Consumer Complaints and Reviews
I can't list all of the reasons this company sucks! I used this card for gas only. Credit was stolen 2x & am still dealing with them to CLOSE THE DAMN ACCOUNT! I have filed TWO police reports. The police have even spoken with them. DO NOT USE THIS COMPANY!!! They are horrible. Do not give them any of your information.
I wish I could give this no stars at all because I don't feel it deserves one, but I can't unfortunately. I currently have this credit card that I'm paying off. I wish I had never gotten into it or at least looked into it first, but at the time I desperately needed the money to help out my parents. The membership fee was like $80 or so. My credit limit is $400. Right now I still have $350 to pay off.
I haven't used the card for a long time and I kept going into the negative and it was like I wasn't even making a payment. I've only gotten $50 knocked off, which is crazy to me when my payments are $25 a month. I make them every month on time and I haven't used the card in so long. Not sure how that's happening and I feel like I'm being ripped off. I do know the interest is RIDICULOUS and it's like I'm barely making any payments. Last month's payment pretty much was pointless, considering that interest was $9 and then $10 for annual fee. And they keep asking me to increase my credit limit by $200 (even though $75 will be charged for whatever, membership I guess). I keep turning them down on it and they still keep pestering me with it. So annoying. The only way I'll ever get this card paid off is I pay it off in full, which I'll be doing soon and I'll never do anything with this company again. :)
I have Credit One and every time I try to pay them monthly they like to take your money because of their hidden fees and late fees. I paid last month my bill and I was supposed to have $125 in my card. Next thing I know I see I had only $84 so I called Credit One and argued with them that they took my money, so they gave me some of my money back. Then last week I called again and this time I had $90 in my account, now the lady told me she would put in a request to give me $14 back so I would have a total of $104, they never gave it back. So I called yesterday and asked where my $104 is and why it's not back in my account. The lady tells me that they never put in a request so I told the lady that they are a terrible company who can't seem to keep papers in order. Anyone who reads these reviews pls I urge you not to sign up with Credit One. They are the worst credit cards ever so do not sign up.
Held a account with Credit One for about 5 yrs. Always carried a high balance with them. My credit limit with them is $2,000. I decided that I will pay off all my credit cards then keep a balance around 10% of my credit limit. Well after I paid my account instead of reporting 0 balance these jerks decided to report that I had 30 day late payment a month before, not true. Never been late or missed a payment. Called them to complain, well they said they're all for people having good credit and if would prove to them this error they would remove it. LIES, I did just that and I disputed it through all 3 credit bureaus and of course these JERKS are just as bad.
TransUnion was the only one that corrected the late payment on my report and score went up to 740. Equifax and Experian refuses after 2 months of writing and calling everyone involved no change, in the meantime my score dropped over 50 points. Then right after TransUnion fixed the late payment they started reporting my account was closed by me, score dropped 62 points, now I'm battling this lie. WTF. I'm truly trying to keep my cool with these Jerks but it's hard very hard and refuse to give credit repair money for something I can do, so I reported it to the CFPB who then in return turned it over to the OCC. When I call and plead with Credit One to fix their mistakes, I'm told to put it in writing with proof. When I tell them I have several times, they then tell me they will fix it. It's now 5 months my credit report is still reporting the lies and no word from the OCC. This is truly frustrating.
I received 3 emails from them about charges on my account. They provided me with a phone number, I called and they were CLOSED. Called again, the first rep gave me a hard time trying to verify my account and then attempting to explain to him about the work phone number! After 10 minutes of being on hold he came back to tell me his computer was having problems and I needed to call back, no transfer option. Hang up and called back immediately, the next rep looked at my account and told me my account was with their investigations specialist. So I asked to be transferred, no they could not do that because they do not open until 11AM. I have to tell you that it will impact my credit but I will get rid of this credit card ASAP.
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Called questioning over credit limit. Twenty minutes later the rep is telling me about a charge not appearing on my statement. I asked why it doesn't appear and he couldn't answer me. I asked why then did they report to Credit Karma that I exceeded my limit if I didn't know this. He said he couldn't answer except I was over the limit by SIX DOLLARS. Totally unprofessional.
When I called to activate my Credit One credit card I specifically asked the representative if there was an annual fee and was told that I qualified for $0.00 fee, and they also told me they would waive the $19.99 authorized user fee for the first year. With that said I used my credit card, my limit was $300.00 and I only used $265.00 for purchases. Then when I checked my balance I found that I was over my limit by $100.00.
I called and spoke with a supervisor and explained my situation and she refused to waive any of the fees that I was charged $19.99 authorized user fee and $80.00 annual fee. I told her I no longer wanted to have an authorized user and I never received a card for my husband but she still refused, and when I told her I was told by the representative that first helped me activate the card that I would not be charged an annual fee she said I was a liar. I told her my son has the exact same card with them and he wasn't charged an annual fee. She again called me a liar. Needless to say I'm going to pay off my account and close it and so is my son!!! This is how they scam you out of your money!!! Worst credit card company ever!!! They should be shut down!!!
I have had this card for just under a year and have had no problems with it at all. Though I used to pay $9.99 for "express" payments, I now avoid this fee altogether by making two or three payments each month. Credit One has never offered a credit line increase despite a perfect payment record.
I closed my account in full. I made a payment online. Besides they charging me 25 dollars for paying online, they charge my bank account 9 dollars three times, two weeks after I had pay in full and closed the account. I got a bill for 12 dollars. Charge to the account the very next day I had closed it. When I called to ask about it and complain they told me it takes 24 hours for the system to renew the information. The 12 dollars are just because I had the credit card open. I'm not paying them a penny and I would like to know how to sue them for fraudulent charges.
Okay. So I thought I would wrote a review on making my 1st payment to Credit One bank. Since I read so many negative reviews about making payments I was very skeptical to apply for the card but I did and I got approved. So when my card came of course it had a $75.00 annual fee. My bill was due 5/15/2017. So I looked up what payment options I had available on credit one site and I was like this at 1st, "This is ridiculous.” So I decided to go to one of my local check cashing places (ACE Check Cashing). I asked them to run the card to see if I can make a cash payment through bill pay and to my surprise I could and the fee was on $3.95 and to my payment posted within 2 business days.
So going forward this will be my method of payment. I'm not waiting 5 days or paying that express pay fee. So my advice is if you are running close to your bill pay it at your local check cashing place. I also found out from Credit One if you pay it even a day before the due date and they get the payment 2 days later that still backdate the payment to the date of the recipient and you will not be charged any late fees. They said just keep your receipt until the payment post. But I was advised that when you do a money wire transfer as such it will always post within business days which is truly the quickest, easiest and fastest way to make your monthly payment. Hopes this helps everyone.
I had a credit card from this company for many years with no late payments. They increased my credit with my agreement and no notice the interest rate was increasing to 25%...outrageous. I called and they insisted they couldn't lower the rate. I threatened to pay off balance. They gave me payoff and I mailed check right in. They called and begged me to keep account open and they would credit last few months’ interest. I told them it was too late and to just close the account. They did and billed me a last month’s interest and continue to bill me late fees and now show a negative rating on my credit to an account they closed and said was paid in full.
I went online to Credit One found out I owed a bill for $8.26. When I called to find out what this was for, spoke with someone who didn't speak English and when I asked to be transferred to someone else sent me to another non-English person. I finally had enough and asked for the supervisor who spoke English a little better. When I asked her what the fee was for she informed me it was for the annual fee and service charge! When I informed her how can I have a service charge on a purchase on a card that I shredded 8 months ago she had no answer, I informed her that I'm paying the $8.26 right now and to close this account. She stated that "I saw that you paid and I will close the account right now." If this account isn't closed by Tuesday of next week I will have our attorney handle it as I only got this card to help build credit.
I have, unfortunately, been a customer of this bank for several years now. I have never made a late payment. I pay my bill on time, in excess of the minimum each month. In March I tried to make a payment, but the website demanded that I enter the amounts of deposits the company made to my checking account. After I tried to do just that -- and several times -- I was refused and blocked from making a payment! I gave up for the moment, planning to call the company. I was later hospitalized with pneumonia and out for two weeks.
Then the harassing calls began, night and day, on the weekends, and even at my place of employment. Each time I have attempted to make a payment over the phone, I'm given a runaround, asked for much, much more than is owed, or put on hold and disconnected. I talked to two individuals today when my initial call was disconnected. Something very suspicious is going on, and I am concerned. Not only does this experience smack of unprofessionalism on their part, it appears criminal. DO NOT DO BUSINESS WITH CREDIT ONE.
First of all they have the worst customer service. I paid off my account in full over $1,900.00 and went back in a couple days later to see they charged me for a Starbucks order that I already paid for $12.91 so they can charge me interest for the whole balance. Spoke to two different people. One said it didn't post yet although it posted on the 16th and I made my payment on the 18th. Another said that's not what it was for and made something else up and when I pointed out that was the difference then she said, "Well that is what it is for." And when I said I already paid for that I am not paying again she said, "No you didn't." She argued with me until I hung up on her. I have my statement that clearly shows the correct balances and amounts paid! Beyond pissed.
Account isn't overdue, have had 7 calls today alone from them. Called to cancel the card, got hung up on 3 times. When I finally got someone to work with me, they wouldn't cancel the card until I got pissed at them. After they canceled the card, I asked them to not call me any longer. They would get their money. Guess what. 2 of the 7 calls was AFTER I told them to stop. Don't get this card. Don't waste your time with them.
I have been with Credit One 2 years now with a 300$ limit. I have just noticed lately my account is at it max 300$ with no cash advances. Why if we are paying 29.9% interest is my monthly interest 6.71$ and 8.25$ monthly for their yearly??? 7$ monthly is not 29.9% interest on 300$?? Has anyone noticed this?? I'm going to contact an attorney because something doesn't add up?? Everyone needs to check this problem out!! They are charging us like a payday loan and that's not what a credit card can charge or is it what I agreed to!! Please anyone who reads this post at your monthly interest charge.
First off press 1 for English. Customer Service is a joke. Can't cancel my card but will offer a brig so I will stay with them. NO THANKS!!! My star rating is zero but I had to give one so I was able to submit, go figure...
I wanted to up my credit score so I thought I would try Credit One. I used it once paid it off. Next month I got a bill for $143.00. Someone had used my information so I'm in the process of having a officer working on my case. Just like everyone I'm getting calls everyday. I was so mad I made them transfer me to Las Vegas. They gave me excuse. They put me through. I spoke to someone who spoke English. He told me as soon as I get the report fax it and they will write it off. They called today. I said, "You call me again. I'm calling my atty. and the tv media." So my advice to everyone tell them you want to be transfer to Las Vegas. Keep insisting they will. I told them close every acct. So they sent me another card and charge me $29.99. I told them, "Why would I want a card when I told you to close my accts." I believe they sold my information to someone... Never again. Now I have to watch my credit card.
I obtained this credit card to rebuild my credit, but it has been the worst experience ever. To start, I used my checking account to make a one time payment, but in fact they withdrew the money a second time without my permission. When I called them to ask, "why this had happened" they stated I made the payment online, which was not true! They then proceeded to tell me that they were canceling the current card and would send me out a replacement.
After receiving the card within 10 days, I called to activate the card, and they informed that the card had already been activated! This prompts me to check my account on the mobile app, where I then see a balance of $477! I called to back to speak with a supervisor, and the CSR told me that they sent the payment back to my bank. There were no funds returned to my account and then to discover I then saw that they charged me a $25 late fee when my payment was made on time in full. The supervisor gets on the line to inform me that he is going to forward the issue to the billing dept. What a waste of time and energy to resolve something that is their mistake. Not only that, the supervisor tells me that the funds were not disbursed back to my checking account and he doesn't know what went wrong.
If you are reading this, PLEASE do not get a card with this company! They are full of it and no one speaks clear enough English for you to understand or them to comprehend your complaint/issue. To top it off, all this happened within a two month timeframe and I'm not even able to use my card now until they call me back within 72 hours. They wouldn't even provide me a contact number for the department that handles these escalations, so that I may follow up. Just Sad. :(
My experience made me irate. I was under the impression when I called, paid, and was lead to believe my account was completely closed, that everything was okay. I was glad to be done with this company and moved on. When months later my credit score started to decline for delinquent payments, I began to look into this further. They told me I owe money. I filed a complaint with BBB and Credit One sent me a letter (after I sent one on my own with no response). Still fighting to get this taken care of! I was hung up on and then on the phone for entirely too much time. Stay away from this company, they are CROOKS!!! For anyone that works there, ask yourself why!
Customer service rep Mike and supervisor Kenneth. No customer service skills. I had the card for over two years. Never missed a payment. My balance was nearly zero. They put a restriction on my car because I hadn't used the card in three months so that makes me call them for them to tell me three different stories as to why the Restriction was on. First it was fraudulent activity which there was not then they tried to blame it on the store. They were having issues at the store which it was not then he tried to say I didn't make my payment on time which was not the truth either. Customer service reps and the supervisor of both very unprofessional and they lie. I would run as fast as you can and never, ever get a credit card with Credit One Bank. I'm paying off the whole $45 I owe on the credit card and canceling it and I will never, ever use Credit One bank again.
Charges interests on all your purchases despite paying off my bills on time all the time. The operator on the phone told me it charges interests the moment I make a purchase and is not affected by when I pay my bill, i.e. "We will just find an absurd reason to take your money even when you have been a good customer." The operator said, "It was only $1.07." Yea but still! PS: I don't see this kind of hidden fee on my Capital One card. Annual membership fee of $75 is ridiculous. Could do better with Capital One, which charges no membership fee. I felt a little bit duped. I'm just gonna cut this card up. It's a money sucker.
Over a month ago both my husband and myself decided to pay off the card and close the account due to excessive fees. Both called in over 30 days ago and closed off the phone which is the only way you are allowed to do this. Tried for over 15 minutes to have remain with the account and finally had to tell them WE ARE NOT INTERESTED. We continue to get notices in the mail to come back and now received an email that somehow a charge has been placed on my account. Would like to know if there is a class act in place on this company. I would love to participate.
These people shut down my credit card because I made a payment that on no account, not only did they shut down my credit card but they shut down my online account where I can't see what I owe. Have been making payments for several months off the account that they said was fraudulent, but still won't let me see my account nor do they mail anything. Talked to a non-American speaking person. I could not understand them nor them me. This is a bad company. Would not advise using them. Don't know how my account could be bad when I did as I should. Did make a late payment but covered that within a few days. That is not the problem. They want my money but won't let me see for what I am paying.
I use credit cards only for travel and emergencies. I recently had a balance of 229.00 not due until March 20, 2017. I get an email stating I have a statement to review. However I notice a balance of 1.49 due April 20th. So I called customer service and unfortunately got a CSR from the Philippines that hardly understood English. Explained to the Rep. that being that I paid off the account in full prior to the due date that I would not be assessed a finance charge. She argued with me and stated that I have to look at the payoff balance. That I am assessed a finance charge. Being that I takes up to five business days for the debit to clear.
Apparently she did not understand that my due date was on the 20th, and my payment was posted to the account on the 5th of the month. She states that I am still assessed a finance charge during the five business days. I said, "That is Illegal. You cannot charge finance charges when you pay off the account in full prior to the due date." So then she put me on hold and then came back five minutes later still arguing with me about it. And I told her that I am not paying the 1.49 finance charge and a late fee if I refuse to pay this. She then told me that I need to pay using express pay for the ridiculous fee of 9.00. I said, "You banks all you do is rip off people." So then she removed the finance charge.
Then 24 hours later I get several calls from Credit One stating that they are a supervisor and wanted to talk to me about the call I had. I did not speak to these supervisors I know because they are alias supervisors with fake names that cannot speak English. Credit One needs to have their services in the United States where us customers can understand English.
Only use my credit card 2 times $25 solar in total purchase, after I pay $117.99, but when I check my personal account I see was charged $127.94. Why? I call to Customer Service only to listen that I need make my pay, so it's a bad service. I trying cancel the card because it's too expensive and nobody know how to cancel! It's awesome really. Don't use this bank.
Credit One Bank is very fraudulent. They false advertise like your money is there when you needed it. Do not apply for one of their credit cards. Worst mistake I ever made. I overpaid on my account so that all my money would be on one card when I took my vacation... big mistake. The bank put a hold on my card without notifying me. When I called no one could tell me why. So I asked for a supervisor. She told me it would be 7 to 10 day for me to get my money. When I told her that was unacceptable she said I would have access to my money within 24 to 48 hours, a big lie. So now it's time for my vacation and I have no money because I trusted the wrong bank. So please do not apply for a Credit One card. It is a BIG MISTAKE. Sincerely. Very unstifled customer.
There is a huge language issue here. They reps do not want to hear you just be heard. You cannot get an appropriate answer to anything. It's like they are reading a script and you cannot get anywhere after holding forever and being hung up on. The website stinks you cannot pay off this card with another card only a debit card that they charge for or a bank account. This is a few of the issues. This card is not worth it. It does not help rebuild credit. It only helps give a headache.
By far, the worst experience I've ever had. I wish I had known what a horrible company Credit One Bank and that their credit cards are scams. I'm young, in school trying to build my credit. I have other bank cards I pay on time and am very conscious about my credit score. Credit One credit card is going to ruin everything I'm trying to build.
I can't make a payment to Credit One because my account is locked. No one told me it was locked. At first I thought it was their website but after 10 days I called. When I called and talked to someone they said if I made a payment of $160.00 then my account would be caught up and opened again. I said, "Why did you close my account in the first place?" And never got a straight answer. I paid the $160.00 on the phone right then and then. When I went in to make another payment my account is locked AGAIN!!
I called. They said it was closed because they couldn't verify my bank account. They also don't show my payment of $160.00. They said I had to send them a letter from my bank on the bank's letterhead saying I had an account. Why? It doesn't make any sense. My bank said that was very unusual when I called them. This credit card company doesn't make any sense. I've never had this kind of issues with any other credit card or bank. I asked to speak with a supervisor and she told me they never received my payment even though I did it over the phone!!
I can't believe this!!! This company is a rip-off. I want to pay my balance and close this account but I don't even know if I can trust them to do that. This is just a nightmare. After reading a few of the comments here, I see that everyone has experienced a lot of the same issues! I don't know what to do now. DO NOT USE THIS CREDIT CARD!!!
Credit One Bank scams you into thinking immediately that you're signing up for Capital One. But of course looking more closely, it's called Credit One (hook one). Secondly, you are charged a annual fee of $75.00 before you have even used it (BS). They went ahead with closing this account with no charge to us, but, were going to put it on our credit report. Damn them. Stay Away.
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