Credit One Bank Reviews

I was unable to get them to understand a payment was missing. Kept telling me about all the charges on account but not the payment. Tried to cancel card, kept transferring me to different people who kept offering me other options. Very frustrating. I also had a very hard time understanding them. Support done out of the country.

So this company is absolutely the worst company I have ever dealt with. So in June I was going to make my payment but I had noticed that there was some charges that I had not done. So I called them right away and told them that I did not do these charges. They told me that they would deactivate the card and they would issue me a new one as well as the investigation team would work on it to find out what happened.

First, I've had issue with Credit One Bank regarding fraudulent charges on the account and their resolution was to reissue the card. They did not check if there were unauthorized charges with me. They credited items they assumed were fraudulent. Their customer service representatives are very inexperienced with answer the customer did not ask questions for. In May 2018, I notified Credit One Bank that I would be out of the country until July 2018 but my payments were scheduled. I am a Fraud Victim so carefully reviewed all my account for irregularities and unauthorized charges. I found my credit cards were replaced and other charges were added to the account. I was told I called June 19, 2018 to report my card had been stolen but I had my card in my possession.

a live person, she could not tell me what transaction accounted for the $78 balance, other than that it was a "bank charge," I assume it is the annual service charge, plus daily interest. If I can see the charge online in my balance, I ought to be able to see what it is for in transactions. This outfit is set up to ** the consumer. I will be canceling the account ASAP.

I called Credit One Bank to make a payment today and they asked me for my credit card number. I told them I do not have the card in front of me. I asked them if there was another option that they can check my file. So, they said if I don't have my card info they needed my full social security number to look up my file. I refused to give my social over the phone. So they transferred me to some service line and the line was a disconnected number. I ended up ** at the lady on the other of the phone and she went silent... Did anyone have this problem? SMH.

I sent a complaint online to the Office of the Comptroller of the Currency. The website is www.helpwithmybank.gov. I tried almost 20 times to pay my bill online but I could not, because I could never set up the account. Try to pay by phone and there is a charge of more than 9.00 dollars. This is a fraud, they also charge for late fee that has happened to me because I could not make the payment in term of this way every month. You have to pay an amount to pay by phone. And sending the payment by mail does not guarantee that they say they received it in time.

I've had this card several years, now starting in May I believe, I receive letter confirming an address change? Well, how could I get this at my "old" correct address if I changed it? Meantime, ooh yes there were charges being made on my account. Took 2 months to straighten this out and prove I am me, finally got access back, log on and make a payment (by the way they charged late fee even though they had me locked out) and the very same week I am again locked out! Called and told them to shut this account down, must mail me statement as I cannot log on online again. Nightmare and these guys are little to no help. Hard to understand, I don't think they see the gravity here either.

Every time I submit a pre-qualifying application, I receive an error that the connection to the secured server has been lost and we are unable to continue processing your request. You will need to start over. This cycle continues over and over. Then I got letter in the mail stating possible fraud. WTF!!!! I don't know if I am at risk of someone possibly trying to commit fraud while submitting the application or it's this piss poor of a company website!!!! When I contacted customer service no one could tell me what was the issue even after submitting a ticket and waiting 7 business days to call back. The last rep told me I will only be able to get a credit card if I received a letter with a reference number. I'm upset because I know my credit is well over the min. acceptable credit score and a few colleagues recommended I apply with the company. My experience hasn't been pleasant or successful.

Why don't I like Credit One? Let me count the ways: 1. As soon as you're a second late for a payment, they start spamming you. I've gotten calls upwards of 10 times a day from different numbers that are all associated with these guys. That's incredibly predatory. They even call on weekends. 2. The APRs and rates are pretty terrible, but I expect that's something you know going into one of these cards.

Credit One has been a pain in my **. Since day one they shut my account 3 times. All because I didn't have the right bank info. I am unable to talk, so they wanted me to get a POA from bank. And I said my wife can do the talking for me. They said ok and charge me a $19.00 fee. Well they shut me down again saying my bank info incorrect and I've made payments all month. Called them up and said the info was incorrect. I paid them some money and they charge me a fee again. Well they wouldn't let me in my account. They said I needed a bank statement from the bank showing I had a account there. There is really something fishy here. I need help with these crooks.

So having horrible credit I wanted to try and rebuild my credit so I got this card. You can check your credit in their app but don’t believe them because my real credit score was way lower than what they said it was. Also all the customer service reps are in India or some other country. High interest and fees and I’ve notice balance discrepancies of the tune of about 30$. When my card had charges that were fraudulent they not only cancelled my card but my whole account is suspended. I have not had this card long so we will see what’s next.

Received my card early 2017, made one transaction without issue then everything else after was declined - could not get a answer from the rude customer service reps who rush you off the phone so I gave up and cut up the card. Decided to try again and early July 2018 I requested a new card ($25 fee for that). Once I got my card I used it at a Shell gas station with a successful transaction but now everything is declined. Over the last 4 days I’ve spoken with 16 reps and 5 supervisors who all say they refreshed my card and in 15 min the card will be OK and that the decline was due too “unusual merchants” (Shell gas, Amazon, Target, ShopRite, McDonald’s). To me those are normal.

I've had this credit card since 2013 (trying to rebuild my credit after the 2007-2010 recession, I'm in the construction industry... nuf said :)) Sooooo, my lesser gripe is the high interest rate (but, pretty understandable if your credit rating is not so great). Here's the kicker though: that brutal "yearly" charge to have this card. You might be wondering why I put "yearly" in quotations. That's because it's a yearly charge... billed monthly. I've wanted to cancel this card for quite some time, now that my credit score is back to a somewhat normal range. But every time I pay off the balance, they charge $8.25 as soon as my payment posts... soooo, now you've got an open balance again and can't cancel.

Horrible! I have been trying to rebuild my credit to purchase a home. Credit One Bank was a suggestion from one of the credit sites I frequent. I was approved for a $300 limit back in February and it’s been a nightmare ever since. The problem began in April. My Credit One account was hacked. Someone in Nevada changed the address on my account and then added themselves as an authorized user. Once they received a card, they paid it off using my debit card that was on file and then went to an ATM and stole all the money. I did not catch on to the fraud until I received a letter from Credit One wanting me to confirm an address change.

I find it strange that when I attempt to make a payment online on my due date the site doesn’t work! There was a time I experienced this, so I called and explained the issue. Well the representative basically repaired my account and I was able to pay online after telling him NO I was not making it through him nor will I be paying a fee to make it through him.

I now wish I saw this first. I got a credit report with a delinquent on my account. I pulled up the web account and it did not show any activity. So I called, the woman that I was talking to. I could barely understand her, asked where she is from, and said the Philippines. Now I started to wondering and coming to find out that it is a scam. I have not use the card since October 2017 and paid off the amount I used. The to see a delinquent on my credit report.

Opened my account and after several attempts to set up online which none were even close to getting online finally after 4 browsers setup was completed on Internet Explorer. Made 3 payments with them on the phone because I couldnt set up online and the last time they told me they were not going to waive the fee cause their website was working and it was me. Well okay but I shouldnt have to download 4 browsers to make a payment.

I am so pissed and this is a long story! Going back to October 2017 is when I first became their customer. I was making my payments on time and I only had a limit of $400. In May this year with no prior notice I get a notice from Credit One that my payment was declined due to stop payment. I NEVER STOPPED A PAYMENT AND MY BALANCE WAS ALMOST PAID OFF. When I called their customer service I could hardly understand the person with a really strong Indian accent and after the fifth time I repeated what went on and why I was calling the person unfortunately got cussed out until they put me through to a supervisor! Funny how they understood all the four letter words I was using!

There is a yearly fee of $75.00, which they don't show on your electronic statement which is shady. Also, if you have an authorize user to the account, you pay an additional fee of $19.95 every year as well (which is ridiculous). The interest is also very high. If you need to build your credit. I would suggest keep the card for 1 year, charge on it and make EVERY payment on time. Hopefully that will be enough to get you better credit offers and then close the Credit One acct, that's what I did.

I had no idea that credit card companies only allow someone to make a maximum of four payments in a 30 day period. Well Credit One Bank only allows you to make 4 payments in 30 days and they will not allow you to pay off the balance if you reached this limit. I'm so confused. Why? I don't get it.

Credit One resolved my problem quickly out of all the credit cards I have Credit One was the only one that did not allow anyone to steal my money I see now why their fees are high because the security is good they didn't like what they saw so closed my card and sending me a replacement with new number so for that I changed to a 5 star they acted very quickly and kept my funds safe

They Charge about $79.00 a yearly fee to begin and then the yearly fee is divided into month amount. THEN THEY JUST CHARGED ME A ONE TIME FEE OF $14.95 for a $250.00 credit line increase... As soon as I build my credit I am dropping them. My Discover credit card charges no yearly fees.

If I had known this company would be so rude to their customer I would have never applied for a credit card with them. They cancel your password without your permission. Their fees are out of control. I am done with this credit card. This is the worst company to ever get a credit card from. Don't make the mistake and get one whatever you do. They won't let you pay your bill over the phone without a charge. It hard to set up your account online from their website. Just the worst experience I have ever had with a credit card company.

Started in April 2018. Payment in full occurred on account which hit checking. Called and reported transaction as unauthorised. Verified info. Credit One said they needed to reissue my card. Never received it, but thought it was because of the fraud. Someone changed my address to a Florida address and allowed them to charge card to max. Feel like inside job. Closed accounts, but have to wait for fraud investigation to be done.

I had a card from Credit One and ran into a ** load of problems. First off, someone made fraud payment and a couple of fraud charges. And this was after I had already closed this account a month prior. Then I was alerted by my credit monitoring company and then they charged my account off even after I paid it off. I filed a small claims lawsuit this afternoon for 5000 dollars, I'll keep you informed on its progress.

I’ve had this card for 6 months and I’ve always having an issue with making my payments online. I called today because of an email they sent about my account. I was not able to log in the account. I called customer service and was told that my account was suspended because of a returned payment. I asked for the account information they had and it does not match what I know I put it and what has been saved. I was told my account was closed and that it will be reported to the credit agency on the 7th. The only way to possibly get my account reinstated would be to send a letter from the bank of my account information? Like why? They are a scam and full of bull. No one could tell me how long the process would take. I’m contacting a lawyer.

They offered me a credit card to help improve my credit. I accepted it. I used it for a few charges, paid the whole thing off the end of each month, then closed. Stopped using it months ago. Assuming I didn't have a monthly payment to pay, I logged into my account today to see that I owe them over $100 and even worse my credit score dropping because of nonpayment. It turns out that they charged me some hidden fee I wasn't aware of, then each month the fee accumulated with late penalty charges and interest. So these days, if you don't owe money, you still owe money and get your credit all screwed up??? What a scam! Companies like this are the reason 2008 financial crisis happened, if not regulated better, it will happen again and even much worse!

I got this card just as an easy way to finance a payment. Everything was fine for the first couple months, until my payment was due last night and I was unable to even access the "make a payment" screen. This morning, I was charged a late fee, which I expected. I was irritated, but figured it wasn't a big deal since I DID wait until the last day to pay the bill. My fault. This morning I went to make another payment, the payment did not process, and would not allow me to try to make that same payment again, so I called the customer service number that they advised me to contact. I wound up speaking with the most rude individual. She yelled at me, demanded I calm down, and spoke to me like a toddler. It was like she was reading off a script and wasn't even listening to the problem I was describing to her. She would not give me her name, but her attitude is the exact reason that I'm cancelling this card the minute I pay it off completely. Not worth it.

My credit was badly damaged in 2010. I got a credit card from Credit One to slowly rebuild my credit. I finally got my credit up to a decent score and I held on to this card because it hurts your credit score to close an account but Credit One has to go. I am charged $8.25 a month for an annual fee, I pay the card in full each month but they charge interest on the balance daily, I found a charge for $19.00 so I called Credit One to find out what it was they told me it was a membership fee.

They'll be happy to give you a card and if you want to survive unscathed do what I did. These guys are experts in the shifty'Mc shafts so do not imagine it or use it as a credit card. Create a new email address specifically for this card. Don't use the card if you don't have the cash on hand, you'll need it to pay it off after a few days, after it registers on the website or the app. Only use it once a month. Only keep the card for 9 months. Read your termination instructions carefully and mail the letter certified. Make sure you indicate that you are terminating "our contract at your request". Do not let them talk you into keeping the card. Lie and tell them your bank gave you a $2000 credit card limit and you don't need two credit cards. Always enter your login and password fresh, no saved data fields. Don't bother calling for anything but a credit increase after 4 months.

I do find it interesting that the company does not have a technical support team for when issues arise with websites. I would think that if a company has a website, they would have the technical support to work with it. I called, talked with the representative on what was going on, asked to speak with the technical support department as my website had been working 7 days prior. "We do not have a technical support department, we troubleshoot the problem here." Very interesting when a problem arises and they only have 1 department. Don't get as the support is not worth the runaround...

I have been a Credit One Bank cardholder for 2 years and I have to say that they are the worst. They charge for credit line increases, provide TERRIBLE customer service and offer absolutely NO HELP if you are going to be late on a payment. The customer service reps are rude, difficult to understand and aren't always able to answer your questions. When I asked for the hardship department, they gave me the number for credit counseling services "in my area" because they don't offer hardship help. This is a credit card company that prides itself on helping people rebuild their credit but don't offer help if you hit a bump in the road along the way!!! What a scam!!! Can't wait to pay this card off and be done with them!!!

I have had this credit card for about 10 years. I pod the card off about 2 years ago and just use it for small things which I can pay off monthly or within 2 months. I attempted to pay my bill online for over two weeks. Their new authentication does not work. It will not allow you to go past the security questions page. I also never received a statement from them, but knew I had used the card and wanted to pay in full. They have been calling my home all weekend from different numbers. I was not home and a friend finally answered the phone.

I am trying to report this to Equifax and Transunion. Every month I go online to pay my CC bill and the password says, "problem logging on. Try later." Three months later and the site STILL will not work to renew your password even though it does not tell you it is specifically your pass is the problem. They are deliberately not specific. I know my password. They simply make their website unavailable and then you are forced to pay an additional 9.98 for an express payment when in reality you should be able to just log in and pay. It is simply a money making scam and it is FRAUD. This is why they are not accredited. I will cancel my card ASAP.

I am a cardholder with Credit One Bank, and will be brief. I have been with Credit One Bank for a couple of years at least. From the very beginning, paying my bill using the automated number was unsuccessful. The line would never pick up, just disconnect. If it actually did answer, disconnected at some point through the prompts. At this point, I installed the app in order to make online payments. This experience was not terrible, however a large amount of the time I was unable to view my statements. If I was able to actually retrieve an agent via telephone after LITERALLY WAITING FOR UP TO TWO HOURS, unfortunately I was unable to understand the agent/dialect issues. Resulting in yet again the inability to make payments. Currently, well LITERALLY for the past two months I have been unable to reach Credit One through all avenues resulting in now "late payments" confirmed with credit checks.

I have had this card for 6 months and always pay my balance in full. This month was no different and even expressed paid it so I would have funds available the next day. 3 days last and nothing... So I called and the customer service agent said I closed the account! I did no such thing. After almost an hour on the phone it was remediate and a new card was being sent to me. He concluded my card had been compromised and even my address and phone number had been changed in the account but I would receive a new card in a week. It still hasn’t arrived 2 weeks later and my credit report just alerted me I have a new closed account. I went online to check the account and see what’s going on and no information has been changed and it doesn’t say my account is closed either but it has been transferred and I notice the last 4 digits of the account is different. I have to wait until Monday to speak with someone now. I just want to know what is going on.

I've made several call over the past month for assistance with making an online payment. They've added a new feature where you can process a payment for $9.95 or use their current method (online or mail). The online access has NOT worked since, it seems, the $9.95 fee became effective. Was told today that Credit One is updating their security and that is why their site was inaccessible. Was then offered to help reset my password. When I asked why, since the site was down, was told that it would be ANOTHER 48 hours before I could use the online option. Never got a response as to how that would work if the site was being upgraded.

I will make this as short and sweet as possible as it has been a 2 month nightmare! I've been with Credit One since 2015 and have great standing and zero issues until late March early April. It started with me getting a letter at home from Credit One dated 3/28/18 thanking me for changing my address to something in Florida. I live in SC and haven't moved. This was suspicious so I called them right away on 4/3/18. During that call (I won't even go into how awful the customer service has been and how many hours I've wasted with them since) they eventually updated my address back to my correct address.

I've read many of the other reviews of Credit One Bank CC and I'm shocked that there are so many problems! I haven't had any issues with customer services, I've had to call a few times and they handle my questions with courtesy. I do agree that the fees are high! I've gone over my limit a couple of times due to my special needs child needing things insurance doesn't cover, being a single mother you do what you have to do. I've been caught off guard when my available credit says $150, so I get my son his meds, then the fee is deducted and I go over my limit. That happens with all bank cards that are made to help build your credit, they have outrageous fees (I've learned that). I'm sorry so many people have had such awful experiences. My experience with Credit One isn't as bad.

Worst service I ever got for credit card. I wasted too many time to make payment through internet but could not make it so used phone call but no personnel answer responded. I began to feel so weird so I used the express payment by paying 9.95 dollar charge which I never experienced for any other credit card services but again it did not go through. I tried to pay off but not get successful. I strongly hope this credit company should get someone's control or resist by public record of service.

I was alerted my credit report was ran through this company which I have no knowledge of who this company is. When you call you're calling India at a call center. You ask for the fraud Dept. And telephone number. They say they can’t give it to me. So I look online and find out that there is indeed a fraud Dept. However, nobody answers. It’s a machine telling you to leave your name and phone number and someone will call you in 2 days. So someone from the fraud Dept calls me from a Las Vegas number. They tell me not to worry about it. After 90 days I receive a letter that I am indeed liable for the charges in the amount of $925. Now I have no idea what to do. This company is absurd. Now I have to Dispute it off my credit. This company is the worse. First of all I would never get this card with an annual fee. Seems like they give anyone a credit card.

I open this account back on July 30, 2015. I opened this account with a unsecured $300 Limit. I have called the bank several different times. I used this card often and have never been late on my Payments. I have 100% making Payments on time. They have raised my Credit limit several times and charge a $25.00 fee. My credit limit on 5-15-2018 is $800. You cannot make a Purchase with a $300 limit. This is nothing but a medical Card for a person that has Life Term illness. What can you really buy with a $300 limit? Maybe go to Mcdonald's and buy a Big Mac meal and buy coffee and smokes at 7-11. I have tested this card many times. They do Post the Payments Quickly if you use the express Payment service by pay the $9.95 Fee.

I've had this card for over a year and have not received my statement on numerous occasions causing my payment to be late. I'm NEVER late on anything... Ever! Fees are absurd and not told about either.

On hold for the longest time. Got some guy who I could barely understand (heavy Indian accent). He then switched me to someone else also with a strong accent. I'm being charged $35 despite the request to cancel the account. I did not feel that I should be charged the annual fee if I'm cancelling. He stated that the account will be cancelled but I still owe the $35 user fee. Could not make him understand that this is totally unfair. Would not recommend dealing with these idiots.

Horrible customer service by people you can barely understand. They try and fabricate things so keep good records. I ordered a credit card with Credit One. Without making a purchase using their card I paid them 100.00 dollars. They placed it on my statement as a credit line increase. When I reported the card stolen they told me not to worry they would issue a new card. I received a statement with new card number and balance of 600.00 being owed. This is before I received the new card for activation. The old card only had a charge for the unidentified purchased amount of 132.16.

I have been with Credit One for over 6 months now and have made every payment on time and managed to pay a zero balance every month. On the 5th payment I was told by the rep that I would automatically receive a Credit Line Increase (CLI) once the balance was paid to 0. I made the payment and a few days later nothing had happened. I called customer service and was advised that a CLI was on its way and to check my account within the next 72 hours.

This company makes it nearly impossible to close an account, and I'm guessing it's intentional. I realized that I was only paying a monthly annual fee (weird, right?) and associated fees and interest, as I almost never used the card, so I called to cancel the account. It took me two phone calls, five or six transfers, at least 45 minutes, and a great deal of frustration to get that done today. The representatives were difficult to understand, and tried to toss in sneaky little fees while rushing through reading their scripted dialogue. Prior to one transfer, I asked if they were trying to discourage me from closing my account. The agent assured me that, no, they were not, but then she transferred me to another rude, dismissive, and barely helpful representative who claimed his name was Jordan. I will never do any sort of business with Credit One Bank again.

I had had this credit card for only several months and at first was surprised because my initial line of credit was only after one on time payment. I was notified of the $19.00 charge but my credit limit was raised by $200.00. I have always paid my balance in full and never had a issue until recently I called customer service because I had not noticed my monthly payment being recognized and my balance as of being paid. I contacted customer service and asked if they would verify if their records showed that I indeed had made a payment. The customer service agent said that they saw no record of a recent payment being made. I proceeded to make a payment by phone as I always have and as soon as the payment had been made, the customer service agent had then informed me that there was a payment that had been made two days earlier!!!

For an American based company you would hope that they would hire people who speak the language fairly well, not here, and not the first time I have had to deal with them. The worst thing is being told that there is a $25 fee to replace my card. Then they lock me out online. Then you try to make a payment on the phone and there is a fee of 9.75 which she 'waveld', had to ask what 'waveld' meant, figured out she meant waived. Also as a means to verify myself she wanted me to verify a charge from 6 years ago, who remembers a charge form SIX years ago? Asked my SSN and the last 4 digits of my SSN 3 different times. I almost asked for a supervisor. A simple 2 minute call turned into 18 minutes.

I was notified by Credit One that my card was being used in Florida for a several purchases. I advised Credit One that this was impossible since I was in PA. Everything seemed to be resolved until I received a letter from Credit One stating the check I used to make a payment to my account was returned from my bank. The only problem was I did not have a balance on my card. Someone made several large payments to my account and then took an advance for this amount plus my available credit limit. This card was never activated. I am still waiting for resolution from Credit One. It has been 2 weeks. The best part of the story is I was billed for a new card and as other people have stated I was required to make a minimum payment.

This is by far the worst credit card I have ever had. I fully paid off my account with this company. The next day I see a charge for 218$ from a jewelry store in France. I live in California. I have never been to France and never purchase anything from anyone there online. I immediately call Credit One and am told they have to investigate this issue and they will refund me back in 30 to 90 days. They then tell me that I have to "just pay the min. 25$ every month" so my card does not receive a late fee. Keep in mind this is the 218$ STOLEN from my credit card that I must pay off!!! I am then really pissed off and asked the Indian lady to repeat what she just said.

Don’t get a credit card from this company. They screw you with fees' interest rate. Poor customer service call you if you're one day late. Charge you 9.95 to make a payment. It's the worst company I have seen for a credit card. Do yourself a favor if your rebuilding or starting your credit don’t use Credit One.

Good to know that I'm not the only one having problems with this company. I am experiencing the same things as others. I have had a Credit One card for a number of years and never had any problems until the last 6 mo. It started when every time I went online to pay my bill, my password wouldn't work so I would have to reset it all the time. I had a hard time getting access to my acct. all the time. It happened again last night. I finally got a hold of someone, that I couldn't understand, and he couldn't explain why this was happening but was probably "for security reasons" which was pretty funny since one of my cards had just been fraudulently charged $800.

Just recently received this card. After going through the 2 step process then having to go through yet another verification process the following month (which I understand they have had several cardholders being hacked so the added security is ok) I tried to schedule a payment. My due date is later than the date I wanted to make my payment, yet the website doesn't allow you to schedule an earlier date. Trying to get through to a customer service person was a landmine but I finally got through only to be told the date couldn't be changed. I had to mail the payment. Never experienced this with a card company. They want you to pay late... Will be closing this account asap.

I tried to log onto my accountant just to find they would not send a code to my email address. I called and the customer service was no help. I am so glad I made my payment early. I was told I was sent an email that stated that I needed to update my account a couple of weeks ago. I looked all through my email but it never was sent or it did not come to me. Are they trying to charge people extra for a payment over the phone, or tell you your payment is late if you send it in the mail? Something is up and it should be looked into. Imagine a customer service rep that cannot help you get back into your account over the phone. I figure he/she could have given me a code over the phone, or unblocked my account.

My credit card was hacked online, changed my phone, email and address. When I noticed 5 days after they changed all my information, the hackers already maxed out my card that I just almost had paid off. They were able to get a card overnighted to Florida, I live in Michigan. When I asked about a card I was told 7 to 10 days. How can hackers get overnighted and I can't. Now I cannot even get the charges taken care of. Been 30 days and told it will take up to 90. In the meantime my credit is taking a hit, my bill is higher and I have no emergency back up card. This is not a good company and I regret getting a card from Credit One Bank. Almost like an inside job that this is happening to so many of us and all going to Florida.

My credit bureau alerted me that a new account opened in my name. It was a Credit One card. Since I never opened this account I called the company and was told that they could not remove it from my credit report. The representative told me that he had my date of birth which is why they reported it. I immediately started a dispute with my credit bureau and reported Credit One to the Better Business Bureau.

I have tried to go online to make a payment and I cannot get through. I have had the same username and password for some time and never had a problem. I'm so disgusted because now I have to send my payment and it will be late and I'll be charged a late fee. I have had payment reminders in my e-mail, but when I click it on, I get a McAfee warning. I don't know what to do!!! I tried calling Credit One, but all I get is music.

Went online to make (FIRST). Filled out all the information to make online account to pay bill (perhaps including social security number)... they couldn't go any further after suddenly realizing I didn't have the account number because I had never received (or opened) the actual credit card. Searched through the mail and found 'new' card. Went back to computer to furnish this LAST piece of information to login in to pay or set up payment online for this account. Before I could get back to the computer/website to enter account number... the Credit One Bank site (for payments) appears to have been REMOVED or TAKEN DOWN.

I recently activated a card through the toll free number they provided. Shortly after, my card was compromised and someone purchased over $800 at Target in Florida (I live in TX). When I called to report this fraudulent charge, I was told that I needed to verify my password. I never created a password. I activated it on the phone and it never asked for a password. When I said I didn't create a password, she asked me to verify my mother's maiden name which I did. She told me it was incorrect. I asked her how it was incorrect when that was my mother's maiden name.

Do not get this card if you can avoid it. I am trying to rebuild my credit so I moved forward with these clowns. They are IMPOSSIBLE to either get on the phone or understand if you are are "lucky" enough to get someone on the phone. You cannot make a payment over the phone. They insist that you do everything through their website - which is not user friendly at all. Also they readily charge late payments for making payments online and not choosing their speed payment service which charges an outrageous amount of money, something like $12. Also, their website is always down. I was just trying to log on today to make a payment and check my balance, but couldn't do it because it is down again. And calling is not an option. These people are a joke and money scammers. Do not open an account with them. You will be very sorry!

I just called Credit One Bank to explain that my credit card is lost. The extremely rude customer service rep informed me that it will cost me $25.00 to replace the card and an additional $19.00 if I need it expressed. This is after I already pay $99.00 yearly fee and has never been late with my monthly payment. That's it guys... I will not entitle myself to this financial abuse one day longer. For those who are considering this company be very careful of the fine prints. You will be taken advantage of before you know it. I now know there are other alternatives to rebuilding your credit. Try Discover card or Capital One. They consider low credit scores and allow you to rebuild without robbing you.

Customer service was rude and did not listen. A card was supposedly issued in February 2017 which I never received. Credit One made no contact with me until April 13. 2018. (Big gap) Received first written communication on April 18, 2018 of a past due balance. Customer service reluctantly told me that the charge to account was their annual fee and then a late fee. Customer service admitted the card was never activated and that they assessed the annual fee on an un-activated card. So why has no one from Credit One contacted me in over a year? Both Customer Service and Supervisor kept saying they would send a replacement card and I kept saying I don't want a card. End result is supposed to be card is cancelled and all charges are erased...

I applied like most trying to rebuild my credit. They never could get my payment correct from Savings vs Checking. Closed my account due to fighting with them trying to make a payment every month that they could not comprehend Savings vs checking. I have a savings account and have been unsuccessful of getting them to understand that is the type of account it is. Only one time did I ever finally get through and I had to speak with 3 different people. After that they would call and tell me my account was closed and my payment did not go through and charged me $45 return fees and then a late fee. I even had my bank send them documentation of my account number and all I got from them was it was my fault and I needed to pay on my account. Can't when you don't comprehend the process!

Credit One Bank is literally the least ethical business I have ever had the misfortune to cross paths with. They are a predatory company that takes advantage of people who are trying to start their credit files and/or recover from a financial setback. Not only do they charge outrageous fees for EVERYTHING including attempting to pay your bill in a timely fashion, they own their own collection firms and will harass you at all hours of the day and night and the people they employ are barely able to speak English or Spanish. Do yourself a favor and use the fees you will pay this company to go to a reputable company and get a secured credit card.

As of 06-08-2018 a refund was awarded and updates made. Thank you for your listeners. We the people; power to the people... :-D

I never applied for this card! When I received mail showing I had an open card and there were charges on it already, I called immediately. They would not give me any information whatsoever or transfer me to a fraud department. They said they would take a report for the fraud department and I’d hear back from someone. It’s been two months and I’ve never heard a thing. Be aware of this company being a scam! I never received a card in the mail or a bill yet there are charges on this apparent card. Go figure!

Credit One intentionally misleads consumers, and when you finally get someone on the phone - they go above and beyond to keep information from you. I'm paying off this card and burning it and telling everyone I know who like me, only signed up to build my credit, that this company is only out to take advantage of those in most need. HORRIBLE - anyone who works here should be ASHAMED!!!

Starting February 2 I got a letter from Credit One saying this large amount of money was paid to my account but didn't go through. So I called them and learned there were a few large amount paid to my card but didn't go through but there were also transactions made to Walmart's in South Carolina and Indiana. I told them I wasn't there and they were not my transactions. They canceled that card and sent me a new one. Then I got a email stating that my information was changed and if I didn't authorize to call them and when I did they said my info was changed to a Miami Florida address. I told them I never lived in Florida so then they put my account on fraud alert.

This place is the absolute worst. They call you to tell you that there's been fraudulent activity on your account. Once it has been proven that there's been fraudulent activity on the account they put a fraud on your account. They tell you they're going to send you a card in 7 to 10 days. When you ask them if they could send you a paper to tell yes your account is under fraudulent activity investigation so that you can give that to the proper authorities to give to your banking institution and for your police report they say they can't do it.

Stay away from this credit card company! High fees, bad customer service and so not worth the money lost! P.S. I think their call center is through India because none of them can clearly speak English. First, the fees are outrageous! I will admit, I had credit issues and was looking for a credit card to jump-start rebuilding my credit and they offered just that. However, I was overwhelmed with the hidden fees! There is a fee for EVERYTHING associated with this card. Want an increase? Pay $29.95. Want another person to have a card (such as spouse)? Pay $25. Express payment so your payment is applied to your account next business day? Pay $9.95. And the annual fee... when you first get the card, regardless of your credit limit, you are slammed with a $75 fee.

Accepting the offer for this credit card was the biggest mistake I made. Since the first day there has been nothing but issues that have not been resolved. After spending one hour on the phone four days before Christmas to be told false truths and promises. The customer service is horrible. The level of understanding is horrible. I have several major credit cards and I have never dealt with this type of service of fees. I was promised on December 21, 2017 @ 9:26am after speaking with agent Eric (employee ID #**) and supervisor Alex that all my concerns and the fee would be waived.

I don't use my credit one cards often. I received a change address confirmation email from Credit One in December 2017. I called to notify that I didn't change my address. Turns out someone in Miami had received a "replacement card" on one of my accounts and was using it. Credit One was great at first and captured the account, started investigation and reversed the charges. Then it happened again. And Again. And Again. Four replacement cards were sent to this person in Miami (I live in California).

I ask credit one for charges made to my credit card when balance was 0 balance and they didn't give me an explanation at all. They said they will overview my account or investigate, but I haven't get any response. I submitted my complaint a month ago, and the charges are still there. What's wrong with them.

Set up after signing up with the pre-qualified letter. So, setting up payment method with my debit card from other bank and waited for the date, April 4, in order to avoid settling my balance with "express payment" which requires a ridiculous charge. Then, I found I can't go online again for Credit One can't locate my other bank account with my debit card. The lady, repeatedly saying she is "the only one" over the phone, from Customer Service hotline asks me to settle with the "express payment" which costs close to $10. I feel angry about this, coz Credit One should notify me the payment, which works with other credit card company immediately, that this is not working in Credit One. Sounds wired, right? Very suspicious! (I save my time in writing) I regret to get this additional credit card! So, think about it if you have this card.

Submitted an online payment, got a confirmation, then the website went down, so I called customer service to verify my payment went thru and they told me it didn't because of network issues, and to make my payment 2 hours later. I was fine with that, the very next day I have two payments of 300.00 come out of my account and they said that it will take 7-10 days for a refund and my balance wouldn't be available until 5 business days. Out of money for damn near a week for me to have credit card money avail and also to get my refund back. Customer service is horrible, corporate if there even is one, is disgusting. I wish I had never signed up for this mailing offer. This place is disgusting and are slimy ** out to hurt consumers. They don't help credit and the customer service is trash and they are a bunch of foreign racists.

I have a credit card with Capital One. Credit One sent me a letter telling me that I was approved on getting a higher limit for my card. Being stupid, I misread the name and thought it was Capital One sending me this letter. I then proceeded to apply for this new card and when I got it, I activated it without thinking. Ten minutes later, I realized that it was Credit One I applied for and that there were hidden annual fees that were hard to spot at first. I was fuming and confused.

This is the worst Credit Card Ever. They sent me a card with $300 balance. Took $75.00 in the beginning. I never applied, signed anything saying I wanted this card. This Company is a fraud. Asked me to send them a letter from my bank to get confirmed verification that the account mine. After I paid the $75.00 because I don't want to mess my credit up they temporary suspend my account until they receive the letter from my Personal Bank Account. My banker said they never heard of this Credit Card and be careful because they maybe FRAUD.

Thieves preying on innocent people. No access to customer service, set off all the red flags. Scam. DO NOT GET THIS CARD. A $75 ANNUAL fee, which is hidden when you apply. Waste of time. Trying to cancel. No customer service. No way to do it online or on the phone. SCAM SCAM SCAM.

I don't think I have EVER had a good experience with this card. It was my first time on my own and I racked up a lot of credit cards just to pay bills and I was desperate, so, I applied for this card. First encounter with them... I learned that you could change your payment date, so I did. I got a call about a week later saying that my first payment was missed. I apologized and said I'd make it as soon as I can. Realizing that I changed the payment date so I shouldn't have "missed" it, I called back and explained that. I got a very rude rep and he said that the change doesn't take effect til the next billing cycle. Well I had changed my payment date either online or through the automated system (can't remember which) and they said nothing about that.

The fees are high for this card. I had it for two years, paid the high annual fees, and I think I may have used to card two or three times and paid the balance as soon at it posted to my account due to the non-existent grace period. I always refused the credit limit increases due to the cost (typically $24.99 for a couple hundred extra dollars), however, I do remember once that they automatically increased it without my having to pay for it and they did not charge my account.

The reason I applied for this CC was because it was one of the only card I qualified for at the time and I needed credit in order to get my score back up. Credit One gave me a credit card but one with a low limit and at a huge cost. I had this CC for almost 2 years and it was a hallelujah day when I finally shredded it. Starting off they charged me an annual $75 fee. After one year the cost to own this card goes up to $99 or $8.25 per month. To get my score up I researched and read that I should not charge more than 30% of my limit. This meant I could not charge more than $180 per month on my Credit One CC.

They don't have auto payment and even if you do pay on time, they notify you that it will take up to a week to post the payment unless you pay an extra $9 express payment fee - each time you pay. They charge a monthly fee. They constantly offer you "credit increases" - $75 fee for each $125 "increase". You have to decline these scam offers each time you log into your account.

I have had this card for eight years, I used it in the beginning, ($1000 credit line), but now I have a much higher credit score (721) and I don't need it. I have paid $8.25 for a $0 balance on this card for 6 years. My credit available on this card is $3275. Each time you raise your credit line, you pay a large fee to do so. I have never in my life added an authorized user to a credit card account. Today, I went in to pay my $8.25 fee and I noticed that there was an authorized user charge for $19.00. I called them immediately and someone had changed my address and ordered a new card to their address.

They sent me a card. We don’t have any credit cards but after comparing to another offer from another company I decided to get the card as I have a lot of medical due to leukemia and another mass now. I thought I could use this when needed then pay off. There wasn’t an annual fee anywhere I saw. And the other offer had one. So again I chose this one. I get a statement last week. Not due til April. Today I get a call and when I call back I am over my limit. I was so upset because I knew exactly what I spent. I got customer service and was told my payment was due yesterday and a late fee was applied plus 75$ annual fee. I was horrified. Still am. I argued with the person who was rude and would not listen and will not close the account. I wish I had read all the reviews on this horrible company. It seems a scam. I have no idea how I am going to pay the late and annual fee and get this closed. So so sick and upset.

Ok, how is it that anyone can steal our cards, make thousands of dollars worth of charges, change the address on the billing statement, but when I call to report it, "Nope... Sorry, have your husband call." So, today, I look again, not only have the fraudulent charges on the first card not been resolved, but the scammers were able to open a NEW card in our name, again, charging all kinds of money on this new card. How is this okay? We don't live in FLA; haven't been to FLA, and these charges are all from FLA. Unreal, they are horrible, but they allow bogus people to use our card, then open a new one when the old one stopped working, ughhh.

Can someone tell me how I can close the account? I’m calling to customer service but is not helping. They charged me 75$ per year/after they will charge 8$/per month, I don’t need this card. Can someone help me where to call/write? Thank you.

They would not accept my payments and charged me for late fees. Customer service was very rude and impolite. They were not able to answer my questions over the phone and kept telling me to send a letter instead. My credit has dropped drastically because of them. And have never had issues with payments with my other credit cards.

Paid off card in full three months ago. Wanted to build up my credit, cut up card and kept account open. I was alerted today via email that I had an outstanding balance and contacted Credit One. They stated that I was charged an $8 service fee (for a 0 balance account) a month followed by a late charge and then interest which added up to $111.61. After I finished laughing, I was told that I could make an express payment for $9!! I feel that I had no choice but to pay it. Probably my fault for thinking it was as easy. I was transferred three times in total for this transaction. I asked them to CLOSE this account and send me confirmation in the mail. DON'T get this card no matter how good it appears to be - you WILL be paying it off until you die and interest charges are ridiculously high.

This card is horrible. I make payments double the minimum amount every single month, but yet I have no money on my card ever. I have sought legal advice because this card is a rip-off. They charge an annual 8$ fee monthly! I'm pretty sure annual means we should not be charged monthly. I have called numerous times to cancel the card due to not being able to ever get ahead on this card. I was told I was not allowed to cancel my card until the full balance was paid off, and even when I offered to pay the full balance, I was told I could not cancel until after the payment posted, meaning they needed to charge me more money before canceling the card.

They screwed my credit score and refused to correct it. I had two accounts and they closed one due to inactivity. I begged them to keep the account open. They refused. Later I found out that the account was open and there was a 5 dollar annual fee. This turned into 2 late payments drastically affecting my credit score. Over 5 bucks. I asked them to listen to my calls to customer service when their employee told me the account was closed. I lost the appeal and now I'm screwed. Their customer service are based in India and give zero **...

I've had this account for 3 yrs never had a problem. What I do is take paper statements. I try to run a credit with them no interest to pay in June. I'll have a 45 dollar fee. As of right now I have a 27 dollar credit so this month I'll pay 19 dollars. So, when the fee posts they can't charge interest. I started with a 500 limit and now I'm up to 1700 limit. Never paying for limits. It worked for me.

Too many unexpected fees. I just made a payment and no money in my account and they posted my next payment to be made already. No statement either. I am really being ripped off now. I'm worried if I cancel they'll take all my money out of my bank.

A few months ago I received a card from Credit One Bank. I was so happy they issued me a card. I started using it and making my payments. I made a payment last month for the minim. After I clicked to send I realized I sent a full payment. I call their customer service and try to get all straightened out. What a joke!!! The person has a thick accent and hard to understand. I ask for the return of my money minus the monthly amount I owe. Told I can't have any help with the matter. We go back and forth for 5 minutes. Then I am told if I wait later I can get a check back from Credit One. Then when he sees he can't help I am referred to another man with the same thick accent and we go round and round and then he hangs up on me. So I decide if they take the full payment I won't have any money for 3 weeks until payday. So I try one more time and I got the same treatment. I gave up and had my bank stop their payment.

I'm a Computer Programmer. "Credit One" deliberately denies specific users access to their website at specific times, and literally LIES stating that they are entering the wrong username or password when they are not. This is apparently done in an attempt to prevent users who have a history of paying their bills early access in an attempt to try to force the users to pay late in hopes that Credit One can garner late fees. DO NOT DO BUSINESS WITH THIS INSTITUTION.

Well I called Credit One Bank and told them that I didn't open a credit card and wanted removed from my credit report. They didn't believe me and they that it was me. It's about almost 800.00 dollars rang up on the card. I was so pissed off and now I have this on my credit.

I have never been late on any payments and when I called to get a late fee waived because they sent my payment back that I had paid on time the lady on customer service was rude and I was told I would never have a late waived again and next time "pay on time" when clearly I did! Bad service, people, and too much hassle!

This is the worst credit card I had in my life to say the least!!! This company charges 35.00 on your account if you're two days late from your due date. On top of that they charge you a fee to even activate the card. The customer service is horrible and no one cares be about how they're treating people. It's a disgrace. I've had this card since Nov 2017 for 300.00. Have made several of payments use the card one time and I still have a balance of 295.00. I hate this company and when I'm done paying this card off I'm done with this company. I would not recommend or advise anyone anyone be to get this card. They're full of crap.

If you are looking for a credit card company do not use Credit One. I've paid 3 weeks early for years. But, if you are within a week before payment is due; they excessively call you over and over and over though it's still NOT due yet. They call from random local phone numbers and no one speaks English on the other end. Lately, I paid off 2 credit cards with 2 payments, they applied both payments to 1 credit card. Common sense would say, 2 credit cards, 2 in full payments received. It's been a week since their mistake and I called several times to get the payment moved over correctly. They say "it takes awhile, may take 7days or more". They do this on purpose as interest incurs. Do not expect anything good out of this company everything cost, additional cards, additional users to your account, credit line increases are not free. Do not expect an apology for their mistake either.

On three occasions, I have paid on my credit card account through the bank's website on or before the due date, only to be called a week later and told my payment is late. This makes me believe that the website is faulty. After three times however, I cannot help but think the site is faulty by design to scam users out of late fees. Since the first time it happened, I have saved every confirmation page after my payment, yet the payment never clears my bank account and there seems to be little to no recourse. I am baffled at how any company can get away with this.

So I had gotten my tax returns and wanted to pay off as many credit cards as possible, because I want to close a couple of them. So I made a second payment to completely pay off my Credit One Bank Visa and now I have to wait to verify my bank information again, it's the silliest thing I have ever heard. I made two back to back payments to Capital One and that card is now paid off, no re-verification needed, but for some reason I have to wait 1-5 days to re-verify with Credit One Bank. Now I have a full payment sitting in limbo and can't cancel the card or pay with debit because the payment shows as pending and I don't want to double pay. I have attached the email received.

I opened this account because I didn't pay attention enough to the name on the envelope. I thought I was opening a Capital One card. My fault in the reading, but I HIGHLY recommend to NEVER get a credit card through this bank. My limit was not very high to start out with. I can't get a higher credit amount for stupid reason, Like I do not make enough for their standards. My three other credit cards are all well over 1000$ for limits and Always extend my credit if asked. Credit One won't extend my credit limit past 400.

I have tried to cancel this card for 8 months. I basically used the card once when I first received it--- er that I never used it. Had it just as an extra emergency card. They kept charging me fees- double billing cycles. When I tried to cancel the first time they basically blackmailed me with - "You won't have to pay the high fee if you keep your card." It was so frustrating. Still never used the card. After 7 months they charged me a fee again. I called and after 30 minutes of arguing they finally cancelled my card --- I hope --- I just got off the phone with them!

I asked for a credit increase. They denied me based on the following information credit amount, and too many current credit inquiries but they tell you that they will look at your paying standing with them. If I would known this I would have not have gotten this card.

I requested this Credit One credit card on the advice of Credit Karma as it was suggested it would increase my credit score. The initial card fee was $35.00 and then the first billing they charged $70.00 bogus fees and I had not even purchased anything. I called the company and they gave me a very hard time trying to close the account, I had to speak to four different people and I told them I would be placing a formal complaint against them. At this point the account is still not closed. I have also advised Credit Karma they are giving bad advice to consumers.

I had a Credit One card from July 2017 to January 2018. I never had any problems with payments, etc. Card was always paid on time and payment posted to my account within a day or so. I decided to pay my balance in full last month and close my account. After my payment posted, I received notification that they added a credit to my account. It was half of the annual fee back since I didn't keep my card a full year. I called and they said they will be sending a check to me for my refund. A month later, NOTHING!!! I have called twice. The people speak horrible English. The first person hung up on me, and the second one pretended to check on my check for me and placed me on hold... After being on hold for 20 minutes I hung up. This is the worst company ever. I want my money back but they are thieves.

I just got the card in the mail on Saturday, Feb 17th. My husband is disabled and I am his unpaid caregiver. I needed to pick up prescriptions and pay medical bills. My credit limit was $300.00. I just called today to find out my due date. They told me it was yesterday (Monday, Feb. 19th), and I am over limit. It seems there was a $75.00 annual fee taken off the top of my available credit. So now I am over limit and late 3 days after I received the card. I got this card to help me out, but now I just have more problems. SMH.

I will be filing a lawsuit based on their illegal activity of double cycle billing. I opened this account in Dec 2017 basically for my son to have a card if needed when not with me. I paid the Dec, opening account balance prior to the due date in Jan. I paid the Jan balance on Feb 5, prior to the Feb 13 due date yet, they still charged interest for Jan charges. I called today to cancel the card, same issue as everyone else on here with them not wanting to cancel card. Finally the supervisor after arguing with him for 23 minutes said he would close the card. Then I log on to pay the balance off which the due date for is not until March 13 and it tells me that I am not allowed to make a payment at this time as I have made four payments in a 30 day period, which I have not done.

I opened this card cause my credit was down. Now I want to close it. Sounds from this site that you need to talk to BBB. I will do this tomorrow. You try to do the right thing and you get screwed. I see a long road ahead. Thank you to people who have opened my blind eyes. My credit sucks as it is from ID theft. I feel I should give up. But NO. I will fight. This is America. This company is legal???

I should never have opened account with this company, just like other complaints on here I had trouble closing my account. They would keep harassing me with phone calls if I missed payment. Funny thing is I sent out REGULAR payment, and they said they have not received my payment. (Which I sent it out a week before.) Then they told me that regular payment takes not 7 days but 7-10 business day. What a joke, it seems like they want that $9.95 fee so you use express pay. Garbage company.

Ironically after I told the representative that I felt I was being scammed (after multiple calls to the company & talking with different reps) they finally fixed my online access. After reading the reviews I will no longer make a credit card payment online. I will mail it in!

Very concerned that my request to close the account dragged on for almost a year, incurring charges and ultimately affecting my credit report. When I called to discuss this, it was not appropriately handled.

Credit One Card created 2 types of payments: Express Payment with a $9.95 fee. Standard Payment: Customers can pay by debit card or credit card and it takes 7 days for this type of payment to be credited??? This is the way to rip off customers since any payment by Credit card or debit card do not take 7 days to be credited?? I will close my account soon with this ripoff businesses.

Online would never work so I could make a payment. Now I'm in collections since payment never got there on time. Late fee after late fee I'm on a fixed income couldn't afford. It so now I'm screwed in collections.

I called to close my account with Credit One on 1/26/18. I asked that they give me confirmation upon closure of my account with them...they refused. They said they don’t give out confirmation or reference numbers. I told him I needed something in writing but he kept putting me on hold a couple of times to come back with the same answer. It was a real waste of my time as I spent an hour arguing back and forth with him and telling him I know my rights as a consumer. The guy I was speaking to said his name was “Jeffrey” (hmmm...he was speaking really fast and it was hard to understand him as he sounded foreign without good English speaking skills). I asked him to slowly spell his name...he spelled it as I spelled it above. I am lost for words.

It's 2018. This bank operates like it's run by the North Koreans in 1950. This bank operates solely as "No", "No, we have no customer service." "No, we can't do that." "No, we don't do that." "No, we can't help you." And YES, we can charge you up the ass, take your money and treat you like **. Absolutely HATE this company. Hate the way they don't have a simple way to extract the statements to CSV. They don't shake hands with any of the software that manages money, like Quickbooks, or Quicken. I wouldn't be surprised if tattooed to each of their employees is "No, I don't help anyone and customer service is a country far far away, I've never been and never want to go." This is the WORST credit card to own.

I got this card at a stressful point in my life, and thought it was another bank. I have had similar experiences to everyone else complaints. I had an annual fee that I knew nothing about. They started charging me monthly without my consent. They offered to increase my credit if I paid them $250 (to which I said "no!") and they just transferred me when I wanted to close my account. I told them I would get an attorney, and then they told me they couldn't close my account until they had a letter from the attorney. I got them to supposedly close it, but they said they wouldn't send me a letter confirming unless they had a letter from an attorney.

Ridiculously high interest card. Charges annual and monthly fees regardless if you have used the card at all. Credit One also conveniently neglects to tell you that they have charged any fees until it becomes late, at which point they call you immediately and several times a day. It's difficult to talk to a person and when you finally do it's some call center in India. When you ask to cancel your card they just start spouting off ** offers to keep it open and will talk over you while doing so. When I finally told them I don't care about their offers and I wanted to cancel my account immediately, they just said it was canceled and then hung up...so now I get to see if it was actually canceled or if they are going to try to charge more ** fees.

I requested a credit card after losing my original. No card was posted to me. However interest and charges for a new card were added to my account. I would like a refund. However there is no way to phone the place to query this matter.

Credit One incorrectly marked a charge as fraudulent on 12/9/17 and has not corrected the error causing a major issue with the merchant. On 11/20/17 I made a purchase for with a vendor using my Credit One credit card. The purchase went through fine. A few days later I realized that also on 11/20 there were 6 other charges made to my Credit One card that were fraudulent. I called Credit One and reported those charges. We discussed the valid purchase made that same day and I said that it was OK and did not report it as fraud.

I opened this card last year and within a week was charged with a 75 dollar annual fee. I hadn't even used the card once. Decided to pay the 75 and was charged yet again just to make the express payment. Otherwise, I would have had to wait a whole week before funds were made towards the account. Decided to call and close my account permanently. One year later I get a call from Credit One stating that I have a past due balance. After speaking on the phone with them for an hour, both on hold, and being transferred back and forth, they were finally able to close my account again. TERRIBLE TERRIBLE TERRIBLE CUSTOMER SERVICE. To top things off you can’t understand a word any of them are saying. DO NOT open an account with them!!!

My wife got a letter from this bank offering a credit card and my wife believed that this was from Capital One because its logo is pretty similar. By mistake my wife applied believing that this was Capital One. Next month she got a new letter charging her $75 for a membership that never was notified. Do not be unwary. This is a very fraudulent offer.

Credit One Bank is very slow on customer service because of foreign speaking workers. They also at time when you're trying to pay on your account online block your usage. I reported them to IC3 because they want to charge a yearly charge and make you pay a late payment when you don't even own any money on your balance. LifeLock acts stupid when you call them and disconnect you on the phone. Acct: ** ref: http://www.creditonebank.com. Also, sometimes their website is being blocked by foreigners... They want your Social Security number when you get a call from them...

Impossible to talk to a person. Paid credit card bill, said I was late. Finally found a way to get thru. Late payment was reversed. Was told payment should be made 7 days ahead so it would post. Doesn't make sense because when I schedule a payment it’s always out of my bank the next day. Now they say I'm over my limit, but I'm not. Phone system is down today for service. Don't get this card. I did it to build my credit which it had done in the beginning. Would close it but don't want to hurt my score. Maybe Wells Fargo owns this.

My sister in law saw a double payment on her account last year. She called them immediately to have one of the payments reversed, and the money returned to her checking account. Simple, right? Ahhh, no. The extra payment was reversed, and the money returned to her. In the meantime, THEY had reported a duplicate payment as fraud (yes, you read that right. A fraudulent PAYMENT). So they closed first account and issued new card, number account and all that.

Buyer BEWARE! This card will charge you to make a payment faster than 7 days and nickel and dimes you to death. There's also no easy way to get a human customer service person for anything. Frankly... I am sorry I ever got this card. Why should I pay an additional $9 to do a 2-day payment processing and why if I pay a few days before my due date am I held up for 7 days then charge a late fee for them holding my payment when it leaves my bank the day after I pay it. This is VERY BAD business.

I paid off my card every month, had them for two years. At the time I had no choice because of a bankruptcy and they took full advantage of that. So the fee was annoying but I needed a card to build my credit so I thought. Not only did they charge that fee, I figured out after researching further I learned they charge interest multiple times a month, they drag their feet on processing fraud charges to ensure they can charge interest on those amounts, they also charge fees on those charges as well. They take over 30 days, actually more like 90 days to put any fraud charges back on your card. I realized that when I was being charged 100's of dollars on my card even with paying them off every month.

How can a credit card company/bank not have a workable website to make payments to. Their website never loads and they try and force you into calling and making an express payment for $9.95. Can never get through to an actual representative. Automated phone service directs you to a website that DOESN'T WORK.

I had no idea that this credit card was for "high risk" borrowers or those without credit. I am a Canadian living in California and they sent me offer after offer to sign up, and I wanted my own independence from living off of my husband, so I took the bait. I also signed up for paperless billing right away. This company never emailed me a statement in the 3 months I was with them. Therefore, I never thought of them. However, they started calling me incessantly recently, and I took the latest call. They told me I owed $118.93. I told them I had never used the card before, and in a quizzical manner asked how I could possibly owe that. They said this was the activation fee and then subsequent late fees for not paying the activation fee, as well as a fee for the "pretty" design of the card I chose. I told them that they never informed me upon signing up that there were any such fees associated with opening an account.

Two years ago I reported my card lost/stolen. They said they would send me a new card, they never did. I repeated the process of calling to report lost/stolen several times. They keep charging me interest and late fees on a card I don't have plus the yearly fee to just have the card. EVERY TIME you call, you wait on hold, get transferred. No one helps. I've had the same conversation with them for TWO YEARS. No idea how I will ever get this card closed or resolved. Seriously. They are the worst experience I've ever had.

Months ago I paid the entire balance on my Credit One Credit Card Account. It has taken months to pay off additional interest and other fees. I have not received any bills in the mail for months but received a call from a representative this weekend advising that I owe over $50.00. No purchases have been made since Nov and those were paid in full. Apparently there was .51 in interest. I now owe them over $60.00. I paid this just to get rid of these legalized CROOKS. Although I closed this account months ago, I am still being charge a monthly fee. My interest rate is 24%. Stay away from Credit One Credit Card Account. How have we allowed banks to do this to the American public? This is an outrage.

Just like all the other reviews. Stay away from this credit card. I have had this card over 3 years and unbeknownst to me another application was submitted using a different address. That account was not opened which is great but they have not blocked my current card for access. They want me to send in documentation when I called them though payments have always been made on time. They are refusing payments over the phone and on my due date will be late because they are saying you have to mail in the payment knowing it’s due today. They are a bunch of thieves and told them to eat the balance. This is how they treat good clients. STAY AWAY from them.

I have tried for days to log into their website and it will not open, I have read many other people are having the same problem. I don't know what to do. I just want to pay off my card and close it immediately. They have reported falsely late payments and ruined my credit as well. Something must be done.

Receive card about a month ago and so far I've had problems with trying to login to my account, I've called customer service several times and they are absolutely no help at all. They are trying to make me pay over the phone and charge me the Express payment. They keep calling about 5 or more times a day. My payment due date is today and yet I've been receiving phone calls for the past 2 weeks. Still with no success to log in to my account, customer service is being rude and unable to help. I strongly suggest to stay away from this credit card to Avoid the headaches and stress caused by them.

This credit card company makes it difficult to pay online. Their website or app is either corrupted or doesn't load and when you attempt to pay it does not allow you to do. You are then forced to make an express payment over the phone which costs 9.00 extra to do. This is also where they can collect on late fees if you are unable to access the site online. I called customer service to make a payment and complain that the website had been down and asked why there isn't an option to make a standard payment and only an express payment over the phone, they stated that can only be done with the online option. I explained that the website has been down. I have attempted 4-5 times in last month. They stated there was nothing wrong with the website. This credit card company is corrupt, steer clear. I have read reviews where others have had difficulty accessing the website to manage their account also.

I hate this card. Their website is always down. When I call in every month to make my payment, I demand that I do not get charged a $9.95 fee because it's not my fault their site never works. Although my credit report always shows I am in good standing with them, they never update the balance with the 3 major credit bureaus. I'm so over this card. My account is getting shut down as soon as it's paid off, which by the way, I have no idea what my balance even is since I can't get into their website. This card is trash. I'm going to write them a certified letter when I shut it down and if that doesn't work I'm contacting my lawyer. I don't see how this place hasn't been investigated for fraud yet by the Attorney General. Obviously, we aren't just a bunch of complainers, when everyone on here, including myself, are saying the same thing about this place.

While I have not had the issues of being charged for late payments, or creditor calling me every day due to late payments as I have had my account paid online on time every month for a year, I was never offered a Credit line increase until very recently. So what was my reward for on time payments, Double the minimum payment every month? An offer of credit line increase of $250 for a fee of 14.95. That is a 6% fee just to get an increase. It appears that this bank thinks that just because I have had poor credit in the past that I am incapable of thinking for myself when it comes to sound Financial decision. They offer you credit to “HELP” rebuild your credit file with the intention of milking you for every cent you have. Please DO NOT consider getting this card and be wishing you had not. There have to be better credit card programs to help you, and not be only after your money.

We received this card and wanted to build credit, I have been trying to make a payment and have been unable to and now the payment is late. Their customer service does not allow you to speak to a human, it is all automated. They do not offer to make a payment over the phone unless you do an "express payment" which will cost you an additional $9.95 and you have to use another credit card to pay it. When you click on their customer service link on their website, the page is blank and doesn't ever load. I don't even know where to go from here to pay it, we did not receive a bill in the mail for it because we chose paperless billing when we initially signed up. Naturally that part of their website works just fine. How is it legal for a company to have a credit card and have no way to speak to a person, how do you report fraudulent charges or if you have problems there's no way to solve them. Just totally ridiculous.

First of all, how does this "Bank" even exist? My husband and I each have a card. When my husband mailed in his very first payment it came back to him with a sticker on it saying "This address does not exist". It was the address printed on the bill. So how could it be wrong? I called them and right off the bat I said "what's the deal here?". So the man I spoke to (which, no offense) I could hardly understand because of his strong accent. Said I can pay the bill on the phone for a fee. I immediately spoke up to him and said "why should I have to pay a fee when the bill went directly to you and you people sent it back?" So I didn't have to pay the fee. Guess I got lucky that day.

About two months ago I made my payment to this credit card company and they charged my bank card an extra two payments! This error they made threw my budget off balance. I kept calling them then finally on the third day I explained it to her and she apologized for the error. The following month I was told to make payment through mail and always paid them on time, not only did they closed the account they place a negative remark on my credit, hurting my score. The government should really look into it. This is truly a nightmare.

DEAR GOD!!! Pray that you never have to dispute a transaction with Credit One. WHEN I FINALLY got ahold of an agent, he SPOKE ABSOLUTELY horrible English. OMG come on now... Then after finally getting to the point of what was going on with my acct. He only said, "I am so sorry we get this fixed for you..." UGHHH then proceeds to tell me that I will have to write some dumb letter telling them why I want to dispute this. ARE YOU KIDDING ME??? Is that not your job to listen to me and dispute it??? So I TRY TO GET THE ADDRESS but of course could not understand him after he repeated himself about 3 times. He then told me, "I'M SORRY I CAN'T HELP YOU if you cannot understand me!!!" I then asked to speak to another rep and he actually told me NO!!! THEN HE HUNG UP... BEWARE!!! Still not sure what to do now...

Got this card and was excited as my credit wasn’t the best. I called to ask if they would waive the fee as this was my first time using them. They refused. Okay sure worth a try. The 35 dollar late fee is ridiculous as it gets added if the payment isn’t processed by the date. Why does it take them over a week to process a payment? Second if you are even a day late they call you every hour on the hour to try and get a payment out of you. It has gotten to the point where I block every single number I know is them. As far as the on phone processing fee (10.00), if you tell them you aren’t paying a fee they waive it. Just a heads up for others who have this card! I will be canceling as soon as my balance is paid off, which with all the fees won’t be soon enough.

I called Customer Service to make a payment on my account about 1 day before it was due; usually do this online, but for some reason the website wasn't coming up. So I called to make payment; I usually do a standard payment which is no charge. I was informed that my payment would include the express payment fee and I specifically told the moron of the representative; which by the way she was completely rude that I didn't want to make the express payment -- just wanted to do a standard payment. She tells me in a rude manner that I couldn't do that over the phone; I told her the problem I was having with the website and she said something -- which I can't remember -- but it was demeaning to me!

I have been trying to access the website for 3 days now. I called customer service which is in India of course. Luckily after waiting 20 minutes, I talked to a rep who wasn't from backwoods, East ** India. They said turn off ad blocker, clear the cookies and use a different browser other than Google or Explorer. It's still not working. I want access to my bill. After reading the reviews online, I'm very concerned they are trying to limit access to create revenue from late fees. If I can't get some satisfaction by the middle of the week, I will be speaking to the Attorney General's office.

I’ve had this card less than 2 weeks and purchased one thing on it. I kept trying to pay it off right away but the payment never posted however they reported to the credit bureaus that I didn’t pay which dropped my credit score by 35 points. I was absolutely furious as I pay all my credit cards off in full every month. Received a bill that said payment was due on the 1st for an amount of $45 which I’ve been trying to pay. They sent this over to the bureaus on 12/23/2017. I received the card on 12/15/17. When I called to ask why they would send that over when the payment isn’t posted and I can’t pay they hung up on me. Which pissed me off. I called back asked for a supervisor who spoke no English.

If I could give them a 0 I would. First they canceled my online access because they had a trouble processing my on time in full payment, then it happened again! When I called they said that I had to send a verification of the bank account number by going to my bank and having them send a letter that the checking account was mine. I refused, so they closed my account. I paid my card in full every single month and was a good customer, but they are a terrible credit card company, and I am really glad I don't have to ever deal with them again.

Let's be honest, this card is designed to hook people with low to no credit histories. Bottom line. It's the same reason I was approved for this card so don't feel bad if it's the best you can do right now. However, this company is a giant scam. Their customer service is deplorable, their website often doesn't reflect current information (good luck calling them to try and have this corrected), the app... Well that's just a joke, oh and for the love of God. PLEASE check your balance even if you've paid off your card in full because they will try and trap you with late fees if you are not careful. Credit increases appear to cost you 10% of the credit line increase being offered (at least for me it seemed to average out that way). In short, if you are going to go with this card, make sure to monitor your account because they do NOT have your best interest at heart.

Received a $300 credit card. They took half the credit up front as fees. Today, they called at 7am. They call non stop all hours of the day. It's super harassing and stressful. No boundaries at all. Rather take a ding on my credit, than deal with this any further.

I opened this account with a score in the high 700s, was approved and they started calling me 20+ times each day a week before my due date demanding a payment, they are rude on the phone and clearly don't care about their customers. Their goal seems be to suck in and cheat as much money as possible from low income families who already struggle.

I've had a $0 balance for about a year. They started adding 1/12 of my yearly device fee onto my monthly statement. I pay it. This month, I sent my $8.33 check out on the 11th, for a due date on the 23rd. They didn't cash it, and added a late fee. It may be plausible to be late if my check went out a couple days before the due date, but not 11 or 12 days. It is incredibly hard to get someone on the phone, and the customer service is terrible. I'm closing my account as soon as they remove the charges, as promised. This company is garbage, and they prey on people. Beware.

This bank is the highest rates I have ever seen and there are charges given to an account even when the card is no longer being used and is paid in full. They spam mail you with offers about "pay us $25.00 fee now and we will extend your credit". If you come across them walk away or pay forever and get nothing in return but hassles! I have wanted to finish paying on my account and close it but the website has been down for around 2 weeks. Horrible company and no customer relation whatsoever.

They won't give me a credit line increase and my FICO score is 828. I am sitting at a $900 credit limit and my credit limits with other banks are from $5,000 to $28,000. I would close this account but it is my oldest credit card so it would hurt me to close it.

Credit One is an absolutely horrid company. I accepted their offer when I was younger, and I deeply regret it, because it's nearly impossible to close your account with them. You need a lawyer or another agency to ensure your card is closed by having both written and oral confirmation, multiple copies, all signed in triplicate. Google "how to close a credit one account" and see the horror stories for yourself. It takes several months to happen.

When you pay your OWN BILL ON TIME you are charged $9.99 for each month that you pay your bill by phone. If you send it by mail they're apt to charge you also a $35.00 late fee. I sent my payment in to them by mail 10-12 days prior to payment being due. They're very slow to process your payment or they are probably stalling to get the extra $35.00. (My best guess)… They also CHARGE YOU $19.99 to add to your credit limit, & they keep trying to get me to accept a credit line increase. I won't add a credit increase due to their policies. They're not FOR YOU. They're for themselves, believe the term to best be used for them - GREED!!!

I have been a cardholder for a while. A few things that are not so great: the website is NOT user friendly or easy to understand the information (I check my account regularly. Will not see a payment due yet somehow I get a late payment warning and late fees), the only way to contact for help is via phone. No email or chat and if you have to call be prepared for a wait and when you do get through frustration trying to pull out any competence from who you are speaking to, interest rates are high. If closing it didn't impact my credit score I would have already.

On two occasions, a week apart, they withdrew funds from my bank account for payments without my authorization. A year prior, I notified them of fraudulent charges. Their researches showed that it was done via a PayPal account in Spain (I live in US) that was not mine. I followed up with them and they ignored me. They never corrected the charges. Instead, I was charged a fee for a new card. Do not do business with them. You will regret it. They should be out of business.

I have a Credit One card account, I made my usual payment on Dec. 1st. On Dec. 13 They drained my bank account without my approval. When I tried to contact them all I got were foreign offices and dropped calls. Every time I asked to speak with an office located in the United States, I was denied. I feel uncomfortable giving my personal information to offices outside the United States.

You can't get in touch with them most of the time. And you can't email them or do an online chat with them. They sometimes answer when you call but sometimes not even a recording, it just rings. Something definitely wrong with this company. The customer service representatives don't even sound trained.

Platinum Visa - This is absolutely the worst card to apply for. I wish I would have done research before I applied. There’s no way to get in contact with an actual human being. I have a charge on my account for something that I didn’t purchase and now my account is negative. I’m gonna pay this off and close my account asap.

The worst experience in my credit history has been dealing with Credit One Bank (AKA Capital One). As a customer, I was mislead what my annual fee would and did not realize for the past 3 years I was being charged 3 times as much as to what I agreed to upon agreeing to accept the credit card, which of course was spread out and billed each month. When I contacted customer service to explain the issue and requested the difference back, they said they were not able to credit back to my card because I had zero balance. They should change their name to "CUSTOMER NON-SERVICE".

They make their policies very unclear and then are very underhanded in explaining them - if they can explain them at all, I was able to tell the representative more about the user end of their website than he was able to understand. Example, it says you can change your due date as long as you are within 5 business days of your current due date. So, my due date was on the 5th, and on the 29th of the month before, I changed the due date to the 15th. A green check mark appeared in my online settings and said changed. No other information was displayed or emailed/texted to me (I'm on paperless settings, so I would not think I would receive anything postal mail).

The right arm doesn't know what the left arm is doing. Their customer service is non-existent. They sent my card to the wrong address FOUR TIMES & their website when wanting to review my statement is mostly unavailable. Just the most FRUSTRATING ORGANIZATION TO DEAL WITH. Will pay this off & be done with them to save me the angst their card is causing me.

I have had a Credit One Visa for 2 years. I started with a 250 credit limit. I immediately up an online account which was challenging. Upon successfully completing the setup I linked my bank account. This was all in the first 2 days of being approved. I have been using and paying the bill online since approval and to date have had 1 issue with their site being down. I always pay early so this was not a problem, I was still able to pay by the due date. After about 4 months I received a modest Credit increase, then another in a few more months, and again several months later. At some point the yearly fee was changed to a monthly fee which almost made me late as I had a zero balance but was charged the monthly fee that I was unaware of.

I've had a Credit One card for years so I know how they roll. They charge me 8.50 a month just to carry the darn thing. So like a fool I fell for their latest scam. I got a offer for a second account. Offering no fee for a year. Man o man was I scammed... They just congratulated me when I called questioning why they charged me 60 bucks for a card that was supposed to be fee free. Here’s what I was told… “Congrats instead of paying once a month we charged you the whole 60. See now you don't owe us again for a year.” WOW wasn't that just so nice of them? BEWARE! That no fee scam offer they are sending out is a lie. Also if you accept it remember they are still charging you that 60 bucks whether you use the card or toss it in a drawer for a rainy day. So don't forget to make a payment on that no fee for a year card. Pure and simple entrapment.

I applied for the Credit One card because I thought it was a Capitol One card. They requested I send them a copy of my social security card and driver's license. I wasn't comfortable sending a those over the internet. So I decided to do a little research on the company and it didn't look good. So I never sent the stuff they requested and I never received or activated any card. BUT THEY STILL BILLED ME! Claiming I owe them $100. I've called several times and they say they'll take care of it. But they never do. It just accrues more late fees. Last call today they told me to call back later. This company is a sham. I recommend don't even fill out an application because you will be billed for it. I don't understand how it's even legal to do what they do to people.

I am absolutely not able to speak with anyone from the company. There are 7 numbers listed, and none of them ever being answered. No email whatsoever. What's wrong with simple communication with the customers!

Received the Card and did not activate the card till 11/5/17. As of 11/28/17 they are telling me I'm 11 days late on my first payment. I have been unable to sign up on the website. It is never working. When you call to speak to a representative it hangs up on you. They tell me they mailed me my statement and I have still not received one. They tell me they emailed my statement but I am unable to view it because it won't let me create an account. They want to charge me a $25.00 late fee and $9.95 to pay over the phone since it looks like they make it impossible to pay your bill any other way. THEY NEED TO BE INVESTIGATED AND SHUT DOWN!!!

Wish I could give them a zero! They call up to 10 times a day! Their fake card does not work. I called a couple months ago to cancel. They tried shaking me down for $138.50. Claiming annual fee plus service charges. Talked to some incompetent foreigners who shunted me to another supervisor who was foreign. Wasted almost an hour. They want your last 4 digits of your SS #. Supposedly cancelled and foreign guy would waive/drop all charges. Yea right! For past few weeks getting calls from my local area code. They don't leave messages. Answered today to get this resolved. Foreign dude named ARSON; Can't make this stuff up, tried shaking me down for same $138.50! Told him not paying. I already cancelled. He then threw me on hold with bad 80's music! Holding for supervisor. Of course supervisor line busy. So Arson gives me number to call with Pacific time hours. Asked Arson to e-mail me number. They can't do that. STAY AWAY!!!

Every month my account gets further and further behind. I had to make only the minimum payment on the account due to some money problems I was having because of a mistake with paperwork the state made and it's taken me 3 months to fix it. Now my account with Credit One bank is almost $200 over my credit limit. How are you suppose to pay off a card when you're obviously getting overcharged fees every month. Also whenever you make a payment with your debit card they charge you $10 just to make a payment? That's an extra $120 a year they are charging you to pay them. How does that make any sense? I just want to shut this card off and pay the thing off.

My experience with this card was good. I paid my bill every month on time, received a credit line increase after 7 months. Also got cash back, (only 1 percent) but every little bit helps. If you pay your on time and don't bounce checks payable to them you should not have a problem. My credit score increased 52 points over 6 months.

There is no need for me to write a review, read the reviews that have been posted and believe them. To add it is the only credit card company that does not accept automatic payments (RED FLAG) and you cannot contact via email (another red flag) most likely so there is no Text/paper trail to any communication. I cannot believe that there has not been a lawsuit filed against this company. I’m sure the lawyer would be able to make some money. I have been trying to contact them for 2 days to close my account, website shows 6 different phone numbers and called all 6. Got the same menu choice on all 6 and not able to get a real person. I understand it was Friday and now Saturday but "customer service" list available hours, maybe the two employees are out to lunch?

This credit card company is an absolute nightmare! When I received the pre-approved application in the mail, their logo looked exactly like Capital One and since I was trying to rebuild credit, Capital One is a reputable place to start. Needless to say, when I received the card in the mail and took a closer look, it was NOT what I thought it was! However, I thought I would give them a try. But after I received my first statement, I realized they were charging me daily fees and interest. I paid the balance immediately and called to close the account.

My husband had applied for this card about 2 years ago when we recently moved to a new state knowing we would need a few essentials before his first paycheck. I kept receipts as I do for everything for taxes, and my own records. I attempted several times to set up online account access as to make it easier, and even called their customer service line SEVERAL times to assist in this process, but to no avail. I gave up and chose to wait for my paper statement in the mail... NO SUCH LUCK THERE EITHER. I would pay weekly on the card for what my receipts said I charged. When my husband's job came close to ending, about 6 months after receiving the card, I called and updated the address to mother-in-laws back home. After that move, and one more a month later, we still had not received a bill.

Cancelled account with balance. As soon as you cancel account you can not pay online. Must mail in payment or pay by phone with an additional 9.95 charge. Not explained when you open account. Very hard to cancel account. Would not deal with this company for anything.

I'm a customer. I'm a Credit One. I'm so disappointed to you. You guys are the worst one and is worse company of business card customer service online service. I give or I don't know how you guys couple years after. What is a problem after problem you guys don't result anything. Always charging me money for everything. Thank you for nothing. This is my rating. You are the worst one. You are the worst one.

I have tried to pay my bill on their website since I have had this card. I pay almost ALL of my bill online. You can't pay on their site! I have changed my password and username several times- no luck. I call them- you can't get a person. They want to charge you a fee to pay through their automated system. NO real person = no one to grant you a free way to pay by phone. I wish I had researched this bank ahead of time. I am going to get rid of this thorn in my side. So that is why I am posting this. I don't want others to go through what I go through each month. This is a horrible credit card.

DO NOT USE THIS COMPANY - I opened an account to establish credit. I was told that every year there is a $75 fee to have the card. Instead they started charging my card a $8 monthly fee for the use and I received NO notice. Then after a few months they demanded I pay a late fee of $35 dollar each month the $8 was not paid! I asked them why they didn't ask or notify me of the change from the one fee of $75 a year to a $8 monthly fee to have the card. They told me the contract allows them to make changes to the fee as they wish. I paid and closed the account, but I do expect more issues. The customer service is in India and they act like they don't understand English and understand what you are asking. It took several attempts to get a manager to close the account also. JUST DON'T SIGN UP!!!

THIS CARD IS BAD NEWS! From the beginning I have had so many problems. Making a payment is crap. They said payment accepted to find out later they rejected it and did not notify me so while I'm think payment done it was rejected. Then by the time I make another payment it was late and the sites are always down or suppressed??? I HAD TO GO TO MY BANK and get a letter that they were actually my bank and send it in the mail before they unfroze my account. They wouldnt let me make a payment over the phone. They just said I have to verify my bank and until they receive it in the mail they cant process my payment. They also want to charge for taking a payment. They charge $100.00 annually for a card without you knowing. I was trying to rebuild my credit and this card is actually dropping it. I was also warned it will lower my score if I close it. THIS CARD IS A FRAUD!!! RUN RUN RUN!

I am very disappointed with the way they do their business. I have 4 other credit cards and they do not charge the annual fee until the end of the first year. First year is usually free for most of the banks, but this bank just wants to take money from you from all the possible ways. I was charged the annual fee in the first month's bill itself which I believe is very unfair and unacceptable. They really need to work on this and make their business more customer oriented and customer friendly rather than just being money oriented. I am pretty sure there is more than one reason for this bank to consistently maintain a very well deserved single star rating on Consumer Affairs' web page. I would never recommend anybody to go for this bank!

Horrible service... Garbage bank. My credits score decreased up to 40 points just for opening account with this bank. I have applied credit card to make good credit score but while opening the account they do hard inquiries which affect on credit scores (TransUnion: 40, Equifax: 46). Moreover, this GARBAGE BANK charge $75 for their horrible services.

I received this credit card a few days ago. I attempted to make a online payment today and I was unable to log in. I attempted to call ALL OF THE PHONE NUMBERS listed on my card, and the website, and ALL OF THEM are saying disconnected or a busy signal. How do I prevent any serious damage to my Credit?

Lots of things wrong with this company. Their annual fee of $75 was not disclosed on the initial offer. Only four payments allowed per month. Takes 10 days for a payment to reflect in available credit.

I wish I had read the reviews here before getting this credit card from Credit One Bank. I, too, paid an enrollment fee. I didn't realize it at the time and was able to make my first payment online. I paid off the card and was going to close the account. When I called Customer Service to close the account, I spoke with someone who could barely speak English who convinced me to keep the card -- they would credit my account $25. And they upped the limit to $400. Tonight, I tried to get online to make a payment. I could not get on. I set up my online account over and over and kept getting a prompt telling me my password or username was incorrect. I had printed off the access information, so I KNOW I was using the correct username and password. And I tried both Chrome and IE.

When my mom first got her card, she hadn't used it yet and we were in the grocery store walking around when she began receiving phone calls. She finally answered it and talked to a woman for about 10 minutes with the woman telling her that her payment was past due and she needed to make a payment over the phone. When I found out what was going on I told my mom to hang up as I remembered that she had received mail from them the day before which happened to be her bill. She ended up getting off the phone and not even two minutes later the same woman called back and kept telling her the same thing. When we got home I got my mom's mail from the day before which had the envelope in it and when we opened it, it showed her payment wasn't due for another 2 weeks.

I rate Credit One Bank less than one star. They will scam you out of money and charge you a monthly and annual fee even if you never use the card. So in the long run it ended up hurting my credit score instead of helping it. I had no idea I had two separate accounts and had a late fee. So needless to say paid what I owed which was ridiculous and cancelled all accounts with this scam of a bank. You're better off not having any credit cards than having one with this outfit. Beware!

It is not good at all or transparent this card or bank. Listed several of its many deficiencies: 1- You are going to pay and they ask you for a charge to post your payments before or free and it takes 6 days... 2- For the increase of the credit they invent a rate of what they want... 3- Charge a charge of 60 usd for the mobile app and to top it off if they have annual payment and if something happens to you the payment in one day they burn the phone in calls. I do not recommend it at all, I give a star because there is no other, so it costs me what it costs me in my credit. I close it.

I spent the first 10 years of my career working for the credit card company MBNA America so I know credit card policy and customer service quite well. I can truly say this is one of the worst companies I have ever dealt with. The product is for high risk borrowers and is used as a starter or rebuilding card. They are fee happy and the APR’s are insane. I took a card at a promotion and it was a huge mistake. I have had the car for 4 years and not once have I ever been late or maxed out the credit limit. Well, this fall brought hurricane Irma to Florida and forced us into a temporary living situation for a month. We had to open a new banking account and this card and its $85 balance went 2 days past due. I called Credit One and let them know we would be paying it off as soon as the new account is set up (about a week). They said no problem and waived a late fee and said there was no payment due to November.

ON THE ADVICE OF LEGAL COUNSEL - Under the guidance of my legal representative I am presenting this document with the intention of presenting evidence in a court of law. It is unmistakably obvious that your actions regarding my account are either the result of your reckless negligence and unmitigated ignorance of how to run a company; more than likely, a well-organized, conspiratorial, fraudulent attempt to extort of funds with no moral or ethical compass and no sense of dignity or liability. I AM AN ETHICAL AND HONEST MAN!!!

I am going to stick with the facts of my issues and concerns with the Credit One Bank. On Monday, October 16, 2017 I received an email from Credit One confirming the address change to my account. Red flags, I didn't make any changes. I immediately called into Credit One Bank told them about my email I received and the address change. The representative started to review my file, she looked into a few things and also went through my charges. She indicated someone called in over the weekend and made the address change. I immediately said, "It was not me", she didn't provide me with the new address but indicated she would place a hold on my account and I needed to verify with my family member who is also on the account. I made a quick call and verified there were no changes made by us and called back and talked to another representative who went into a little more detail.

10.27.2017 it is now 11:41 AM. I have called this business over 4 times. Every single call was a new answer. The Bill is due the 24th. I had attempted to make online payment 10.23.2017 but was returned to "insufficient funds" (which I have my statements and is inaccurate on their end). But ever since August when they tried to "verify" my bank card that I have been paying with since I FIRST got this card over 2 years ago their "small deposits" were not going through to my bank (I never have this issue with any other credit cards I have or any issues with my bank). The 25th was not my first time calling in and making an over the phone payment. When I do complain they wave the fee. You would think ever since they've been "trying to verify" my account they would notice something on their end was wrong or they would try to fix the situation instead of just trying to avoid it.

This is the only credit card account that I have out of 8 that charges $25.00 or even a fee at all for a card replacement after a name change (mine being due to divorce). That seems absurd to me. I would understand if it was because I lost the card or it was damaged due to my error but not for a name change.

I paid off this credit card and the moment the payment cleared my bank they suspended my account, claiming the payment was too large and I needed to provide a verification letter from my bank. The payment was less than $1000. I paid off two other cards with higher balances yet this was the first and only one to claim this none since. And they do not have a legal department. I believe it’s time for my attorney to take action.

I received my Credit One card in August. I used my card the same day and was declined so I called. They told me I had a fraud alert and I needed to send my ID and As number in. I did just what they asked and now when I call they never have my information. I don't believe them. Before I was approved they already needed further information. I'm going to call fraud department today and I'm not getting off the phone until someone give me answers to why is my card still locked.

I received a pre-approved credit card offer in the mail to my home address. Applied for card, received approval, and received card in the mail. One day after receiving the credit card I got a letter from Credit One indicating they need me to submit a copy of my driver's license to verify my address and that my card had been blocked until this info was provided. ** - YOU'RE THE ONES WHO SENT ME THE OFFER!! AT MY HOME ADDRESS!! You KNOW my address. So I called their customer service number.

I have been with this company for about 2 yrs now... And had no real problems with them, until now. I recently joined with a new bank (how I usually would pay my credit card bill). I must have input the account info incorrectly so my credit card was never paid (I assumed it was because I had it automatically taken out of my bank account) so when it time to make payments again I called to verify information with one of the Credit One representative and they assured me I updated my account information and funds would be taken out.

Be aware when applying for this card! It may say that you have a $300 balance but you actually have a $225 balance. Be advised that there is a monthly $75 "monthly annual fee" that comes out off the top which has you paying more than you use. I'm making my payment and canceling this card. Please choose another company!

One day I started getting calls from my vendor stating that my payments were not going through, as I use this card for my business and advertising. I went to log into my account and was not able to. I called the horrible customer service line for help. They would not listen to my story. They stated my account was blocked because hackers tried to pay my balance back up and it was declined too many times. With a completely different account than I have ever used or a checking account from a different person. My account was disabled, not because it was hacked, but because hackers "tried" to pay my card balance back up with another stolen card too many times.

They say no annual fee, but it's not true, it's $100. Charge lots of fees, horrible customer service, never increase credit even though you've made every payment and pay off balances. Unless you HAVE to get this card, I don't recommend it. It only helps your credit if you only use 30% of the entire amount available and you pay it off every month.

After dealing with Hurricane Irma in Florida we called Credit One Bank on September 30th, 4:06 pm to request a grace period for extension of payments as we had loss of power for 2 weeks resulting in income disruption and unexpected costs. On that day a Credit One Bank representative told us that the company will allow for a grace period and that no payment will need to be made until November 9th and no late fees will be added.

A few weeks ago I noticed my card had been compromised so I called them to let them know of the fraudulent charges. They sent me a new card and they did remove SOME of the charges but not all of them. The charges had amounted to well over $100 but they only credited me for $60. So I logged in (a feat in itself) to review all of my past statements. Of course, the website will not let me open any of my statements. It will "say" that I have but their site will not let me open, view or print any of my statements. Today I called to find out how I can get copies of my statements and was told I would have to wait until November because my account was new. I have never in my life heard of such a ridiculous response as this. They really should give the people in India better excuses. So I asked her if she could email the statements to me and, at first, she said she could.