Consumer Complaints and Reviews
I don't think the credit card itself is bad. It will give you a start on rebuilding your credit, just don't EVER be late (not even ONE day) and don't EVER have a payment return!!!! The problem is that if you ever have a check return, well, twice (full disclosure)... they block your online capability to access your account. So this means that unless you mail a payment in via snail mail, you have to call them or they call you after the due date 500 times a day from every state in the union... I'm exaggerating of course but geez!!! I seriously get 25+ calls a day!!! I would normally just take the call, make the payment and move on with life.
However EVERYONE you talk to at Credit One has that heavy, hard to understand, thick Indian accent and I have to be in a place that 1) I can focus and listen to them, 2) I have at least 10 min to talk because they obviously can't understand me either and 3) They repeat everything and thank me for my business 20 times before they will hang up... The most annoying company I have ever dealt with... They would get their payment much faster if they would just unlock my online access... Just saying... I know it's my fault but could we not punish me for the next 10 years... UGH!!!
Their APR rate is ridiculously high, their customer service representatives are very rude, unprofessional, and dismissive to customers with complaints. They also charge a fee of $9.95 for expedited payments (which is forced) and a ton of hidden fees. It's like you're payment just to own the card. If I could give Credit One Bank a rating other than the options that are given to me it would be a negative 10! HORRIBLE!!!
Please don't waste your hard earned money with this crap. I have had this card for about 6 months now. In the beginning things were perfectly fine. Then I go to check my statement. And not even 24 hrs of me paying the bill. Someone charged my account 55.00. Leaving me with a 3.00 balance. They said they would file a claim but it think she was just blowing smoke. As soon as I can pay it off. I'm burning it... Do not sell your soul. Because they will do so.
First off I would give them 0 stars if I could! I will begin with how disgusted I am with this company. They are the biggest scam I have ever heard of! Unreal, I was robbed of my purse and my whole life was in there in November of 2016 and all my credit cards and information was stolen. I was also hurt during the robbery and have a police report. They sent me out a replacement card very quickly but, my limit was reached so I have not used the card in months prior to the theft. And, I was faithfully making payments before this happened to me. Anyways, I have called explained my issues and have made several payments to them in the meantime.
TODAY they called about 25 times. I answer and explain to them again that if they continue to charge me fees and interest I will NEVER be able to pay them back. In the meantime since November they have SCREWED up taking my payment from my savings account at least 3 times, have not allowed me to make a payment the normal way I was before my life got knocked out of whack and here we are 140$ OVER my credit limit. WHY? What is going on with them? I have explained about 100 times now that I need help with these late fees etc. And, not once have they sent me to a department that can help me! I would love to pay the whole thing off and never use it again but, that is not possible in my current financial situation.
I would like to keep this card in case of emergencies and make the minimum until I can get caught back up. Capital One has been great with helping me and I currently am in good standing with my account with them. This company is supposed to help you rebuild your credit and it's putting me into a worse hole ever! I don't understand why they cannot just simply STOP the fees and remove the ones now from the last 4 months. I might still not be paid off but, I would continue paying them every month if the new card they sent me was usable!
It's insane how they get away with this! I am ready to start talking to attorneys if they don't try to straighten things out for me! If anyone knows of a class action suit against them I would be totally interested in suing at this point. Life situations happen and this place just does not care at all. Capital One at least works with you and can help you if you have an issue in paying. Please stay away from this company if you plan on actually rebuilding your credit!!
I was behind 3 payments and did everything to make up the payment and they actually will not accept my payment! Unbelievable! I also was behind on my Discover card and they were more than happy to work with me. I never in all of my life came across a company that will not accept your money! They are rude, disrespectful, can't hardly understand them! I will never use them again! If I could rate them lower than 1 star I would.
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After hearing two months of using their service with Credit One Bank credit card I have now been submitted payments of 8.25 a month that must be paid to have a credit card active. Lady said it was on the sheet that I received when applying for the credit card. Don't know if it was but that's a **. So now they can turn around and take my credit card back for all I care. Paid off balance is zero. Nobody get this card. Extra fees left and right. Try to make you pay to get a raise on your credit line. On my credit lines pretty much a 700. What a joke. Don't do it folks.
This is the worst company ever!!! Not even worthy of 1 star. I only got this card to build my credit back up after my divorce and bankruptcy. I used it and paid it off every few months. I had it paid off, moved, and called to change my address. They didn't change it. They were charging me 6.50 each month and I didn't know it because I never received a statement then out of the blue they call and are very rude demanding their 19.00. I said I didn't know what they were talking about. I hadn't seen anything and my account was paid in full. They were extremely rude and said, "Don't you check your account every month?" I said, "No. It was paid off and I haven't used it!" I paid the 19.00 and they reported me to the Credit Bureau in 2015. I called and asked them to take it off they said no.
I should've closed my account then but I didn't. I called to close my account yesterday and they don't speak clear English. The man argued with me for a long time then he hung up on me. I checked online today and it's still open and charging me a monthly fee. Who do I go to next? I'm worried about my personal information. I think these people are not above board!
We gave Capital One access to our bank account to withdraw all their payments each month which they wouldn't and when we call about it would withdrawal it late causing my credit to be lowered. We gave up because tried paying them off and they would not cooperate with us... I suggest anybody not to invest into Credit One... They will ruin your life. Now we can't get a home BECAUSE of only one bad credit report which is Credit One. Other than that we had no problems but they will not work with you.
By far the WORST credit card company I have every experienced for handling a lost or stolen card. My daughter's wallet was stolen from her car and the scumbags charged everything they could before we could shut off the cards that were in it. Wells Fargo immediately reversed charges. Credit One Bank however refused to reverse charges until they received a signed affidavit which they never sent to me. The only thing I did get was a letter that stated Credit One Bank determined that the transactions were authorized and not fraudulent based on the fact that the purchases were made in your surrounding area. Well, NO ** SHIRLEY!! The thieves picked up the wallet and went shopping... Until the cards were shut down... DUH!
You can not talk to anyone in the fraud department unless they decide to call you back "in two business days" which usually doesn't happen until you call them a few more times. After calling customer service several times, they sent out the affidavit and also required an identity theft police report. Portland does not have any such report and it is a total waste of time anyway, especially for $340.00 worth of credit card fraud. The officer I spoke to chuckled when he heard that they were requiring this. It took almost three months to finally get them to reverse the charges with still no real conversation from anyone in the fraud department, only mail. So, steer clear of this credit card company. Credit One Bank obviously has no respect for their long time good standing customers. What a waste of time!
I made the mistake of not researching this company enough before applying. Please read the reviews posted here before thinking about dealing with this card. They are a huge scam and rip off. I finally paid the two cards off I opened and tried canceling them, which was not easy to say the least. Their customer service is the worst. They will keep charging you at every turn. Please find another card elsewhere. Only do this if you are TRULY desperate. Even then, still try and find every other means of support aside from this company. They will ruin your credit. HUGE MISTAKE!!! TURN BACK NOW!!!
First of all, I failed to notice that the "Credit One Bank" logo was a direct copy (rip-off) of the "Capital One Bank". THAT was my mistake. In January of 2017, both credit card accounts were paid off in their entirety. Not one red cent was owed to this so-called 'bank'. In addition, neither card was used AT ALL since paying off the accounts. The trouble started when we received notification that we owed Credit One Bank $41 and change. REMEMBER... the account balances were ZERO, AND neither card had been used. This scam company attempted to charge us for "transactions" NONE WERE MADE, "late fees" LATE FEES WHEN NO PAYMENTS WERE DUE? and other miscellaneous charges that were not understandable.
I made 7-calls to the toll-free numbers; I was hung-up on 5-times and left on hold twice. It must be said at this point that ALL calls were answered by personnel in India and the Philippines. All with very thick accents and hardly understandable. NO AMERICANS are being employed by this company. Finally, I called a number for the 'bank' that was not the standard customer service number, and talked to a man (very thick foreign accent) who canceled the cards (Thank you!) but then proceeded to yell at ME! It was rather humorous to listen to this foreigner, who was obviously struggling to use what little English language skills he had, try to be dominant in the phone conversation! Ha! Ha! Ha! The bottom line is: CREDIT ONE BANK is a direct rip-off of the CAPITAL ONE BANK (just look at the logos)! Credit One Bank is infamously dishonest (tried to steal $41 from us) and their so-called customer service is anything but. STAY AWAY from these THIEVES!
Had card less than two months. Had to call customer service three times. Today I told them to cancel my card, that I didn't have time for the bs, every couple of weeks, he continued to be rude, overtalked me and told me to do the math. The last pay I made, it showed 0 balance but now they were charging me interest and the card was paid off. He argued with me over canceling it like I wanted. No time for this bs.
Once I decided to get the offer nowhere did I see a 75.00 annual charge to open it. After calling every phone number they have on their website and the back of the credit card, I am unable to cancel my card and I wonder if anyone has a live phone number they can help me with. I am freakin' out now I have read some of these reports of charges they didn't make and the hell they are going through to dispute it and I want out and my 75.00 back!
I have been a customer for almost a year. I use this card frequently to help my credit. I am now in the works of buying a house and I'll I need is a letter fax to me with a balance to finish the process. I have talk to them every day for a week 4 times a day and still do not have it. I now have to wait for my statement to come out before I can buy my house. So thank you Credit One for all your help.
This credit card company (Credit One) is engaging in unethical practices. I can never log on to the account to review statements and activities, which is a common complaint, and when I make payments it takes several days to post and then I am assessed a $35 late fee when it was paid on time!!! The reps try to encourage customers to pay 10.95 for express payments, a way for the company to get over on the consumer. Recurring payments cannot be set up so every month I have to sign on to the account and I cannot access it. When I call they offer to take the payment for $10.95. There is no accurate way to keep track of the account, even with paper statements. I went back and saw where I had been billed late fees multiple times over the past year when payments were made on time. No one speaks English so you can't understand. This is frustrating when all you want to do is manage the account!!!
I wanted to reestablish my credit. They kept sending me notices so I accepted. I didn't read up on them until I realized how much money they have robbed me. I can't understand why there is no class action against these loan sharks. They are comparable to payday loan sharks. People don't never ever, never ever get this card or use this card. Shred it up. Shred every pre-approved notice. PLEASE.
Just received my credit card about a week ago and was charge 6.95 for the card, 75.00 yearly fee and was add in the credit protection that I was never ask about. So I had a balance of almost 100.00 on it. When I call the person was rude and I was told that I knew about the yearly fee of 75.00 and the other fee. I was told I had to paid for the fee. Paid the c.c. and cancelled. ***STAY AWAY*** Go to Capital One if you need a good credit card and with no yearly fee, no card fee and better credit line.
I was going to make a payment today and when I called they told me it was going to cost me $9.95 unless I did it online. So I tried to set up an online acct with no success. It kept giving me a password error even though I did it by their instructions. Needless to say I ended up paying $10 to make a payment to them. This means not only are they getting interest they're getting an extra $10 on top of that every month. I tried calling them to figure out the problem but that was like talking to a chimp. They had no idea and they are suppose to be the online tech support. I'm paying off this card and cancelling it. Do yourself a favor go Capital One. They are amazing.
I am very thankful I was able to use Credit One Bank to rebuild my credit! After going through a messy divorce, my credit score was in the mid 500 range. I received a pre-qualification letter in the mail and was approved online. I used the card for gas, and enjoyed the cash back that I received from that. I paid it off every month, and within 18 months was able to drastically improve my score and was approved for a card with fewer fees and a lower interest rate through Amex. Yes, it is a little pricey to use, but can help with the credit rebuilding process. I received many offers to increase my limit for around $25.00. I ignored those and a few weeks later was invited to increase the limit for free. Be patient, don't carry a balance, pay the bill on time, and you will increase your credit score!
They are very annoying when you miss one payment. Of course they lie to you about the policy. One tells you something then the next day it's not true or they don't agree with what they agreed to settle with to pay off your amount. They reported my credit because I owed them $1 after I finally paid them off in zeros!!! They even tell you "Congratulations. Your account is in $0!!!" A couple months later, I owe them one dollar and then they report it to my credit history!!!
I just tried to make payment online with no luck. Every month I try doing it online because pay by phone charges a fee. And if you send in mail be sure it's at least 2 weeks before due date or you will get charged a late fee. I sent one in 1 week before and was charged a late fee. Today when trying to make payment, website kept asking for bank acc. number then asked for amount that was recently put into bank account which my bank acc. did not show. So I called customer service to ask about. They said this was to verify bank acc., same one I had been using, so why do they need to put me through all that trouble.
After argument with them I decided to mail payment. Looked back at last months bank account to notice that Credit One deposited. 90 cent and .64 cents that withdrawn back out. I really don't like them being able to access my bank account without my permission, this only gives them a chance to clean out my bank account. What can I do to stop them and only mail payments? Also they will call you up days before due date demanding I give them bank account number for payment. I will be glad to pay them off and close account, if they don't clean me out first.
Get the credit card from Credit One and owe them $75 straight which I paid. The next thing I know they charged me a mysterious $25. I get upset and paid off my balance of $414 on a 5th on March. Two days later they charged $21 from I don't know where. WTF. Now I cancel this damn card and the lady from customer service that I might owe them again. What the ** is happening with this people. Worse company ever. Don't accept their offer. That's a scam.
I made a payment on my credit card on March 2nd, however, today 3/7, there was an unauthorized payment for 150.00 that is trying to go through my bank account. I send them a check every month for my payment. I do not pay online or via phone. My bank said they used my routing and checking account number and since they didn't put a "check number" I have to pay 35.00 to stop the payment and then dispute it. Credit One says they do not see anything on their side that "someone from my family must have made the payment." They want a bank statement mailed to them to their P.O. Box in Las Vegas to "prove" there was a charge since they do not see anything on their side. They said that mailing that information was the only way. I think they are making payments and pocketing the money which would explain why there is no record online of the payment. I have never been late or missed a payment. This company needs to be investigated.
I should have read the reviews prior to accepting the offer. I received the card in the mail and a bill for the $75 annual fee the next day. I was traveling so I did not have time to activate the card. I attempted several times to setup an online account but the website was either down, or errored out. I tried for several days. I decided not to activate the card because I was very nervous about this company after having so many issues before I even used it. I've received messages to my email saying welcome but still not able to access the account online to see balance or pay the activation fee.
I should mention I downloaded the app and tried it that way as well. Today I activated, and then tried. I called the card to cancel and they have given me a dozen reasons why the website isn't working (trying to tell me it's highly secure and that's why I can't get to it if I've accessed it more than once from the same laptop. When I asked to cancel the card, and that I would pay the fee if he could tell me how to access it online, the gentleman said I would need to mail in a payment or provide him with payment information.
When I was transferred to the supervisor, "Paul" he said he would close the account and not assess any fees. I asked for his location, where his office is located, and his last name so I could document the information so there are no issues. He said, he could not give last name, and that he was located in India. He did give me an ID number, which I'm keeping with the documentation and will check my credit score in 3-5 days. He said my account would be closed, there would be no charges, and they would remove it from my credit account. I do not have a good feeling about this, and really wish I had done my homework.
This company has been adding enormous fees daily to my card. They call me every day and literally 5+ times in a row! They even called me on Sunday at 7am!!! When they called back, my sister answered the phone and told them I was in the hospital! They insisted on wanting money and gave her personal information. When she informed them that it is illegal for a debt collector to call on Sunday, the man stated it was a business matter, not a collection call, then got irate with my sister and hung up on her! I refuse to pay hundreds of dollars on bogus late fees! I also refuse to give them my checking account information. I have tried to pay what I owe on several occasions by other methods (money order and prepaid debt card). They refuse to accept that form of payment. Beware of this scam company! I am in the process of writing to my states attorney general, the BBB, and the Federal Trade Commission! This has gotten out of hand!
I've had nothing but problems with this card from day 1. I tried to make a payment online and it would not allow me to. I called to speak to someone and I was told by 4 different people corporate office included that the fraud department does not allow multiple payments in a 30 day period. They were all very rude and gave me the run around. I DO NOT recommend anyone to use this company.
This was my first credit card and the credit limit is $650. I now have a Capital One card with a $12,500 limit, Bank of America $17,000 limit, Luxury MasterCard $25,000 limit. My FICO score is 787. My total debt on my credit report is only $282. So I figure let me call Credit One and ask for a credit line increase. DENIED. Once I get over the shock of it I will call Credit One back and close my account.
CREDIT ONE IS INTENTIONALLY ruining people's credit and it all starts with their call center. Also not allowing clients to log in to the website and forcing you to contact the call center to collect a payment fee is fraudulent. My account was unexpectedly closed and I never missed a payment. CALLED OVER 30 TIMES to be intentionally placed on hold for 30 minutes or longer. Intentionally closed my account, charged it off, and marked as delinquent when I never missed a payment. I'm a paralegal and Bankruptcy Supervisor at Law Firm. I'VE NEVER BEEN SO MISTREATED AND INTENTIONALLY set up like this in my entire Life!!! Getting ready to sue.
Should have never applied. They tell you the card has a set limit, you set the limit and before you know it it's over the limit you personally set. A 500.00 dollar limit is not turned into paying back 600.00 dollars. How is that possible. Terrible mistake. Once paid off I will most definitely CANCEL this card.
Credit One Bank credit card is the biggest rip-off. The interest rate is astronomical. They prey on people who don't have good credit. When you make a payment, it takes 5 days to post. Your balance changes everyday. They charge for everything. They claim, "If you want available funds sooner, make an express payment of $9.95" but it still takes 5 days to post. The representatives double-talk you and do not speak good English because you are speaking to India. This card should be banned. I wouldn't even rate this card.
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