Consumer Complaints and Reviews
Someone opened a credit card in my name. When I received the cards I did not activate them but shredded them. Then I received a bill from them. I called and told them that I did not apply for the credit card. The manager closed the account. 2 days later I get 2 more cards with different #s thru fedex. I called Credit One Bank again. This time she closed it and gave me a # that was suppose to show it closed. She said she put a fraud alert on the account. The next day I receive a letter from credit one bank saying they received my change of address. I called again. This time they told me that they credit one sent out new cards to the address in Florida, but that "they would not be able to charge anything on the cards. We even put a password on the acct."
Today I received 2 letters both dated the same day. One said suspicious activity on the acct and it has been temporary suspended. The other letter states that the account has been reopened. This time when I called 407.00 worth of charges on this acct. The person I was talking to said I had to submit a police report, and that his manager would call me back, to tell me what all I needed to send to them. As of now I have not heard back. 4 times I've had to call these people. Most of them could not even hardly speak English. Putting a password or fraudulent acct on this acct. did no good keeping the identity theft from going forward because their customer service paid no attention to them.
The worst customer service! I called today to get some account information and was not prompted to speak with a representative. I was not given an option to connect with a representative, I was finally connected when I did not select an option. The representative that I finally spoke to was not helpful with my questions and finally hung up on me. I suggest if they want to keep their customers they should work on their phone etiquette and actually listen to what their customers are saying instead of talking over them and ultimately hanging up.
I got a letter the other day saying that I was pre-approved for a card with a $1500 limit. Thinking it was capital one and since I have accounts with capital one I was like sure guess I will apply for this new card. When I looked for the website I noticed that it wasn't a straightforward site that says what brand card it is. I went to capital one and clicked on the pre-approval section so I could apply that way. The first thing I noticed is that capital one is 16-digit code while this back is 12. As soon as I seen this I only noticed that it actually wasn't a capital one card or any company that I have ever heard of before. Just would like people to realize it's not capital one like I thought it was.
I paid this bill in full twice. Each time they said it "didn't process". Then I realized the real reason is they sell the debt to their associated company and collect a higher interest. This is only legal in NV and a few other states. Really screwed me over. Then I try to pay the collection account and I keep getting hung up on. MY next step will be a lawsuit. Forget the fact they misrepresent themselves and Capital One.
I had used the Credit One Visa in Dallas to check into hotel on 10-3-16. I went online to make sure the hotel and refunded the "incidental hold" they put on card. When I saw my balance of my card was almost $600.00 I knew something was wrong, because I hadn't used this card except to check into hotel. I looked at recent and pending transactions (this was on 10-10-16) and saw numerous pending transactions for Uber in San Francisco and WEPAY in Palo Alto California and several other suspicious charges. I immediately called the lost and stolen card number and talked to a representative to inform him of the fraudulent charges. I found out from this phone call that someone named Francis ** had been able to increase my credit limit, add themselves as a secondary card holder and change my mailing address to Florida. I was floored. I had never received a call about all these changes my account and they allowed it happen!
I immediately asked that the card be stopped and the charges be investigated. I was given a reference number and was told the fraud division would call me back. My initial phone call was at 11 a.m. I waited until nearly 6 p.m. to call back and got another operator at the lost and stolen card hotline. She could not find that the card had been stopped, but was a notation of possible fraudulent charges. POSSIBLE... no they are and I told an operator that at 11 a.m. this morning. So now my card has still been floating around out there all day. Finally got it through to the lady from India that it should be stopped and I wanted to talk to fraud division. Funny, they can't transfer me to this day. I called on Monday, and today is Friday, not a phone call one yet. I have put freeze on my credit reports just in case, but Credit One does not get in a hurry. Then yesterday I get an email saying I've been approved for a second card etc... NO!! I want the cards stopped because someone else is using them.
So now filing police reports etc to cover myself because I don't think Credit One cares. I contacted the hotel in Dallas to let them know of the credit card breach and have been patiently waiting for fraud division to appear. The website login tells me my login is temporarily unavailable. Guess I can't even check it now myself. It's been a nightmare. Don't do business with them. I personally think the scam is inside their business so I'm not hopeful of getting my $$$ back. I just want the damn cards stopped.
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I have 2 cards through Credit One Bank (MC and Visa). I just recently paid off my Visa card. I used a different account to pay the balance and of course they took the money and applied it to the balance. Now my account is blocked. Said they needed to verify the bank account was actually my account. So I sent 2 letter from my bank showing the account were verified and accurate. They still refuse to unblock my visa because they can't figure out whether they have the letter or not. NOBODY knows anything. I have talked to supervisors (well at least they say they are). They can't back up anything they say. Said it was policy to ask for any documents they wanted. I asked for the policy, and go figure they couldn't produce it!! Shocking right!! Amazing they treat customer who pay off the balances this way. HORRIBLE, HORRIBLE customer services and they never seem to know what is going on. NEVER AGAIN will I use them.
Boy did I make a mistake when I got mixed up with this company. Credit One is a huge mistake!! For a month now, their website has been down and trying to contact customer service is a nightmare. I finally got through to someone two weeks ago and complained about the website not loading. First she told me it was my computer (no way) but I stayed calm and polite and told her I had tried their website on 3 different computers and it would not load. Then she tells me it's down for repairs? Come on... Anyway. I just got off the phone (for the 3rd time) complaining about the website and again I was told it would be back up and running in 3 to 5 business days. I then told her, "that's what you told me 2 weeks ago"...
Now, when I make a payment I have to call them on the phone... my issue is this - any business I have worked with in regards to an account, they NEVER ask for the full SSN and Account Number... What is wrong with this picture? Oh how I wish I would have never gotten connected with this fly-by-night organization!!! What can I do??? Oh, BTW, the only number I could find was actually from my own bank. Yep, the only payment I have make through my bank to them comes with their routing number, which I searched online. There is it!!! 702-269-1203...
I have received the worst service in my life because Credit One Bank closed my account based on a mistake they made. I want to maintain my account closed and I do not want authorize it reopened again. Reasons: They made debits two times from one payment. I asked for my refund for one of them, and in addition they asked for late fees for a payment that I already paid plus charging interest for that and they still said I have not paid. The persons attending the call transfer the call from one person to the another without resolving anything or hang up on me.
Credit One charges my Visa and MasterCard accounts $8.45 per month. When asked what the charges are for, there is NO clear explanation. I had paid off both cards. Next thing I'm getting phone calls about a balance due and a late fee. Here is the problem, THEY NEVER SENT ME STATEMENTS that I had charges on my credit cards. I never used the cards and I am not paperless with them. I received paper statements when I did charge something. How in the world is one suppose to know there is a charge on one's credit card if they don't send you a billing statement? I have to call and BEG for a paper statement, then they don't send it and then they charge me late fees. TOTAL FRAUD. I finally wised up and cancelled both cards. YOU SHOULD TOO. My next step is the authorities to look into their fraudulent business practice.
Every other creditor I have, I pay my bill and there is nothing else for me to do. With this company, you pay your bill and if you are lucky it will be processed. They do not do email confirmations. A prudent customer of this company should always call to double check the payment was received and get a reference number. You should also print out your confirmation page. And then check two days later to see if your payment is reflected online.
That is what I do, and today I saw two late payment fees. I called and Credit One and they said it was a mistake and they would remove the late fee charges. I asked them for a reference #. They could not give me one. They said call back on Monday. I once tried to do two payments in a month and they would not let me do it until they went through a confirmation process with my bank. Never mind the fact that I had already made online payments using this bank. This banks doesn't post your payment until about 5 days after you pay. Not a good choice for a credit card.
I don't even recall applying for the Credit One Bank card, but I have one. I have NEVER used it at all for anything yet every single month a new charge of just under $25 shows up on the card. Because I've never used it, it's locked up in a file cabinet and I've just about forgotten all about it. Yet very month, several weeks BEFORE the payment is due, they start calling me repeatedly, 8-12 times per day for a payment that is not even due yet. Maybe they are so desperate for my $25 that they can't wait until the payment due date? They promote the card as a great way to rebuild credit which confuses me yet again, because I have no need for that either.
In any case today when they called and I finally had a chance to answer, I told them to go ** themselves, paid the $24.95 online and will be cancelling as soon as the payment is posted off the balance. If you desperately need to rebuild your credit and can't get a card anywhere else, just be prepared for the constant, classless harassment from people who barely even speak English (or any discernible language for that matter) for your minimum payment due several weeks before it's actually due. If you're not terribly desperate for a credit card, walk away, look elsewhere.
I have been in dispute with Credit One since july. It is in reference to my account. Credit One states that I missed my july payment. They charged me a 25.00 fee, reported me to the credit bureaus as a missed payment and reported me to a collection agency. I have mailed them a copy of the check for 100 dollars. They state that it's under investigation, they been saying this now for a month. Have spoken to so called supervisors and had no luck. Would like a resolution.
This company will send you a credit card when you never requested one. They will ask you for your SS # and birth date even if you never applied for credit. Buyer be aware that this company is not honest in your customer service representatives that are calling from Asia. YouTube video explaining excessive charges explains it all.
I have had excellent payment history with Credit one and they have increased my credit 4 times without me even asking. I originally got this card to reestablish my credit. It's been almost two years and I now have another credit card. Although I have received so many other credit card offers in the mail, I decided I would only keep Credit one and my Barclays.
So here goes my nightmare with Credit One. Over a month ago I was purchasing clothes online. When I tried to pay, my card declined. Sometimes its the website or whatever but I didn't think much of it. I used my debit card to pay for the stuff I was buying. About 2 weeks later, I went to log in to my account to see what my balance owed was as I wanted to make sure to pay it in full. When I tried to log in, the website said "your account is temporarily unavailable". Hmmm weird but I chalked it up to their routine website maintenance. Then I go on a trip to another state. I didn't realize I left my Barclays card in my drawer. I go to pick up my rental car and the rental agent tells me the Credit One card declined.
In my mind, I was thinking impossible. I haven't used this card in a long time and I should only have a balance of about $100 and an available balance of $1400.00. I was embarrassed but called the 800 right then and there. The customer service agent was completely rude and had me verify my information on file 2 times. "What is your full name? What is your name as it appears on the card? Last four of social? Phone number? What was the last transaction you made on the card?" ("Ummm I don't remember the last transaction I made on the card. I haven't used it in over a month.") Then he went over the questions again.
Finally he said they blocked my card because there were some suspicious activities online. When I asked what activities, he said it was the clothing website I was trying to buy clothes from. I told him it was me trying to make those purchases. He then told me they would have to send me a new card which would arrive in 7 to 10 days unless I wanted to pay a rush fee of $50.00 and I would get the card in 2 days. I told the rep that I was in another state now basically stranded without a car and how was I going to pay for my hotel rental. Oh by the way, I didn't have my debit card either because I was waiting on a new one. My dog had chewed up stuff from my purse along with the debit card and some of the numbers were no longer visible and the stripe did not work.
I asked the rep if they just couldn't reinstate the card that I had in my hand and he said no. I asked why they hadn't notified me via e-mail or even a phone call to let me know that there might be "suspicious" activity on my card and that they had blocked it. He said they do not generally do that. At this point I had to contact a family member and stay with them while in that state. It was so embarrassing. When I was finally back home, I tried to log in to my account again and it still said access to my account was unavailable. I called customer service again.
Again, I was asked a ton of identity verifying questions. The customer service agent said "OK, now I will go ahead and reinstate your card (the same exact card I tried to use when out of town) and you can begin using it again." I said "WHAAAT?!? You mean to tell me you do not have to send me a new card?" She said "That's right maam." I then asked why the previous customer service agent said they couldn't reinstate me and had to reissue an new card. WHILE I WAS STRANDED in another state. All she said was "I'm sorry to hear that maam".
I then told her all I wanted to do was find out the balance I owed to pay it and close my account with them. She told me I could do that but they couldn't close the account till the payment posted even though on my end the payment shows its immediately withdrawn from my account. This is the worst experience I've ever had. I'm just waiting for my payment to post [on their end] to close the account with them. Besides, I cannot stand to hear those Indian accents. I discourage everyone from giving them business. They treat even their best paying customers like crap.
I am trying to rebuild my credit, and Credit Karma had suggested I apply for a credit card with this company. I was approved for a 500.00 credit line, and was informed I would receive my credit card in 7-10 business days. After approximately 20 days, they sent me a letter stating my time was running out to activate my card. I called and informed them that I never received my card. They asked if I had put my apartment number on my application??? They had already sent me mail, which I received, so they were fully aware that I indeed included my apartment number.
They reissued the card, and said I would receive it in 7 - 10 business days. After 15 days, I called to close the account they opened, because at this point I was concerned about being scammed. They then offered to send me another card expedited delivery 3-5 days on my door step. After 7 days, I called and insisted on closing this account. I will keep everyone updated on how this company responds to this problem.
I got a preapproved letter in the mail and called the number that was given only to find out I was declined. I called to find out why and they refused to tell me over the phone. They said I would get a letter telling me why. Now what I don't understand is why I was approved in the first place. They should check credit before issuing a letter.
I had two failed payments within a week of each other. Not because of lack of funds but because the account # was incorrect. Credit One closed my account immediately. I was in Mexico at the time and went to use my card I had previously thought was just paid off. Turns out it was cancelled and that was somewhat disconcerting and a bit embarrassing. I called in to make a payment and to reinstate my account but they said I could only make the payment, not reinstate the account. Oh and they wanted to charge $9.00 for a service fee!!! What a bunch of crooks. These people prey on people rebuilding their credit only to try and make it difficult to do so. STAY AWAY FROM THIS COMPANY. They need to be shut down.
On Aug. 12, 2016, someone at Credit One Bank checked the balance of my personal checking account, and authorized an "Express Payment" of $809.95. My bank account had just over $850 in it at the time, and the bank stole the maximum they could without going over my balance. I was out of town at the time and only caught this fraudulent activity 4 days later - during which time I was bouncing checks like ping-pong balls.
When I called the bank, they said that I made the payment - and they were sure I did so. I told them that I was out of town at the time with no internet access, so I could NOT have made the payment. They said it must have been a hacker who took this action (pay my credit card bill?) but that the funds would be returned to me. Three weeks later - no funds returned - and NO payment shown on my account. Where did my funds go? They did credit the $9.95 'express payment' fee back to my card account, but they did NOT credit the account for the $809.95 they were still holding. I called them again, and they said that it would take 30 to 60 days for their fraud team to 'find out what happened'. Another week goes by, and I call them again. This time, they say that a check will be mailed to me immediately, and I would receive it no later than one week later. No check arrives.
Now, it's 5 weeks after they seized my funds. I called them again today and asked to speak to a supervisor. Note that there ARE no bank supervisors at the telemarketing center in India; there are only TELEMARKETING supervisors. You can never speak with an actual bank executive. Today, the supervisor told me that I need to contact my bank and CANCEL the payment from August 12th - a full 5+ weeks after they took the funds.
Clearly, Credit One Bank is guilty of at least 5 violations of the OCC (Office of the Comptroller of the Currency) regulations. 1.) They accessed my personal checking account - NOT for credit verification - but to see how much available funds I had. 2.) They took the money without my permission. 3.) They did not credit my card account for the money they took. 4.) They continue to charge me interest on the full card balance prior to the $809.95 payment. 5.) They are not paying me interest on the $809.95, even though they have had it in their possession for over 5 weeks. How can a bank get away with such flagrant banking law violations, in this day and age? Has anyone else had this happen to them? We may have the makings of a class action suit. If you are even REMOTELY thinking of getting a card account with this bank, RUN AWAY!!!
I opened an account months ago and have been able to access my account online only two times. They say the site is 'temporarily unavailable'... They force you to call and make a payment so that they can charge you to make the payment, incur late fees and be unaware of your balances and transactions. Shady ass company!!!
It is interesting to read these reviews. I doubt no one. I, however, have not had an unpleasant experience with Credit One. I have placed two or three calls to this company, but I have never spoken to anyone who was not a native speaker of English--my account is about 18 months old. My interest rate is about 24%, though I would like to see it lowered. I have, on a couple of occasions, accessed cash at the same rate of interest. I was given a $400 credit limit, which was raised within 30 days to $500 without any additional request.
I recently had the CL raised to $750 for a $25 fee. My annual fee is roughly $95 annually, though I plan to request a reduction in this fee near my next anniversary. I always pay online about a week before the due date and have never had a problem with being properly credited. I mistakenly believed this company was a subsidiary of Capital One because of the style of the logo--if it is not, that is definitely deceptive! The interest rate and high annual fee renders this a spendy source of credit, but thank goodness, I have had absolutely no problems!
I have a credit card with credit one with the hope of building my credit. I get at least a half dozen calls every day including Saturday and Sunday from different phone numbers but I have caller I'd and know that it is Credit One making the calls. I am not past due. My payment of 50.00 is due on 9/28 and they should not be calling me before that time. My account as a red past due on it but 9/28 is over a week away. I have given Credit One's information to my attorney and if the calls persist the attorney will file a lawsuit.
On 09/13/2016 I called Credit One to make a payment, but since I had already made three payments within a month they said I couldn't pay until the 23rd. On the 17th I get an email that says I am over my credit limit so I tried to make a payment then but the website kept timing me out. I couldn't complete the payment till the morning of the 19th. On the 19th I also noticed Credit One hit my credit report for derogatory account. When I called Credit One after seeing this I talked to Eva who refused to allow me to speak with a supervisor. She was not the least bit concerned about the situation. Advised me to submit a letter to fix my credit hit. Not very happy at all with how they take care of their customers. I must say it is the first time I have had business dealings with a company that you have to fight to pay the bill.
I applied for a Credit One card to help repair my credit and have been very happy with them. I'd recommend them to anyone looking to get a card with a low limit to start rebuilding or repairing their credit. As some others have stated before, I think the vast majority of people having issues with COB simply don't read the fine print. I had no surprises with annual fees, payment due date or the interest rate. Everything is spelled out in the application paperwork. I have had absolutely zero problems with this company. I have a feeling most of the people complaining here have little or no knowledge of how credit, credit card companies, and even personal finance, works.
Make your payments in full and on time, pay attention to your balance, read the fine print, and quit trying to blame Credit One for your own misunderstanding of how credit and money works. If you can't handle a credit card with a $300 limit, if you can't understand what you're signing up for and agreeing to, if you can't afford your payments or an annual fee, you probably shouldn't be applying for a credit card in the first place.
I filed a claim to dispute an unauthorized transaction of $1,251.05 knowing the credit limit is $300 which I was shocked this company even approved any over the limit transaction. While the dispute claim was pending, the company never ceased any reporting to the credit bureau and actually reported my utilization at 200%. This made my credit score dropped very low to the point I couldn't get approved for a home to rent. Credit One sent a letter, stated the charge is valid and closed the claim for some reason after I mailed them several documents confirming the charge was made without my consent.
So I filed a complaint with OCC to have this company investigated and somehow, Credit One realized I did not authorize the transaction 8 months later and closed the account. They never fixed the previous negative reporting, still are reporting high credit utilization, past due and was still charging me for credit protection which I never wanted in the first place. I endured 8 months actually 9 of harassment, embarrassment, stress, and disgust with this company!! I want others to understand the many flaws this credit card company really offers.
I wish I had never opened this account. Over the period of almost 2 years they have paid on time, plus extra amount to improve my credit score. Two months ago I requested an increase in my credit. It immediately had me over my limit even though their company approved me. I was charged late fees. And trying to speak to their Customer Service Reps are one step from abuse. From the language barriers to extensive time waiting on hold only to get someone who barely speaks English. And now I am stuck with this bad credit card associated with this bad company. Today I spoke with someone about my account, he screamed at me because I did not agree with what's on my account. BBB needs to investigate them!!!
I applied for this credit card and saw it was processing. I had to call customer service because I had accidentally submitted twice so 2 cards were pending. The guy at the other end of the phone said I will get my cards if I send them a copy of my social security card. I asked if there were other forms of ID I could use, and he said no - which was odd. I did take down the address. I was planning on reading the reviews and seeing if this was a scam before taking that step. The mailing address was not Credit One Bank, it was "Customer Service" and a PO Box in Las Vegas. I am definitely NOT sending a copy of my social security card to anyone.
I'm absolutely appalled by the reckless, ludicrous and downright inflammatory comments/reviews of Credit One Bank and their credit cards. For all intents and purposes, they're a relatively new company. I mean, who ever heard of them before last year? Every company, big or small, has to start somewhere. If that means hiring overseas (and NO, I do NOT like dealing with thick accents or scatterbrains), then so be it.
I just started to rebuild my credit in May, and I needed a quick interaction with simplicity and results. Credit One has met those needs with flying colors. When I visited some sites (Credit Karma, Experian, Nerdwallet, etc.) to brush up on my personal credit score and reports, I found I was starting with a pretty low one - 627, I believe it was. After 1 month of using my Credit One VISA w/ limited 1% cash back benefits (again, you gotta start somewhere) and paying my $75 annual fee upfront (Jesus people, it's only $75, and it's SPELLED OUT FOR YOU in the terms), my score went soaring to 670!
I continued using my card sparingly (it only had a $300 starting limit), and then after 2 more months of on-time, in-full payments, my score hit the mid-680s, and I decided to take a shot and go apply for the Chase Freedom Unlimited VISA. My initial plan was to wait until my score went above 700, but after reading some CK reviews and seeing folks that went for it with scores in the 660s and getting approved, I went for it at the beginning of August, and to my delight, Chase approved and granted me a $4000 limit!
It was amazing to feel wanted by a reputable bank like that, and for such a hot item like the CFU card. The 1.5% cash back on every purchase is awesome, and Chase's terms and fees / %'s are comparable...but the sign-up bonus is out of this world! $150 cash back after spending just $500 within 3 months. I met that within 3 1/2 weeks, and should have no trouble at all in paying the card back in full on the first payment due date.
Ok, so talking about Chase Freedom Unlimited was a bit off topic, but I had a reason. My Credit One VISA, and the simple yet very positive experiences that I've had with it, are why I'd recommend this card to other people. And in fact, I already have! Hell, I even went ahead and upgraded my card design for a minimal fee. All you have to do in order to avoid getting nickel-and-dimed is just pay your bill IN FULL and ON TIME. That ain't hard, especially when this card is meant for rebuilding credit and your $$ limit won't likely be very high anyway. Always keep your balance under wraps and you won't have problems with this bank. As one reviewer said, I do kinda sorta dread the day when I have to contact customer service about closing the account, but that won't be for at least another 6 to 7 months. It shouldn't be that big a deal anyway.
Bottom line - DO NOT read all the pish-posh negativity and necessarily believe it right off the bat. Again, like the other people who are actually in the know (about how to use their credit cards, and how to read terms) have said, this company and its products are for those of us out there who have experienced a downward spiral in our credit score/reports, and need a pick-me-up.
I just got a credit card from them and it's 500 dollars credit limit but because of the fees my balance went up to 502. My due date is sept 14 and they started calling me on sept 9 telling me that my account is overdrawn. I said, "yeah first of all why the hell are you calling me 5 days before due date? Second of all, it's just 2 dollars overdrawn." They suck bad... I hate getting all those calls.
Credit One has the worst customer service who calls you nonstop and you can never understand what they are saying. My balance wasn't even past due and they kept calling me and wouldn't stop asking when I was going to pay on my balance (mind you it was not even close to the max limit) and also have not even been able to log on to my account online for the past MONTH! They still have not done anything about it. They overcharge you and don't work with you. I would NEVER recommend this terrible credit card service to anyone.
Credit One Customers off their Web Site and charging Phone Pay! The Customer Services Listed on the Website states WEB Problems Call a Number Listed There. When the WEB Problems Number is Called the Phone Call Employees read a Scripted Message that includes Excuses such as: "Our Web is Site is Down and Will Be Repaired in a Day or two", and the Following Week, they say: "It must be Your Browser", and other Excuses until they say: "We can Process Your Payment for a fee of nine dollars"; which is the Credit One Bank's intention in the first place.
Credit One Bank Company Profile
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- Credit One Bank