ID no. **) this time. He told me that he doesn't care if credit protection made a mistake, and I would have to wait to talk to one of his higher ups later today. We will see.

This company has the worst customer service I have ever seen. Stay away! I have paid my bill before time ever since having the card. I have made more than minimum payment every single time to only get screwed. I needed money for gas and some grocery for the kids and can't use my card. We're gone without for 3 days now and they just don't care.

I have received several bills requesting a large payment. I have never had a line of credit with this bank. I realized that my identity has been stolen, and tried to dispute this payment. I have not heard anything from these people in months, and now have gotten a bill from one of their debt collectors in the amount of $988.27. One of the addresses listed is a P.O. Box. I am currently living out of the country, and cannot meet with anyone to discuss this case. I have been married for 3 years, and this bill still has my maiden name on it. This needs to stop immediately.

I was charged a late fee for paying my bill too early. I paid my bill a day before the cycle closed. When I received the statement, I disregarded it because I had already paid it. When I went online to pay my bill for the next month, I was informed that I was late because I paid twice in the same billing cycle. After several calls and much frustration, someone promised to take the late fee off of my account. it has not happened yet! I also requested another copy of their policy and rules. I have yet to receive that either.

Two years ago, I found a fraudulent account on my credit report. A credit card was opened under my name and SS no. at an address I had never lived at. Credit One Bank keeps reselling my debt to different law firms who I must continually dispute the debt with, and I can't get it removed from my credit report unless Credit One Bank acknowledges my dispute. Credit One Bank will not let me send them the incident reports or directly dispute the charges with them, so I'm left with no way to remove this debt or to completely stop collection agencies from harassing me.

They told that if I paid my card off, they would reinstate it. Then, I called back and they told me they wouldn't do it. All they had to do was to tell me the truth. What a scam!

I called to check my balance with the automated machine. It informed me that my 7/3/10 payment was returned by my bank unpaid. Let's get one thing clear, I always have money in my account and never had anything bounce in this account, ever! I called my bank to find out why it was returned unpaid and they informed me that check was never deposited. Now, Credit One wants to charge me bounce fees, late payment fees etc.

I have 3 other credit cards and never had dealt with any bank that had representatives and managers who treated their customer with such lack of respect. They are like terrorists who make unreasonable demands and have no sense of professionalism. Every month, I get calls, sometimes at work, from the Credit One threatening to report my late payment of 10 days to the credit bureau. It is my understanding that unless it is past due 30 days, it will not be reported.

In this difficult economic environment, I am still responsible for the consequences of my payments and making my payments within 30 days of due date. I wanted to sell my car and the buyer asked Credit One for the 10-day payoff document, they refused to release the document until I make another payment. They threatened to create a situation where the buyer won't be able to purchase my car. I am in disbelief and disappointed that an official organization like Credit One Bank is represented this way with manager taking the situation personally, using bad language and manners.

calling a customer service # on a pre-approved card instantly activated with fees and dating policies that make it impossible to pay down. a 250 credit line is getting me calls from people with the name "jcc christian & sons" (Blasphemers) telling me i owe 1200 to a company they can not provide me the details of other than the name resurgent capitol. Their repeated calls have damaged the batteries of several cordless phones.

Lender will not provide account details, misreported payment history and balance, rude calls all hours, informed family & friends of loan status, potentially altered loan documentation, did not register vehicle when purchased.

I am calling for my mother who lives in Jackson, Ms. About every hour day and night a call comes in from Credit One Bank. Most of the time there is no one on the other end. The problem is she is an Eighty year old woman living alone in bad health and has problems sleeping. I am hoping that someone in authority at Credit one Bank can find a way to put an end to these harrassing calls. And maybe we won't have to seek legal means to have them stopped. Thank you very much.

the same day my payment was supposed to be in my available credit. I asked the clueless CSR to refund my "Express payment fee", as a six business day hold is NOT "express", which of course, she refused to do. Into the sock drawer with this one. Should have known better, being Credit One is part of the Sherman group, one of the biggest and shadiest Junk Debt Buyers in the US.

This credit card company delayed posting my payments. I've mailed my checks at least two weeks in advance just to avoid their ridiculous $9.95 online payment fees.

There were two occasions when I made the payment and it cleared my bank well before my due date and yet they claimed I was late. They charged me a late fee.

I think they do this just so they can make millions on late charges.

The few times I did decide to make an online payment, it cleared my bank and still I was forced to wait 5 business days for my funds to be available.

The customer service representatives must deal with thousands of upset consumers daily because they all react the same, either apathetic or just obnoxiously rude.

I called Credit One and got a rude, smart-aleck rep on the phone. She referred to her self as Mary **. When I asked to speak with her supervisor to file a complaint against her, she outright refused to transfer me to a supervisor. When I called back, I couldn't get a rep to transfer me to a supervisor to file a complaint. Outright rudest and worst business I've ever dealt with. Avoid this business at all costs.

A few years ago my wife and I lost our business, and our credit along with it. In late 2008, my wife got a pre-approved credit card offer from Credit One bank for a card with 250.00 limit. We thought it would be a good way to re-establish some credit, so she called and ordered the card. We knew up front about the 69.00 fee and 5.00 a month membership fee. We actually had very few problems until December of 2009. A company I had ordered some arthritis meds from fraudulently charged us a second month of product we didn't order.

I called Credit One to file a dispute, and found them to be the most unsavory kind of people to deal with. They were so bat that it caused us to take a good look at the institution we were doing business with. We found there are thousands of complaints filed online about them. After a 2-hour fight with them I finally got them to cancel the card, but had to tell them I was a long haul truck driver and that traveling to their location to do business in person was no problem for me. Two months later, February 2010, we missed a payment. We don't know what happened, I just missed sending them a payment somehow on bill paying day. It was no problem for us. We called them expecting to have a 35.00 fee as missing the payment was our fault. When I called them I got a real shock.

I called prepared to just send them the 339.00 we owed and pay off the card completely. It was then that I found out over 100.00 had been charged to our account for a one month late fee. I expected the 35.00, the one stated on their monthly statement. I was told that the extra money, nearly 75.00 extra, was interest on the late payment, which was only 30.00. I blew my stack, so to speak. They finally got me a "supervisor" who agreed to drop the amount down to the original 339.00 without the late fee if I wanted to pay the account in full.

I agreed to pay 339.00 and asked when they could have a statement to me guaranteeing my payoff. I was promptly told they could not do that and that payment had to be made right there over the phone. I told them there was no way on God's green earth I would give any more money to a company with a reputation like theirs without a written guarantee. By this time I had read several hundred complaints online about them, and told them so. They informed me they had millions of satisfied customers and were unaware of any complaints against them, so I promptly told them where to look.

To make a long story short, I finally had to hang up the phone after dealing for almost 2 hours, again, with the most rude service reps. I will not pay them until I am guaranteed on paper that they will accept the amount they stated as payment in full, and they refuse to to put it in writing. They still call my home offering to settle for 339.00, but still refuse to send me a statement in writing. I told them on the last call that my wife and I are having to file bankruptcy after our last college class is done, and that I will file on them as well.

All they have to do is guarantee the amount in writing. Still, again, they refuse. I have the cash to pay them off. It is saved and set aside. I pay my bills. But the economy has created some problems for us. If they don't want my money, then they can suffer with the rest of us. They have proven themselves over and over to be a scam artist company. I will not be scammed. There are thousands of complaints of people trying to pay off their accounts with this company, and the money never getting credited to the account. Beware when you send them money.

I have an account with Credit One Bank and have been making my payments on time and all of a sudden, they have started showing me a past due payment and charging me a late fee. I printed my statements from my account online, sent them a copy and showed them where I had made my payments on or before the payment was due. They send me a letter back, saying my account was open and current, but when I went to pay them for this month due on April 26, 2010, it was still showing me past due of $35 and they charged me another $29 late fee. How can I be past due and get charged a late charge when they say I am current. If you pay them before the due date, they don't credit it for that payment so when they don't get the payment on the due date, you are past due and you get charged a late fee. It is hurting my credit report, putting a physical and financial strain on me. I try to make all my payments before or on the due date and they do this to me.

I had a Credit One credit card, and I was never sorrier. They charge you for making payments online using their website - $9.95 per payment. They don't have agreements in place with major banks to facilitate electronic payments through your own bank's free bill payment service. If you make a payment via check, they'll hold your check in limbo until after the due date, and then charge you a late fee--even if you've sent you check early.

If you ever have to deal with their collection department (due to the aforementioned late fees and late payments), prepare to be abused as their collections agents are not by any means professional. If you do have to deal with their collections department, record the conversation; you can use this as evidence of harassment. They will raise your interest rates to 39%. Credit One bank is registered in Nevada, which has very lax usury laws. Clearly Credit One prides its business model on predatory lending. Steer clear.

Every time you call for a credit increase because they don't automatically do it, they charge you a fee of $100 - for $100 increase - no more than that. When I signed up for this card, the fee was $69 back in 2007. Now, I have to pay $99. I didn't sign up for this, why should I have to pay $30 more a year for this? When you call and ask for a corporate number, there is no number. The customer service reps are rude. The corporate address is a PO Box that no one ever answers. Correspondence, I've written more than 10 times in the last year and no reply. The economy is bad enough as it is for us to be faced by companies like this that do whatever they want. I don't know if the Federal Government is at fault for this or not, but something needs to be done.

Credit One has been calling my phone at least 15 to 20 times a day regarding a late payment. I have not used this card in over a year and though I was late with one payment, this past month, and there is no need for it. I can no longer answer my phone. I had to put it on vibrate and it is causing emotional distress.

I recently opened an account The first statement I received had two payments due and a late fee attached. I called customer service, I was told nothing could be done. I asked to speak with a manager, I was told that if I made payment by phone then I could speak with a manager. I replied that what they had done was illegal. I was then forwarded to a person who claimed to be a manager. He said that if I made payment by phone he would remove the fee.

This being the first statement I should have to pay one month minimum due plus the $5.75 annual fee. I did not have two months' payment plus two annual fees plus late fee and the charge to pay by phone. Also the statement said payment due 02/26/10 this conversation was taking place on 02/11/10. When I told him I could not do that today he said, "Then I can't help you." Frustrated, I said that I wanted to make a complaint about not being able to speak with a manager the reply I got was if you don't want to pay your bill I'm not going to talk to you.

On October 09, I received a letter containing a PIN number from Credit One. I call them to see what was going on with this. I told them to cancel the card as I had not ordered one from them. About 2 weeks later I received a second notice from them that had a PIN number to activate the card. So I call them again and was to the account had been canceled and to ignore further mailings from them, but that it might take a month or so for mailings to stop.

This morning, 1-19-2010 at 8:01 am, they called me to collect $154 and would cut a deal for $55. They were rude and I was passed from the first agent to two different supervisors that said their names so softly I could not hear them. I explained that to the best of my knowledge I had never applied for a card and that I had called in October to cancel the card that I had received a PIN number for and I had called back in November again for the same reason. They said they cannot even attempt to do anything for me until I pay the card down. They can not forward me to customer service to check the record of my calls and that they could not correct their error.

The only way I can figure they got my information was that my youngest daughter had used my business laptop and it has an auto fill for forms I use for taxes. This would include my SSN for doing business as tax ID. Or it is from identity theft, but as this is the only issue I can find that seems unlikely. They would not even give me the account number. I had to pay $55.33 to get access to account services to request they close the account for the 3rd time for an account I didn't even apply for and get the needed information to file a fraud charge.

Please disregard my first complaint. I made a mistake and entered Capital One instead of Credit One Bank. I am so sorry. Through correspondence, I received in the mail, I went online to apply for the pre-approved credit card they spoke of. I was approved for a credit line of $250.00. When I received the card in the mail, I called to activate it that day.

A few days later I went to use it, but the card was declined. I then called the number on back of the card and I found out that I was already charged with a $69.00 annual fee plus a $5.95 fee (do not know what that is for). Anyway, I can not even use this card and yet they are already charging me? I do not want this card nor the hassles that go along with it. Please advise. Thank you.

I have had some of the same trouble that others have had with this Credit One Bank. I have had an account with them since April of 2008. A MasterCard to be exact. They started me out with a $200 line of credit with a $69 annual fee charged at once to the account and $5.75 billed in monthly installments. I realized this when I applied and reluctantly accepted to help my credit. Back in July of 2009, I reported my card as lost and got a new one. Much to my surprise, the fee that was $5.75 per month has now become $6.50 per month from 7/09 to 12/09 and then all of a sudden, $8.25 a month since Jan 2010. My mouth about dropped, I wasn't notified about any fee increase that I can remember. I didn't receive anything in the mail from them, I have for my other creditors but not Credit One. They have some nerve.

So today, I called to find out why the fee increased. I told them I thought there was an error on my account. I was told no, that it was new term and I should have received notice in the mail. I told the lady that I didn't and ask if she could send me this notice. So then, I am already on a DMP (debt management plan) with CareOne. So I called the Credit Protect number on my Credit One statement and told the rep that I am going to put my account in consolidation. I need to cancel Credit Protect. The rep went on and on about how good the service is. I told him I never authorized it to begin with. He said, "well, we wouldn't activate if you didn't". Yeah, right. I remember avoiding it. Anyways, long story short, Credit One is nothing but fees. Capital One is better.

Credit One Bank approved me back in August. Now some secrets, they do charge a lot of fees but to save yourself some extra money open a Bank Of America account online. It's free, okay, don't utilize this account for nothing more than their bill pay service which right now they're offering $35 to use. Anyway Bank Of America is the only bank I know that has the bill pay for Credit One Bank electronically and it's free. Trust me, I have been using it and haven't paid a stupid $7.95 fee debit card or $9.95 ACH. The payment clears the next day!

I will send you pics if you like. It's awesome. Now for some reason Credit One Bank has a credit score feature which shocks me because as I pay on time my score goes down. Credit One bank shows my December credit score plummet but yet I have an account with all three credit bureaus and Credit One Bank is running two months behind. So how do they figure my credit score is 560 and all credit bureaus have it at between 625-640? They don't have an account with Transunion because I checked it and I get an alert each month.

And it's been going up, not down and another thing, if you can get a secured card, get it. These credit card companies want your score low on purpose to charge you these ridiculous interest rates and fees because they know you will pay them. Stand up and show them. Yes, I had hardship in my life. Things happen. We're human. Why, if you went through hard times, instead of helping, they give bigger fees bigger interest rates?

Our hours at work were cut severely and our business is struggling, so we called credit one to ask if they have a plan that would put us on hold and just let us pay the principle down[we have done this with our sears master cards]. They were very rude and told us they would not tell us of any plans until we had lost the use of our card. We have always paid on time and would not ask if we knew we would be able to come up with the money. Then we asked to speak with collections. They said no because we were not in collections, then we asked to speak with a supervisor which we were told no.

After a hour of fighting with customer service they finally put us thru to a manager, who would do nothing. After arguing with him for half an hour, he finally put us through to a supervisor, who also said no because we were not in collections. All together, we were on the phone for over three hours just to get information. They were rude, have the time I do not believe one or more of the agents understood English. How are we suppose to make an informed decision if credit one will not give out information?

We are now late and have received late fees and penalties which we were tring to avoid. Our credit score will suffer, and it is not so good now. What we thought would help toward helping to clean up our credit is turning into a nightmare.

I have had a Credit One Bank card for one year. I always pay on time and have never ever been late. I have had perfect payment history. Their card started out with a $69 annual fee (billed at $5.75 a month) and a $200 credit limit. They generally charge fees to pay online and do not allow banks to use free electronic transfer, so I mail it in or have the bank automail to their address.

Credit One is extremely slow in processing payments, even if mailed 3 or 4 weeks in advance of the due date. They receive the payments and then hold them without crediting the account, hoping that you'll get a late fee or use their online payment service to get extra fees. They've done this several times to me. I end up paying more fees to avoid the late fees. They are very sneaky.

After about 9 months, they allowed me to get a credit increase to $300 from $200, after a $30 charge to increase it (ugh). They even charge extra to have a design on the card (picture, etc. ). Okay, jump to January 2010. Again, perfect, absolutely perfect payment history with them. Now they change the annual fee from $69 to $99 a year ($5.75 a month to $8.25 a month). I called and asked them why and they said it had nothing to do with my credit, which they say is perfect.

They just "re-evaluated" all cards and some cards got an increase, and some did not (but they could not tell me why?!). Now if I close the account after I pay it off, my credit score could take a dive, even though I have paid on time every month. If you can, avoid Credit One if possible. Even Capital One is much better than this. Be careful of Credit One Bank. They like to hold on to payments, change charges, and play games!

i got approved for this card 200 credit limit got my card 11/09/09 i called it in to acv it and it was then when i called up to check my avaibile credit my card was block for no reason i had to fax over my license social security card and a light bill or gas bill three times and all three fax said ok so they got them tried talking to them about it and they say the never got it really bad bank to deal with and i said to them i dont o you money if i cant use the card what good is it so how can you o them money if you have not made a bill and they block your card for no reason

I will pay them but the next time I am ridiculed or told to sell something or borrow from relatives I will get a lawyer. When I explained that I forgot due to a death of an immediate family member , this woman said did you forget to pay your rent too? I felt awful. they must be paid extra to be unkind. Hope they never know how bad I feel and how much worse they made it for me. I am completely devastated by their actions. I wish I could do something but I am not sure I have any recourse.
They have NO business to say that.

what a world we live in.

I've had their credit card for 2 years never a late fee or overlimit. Now they are constantly changing their fees. Today got notice the fee for having the card is going from $6.50 a month to $8.50 a month and the minimum due is going from $20 to $25.Also says the APR will be no lower than 23.90% and no higher than 29.90%. It even says my credit history has nothing to do with these changes. I know my credit score has gone up since I first got the card.It seems they are trying their best to milk as much out of their customers as possible before the new laws take effect.

This company repeatedly calls my cellphone all times of day and night. They will not leave a message, but if I answer, there is a recorded message to call them about a personal matter. When I called back, there is no live person to talk to. I do not have an account with this company, nor have I ever had an account with them.

very hostile in dealing with public relations a suggestion they should go counseling seems like they have issues to deal with

I have only had this account a few months. When I made my 4th payment of an amount far greater than the minimum due, I mailed the payment in as I always do. I mailed payment apprx. 5 days before due date. This has always been sufficient time for companies to receive and process my payment, including the first 3 payments I made to Credit One, however this particular payment apparently was the exception. My payment didn't post for over a week, thus causing me to incur a late payment charge of $32.

I called and inquired if there could be a one time waiver of the fee, but was advised repeatedly that they could not do that. Fast forward a few months (and a few more above minimum due, on-time payments) down the road, I failed to mail my payment in enough time to avoid a late fee, so I decided to bite the bullet and make an online payment despite their $7.95 charge for processing online payments. I had only done this one other time. I made the payment along with payments on 3 other bills (my phone bill, power bill, and a Capital One bill...Capital One doesn't charge me $7.95 to pay online, btw) on the 15th of the month.

All of the other 3 bills processed and posted to my bank account on the 16th, however the Credit One payment never showed up. I had received a confirmation number, however because I made the payments from my laptop, I didn't use the option to print the number. I took for granted that the payment would post to my account with no problems. When the payment still hadn't cleared my bank by the 19th, I went back online to check my Credit One account. The payment was not there, but they had promptly posted a $32 late fee to my account on the 18th.

I went ahead and made another online payment and immediately contacted the company to inquire if either of the payments appeared in their system, since neither of them appeared visible to me. Of course they could see the payment I had just made, but there was no record of the ON-TIME payment I made online (despite their $7.95 online payment fee). I told them that I had made the payment and that it wasn't my fault that it didn't appear in their system. I told them I could provide them my banking statement showing the other 3 payments I had made at the same time I made one to them. I once again requested to have a one-time courtesy credit of the late fee, but of course was repeatedly told that they could not do that.

I asked to speak with a supervisor, but was told that there wasn't one available. They asked me to verify the number a supervisor could call me at, I told them to call the number on my account. The rep told me that for security purposes she couldn't see the number on my account. I told her that I was well aware that she COULD see that information and that she also probably had caller ID.

I told her once again that the supervisor could call me at the number on file for my account. She tried to lie to me once again and tell me that she couldn't see it, but when I insisted that I knew she could...she read my number from the account and said she would have a supervisor call me. I'm waiting on that call now....Credit One charges exorbitant fees around every bend. Since my inception of the card, I have paid the $69 enrollment fee in addition to the annual fee that bills at a rate of $5.75 monthly, a monthly credit protection fee that I never accepted nor authorized, a late fee, and two online payment fees...and possibly the latest "late fee" for a payment that I made THREE DAYS BEFORE THE DUE DATE.

How convenient for them that they don't show that payment ever being made. They get not only the $32 late fee, but also the $7.95 online payment fee and interest and credit protection charges on both. I have had none of these problems with Capital One, the only other credit card I even have. They post my mailed payments in a timely manner, they post my FREE online payments in a timely manner, and they are more than willing to help when I have questions or problems.

While I fully understand penalty for late payments, I refuse to pay late fees for payments I made in a timely manner. No other bill I pay online ever has these issues. No other bill I pay, period, has these issues. I think that Credit One has excessive, exorbitant fees and beyond poor customer service. Do Not Choose To Do Business With This Company.

I am trying to pay off this credit card which only has a limit of $250.00. I have been trying for at least a year since I lost my job to pay them off with no success. They continue to add $35.00 late fees on to my account, when I was paying them on time. I called them and closed the account and they say this would stop the service charges. Still because of the late fees I am over the limit which they charge another fee. Also, when I pay on line on by phone they charge an additional $7.95. Their fees are unending and I cannot get my balance down because of these fees. Is there anything that can be done. I've been paying on time but they keep saying I am not.

i had received a pre-approved letter on the mail went on line and fill it out. approved $300. They already ran my credit might as well i thought nowhere on that website explained the terms and conditions. When i got my card called and activated. it said $69 divided in 12 payments of 5.95 a month. turns out its 69 plus 5.95 almost $150 for a 300 card no way. called this people are so rude they keep talking non stop do not let you explain your self. I talked to a supervisor who said will wave the 5.95 if i was able to make a 20 payment, i said no i've never paid paid enrollment fees or annual fees on any of my credit cards i was not going to do it for a $300 card. They kept saying it will do good for my credit i explained that i had good credit and thats why i do not get charged fees nor financing on any other credit cards. Its just stupid to pay 150 on fees for a dumb 300 credit card outrageous. Should be label as scam

repeatedly he put me on hold 5-10 mins at a time and kept repeating the same thing 3 more times. he said they could do it but it would take 7-10 days.

6) continued from above. I advised him that it would not let me delete per there is NO delete button/link to trash the payment set for 9/15 which I did not authorize.
7) Romeo tells me no payment was processed and my bank info will delete in 7-10 days. it was not SUITABLE TIMEFRAME FOR ME.
8) Romeo states 4xs during call that creditone bank only processes payments w/in 4 days when you go online to make a payment. I kept asking him, "why on earth can't your customer pick their due date as their payment date as per the populice tries to schedule payments in advance of due date.
all he could do was repeat banking jargon. he clearly did not know why.
7) Ask Romeo for a supervisor 3xs before I was finally transfered. upon the 3rd time, then Romeo told me my banking info will be delete in 24-48hours. I said fine, I still had asked you for a supervisor 2xs already, now this is my third time--*this is very passive-aggressive avoidance on their part.
8) I then get Alex, a supervisor..all this character manages to do is repeat Romeo's responses. when I kept telling Alex in more professional manner. "Alex, why can't your customer schedule their payment according to their due date and furthermore, why is YOUR 4day window NOT DISCLOSED online?"
10) All Alex could do was repeat what was told to me as mentioned above and that he was sorry he could not provide me the answers I wanted to hear! VERY DEGROGATORY!
I told him what I saw each window as I navigated online and there truly is NO delete button for banking and payments!

Is this setup a ploy to get incorrect banking and posting dates to cause customer more money and more revenue to Creditone?

This company; two employees can not explain their rule about payments online 4 day rule.
Nor can they explain why a customer can not select THEIR due date.
Nor can they explain why there is NO....delete button online and the customer has no control over deleting??!!
In addition, I feel it is really bad business to bill a customer that has NOT activated the card per activating the card would ONLY then be an agreement to use it and accept the terms and conditions of such card.

My card remains not activated.

I was over my limit by $20.00 and I didn't make a payment in may june july, due to finance diffculty, they access charges at $291.00 for over the limit and late fees, they charged $29.95 for late fee and $29.95 for over the limit which make it $58.00, and when I made a payment of $60.00 on August 31 2009, they want me to make an additional payment of $80.00 by sept 7th or I will access another charge of $58.00 and will bring the balance back over $800.00 dollars, And the min they would allow is the $80.00. I dont have that, I told them that i would make another payment by oct 7th and they stated that the balance will go back up $58.00 for the payment of sept 7th, I need help with this.

This is concerning a credit card. I pay my card on time, and more than minimum every month. I had 2 more payments to pay off balance. I got rewarded for this with a 6% rise in interest rate. Then in july, 09, I sent payment of $100. I started to get harassing phone calls a all hours and days from them. when i got my Aug. 09 statement, it states that i paid $1 in july. I called them and said that they entered wrong amount. nothing they could do, was there response. i got them to remove $35 late fee, but now i have a higher balance and 3 months to pay off balance instead of 2. I believe they did this purposefully to keep me from paying balance off.

I doubt that anything can be done but this company should be put out of business.

when I first got this card I had to pay a very larg fee and when that was payed off they said they would send a report to the 3 credit ratings to let them know I had been making payments on time and my credit score would go up this never happened.Then I put insurance on the card in case I wasnt able to work,then in Oct 2008 I found out I had cancer and needed to be off working starting in Jan 2009 I called the card and asked what paperwork I needed to fill out and they screemed at me in broken english(Indian)that I coulnt file any papers untill I payed everthing off on my card and they kept asking if Im filing Brankupcy and I told them no and they still wont give me the papers and I only had a bill of 125-$140.00 balance now after its gone to collection its $650.00 which the collection and credit one call my house 5-7 times a day.

Credit one is the lender/finance company I used to purchase a vehicle through. I have been three months behind on payments; I agreed to work something out. I was unable to, and told Oscar Mejia, my account rep I would give up the car, to pick it up from my home address by email. My husband received a call from their Legal Department three times between 7:32-7:34 am on 4/24/09; they have called him several times at work. Glenn and Sorita Waller (parents) have received numerous calls, even though they told Oscar not to call, because our relationship is strained due to Oscar's rude/harassing everyday contact with them. I told Oscar to pick the car up by phone and email on 4/24/09. 4/25/09 I got a call from his supervisor stating they were aware of this, and what do I want to do. 4:58pm-on 4/25, Oscar left a vim stating they were coming after me and this would never end!

4/25/09 at 8:07 pm. Oscar called me from (714) 916-3612 and told me they would not take the car back, they wanted their money, and I better go out and get it or something will happen! I told him I have been unemployed and unable to, he told me to grow up and borrow it, I told him no one I knew would be able to help me they are in bad situations like me, and I told him I had to pay my rent, because I almost was evicted. He told me I better get him some money or he was sending someone after me. I asked him what did that mean, he was sending someone to kill me, and he said you said it! Not me! You will find out! He told me you better go get a job right now!

I told him it was late, and he cannot call me past 8 pm, it is against the law, he told me I don't know anything about the law, when it comes to his money I better get it. I told him I am not into killing or selling drugs, I can't get a job at night.

Credit One Bank is claiming that I owe them money on a credit card that i did not owe. I refuse to pay something that I dont owe. They now reported it to the credit bureau and its now affecting my credit.

My credit has been affected by this and different collection agencies are calling me asking for me to pay for this. I already reported this to the credit bureau but they did not remove this from my credit files.

I opened a Visa account on 12/2006. I was off of work because I had a mastectomy and two subsequent operations, and fell behind on payments. I contacted the bank and was told there was nothing they could do and the late charges would continue to accrue. Then my statements stopped coming. I told them I would not make another payment until I received another statement. Instead, I received harassing phone calls on my cell phone every day, sometimes up to 15 calls per day. I finally called on March 2007 and closed the account. Again, I asked for a final statement to pay the account in full.

I have never received a statement and the harassing phone calls have continued since. I have given them payments over the phone, including a final payment of $200 in January 2008. Even though the account is closed they have continued to add late charges and my balance has now soared to $510. My credit limit was only $200. When I closed the account in March 2007, my balance was $189. They have ruined my credit. I contacted the credit bureau to report them and the credit bureau has closed the account from the day it was reported. These people continue to call on my cell at least 15 times per day. This is a scam.

I'm a disabled person, only have this credit card limit credit 200, my ex-husband,after 17 years knows about my accident and 2 brain operations, and call me and ask me where he can send money for his son and for me ? The only card I have was this, and I gave to him the number. He made a transaccion of 5000, on december 4, since this time my life was in all day stress, I open an acount in Regions Bank, for that people make a transaccion of the money that was like in credit, This wasone week ago. Until now , they not made any transsaccion, and yesterday, I received a letter, said ,call urgent, so when I called they say that the card made by the manager of the bank,was not valit, so they was thinking in close my account.

Is this legal? why they are stolen my money? my son money?

I think this xmas are going to be the best after long time, but for this persons, was the worst

I recently received a credit card from this company. I recieved it through the mail on October 20th. 2008. I activated it that same week. I go online to pay what I though was my fist payment and find out that I was charged a $32.00 late fee! Mind you I went online to make my first payment on Nov. 11th. Since I activated my card only 21 days earlier how can I be charged a late fee?!!! I have tried to call them several times on the 11th and today the 12th. Spent a total of close to 20 minutes on hold today alone. The late fee was applied approx. 2 wks after I activated my card. This is not right.

Still trying to contact them.

This company sent me a form to get me out of debt in 5 years at 13.9% interest. I said OK. I have been paying this bill every month the last year and a half with about $40.00 extra a month. I get a memo in the mail saying thanking me for being such a great customer, but your interest is going up to 17.99%. All I got from Dan was the financial crunch is causing my interest to go up. This is unfair and cheating the consumer.

I am trying to retire and pay this debt off. I am trying to do what I said I would do. I think the max interest rate should not be over 10%. This 18% up to 25% interest rate is stealing from the consumer. Please help me. I did not put them in this crisis. They came to me asking me to be their customer.

Dan said i will have to pay about 4 more months than what they said I would.

On August 4, 2008, I was contacted by the credit card company to pay off a credit card which I had that was over the limit. The current Balance at the time was about $550.00. The representative I spoke with was Bell. We came to an agreement that if we paid $370.00 at that time, the credit card would be cleared. She said that she was waiving a total of 6 fees that included 3 late payment charges, and 3 over the credit limit fees, since my card was is in good standing before I had some financial difficutlies.

On August 21, I had an emergency, and thought I would be able to use my card. I checked my balance, and it said that I owed 151.00 and my available credit was 48.00.

So I contacted customer service. I dont remember the rep that I spoke with at that time but she was very rude and nasty. She said that there wasn't any agreement notated on the account. I quickly found the document that the company sent to me confirming the payment of $370. On the 23rd I contacted the company again, trying to find out exactly whats going on. They still showed no record of an agreement.

So basically they swiped my account for $370, and I get $48 out of the deal. I spoke with a supervisor Omar, who didnt know what he was talking about at all. At first, he told me that there was a note on the account to investigate what the $370 payment was for, then seconds later told me that there's wasn't anything notated on my account. I asked to speak with his superior, and he got very nervous and began to stutter, saying that no one was available, and someone would contact me on Monday.

Being in the situation that I am current in financially, I do not have $370 to just throw away. They quickly debited my account on August 4th, but are not quick enough to investigate whats going on. I think this company is scamming consumers, and its not right at this time with the shape that the economy is in. Something must be done.

I wrote to the credit card company to cancel my card as was what was on the back of the bill I received and sent to the appropriate address since you could not send it in with your bill. This was in April 2008, I am still receiving a bill for the annual fee, which according to the reverse side of the bill you could cancel. I waited until the July Bill (the card was paid off in June) and was suprised to see a balance for the annual fee on it and it was due 8/3/08.

I called the customer service phone number in the upper right hand corner and discovered that I had to call another number which was 101027500, instead of hanging up and calling I listened to the rest of the message. Incrediably they continued on with the message that the call will cost you $5.00 which would be charged to your phone bill. I filed a complaint with the Federal Trade Commission and I am hopefully going to hear something in the near future. I can't get ahold of anyone to cancel the card and am getting frustrated because if I don't pay it I will pay interest on this and be reported to the credit bureau!

I have had a few occasions where I needed to talk to their customer service reps and they have been rude and inconsiderate of my situation. I've even noticed that when it comes to questions regarding billing and payments or FEES...They laugh into the phone with a chuckle or sigh as if they are making me some kind of private inside joke. I'm sure I make more per hour than any of them will ever acheive in their careers yet they make their so-called Customers feel like we are way beneath their time and trouble when we call for assistance with our cards. They are ruining our scores and making us pay them to get richer.

Fees are killing me, they take my payments and keep assessing late fees even though I've called them to address my situation. They keep transferring me when I call, only to be disconnected and when I call back they have no idea of what I'm trying to explain. They snicker and laugh into the phone and make me feel as if some kind of joke is being played on me even though I can hear them laughing. They constantly please hold and the next thing I know...I'm disconnected again. They outright treat me as if they do not care about my situation, all they want is my money at any cost to ME.

I was looking at my bill and i noticed the statement closing date is on july 3, 2008 I recieved my bill on July 11,2008 and the payment date is on July 28,2008. This only gives me 17 days to pay the bill. Isn't there a 28 day payment cycle.

They do not give me enough time to pay this. 17 days is not enough time.

I moved in Feb 07--in Oct 07 I received a statement and realized I had missed a payment. I paid my account up to date and asked that my address be changed and also my phone number. They only changed my phone number. Last week I was contacted telling me that my account was past due. They could not really explain to me why. I asked that a supervisor call me. This evening I was contacted again and asked for a supervisor as again they were telling me I was past due and going over limit. I have not used the credit card in over a year. I paid it up to date and have bank records that I have paid, however I was told that the collections part of the company did not have records that I had. I again asked to speak to supervisor and could not convince the representative to transfer, I told her to shut up and to have someone call within 30 minutes.

After 2 hours I called back and tried to explain to them what was going on. They then said they could see what the problem was. My payments were more than I was sending and I owed $89.OO, overlimit fees, late fees etc... I asked that a history be sent to me, however they could not do this as I do not know the account number. Once my card expired I destroyed it knowing I would not use it again. They then transferrred to customer service saying they could help me, they asked about the card and I told them and they said sorry I can't help you.

I neglected to say that they changed my phone number in Oct but did not change my address, so I have not received a statement since then. I am 43 years old and have never made a negative complaint but really think this needs looking into. Thank you

Negative Credit Report

ok i got this credit card limit of 200 dollars of my 2007 it is n ow february 2008 and they keep charging fees after fees, and they are scaming me out of my money as a result i cannot get approved for any kind of other credit card and i want to be through with them

This is a credit card, who has charged me exhorbidant fees since I opened the account. It seems every time I pay them, there is a charge for paying them. When I don't pay them, they charge the most brutal interest, and harass me on a level that interferes with my personal and professional life. My account is closed, but they are still charging the highest possible interest rates they can.

I have a large debt owed to them now, which I fear is going to compromise and damage my life from now on. Buying, renting, leasing anything will be next to impossible because of this company.

Credit One Bank is HORRIBLE! I closed my card with them because the interest rate was TOO high (23.9%). After closing the account I see beginning August 07 my interest rate went to 34%, Sept 36.54%, Oct. 39.95%; Nov. 42.89% and December a WHOPPING 51.5%!! Can you believe and I have NEVER been late on this card or any other!! Beware anyone wanting to get a card from them..

My 18 year old son was solicited for a student credit card from Credit One Bank, with a $200 credit limit. He applied for the card and received a bill for 74.75, a $69 enrollment fee and $5.75 for a prorated annual fee of $69. He called to cancel the card and they said, very rudely, that he had to pay the fees because he used the card once before he got this bill. (This charge was not on the bill.) He sent a letter contesting the charges and we haven't heard from Credit One Bank since then.

I can't believe that this kind of practice is legal. They are taking advantage of the financial naivete of college students. And even with all this going on, yesterday in the mail he received a pre-approved platinum visa application from the SAME bank. The fees are listed on the back of the form - no mention at all on the entire front - and the entire back of the form is printed in gray type (the front is black and colored type), making it very hard to read.

Was going to be a little late with payment. Trying to let them know but there was no email where they would accept incoming email and no phone number. The only address was the one where you're only suppose to send payments. I'm getting ready to send the payment but have been harrassed constantly with phone calls. Even tho it's been explained to one person, I still get phone calls and some are nothing more than a recording and some are coming at 11:30 at night. I've tried to let them know but they fel if they bully they can get me to pay faster that this Thursday.

I had recently changed employers, going from a weekly paycheck to a monthly paycheck. Coming into the new employer at the end of the pay period, my first check was nearly nothing. So I had to work a full month to get my first real full paycheck. I suspected this would cause problems making credit payments on time, so as most creditors say to do, I contacted them to discuss my need for a late payment.

Credit One Bank, formerly First National Bank of Marin was one of my creditors that I was going to fall one month behind (at the MOST) with a payment. Numerous times I contacted them with an update on the exact date that the account would be brought current. The account went to collections on day 1 that I was late. Automated collections calls started.. day after day after day. Up to three times per day an automated system dialed my home, placed whomever answered on hold until a live person could come on the line to remind of the past due amount.

I contacted collections about the numerous calls and was told it was all automated, and the calls will continue to come DAILY until the account was brought current. Even though they KNEW when the account was going to be paid, and an electronic debit was scheduled, they claim there was NO WAY to stop the automated collecton system.