Credit One Bank Reviews

This is the worst credit card I've ever had. To file a dispute you have to do all the leg work and it still takes 30 to 60 days for anyone to do anything about it. I've contacted the office after submitting everything and it's 30 days later and have been told no one's contacted the merchant. In the meantime my credit score is lowering and I'm incurring interest charges but the company can't do anything about it. I would not recommend this card to anyone. They are the worst and customer service has no resolution to your problem. Please do not do business with them. If you want a car do not go to Credit One banks.

Watch the letter they send for confirmation... On page one it shows $0 annual. I just turned it over and noticed there is $75 annual fee. When it said 0 on the front I just looked at the APR. After I saw the $75 I tried to call them. Took a dozen tries to get someone to talk to and as soon as I said "cancel this card" all of a sudden they couldn't hear me. Call back again, finally someone with very broken English. This was a job but finally got it canceled. Never again. Get out the magnifying glasses and look it over real good. Just stay away from these people is the best thing to do...

This card is a ripoff. They gave me a $500 limit and charged me $75 annual fee. I paid the fee the first year then they started charging me $8 per month for the fee. I wasn't aware I had a balance as I had not used the card. They then added a late fee and called me to collect payment. I tried to get them to remove the annual fee and they would not do it.

I was new to this country and mistaken Credit One with Capital One! Since I dealt with them I found that there are plenty other better options for you for the following reasons: They put a max of 4 online payments every cycle (no clear count of the number of your payments is displayed). No phone app to log in and manage your account. Once you pay on the phone they charge you $9.00 service fee (higher than most). I'm seriously considering to stop using the card and eventually close the account.

I have never experienced a bigger run around in my life in trying to close my account. Talk about high pressure!!! After having to get rude, the agent (who didn't speak English very well) said it was finally closed. It took forever. And conveniently the first 2 times, we were conveniently disconnected so I had to call back and start all over. The interest rate, monthly service charge and customer service are all terrible! Stay away!

I have a platinum card with them. I have paid off my balance a few times. They increase my amount so I was late one payment because I paid it through my bank and it took alot longer than it should have. I received a call stating that the payment was late and as the lady is talking I pulled my bank account up. Gave her the date.

I had paid off my card on 10/20 when my bill was due on 11/2. They report to bureaus on 11/5. On 11/5 they stuck me with their monthly "annual" $8.25 charge and interest on my balance I paid on 10/20. The issue with that is they don't give you an opportunity to ever have a zero balance reported to your credit bureaus. There is always going to be a balance. I argued all the way up to 2 managers who told me it is Credit One's policy to always bill on the reporting day cycle so you NEVER have a zero balance. Unbelievable but true. I had asked earlier in the week to raise my $700 limit and they used the excuse my balance was too high at times, but they never allow you to have a zero balance unless you overpay before your due date. In one year I paid them $3700 in payments on a card with a $700 limit and they said no to a credit increase as well.

I have had this card 1 month and I wanted to check where it had been used. Tried to sign in to my account, but couldn't. I called customer service and they were of no help. She was rude like I owed her. So back online again the next day because I was so frustrated the first and tried to sign in and again I could not at that time they said. This card is like First Premier that I paid in full and canceled and this card will be canceled shortly. I blame myself. I felt like I should not have accepted credit from them. Hard lesson learned. Please people stay away from this card co.

I opened this account to build my credit thinking it was Capital One. HUGE MISTAKE. Run away as far as you can. I called today to close my account because I did not want to pay the monthly fees, no problem connecting. But, I ended up in an argument with a lady who could barely speak audible English. When I politely informed her that she was not listening to me, she then gave me a speech about how she does not own the company, she is required to do her job which is inform me (argue and not listen to me) of what they could do for me.

I've been trying to access my account online to pay my bill like I always do, but for the last month the website keeps saying unavailable. I call them and they tell me that my account has been closed because two payments, one in May and the other in October came back unsuccessful. Now, even though it came back unsuccessful, I made good on the payment before the month was out. The one in October was due on the fifth, but I paid on the 10th so they closed my account. They didn't notify me by email, phone or mail that they closed it. I would have never known if I didn't call them. I was calling them to make a payment today. They told me in order to have it reopened I have to send in a bank statement, which I'm not. I told them to send me paper statements and I will pay every month until it is paid off. The service stinks and there are so many hidden fees that I was not aware of. I will not recommend this company to a dog.

I received an approval for this card in the mail about a year ago, at a time when I was trying to build up my credit. I didn't really need a new credit card. I just wanted to open another line of credit to bring my score up a few points. I filled out the response and received my new card. Along with a bill for all of the hidden fees involved in activating the card. It was only then that I noticed that the card I had activated wasn't Capital One as I thought, it was Credit One Bank. I don't know how they haven't been sued yet for ripping off Capital One, but I'm certain that this is exactly how they trick people into doing business with them. I also don't know how this company is still doing business and is actually recommended by Credit Karma because I have felt from the moment I got my card that it is a scam.

Credit One bank is the worst company ever. I have always paid on time and actually I usually pay 4 to 6 days in advance. My payment is due on the 24th. This past month I was very sick but I signed on to make my payment on time just not early. Well, I get a notice saying my account was past due and that I now have a late fee. I really believe they began to think my payment was due earlier than it is because I have paid early every month. I called them right away and it took nearly two hours of them trying to strong arm me to pay for Oct and Nov and the late fee. I explained over and over again that I had made the Oct. payment and did not understand why it did not post.

I have a Credit One card. I paid it off and wanted to cancel it so I didn't have to pay the monthly fee. They made me run through hoops. I paid one payment with my savings account and the rest with my checking account the whole time I had the card. They said they would close my account but it would report negatively on my credit until I provided them with letters from my banks stating that both accounts were mine. I could NEVER get someone who spoke English and it was the most ridiculous thing I had ever heard of. Even the lady at the bank didn't believe me and called herself. After asking about 5 people for an American we finally got someone in Las Vegas and she stated it was the policy and it had to be done. Why we still don't know but it's absolutely ridiculous. I would not recommend this card to anyone. Horrible!!

Everyone has a different experience, but let me explain what happen with me. This company is by far the most rudest and cruelest business I have yet to do business with. Their customer service sucks! If you're very responsible and want to keep your credit score up and payments on good terms, do not open a credit card with Credit One bank. Please. They do not work with you in any type of situation. They ask for very very much personal information that you have the right not to provide. They asked for my bank information, every detail and closed my account and dropped my credit score and affected everything. I can't access online services because my bank information was wrong and never called me or sent a letter to let me know. Please be careful and do not rush to anything. I really like and enjoy services with Capital One. Very friendly and never had problems with Capital One. Thank you.

I was calling to make a payment in which I am charged 9.95 for in which I have no problem with. However the customer service rep. was rude from the beginning of the conversation to the end. I ask her at one point, "Why are you being so mean to me?.. I am just trying to pay my bill." She just got meaner. I could tell in her voice she knew there would be no consequences for her actions and I would just have to tolerate it. Did I mention they were charging me to deal with this rude woman. Well I may have had to deal with her this time but not again. My time with this company has ended. It's bad enough to have to pay to make a payment but to be treated poorly is uncalled for. They need to listen to their supposed recorded phone calls on this date November 1st at approx. 11am and hear how their rep. talks to their cardholders.

On Saturday, 10/15, I tried making a payment online but their system was down. I had a min payment due of $12.50 but wanted to pay most of the balance off, so when the rep came on I asked to make a payment using my debit card for $200. The rep told me the system was indeed down and he would have to use my checking account info instead. I gave him that and authorized the ONE payment from checking. On Monday, 10/17, I saw the money had been deducted from my account. On Tuesday, 10/18, I got another alert that the same amount had been taken out again! I called right away and was told I would receive a refund within 24-72 hours.

I applied for this card not knowing that it had a monthly fee. I canceled the card. I was still charged a monthly fee as well as late fees. I now owe $61.05 and never used the card. The company refuses to refund the money even though I never used the card and called to cancel it as soon as I learned there was a monthly fee. Beware of this company.

I applied for an account on September 7 2016 and got a call from their fraud department to verify that I applied because I have a statement on my file. Everything was approved the end of September. I got a letter asking me to send them copies of my ID social security card and proof of address. I faxed all this information to them on Sept 29th and called them and they said they received it and account was approved and my card would be sent. The site shows and sent on Oct 6 and I should give it till the 16 and if I don't get it call them.

Perhaps Credit One is reading these reviews and trying to change the way they do things? I am having zero problems with the company. In fact... I just got my first credit increase ($150). I don't quite understand the payment issues people are having? When you log in to your account, it shows everything you need to know to make a payment. You can choose to pay the minimum or whatever you like. It gives you a confirmation number once you submit the payment and posts immediately that the payment is in processing... Then the next day I always receive an email stating my new balance. If I go to my account, I can see the payment, date, and amount... and the balance and what can be used for cash withdrawals and so on. I'm not understanding the issues... Perhaps if people used the website and logged in to pay instead of mailing checks or using the phone method they would be happier?

This was the first card I applied to when re-establishing my credit. Don't waste your time, they will make it impossible for you to close the account when you build your credit and get better offers. I called in to cancel my card that I didn't use anyways, it was a nightmare. Finally after being on the phone for an extensive amount of time the woman convinced me to not cancel. She would increase my limit and waive the annual fee. Three weeks later I receive a bill with the annual fee and an additional $10 limit increase charge, that I never asked for in the first- she offered it to me to not cancel.

This "company" is a joke! I've talked to a representative multiple times and always have a bad experience! I've never had worse service! I've been trying to set up an online account so I can pay a standard payment. The other option is pay nearly 10 dollars for "express payment." There's no reason for that! Either server is down, it won't let me add information, and other issues that prevented me from paying. I called them and instead of regular payment they only would take express payment with my debit card. I told the representative that I wanted a mailed out bill and I would pay then. Currently I am overdue, because I had lost my card and was waiting for my new one and he started threatening me about my overdue account and if I don't pay today they would come after me. This "company" feeds off lazy and or naive consumers. I will be paying this card off in full and closing the account, quickly!

If I could give this company zero. DO NOT GET A CREDIT CARD WITH THIS COMPANY!! I was sent one in the mail and activated it. I got more in late fees than using it. Their late fees are $35. They will not work with you. I have hidden fees every single time I make a payment. I am on the phone with them right now about some fees and one person transferred me to a department and I got hung up on. I keep getting hung up on. I have not used the card in over a year and yet still am over the limit. I cannot stand this company. Worse customer service in history. Save yourself the trouble and go with someone else, Capital One is a good one.

Wow what can I say... BAD BAD BAD!!! Bad service, Bad accounting, Bad People!! Long story short I paid off my balance followed it up with a confirmation letter and had a ZERO BALANCE. Then I get a bill for a CREDIT (I overpaid) then another bill for the interest and fees they deducted from MY CREDIT BALANCE! IS THAT EVEN LEGAL??? Every time you try to call them they put you on hold then hang up! DO NOT GET A CREDIT ONE VISA OR MASTER CARD!!!

I had a Credit One card for several years. I opened this card when I was young to establish credit. I have always been VERY responsible with my credit and have NEVER made a late payment in my life. This past January, I came into some money and decided to pay off my balances on all my credit cards. It wasn't much, but it felt nice to be debt free. I made one lump payment for the total balance on my Credit One card and never heard from them again. Then two days ago (October) I received a notice in the mail for a collection agency stating that they had purchased my debt of $345 from another debt collector. I traced the original debt back to Credit One!

I've had my card now for about 7 months and I have no complaints. My credit score has gone up and I've received a credit limit increase. It seems that people forget that the reason they have this card I said because they had bad credit to begin with. You can't expect to have horrible credit and get a Gold card from anyone.

I mailed a payment into your company the first of the month and I was sure the payment had been made. On 18 October I got a call and was told that I hadn't sent in my payment and was asked to make another payment which included a late fee. I checked my statement and found out that my check had been cashed the day before the call was made. I am very dissatisfied with the way my account was processed. I want to know how are they going to correct that error and to make sure it doesn't happen again.

I have been with Credit One for over 3 years! I would always get the notice when signing in my account "sign up for paperless statements". I usually just stay on paper statements and write down when they are due. Well I signed up for their paperless statements. What a joke! I get an email saying your acct. is past due. I called them up and asked, "Credit One doesn't send the statements to your email like every other company?" They said no! (But they will send you an email saying your past due.) You have to log on your acct and look at the statement. What's the point of paperless? I don't know about the rest of the world, but I don't sit around thinking about my credit card payment. They charged me a late fee. I just don't think it's right to do business like that.

We made bad mistake opening a credit card account with this bank. The reason - they seem to impersonate Capital One Bank, where we do the majority of our banking. Same logo, same font - we thought we were opening a Capital One, not a Credit One, account. My wife used the card a few times but there was no further communication - no PIN number, no statement, no letter - nothing, not like Capital One at all. So we visited the local branch of Capital One (very helpful and friendly staff). They said "no, this is CREDIT ONE who are well known for copying Capital One." We contacted their automated phone system - we had already been charged $75 joining fee and were already charged $25 late fee (we were already late despite receiving no statement). I phoned them to pay in full immediately, using their automated system, and was charged $9.95 for the pleasure.

I too wasn't paying close attention and because the logos are almost identical I thought that this was Capital One as well. They have very high fees for everything and their customer service is terrible and sends you in circles making it difficult to solve any issues. The last straw was when I realized that even though I wasn't using my card there was a "membership fee" which I wanted waived. I told the woman I wasn't going to pay a fee that I would rather cancel the card - went off a little on her, a little on the shady dealing that this company has displayed and she hung up on me.

These people and this company are a utter and complete joke. I got this card to attempt to rebuild my credit, but have had nothing but problems... When I withdrew cash with MY pin # from an ATM machine within days my card was blocked for suspicious activity. When I called and questioned it, I was told the block would be removed shortly... shortly was 4 days... no access to any $$$$$ that I just paid on my bill. Called yesterday to check my available credit limit and it was 44.00. This morning my credit limit is 0.00 even though I haven't used the card in days.

I am always annoyed at trying to make a payment to these people. I can never understand a word they are saying. They constantly have hidden fees that they charge you for. I keep this card for emergencies ONLY!!! It has no rewards to it at all. I would not recommend it to my dog.

I had a card with Credit One for about a year that I was keeping a low balance on to help build up my credit score. I didn't have any real issues with them until I had to get a new bank card. I went to pay my balance off on my credit one card and forgot to update to my new account information. They almost instantly locked my account. When I called to try and get the account unlocked they wanted me to jump through hoops claiming that I had sent a payment from an inactive account on purpose and that I needed to validate my identity. While dealing with this they added fees for failure to process the payment and for late fees since you was unable to access my account. Then they sent my account to collections. My $50 balance is now $360 because of mistake that they refused to resolve.

This company is absolutely a scam! Over the last six months, I have not been able to access their website. I've tried multiple, different, updated browsers and computers. Even the email links they send with billing statements do not work. Of course, you can pay over the phone for a $9 Dollar charge or by check via mail. Honestly, who uses checks anymore? Almost every bill I pay is over the phone or on the internet. I truly believe this is their way of making more money off late fees. I've called the customers service over a dozen times. When I can actually understand them, they are little to no help. Luckily, I just paid it off and cancelled it. Don't waste your time people!!!

Received a preapproved offer. Never received card. Called. Card sent. Activated card. Registered card online in order to pay and have access to info immediately. Went to account page where it said due date was Oct. 19. Saw limit. Saw balance. Never used card. Called to see why credit available was 0. Spoke with a service rep who informed me that the card was never activated. How, pray tell, could I receive information via the automated service regarding the account if indeed it was never activated? Rude responses. Sounded fishy telling me to disregard balance. Hmmm. Got a gut feeling that something isn't quite right. And what's wrong with having someone working for customer service that speaks plainly and clearly?

I called the company 16 total times to pay off, close account, get a refund of my 600.00 security and was hung up on 100% of the time. On 10/21/2016 I called the company from my phone 14 times, my boyfriend's phone twice. Each time I was hung up on. The first 5 or so times I thought it was a problem with the connection. After, when I spoke with a man, explained I wanted to close the account, he pretended to transfer me to 3-4 so called managers even though it was the same man each time. He finally transferred me to a woman named Michelle who said she closed my account after asking me if it was ok to charge my bank the 52.20 remaining on my account.

I applied for a Platinum Visa from Credit One Bank. I was approved September 22nd 2016. Today is October 20th 2016 and I have not received the card yet. Credit One says that they sent me a card. I did not get it so I called and they said they sent me out another card. I did not get it. I explained to the company that I just wanted to cancel. I didn't want to. I didn't want the card so they told me that if I cancelled or closed the account they will report it to the three major credit reporting bureaus. I need some help. I do not understand why would they say I have an account that's open that I never received a card to activate or to ever use. Could someone with information on who to contact send me a response.

Quick Background, declared bankruptcy (Ex-wife racked up some major debt in my name) and now building credit. When I applied, I was living in CA then moved to AZ shortly after and I called to have my address updated and to activate the card. After, I tried 2 separate times to use the card (gas and fast food) and it was declined both times. Called again and every time someone with broken English skills, which is a clear indication that their customer service has been outsourced to an outside country. I told them my address again and they said they updated it again but this time they said my last address updated was in AK... I have never lived there or even been there. This goes on for over 5 hours calling 9 different times and finally I just reached the tipping point and had the account closed.

I receive my Credit One bank card about a month ago or so. I noticed that there was more transactions done my card then come to find out that I kept on calling them day by day and they are saying that they don't understand why this is happening and it's not showing in the computer system it was happening but it is showing in their system using my card. I come to find out that I used it in the morning but then I look at my card at night and then I see the same charge on my card again which I didn't use the card later on that day.

I originally obtained this card to help rebuild my credit history. After a couple of years and with my credit score now in the high 700's, I asked if I could possibly have the monthly service fee stopped. They refused, but offered me a higher credit limit. I refused that offer and then noticed that not only was I being charged a monthly service fee, I was also being charged interest on transactions, even though I was paying the balance off at the end of each billing period. I attempted to cancel the card, but ran into agents who barely spoke English and extremely long hold times. I finally used a third party service and they were able to get the card canceled. I just now checked my online statement and find that I was charged interest on transactions for the last billing period, even though the statement shows a zero balance and zero transactions!

I used my mobile phone to make my November payment about 10 days before the due date. I was surprised at first by a new mobile website and continued with my payment. Hit the submit payment button... and, back to the home page. No payment confirmation number or anything. Anyway, about 2 weeks later I have a past due email. I call them to make the payment because yet again I wasn't sure it had posted. She tells me they have not received a payment. So, I asked to make the payment over the phone. She tried to charge me a $9 convenience fee... I said no way!

Someone opened a credit card in my name. When I received the cards I did not activate them but shredded them. Then I received a bill from them. I called and told them that I did not apply for the credit card. The manager closed the account. 2 days later I get 2 more cards with different #s thru fedex. I called Credit One Bank again. This time she closed it and gave me a # that was suppose to show it closed. She said she put a fraud alert on the account. The next day I receive a letter from credit one bank saying they received my change of address. I called again. This time they told me that they credit one sent out new cards to the address in Florida, but that "they would not be able to charge anything on the cards. We even put a password on the acct."

The worst customer service! I called today to get some account information and was not prompted to speak with a representative. I was not given an option to connect with a representative, I was finally connected when I did not select an option. The representative that I finally spoke to was not helpful with my questions and finally hung up on me. I suggest if they want to keep their customers they should work on their phone etiquette and actually listen to what their customers are saying instead of talking over them and ultimately hanging up.

I made a dispute on my account for $200 that I paid a Charter school for my son's registration fees. Two weeks later I found out my son wasn't going to attend the school so I asked for my refund. The school told me it was nonrefundable, I said no one told me this nor is it on any of the documents I signed! They couldn't provide me with any proof of this nonrefund rule. My son mother then went up to the school in which she was informed that my son was NEVER registered, they also don't have any paperwork or receipts of my payment. So I called Credit One to dispute the charge. They told me they have to do a investigation, ok fine... A month goes by, I call them back to see what's going on with it. I was told my dispute was complete and "a refund of 200 will be credited to your account within the next 30 days." Well 30 days pass, no refund!

Credit one bank is the worse of the worse. First it took them 35 days to send my card then they suspended the account stating there were fraud charges on the account. After I explained to them that I made the charges, they reissued me another card but, they transferred the charges to the new card, said there was an investigation and I should hear something within 30 days. Now I'm have a card that I can't use and no one within customer service have a clue about what they are doing. I wouldn't recommend this to card company to anyone even if their credit score was a negative 0.

I got a letter the other day saying that I was pre-approved for a card with a $1500 limit. Thinking it was capital one and since I have accounts with capital one I was like sure guess I will apply for this new card. When I looked for the website I noticed that it wasn't a straightforward site that says what brand card it is. I went to capital one and clicked on the pre-approval section so I could apply that way. The first thing I noticed is that capital one is 16-digit code while this back is 12. As soon as I seen this I only noticed that it actually wasn't a capital one card or any company that I have ever heard of before. Just would like people to realize it's not capital one like I thought it was.

I paid this bill in full twice. Each time they said it "didn't process". Then I realized the real reason is they sell the debt to their associated company and collect a higher interest. This is only legal in NV and a few other states. Really screwed me over. Then I try to pay the collection account and I keep getting hung up on. MY next step will be a lawsuit. Forget the fact they misrepresent themselves and Capital One.

I had used the Credit One Visa in Dallas to check into hotel on 10-3-16. I went online to make sure the hotel and refunded the "incidental hold" they put on card. When I saw my balance of my card was almost $600.00 I knew something was wrong, because I hadn't used this card except to check into hotel. I looked at recent and pending transactions (this was on 10-10-16) and saw numerous pending transactions for Uber in San Francisco and WEPAY in Palo Alto California and several other suspicious charges. I immediately called the lost and stolen card number and talked to a representative to inform him of the fraudulent charges. I found out from this phone call that someone named Francis ** had been able to increase my credit limit, add themselves as a secondary card holder and change my mailing address to Florida. I was floored. I had never received a call about all these changes my account and they allowed it happen!

I have 2 cards through Credit One Bank (MC and Visa). I just recently paid off my Visa card. I used a different account to pay the balance and of course they took the money and applied it to the balance. Now my account is blocked. Said they needed to verify the bank account was actually my account. So I sent 2 letter from my bank showing the account were verified and accurate. They still refuse to unblock my visa because they can't figure out whether they have the letter or not. NOBODY knows anything. I have talked to supervisors (well at least they say they are). They can't back up anything they say. Said it was policy to ask for any documents they wanted. I asked for the policy, and go figure they couldn't produce it!! Shocking right!! Amazing they treat customer who pay off the balances this way. HORRIBLE, HORRIBLE customer services and they never seem to know what is going on. NEVER AGAIN will I use them.

I only applied for a Credit One card to help fix my credit while providing emergency cash. Everything was great. I check my accounts everyday so as soon as I saw a payment due I paid it. Never had a late fee and never overdrew my account. My credit went through the roof due to my new car note and other bills I made sure to pay on time. Since I now have solid credit I have no need for a high interest rate credit card. So what did I do? I paid it fully out and CLOSED the account. You would think that would be it right? Wrong!

Boy did I make a mistake when I got mixed up with this company. Credit One is a huge mistake!! For a month now, their website has been down and trying to contact customer service is a nightmare. I finally got through to someone two weeks ago and complained about the website not loading. First she told me it was my computer (no way) but I stayed calm and polite and told her I had tried their website on 3 different computers and it would not load. Then she tells me it's down for repairs? Come on... Anyway. I just got off the phone (for the 3rd time) complaining about the website and again I was told it would be back up and running in 3 to 5 business days. I then told her, "that's what you told me 2 weeks ago"...

I have never written a review before... but I was so mad at these people I am now writing my first. I initially signed up for this card as a credit builder tool. Wow! What a bad choice. When I was done with it, I tried to close it out as it continued to charge me various user fees. So lucky me – I get to call their supposed customer service department. After nice long holds I had the pleasure of speaking to the customer service team Credit One Bank has so nicely outsourced to the Philippines. And man, does it ever show. I had to spend 2 hours over the course of three different phone calls to finally get the account closed correctly and the incorrect fees waived. When I finally thought all was solved... I get a late balance overdue notification in my email. Are you serious!!!

I have received the worst service in my life because Credit One Bank closed my account based on a mistake they made. I want to maintain my account closed and I do not want authorize it reopened again. Reasons: They made debits two times from one payment. I asked for my refund for one of them, and in addition they asked for late fees for a payment that I already paid plus charging interest for that and they still said I have not paid. The persons attending the call transfer the call from one person to the another without resolving anything or hang up on me.

Credit One charges my Visa and MasterCard accounts $8.45 per month. When asked what the charges are for, there is NO clear explanation. I had paid off both cards. Next thing I'm getting phone calls about a balance due and a late fee. Here is the problem, THEY NEVER SENT ME STATEMENTS that I had charges on my credit cards. I never used the cards and I am not paperless with them. I received paper statements when I did charge something. How in the world is one suppose to know there is a charge on one's credit card if they don't send you a billing statement? I have to call and BEG for a paper statement, then they don't send it and then they charge me late fees. TOTAL FRAUD. I finally wised up and cancelled both cards. YOU SHOULD TOO. My next step is the authorities to look into their fraudulent business practice.

I'm not understanding this company! I always send more than the minimum payment. Barely use it. I would go months without using it and still have the same available credit. The rep said the more you send the more the take out for monthly charges! WT... Then, I did the increase that was suppose to cost only $20 from a $200 increase. Not, true! I only seen $100 from that. Stay away. I hope it gets shut down soon. Worst company next to Wells Fargo credit card. This card sucks.

Every other creditor I have, I pay my bill and there is nothing else for me to do. With this company, you pay your bill and if you are lucky it will be processed. They do not do email confirmations. A prudent customer of this company should always call to double check the payment was received and get a reference number. You should also print out your confirmation page. And then check two days later to see if your payment is reflected online.

I recently received my Credit One Card recommended by Credit Karma. Setting this account up was a nightmare. Each attempt lead me to a cannot complete setup because; invalid username, invalid password, incorrect expiration date, etc. I then contacted customer support twice! The third attempt directed me to a barrage of consumer offers, coupons for a fee, a T-Mobile account and many more. I had to use a second phone to reach a representative, it then took many more attempts to set up this account. At this point I am totally paranoid to give this company any banking info, account num. even the name of my bank. I intend to visit my bank and with the assistance of a personal banker pay the small amount on this card off, canceling the card and putting a block on my account for this company prohibiting a payment of any amount. I can only hope I don't make a mistake like this again.

I don't even recall applying for the Credit One Bank card, but I have one. I have NEVER used it at all for anything yet every single month a new charge of just under $25 shows up on the card. Because I've never used it, it's locked up in a file cabinet and I've just about forgotten all about it. Yet very month, several weeks BEFORE the payment is due, they start calling me repeatedly, 8-12 times per day for a payment that is not even due yet. Maybe they are so desperate for my $25 that they can't wait until the payment due date? They promote the card as a great way to rebuild credit which confuses me yet again, because I have no need for that either.

I have been in dispute with Credit One since july. It is in reference to my account. Credit One states that I missed my july payment. They charged me a 25.00 fee, reported me to the credit bureaus as a missed payment and reported me to a collection agency. I have mailed them a copy of the check for 100 dollars. They state that it's under investigation, they been saying this now for a month. Have spoken to so called supervisors and had no luck. Would like a resolution.

This company will send you a credit card when you never requested one. They will ask you for your SS # and birth date even if you never applied for credit. Buyer be aware that this company is not honest in your customer service representatives that are calling from Asia. YouTube video explaining excessive charges explains it all.

I first heard about the credit card with an offer in the mail for $1,500 line of credit. Now, to be honest I did not read the contract word for word. When I got the credit card I got a $400.00 line of credit. I was not happy about that but I still wanted to keep the card so I can build up my credit. When I got my first bill I was charged for $75.00 and I have not yet made any purchases. WHAT!!! The $75.00 was an annual fee and my monthly bill was $25.00; can you say financial entrapment.

I have had excellent payment history with Credit one and they have increased my credit 4 times without me even asking. I originally got this card to reestablish my credit. It's been almost two years and I now have another credit card. Although I have received so many other credit card offers in the mail, I decided I would only keep Credit one and my Barclays.

I don't even believe that this is a legal bank. I got confused between Credit One and Capital One and opened an account with them. It's just hard to believe that they get through with that. They just have the same Logo Design which is totally deceptive and makes you sign up with them without even checking twice "a crime". I just realized after I was about to sign up for an online account, that this is not Capital One.

I had this card for over a year and recently need to update my automatic payment information online. I updated, but mistakenly put my credit union membership number in the field instead of my account #. I only realized this when I received a letter saying that my payment was rejected by Credit One. I immediately tried to go online to verify the info. I couldn't access the online Credit One account - a message saying my account was temp. unavailable and to try again later. This happened for a few days. I received a call from Credit One's payment center and they asked if I could make a payment over the phone. Sure thing! I gave them my debit card and it would not process.

This company closed my account with no notice after they took an additional payment out of my personal bank account, that I had to call and stop payment on to keep my bank account from being overdrawn. They said since I stopped payment, that was grounds for closing the account. They said they notified me of account closure and why, which I had never received any noticed. Never get to talk to anyone who speaks plain English. When asked to speak with supervisor or manager, all they tell you is they have telemarketer supervisors. I have had the account for 2 years with never any problems, account paid every month before due date. Have been a loyal customer. However this company does not care about their customers and steal money from them! Beware! Don't get a credit card or bank with this company!!!

Overall, I had a pleasant relationship with this card/company. The interest rate isn't great and they have a startup fee and an annual fee so once I had paid it off this last time I had decided to close it because I have two other cards with lower interest rates and no annual fees. I called to close the account and at first I was speaking to one foreign man who switched me over to another foreign man who (I ** you not) sounded exactly like the first one. As in, I'm pretty sure it was actually the first man who was speaking quieter because a few moments later he raised his voice and if it wasn't the same person then I'm really surprised.

I am trying to rebuild my credit, and Credit Karma had suggested I apply for a credit card with this company. I was approved for a 500.00 credit line, and was informed I would receive my credit card in 7-10 business days. After approximately 20 days, they sent me a letter stating my time was running out to activate my card. I called and informed them that I never received my card. They asked if I had put my apartment number on my application??? They had already sent me mail, which I received, so they were fully aware that I indeed included my apartment number.

I got a random ad for this cc in the mail about 18 months ago. Since at the time I was almost 20 and I was always pushing my TJ Maxx cc I figured I should have another cc. They started my credit limit at around 300. Then soon after randomly my limit went up to 550. I never made a late payment and in fact my payments were typically right after I got my bill in the mail. Meaning my due date was always on the 16th of the month and I would get my bill around the 26th of the month but I normally paid it once it posted via phone call though the auto system I called. This 75$ card fee I never saw but maybe since I was just happy for another cc I never noticed it.

When I opened this account, I didn't know that there would be a monthly fee to have this card whether I used it or not. That's my fault, I know, but trying to close the account seems to be impossible. I contacted Customer Service 2 times to close it but each time it remains open. I refuse to pay the monthly fee because I closed the account before I used the card but I'm still being charged the monthly fee. I'm also still getting emails from them that welcome me to Credit One Bank.

I got a preapproved letter in the mail and called the number that was given only to find out I was declined. I called to find out why and they refused to tell me over the phone. They said I would get a letter telling me why. Now what I don't understand is why I was approved in the first place. They should check credit before issuing a letter.

I had two failed payments within a week of each other. Not because of lack of funds but because the account # was incorrect. Credit One closed my account immediately. I was in Mexico at the time and went to use my card I had previously thought was just paid off. Turns out it was cancelled and that was somewhat disconcerting and a bit embarrassing. I called in to make a payment and to reinstate my account but they said I could only make the payment, not reinstate the account. Oh and they wanted to charge $9.00 for a service fee!!! What a bunch of crooks. These people prey on people rebuilding their credit only to try and make it difficult to do so. STAY AWAY FROM THIS COMPANY. They need to be shut down.

Both my husband and I each have a credit card through Credit One bank. It was very easy to obtain, and we thought it would help our credit. I received my offer for a first card, filled out the application online and it said the card would arrive in 7 to 10 business days. Okay 7 days pass, with no card in hand I received a statement for $75. I called and told them the card had not arrived, nor had I activated it or made a purchase. So they canceled that card and sent me a new one. In that process, I moved and over a year later still have not received the card, but still receive the bill. Back in April of 2016, my husband and I both receive an offer so we fill them out and my third card arrives on day 10 along with a bill. His arrives on day 7, no bill. I call to tell them the same process and they want to send me another card, I told them no. They didn't end up charging me (or us) the $75 until we activated and used our cards for the first time.

I misplaced my credit card. I called Credit One to see if there was any activity. Luckily there has not been! While on the phone with the man (who I could BARELY understand), he informed me he was going to send out a new one and charge me $25. I told him I did NOT want a new one, close my account. He insisted that I could call them back and have the $25 removed after I got my card. I insisted that he close the account and he hung up on me. I have tried calling every number to them back and they have blocked my phone number. I get a recording that "their offices are closed", even on the 24/7 phone number.

They kept sending me pre-approved letters. The 1st time I almost fell for it (I thought it was Capital One) when something told me to look at the back. When I saw the high percentage rate and all the fees, I looked at the front again. Ohhh. CREDIT ONE!!! I shredded the 1st one only to keep getting more. "You won't believe the credit limit!!!" They're right about that!!! After reading so many complaints I don't think anyone gets the limit they were quoted. I never responded to them because I was afraid they might try to open an account in my name. I finally went thru the "opt out" and haven't heard from them since. If they do you wrong (especially with your credit report) DISPUTE IT!!!

I had this card for 1 month when I had charges on it from Las Vegas stores. I contacted Credit One by phone and was told I need to put it in writing. Wrote it up. 1st it was denied, then I provided proof that I was not in Vegas and then they reversed it all. However, during this time, I did not have access to my online account and did not receive paper statements. Therefore, I made no payments for almost 3 months. Still showing on my credit! This company is a joke. Now my payment is not due until Oct 15th and they have called me already 4 times this morning! Just want to pay off my small balance and never use them again!

On Aug. 12, 2016, someone at Credit One Bank checked the balance of my personal checking account, and authorized an "Express Payment" of $809.95. My bank account had just over $850 in it at the time, and the bank stole the maximum they could without going over my balance. I was out of town at the time and only caught this fraudulent activity 4 days later - during which time I was bouncing checks like ping-pong balls.

I called credit one bank about my statement as I never received it in the mail for August 2016. I got a woman who barely spoke English and was yelling at me that I knew the billing cycle and billing information. I explained to her that I was paying my balance in full with a check and needed the statement to go with it. And she said that she would mail me a new statement but my bill would still be late. I said that I understood this but I didn't want my bill to be marked as late for something that they never sent me. And I didn't want it to appear on my credit report. This woman told me "not my problem. Is it?" She never let me finish a sentence and when I asked to talk to a supervisor that spoke English and wasn't so rude she told me that No one was available and I said there is no supervisor there.

I opened an account months ago and have been able to access my account online only two times. They say the site is 'temporarily unavailable'... They force you to call and make a payment so that they can charge you to make the payment, incur late fees and be unaware of your balances and transactions. Shady ass company!!!

It is interesting to read these reviews. I doubt no one. I, however, have not had an unpleasant experience with Credit One. I have placed two or three calls to this company, but I have never spoken to anyone who was not a native speaker of English--my account is about 18 months old. My interest rate is about 24%, though I would like to see it lowered. I have, on a couple of occasions, accessed cash at the same rate of interest. I was given a $400 credit limit, which was raised within 30 days to $500 without any additional request.

I have a credit card with credit one with the hope of building my credit. I get at least a half dozen calls every day including Saturday and Sunday from different phone numbers but I have caller I'd and know that it is Credit One making the calls. I am not past due. My payment of 50.00 is due on 9/28 and they should not be calling me before that time. My account as a red past due on it but 9/28 is over a week away. I have given Credit One's information to my attorney and if the calls persist the attorney will file a lawsuit.

On 09/13/2016 I called Credit One to make a payment, but since I had already made three payments within a month they said I couldn't pay until the 23rd. On the 17th I get an email that says I am over my credit limit so I tried to make a payment then but the website kept timing me out. I couldn't complete the payment till the morning of the 19th. On the 19th I also noticed Credit One hit my credit report for derogatory account. When I called Credit One after seeing this I talked to Eva who refused to allow me to speak with a supervisor. She was not the least bit concerned about the situation. Advised me to submit a letter to fix my credit hit. Not very happy at all with how they take care of their customers. I must say it is the first time I have had business dealings with a company that you have to fight to pay the bill.

I had an account in good standing for more than 3 years. This has been a hard year, my husband died, my household income decreased. I got current, then did not meet their minimum 2 months. Paid them something. Wrote them a letter with a plan to have them paid off with 12 months. Declined this 2 twice. They want over $1,000 this month. I owe $1400 ish. They do not make arrangements.

I applied for a Credit One card to help repair my credit and have been very happy with them. I'd recommend them to anyone looking to get a card with a low limit to start rebuilding or repairing their credit. As some others have stated before, I think the vast majority of people having issues with COB simply don't read the fine print. I had no surprises with annual fees, payment due date or the interest rate. Everything is spelled out in the application paperwork. I have had absolutely zero problems with this company. I have a feeling most of the people complaining here have little or no knowledge of how credit, credit card companies, and even personal finance, works.

I thought I was smart. But I guess not!!! I applied to this Credit One Company for a $300 limit. I received my card in a week. When I read the instructions, it stated there was a one time 19 dollar activating fee and a once a month 9 dollar fee for using the card. So my limit now was $272. I spent a 100 dollars so I thought my balance was 172. When I went online to check my balance, the message was "Temporarily Down". So I called the number in back of the card and hit 1 my balance and it said I had a 58 dollar balance!!! WTF!!! I went back online again and it was still temporarily down!!! I waited 2 hours and called back. I hit 1 again and now it tells me I am overdrawn by 52 dollars!!! WTH!!!

I filed a claim to dispute an unauthorized transaction of $1,251.05 knowing the credit limit is $300 which I was shocked this company even approved any over the limit transaction. While the dispute claim was pending, the company never ceased any reporting to the credit bureau and actually reported my utilization at 200%. This made my credit score dropped very low to the point I couldn't get approved for a home to rent. Credit One sent a letter, stated the charge is valid and closed the claim for some reason after I mailed them several documents confirming the charge was made without my consent.

I wish I had never opened this account. Over the period of almost 2 years they have paid on time, plus extra amount to improve my credit score. Two months ago I requested an increase in my credit. It immediately had me over my limit even though their company approved me. I was charged late fees. And trying to speak to their Customer Service Reps are one step from abuse. From the language barriers to extensive time waiting on hold only to get someone who barely speaks English. And now I am stuck with this bad credit card associated with this bad company. Today I spoke with someone about my account, he screamed at me because I did not agree with what's on my account. BBB needs to investigate them!!!

Credit One bank credit cards has to be the most ridiculous credit card company ever. They are such rip off company ever. They should be shamed!!! I can't wait to pay this ABSOLUTE RIDICULOUS CARD OFF. They make it so hard for you to pay your bill online and then if you pay it over the phone they charge you $9.95!!! I got this card to help rebuild my credit, but boy was I wrong. Worse mistake ever. It's just keeping me in debt with them (SAD).

I applied for this credit card and saw it was processing. I had to call customer service because I had accidentally submitted twice so 2 cards were pending. The guy at the other end of the phone said I will get my cards if I send them a copy of my social security card. I asked if there were other forms of ID I could use, and he said no - which was odd. I did take down the address. I was planning on reading the reviews and seeing if this was a scam before taking that step. The mailing address was not Credit One Bank, it was "Customer Service" and a PO Box in Las Vegas. I am definitely NOT sending a copy of my social security card to anyone.

I'm absolutely appalled by the reckless, ludicrous and downright inflammatory comments/reviews of Credit One Bank and their credit cards. For all intents and purposes, they're a relatively new company. I mean, who ever heard of them before last year? Every company, big or small, has to start somewhere. If that means hiring overseas (and NO, I do NOT like dealing with thick accents or scatterbrains), then so be it.

I made 2 payments in August. My payment is not due till October 2nd. They have called me 4 times asking why my payment is late. This is only September 12th. DO NOT GET THIS CARD. THEY ARE A RIPOFF and they will harass you even when your account is up to date.

You haven't even made your first purchase yet, and 2 seconds after activation, YOU OWE THEM $75.00 and then a monthly fee thereafter? If you could afford to give away money, YOU WOULDN'T HAVE A NEED FOR CREDIT!!! This type of practice is ABSOLUTELY OUTRAGEOUS!!! The BBB or Department of Consumer Affairs need to step in and put a PERMANENT END to this type of business practice. I am going to cancel this account immediately. Although I will still be responsible for this $75.00, I will pay it, and will NEVER, EVER answer another offer from Credit One Bank.

I received an offer in the mail and was really excited because I thought this was CAPITAL One! I have two cards in good standing with Capital One so I thought that I was receiving another offer. I logged into the site and IMMEDIATELY realized that this was NOT Capital One. I was somewhat disturbed by that, but did not listen to my gut. I was approved for $400. Ok. Whatever. I should receive a card in about 14 business days. Well, I never received the card. Then out of nowhere here's a bill for $75 for the annual fee. I contacted them and an unfriendly customer service rep, with an accent, told me how many days it takes for the card to arrive. I explained that that time period had come and gone. I was being patient but I'm concerned because the bill beat the card to my home. She was unmoved but I said ok and waited another week.

I just got a credit card from them and it's 500 dollars credit limit but because of the fees my balance went up to 502. My due date is sept 14 and they started calling me on sept 9 telling me that my account is overdrawn. I said, "yeah first of all why the hell are you calling me 5 days before due date? Second of all, it's just 2 dollars overdrawn." They suck bad... I hate getting all those calls.

I have always used the Credit One Bank website to process my payments. The amount of time they take to process a payment when made online is very erratic and never consistent. Although they won't admit it, several times it appeared that they actually delayed processing my payment long enough for me to incur a monthly late charge on my account. When I call to discuss my account with them, I always speak to someone that speaks broken English and is very hard to understand. Occasionally they are rude. They are almost never helpful. Luckily, I have a very small balance on my Credit One Card. I will be paying it off and never associating myself with this bank/credit company again. I will tell everyone that I know to avoid this company at all costs.

I accepted a pre-approved offer from this bank because I am trying to rebuild my credit. I used the card one time, 1 week ago and have not received a bill yet. I have spent 2 days trying to log on to their website to establish a recurring payment set up but it does not work. I have reset my password over and over and over again but the site is just not working.

Credit One has the worst customer service who calls you nonstop and you can never understand what they are saying. My balance wasn't even past due and they kept calling me and wouldn't stop asking when I was going to pay on my balance (mind you it was not even close to the max limit) and also have not even been able to log on to my account online for the past MONTH! They still have not done anything about it. They overcharge you and don't work with you. I would NEVER recommend this terrible credit card service to anyone.

Relatively easy to open for a quick credit card. I agreed to pay fee to obtain at $49-$99/yr. Used about $60 credit. Before month was over, found out I owed like $200... How'd I like that?!?!

My personal experience with Credit One Bank has been negative. To be responsible with my credit and paying on time, I have made a very organized plan. Any other credit card I have chosen to have, there have been ways to communicate via secure email with customer service representatives. Some even have live chat windows during certain hours.

I had my Credit One card put on hold. I applied for a second credit card from them not realizing that it was the same credit card so they put my card on hold. Thinking it was fraud I called them and explain what happened. They wanted a copy of my social security. I refuse to send them a copy of my social security so I sent them a copy of my driver's license. They still have my credit card on hold. I asked him to put it in writing. Why they just wanted a copy of ss % states to get their customer service is beyond the worst thing ever seen in my life. I can't even pay my bills online is everything's been on hold for they can accept my payment over the phone. Do not apply for Credit One terrible, terrible customer service and I would not fax my ss.

This company is fraudulent doing illegal practices. They will charge you to make a payment. And then close your account. They never have a English speaking rep. Never do business with Credit one - complete rip off from start to finish. After they closed my account they called 2 wks later to get more money saying that they could reopen my account. Only because they know that what they did was illegal and breach all contracts. Never deal with them.

Say I had a payment of 40.00 and sent them 35.00. I would get hit with a late fee and a 24% interest charge. The rep was helpful... yet to be seen. I closed the account. He said I would still incur annual fees and interest. This is a racket and a scam. Do not do it.

Credit One Customers off their Web Site and charging Phone Pay! The Customer Services Listed on the Website states WEB Problems Call a Number Listed There. When the WEB Problems Number is Called the Phone Call Employees read a Scripted Message that includes Excuses such as: "Our Web is Site is Down and Will Be Repaired in a Day or two", and the Following Week, they say: "It must be Your Browser", and other Excuses until they say: "We can Process Your Payment for a fee of nine dollars"; which is the Credit One Bank's intention in the first place.

This is one of the worst bank I've ever experienced! On August 3rd I requested a refund check from Credit One that was deposited into my account for a substantial amount of money. It is now September 2nd and I haven't yet received the check. Customer Service gave me 3 different dates, when I asked to cancel check and direct deposit into my checking account - they mentioned an additional 7-10 days before money become available! This financial institution need to be barred - bad enough when I first applied they gave a false advertisement being part of Capital One. What a disgrace!

Credit One has been charging my daughter a monthly service fee and late fee for an account I paid off over a year ago. They are now charging her fees for not using the card. When calling customer service they do not specify that a monthly charge is due on not using the card. As a young college student she is out a bunch of money.

Don't get this card for any reason. It's too many people on here that I see saying that Credit One Bank is a good credit card to have to rebuild your credit or to start credit, it's all lies. They are full of it. By far the worst credit card I have ever had. Please stay away. They are very unfair and their fees are ridiculous.

Credit card service won't allow me to pay online as I have and it works. Accepts payment from my bank that weeks later card service says no it didn't work so late fees, every computer I use say it received payment. But no says Credit One bank. And now I call in payment with charge of $9.00 to make payment. So tired of it. Late fees. Plus fee to take payment.

I just received my card and thought that I was getting a Capital One card. It is very slick the way they market this offer. I received a pre-approval and It appeared to look like I was getting a Capital One Platinum card, So I would say this is a form of false advertisement. Maybe it was my fault that I should have looked more carefully before I applied. I called and got my card cancelled, and also asked for a confirmation number (very important). If for some reason they send me a bill, I have the confirmation number as a back-up. I have learned my lesson to look before I leap, I already have a Capital One card and I'm fine with them.

If I wasn't trying to fix my credit I would have never opened this card. Credit One approved a credit line of 400.00 dollars for which I didn't feel one way or another about then a few months later they increased it to 550. I honestly don't know how this card is helping my credit. At this point I've paid the balance in full and yes I did have to pay a annual fee of about $75.00 dollars or 95.00 I can't remember but I wasn't happy about it either but as I said I am trying to rebuild my credit so I just decided to deal with it. I've been using this card for a year now and have repaid the full balance (proud of me) but as far as helping my credit, I not too happy about that. I check my Experian account once month and don't see a huge increase in my score.

I was sent a new card, and when I tried to use it, it declined and when I call them, some guy who could not speak English and did not know what the hell he was doing, kept putting me on hold, and tell me to throw old card away. I tried to explain that "the new card is just not working and I will not be in the store embarrass. Can you please tell me what's going on." NO HELP. When I pay this card off, I will never use this company again.

This company sent me a card I know I never ask for. When I tried to activate the card I was directed to customer service. That's when the headache began. These people are so unprofessional and you can't even understand them. They repeat the same thing letting you know they reading a script. It's been 1 month and still I haven't been able to activate this card. They asked for more information to make sure I'm how I said I'm and still a problem. In 7 more days from today I'm going to cut this card up and pretend this never happen. Yet I told them if any of my information gets into the wrong hands I will be suing them hard!!

I have had my Credit One Credit Card for less than 4 months, have made all my payments on time, and they have tried each month to add a $25 late charge onto my account and charged me right off the bat $75 annual fee. When I call customer service, none of the reps seem to speak English and are extremely rude. I feel this company is a scam. I will be reporting to Better Business Bureau.

I have waited a month for that crappy card. At this point they can forget about ever getting paid back. I am going to max that sucker out and run if I ever get it. I am going to teach them about promptness if it's the last thing they ever learn.

Want to pay my bill. Website is down. Called. They want me to pay 9.00 express service. Then offer me more credit 150.00 for fee of 24.95! What a rip. Going to pay account off and cancel.

This company is a phony. I signed up for this thinking it was Capital One and I only realized it after I was approved for the card. They have charged me multiple times for an annual fee. ANNUAL fee! As in once every year. No, they charged me every month for three months now and there is no absolute way to get a hold of them. All the numbers listed are nothing but automated messages. AVOID THIS ** COMPANY!!!

Like many others in stories and online tales I have read, I didn't take my credit seriously. I learned late in life that it's very important to have good credit. Recently after some hard work in bringing my score to a half decent level, I gathered up the courage to apply for a credit card. Never had one before and I'm in my mid-30's. Credit One immediately approved me for $500 and stated it was pending investigation before being sent my card. Feeling lucky I applied for a Chase card as well. What do you know, $5000 limit! I was on vacation for a week when I applied for both.

I got the card but I didn't order it. They are a scam.

Closed my account and was still getting charged interest after I was told that I would not be getting charged. The most horrible experience ever. Paid my card off triple the amount I spent on it. Please don't get this card people. DON'T DO IT!!!

I applied online after an offer saying I was pre-approved for a unsecured credit card, but then I get something in the mail asking for me to send them a copy of my social security card. I called them and advised them I gave them my ssn. Why do they need it and they said it's part of them verifying. That makes no sense to me and the company is based out of the Philippines as I asked them, but they asked me to mail a copy of my social security card to their location in NV, don't think so. Forget it! I believe it's a complete scam. No cc company has asked me to mail them a copy of my social security card.

This credit card company is a SCAM. First, I was automatically charged the $75 annual fee, which turned out to be the least of my problems. I used the card a handful of times. Making sure it never got over $150. I never received a statement, email, or phone call stating when my payment was due. I then called to have this set up and was told that my balance was $239 out of a possible $300 and that I needed to make a payment THAT DAY or I could wait until September 4th and make a $50 payment. I told them I would possibly be able to when my husband got home.

I received one offer for credit card from Credit One Bank last Year showing pre approval for $1500. I applied that then they gave me $600.This was first shock. In first month statement they added around $70 as annual fee although it was not mentioned or highlighted anywhere. I spoke to them and tried to cancel card then they reduced fee as $20-30 and committed for that year only. Again this year they have charged $99 as annual fee. I am shocked now and Customer service team is so rude and unprofessional. I asked them to close the account. Is it a bank or looting company. Don't understand it. Please be careful of them.

I have made my payments on time with Credit One every month for almost a year. I have been rebuilding my credit. This month Aug. I made additional payments to lower my balance. When my statement was available I reviewed it and was going to pay the monthly payment and a little extra. Apparently I have already exceeded the amount of payments for the month and they would not allow me to make my payment of 28.00. I asked "so if I cannot make another payment until next month I will go past my due date, will you all charge me a late fee?" The answer was yes. I have not heard of such business practices in my life. It's all about how they can hook you and prey on those who are trying to rebuild their credit. The card has helped me. However their business practices suck. I will cancel this card ASAP. I have fixed my score good enough to get a reputable company.

I keep receiving pre-approval letters in the mail from Credit One Bank. First thing that is highly suspicious is that they attempt to make their logo look like a more reputable company, Capital One. If I hadn't carefully looked it over, I might have mistaken them for Capital One. When I opened the letter I saw all the outrageous fees, interest rates, etc. that accompany this card. Another red flag for scam artists is their web address. It is a series of random letters and numbers, rather than a domain under their company name... fishy. On top of that, when you go to their website the very first thing they ask you for is your social security number. There are no other pages or options. That seems like a trap to steal and sell people's identities. Overall, everything seems very suspicious. I've never applied for their card, but I continuously receive these letters.

For people with bad credit, who are rebuilding it... we can't be choosy about cards. I have never had any issues at all with my Credit One card, and it has done wonders to help me rebuild my credit. None of the fees have been surprises... it is all spelled out in the paperwork that people never read. It is in print in many places. But there is a reason many people have bad credit, they never read... and they don't make payments on time. That isn't an issue with the bank, but the people who are reviewing badly over their mistakes.

Making my payment I made the mistake of putting my check number on the end of the end of the account number. They never contacted me to tell me there was a problem so after making another payment I saw the mistake and called. Got some guy I couldn't understand, "Oh John we will take care of that for you." They sure did suspended my account, went to hell after that. Just called today 8-15 -2016 "oh haven't got your payment so we charged you 35 dollars because it's late." If I had to do it again I would never get a card at this place again. I will pay this account off and I'm sure I'll get a late charge and a finance charge in doing this but that's ok I got screwed already so what's one more time? Hired people that lie and can't talk English. My bad thinking this was a good thing. Never again.

This is the most horrible credit card. NO ONE speaks English, they take forever to solve any issues. They freeze your account and you have to call to make payments and that takes 20 minutes. I paid this card off and will never get it again. I tell everyone about it and how terrible it is. It is very shady and I don't trust it at all!!!

I recently received a pre-approval letter from this bank so I decided to check it out. I am rebuilding my credit so why not. I did the application and never heard back. So I called to check the status of my application. I was immediately transferred to an agent who spoke very poor English. He wanted my full social security number which I wouldn't give him. Then he said "you're declined." I said "how could that be? You just told me you wouldn't give me any info without my full social security number." He just repeated "you're declined" and hung up. Very rude.

This company stinks. You can't contact anyone with a problem, you only get recorded messages. You can't send an email for help. Even though it is not in the cardholder agreement, they only allow 4 payments in a 30 day period. Before the 30 days is up I will go past my due date, then a late payment charge will apply and more importantly, a late payment will hurt my credit score. AVOID THIS COMPANY AT ALL COSTS!

MY first CC ever was with Credit One bank. I've had this card for exactly 10 years now and It's just okay. The interest rates are a little high, but I only use it for gasoline and pay off the balance every month. I started out with a $500 credit limit at 18 years old and now at 28 years old I have a $16075 limit. My only complaint about these guys are the fees. Fees are charged for nearly everything! Need a new card? Fee. Need a new PIN mailed? Fee. Want a credit line increase? Fee. Want your payment to post in 2 days? Fee. Other than the fees, I guess Credit One is alright.

I got the Credit One Credit Card a few months ago. Trying to establish my credit, a merchant that I had made a purchase from them using the Credit One card, decides to charge an extra amount of money other than what I had signed and agreed to pay (they sent me an e-mail letting me know about the future charge. I called them and told them I did not agree with it and I would not authorize it). But just to make sure they didn't charge my card I called Credit One to let them know that I never authorized a larger amount from what the merchant was trying to charge me, and I asked them not to let that charge go through, (the merchant had my card information) and Credit One decides to tell me that they are going to let the charge go through, that they don't have the option to stop it, and that I should send a letter explaining why I don't agree with the future charge.

Unable to contact customer service to find out why I was unable to access my account as usual. Foreign speaking represented ended my call claiming he/she did not understand my first name. I am really pissed since I only wanted to pay my August 2016 amount due. I promise to never again be a Credit One Bank customer.

This is the last straw with this bank. Yes, I should have read the reviews. I know. I have had this bank as my credit card since my divorce and ending in bankruptcy. I got the card because I wanted to rebuild my credit and this was easy to get. I have always charged and paid off. I ran into some difficulty financially recently and used the card and was not able to pay it off right away. Now the story...

It has happened to me twice. I paid my monthly payment early and they charged me a $25.00 late fee both times. I called them and they did refund me the $25.00 but on my status it is still saying I have a late payment. I can't wait to close out my accounts. Seems like a scandalous company!

I have continuous problems with this company in the past and their complete lack of customer service is deplorable. Every time I speak with one of their representative they surprise me with their complete lack of competence. My last experience with Credit One was they kept sending me emails that I was approved for a credit increase. When I put my information for their website it would not go through. I called the company and the representative told me that, that offer had expired. Yet, when I looked at the date expiration on the email it didn't expire for another 3 days. Then the representative told me he couldn't even find the offer in their system when I was looking right at it. Just a half ass company and I am just putting my card in my safe and not using them anymore.

Two instances I was a bit put off with the card. The first time, I paid the bill on the due date, but still received a late fee because I paid it around 8:30pm, and not before 8pm. The second, I thought I paid the full amount, I clicked pay full balance, only to receive a late fee and the bill stated I was off by 17 cents. I thought that was ridiculous to charge $35 for a 17 cent error that I believe was theirs. I paid the bogus fee but I am done with this card at this point. It's ridiculous!

So one of the reasons I was offered a pre-approval from Credit One today is of course, because of my low fico, yet slowly climbing back to the 600 mark. So basically, I received my pre-approval, opened it up and checked it out. I was like OK, pre-approval. Let's see what it's about. I go to look for the web address to log-in and enroll and that's when it hit me... This isn't Capital One... I went to the website www.KzB4Ln.com which immediately grabbed my attention. This seemed pretty scam official based on that web domain. Once I actually started looking to log in is when I noticed the company font and logo are flat out pushing the lines of fraud and identity theft of Capital one. I'm no copyright lawyer, but if I were Capital One, I'd be pissed off on how these guys are infringing upon their logo. I basically opened this pre-approval because I thought it was CapOne, who I liked when I was a customer 4 years ago.

I do have an account in Credit One and am very happy to have it. But this time I am just surprised when they charge me $75 for annual fee. Am pissed off and I call them right away and they want me to stay and they make $25 for annual fee. I never encounter this before - never in my life and this bank is scam. BIG SCAM!!! So guys please please please don't make get one or else you guys regret. Just want to share my experience to this card. I am not pay the ANNUAL FEE!!! I waive it.

I signed up for an account JUST to post this warning. I have had a Credit One credit card for about a year and regretted it very early on. Their fees are insane and minimum payments never seem to go towards principal like they do on another card I have with a different company. This is a terrible card in my opinion for rebuilding credit as it seems to put you only further in debt.

I hate Credit One Bank for the mere reason that they constantly are charging fees, and then if you forget to pay the fees and make a late payment, then they charge a late fee on top of that. Plus, the interest rate is outrageous. Use another credit card issuer if you can. Credit One Bank is not worth the hassle.

We had zero balance on our card and one day noted it had a $500 charge at Ulta in another state. Went to retrieve the card to call them and could not find the card so we immediately called and informed them of our lost/stolen card and the fraudulent charge. They told us that they would send a new card but it takes 30-60 days to "research". THIRTY TO SIXTY days. That is not exception. We are beginning a home refinance process and this charge is showing up. We had had fraud before on our cards with Chase and BOA and they immediately removed the fraudulent charge and did what they had to do on their end, making us not responsible. Not these idiots. Now, they expect us to pay this charge, and you can bet when we don't pay the card, they will report it late on our credit report which is not a good thing right now. How can they even legally do this?

I applied for a credit card and was accepted in June. My card got lost in the mail because I moved. I called, cancelled that card, and gave my new address. I was assured I would get my new card in the mail. I have called three times and to make a long story short It is now August 5th and I still have not received my card.

In Dec 2015 my bank account got hacked into and my payment to Credit One was unbeknownst to me returned. In Feb 2016 I called them explained what happened. They wanted a letter from a notary in the new acc #. I told them no, because they had been getting my payments with no problems since Dec. So I asked them to unlock my online account so I could see what has been happening with it. For 3 months they told me the same story and that yes, they will unlock my online account. I told them to run up a flag pole and stuff themselves. I paid them off, and yet they still wanted a letter and in the meantime taking my auto payments w/o notifying me that my account was paid in full.

I have a credit card that's not even activated. Its still in the envelope, 3 charges were made on it. They say nothing. 22 minutes on the phone got nowhere. They said supervisor will call. Haven't heard from that person.

I'm a 31 year old man who is trying to build my credit back up. I'm totally blind and I'm not able to see. I use a text to speech reading program to help me in reading the reviews that are posted. I found out about Credit One Bank through doing some research. When I had successfully made my first payment to them, I found an additional $4.00 balance after I paid off my full balance of $299.00. Every time I call them, I don't get any representatives from America. They are all from India or somewhere else overseas. I can't understand a word they are saying. I have called them back in July of this year 4 times and asked if my account could be closed because I don't like the way they do business. I also tried to attempt to close down my account this month. And they refuse to do it. I'm writing this review to say to anyone who is trying to build their credit, I would strongly suggest that you don't go with this bank.

They kept making my online account suspended so I could never pay my bill without calling. I kept asking for them to close my account and they would get angry and say "now is not a good time for that". Very poor English. Very very dissatisfied. Zero stars.

My company card was used to pay someones monthly payments, it was without my permission or knowledge. Once I found that 3 payments were taken from my card, a police report was filed, notified my bank and asked for help to determine who had done this crime. My Bank gave me a address to send my information to, we send it signed receipt. A copy of the receipt was returned to us by mail, but no correspondence. We still have nothing in writing on whose account was paid with my card. After over several months we tried to send the information again. The post office said the address we had used before was no longer valid. I had tried by phone, and if you don't have an account I am not sure how to talk to a living soul. I would like to have a contact name, number, address, somebody who could help me get to the bottom of this matter. Can't get it submitted with one star, let me try a few more to see if it will go through.

I have had a Credit One card for approximately a year, but this year I added my husband to my account because he is on the road a lot as a contractor and I felt safer that he had a credit card for emergencies. However this isn't the card to give to anyone for emergencies! I paid off my balance of 635.00 on July 29th at 4 in the afternoon and even paid an extra 10.00 dollars for their "express" payment service. However when my husband tried to buy gas the card came up denied! You can imagine my panic at this point... husband on the road, stranded, no money!

Have had Credit One card for over six years with my limit going from $300 to $$2300. Used the card and another from First Premier to build my credit score from 560 to 783 today. Just follow the instructions and be patient.. Except for the annoying monthly and annual fees, the card did what I intended it for. Today I have half a dozen cards and many with no annual fees.

I've read through some of these reviews. Unlike most people here, my review is very positive because I know how to read and I know my credit score was poor. For them to even approve me... or most people complaining here is a big step towards rebuilding credit without getting a secured card. Did I know about the $75 fee? Yes, it's in print. Did I know about the service fees? Yes, it's in print. If you use their card modestly, pay off the balance and wait, you will be rewarded. First, by a higher credit limit, then after a while, being able to be approved for regular credit cards with no fees and lower interest. But yeah, if you can't read and can't make payments on time, I guess they're horrible.

I got this credit card to rebuild my credit. It has worked and I no longer need to use a card with a yearly fee. I paid my card in full and called the company and asked them to cancel my card. They said they did. I received a call today telling me that my payment of $52 was past due. I am not sure how I owe $52 when I paid my balance in full 2 months ago and my card was cancelled. I was told that it was interest charges. Lol how am I getting interest charges on a ZERO balance? The bill collector or customer service person or whoever it was, was ridiculous. I was trying to ask where the balance had come from and all she kept saying was 'how will you be taking care of this today?' I could not understand a word she was saying. English was obviously not her first language which is okay but I am pretty sure the only thing she did know how to say was 'how will you be taking care of this today'.

I recently received a credit card from Credit One. Within a couple of months, there were two charges on there (one for Domino's for over $100 and another one, also in excess of $100, that I simply did not charge to my account). The Domino's charge occurred in California, and the other one which seemed to be for some kind of supplement appeared to come from the northeast somewhere. I live in Laramie, Wyoming and CERTAINLY did not charge $110 for a Domino's in California (a state I have never visited). They are really dragging their feet to get these items off of my bill. They sent me a new card, which I have not activated as of yet, since they seem to be a rip-off, and I'm not sure I want to do business with these people anymore. How can I get them to remove these two fraudulent charges from my account?

I opened a credit card with this company for my daughter with a $200.00 credit limit. The balance of the card $34.00 was paid via check that I mailed into the company on 7/1/2016. Today, I checked my checking account statement only to find that Credit One sent an electronic payment request to my bank in the amount of $629.00. I immediately called my bank and advised them of the issue and since the actual check could not be viewed by either the bank or myself they very politely issued me a credit.

On July 27, 2016, I had a very unfortunate and dire circumstance to occur to me while out of town, three hours away. I had the Credit One Card to pay for my out of town travel expenses. I chose it over Capital One because I had paid off the balance of 792.00. However, once I got to the hotel and it was not approved for lodging, I called their customer service number and got someone who did not speak very good English and was not helpful in addressing my concern about overriding the system to accommodate my charges to hotel since balance was paid in full. I even spoke with a supervisor who spoke with my bank.

Received a credit report from one of the credit bureau's stating that somebody had applied in my name to several companies for credit. I called and s/w each of them and they all sent me to their fraud department for an analysis, review, and answers of what I can do. ALL EXCEPT CREDIT ONE BANK! I called the number on the credit report (877-825-3242) which connected me with a "customer service rep" in MALAYSIA!! Could hardly understand them so they put their supervisor on. Told him I want to talk to the headquarters in Las Vegas, NV.

Hello I want to share my experience but excuse me for my broke English because my first language is Spanish. I am living in Alaska and I apply for online in this bank Credit One, and they send me my card. Before I active my card I read this commentaries and I decide not active my card. I never active this and was thank you for you guys, but I surprises yesterday I received a mail and they charger for fees annual 75 dollars??? I NEVER ACTIVE AND USE THIS CARD AND THEY SEND ME THIS BILL FOR 75 DOLLARS!!

OMG! They suck so bad, really rude reps with thick accents, so it's hard to understand what they are saying to you. They they to you about amounts you need to pay and the next minute it's a totally different amount (higher) of course. They need to be put out of business and all of the workers locked up behind bars for good. ** Credit One Bank, they don't deserve a rating 0. People - if you are looking to rebuild your credit please go to Capital One they are the most honest company I know... they treat you with respect and totally work with all people and credit situations.

On June 4, 2016 I made an application and Credit One Bank approved me, pending verification of my identity. Up until today July 22, 2016 I had not heard from this CC company so I looked up their number and gave them a call. They told me they had sent me a letter on the 14th asking for me to send in a copy of my social security card. This seems very suspicious and nefarious in nature.

For those of you who have received a Credit One Bank pre-approved application in the mail but have not yet responded to it, READ THIS REVIEW. The vast majority of people who have posted negative reviews about Credit One Bank cards simply did not read their cardholder agreements. They got caught up in late fees or whatnot and are now calling this bank "a bunch of shady crooks." Granted, I'm sure their customer service does suck if they're outsourcing to employees who speak poor English. I dread the day I have to call these guys to close my account (which I intend to do, as these types of credit cards are meant simply to rebuild credit and are probably of little benefit to keep long-term due to monthly service fees that arise after your first year).

I got Credit One card on July 21st 2015 with annual fee of $97. I had to because I didn't have a credit history. I made all the payments and requested cancellation of card on July 20th 2016, as I wasn't too happy with the card (no benefits, if you make payment on last day. You still need to pay fine of 25 dollars). They confirmed that your card has been closed. Next day I was charged with additional user fee of $19. I totally don't understand why would they charge with additional user fee after cancellation. I strongly don't recommend Credit One Card.

I got an application and did process it on 7/1/16. I called twice to cancel because they asked for a copy of my SS Card. Now how stupid would I be to send my SS Card copy to them? Hello with the world we live in there is no reason for this to be required. They also asked for my work detailed info on my tax return. Hello, I want this application cancelled and do not care to have anything to do with this institution. Shady to ask for that info and certainly I am not a stupid person to send this type of document to them.

This company is so SHADY. I paid my balance off and continued to get charged a monthly service fee. I had paperless bills. Did not know I was getting charged 'til I got a phone call about a past due balance of 103 dollars. I have not charged anything since I had paid the bill off. The charges were monthly service fees and late fees. These people are CROOKS!!! Closed my account immediately! I give them zero stars!!!

I applied for and got this card after 6 years with no credit cards due to Bk and such. I was VERY excited to have a new card and was keeping it for emergencies ONLY! I applied in EARLY May 2016 and the card took 5-6 weeks to come! I received it, but did not activate the card as I planned to not use it until an emergency and I did intend to activate, I just simply forgot to. July 17 comes around and I call to activate and there is ZERO prompt to do so. I press ZERO and get the account handler within seconds. The call was recorded I think because it was acting strange and echoing and really bizarre. I had a bad feeling. The gentleman told me that my card had been closed due to inactivity! I JUST GOT IT like 3-4 weeks ago max. So the man told me he would have to reopen it. I laughed. He said its the same card number and I'm good to go.

I have been with Credit One for years now. They offered me a Mastercard (already had a Visa under Credit One) so I took it. Unfortunately my card was stolen in April of 2016 and Reported the same day it was stolen. It took them a week to send me a new card, a MONTH to investigate and put the charges back onto my account. Fast forward 3 months later, now July 2016, I see the same stolen charges charged on my NEW CARD! I called. Had to argue with first the representative, then the supervisor, then Corporate. Corporate told me that I did not sign the affidavit and that needs to be signed and sent back (not knowing this in the beginning). They really need better training and communication to the consumers when dealing with stolen credit card issues. Once the cards have been paid completely I will be cancelling. Worst Credit service I have ever encountered. Complete waste of time.

I've had 100% negative experience with these guys. Having trouble deciding if they are intentionally evil or just incompetent. First of all, they are clearly trying to appear as Capital One which is why I foolishly filled out the form they sent stating I was pre-approved for $1,500. My actual credit limit was a whopping $300, nonetheless we put it into action as we are trying to build our credit back. When I got the first bill and saw that they start charging interest on the day you make a purchase, I decided I would simply put the card away and never use it.

I have been reading these customer complaints, several them involved either someone paying late, falling behind or going over the limit. I've had this card for over a year to rebuild my credit. It has moved my credit score from where was. I had five bad years in a row like a domino effect. First company went out of business then fell behind so on so forth. I have never had a problem with this company making a payment, and yes they charge a fee to get your credit card as so many others do that they are there to help you rebuild credit. They have given me a second card, a MasterCard with no fees attached to it because I paid on time, never went over the limit.

Ive been trying to close my account with Credit One Bank. Each attempt has been VERY UNSUCCESSFUL! They have continuously trumped up charges to ADD on in an attempt to keep me on!!! Its been very tiresome and STRESSFUL in dealing with these PEOPLE!! Not only are they Rude but very conniving. When I tried to pay off the remaining Balance with another debit card They took my information and then LIED AND SAID THE TRANSACTION WAS DENIED! I know because I called my bank account the next day and they said no such attempt ever occurred. So I paid the remaining balance the next day. On their WEBSITE It went through. However the next day they added on $35.00 interest charge and then another $25.00 over the limit charge totaling $60.00 additionally! Ive had it with these Guys!!!

I have been using Credit One Bank for a year now. I have to admit, after reading all these reviews, I'm shocked. I haven't had any problems with them. As a matter of fact they have been very helpful for me in rebuilding my credit. So far all or if any fees I have received were spelled out on the paperwork that I receive... I haven't had any surprises. For a credit card for someone with poor credit, it's a decent card. I don't expect benefits like a top tier card such as Amex or Discover; after all, I did start out with poor credit!! But with this card's help, I'm quickly on my way to one. I love that I can view my credit score regularly and that it is updated often. Very happy.

I haven't used this card. Not even once for a dime!!! Had it for 4 days... and it appears that I already owe them $75.00. Smh! At 24+ percentage! Yeses think 3 times before getting one from them!

This card is easily hacked, and when it does get hacked, and it will... the fraud dept plays a game of "not sending you the fraud verification letter" so you have to call and request it again and again... and THEN they take almost 90 days to "investigate" the fraud. I finally cancelled this card after waiting on hold for almost 40 mins and getting transferred from call center to call center. TERRIBLE.

They call me 10 times a day including Sunday's and after hours. There are laws against this type of harassment and they should pay for all credit they have destroyed for their customers. .

First year I paid $75 upfront for the annual fee, which is ridiculous by the way. The second year Credit One decides to change the annual fee to a monthly payment instead of a one lump-sum, upfront payment. I received a credit increase because I was never late, my credit card was paid off, never charged anything for 6+ months, no reason to open the statement. My credit monitoring app notified me two months of delinquent reports to my credit agency and late fees associated from Credit One. I called Credit One Bank which removed the late fees since I have never been late, but could not fix the delinquent posts to my credit report. To prevent this from happening again in the future I must call or pay $8.25 manually every single month. Yes, that's right, Credit One is only credit card company that does not allow you to set up automatic recurring payments. I wonder why that is???

I'll be honest, I tried to use Credit One Bank credit card to build credit as I was in my early 20's, had a child and was taught to establish credit, start with a low credit limit and try to pay back on time. I messed up I'll admit. When I told my parents the APR was 24.99% they flipped out. They told me all their banks and credit cards were no more than 14%, but this was the worst mistake in my entire life dealing with this company. I could never get and I mean never get someone that spoke decent English. I'm a U.S. resident from CT. My first mistake was I didn't know it was out of Las Vegas. I should of read the fine print, didn't know anything of a credit card fee 9.35 a month for using their card, plus 25 cents to every dollar I spend. So even when I didn't use the card I had to pay 9 bucks a month.

I received their letters continuously to persuade me to have their card. They suggest me to have the card with no annual fee. Then I used their code online to "apply". After that, I received a card with $75 annual fee, only $500 credit line. HAHA, I did not active it. Then I called their customer service, which I could not understand what they say. They said I cannot shut down the account because they are $75 in my balance. They transferred me to another person who also does not speak English. He says he will lower the $75 to $25, I cannot throw the card because it will automatically be activated. I have to use, have to use it and pay their annual fee, you understand now??? I am pretty sure that they hire people who do not speak English to make you tired up and pay. OMG, why does this fraud company still exist? WHY, WHY, WHY?

I applied with Credit One Bank (Re: Credit Card) on 6-27-2016. Realized I did NOT want this card and called back immediately to cancel. On 6-28-2016 I received a text alert from one of my Creditors (which gives me alerts), that Credit One had put a NEGATIVE on my credit report. I called them and spoke to 3 people: 1. A regular rep/ 2. A supervisor/ and 3. The manager on staff. I had to argue tooth and nail for their stupidity. To all and anyone that is considering doing business with Credit One -- You'd better think long and hard is this is the company you trust your money with and your Credit Report. If they have the opportunity, they will DEFINITELY screw you. Thanks for the opportunity to share this experience.

First of all, their name is too close to Capital One. Everything about them is too close to Capital One, except their customer service. Hidden charges, they make it virtually impossible to make a payment online, then the person at the other end of the phone barely spoke English. I tried several times to make a payment, and in the end gave up. I am now in collections with them. Do not be fooled by them. Do not ever, ever, ever get a credit card with them. I am looking forward to the class action lawsuit against them!!!

This company absolutely stalked me over 1 missed payment. They called my phone 6 times a day for about 2 weeks, never leaving a message and hanging up when I did answer their call. I wrote them a nasty letter letting them know how rude and sneaky they are and paid my balance that day. However, for some strange reason, my payment was never processed on their end, after paying it on their website, and was never deducted from my account. And what's worse is they closed my account stating "as per your written request". I never requested my account to be closed knowing it would do damage to my credit. This is an untrustworthy company to deal with so please do not sign up for a CC with them!! Horrible to do business with!!!

So in January I paid my account off with my H&R Block card, the next couple months I made payments using my normal checking card (that is assigned to pay credit card). In May I was unable to sign into my account so I called them, and they said my last 3 payments were rejected... so I asked how when I only use my primary account to pay credit cards. They told me that the Emerald card had insufficient funds. I explained that I didn't make the payments with my H&R Block... they then deactivated my account until I sent them a letter stating why my account was deactivated (Seriously! A letter). So anyways after a few choice words I told them to ** off.

I've been a customer with this company since January. I'm very dissatisfied but it looks like I'm not the only one. First of all, their percentage rates are unbelievable. Second, I have another credit card that I pay online the same way I paid this one and for my other one the payment is posted and available the next day. For Credit One, it post about a week after you pay it. That's inexcusable. My third complaint is that the customer service I've received was absolutely worthless. I had asked for a paper bill to be sent to my home so I could pay my bill. The last time I tried to pay my bill online, they said that I had insufficient funds and charged me a $25.00 late fee.

I have been trying to rebuild my credit and took out a Platinum Visa with these people. I was within my credit limit on my last purchase. When I received my statement, they say that I am over my limit. I have been receiving phone calls. The one I received today, the gentleman was clearly from India or Pakistan and wanted my debit card number over the phone. I ended the call promptly. They used a phone number with a local area code. They are not who they say they are. My intent is to pay off the balance and cancel the account and report them for fraud.

I have received up to 30 collection calls in one day after having explained that I was aware my bill was due and gave a date that I would and could pay. These people don't speak our language.

Extremely frustrated and MAD at Credit One Card. Went on vacation over a week ago from home state of KS to FL. Was immediately denied use because of temporary relocation on vacation. Called to get cleared, took some general information of why I was out of KS. I gave that to them and they said it was all cleared up and removed the card use blockage. This was Only the BEGINNING of multiple phone calls because my card kept getting denied use!! They kept asking the same ridiculous questions with the same insane result... NOT ABLE TO USE THE CARD!!!! Ridiculous you ask... they wanted to know every place I was going to use the card and how many times! I'm on vacation for heaven's sake! My vacation has been ruined because of this and the pecuniary problems it's caused. They keep coming up with one calumniation after another. My suggestion is to cease card use. Which I will!

This company didn't send me a bill for three months, and even made calls several times and still took them months to send the bill. They charged me with late charges, and even had one of their customer service representatives yell and cuss at me. This is the WORST company ever. Do not ever get a credit card through them. They also add on annual fees that are not in the original papers.

On 2 reviews I rated COB 5/5. I have had an account with COB since 2007 without any problems. Something has gone wrong at this bank. In March 2016 I was checking my account online and noticed an unauthorized payment was scheduled for $697 from my checking account. No payment was due and I only had a $70 balance in my checking account. I was lucky I was able to pay my Bank $20 to stop this payment and all future payments to COB. COB could not tell me who authorized this payment and tried to blame me. Once a payment is scheduled you cannot change it. My Capital One credit card accounts allow you to change/cancel any payment that is scheduled, but not COB. I closed my account and will not be doing business with them ever again. Please stay away from Credit One Bank.

I have had Credit One bank for over 1 year. I paid my 75$ first year fee then this year they started charging my card 8.25$ each month?? On a 300$ credit limit? Also after 1 year on time payments and no missing payments or late fees they haven't increased my limit? Why keep this card? Please don't even apply for this card. They are just trying to take advantage of people trying to rebuild their credit. First thing I'm going to do is pay this piece of garbage card off and let everyone know that this card is a 'go nowhere' card!! You can be in good standing and no benefits from it!! They also report wrong credit scores to the credit bureaus. Stay away from these predatory lenders and let our government know about their bad business practices. Don't let them take advantage of any others people or young persons trying to start their credit up. They are liars what they promise in their ads and websites. BEWARE???

I've been with Credit One for over one year. Never late, always paid early. I was late one time. I received an email asking me to contact them to make arrangements. I called and was told they don't make arrangements. BUT!! the email said they did. I asked for a supervisor. That was a joke. No supervisor. It is obvious that this company isn't owned by Americans. I will pay them off and request a letter of payment in full. In the mean time since they couldn't produce a supervisor or they don't have any type of payment arrangements I told them I will pay when I can.

They showing your payment late if you on time or late don't show all the time. Bad credit card company. They making money in late fees and report you all the time for late payment.

NEVER NEVER NEVER use this credit card company again... I received an email stating that I had made a change to my contact information, if the changes were not made by myself to call customer service. I called customer service on May 1, 2016 and told them that I had not made the changes. The rep said ok and changed my address and contact number back.

I am in receipt of an account statement from your institution claiming that I owe $425.87 I have no documentation from you indicating in any way, other than a late fee of $35.00, interest charged of $7.05, and an “ANNUAL FEE 06/16 THROUGH 06/16” – whatever that means, of $8.25. In fact, I have not received a statement for this credit card that describes any type of goods or services purchased in well over 6 months.

First, you have to know they begin charging interest as soon as you charge a purchase. I decided to cancel my card after one year, when I saw the annual fee was billed. It was only $8.25, but I no longer wanted the card. I called and canceled, but they would not reverse the charge. These guys are shysters. They don't warn you, it just happens. The amount of time and aggravation aren't worth, especially since you can't reach them because the phone calls go to India. Banks have become more like gangsters. I feel like I have been mugged. Stay away from this barracuda bank.

The Government need to do something about this bank. It keep scamming the people and charging for all sort of reason. Canceling them is more damaging to your credit score than having them; therefore you are stuck. This bank charge me a $10.63 "Purchasing interest fee" even when I have a "0" balance. I haven't use the card in months. A fee for what? The government seriously need to investigate into this bank card business practices.

I have never had such a terrible credit card. I got it to help build my credit after my divorce. I can never speak to anyone on the United States. I am never told the truth and always harassed days before my due date. I always pay my bill on time, always. Oh but this is the best part. They charge you to get an increase in your credit limit. Terrible card. Do not get one. You will regret.

I had called to see why I had an outstanding balance on my account, they told me my checking account from my bank bounced and that I had insignificant funds so my payment did not go through. I had asked them how they would know that when I bank with a different bank the name them. They said I had to provide a letter of recommendation with my account and routing number on it. Are you kidding me?! Do you guys realize how unsafe that is? When I told them no, they said they are closing my account and charging me an additional 25$ for a late fee. Seriously? I still have a week to make a payment! I asked them to email me my bank statement but they couldn't even though I was set up for paperless statements. So I told them I wouldn't make a payment until I receive my statement in the mail.

I was shocked when I got my first bill on a card I had not even used yet and it said $75 due. I figured it is what it is and I would pay it. I didn't get paid for another week so I waited. Starting on the day it was due I would get called at the very least 7 times a day (from a local SC number). The person on the other line was not from America of course and was asking me all kinds of personal questions. Again I wasn't even one day late when they started calling. Then I went online to make a payment and it said I had to pay an extra $9.95 to make a payment. I then called them to make the payment and they also said I had to pay the $9.95 plus the payment plus a $25 late fee...

Terrible customer service. They are rude intrusive and mean. One lady said "Do you have a spouse that can pay this? And you work don't you?!" So rude. Never again!!

I was just married. I called to change my name and they want me to send a copy of my social security card in the mail to them with my current driver's licence. That isnt even safe. All my other cards, synchrony and cap one didnt need that. On top of it they charge a fee of $25 for them to update my name. What??? Unreal. They charge to post your payment to your account early. When they are credited the payment the money is not available for days after! Terrible company. Not to mention I am never later and some branch keeps calling me 10x a day and wont tell me why. Weird.

I found out today on June 07 they closed my account by calling customer service. I called them on the 27th of May, I had a high balance over my 450.00 dollar limit. I paid a payment of 159.00 plus their 9.95 fee to do the transaction on the internet. Then I called Credit One customer service and asked them if I paid off the entire balance if the card would go back to 450.00. They said it would at midnight that day. I kept watching my account and I seen no credit on it. So when I called the gentleman informed me that it was closed because of nonpayment for 90 days. Now how can that be possible when I made a payment on Wednesday the 25th.

I got this card in 2012 and pretty much kept up with the payments then I started getting all the increases like everyone else although you had to pay for them like 19.99 for 200 increase. I got all the way up to 1300 with this card and at the same time my credit score started to go up and I also got more cards so I stopped using the card. At the end of 2015 I had paid the card off place it in my drawer and never used it again. In March 2016 I was trying to get financed for a house and my credit was pulled and it showed that I have a 60 day late charge from Credit One. I called them to find out what it was. They told me it was from a late for the yearly fee for having the card. I then explain to them that I never got a bill or email from them. This is where the fun began.

I do not like this company at all. First of all, I have been called from all over the country at least 200 times at all times of day in the last 2 months. I was under the impression that credit agencies were not to supposed to harass consumers that way. Second, I have already paid my account in full but because of late fees and all other fees they are charging, I now owe more than what the original amount was. They get a regular payment from me each month. My credit score has been dropped so low that I cannot even apply for another one to pay them off. I am also enrolled in credit protection and WTF, again, I cannot even apply for a lower interest rate loan to get rid of these leeches. Don't - I mean DON'T ever apply for anything from these people (if you want to call them that)!!!

Like so many people on here, I'm also having a problem with Credit One. Of course I want to build up my credit like everyone else, but the one thing I didn't know is the lengthy amount of time it's going to take for money to go back on your card for a payment. I made a $50 payment, 3 days ago and tomorrow being the 4th day will be the time I can use my card again. I would have put more on my card but my job sucks balls. Anyhow 4 days is the standard waiting time, the company calls it "Floating", for your money to go through. I call it BS. To make things worse, there is a bunch of 800 numbers but none of them to help you to get to customer service. No direct line for that. And that just leads to more irritation.

EVERYONE please beware of this credit card. If you have bad credit or need to rebuild your credit, you should avoid this credit card and find ANY other option. I feel like I'm trapped in hell having to deal with them so if this review helps one consumer I'll feel like I've been helpful. There are SO many problems with this credit card company. I was involved a really bad car accident just before the Holidays and my car was totaled by someone. You can imagine the impact this had on me, both mentally and financially. I would need some time to get back on my feet financially. I contacted ALL of my creditors, including Credit One. All of the creditors were able to provide me a temporary financial hardship payment plan... including my Target card. Target had more compassion and understanding than this pathetic Credit One Bank...

I've been with credit one for 5+ years and it's always been a ridiculous, stressful experience. No email contact. You HAVE to call them and 100% of the time you'll talk to someone you can barely understand and NOTHING will get done! After 6 years of not a single late fee on any account, I've had 3 with Credit One caused by the following: their mobile site does NOT work and when asking about it I was told, "well don't use our site on your phone" and went through 2 months of not being able to sign in to my account even using my desktop. I was asked "have you tried using a different browser?" What the hell?! This is 2016 people. No matter what you do you'll reach a dead end. You will not get your money back. Just pay out your account and close it. WORST business I've ever dealt with.

I want to ward off anyone considering this credit card! In my attempt to rebuild my credit after filing bankruptcy, I got a card. I knew full well that the APR rate would be high, but I decided as long as I paid more than the minimum balance (I paid $37) the minimum of $25 it would help lift my credit rating. I was so wrong! The $37 payment I made on-time every month enough. After weird finance charges that differed every month, my principal payment was only $9 and some change.