Credit One Bank Reviews

They put a fraud investigation on my card and suspended me from using my card. I called to sort it all out and they need my bank statements and my ID faxed over... I did all they want and they said 7-10 business days and I should have access. It’s been over 20 days now. Still no access. Ugh!

I thought I was signing up for a Capital One card but I was duped and they are charging me an annual fee of $75 even though I never received a card. They are clearly pretending to be Capital One and I feel this is illegal.

I was charged twice for a returned credit. I was given a temporary credit of $248 which was reversed because Credit One determined I was at fault. This is a lie and I was given one option: file a police report. Now I’m being overcharged and I now have a balance of $566. Credit One is refusing to reverse this, I’m literally being robbed. DONT DO BUSINESS WITH THIS ENTITY.

I got my first unsecured credit card with Credit One Bank. For the first couple of months everything was fine. I paid my balance off in full. When I tried using the card they had suspended it. When I called they told me I have to send them my information in the mail. They also suspended access to my account where I can't even make online payments. I will never send payments through the mail so I now have late fees and derogatory remarks on the account. I honestly got so frustrated I let the account go delinquent. I plan on paying it off but they make it near impossible to do so. I don't recommend anyone get this card! They have no problem taking your money and then closing your account!

It's funny when you owe the bank money and you don't pay it in time, they go running to the credit bureaus, they charge you a late fee. But when they owe you money back THEY TAKE THEIR SWEET ** TIME PAYING YOU BACK. WELL YOU KNOW WHAT? PAYBACK IS A BITCH!

My wife and I have 3 of their cards and use them sparingly, we prefer to use Capital One cards. In March of 2018 I did use their card and needed to dispute a car rental for $449.63, they made me jump through a bunch of hoops as though I was the criminal and they still haven't refunded my money! I had to write a complaint to which they responded with phone numbers to reach them and the numbers aren't even valid! The letter they sent me with the wrong numbers also stated that they needed the following information and the information that they needed was left blank. I have tried numerous times to contact them and only get someone in the Philippines who I can't understand, I should have used my Capital One card or my Discover card, needless to say... I will be getting rid of all 3 of their cards and suggest to all of you out there... STAY AWAY FROM CREDIT ONE CARDS!!!!

I actually have two Credit One credit card. I have been a long-time customer. When they are logged in to pay the bill on them and I noticed one of my accounts was no longer linked. I called them and they said my account was locked and they wouldn’t tell me why. To verify my account they asked me questions like how long have I had an account and what day is my statement Is due. Well I don’t really know the answers to those questions because I do everything online so now they want me to mail a copy of my driver's license and a copy of my paper statement. They didn’t even tell me what address to send it to. As soon as I get this sorted out I will be canceling both accounts.

Credit One cards are a rip off. I pay so much on them monthly but still my credit limit isn't going up?? Where is my money going. It seems the money I pay is going somewhere else. I'm not happy with their cards at all.

Unsafe and data issues with no authentication and compliance failure. Maybe not regulated in the Philippines. Be cautious and do not call the number on the back of the card. I have my phone call recorded and it is unsafe to operate with this company. I have had a card for a year and never had a problem paying or accessing my online account. Until I had made a payment that wasn't even due for 5.00 and on the same day my bank notified me of fraud and stopped my debit card to protect my information. I called and let the Credit One rep. know of situation and they said, "No problem. Thanks for calling."

Have had the card for a couple of years with very little use of the card on my end. The only card I have that charges a monthly fee. When their mobile app changed I could not log on to pay these fees. They did not mail bill either. They do not send invoices but turn you in to credit burrow. There was NOT any charges on this card for over 1 yr on my end. Don’t get caught up with this outfit!!!! This institution is a scam!!!!

Credit One Bank defrauds its customers. Credit One Bank defrauds its customers more than any company I have ever come in contact with. Not only do they misappropriate your payments to accounts not currently open in your name, but they allow fraudulent charges to your account with no help to remove them. They charge you interest on top of those fraudulent charges, and even block access to your account. When you write to file a complaint, you are forced to do it on their social media sites, since they do not respond to any email correspondence. When you voice your opinion online, they block your comments. Their reviews speak for themselves.

I've had a credit card with Credit One for about 2 years now. I've only been late with a payment one time. They called me for several days all day long!! Then they charged me a late fee after the fact they had received my payment exactly on my due date. They gave me the excuse that I was charged a late fee because of the time my payment was received. Entrance rates are high and they charge you 8.95 each month. I cannot wait to pay off this card and never use it again!!

I applied for this card about 2 years ago just to up my credit score. Up until December 2018 I had no problems with this card and was even given a few credit line increases. But alas, in Dec of 2018 my card was compromised {stolen}. A bunch of online unauthorized purchases occurred, I contacted their credit card fraud dept and was told that they would investigate the fraudulent charges and in 90 days a decision would be made and I would not be held liable. 115 days later they closed the case and are holding me accountable for these fraudulent charges. I was told I needed to file an official police report and they would send me the transactions from Dec 2018 to present. They did send me transactions but only for the month of March 2019.

I have received literally up to 30 calls per day from various phone numbers associated with Credit One Bank starting as early as 8 am. I have spoken with representatives regarding the calls and they are still calling continuously. I have NEVER been harassed by a company before in my life until now. Now due to the harassing calls I'm considering closing my account with this company.

I was really in the negative comments on this site about Credit One, but I have to say I have never had any issues with that and I’ve been with them for about two years. People have to realize they are a small company and although I don’t necessarily agree with some of their fees they have to charge these fees for the company to grow they are not some huge company like Capital One or Chase. One thing people need to realize is they give credit cards to people with bad credit like myself. After my divorce my credit was ruined and nobody would give me a credit card except Credit One.

Applied for the card on 3/19/2019, as of 4/9/2019, I still have NOT received the card. Spoke with over 10 representatives that assured the card was sent or that they rectified the problem. My terms and conditions state that I should expect a $39 annual fee for the card, which today I was told is actually $70. It's really disheartening how corporations such as this lack of integrity in the way they handle business, particularly with those building or rebuilding credit. It's becoming more common that these enterprises are exploiting those who are trying to get things right or back on track, for their corporate gain, and unfortunately, the government is in support, as they are LEGALLY allowed to include clauses that waive your right to arbitration. The FBI should be investigating companies like THIS, on a regular basis.

They have a similar logo to Capital One and that's the company I thought I originally applied with. That stupidity is on me. I requested and confirmed the closing of this account on March 25th. I received email that account is closed on March 26th. On April 7th I get an email from this company that they made 2 small deposits into my bank account and I need to contact my bank then verify it with Credit One. This is why I closed my account. I told them they can't access my account when I did not request automatic payment option. So now I have to close my bank account and get a new number because of these idiots. I'm reporting them to my states Attorney General office but they probably will not do anything, but they should.

I have had 2 of the cards for around 3 years, paid my balance every month, never carried over a balance. Only twice have I had credit line increased and they charge you 24.99 to up your credit line app $250.00. I finally got tired of paying the monthly annual fee on 2 cards that I never use anyway and it took me an hour and 4 transfers before I actually was able to close both the cards. They do not take no for an answer, they will transfer you around, make you wait app 15 mins each time and I guess they hope you will just hang up. This company is nothing more than a scam, the owners should be in prison. I WOULD NEVER RECOMMEND THIS COMPANY TO ANYONE.

Credit One Bank is an awful credit card, annual fee billed monthly, customer service is horrible, numerous calls (and no my payments weren't late) and they actually give you a hard time when you want to pay your card off, and don't even think about making more than one payment a month, they will freeze your payment and make you verify your account all over again just so they can get the extra finance charges. Stay away!!

The balance that showed on my online account was over $300 below my limit, but my card was getting declined due to insufficient funds. When I logged in, it said my recent payment had posted the day before, but my available credit was still only $19. When I talked to the person on the phone she insisted on reading off every charge to me, as if I was going to add it all up in my head, and continued to insist that my payment hadn't posted. Then she said that even though it had posted, I still wasn't going to have it actually available until three days later.

I’ve been paying my card down and the interest rate is so high that even though I am paying more than the minimum amount it doesn’t make a dent. Every question you ask about some type of help “I’m sorry we can’t, I’m sorry we can’t.” Oh and “I understand but there’s no other options or ways to help you.” I regret the day I filled out the application.

When I started to rebuild my credit, Credit One was the third card I applied and was approved for. They started me with a decent credit limit - for someone with very limited credit - of $500. After being with them a little over a year now, no missed or late payments, keeping a fairly high utilization rate, paying more than the minimum each month, and then paying it completely off with my taxes in one chunk and then leaving it be for the last month - I signed in today just to check on things, I was surprised to see 2 more offers than normal. Curious, I checked to see what they were and one was for a credit limit increase (which was approved immediately for another $200, raising my limit to $700) and the other was a pre-approved offer for a MasterCard because of my "good behaviour".

I have had this card for almost two years, no issues. I made a payment using their express payment using MY debit card that is in MY name to pay MY credit card bill that is also in MY name. They have now suspended my credit card because if the payment, marked it as fraud, and now I can't log in online or use my card. I have spoken with 3 representatives, two supervisors who told me they would "monitor" my account, and finally a "Manager" who said the same thing.

I got this card to help rebuild my credit. I would only use it for small purchases mostly and pay it off every month. In April I was getting BOMBARDED by phone calls form an *$$ number and looked it up to see it was credit one Bank which was odd because I had paid my balance at the end of Feb. I log on to my account and noticed it says I am past due with a $12 balance ($6 of which is a late fee). Evidently they charge you interest EVEN if you pay your balance off AND that interest charge is not reflected in your online total until your next billing cycle. I made a purchase at the beginning of Jan for $400, they charged me $6 interest the middle of Jan but did not include it in my online balance until I paid what it said was my entire balance on Feb 22. Consequently they hit me with a late fee on the "unpaid" interest.

Do not apply for this credit card. They increased my credit limit twice because I was paying on time and I just found out that they charged me $24.95 each time they raised my limit. I NEVER asked them to raise my limit. You can't contact an actual person in customer service and the only way to dispute a charge is to send them mail at some PO box in Vegas. STAY AWAY!!!!

This company charges $9 for express payments or it will take up to 7 days for a standard payment to post. So, I made a express payment, however, because I paid the balance owed my debit card were suspended until I showed proof that the card belonged to me. Additionally; the interest on this card is just ridiculous. If you're looking to build credit, this is not the way.

So I make a payment using their express payment using my debit card that is in my name to pay on my credit card that is also in my name. Then they suspend my credit card cause I made a big payment and the marked fraud. So let me get this straight. I have never been late on a payment. Use their express pay with my debit card that has my name on it paying my account that has my name on it. Now they want me to send them proof the card I used to pay is mine. Never mind the fact card is in my name. Stay away from Credit One. This company needs to be shut down and oh they put a fraud mark on my credit reports for making a payment with debit card in my name paying on an account that is in my name. Now you figure that one out. I produced what they asked for from my bank and still won't fix this.

Upon opening this credit card they said there would be no annual fee. Received my first bill and fee was applied. Set min bill to be paid on the 19th of each month and was charged every month a $25.00 late fee every month. They tried to say it was because I paid by phone and my debit card was attached to a checking account and they choose

I think this Credit One service in dealing with credit cards is the worst service. I used my credit card a few times. I was making payments. When I was late with a payment and I mailed in the payment it cost nine dollars and because my balances started to get larger from them adding on late fees after I was told by one of the reps to send in what I could until I got the balance down the balance never got down just kept getting larger. Now my balance is 1,833.18. I tried to consolidate the payments with a finance company and they refused it. They said I was more than sixty days late because if you make a partial payment they take the money and still charge a late fee. End mess up you credit.

On Friday March 22nd I was in contact with an account supervisor who told me my account had not been charged off to a collection agency. Credit One bank was aware that I had already sent put a check to resolve this account and pay in full. After the check was sent and confirmed by the account supervisor. I received a letter telling me this account has been sold to a collection agency. Two days after the payment was sent. The mail I received was dated March 20th and after speaking to the rep she stated this account was still going to be handled in house. Bad customer service after speaking to the corporate account manager. I have also filed a complaint with the federal reserve for misleading information.

I applied for a Credit One card to help build my credit. Didn't use the $500.00 limit card for over a year. Yearly fee comes due. I receive a call that I was almost late on the payment. Made that payment IMMEDIATELY over the phone. Was not told at this time that there would be further "yearly fees" in the two upcoming months. Although I changed my address over the phone with them that day I never received a statement. Still can't get an explanation of the additional fees (which equal over 10% of the $500.00 limit). Ended up missing a payment as a result of their incompetency. Dropped my credit score 50 points.

I have excellent credit (over 800 score) - and applied online for a Credit One Credit card which had 'NO annual fee'; approved immediately for $10,000 LoC. Yet, when the credit card arrives I read the fine print and it states (no annual fee 1st year then $99 per year thereafter). Well, I can tell you for a fact that addition was not displayed on the site in the details I read. Why give a free 1st year then charge customers? (The answer is simple: so they get hit with a surprise fee charged to their account) - I refused to activate then had the account canceled. Regardless- going through this process conducted a hard pull on my credit that was entirely unnecessary if they had been honest in their advertising. (ALWAYS READ THE FINE PRINT.)

Company reports you to credit bureau when you cannot even see the account online or get information when you call in. Very disturbed by their business practice. I reported card lost and froze it. Then they proceeded to charge a fee and remove it from all online account access or when I called in to check balance. They refuse to assist in removing from credit report even though they removed all late fees. This was 19.00!! Never ever get this card. Many upset customers for the same issue. They need to be fined for scamming people. They should be ashamed of their business.

While most credit card companies work with you when you have a financial hardship, Credit One is not one to. If you lose a job or experience a hardship that does not allow you to make payments, they do not provide any kind of assistance, even if you pay for the credit protection. It does not protect you. For being sub prime lender, they do not have the primary understanding of hardships.

I have been a cardholder for several years now. In the past when my account was compromised, Credit One Bank closed the account and issued a new card. I was satisfied. However, recently I have not had the same experience. My card was compromised by a merchant. Credit One instantly suspended my account. I cannot see the card in my profile. No communication was provided. When I called inquiring why I was told about the security breach with the merchant (Credit One will not release the name of the merchant). Until I mail (not fax or email) copies of my drivers license and two bills demonstrating my address I am unable to access this account. Including paying this month's payment. I find it very paradoxical they have a hold on my account for a breach of security of identity yet they are asking me to provide a photo ID and two of my personal bills to prove who I am.

Credit One was one of the first companies to offer me a credit card after I went through a difficult chapter in my life. I was grateful and accepted the card and even ended up opening two accounts with the hope of improving my credit. Maybe it was a mistake, because I was stuck with pretty high annuals fees on both of my cards. It seems that Credit One has the uncanny ability of sucking out every single penny that it can from its customers. I constantly received offers to increase my credit if I paid a fee. I am not sure to what extent they helped me to improve my credit, but within nearly one year I started receiving other offers (with no annual fees).

I have had an account with these guys for years, my first after needing to rebuild my credit. Everything was ok until recently when their website keeps telling me my online account access is "temporarily suspended". I call and we reset and provide security answers but the next month it's exactly the same problem. Is it possible that now that I have other reputable cards they are trying to cause me problems? I find this so odd, it's not like you do anything online except make payments and check your balance. What could their problem be?

Just about any time I have had a problem, Credit One bank has fixed it in a timely manner. They also do the right thing before I ever have to ask. Thank you for being available and for being friendly!

I've been with Credit One Bank for three years to date. I have been graced to keep my account in a pristine manner. I have received credit increases without fees. Even received refund credits in the mail. Here's the issue. I only pay the monthly annual fee of $8.25 immediately when posted online. I pay through the standard method. No problem there. I requested a credit increase to be denied. The reason; "Have not met standard minimum requirements in 90 days". Called customer service and they do not know what that meant. Well, this card started my credit history. I will wait and pay monthly annual fee for another year then close account. They have done me well and now the love affair is over.

Credit One gave me a credit card when no one else would. I admit, their rates are high, but if your credit is bad, what do you expect. If you pay on time, they WILL NOT bother you. I have nothing bad to say about them, because they were there for me. I pay it off every month and now my limit is at 1700. By doing this, the high rates never affect me. So please, STOP! Pay your bills, get your scores up and THEN you can get rid of the card since it's so bad.

This was supposed to a credit building card. Interest rate is absurd, and it never goes down no matter what! You can be on time and early every month for two years and they won't negotiate a better rate. After several months of having the card they offered me a credit line increase, IF I paid them a fee to increase it! Seriously, I laughed. Customer service is wretched if you can understand them. There are other cards out there that are better. Don't walk, run away from this offer if you get one!

This company behaves in a scam-like manner. They call at all hours of the day and night from different numbers all over the world, then if you answer, the person has such a thick accent that an English speaking person cannot understand anything they say. They absolutely torment you for as little as $25! This was a credit building program that I’m sure now I will have tremendous difficulty ever getting away from them. They CONSTANTLY called my phone while I was in surgery AND when my family member was dying and when we were trying to bury her. I have to turn my phone off because of these jerks!

If I could give them a lower rating I would. I should have received my card in January. They "sent it to the wrong address" then cancelled the initial card to be safe. Then 3 weeks go by. Still no card. I call them. They said they had yet to stamp it. 3 more weeks have still gone by. Still no card.

After about 8 months of using the card, Credit One placed a hole on the account and advised me that I would need to send in documents to unfreeze the account. In the meantime I had a payment due and they would not take the payment over the phone and I would have to send a MoneyGram or Western Union (like the con artists that they are). This late payment was obviously hit with fees and affected my credit rating. I have submitted a complaint to the Consumer Finance Bureau and requested that my account be closed. DO NOT USE THIS COMPANY!

I'm a former card holder as my account was subsequently CLOSED by Credit One Bank when I entered into Debt Management Program. I'm told that annual fees and interest will CONTINUE until my balance is paid in full. This is totally ludicrous.

They give you two options to make your credit card payments. One is a standard payment, the other is an express payment for 9.95. When you try to make a payment using the standard method, which costs nothing, they don't allow you to do it. They force you to make an express payment so they can burn you for 9.95. If you call them to complain about not being able to make a standard payment, they take your payment over the phone, then charge you 9.95, which their representative in ECUADOR, of all places, tells you he's not going to do, but he does it anyway. Why Consumer Affairs hasn't done anything about this legal scam company is beyond me.

I have had my card for 2 months now and it's a complete waste of time. $75 annual fee is a joke. Have had two $100 returned payments for insufficient funds even though my bank has no record of them attempting to charge my account. Customer service sucks. Tried to call and pay my balance completely off and they would not let me. The online or app pay bill does not work ever but try to call and they won't accept it and will hang up mid-call. Complete ** customer service sucks and my credit drops because they can't process a payment. I have two other CAPITAL ONE credit cards and highly recommend them. Stay as far away from Credit One as possible. Will just drop your credit because of their ignorance.

I got a credit card form them last year, with an authorized user (my wife). I never used the card, got a bill for $26 for annual fee and authorized user charge! After paying it, and never using the card, I called them and told them that I wasn't interested in the fees or the card. Cancelled it, they said that they would prorate and refund the money. This was 6-8 months ago. They still haven't given me the money and it appears that they will not. It isn't the $ amount, it is the principle of the matter. They are crooks and I highly recommend AVOIDING THEM IF AT ALL POSSIBLE!!!

I got this credit card in October 2018, attempting to build my credit. The 3 times I attempted to pay the full account balance on my account the payment gets returned and the card gets suspended. My bank has no records of the payments being attempted, their Reps called bank to verify funds available & the account information. Last month I paid $50 using the same account info and that payment went through fine. I'm convinced they are not processing payments so they can charge more fees.

This bank is a total and complete rip off in my opinion. I signed up for a credit card with them and 7 times out of 10 when I attempt to pay my bill online their system is either down or they have without my permission added some random deposit to my account. If they add a random deposit you then have to find this deposit amount and verify the amount in the system. Until you do this it will not let you pay your due balance. Problem is sometimes the amount has not posted in your bank account yet, therefore you cannot verify it. Therefore you are then late making a payment. Then they slap you with a late fee.

My payment was due on February 26th. I paid my bill on February 26th. Expedited the payment so that it would be posted. Paid $9.90 to do so. All day I was trying to post it on the internet on their payment portal which was not working. When I finally was able to call them I paid my payment. I expedite my payment. I look at my account this morning and they charged me a $25 late fee on top of the fee to expedite my payment so I wouldn't get a late fee. They are committing fraud to tell me if I expedited the payment I wouldn't get a late fee and then to turn around and give me a late fee when I paid the payment on the due date. This company is out to take people's money and I feel that as a consumer something needs to be done about this.

Do not apply for this card (biggest mistake ever... when you want a credit increase you have to pay for it ($24.95) and it's only $150.00. When you check your credit score, they give you the lowest score they can (their score 540) everybody else 670!! Finance charges 24.99 percent, and they have 5 contact numbers for customer service, and with none of them can you reach a real "live" person, which means if you want to cancel it, you have to figure out how to reach them (no phone contact or email contact to reach customer service). Everything you reach is automated service (pushing 0 just starts it over again). Run from this piece of crap, and save yourself a lot of hatred for this card!!

I work as a bookkeeper at a vehicle dealership with a separate service center. This card is the one we got for the service center. It literally takes 3-4 days for authorizations to post as actual transactions. Then you make a payment through a website that does not work more than it does, and then it takes another 5-6 days for those funds (that have long cleared your checking account) to be available for use. To remedy that, I sent in several payments ranging from $300-$1000 to the payment address and those payments cleared our checking account yet the card is getting declined. We have almost a $3000 credit balance plus available credit and the card is yet again getting declined. Our shop manager ended up getting declined at several vendors and I spent an hour on the phone with their so called customer service.

This is not the first time I've seen this but the website is unusable. I was trying to make a payment and verify my deposits into my checking account to make that payment. There is no human to call, just a completely automated line. This is scary to think my credit info is in their hands.

I have had a credit card with this company for some time. I rarely use it. I noticed that there were large monthly fees and a high interest rate on the balance. Last night I decided to pay the balance in full. That transaction went through. Then I told the person on the phone that I wanted to close the account. She did that (as far as I know). Then she said they were going to issue a charge off on my account. I had to look up the term after the call. It means they are writing off a balance owed because they are unable to collect. At the time she issued this, I owed nothing. This strikes me as “punishment” for closing the account. I read that a charge off you record lasts 7 years! I think there should be some sort of punishment for a company that decides to damage your credit rating out of spite! Stay far, far away from this vindictive company!!

I’m so disappointed with this credit card company. Years ago my ex husband opened up a credit card under my maiden name after we broke up and charged whatever he wanted. When I received the bill I was in total shock because I didn’t open up a credit card with this company. I called them and reported it was fraud that my ex had opened it up under my name. Few days later I received a letter with my ex’s info, his cell phone number that it was opened up with, who the phone was registered under which was someone else. Even though my name did not come up in this evidence they still did not take it off or close the account. Now these charges are still on my credit. I have no words, very upsetting, so upsetting. I guess anyone can open up a credit card online and use it. Thanks for ruining my credit Credit One!

I called Credit One twice since January for reasons why denial. Each time speaking with someone, they couldn't tell me exactly why and to expect something in writing. It's been almost two months now!

Never again will I fall for another bootleg credit card company. They are Capital One wanna bes and are doing a horrible job at it from day one. They block all your transactions. No matter where you go every transaction will be declined for no reason then you receive a text asking if it's you Y or N. Text Y then they say you may continue using your card then you swipe again. Declined!!! Call them. They say they fixed it. Wait 15 minutes. You wait 15 minutes then swipe again. Declined!!! Check available balance. Clear as daylight $500 make a payment $200 don't be available until a full week later and not the entire $200.

I got a Credit One cc to bnb help with my credit. Never have missed a payment and have no issues until this last January. I have an Amazon Prime membership and when they went to take out the annual fee it was declined. I received emails and texts to see if I authorized the transaction. I reported yes and they made me call. Even though this has been authorized via text, email and over the phone BY ME this transaction still is getting declined and my account suspended. They keep telling me to let Amazon know to put it back through because they have put an exception for it but it never goes through.

I have been a Credit One Bank customer for 2 years...Feb 7 2019 I put 300$ on my card...bought a plane ticket on the 11th of February...on Feb 12 put an extra 30$ on my card!! I went to use my card on the 15th of February and was declined...I call them and told me since I filed bankruptcy they took my card and no funds are available!! I told them they weren't in my bankruptcy and if I was filing they weren't in my claim!! They told me there was nothing they could do...So now I'm putting them on my claim....

I was pre-qualified for this card and tried several times as the annual fee would vary from $75 first year (then $99 year after) to $39. When I saw the $39 flat rate I decided to submit my application. I was then denied due to 'We found unusual activity'. I called them right away to verify it was me who submitted the application and they said there is nothing they can do and I should reapply from a secured computer on a secured network. I am using my home laptop (2018 Apple MacBook Pro) on my home network and never had an issue.

Pure trash! Every time I would either use the card or make a payment my account would get suspended. Then had to wait to get my account unlocked. Now I have a derogatory mark on my credit cause I needed to get away from them. There is a special place in hell for companies like this. People want to build credit not ruin it.

My experience has been very unpleasant. They have close my account without consulting. I still have a balance and credit available and was making my payments regularly and without any notification as email, phone calls or regular mail they just close my account. I think they do not care about the client's loyalty. They simply close your account without prior authorization or consultation with customers. They should notify their customer before making those decisions. Now they do not want to reopen my account nor open a new one and still I have to make payments to the account closed.

Honestly, I will admit that I made a few mistakes early in life. Like most, I tried to find ways to get by and ended up with this lovely card. The fees are ridiculous, customer service stinks (as others have mentioned have individuals with think accents which makes it hard to understand). I just closed my account, but I am getting daily emails trying to get me to come back. I also think that I may have overpaid on my final balance but I am afraid to log in as the last email I received from them, (just minutes ago) said that it I login again before 2/27/19 that they will reactivate my account!!! Gah!! Do not get an account with Credit One! Go move back in with your parents, do not get this card!

BY all means, please avoid this credit card company. I initially applied and received card in an effort to rebuild my credit after a bad divorce. Started off good for about 2-3 months, then their shenanigans started. I made an online payment through my checking account at another bank and next thing I know, I was charged for non-sufficient funds, AND A LATE FEE which was a lie because I have direct deposit and KNEW money was in there before I made payment.

I posted a bad review about 5 days ago. My account was hacked and my bank was a mess - 404.00 overdrawn. I was persistent in asking for refund of money. They finally placed refund was supposed to take 7-10 business days. It took 4 days and refund was in account. All bank charges were dismissed back to normal then I got a call from Credit One saying they were adjusting account to add 75.00 to it for my trouble and they would adjust Visa account as well. They did that and it took 24 hours and I think it was a great gesture on their part. Above and beyond.

I haven't had my card for even a month, called numerous times but can never talk to a person because their IVR either directs back to the main menu or directs you to go to the website, which only has the phone numbers for the IVR. I initially entered an old bank's account number and had updated it in the system three times, but Credit One keeps trying to charge the invalid bank. I even got emails letting me know the changes were saved, but they still do not update to the correct newer. Now I can't even log in and there is nobody to help me, yet they took a $75+ annual fee from me and I've never even used the card? This is such a SCAM.

Credit One operates under unfair banking practices. After making 2 payments and an error on their system. I request a refund of the overpayment. I contacted my bank. My account was closed and told they will report it to all 3 credit bureaus that they closed because of stop payment. You do not want to deal with this company.

I had this card and one payment was returned (didn't do it intentionally) and got a letter stating they would close my account if it happened again, it happened 6 months later even though I was making multiple payments a month. So they closed it. Trying to pay it back has been a nightmare, they lock you out of the systems; the app and online. So I have to call them every month to make a payment and they charge you a fee every time. The calls get routed to India and it's hard to understand what these people are saying and they call non-stop if you miss a day.

I have a credit limit of $600 with credit one! The available limit on my card was $7 and I never spent any of that. I logged on to my account and now see a -$5 balance and in my statement a reward for $1.70 which I see throughout the time I have had this card but never seen it added towards my account AT ALL!!! I see a past due mark for 02/20/2019. It’s 01/29/2019. I have never been late on payments for this card or any of my other cards. They are giving false information that is lowering my credit score and making other companies decrease my credit limit! That just don’t seem legal to me

Being self-critical, it is my fault because one (1) I chose the card and two (2) I made terrible decisions causing challenges with my credit. In saying that, this company BY FAR has the WORST customer service I have ever experienced. The amount of prompts prior to getting to a customer service rep is infinite, and although entering your social, and credit card number you have to repeat the information. Secondly, on three (3) occasions I have been charged a late fee although I have paid promptly. The worst! You can absolutely choose a better option, even if you are in the need of repairing your credit. #VULTURES I have attempted to email and all Robert **, absolutely absent. AWFUL and LACK OF CUSTOMER APPRECIATION.

I have not used this card in months, had a zero balance; however, I am charged a monthly "annual" fee and interest etc. I am basically paying $25 per month just to have this card, which I never use and will close asap. Since I never use it, I had not logged in until later in the month since I thought I had a zero balance, so they have called me incessantly to collect their pesky $25. Buyer beware.

Worst card I ever had. Only had it for about 2 weeks and I just cancelled it today!! They charge finance charges even though you pay the balance, you can only make 4 payments in 30 days and it takes 5 days before you can use the money you just paid them. Plus $75 annual fee and then $99 after that. Do not get this card. It totally sucks!!!

I FINALLY after about a year...or maybe more; got logged into my account online. It took so many tries and password changes due to incorrect error messaging and poor website experience in general. THEN when I DID get in after about 10 minutes (I am not kidding), the payment page was all jiggity jacked! There was code overlaying the top of the page design and I couldn't click any of the buttons. I swear on everything that is holy, these people don't have a properly functioning website. They just hire people to call you to make a payment and charge you $9.99. I don't care how desperate you are for a credit card... This one will not make your life better! It will suck your soul out through your nostrils and is not worth it! Dear God. That is all. Thanks for listening. :)

I received a Revised Card Agreement in the mail regarding 'my' account with this company. They gave my account number...4 numbers and stated that my new agreement is 25.9% interest rate with a $99 annual fee. I do not have a credit card with this company. I am guessing that a lot of people would ring the customer service number to talk to someone and get scammed. Unreal!

Credit One charges a $37.00 late fee for an hour past your due date. I was a date late and was charged a $37.00 late fee. Rep I talked to was very rude about it and claimed even if you're an hour late past your due date the fee is assessed. This card sucks officially. Capital One has better limits, rates and will at best send a reminder email or text when your payment is due. I have a newborn so yes a day slipped my mind. The reminder came that I was PAST DUE. Credit One claims to be there to help consumers rebuild credit etc but charging fees for people who are already financially challenged does no customer justice. Being that most are establishing, re establishing or rebuilding credit they pay the ridiculous fee. Credit One WAS the worst card I had and now I have canceled both cards! Be AWARE OF THESE CROOKS!!!

In June of 2018 I applied for a credit card with Credit One and was approved. All I seen was no hidden fees so I applied. Not realizing it I got a $75 annual charge in the mail anyways, I paid it because it was my error. Just recently I got a notice that my $75 annual fee will be $99 now and be billed monthly. At that point I decided to cancel my card. “A card that was never used”. I called Credit One to cancel and they weren’t helpful. I was on the phone for over an hour and completely agitated. I informed Credit One phone rep that I wanted to cancel and she refused and kept insisting it will ruin my credit and giving me a whole spiel.

This company asks you to set up several security questions to "verify your identity." It even asks for permission to text you details about your account (ex: Balance due, suspected fraud charges). I attempted to use my card on a site I have ordered from before, and they denied the charge. I thought I entered the number incorrectly so I attempted again. I received a text message from the company asking if I recognize the charges, to which I replied "yes." They responded that I am clear to continue using my card. However, I was denied several more times. Each time I would get a text asking to confirm my activity, which I again replied yes, but was denied.

Received a text from them stating a charge was declined due to potential fraud. I check my statement and noticed there were two more fraud charges. The person I spoke to said that I needed to contact the merchant multiple times even though I have never visited those merchants. They also issued a new card without informing me first and now I cannot close my account. Steer well clear of this company as they are not looking out for you but themselves.

Received a notice in the mail today (VERY official looking, even containing the little card agreement and rewards booklets) about my "account number ending in **". I have no account with them and never applied. I called the 877-825-3242 (which is also listed on Creditonebank.com) and so stupidly, not even thinking, I punched in my social security number when prompted (it was "checking on the status of an application"). When I got connected, a man with a Middle-Eastern accent came on and asked me to re-verify my Social Security number. As soon as this happened I knew I had been scammed. When I asked him to just tell me more about this letter, he started going around in circles and ultimately said "don't worry, you can trust me." That just gave it away. I hung up and contacted my actual bank, who has now advised me to contact the Social Security office as well as the three credit bureaus about this possible and likely fraud. Great.

The customer service is horrible!!! I had questions about an issue with the app and they wouldn't let me talk. They would interrupt me every time I wanted to explain the issue. That was so disrespectful but I decided to let it go and make a second call. I was still confused. I wanted to make sure the issue with my app wouldn't charge me twice. (I didn't know that they don't allow 2 payments in one day) Sean could have told me that in the first call.

So I got a card from Credit One with the hopes of rebuilding credit like most other people. The card showed up and I used it sparingly for the month. When the bill came up, I Paypal transferred funds and didn't think anything about it further. Two days later I get a call saying the payment was denied because I didn't authorize it... Umm it's my Paypal to my credit card, how is it not? At that point they proceeded to cancel my card on the spot and then charge me a $50 late fee! I refused to pay for it and told them where to go. Now as of yesterday, 90 days later, they gave me a charge off on my credit report giving me a 120 point hit and adding another $25 late fee! Many phone calls are being made on this one, stay away from this crap company.

Called them to remove the block they placed on my online access account and said it was due to a unconfirmed charge. Asked me if I accepted the charge, yes or no. I said no, but it looked like they had processed the charge anyways, based on my mailed statement. They claimed it was just pending. Lies, I have the statement! I said I just wanted the block off, she assured me it was off. But I still cannot access my account and NOW, GET THIS, I call and as soon as I enter my info to verify my acct., the call automatically disconnects!!! WTF. So mad. I'm hoping this is fixed by morning and they "unblock" me so I can make my payment in time. This is insane. I will not use this card again, after I pay it off. Which is what I'm attempting to do.

Be aware!!! This company is a scam. When you try to make purchase your card will be declined. Also they lock you out of their website. I called to see why my card was declined they said it may be due to possible money laundering. I have a credit line of $300.00 and what I used, I paid in full. I'm not sure how paying off this card could cause such a ridiculous accusation. The so called Supervisor "Mr. **" asked me to send my personal bank information to confirm I was the person that made the payment. I won’t be sharing this information. I called later that day to cancel my card. "Stephanie" wanted my password to unlock the account. As I begin to tell her, right away she told me that it wasn't right and of course she tried to pull more personal information.

I just received this card today, and within about 7 hours cancelled the card after trying to use it at several different merchants. I pretty annoyed by the $75 annual fee, plus the $8 fee on top of another $6.95 "design fee", all of which were not expressed to be paid as soon as you activate the card but since I am trying to rebuild my credit, I went ahead with it. I didn't get truly frustrated with the card until I tried to use the card, and with every attempt it was declined. I tried using it online first to make a payment...declined. Then I tried using it at Mcdonald's...Declined. Then I tried the most popular retailer in the U.S. (Walmart)...declined.

I'm NOT even a Credit One customer and someone from THEIR office attempted to scam me starting with $409.95 (3x), $309.95 and a $209.95. Somehow they got my legit ATM card number and attempted these transactions today 1-7-2019 starting at about 7:30 am back to back. Eventually my bank and I got together and I was forced having to cancel my LEGIT card altogether. With them using the Capital One logo, people think this is a real credit card, it is NOT. Used to get their "invitation" in the mail all the time but went in "file 13" on my end. READ everything thorough from ANY type of card invitation. Research them. Just a matter of time now when they are closed down, in my case, this was a federal offense.

I went to an ATM Machine a day ago to attempt to get a cash advance, I already checked my balance and available balance online before doing so. It was declined. Stating that I had to contact Financial institution. I went to Lowe's believing maybe this had to do with cash advance and attempted to spend $25.00 much less than my available balance that I checked online and also receive notifications from Credit One that I have the available credit. I called the toll free number, they informed me that my card was blocked.

I received an offer in the mail and I went on the website to see what the offer was. I was approved and was led to believe that there was no annual fee and I would have a credit limit of $3,000. Once I accepted the offer, I was hit with a $75 annual fee and given a credit line of $300. Far different than what I was led to believe I would get. The first payment came due and I decided I would pay it through the website. I set the payment up, which by the way you cannot select the date as they select the date based on the time of day that you select make payment.

This is the worst card I have ever had and the worst bank I have ever dealt with. I got this card to rebuild my credit but I am learning it is not worth it. These people are scammers. There has been many times when I could not make a payment online because I could not log in until the due date was passed. Just recently I made my payment a week in advance and it never posted. Now they are charging me late fees. I regret ever accepting this card. My new year's resolution is to pay this off and say goodbye to these idiots forever! Say NO to this offer!!!

I got this card to purchase my tax & payroll software (I own a bookkeeping business & need to update my software at the beginning of the year). I am unable to purchase the software I need online because their computer thinks it is a suspicious transaction. I have phoned to get the charge to go through and it will not... The last person I spoke to - a supervisor - advised me to wait a couple days and try it again. My clients want their paychecks on payday! I am canceling this card and if you plan on making any online purchases, stay away from these folks - they are bad news!!

Just read all the reviews for this company and you will get your answer. I first got approved and paid on time for months and when I had asked for increase, I was denied. I called to cancel and was then informed it has when I didn’t know. I was on hold after being transferred to the department handling closing account. I didn’t speak to anyone but when I called back, I was informed my card has already been closed. Please, do not accept or even attempt to rebuild credit with them. Credit One has been the best and automatically increased mine automatically. No for Credit One bank!

My card was hacked last year. Company finally worked to put a password on my account so I could talk to them. Almost 4 months before my money was credited back. Now I find one of my cards was blocked without notice to me. After talking to rep, supervisor, supervisor's manager and now the manager's manager (I think they are just passing me around the room in India) they will not unblock my account unless I send them my driver's license and utility bill to confirm my address. They say I purchase I made 2 months at Target that was shipped to my home went to a different address. Really? "You will not have access to your credit unless we receive these documents". I will pay off this card and close the account. Company is made up of thieves. Stay away!

These people routinely block your access to your account with no explanation. You call them and they say you have to mail information in to get it unlocked. They prevent you from making payments except during set windows obviously so they have time to make interest off your money. In addition if you want to make a payment that posts in a timely fashion (like within 2-3 days), you have to pay an additional "express" fee. If you pay it the "regular" way without the fee, you have to wait until the second coming for it to post. They then hide behind the poor innocent people in their Filipino call center who take all the customer frustration for their criminal bosses who hide behind the scenes. What else is new, right? The cowards who make the decisions always hide under a rock. Disgusting.

Never had a credit card. First company to give me a chance but the stupidest thing I realize is when your payment is due per se the 28th of the month even though you make the payment on the 28th they still issue you a late fee. Will be contacting an attorney regarding.

Aside from an initial fee charged when you open an account, they charge a monthly fee of $8.25 after your first year. When you accept a credit increase from them they charge you $25 just for the privilege of paying them more interest. When you discover that your credit card was lost or stolen (as happened to me) they charge you $25 for the privilege of receiving a new card. If you have made the unfortunate decision as I did to sign up for this card I suggest you pay it off as quickly as possible and cancel it as I intend to.

This company is the worst I've ever worked with. I am never able to access the website to make payments, on hold for more than 20-30 minutes minimum just to make a payment by phone, and the fees are horrible. They repeatedly suspended my account just for making normal transactions near where I live, essentially making the card useless. To make a payment by phone because their website is down or to get in contact because I'm locked out due to suspension, it takes 3 days just to allow me to log on to check my balance or get any information on the account.

Probably the worst credit card company out there. They charge 12.00 per month in fees. If you ever have to call for any issue you will never receive any person who speaks understandable English, even the managers cannot be understood. You cannot even make a payment on the phone, they only allow payments online which in my experience you also have to pay $5.00 just to make a payment online, so unless you have checks it's a nightmare. I recently ended my account with them after 3 yrs. If I would have paid attention to all of fees from the begin I would have ended it earlier.

The customer service representative 'MARY' asked me more than enough questions to verify my identity. But then she proceeds to ask me what was the security question I was asked when setting my account over the phone. This was over two years ago!! Even after I asked if there was another option to verify my identity (ie. text to my phone or email verification), she proceeds to tell me she cannot help me unless I verify the security question I was asked when setting up the account and the answer I gave. I asked to speak with a supervisor, after which I was put on hold indefinitely. I've never experienced anything like this. Credit One Bank is a diabolical institution!

Credit One Bank is a scam! They offer a $400 credit limit & charge an annual fee of $75 right off the top! Then charge you interest & late fees on top of that annual fee. The card is not usable. It gets declined every time. When you call customer service you will get hung up on & disconnected. There is never a supervisor to speak with. The attorney general should get involved & close down this scam of a company! They are taking advantage of people.

There are no words to describe the unethical verbal abuse one has to put up with their overseas customer's service department. I over a period of three months for different occasions have been verbally abused, yelled at, hung up on by overseas customer service representatives who hide behind a phone with no understanding that they are servicing Hard working American citizens that have no reason to be treated this way. The card is good to rebuild your credit but if you have to call in ask to speak to someone in the USA Las Vegas. I have 5 recorded phone conversations of unethical individuals violating all decency in human relationships. Someone in management needs to address this situation ASAP before more lawsuits are filed. Come to the USA and don’t hide behind a phone and we'll see how far you get with the verbal abuse.

Using a credit card is both a responsibility and a discipline. Long ago, the death of a spouse plummeted me into poor credit rating, so the climb out began. Beware of this resource. Owning this card is a mine field. First of all, this is a obviously a credit-building credit card; it targets the "low-end" customer and the vendor truly takes aim at that customer and fires hard. Though they have a fairly impressive user infrastructure online (hence, the star) surcharges for "express pay" and "custom card designs" are just a few things designed to bilk the unsuspecting.

I have had this card for a year. I have had to make late payments on a few occasions because the website is almost always down. I do not like giving my information over the phone. Then their website wouldn't allow me to log in saying my password was incorrect. Even after several resets, it would say the temporary password was incorrect as well. They told me I had to download the app. I downloaded it and when I tried to put in my banking information the routing number was off one digit.

I wish I could give this crap of a company ZERO stars. Please stay away. Best not to have a credit card than be associated with this company. I honestly don't know how they are in business and you can never talk to someone in the States. The workers are literally clueless and you'll never get any help from them. I had fraud on my account in April of 2018, still haven't received my refund even though I received a new card and a letter stating they did investigation and that it wasn't my charges and I will be receiving a refund. I call every week since but they keep giving run around. Basically the head doesn't know what the arm is doing. The minute I get my refund I'm closing this account. I have better cards with way higher limits and NO annual fees or monthly BS fees. Don't need them. Can't wait to close my account!

This company sucks. Fees are ridiculous, if you are late on 1 payment, they will call you 30 times a day from different numbers. The numbers are somehow always local to your current location and I have location turned off in the app on my phone. If you make your payments on time, it's hard to get a credit line increase. Plus they do not have an auto pay option like my other credit card companies have. Never missed a payment with Capital One doing auto pay. But don't get me started on their fees and lack of customer service either. Pay off your cards with this company and shred them. Garbage.

I would not refer this company to anyone. Someone had fraud on my Credit Card and I called it in before it actually went through and this company told me it would take 3 months to get my money recovered. WHAT credit card company makes you wait 3 months (during Christmas season) to reimburse you funds or make them available. So basically my money was stolen, and now this company is penalizing me for them letting a security breach through their own system. I wouldn't stay away from them if I were you. I personally can't now because they are holding my money hostage.

I received pre-qualified offer, figured okay I can use my main card less and use this card for random small purchases. Card arrives - I call to activate then I go online to activate online access and the nightmare begins. 5 calls in fifteen minutes I had to make as I kept getting error messages saying everything from ID and password not accepted or don’t match, computers down, one customer rep told me to answer security questions. Only thing is as I am not able to register I HAVE NO security questions set up, then they told me last four digits of social were out of sequence YET the four previous customer service reps had no issue as they too confirmed my social when I called.

This is one of the most horrible credit card approval I have ever experienced. Trying to build my credit score has CA it set me a decrease in my score. Approved for $300 and leaving me the availability to spend $150. On top of that a $75 annual fee was taken as soon as I received the card. A recent incident occurred 11/4/2018 via communication received the breach the customer's accounts and there was nothing to worry about. I tried paying my bill online and discovered my bank account information was gone and a debit card information that I pay my bill from is gone.

I have paid this credit card off and I noticed they were charging monthly fees between $8.25-$8.66 every month. I couldn't figure out why. When I called, they did inform me that, "Yes, it is monthly fees". They connect me to Account Specialist and they acted like they were going to do me a favor by taking the monthly fee away until JULY 2019. I have excellent credit and I've had this credit card since 2002 (16 years). I do not remember having to pay a monthly fee like this. Also, they sent out mass texts on "Your payment is overdue". I freaked out! I have a $0 balance. Credit One says it was a system error. You would think with all the money they are ripping people off with the monthly charges, they would be able to keep their system running smoothly.

Online application leads you to believe there is $0 annual fee. They do not send you any email regarding your application and then once you finally manage to log onto their website, you'll be surprised to find a $75 annual fee that you agreed to somewhere in their tiny fine print... UNETHICAL.

I am going to blog about this card company that needs to be put out of business. I receive an offer via mail. Accepted the offer without researching the history and customer reviews. That's my fault. I have only been able to use my card once. Each and every other transaction has been declined due to let them tell it to protect your card from fraudulent charges. I will call. Confirm it was me. I'm then told I have to wait 30 min then I can try again. However if it does not work use another card or wait 24 hrs. Are you serious? Once I verify I have to go thru all of this.

I received a text last night saying my payment was overdue. Funny thing I paid it off a week ago and knew I had a zero balance. I tried calling, getting on their website and could not. I worried all night. The acct got hacked with a link to my payments going to my checking acct. Called and canceled my card today and they tried very hard to talk me out of it. I told them I cut the card and to cancel. I received a confirmation number, but I still do not trust they did what I said. Will check back in a few days. They do not have an explanation as to what happened last night. Goodbye Credit One.

This credit card company is by far the worst I have ever dealt with! I got a card with a 300$ credit limit in February of 2016. I have paid three times the amount I have borrowed and still have a 650$ bill! When I try to pay my bill online they let me go log in and approve a payment then at the end they display a barely visible message saying I’m locked out of my account and in order to make a payment I have to call. Then when I call they usually charge a fee for paying it over the phone. The first few times a didn’t see the tiny error message and then was charge an outrageous late fee. They also charge a MONTHLY membership fee of about 12-13$! The interest rates are also thru the roof! This company screws you over. DO NOT GET!

Just received card on Nov 28, 2018, can't get a hold a customer service rep. Due date is not until Dec 21, 2018. Received message stating past due, then ask for Social by automation. Holding for 30 min and phone shuts off. I continue to call and nothing. Website is down. I will call Better Business Bureau and Credit Bureau tomorrow. This is sad. It's so difficult to keep building and maintaining and now this scam. I'm very upset. Now this...

I paid both credit cards off and canceled with this company in 03/18 and I just got a text from them with the last four numbers of the card I canceled saying my monthly payment is past due. 10 months later they're trying to bill me for something I have no idea what and I tried calling both numbers and they hang up after so many rings. I've tried going online and their site won't even open. It says they're available 24 hours a day and can't get a hold of anybody online or by phone. They're scammers trying to get away with something. I'm filing a Report with Consumers Financial Protection Bureau, www.consumerfinance.gov/Complaint, today 12/6/18. Hopefully they can get some answers!!!

This bank will end up in a class action suit in the near future because I intend to start one. I called about the annual fee and they agreed to waive it if I stayed... So I did. 2 months later they began billing me again for this annual fee. I tried calling again to cancel the card... Impossible. Today I just paid my balance in full and got a text message and hour later that I was past due when my billing due date is somewhere at the end of the month. I can't call to talk to a human because their phones aren't working and I can't log into my account online because their website isn't working either. Criminals...that is all I have to say!!!

Last year at this time I received my Christmas bonus and paid off all my credit cards. Credit One though ran the cell through twice on my checking account which then in turn put my account negative. Other checks were out still coming in running my account further and further and further in the hole 2 weeks before Christmas. I have children. I have a wife. I have grandkids. I called to resolve the issue and they refused to cut me a check and mail it back or just flat-out deposit it right back into my account which we all know is possible.

Closed accounts several months ago. Making payments on time! Harassing me with text messages that payments are late. Unable to reach them by phone. Their site isn’t working! Never happened until I closed my accounts. So sorry I ever opened accounts with them!!! They are not available. I’m afraid they will ruin my credit! This company is a fraud! So many are complaining about the same issues. They need to be reported. Make a payment, decide to close accounts and the harassment begins!!!!

I wouldn’t advise anyone to ever get a card from them... I got the card to rebuild credit...I went to pay them on the due date which had to be paid by 5:30 Pacific Standard Time. I paid by 4:30. I called to be sure I was on time. The rep said I was. They still charged me a late fee reported it on my credit... They show you your credit score. It’s not accurate. Been with them over 8 months no credit increase. And today I got a text saying my payment was past due and it’s not due for another week... Once I get them paid off I am closing the account. I don’t care if my credit score does drop.

I've had a card from Credit One for roughly 4 months. In my second month, I was unable to reach their website from home or work trying to make a payment the day before my due date. The site was not working. I called them and they refused to acknowledge that the site was down, and told me I had to pay a fee to make a payment over the phone. I was not happy. 2 months later, I get a text from them that my payment is late. How can that be? I check my Outlook calendar, where I keep all my monthly payments as recurring appointments, and there is Credit One on the 16th each month. Today is only the 6th. I checked my last payment made to them, it was on the 14th of November. How can I possibly be late?? I try to log in, site won't respond. I VPN into work from my computer (home internet is Comcast, work is FIOS), thinking maybe it's a Comcast thing. Nope. Can't reach their site from my work PC either.

I received a text this evening stating that my card payment is past due. I find this interesting because I just paid them on December 4th 2018, which was 2 days ago. I attempted to login to their website numerous times on my computer using both Internet explorer and Chrome. Nothing worked on that site, browsers just keep spinning. I even cleared the cookies and cache. I next attempted calling their phone number listed on the back of the cards, just rings a couple times and goes busy. I also tried calling their technical support number and it just keeps ringing, no answer. What the heck is going on?

I have tried to make a payment to this bank for a credit card I have with this junk bank and I can not get on website or get through on the phone but did receive a text from the bank saying my account is past due and have been charged a late fee even though I have been trying to log onto their website and called their number 877-825-3542 and had no luck contacting a human or computer. Why is this legal? Why can this bank get away with doing this to people who have never missed a payment or have never been late? They must really be needing money...it should not be legal!! They do not deserve the star that I was forced to rate them with.

I am trying to cancel my card, or even get into touch with this business at all. I've called their customer service line (the only phone number available connected to this company at all) and tried to visit their email (which hangs, and somehow even managed to crash my browser). This is absurd. This is clearly a fraudulent company and should be shut down by the government. In the meantime I'm reaching out to everyone who says they work here on LinkedIn to find out if they are real or not, and to urge them to make better life decisions.

I just paid off the card. Today I received a notification that I was past due. My due date was the 28th. I made a payment on the 26th and the 30th. They increased my limit and stated I have amount of $75.00 due?! I cant even access my account online, my phone is blocked when I call customer care. I finally call through my daughter's phone and hear my balance. I am done with this card. It has only been a month!... DON'T DO IT.

Latest episode - I just received a text message saying the account I closed nearly A YEAR AGO, is past due! I called for the 5th time (yes, I'm keeping track) to find out why I received this annoying text. After twenty minutes on hold, a rep comes on the line and says they are having "systems issues" and asked me to call back in one or two hours and said, "Thank you for calling" and hung up on me without my being able to utter a single word. I called back again and after waiting 30 minutes this time, I interrupted the rep trying to say the same thing again and asked why I received a text saying my year-long closed account had an overdue balance and I was told that their "system error" was sending out text messages telling their customers they had overdue balances. The rep couldn't check to tell me anything about my supposedly closed account either.

Like so many other reviews before mine, I totally agree that this is a real bad credit card that you can get. I have been with them for 3 yrs and my account was in good standing, never late & using it often. But they closed my account just last week after my current card expired for no good reason!!! My credit score had gone up since I first opened the account. They can't give me any legit reasons for not renewing my card. Stay away from this card unless you want headaches & frustrations!!!

This company repeatedly shut off access to my account, blocked my account, suspended my account online, refused to take early payments for my balance, made it difficult to make payments. You cannot understand anyone who speaks to you on the phone. The department that I needed to speak to so I could pay off and CLOSE this account was conveniently closed every time I called there so I couldn't even close this account. I missed ONE payment by two days due to some issues with my computer dying and having to buy a new one. They suspended my account and it took me THREE WEEKS of calling there and getting the runaround to finally speak to someone.

I paid my balance off in full. Went to use it and it was blocked because I paid my balance off. Was told I needed to send a bank verification letter. So my bank send in a bank verification letter and spoke to rep to confirm I was the owner of the checking account the payment was coming from. Removed the block. Then I went to use two days later to purchase a Christmas gift and was blocked for suspicious activity. Called, confirmed activity via text and still blocked so I called in. Confirmed yet again via automated system and went to use and still blocked! So I called in to customer service and was told I needed to fax a valid ID and utility's bill before my card could get unblocked! Worst bank ever. I never had such hard time using a credit card. Don’t apply for this card. You will be sending your personal information each time.

I was notified of a possible fraud charge on my account and it was locked. I also use paperless statements and get them through e-mail. Called to resolve it and I need the monthly due date and the account number. I do not know the monthly due date because I pay everything on the first of every month regardless of when it's actually due. I have to log on to the site in order to get the information that they need and I cannot do that because they locked the account but the fees and interest charges are still adding daily.

Do not take one of these cards from this company...even if they send you a card in the mail without even applying which is how I think I got this card. Used this card while traveling on vacation for a few hotels. Not a large balance. Have always received my statements in my mailbox NOT my email. Your email is a bad place. Just one more room for error and forget to pay is what I say so I never do it.

My monthly payments are $35.00 a month, I pay $75.00 a month. I locked the card away over a year ago and haven't touched it yet. After a year of payments my available credit is $52.00 of a $700.00 limit. Last year before I locked up the card I paid $700.00 to pay off the card so I could use it in Vegas, by the time I got to LV my card was locked and I could not use it and my balance was $735.00. I called to see what was going on with my card this morning and was given the runaround and told there was an $8.00 a month annual fee and a $6.00 insurance fee. They said there were no other fees. I wanted to close the account but was told that I would continue to be charged these fee even though I no longer had an account with this bank. Plus they keep pushing a $150.oo credit increase for a $25.00 one time fee. Something is rotten at Credit One Bank.

My complaint is regarding deceptive behavior and financial fraud that is the standard of business at Credit One Bank. I opened a card with Credit One in September 2018 to help build and establish my credit. I had received a mailer from them saying I was pre-approved for an account. Nowhere in the paperwork does it tell you that they charge you a $50 fee every month to use the card. It is a hidden fee. And even when you call them and ask they dance around the topic.

They lock my card up after 6 months... I asked them for a reason. They gave me a few excuses. The first was because of the merchant...really Walmart. The second was suspicious activities. I used the card about twice that week. One was Wawa. The other was Walmart. Then they told me they cannot unlock my card until I provide a copy of my license and residence by mail and when they receive, it would take 7 to 10 business days to unlock. If you feel like being embarrassed by a card this is a good choice.

Like everyone else I wanted a company to help me with my credit. I thought I was applying at Capital One. To my dismay it was Credit One. They have the same logo as Capital One. When I called him out on it they beg me to stay with them and they will waive a part of my annual fee. I did. I decided to give them a try. Was the worst thing I ever did. I'm surprised the Attorney General haven't investigated this company. They charge me a $25 late fee when they receive my payment. It takes them 5 days to get the payment from your bank or payment center. And I think they do that intentionally so they could charge you the $25 late fee. Which basically give you a low credit score so it defeats the purpose. They are based overseas. They need to be investigated by the banking industry. Stay away from them.

I was desperate a few years ago, that's my excuse. Be aware they charge interest daily... so even if you pay off the card every month, you still pay interest. Customer service is horrible. Fees Fees Fees. They put a $45 fee on my card year 2 with no notification. If you want your payment to post right away, that costs $9.95. Only reason I'm keeping the card is if I cancel, I'll take a hit on my credit score. I will never charge anything on this card again.

I just called customer service after discovering I got charged interest even though I paid the previous statement balance in full. She explained to me there is no way to avoid paying interest charges each month even if I pay my balance off in full each month. This is the first card I've ever had that rips you off like that. I told her I'm paying off the balance and closing the card. Ridiculous!!!

OMG... the worst customer service EVER!! I still cannot use my credit card because it's locked. Here's my story and how it all began - I have a large limit, and paid my balance just over 1/2 of what was owed. Payment cleared my bank, then an unexpected emergency came up with a family member and I needed to purchase them some personal items, well while at Walmart I decided to shop for Thanksgiving dinner. Went to check out and use my card for a $397 purchase and it was declined! I was embarrassed beyond embarrassed because I didn't have another form of payment with me as I use (Walmart Pay) and only had this credit card loaded.

Tried to log in the morning of 19 November 2018 and found that I was unable. Login attempts would just sit there with swirling arrows in the login button. Against my better judgment, I called in to speak with a rep. After pounding random keys for 5 minutes, I was finally able to reach an "Ivan" who I'm not sure is really named Ivan given the Indian like accent. Tried to explain that the logins weren't happening... no errors or anything. The guy was absolutely clueless, it was like talking to a robot. Kept saying he apologized for whatever inconvenience over a dozen times during the call to which I told him no more apologizing.

Today I checked the balances on all of my credit cards today and when I got to this one, the balance was twice as much as I remember using. So I go on my online account which was like pulling teeth to get into and I see late fee, late fee, late fee, annual fee. I got 3 late fees totaling $95.00. I THOUGHT I had auto-pay set up. Funny last year I did and when the balance was paid off, they were still taking out $50.00 a month. I made a $100.00 payment today and as soon as this gets paid off, I'm done!! Mind you I have many other cards and this is the ONLY one I've had late fees and a problem with. SCREW THIS COMPANY!!

I have 2 credit cards with this company which I am so done with them. I always get sent to another country and this evening I had to make 3 calls to them because I was left on hold for over 10 minutes each time. Finally the last call the gentleman would NOT answer my question and I said, "Well I will have to call corporate to find out what these charges are. Well (Stephen customer service rep) threatened me and said, "If you are going to call corporate we are going to have to end this call. I lost my ** and went off on him. I have never been treated so poorly by a credit card company in my life. A month ago I went through the same process on trying to change my name and India wanted me to send my SS, Driver's License and Marriage certificate to them.

I mailed in a check for payment to my credit card account. My statement was in the envelope and my account number was written on the check. I waited almost 2 weeks and my payment was still not posted. My husband also has a Visa with them so I checked his account. He already had a zero balance on his account but they posted my check with my account number to his account giving him a credit of $1500. While my account still had a $1500 balance.

I thought the credit card was good. My pre-approval letter said no interest for the first year no annual fee but once I checked my statements (15 months later) I see I have been charged an annual fee AND interest the entire time since the day I used the card. I'm not a happy camper and I will be cancelling my card as soon as it's paid off.

I thought my card payments were going through until my card was being declined. When I called to ask about it they said they needed an official letter from my bank, Wells Fargo, to let the payments go through... I've never had to do this anywhere before, I don't have time for this so I closed the account but I was able to make a final payment through my WF card so it doesn't make sense. Anyway, too much trouble and not getting informed about returned payments for over a month was probably bad for my credit. Stay away.

Twice someone has called Credit One Bank and pretended to be me. They say I have moved and have a new credit card, new number too, sent to that address with my name. This happened at the end of July 2018 and the beginning of November 2018. Each time a different address and number. The first thing they did was pay off the account. In July I caught it before they made any charges. in November they paid off my card then made charges. I think these were valid payments and I wonder who the payment amount was sent back too. Credit One Bank, the fraudulent person?

Total scam!!! I scheduled a payment as I have before through their app - payment to be made early through my bank account. Day after it was due I get an email and notification in the app that my payment was OVERDUE! They tacked on a late fee of $35. I called customer service - they said "we were unable to locate your account" - WTH does that mean? We verified the routing and account numbers exactly as they had been before. The only explanation I could get was, "maybe something has changed with your bank or you had one number wrong" - We JUST VERIFIED THE NUMBERS!!! I wanted them to take the payment over the phone and got them to waive the late fee, but they would not take the payment from the account - they wanted a debit card.

Stay far far far away from this company. The customer service is awful. I don't mind speaking with reps from other countries but I generally can't understand their reps. If they are going to outsource, they should at least make an attempt to assure the people they are hiring are proficient in English and not beginners. Also, I forgot my password which made it so I could not login into their website and make payments. So I called customer service. I explained to them that I forgot my password and when I requested an email w/ temporary pw, it never came.

Be very aware that this company is full of scams. When trying to close my account. I was told my renewal date was months away and I should wait to cancel then and for staying until then, I would credited $39 in my account (which never happened). Now still 2 months before I was told renewal date was, I have already seen my annual fee being charged to my account. Of course now I have to pay it to keep account in good standing. They use pressure tactics to keep you from closing account. DO NOT FALL FOR THEM. I agree with others, stay as far away from this company as possible.

Credit One bank charges you for every breath you take. They charged me annual fee right away from my balance when I started, they refused to send me a replacement card for free and wants to charge me $25. They charge monthly so many fees including maintenance fee annual fee plus interest. Now I need to make payment but I couldn’t because in order to reset your password you have to type in your credit card number but I don’t have it. In addition, they wants to charge me $9.95 to take the payment by phone. I don’t recommend it. They are aggressive fee charger.

My checking account was debited twice for a single payment I made, well ahead of the due date. When my Credit Union charged back the nonauthorized payment, Credit One suspended my account. Credit One wanted a validation letter from my bank, which was sent to them. The issue has not been resolved. I will probably close the account.

This company is a scam, calling me asking me for my bank account information to deduct money from my account - they offer programs BUT never are allowed to send anything in writing to confirm. They do nothing to help the consumer. My experience was horrible. They are a low life company, stay away at all costs.

I wish I could give this company zero stars. Their system deducted two payments from my checking account, at the same time, and they refuse to reverse one of the payments. The customer service supervisor told me that they can't do anything and sometimes their computer system incorrectly reads payments. The company is a total scam.

Rip off, never getting this card again, company doesn’t follow through on their offers to customers and only allows you to make 3 payments in a month to your card and that's **. Horrible experiences all the way around and c/s and management! They overcharge and are considered a bully in the credit industry especially for those of you trying to repair or rebuild your credit. They don't care about their users.

Credit One charges $8.25 every month EVEN IF you cancel your credit card BEFORE your one-year anniversary. As long as you have a balance on your account, they charge their customers a monthly fee. This fee applies EVEN IF you DO NOT receive paper billing statements and EVEN IF all your payments are electronic. The $8.25 monthly fee in ADDITION to monthly APR charges. This company should be avoided by ALL potential customers. They are very dishonest.

The absolute worst credit card company I've ever dealt with. They will set you up so you can't pay them before you get paid. They won't change the payment date. They charge you 9 dollars to make a payment. You can't get out from under it because after they close the card you get a charge for 9 dollars... Reopens the card, then they charge one hundred fifty a year so you are just handing over your money and not really getting any credit. They are horrible and predatory...good luck. I'm not paying mine off ever because I already did. This company needs to be banned from doing business in the U.S.

I haven’t had the card for twenty four hours yet. They somehow blocked my card from transactions. Each time I went to use card it was declined. Never been so embarrassed in my life. I called and the customer service person told me to wait twenty minutes and it would be fixed. I tried in thirty minutes - it wasn’t fixed. Called back and kept getting a recording they were closed. Yet, they're supposed to be open twenty four hours. Praying I can cancel this card and it doesn’t mess up my credit.

Everyone has pretty much covered my list of complaints! Just a horrible credit card company all the way around, period! They are the ones who messed up my auto pay. They are the ones who tacked on fees for their screw up. They won't even acknowledge my email sent to them trying to fix their mess. They are not responsive.

I've paid my bill twice with my bank card, now they're saying I have to use another account. This has been nothing but a headache. Trying to get a hold of the Better Business Bureau ASAP. They want you to have bad credit it seems.

While traveling we had to keep calling the Credit One customer service, they would lock our card after each transaction. We told them we were traveling and they said they put it in the system yet after each use we had to call to unlock the card! When we get back home we are canceling all our cards with them. Not cool when you need to check into your hotel at midnight and can’t because your card is locked.

Predatory and unscrupulous lending institution tries to charge $104 in fees and interest on a $300 credit card limit in 30 days. I immediately cut the card and returned it, and when I called them, a woman said if I didn't pay it, they would report me to the three major credit reporting bureaus. I reported them to the three major credit reporting bureaus. They sent me a notice that "It is not too late to protect your credit rating!" This bank preys on customers who can be bullied and threatened into paying exorbitant and excessive fees. Credit One needs to be exposed.

If you want to feel for paying 39 dollar membership fee don't get this creditor. If you want to be embarrassed spend hours on the phone speaking with customer service for every single transaction then do PLEASE APPLY FOR CREDIT ONE. EVERY TIME I MAKE A TRANSACTION I CAN'T BUY WHAT I NEED. Credit One states that the store in which I'm using my card is high-risk retailer at stores and restaurants like Taco Bell Walmart adds discount after spending an hour taking my time to find bargains and more discount to me meet my budget. Card declined sweating chest racing embarrassed about it. ** Josh account supervisor still can't help me. I requested new card perhaps and I have to pay 25 dollar fee. Crazy. Never will I.

This credit card company has been the absolute worst experience for online payment processes. They continually request that I verify small deposits/withdrawals to & from my connected bank account. These can take weeks to happen and online payment access is not allowed until this is done. So, deadlines can come and go unless you make mail payments instead (very inconvenient)!

On 10-12- on hold for almost half an hour waiting to speak to someone about interest calculations. The first customer service person had no idea about how to calculate interest or able to answer any intelligent questions. I don't see any need to elaborate any further- they have the worst customer service of any credit card company I have dealt with before regarding long holds.

Genuinely disgusted with this company. I was mailed a new card back in July... Never received it. I noticed purchases had been made to the card via the app. Immediately called and reported the card lost/stolen. I was told all would be handled. NOT ONLY did they report the account with fraudulent activity to the credit bureaus which caused my credit score that I have worked my butt off for to go down 112 points overnight, but they then send me a letter informing me that I was responsible for the charges based on the card supposedly being sent to my address and activated from my phone number. I immediately pulled my phone records and have proof which has been faxed to them TWICE now proving that I did not call and activate the card.

I sent a check to them by mistake. My check was address to Salem Bible Church, not Credit One. No date on check, no signature also. The Bank submit the check and it clear my bank. I call Credit One and ask how did they do that. I also paid the monthly premium. I call my bank and ask how did this check #** clear and it was not address to Credit One Bank. Receive a letter a couple days later from Credit One Bank saying because of that check, my account was close and sold to someone else to collect the balance that was due AND would be sent to credit bureau as a charge off.

As like most people I got this card to better my credit. It has done the exact opposite. You start off already owing them $95 for an annual fee. That there should be a statement. I had a $300 credit line to start off with. I then lost my job and feel behind on a few payments. I now owe $916.05!!! I've called and tried to work something out so I can avoid these late fees but they want $300 every month and I can't afford that. You're better off getting a secured credit card and using that responsibly. This company needs legal action taken against them.

I paid my Credit One bill on time every month using their online payment system. One time, the payment was apparently rejected because the bank information was incorrect (it was the same banking info I had used for EVERY payment). They abruptly closed my account preventing any further online access. I had no knowledge of this until I got a letter in the regular mail. I called them and they told me that the banking info was incorrect. I gave them the banking information over the phone (the same info that should have been in their system) and paid my monthly payment. THEY NEVER REINSTATED THE ACCOUNT and on top of that DINGED MY CREDIT FOR A LATE PAYMENT! I am now trying to sort this out and have paid my account in full and closed the account. CREDIT ONE BANK are a terrible company. Do not do business with them.

My husband started out with Credit One to up his Credit Score. I (his wife) pay the bills. I have had nothing but problems with this company and all I do is pay the bill. For 5 years been with this stupid company. Finally thought it was straightened out for me to pay, my husband had them send me a card and I still can’t pay without being bumped out of website. I have no problems with our other credit card companies. This company is the worst credit card I have ever experienced! I cannot believe after reading all of these complaints that they are still in business! What a Scam!!!

This has been the absolute worst experience. Each month they strategically changes things/policies causing it increasingly difficult to make payments. They won't allow you to set up automatic payments, nor will they allow you to call to make a payment. They charge ridiculous fees, and try to make new obstacles for you to face when trying to pay your monthly bills (I'm assuming they do this in hopes you'll miss the payment, therefore having to pay them more money). I honestly can go on, but the whole point is just do not even consider. These people will hurt you more than help you. I never write a review or make a complaint, but I did this solely to help someone, or anyone else keep from making a regrettable mistake. Credit is very Important here in the U.S, these people will for sure find a way to mess it up for you, unless you just have endless funds to pay ridiculous amounts. Just be warned.

I have had my Credit One Bank Visa for just over a year. I also had a card with them back in 2010 to help establish credit. This card is targeted at those with poor/rebuilding credit, not at those who are totally new to credit. That being said, this card arrives to you already owing them $75 for the first annual fee. After one year, you are charged a hefty monthly fee of $8.25, labeled as the “annual fee.” The interest rate is high, but not as bad as First Premier Bank. Payments take 5 business days become available, and even paying the express payment fee of $9.95 will only allow $100 to be available the following day and the rest in 5 days.

I wanted to build up my credit so I got a Credit One card. The first couple of years were just fine. No problems paying online, didn't do express pay as I never needed to use the card asap with a low balance. Things were wonderful. I have trouble remembering what is due when so the email reminders were important to me. They were sent and received like clockwork. Then I got a call from them and was told I had missed a couple of payments. I was shocked as I had never missed a payment. I thought that maybe my Gmail started putting the messages into spam folder for some reason but when I did a search for the emails I found nothing. I found the last reminder I got but then nothing. Looked at the spam folder itself in case it was automatically deleted at some point, but there was still emails in there from before I got the last one from Credit One.

I had this card made payments at one time. I had just made a payment in the amount of 400. Then I notice I had a balance of 6.46 I set up a payment. I realized I didn't have money in my bank account to cover the charge so I went to cancel the payment. With this company you can't cancel payments. So I guess the payment got returned the company closed my account of 6.46 then said I had an outstanding balance. This is crazy. I called the company. They stated that the account was closed and could not be reopened. Over 6.46.

I am a victim of credit card fraud with Credit One. I will be closing this account with them as they do not take theft seriously. I think they give your personal information to people in the USA. They are sending me a new card for the third time in one month. It is disgusting how they get away with this fraud. STAY AWAY FROM CREDIT ONE CREDIT CARD. They have caused me nothing but trouble!! I will be reporting them to the FTC and the FBI.

I never get a credit card with an annual fee, but it wasn’t obvious. Blurred in the fine print; $95 Annual Fee <— Ripoff; Upon approval acceptance you're automatically in debt $95. Payments: delayed 4 to 5 days; you can expedite for $10 or $15 dollars. Another Scam: <— Ripoff. Here’s where they shine: Based in Las Vegas, NV but their customer service is based in the Philippines. You using voice over IP: Can a company be any more cheaper. Predatory institution. Poor business ethics by outsourcing to a 3rd world country, not keeping business values at home. US labor laws cannot be enforced. Slave labor, no oversight. Customer Service, is a joke, they read from scripts, repeat your questions to you, and provide a moronic answer. You get preapproved in a snap because you begin by owing them $95.

I have had two credit cards from Credit One Bank for 3 years now. Yes, I am using it to rebuild my credit, and it's working. I have never had a problem, to date, with any of my cards. I always use the website to make my payments, or I use the App on my phone. I am sorry so many people are having trouble with this company, but like I said before; I have never had an issue. I knew what I was getting into, and I don't like some of their features on the card, but knock on wood, it has been a good experience thus far.

I wanted to rebuild my credit so I applied for this card and got it. My limit was $400, which I felt was perfect to start out with. I ended up charging $150 and then get hit with a $75.00 fee. Ok, my balance is still under my limit so no problem. Then out of nowhere they hit me with finance charges which somehow pushes me over my credit limit. THEN they hit me with over the limit fees. To make a long story short, they put my account in collections AND took me to court over $750. AWFUL! STAY AWAY!!

This card is predatory! I realized what I was getting into but I did it anyway as a means of raising my credit score. It did do that. But, the fees, I'm not referring to late payment fees, but fees that come with the card like annual fee, monthly annual are then charged interest. Horrible customer service, they charge to for normal turn around payment processing times. I have a card with Capital One, I make a payment, it clears the next day. I make a payment with this card it takes about 5 days to clear. They don't report consistently to all of the bureaus. One of my reports has a balance that's over two months old. They are outdated and don't use technology to make them current. Truly unhappy customer - IF YOU’RE CONSIDERING THIS BANK/COMPANY RUNNNN! AS FAST AS YOU CAN!

I am honestly so regretful for having to use Credit One Bank. This is one of the most dishonest people on earth. They recently closed my friend's account just because 2 small payments didn't come through. After a year or more of owning the card, this has never happened before. The money in the card keeps disappearing. I am very upset and disappointed with the handling of this card on the issuer's side. God is looking!!!

My Credit One card has had fraud committed on it three times! Then they allowed someone to call in and they authorized them to make an express payment on the card with the debit card I have tied to the account so they could commit fraud on it again!! Then they transferred old balance to new card (for the 3rd time) and my card that has an 800 limit on it and a 201 balance when they made the transfer, now has a balance of almost 3,000!!! They have been making me pay huge payments on this card, which I can't miss due to I'm in the middle of getting a mortgage. Now I received a call from the mortgage company saying they can't do the mortgage because Credit One reported that I owe 3,000 on an 800 credit limit card which dropped my credit score 51 points!!!

We have had nothing but problems with the card, paying on the card, and them adding unauthorized charges. Calling in is a nightmare, expect to get hung up on numerous times. Authorized users are a joke because they will not even take payments from authorized users. This card has caused our credit to be worse than anything. DO NOT USE THIS COMPANY!!!

From the beginning they were nothing but a headache. They would constantly send me confirmations of my payment being received and then would not take the money out of my account for a week. Weekly payments were made to pay off my balance but they closed my account because two payments were unable to go through because by the time they took the money out of my account my other bills would hit my account. These were not my monthly payments as they were always taken care of and I had 100% payment history on my account. After being told my account would be fine after paying off the overages that happened because of my two missed payments I would have access to my account again and be in good standing. This apparently was a lie and my account had already been closed.

I received my card and a week later my bill with a $75 annual fee charged. I called same day to cancel but it was already too late they said. I have to pay to $0.00 in order to close. They sent me advertisements for at least one year and I never saw in any of the fine print and would be a card with an annual charge. They asked me if I still had the advertisement and of course I've said no cuz now it's three weeks later. I always do save my agreement that comes with the card and it did say there was an annual fee. I'm just angry and frustrated that I have to take a loss of $75 in order to close this account.

Absolutely stay away from Credit One Bank!!! I reported a fraud credit card opened with my information and even sent a theft report but this nasty company with their very rude and disrespectful employees keep going behind my back saying it is valid. No one in this company will do anything about this fraud account. Do not trust Credit One Bank.

I was sent credit card with line limit. Days later I was sent a letter which says there is 75 dollars yearly fee. I called customer service to cancel the card. I was assured card was cancelled, but later received a statement, and later a message that someone broke into my account. There should be a serious police work involved here.

We have a Visa and a Mastercard with them. In the time that we opened the accounts, our accounts have been hacked about 4 times in a year. They keep canceling the cards and sending us new ones. They tell us that they are transferring the balance from the cancelled card to the new one. I actually paid off the Mastercard in Feb 2018 and almost the paid off the Visa as well. I tried to use the Mastercard in March and it was declined. When you try and call them, you cannot speak to anyone that speaks ENGLISH. They constantly call my phone all day from 8am 'til 9pm at night and on weekends including Sundays. I have blocked all their and numbers and they always find another # to call from. THEY ARE A SCAM.

This company targets people who need to rebuild their credit. They place online blocks on the account so that you cannot make online payments or see statements. They do not clear the blocks even though they state it will be removed 24-48 hours after your call with them. Furthermore, they will move your payment due date up a day keeping in mind that you are unable to see this because the account is "temporarily blocked". They also do not allow automatic payments thereby collecting as many fees as possible from their customers.

We received a credit card with an activate today sticker then a few days later a statement with a 75.00 charge fee to have card, never applied for it and I called them to verify 877-825-3242. They said the credit card was active, told them it is not ours and to delete it. Will have to file a police report.

I was online checking to see if my payment had post to the account. I was prompted to a site that I asked if I needed a replacement card and there was only a submit button there. I tried to reverse it. Tried to go out of it. There was no way to exit out or anything. I accidentally hit the submit button and it will not reverse. It just kept going. I try to stop and delete it before continue. Next thing I know I have a $25 replacement card.

Fraud completed on my account in another state. I reported all transactions. They only submitted 2 of the 1500 balance. Canceled the card and they shipped another. Made me make payments the entire time until I got it resolved. In the meantime I put a password on my account and the next time I called they never asked for it, said that it was placed on the old account that I canceled... why would I call for fraud and put a password on the account I closed? Told me it was my fault I didn't put it on the new one... 4 managers later that was resolved. 4 months later 3 months later issues are still not resolved... I type this email as my account access has been shut down, they want me to fax my ID to regain access and want me to dispute the transactions with the companies they were purchased with. I cannot express the level of stress I am feeling right now.

Credit One Bank is a SCAM!!! Stay AWAY! Their website is "experiencing problems" constantly, not allowing you to log in, or reset your password. So you are forced to call, they refuse to waive the late fees that you get BECAUSE of the website being down, AND THEN they charge you $9.95 to take your payment over the phone. It's a clever little scam they've got going. Then, you can request to have the late fee and processing fee waived, but it gets better. The only way for that to happen, is to "have a supervisor call you back". That phone call never comes. I refused to hang up this morning, and asked to be connected to a supervisor. 49 minutes later they took me off hold and hung up the phone.

DO NOT GET THIS CARD! It will be the biggest mistake of your life. I cannot wait to finish paying this card off (less than $100) so I can cut it up and mail it to them with a big **. I got this card with another card (Discover) to start my credit. Credit One will call you about 20+ times a day, even when you have no payment due. This should be illegal. I seriously made a payment and they called me the next week, I said I didn't realize payments were due weekly now. They apologized and hung up. Even now they are calling me, It's 8/27/2018 and my minimum payment of $25 is due 09/11/2018. But yet they are calling me 20 + times a day.

I filled out the application for this card, was approved and then got charged for an annual fee, activation fee and processing fee. Cancelled card, 3 months later was called and told I owed annual fee and late charges.

I started to fill out an application and then set it aside. A couple of days later, I was told that I was approved and that the card would arrive soon. Today I got an email from them claiming someone had changed my contact information and to call a number they listed in the email. I called. It was a fax machine. I called another number through their website and was asked first for the last four digits of my Social Security number and then my mailing address. I declined. I will cancel the card and report any more creepy information.

This is a terrible card. They charge interest BEFORE your statement is even due. They have an option to check your credit score, but in August 2018, my last update was from March of 2018. The rep said that Experian has failed to give them my updated score and that I should contact them directly. I would close this card, but I don't want to ruin my credit history. I asked if the card was inactive for a long period of time, will they close my account, they said no, as long as there is no outstanding balance for over 90 days, the account will remain open. I WILL NEVER USE THIS CARD AGAIN.

I keep my balance low with Credit One because of this issue. I pay on a weekly basis to keep my balance 0 and not pay interest. Their automated payment system says I have made too many payments in the last 30 days and won't accept a standard payment. However if I want to spend $9.95 they will accept an Express payment. I tried to contact them and was unable to understand them nor were they any assistance with the problem. This company is nothing more than a legalized scam artist. Stay away from this place.

I've had this credit card for a few years and all of a sudden they started taking large payments out of my account right after I would make my payment. 1st payment made was $100, next day they took out $500 and now they are trying to get two more payments out of my account.

If you don't get it in writing when you close your account they will scam you out of late fees/annual fees and your credit score will be impacted in the negative. Get everything in writing if you want to close your account. Get the name of the CS person too. Get a paper statement with proof of closure. Check your credit score. Check your credit reports. They will not do as they say.

For one Credit One Bank has no one that speaks clear English. It's like they are programmed what to say, well my payment was 40.00. They took 140.00 out of my bank account then turned around and closed my account. I was never late on payments but everything was clearly their fault. Somebody legally need to something about this company! I could go on further but never again.

I had a account with this Companies for several yrs and I paid my bill on time, and they will try to entice you with higher credit limits when your account is almost paid off... Don't take their offers. If you are late on any payment, or get way behind on your bill, they WILL NOT work with you or set up a payment arrangement because they make the most money off of Late Fees and Finance charges. My Consolidation Company tried to set a payment arrangement with them, so my finance charges could be lower but they refuse to accept that.

I got behind on my Credit One account by mistake, now they refuse to take any payment less than what they piled up. I called and tried to make partial payments and they refuse to take a partial payment of any kind. I can't change my due date to reflect my social security payment, so they are able to charge me a late fee of $35 each month! Add that to my rapidly increasing 'past dues' and I now owe over $740+ on what was just a 480 account several months ago. I asked them to (1) close the account, (2) stop adding on late fees and let me pay partial payments in order to get caught up, but I got a solid NO to any help. They emailed me saying they had the perfect solution for me to get caught up.

I am on a fixed, one time a month budget, payment due on the 9th my check comes in on the 13. I am charged a late fee every month for $37.00. I also PAY a fee for the card $75.00 per year. When I call to close the account after 3 months the representative speaks broken English, I ask for a rep in the USA and I get transferred 5 more times, the lady that answers the call says there is no grace period. This card is a scam.

I was notified via email by Credit One that they believe charges to my account were fraudulent. Only after allowing 4 out of 5 charges at the same store within minutes go through did it click that something was wrong to them. I immediately called when I received the notification from my office desk (which means I am not at the store). I have been told that it will take up to three months to investigate and in the meantime I must pay for the charges until the investigation is complete. This is BS to make a customer be responsible for charges that they didn't charge. I have NEVER had this happen with any other company before, I will be closing this account ASAP.