Credit One Bank Reviews

While trying to apply for one of their Credit Cards I was declined because they had a credit card that was charged off. Called Credit One telling them that I never applied for a card before and that I was a victim of identity theft. First I was bounced around to several different departments (getting cut off every time that someone transfer me) then I was told that I had to get in contact with a collection company. After I called them again with a police report and other documents they refused to give me a fax number so I can submit my documents, then they refused to conduct an investigation to my identity theft claim. They are refusing to allow me to get a credit card based on charge off and they refused to updated their records.

I have had nothing but a bad experience with Credit One. I found hidden charges and just bad service period. After finding these hidden charges I figured I would just pay the card off and be done with them. When I called to pay off and cancel the card they tell me there is another thing for me to pay to do that. That's crazy. In order to pay my card off I have to pay them a fee to do that. Just another hidden fee from them. I strongly recommend that you do not mess with Credit One. If you do you will see more hidden charges than you have ever seen with any credit card company.

I am a new Credit One customer. I have yet to make a payment on my account but am not past due. I have already been receiving calls from a New York telephone number with some person asking me if I wanted to make a payment on my account though it isn't due yet. Naturally, I assumed this was some scam and that some con artist had got my account info or something. So I called the real customer service number to ask about whether this was legit or not. And apparently, it is! I think it unnecessary to be called on the phone by someone especially since there are far too many phone scams going about. I would not recommend Credit One to anyone. They seem to want to ride your ass.

I have been on phone for over 3 hours with these morons. They froze my account that has a limit of $300.00 & I recently paid them $159.99 that including the $9.95 fee to rush payment in which I had plenty of time to send in. I just figured it would be better just to pay the fee to ensure they got it. They got it alright then put the freeze on my account. They stating they needed to verify my accounts that I have paid them with. Ummm duh, you get my money, freeze my account & NOW I need to verify other accounts I have paid you with? UNFREAKINBELIEVABLE!!!

In Sept 2015 I called Credit 1, reported my card loss (lost purse). I never used card. Didn't realize it was a Credit 1 card. I was waiting for my new Capital 1 card. I spoke to an Oliver and he said there would be no charges till I received my replacement card and made a purchase. I never received the new card nor made a purchase. In Dec 2015 I see on my credit report a late past due amount. CI tried calling them to tell them I don't have the card -- never activated it. How can I owe on a card I don't have. How can they put late fees on my credit report on a card I never received? It needs to be corrected. I will never recommend Credit 1. Also they need to get English speaking representatives.

I accepted Credit One's "PRE-APPROVED OFFER" for a VISA card with an initial $300 limit (actually not much for a "Platinum" card like the others I have, but I was curious since I've read so many negative reviews about them). As stated in their agreement, there was a $75 initial fee, so the available credit was $225 which I've used regularly on a monthly basis... Paid the balance(s) in full monthly or always much more than the minimum(s) to save interest charges... I never do Express Pay, just standard payments that have always posted immediately and funds have ALWAYS been available in 3-4 business days...

I recently changed my name legally and have spent three months trying to get Credit One to change the name on my card and my account. Finally after a lot of back and forth, I had to put everything in writing three times. The response I received six weeks later was that my legal name is over the 21 character credit card via a letter and was told to send ANOTHER letter with a legal name under 21 characters including spaces. I called Credit One and was told they would change my name but only if I paid a $25 service fee. So Credit One will not change my name without me paying a fee and of course they won't issue a new card without me paying another fee. This credit card company are a bunch of ripoff artists. Is this even legal?

After applying for this card I read several negative reviews. I called to find out how to cancel my application to get just what I read online. A RUDE rep that I could not understand stating that the card had been shipped. Upon getting the card I waited close to 2 weeks before activating it. 1 week later I created an online account to determine that I had a payment due date in 24 hours. I called immediately to determine why I was being billed so soon. I was told my billing cycle starts the day the card ships not the day it's activated.

I have five credit cards. Four of my cards came automatically with the new chip-card. I had to call none of them but Credit One. When the call was made to request a new chip-card to replace the standard card I had, they told me it would cost $25.00 for the new card. None of my other cards had a charge for issuing me the new card. Citi Card, Merrick and Capital One were glad to send me out the updated chip-card free of charge and without a request. Why does Credit One force me to request the updated card and on top of that, attempt to charge me $25 for it? I told them not to send the new card.

I received a new credit card at the end of November from Credit One Bank. I'm trying to build my credit back up and this was an option that was presented to me. Upon receiving the card I activated it and the automated service told me it was ready to go. So I immediately took to shopping for the holidays. The card was declined at every turn. I since have been on the phone with this company over 5 separate times, and every time they told me that they would send in the paperwork and it would be activated in 48-72 hours. It never was. I finally had it. I called them to refund me my first payment of $25 for the $60 activation fee and to cancel the card. I basically was called a liar by the person on the other end of the line of the last time that I tried to use my card.

I got several pre-approval letters before finally accepting. After a month and a half of being a customer, called to ask why my online access was blocked, I spoke to a person in a foreign country and could barely understand him, he told me that I needed to send them copies of my DL and utility bills because my account needed to be verified. I asked to speak to a supervisor and the representative said that I was going to get the same answer that he gave me.

My wife and I have been a Credit One customer since 2012. I have never missed a payment, and have always paid early. Went to use my wife's card 2 days ago and found it was declined. We call up the company and they were rude to my wife when we were trying to find out what happened. They said I was behind. I told them I have never been behind and gave them every single date I paid them. I paid them on November 3rd for our 22 due date, and I paid them on November 25th for our December 22 due date.

I have had this card for about 2 years and all was not great but ok. I recently attempted to make a payment through an E-check but later realized that my securities account does not authorize E-check payments. I called Credit One and explained to them about the e-check payment. Then my spouse made the payment for me from her account. The payment cleared and a month later, I realized my account was suspended. I was told that they needed a letter regarding the initial payment and why it bounced. I repeatedly asked for a fax number and finally on my 3 or 4 call, I received one. I faxed my letter but did not hear anything from them. I called and was told they never received and could I fax. I again faxed the letter and two weeks later, I checked my account to find that it's still suspended.

I'm a young adult, and I wanted a credit card to build credit. So I decided to get a Capital One card (highly recommend) and a Credit One Bank credit card. Since I'm dumb, I hit my credit limit of 300 dollars, which I'm trying to pay off, and I missed a few payments (yes I am an idiot for doing that), but now they call me AT LEAST 5 or 6 times A DAY on the week leading up to payment day. Even yesterday, they called me 6 times before 12 PM. It's borderline harassment! Plus their mobile app is horrible (it won't let me pay my bill or even view my account on my phone). I also looked where they were located, and found out that they're based out of Vegas, which leads me to believe that they try to attract people with gambling problems, so they can get rich while the gambler loses all his money. This company is just a scam! I don't even like to write reviews, but this company is so horrible, I signed up on this website just to give Credit One a bad review!!!

I've been waiting for 2 months for my credit card. They have "sent it" 5 times. So I try to cancel it and they tell me I need to pay a fee to cancel a card I never received. Horrible company. I have no idea why I went with them.

I paid off my balance on my credit card, then called to cancel and close my credit card on 11/27/2015. I was connected to a foreign call center where someone tried to talk me into keeping the credit card for approximately 20 minutes. I told them no, I would like to close out the account, and eventually they said they would and the call was concluded. Today I received an email from the company stating I had a message waiting for me on the account. It turns out they never closed the credit card account. Upon further review online, many other consumers have the same issue with this company.

It took 3 months to get a new card, my old one expired. I had to call and give them my address at least 4 times. I was told in November I wouldnt have to pay a bill until January by two different customers service reps. I even questioned them and they assured me of it. Then I started getting calls saying I was late on my payment. I asked to speak to a supervisor, who I know, think is just another employee, and was told they dont know why I was told that. I can tell you why because my account even had a due date of 01/16 at one point. I ask did they keep calls on file and was told no, but it says calls may be recorded when you talk to the reps.

I applied for the card thinking it was Capital One, not Credit One. I am unfamiliar with this company and called shortly after realizing they were not the bank I thought they were. In hopes to cancel my application as I did not want the card. While my wait time was minimal, the representative that answered had such a thick accent, I could barely make out that his name was Marco. I explained that I wanted to cancel the application as I did not want the card. When he asked for the name on the application, I told him my married name, but the apparently had my maiden name on file. I explained that was not the name I used for the application, and he told me it didn't matter, that was the name on file and I couldn't use my married name. I then asked to get rid of the application and I didn't want the card, he gave me a bit of a hard time asking why didn't I want the card.

Ok I have read all these horrible reviews, and I received my credit card in the mail, but I am not going to activate it. It says on their site if not activated in 14 days account will be closed, which is fine by me. Will I still be charged anything if I didn't activate the card? I should have read it closer, thought it was another Capital One card, I have 2 already & couldn't be more pleased with them.

I work for a financial institution and I take pride in providing the best service possible. This company needs to restructure the way their customers are treated!!! I had an issue with processing a payment online multiple times so I finally called the customer service line. To my surprise, I could barely understand the representative and there was no sense of urgency. I was on hold for 30 minutes at a time, being bounced around from one department to the next. I honestly hope I never have to call customer service again!!! Please avoid this company at all cost!!!

I applied for this card because there was no annual fee listed for the card. After I activated the card and paid my balance as I made purchases I continued to have a remaining balance of $75 (not listed on my on-line statement). I called customer service (very unfriendly) and asked why. He admitted the fee was not disclosed at the time of the application and was added at the time of card activation. No trust in this company!!

I only received a card in September, used it once in November and received the first bill December 9th showing a $25.00 late charge? Paid the total December 10th and cut the card up. I do NOT recommend anyone get this card.

The first time I made a payment it was on in 3 days every payment. After that takes 2 weeks. Got a call from them and they wanted another payment so I wouldn't get a late fee. My minimum payment is $25 I sent them $226. I had to argue with them and finally told them "charge me the late fee". Noticed the next day my payment was posted. Just going to pay this off and close account. Wouldn't recommend this card to ANYONE!!!

I was denial of credit for about information total wrong. I call Credit One Bank and I could not understand the person and I told them that and that person got nasty. I asked to speak to a higher person such as a supervisor and they put me on hold. After 30 minutes on held, I hung up. I call back and another person answer and I could not understand them, like talking to a wall. My complaint is they turned me down for false information. They say my credit score is 728, it is 760. My other credit cards are too high. I have 4 other credit cards and they are at 0 balance. I have a AAFES credit and the balance is less than $5000, 2 car payments and a mortgage. My monthly budget is less than $2400. My net pay is $7640 monthly. So where did they go wrong? I can't get any answer from them and can't understand them. Where do I go from here?

This is the most horrible credit card company ever! I have a $1,000 credit line, but when I log into to monitor my information online it says the limit is $400 and that I've not even used the card. I called to get the information updated... well that was pointless. I spoke with someone I could hardly understand and kept having to have things repeated. I also paid my bill over the phone and they charge $9.00.

Credit One Bank is not reporting my account and activity with the TransUnion or Equifax. They claim that they help you build your credit. How can that be when they are not even reporting it to the credit reporting bureaus? Not happy with this at all! Please, stay away from this credit card.

I had a small balance on the card ($24.97) and made the exact payment that was due a week before the due date. Thought nothing of it as with all my other cards you make the payment and life is good for another month. Apparently they recalculated something and decided I needed to pay another $0.03. Three cents! They managed to slip this in the day before my actual due date 12/14 and cut off my card the moment it passed. I transferred the .03 balance and will file a complaint with the FTC. I will dispute all late fees and relentlessly challenge any reports on my credit report. This company has managed to figure out a way to penalize you for pay late and for paying early. If there is any class action suit against this company I would like to be a part of it. It's not the amount, it's the principle.

I made my payment 4 hours too late and they charged me a late fee. So I made my payment early but it was too early and they charged me fees. This company has been nothing but a hassle to work with. NOT WORTH the product they offer.

Won't let me make payment that is not yet due. Reported a few day late payment of about 10 dollars to the credit bureaus they report to. Very difficult and rude customer service.

Who hire the people that answer the calls? No helpful customer service, hidden fees. If you want to destroy your credit score. They are the best, even if you make your payments on time. They have way to do it, charge you $2 over limit -(they charge I dont know why)-45 points. DO NOT USE IT or they over limit flag same day! I CLOSE THE ACCOUNT SAME DAY TOO!

We have had this card for a couple of years. We have other cards and ALL of my credit cards that don't charge a monthly fee I have set up on direct debit. We have lots of bills so EVERYTHING is set up on direct debit. Credit One does not provide this service. I believe the reason why is because some people will forget to pay the bill and they can charge the $35.00 fee. This bank is all about themselves and not about their customers. They have fees for everything!! If you call them it is like you always get the same guy that you cannot understand. DO NOT GET THIS CARD!! You will regret it every month. I can't wait to get this card paid off. I believe I will have just as hard time closing the account as I have had paying for it. Someone need to bust this bank up!! Close them down!!

I opened this card in august. The first time I tried to use it, it was declined. Really with a $400 limit, then got charged a fee of $35 for just opening the account not ever using it. Then I tried again to use it. I called to see why it was not working. They said because the card had a zero balance for 3 billing cycles it was closed. WTF? So I wanted time carrying this in my wallet and they closed it because I never used it. They are worthless. Do not get this card. Go to a real credit card company.

Do not use this credit card! Find other means to improve your credit. They have a fee for everything. Even a copy of your bill. This is a bootleg bank and good companies will not consider application that are affiliates of Credit One. To everyone who is trying to cancel their card and are having a hard time, get a money order for your last bill. Send it certified with a letter attached to the invoice.

It's a hassle trying to make a payment!!! The website sucks!!! And if you call it in they only take express payment which is $9 more you have to pay. They don't take standard payment over the phone!!! I really regret getting this credit card. I can't until I pay it off!!! I will NEVER go back to Credit One and I DON'T RECOMMEND TO ANYONE!!!

Want to avoid a living nightmare? Do not apply for this card! I haven't use this card for over two years. I keep making payments but every time I check my balance I only have from $2 to $4 credit line. Whenever I complain they hang up on me.

I have never had this card declined nor have I ever had an issue with payment. I buy a money order and mail in my payment certified or Priority mail. I also make a PDF copy of the money order and payment slip. I also made sure each payment includes a note letting them know I have this proof of payment.

I closed my account and paid balance in full to avoid the $45 annual fee and the gentleman I spoke to assured me 0.00 balance and called in time to avoid $45 fee. Started getting bills and after 7 call and getting the runaround and transferred all over the place I had to pay the fee after all. To keep from ruining my credit had to pay the fee after all.

After paying off card got billed for 3 more months for fees. Tried to cancel card - took an hour and still not sure. None speaks good English, very hard to deal with on phone.

I have read many negative comments about this company, but I have not had any issues until they sent me letter stating I made three payments on my account in one billing cycle and for security purposes they will not allow me to use my account for future payments unless I locate (2) minor deposits from them to my personal account, and report the deposit amounts on their website. They stated it may take 3-5 business days (could be 2 real time weeks) before the deposits are made. I called their Customer Service Center twice for an explanation, but they were very, very hard to understand. (English was definitely a second language.) The letter stated I could use a debit card or mail in my payments. It may be time to reevaluate keeping this account. It has helped me rebuild my credit, but I don't want to have to go through a hassle to pay them.

I received the offer for this card in the mail today so naturally the first thing I did was to vet it online. Funny thing I find about the consumer reviews: 99% of all the reviews on websites other than the Credit One site like this one are hesitant, tentative or downright negative about everything from fees to customer service. But on the Credit One website, the reviews are 99% positive. Now that tells me that either people who have negative experiences with Credit One don't go there to report them for one reason or another but rely on independent gripe boxes like this one or Credit One is selective in the reviews they publish. Adding a couple negative ones here and there to balance out their reviews and seem to be playing fair. They had a total of 1323 so that's a lot not to have more negative reviews show up.

I created this account just to make another warning to anyone who got the bait and switch like I did. Who doesn't like the enticement of 1% cash back on all purchase? Sound familiar? Our Friend Samuel L Jackson talks about this with Capital One! Look at the similarities between the two, their emblem, even the little half moon shape over the "One". Please be very cautious as to never do business with this horrible company known as "Credit One Bank". The only thing this company has in Nevada is a P.O. Box. Their operations are out of some third-world country where the sweatshop workers read a script and have absolutely no customer service skills whatsoever. I paid my $111.87 to these dirty rotten scoundrels, closed the account, and I hope to God I never meet one of these thieves in this life.

After reading all the reviews I literally feel so sick. I applied to this credit card company thinking that it was Capital One. I didn't realize that it wasn't Capital One, until I got an approval letter via email. I read all the horrible customer service, and I just got my statement today, stating that I owe $75.00 for activation fee. I read 0 application fee. Now, I feel stupid... I don't know how to close my account. I did make a purchase of 100.00. Now I am unsure to even share my bank account information. What could I do? Please help.

I feel obligated to protect the consumer and report DO NOT sign up for this VISA. I have decent credit, and never late with Merchant accounts and foolishly accepted Credit One's Visa offer. It's a loan shark business! I expect "Vinnie" to come knocking on my door ready to whack me if I refuse to continue this scam of a VISA card, it's truly that bad. If you get approved for $300 you really only have a $200 credit line and the first $100 will be charged at the time of your first purchase. They tell you they will charge $8.25 a month for the $75.00 annual fee, but then they take the initial $75.00 and additional fees for each proceeding transaction.

I am trying to make a payment for the first time and now all of a sudden the site does not work. When it has several other times I keep trying to call the customer service and they can't seem to locate my information and no one is available. What is going on?? I am now seeing all the reviews and am wishing I never got this card as I am trying to build my credit!!! Can someone please help as I don't want this to go against me and payment is due tomorrow.

I am having a really hard time cancelling this card. I paid it in full and phoned customer support and got a bot and I can't talk to a person. I will be mailing a letter to the Las Vegas address and will not pay anymore as I owe nothing. The 8 dollar charge will be after they receive the letter. If it comes to getting an attorney, a class action suit would be in order. This company is very devious and just hopes you'll pay the service fee for life. Stay away from this company.

Have had this card for OVER 7 years. I paid my balance in FULL in August 2015. Thought I was finished making payments unless I used the card again. Card has not been used since and it's December now. So back in October I thought let me check my account just to make sure everything was okay. Right off the back I noticed it said I had a past due balance. I'm thinking WTH. So I called to see what was going on.

I had received my card in the mail and had used it for Christmas gifts. Every time I used my card I was charged a fee but when you call them they say there isn't a fee for using your card, which is a lie. Before my bill was even due they called me and asked me to pay the whole balance off not even a payment. When I told them I was going to make my minimum payment when it was due they wanted me to set up an automatic payment and I told them no. Customer service is very pushy. Expect to get calls from them every month to get you to pay your balance off.

While using the new app on my phone to pay my credit card bill, I clicked "make standard payment", whole balance is paid. Called customer service immediately to stop full balance payment: they cannot stop payment. "We have no way to stop payment" states my customer service representative. Every other company in the world can stop a payment. Not this one though! Beware if you use the Credit One App!!!

I paid the balance in full and tried to contact them to close the account. There is no customer service option. I'm afraid to cut it up and mail it to them as they may claim they didn't get my request. How do I close this account out?

I am the type of person that would never take the time to write a review on a company, bank... but in this instance Credit One deserves my attention. First they never sent a bill. When I called 28 days later it was said my monthly billing cycle had incurred $50 dollar penalty! Which was waived after a 30 minute conversation! But with another fee to receive payment! Some odd reason, in very poorly spoken English the representative continued repeating the wrong balance after it was supposedly waived!

Credit One receives 1 star because that is the lowest rating I can give. I had a zero balance on my card after transferring the balance to a card with a lower APR. Over the Thanksgiving weekend, I received a call from the collections department because of a balance past due. How could I have a balance past due when I paid off the account? I'll tell you how; they charge an 'annual' fee of $8.25 plus interest on the fee every month. I informed them that annual meant yearly and that they were charging me a MONTHLY fee. I then said that I wanted to close my account unless they waived the fee so the lady transferred me to another lady who tried explaining to me that the fee is what keeps the operation running.

I paid my account off except about $20. They sent me notification that I had qualified for an increase in my credit line if I paid them a fee. I did it because I wanted to keep improving my credit. The same day they took my money, they closed my account. I have called on four occasions & they continue to pass me from person to person. I was even told by a supervisor that my account would be reopened and they would send me a card in 2 days. When I did not receive it in two weeks, I called again and spoke with James to no avail. He started me over with the same excuses. They said it was because they tried to send a payment to my bank, but my bank denied that they had received any request for payment. With more than 700 complaints about the same thing, it is time for something to be done.

I was recently laid off and I called my cc companies to see if they would work with me until I found a new job. I have several cards with Capital One, they couldn't have been more gracious and helpful. They told me they would give me 3 months were they wouldn't charge me a late fee. Capital One has stood by their word. I called Credit One to try and work with them. After talking to 4 different people for well over an hour they said they would give me 1 month free of a late fee. Well they lied, they charged me a late fee right away. I have been making small payments as a show of good faith that I am in fact trying to pay my bill, in turn I get no less than 20 collection calls a day and beyond the hours that they are legally allowed to call. When I do answer they are rude, belligerent, one man laughed at me because of my situation and proceeded to scream at me. Do NOT accept a card from these people you will regret it!!!

There is no customer email for this company; all requests for assistance, you either have to WRITE to them - who does this?? No one to monitor their emails? I picture Credit One Bank as being one guy in the basement in Las Vegas posing as a credit card company. They ignore requests for credit line increases. When you make a payment, they offer this outrageous method of "Express Pay", meaning you have to pay a fee to pay your bill quickly. They claim that if you pay the regular method, your payment won't be credited for 4 or 5 days - not true. Do not, I repeat, do not get a card from this "company" if at all possible.

I don't recommend this card. The first time a PAYMENT is rejected, your account will be suspend even after you made another payment and it's successful. They will lie and take payment but never unsuspend your account. Oh and never use a prepaid card to make a payment using the routing and account number, only use your bank.

I got this card to rebuild my credit. It was an unsecured card for 300 dollars. After I received my card I found out there was already a 82 dollar charge on it for its activation and service fee. I had 1 payment not go through and I called them the same day and they told me they are going to close the account unless I wrote them a letter stating why it didnt go through, a letter from my bank verifying my bank account which Bank of America does not even have a verification letter and then mail it to some P.O. box. So BofA give me a bank statement with all my info on it and I send it to them and thats not good enough. And thats when they tell me I need to write them a letter. Every call ends up in India or Pakistan. I've never spoken to anyone that speaks english. Credit One is a scam credit card. They want something to happen so they make their 82.

The absolute worst company that I have ever dealt with, period. I cut up this card to avoid additional spending and to pay it off after getting hit with fees for literally everything. Some fees including an annual fee that comes out monthly, a fee to get a new card, a fee to make a payment otherwise you have to wait 9 days to use your credit of that payment (seriously?!), an offer for an increase of credit but would still charge a fee and the list goes on!!! So, I recently lost my job and decided I would use the card again until I get back on my feet. I have been waiting over a month to receive this card! I was told it would take 7-10 business days. On the 10th day I requested they re-send (they said it was probably lost in the mail).

I received a solicitation in the mail for a Credit One credit card. All the information I received mislead me to believe there would be no upfront fees. When I activated my card and logged into my Credit One account I saw a $75 FEE!

Awful service, hidden fees... not worth the waste of time.

This company sent me a pre-screened app. I applied. They "approved" me with the SS info I input for them online, and all address info, etc... THEN required me (by letter) to provide a utility bill, ss number (proof/card) and a DL copy in order to validate or finally "approve" the account. They approved for a $300 limit, the least. However, with the credit I currently have, this was acceptable to me. Sent it all cert mail to them, and then contacted them by phone to ensure they received it. They received it BUT - denied the application for credit score!

This is the worst credit card in the history of credit cards!!! Please do not get this! These people steal your money. I'm not using this credit card anymore. I just can't wait to pay it off and close it!!

I see a lot of people having trouble with the website at Credit One Bank. I do not know what the problem is, I have been a COB credit card user for over 8 years, with zero problems. You can make a standard payment at zero cost, even on the day your payment is due. It does take a few days for the money to be added to your available credit. But, I always get credit for the day of the payment and no charge. I have never received a late payment using the COB website. But, I did get a late payment once when I mailed a payment and it was 1 day late, they reversed the charge, when I called. I started with a $500 credit line, after a bankruptcy and now have a $2,325 credit line.

I received this offer in the mail -- no fees, no activation fee, just $25 a month, supposed to have a $400 limit to start. Said would get card within 7-10 working days. 2 weeks later, no card. I told them to cancel, after fighting with them for over a week. About a week later the card company contacted me ask me to reconsider because they assumed the card was lost in the mail and give them a second chance. Like an idiot, I said okay. Took another 10 days to get the card, it didn't have a $400 credit on it, but a $301 line of credit. I tried to set up an online account to pay online, it kept saying the 3 numbers on the back was not valid.

I received a pre-approved credit card from Credit One (mistook it for Capital One). I received a bill which contained the amount of a transaction I had made plus a "previous charge and a $25 late charge" on it. I was baffled. Upon calling, a representative informed me that, that was for the yearly activation fee of $75 plus some addition amount totaling $81. I inquired how the hell am expected to pay a late charge for a bill I did not incur. I decided then to pay off the bill and closed the account. To my amazement I was charged a $9.99 fee to pay the bill. I was also told that they do not use emails when I requested a confirmation of payment. Do not trust this company. Someone should be looking into this company's illegal and shady operation. It is a scam. DO NOT, UNDER ANY CIRCUMSTANCES ACCEPT OR APPLY FOR A CREDIT CARD FROM CREDIT ONE! CORRUPT OPERATION!

Talked to 6 people just to cancel card. Haven't used it and they tried charging me $101.00. I told them to cancel it and I better not see any reflection on my credit score or I would contact the Attorney General's office. So they agreed to cancel and without charge. Also, disregard any other bills that may come since it could take up to 30 days. Every person I screamed at was from India. Hope this helps anyone who is fighting. Please contact Attorney General and make a report.

I was sent a letter that stated I was pre-approved for a credit card. I called in to cancel the card and then reactivated the card only to be harassed. I could not create a user name or password to obtain my acct information. I called in numerous times only to get rude CSR. I asked to speak with a supervisor on numerous occasion to no avail. They do not send out monthly statements. I received a telephone call the other day saying my payment was late. I'm like, "What are you talking about? I haven't even received a statement." Asked to be transferred to a manager/supervisor. Believe or not I'm still waiting for that call back 2 weeks later.

I have a credit card with them for many years. Recently I can't get into my online banking. It won't take any reset of email and password. I looked for a phone number to call and when you do all the numbers go back to the account balance, etc... You can't get a live person on phone and they do not address online issues. I do not get paper statement. I have no idea what's going on in my account. Now I keep getting a decline every time I use it. I want to pay the card off now and close the account and I can't even find out the balance. This is poor customer service!!!

Paid in full, denied charges. -Embarrassed repeatedly with denials. No customer service here. Closed nights, weekends, no help, passed around. RUDE.

They are HORRIBLE!!! I got the card and tried to pay online, I put the wrong routing number and it was returned. They asked for a letter from my bank. My statement is wrong they won't correct and have not done so since August. I wrote the BBB and they still didn't correct my statement. I got tired and paid them $500.00 of the $520.00 in October request to close the account. They reported me to the credit in October and I still got a statement for October and November charging me interest on purchase and I have not made a purchase since August!!! My husband paid his bill in full to zero balance and ask them to close his in October and they just sent him a statement saying has a -.28 cent balance and they still have not closed his. BEWARE!!!

I made an extra payment of 200.00, then had car trouble, went on website to stop or even reduce amount to use rest to fix my car. Nowhere on site to do that. Went through my bank, Credit One charged me a late fee, my account was up to date so I asked them did they know what late means. After that every month they claimed my payment was returned. Contacted my bank and was told they had not even attempted to cash the check. At first they are great until they suck you in, and I told them they were the worst mistake I ever made, and I am happy to be done with them. The site is never up to date. It is always a month behind. The try and charge for everything. Then when you call the number on the back of the card you get the runaround. If you don't have an account with them don't open one. They are a headache.

I will admit that I have fallen behind on my payments, but now the account has been passed on to another department, in which, when I ask for the number directly it's an overseas number. What is going on.

Do not get this card. This card do not have customer service.

Thank God I didn't respond. I received this card over the weekend November 14, 2015. Opened it, went, I got to work this morning. Thought seriously about responding, had logged into the site and entered the code given, when it struck me to check online reviews. OMG, I'm so glad I did. I'm shredding the offer, never to apply and not soon to forget the name "Credit One Bank".

I have owned several credit cards. This is by far the worst I have ever had! The customer service is HORRIBLE. It sounds like they are outsourcing from India (because every time I talk to them they have an Indian accent) and I can barely understand their English. They are rude, and pushy! There is a $9 fee to pay by debit card online and over the phone! I thought I had read all the fine print before getting this card and read nothing about the $75 yearly fee! I have never owned a credit card with a yearly fee. That's what interest is paying the lender for lending you money.

I received the Credit One card in April. I called to activate the card as soon as I received it. In May, I needed to make a payment to my doctor. His biller took the card number and asked if I wanted a confirmation number and I said "no, that's OK" (never do that). I had changed my phone number but my doctor's office had it. Finally some months later, I called my doctor's office to make an appointment and found out not only was I not a patient anymore, my account went to collections! I was livid with the biller. She said my card had been declined and she couldn't get in contact with me even though she had my home and email address. I have never had a biller of any company call me back to say, "oops, the card was declined." I still don't know why the card was declined but I lost my doctor. I cannot access my online account.

My card is lost, first they disconnect with me. I call back, I have to asked them to repeat their questions. They asked why I am calling, even though I called the Lost or Stolen number. They tell me it will cost me 25.00 for a new card. That is horrible. I have had financial issues and this was suppose to be my fresh start! They take advantage of people. Would NEVER recommend this bank.

Mistakenly, I made 3 payment in the same cycle. I received an email from the Credit One Bank indicating that three payments in the same cycle were prohibited. The Bank said they would forward the over payments back into my account. Later, I noticed no amount had been posted back into my account. I contacted my bank who looked into the matter. Eventually, the issue was resolved. The over payment was posted back into my account. The next day, my Credit One account was closed due to Customer Advises Not Authorized. They further stated it would be reported to the three major credit bureaus as "Closed by Credit Grantor". It's really terrible how they deal with customer!!!

Credit One Bank online statement is still showing that my 11/10/15 payment has not been received although it was made early. And yesterday, I tried using the card and it was denied even though I still have available credit on the card. I am now expecting the "late fee'" charge as so many others have. The US Attorney General's Office has to do something! This type of scam is hurting people like me who, through hard work and diligence, have built up their credit only to have it crushed by this heartless entity.

I paid $100 (my minimum was only $25) over the internet. After about 7 days I noticed it didn't come out of my account, so I called to see why and they told me that they hadn't received payment because the number I put in was one digit short. Now, when I did it, it posted the payment and led me to believe everything was cool (most systems would let you know if you didn't put the number in right), it didn't, because I didn't. Anyway, the lady told me to make another payment now, and I did but told her I shouldn't be charged a late fee because I was now paying after the due date, but I had originally paid before the due date. She guaranteed me that she would waive any late fees. Don't you know that I got a late fee, then today the account is closed.

Every time I call I get a recording that says, "NO ONE IS AVAILABLE TO TAKE YOUR CALL. Call back later." I have been calling for 2 days morning noon and night and I get the same thing. I even called the number to report a lost and stolen card and got the same thing. Imagine that I should have read the reviews before I took out a card with them. I will attempt to send in a written request to cancel the card. Let's see when they will get around to cancel it. Probably by next year so they can collect another annual fee.

I'm surprised there are still companies like Credit One. With a credit limit of $500, the monthly fee is $8.28, even though I never used it. It is called an "annual fee," to deceive people. Many think it is a one time charge. Nope. It is most difficult to cancel this card. Trust me. You will speak with multiple parties, all of whom are in India. They are difficult to understand. They also try to get you to accept alternate plans. One must finally throw in a few select swear words to emphasize "CANCEL THIS CARD. NOW." No matter how iffy your credit, you do not want to do business with these wretched people. Credit One is the Bank of Satan.

Repeatedly when I try to pay my bill online, it doesn't work. Then you have to pay them another $9.95 to get someone to do it for you. You have no choice. Then they say your bank denied your payment. You call your bank because you know the money is there and it hasn't come out. Your bank tells you it never came through. You call them back, you get lame excuses that their computers are down. Then they keep adding charges while things are not getting corrected. This is every month!!! It like a scenario they go through. You can't get a US operator. It says US on your bill but it always takes you overseas with both numbers you have. Doesn't seem like a trustworthy company and can't wait to pay off and cancel. From reviews it doesn't look like will be easy. Would never encourage anyone to get this card.

I know I don't have the best credit score. Seems like every time I apply for a card I get declined which itself drops your score. So I received an application from Credit One Bank and called them to ask them to stop sending me applications for cards. I had a hard time understanding the lady on the phone, then when I asked for them to stop sending me mail she wanted my social security number. When I asked why they need my SSN to stop mail she couldn't give me an answer. I gave her my address and told her there is no need for my social to stop mail.

Not only difficult!!! They charge $$$ for conveniences that all other cc companies that I've dealt with gladly encourage you to use - Credit One PAY ON LINE??? happens without intervention... Costs $$$!!! I will never deal with and recommend that no one deal with any of these - new name cc companies that offer deals that to good to be true... They are and it will cost you $$$.

I applied for a Credit One credit card about 3 weeks ago. I filled out the application online and was told that I was approved apart identity verification. I waited about a week and I received no call or no card so I proceeded to call the customer service number. I got in touch with this agent who was very rude and just brushed me off saying that my application was processing and I need it to wait. I then called back into the second week to check on it again and with the same exact voice answered the phone and told me the same exact thing. Just today I decided to call again to find out why haven't I been contacted if they need it identity verification.

Really p.o. right now with Credit One. Have been trying to get on this site for a minute now. When you write your password down to what you know you used and expect to go back to that same password and username and you cant seem to get in it pisses you off - and not only that but you call these people five times to try and get the matter resolved and they cant help you. You get even more pissed.

I obtained a card with Credit One with a high balance of 500.00. I had financial hardship due to loss of employment and they took me to Collection. Now I have been ordered a payroll garnishment of 1565.00 for a credit card of 500.00!! How does the state allow these types of GOUGING when obviously I was already having hardship with the initial debt? But to inflate it 3 times and ALLOW it is beside me as a consumer. Someone needs to SHUT THESE CC companies down!

I received a letter saying I was pre-approved. Silly me.. I applied and they send me my new credit card. I was never able to pay only for some problem with the website. Every time I called a non English speaking person would "try" to help me and charge me more money! This is so far the worst experience with a credit card company I had! DO NOT SIGN UP FOR IT!!

100% pure scam. I paid my bill and they returned the payment to charged 25 dollar late payment even though there is no problem in my debit card account. Stay away from this company.

You have to pay online and like 5 days early to avoid a late payment. Express payments cost $10! Their website hasn't been working for a week now and of course it's when my payment is due. They charge $5 to pay by phone and are not waiving this fee for me even though their website is down! And today I was hung up on by a representative after being told to try to log on again in 1-2 hours! None of the reps seem to be American either, so they must outsource. Avoid this company if you can!!!

Credit One is by far the worst credit card company I have encountered. They claimed I called and stated I lost my card which is false! I have now been waiting on my new card for about 4 months now. I am beyond livid and very disappointed.

Scammers recently made $600.00 charges on my credit card. Called Credit One and of course got India on the line. Told them of the charges and the Indian on the other line said the charges would be deducted, investigation would follow and concluded in 3 months??? Also I would be receiving a package in the mail to fill out and sent back to them. Of course the nitwit canceled 1/2 the charges but I did receive the package in 3 weeks. The package consisted of an affidavit, list of any other charges on the card not reported at the time (remember the nitwit) and a mandatory request of a police report. I complied and sent back all of it USPS envelope. (You have proof they got it).

About 2 months ago, I called and made a complaint because I tried to use my card at Home Depot and McDonalds fast food restaurant and was denied. When I spoke with someone, they told me those were not "trustworthy" places and that is why my card was declined. Seriously? Home Depot? So anyway she said she reset my card so I could use it. Happened to me again right away. HOW EMBARRASSING! Called to complain again and they said I needed a new card since this one was acting up. Told me they would expedite the card to me... Well it's a month later and two calls later and still NO CARD! I am so fed up with this company. It's ridiculous. When I asked to talk to a manager, they gave me a hassle about it. Do not recommend this credit card company to MY WORST ENEMY!!!

I've had this credit card for only a few months and can't tell you how many times I have had to contact them because of problems with my account. They are always extremely rude, one time being so bad I asked to speak to their supervisor and they refused to let me speak with them. I have never had so many bad experiences with a company in my entire life. Will be cancelling when I get it paid off. DO NOT get a card through them!

I wish I can rated zero star. I apply for their credit card in hope to rebuild my credit after bankruptcy but I have made a huge mistake. I have their card for 7 months now with on time payments. I keep my spending below 30% but so far I lost most points vs gain points. I have an account at myFICO and they show me everything. On a month I carry zero balance, myFICO show they reporting saying my balance decreasing to a 100%, that drop 20 points aka scores. When I carry a 20% balance, myFICO show they reporting saying my spend has increasing to 100% which also drop me 30+ points. If is wasn't of this stupid card I would've good scores. I will not recommend anyone to open this card for rebuilding credits. They will only do more harm to your scores.

This is the most corrupt credit card company I have ever dealt with. They are a high interest rate. They will tell you your payment is a certain amount and after you pay it they say your payment amount was higher than what you paid because they tacked on more interest and then charge you a huge late fee. I closed the account and they still did this practice so they could keep me from paying it off. There needs to be a class action lawsuit on this company. Do not get this card!!!

I call them several times. They are very rude. I try to pay by phone. They told me I have to paid 9.00 dollars. I can believe also is not true they help with your credit worse my credit dropped because you can use only half of the credit you are approved. Why they give credit if you can use this card is a nightmare.

I have had the card for 3 months. I have paid every time it's been used even before having a minimum due. I decided to go pay and I entered my bank account off by one digit. To my surprise I now have a closed account. I called and the first guy "david" was completely rude. So I went off. He could barely speak English as it is. Then I called back to hear I have to wait 7 to 10 business days and to call back to know if it's open again or if it isn't. And I can't even log on to just pay the rest off. This is a joke. I have both phone calls recorded completely on my phone and plan to fight this if this becomes negative on my credit.

Basically I was trying to make an unscheduled payment as I needed availability of my line of credit. They told me that I could only make 4 payments every 30 days. I was trying to pay $200.00. The original terms & conditions did not stipulate such. After several attempts using different web browsers per their instructions, they finally told me of such internal policy that they have. They did finally take the payment using my debit card. I've never heard of such prepayment bogus policy. I explained to them that in essence they are withholding the right we have to make as many unscheduled we choose to make. Awaiting their call back.

I reluctantly got this card, but need to build my credit back up. I used it once, and 2 days later on Oct. 20th made a payment (20 days prior to payment date). For some reason the payment was returned, and I received an email from them stating that if it happened twice my account would be closed. On October 31st, I logged back in, verified my checking account information and made another payment. Again, this was 11 days prior to payment being due. Again, it came back as returned. I called to ask why, and was told various things. The first person told me that they were unable to locate my bank so they have closed my account. She suggested I call Wells Fargo to see if they could figure out why. They didn't see any transactions attempted. I called back and got a complete idiot who wouldn't listen to a word I said.

Don't ever use Credit One Bank! I was going through a rough time and needed some assistance. I opened up a credit card with them. After reading the terms and all, I figured it was my best bet to just give me that little bit of extra help... HUGE mistake. When I got my card and first bill, I had a fee of $50 that I didn't spend on my card as a one time fee. I called them and told them I didn't read about this fee. I wanted to cancel the card. They said they could decrease it to 25. Finally I said OK simply because the customer representative was rude and pushy. I call today to change my address. The lady I spoke with could barely understand a thing I said and pushed that I paid my total balance without even asking me what my reason for calling was.

This is the worst company I've ever dealt with. My account has been hacked over a dozen times and they keep assuring me it's been corrected and then it happens again. My address has been changed without my consent, they keep adding an additional user on the account, whom I don't know then they charge my account the fee for it. Then I don't receive my statements because they are being sent to whomever changed the address which means they now have my personal information. Then when I called customer service to report the fact I hadn't received my statements in awhile, they blamed me for not noticing sooner. I put a special password on my account months ago to try to prevent this from continuing, but it still keeps happening.

My credit score was low 500's. They offered me a card. YES it had a fee & high interest BUT what do you expect with bad credit. Now I have cards with numerous companies including Capital One. Thanks to Credit One.

I lost my card and was not receiving statements. Therefore, had no way of paying my bill without this information unless I wanted to do it over the phone and pay a 9.00 processing fee. I called the minute I lost it and asked for a new card to be reissued. Two weeks later I make the same phone call. Then I receive a phone call that my payment is late so I pay it over the phone and they waived the 9.00 fee. Then again no card and the cycle starts over again but now they will not waive the fee to pay so I continually have to call and fight with them. Still no card, no statements and no way to pay online. Then I am told that since it was late they closed my account. They have caused negative activity on my account and they should not be allowed to service anyone. I am now reporting this to the credit agencies.

For the record, I have never in my life left a review. This is to save you all. First and for most, there should be a negative star option for Credit One Bank's performance, by far the worst. I would compare dealing with this company similar to the traumatic experience you endure from your childhood dog dying, except worse. Never in my life have I been so disrespected, forgotten about, and screwed over by a company.

I received a notice that I was preapproved for a $300 credit card, and had to finish the application process. The first thing that went wrong was that they needed paper copies of my identification documents, a copy of my ID and my Social. Already this is a bad practice, putting your ID in the mail system. After waiting 2 weeks, I called the customer service, and found that they were not fluent in English. This caused a communication issue, where I was unsure on what he was saying. In the end, I had to call each week for 3 weeks, just to "get my card generated" as they said.

I gave them a star because there is no way to give it just ZERO. They are total liars! I received a letter offering a 2,000 limit credit card 0% fees. They ended charging $75 plus late fees for not paying it. (When I was not expecting a charge of anything!) They waived the late fees but still I had to pay the registration fee. I used the card because I have a credit for a return. Every time you use the card they charge Finance Charges, regardless if you pay on time or not, and regardless if you have credit on your favor!!! TOTAL SCAM SINCE THE FIRST MOMENT. I canceled the card and waiting for a check on my email with the credit I have for a return. Unbelievable.

I have had this card for almost a year now for Credit One and have had nothing, but problems. They still cannot figure out why I can't log onto my online account, after a year. If I call with an issue they are very unprofessional. I have been yelled at and talked down to by employees. I have called multiple times to try and figure out my online stuff and have been told several different things. They harass you if you are late on a payment, but won't make things right so I can have an easier way to pay my bills and track everything. When I pay this company off I will close my account and never go through Credit One again. I plan on sticking with Capital One who works with you and solves every issues I have with no problem.

Deception! I applied for a credit card and was approved for a $400 credit line. I accepted it because Credit One Bank terms are that the $75 first year annual fee will be deducted from the $400 upon receipt of the first statement. And this is a lie. I have made no purchase yet, and received a statement asking me to pay for the $75 annual fee and the bank also charged a $25 late fee and in addition a $1.04 interest fee!!! Total $101.04 they claim I owe. This company is out to get you. No integrity whatsoever! I will not use their card. Moving on and away from their disgusting practices. My rating is actually below one star.

Called the 877-825-3242 to cancel my card that was newly activated and canceled within minutes on November 3rd, 2015. Representative started off great and tried waiving $25 then $50 dollars off annual fee if I just agreed to keep the card. I told her I just wanted to cancel after reading all the bad reviews (the worst on any credit card I have seen). Then became angry at me for not keeping it a couple days to think about it. At this point I completely stayed pleasant and repeated to please cancel my card. She then gave me cancellation number and Representative said nothing more for me to do. But I still looked up credit card cancellation letters and sent one to Las Vegas where their Card Center is to make sure it gets cancelled.

This company preys on individuals just starting out or individuals that are in need of second chance credit... The best that could happen for all is that they are investigated and shut down or even better lose their banking privileges. Stay far far away from any advertisements from this bank... There is nothing good to say about circling sharks.

I can't for the life of me begin to understand why I was charged a fee for a card I never used, never even activated it after reading the reviews on this card. $75 fee and 6.95 for my color choice and style of card...... SHENANIGANS!!! I get emails telling me to activate my card, about 3 since I got it last month. Just got a letter in the mail telling me to activate today. I paid the bill in full but at this point I don't think I wanna use it. Feels like a set up.

If you get one of those pre-approved offers, don't respond. They need everything except your first born and they want you to mail in copies of documents such as SS card, ID, etc. In this day of fraud, who is going to do that? After two calls to customer service, I was given two completely different stories as to why they need this information. Very shady... don't fall for it!

This credit card company is a horrible scam! They charged me 145$ for a 25$ transaction! They charge you every month, even when you don't use the card. I called and asked them to close my account. I actually BEGGED them since they wouldn't cooperate... I begged 2 people and finally they said they closed it and when I asked for a confirmation number they wouldn't give me one. Later on, I called again and the guy told me my account is still open. Luckily, he agreed to close it and gave me a verification number.

I try to use my card and it was declined, I never used the card. When I try to calling customer service I was told my card was not valid. Crazy! The customer service rep couldn't tell me anything. Every time I called I got the same person, no help.

Terrible Credit One is. They claim they are here to help you rebuild credit, they are not. Also I made a double payment two weeks early and did not receive my credit limit. And the express payment is a joke, they charge you $9.95 plus whatever your payment is. Credit One is a joke!

Had some financial difficulties 6 months ago. Continued to receive statements from card company. Was able to pay entire amount off. Customer service told me that the payment would credit in 3 to 5 days. What they neglected to tell me was that the company had already closed out my account. I repeatedly contacted customer service to verify that they had received the full payment and that the account was back in good standing. After 5 separate calls, I was finally informed that the account was closed. I have no problem with paying my obligations and don't even mind that the account was closed. I do not appreciate not being told the truth on the first phone call. Tell me upfront what's going on. Do not waste my time!

I applied for a credit card with Credit One Bank. I received the card in the mail and tried to activate it. A representative indicated I needed to mail a copy of my state Id to an address in Nevada to activate the account. I have never mailed copies of my ID to a company for a line of credit and won't start now. Credit One ran my credit isn't (everything provided on my application matches my credit report) so why ask for the ID. With identity theft being a big concern they need to find another way to verify their customers. One more issue none of the customer service representatives are in the US. I asked to speak to a representative in the US and the associate transferred me to fraud. I wish I could pick zero stars.

Customer service is horrible.... Charged fee--- some interest on purchases of 3.51 on a day when statement came out before due date and I had no balance carried over. Previous month balance was paid in full 9 days before due date. I will pay 3.51--- I hope they use it for chemo- and they all die soon....

I did not have this credit card and I am glad about this but my husband has it. I help him pay for this credit card every month and never ever see a lot of charges like these before. Everything you do, they charge you a fee. For example, lost and get the new card - $25, increase credit limit which I always say no when it pop up online but they increase by themselves and charge you a fee, annual fee, late fee. All are overcharges that other credit cards do not have. Do not fall for this. Do not apply for this card. You will get the bad services and when you want to close the account, you still have some charge after that. You have to check and call them many times to make sure that the account has $0 balance which I will do too.

I never had a problem. All my transactions went through. They plainly state all fees. If you ask for a CLI and get it, they will charge you. If they give you a CLI without requesting it, they don't charge you. The annual fee is in bold print along with all other fees. If you use your bank's bill pay, your account will be credited the day after you scheduled the bill to be paid. Example my bill is due on the 30th, I schedule my bill pay on the 15th of each month. My bank sends it on the 15th to be received the 17th. Well when I check on the 17th my credit one payment was always posted on the 16th. And I paid my account off 2 weeks ago and closed my account because on Oct. 29th 2015 would be my 1 year with them and I wasn't going to pay $8.50 a month for the next year.

This company is preying on consumers with poor to fair credit ratings. They offer credit card accounts with high interest fees, monthly charges for membership fees, increase credit limit fees, pay-over-phone fees, late fees, (you breathe on the phone fees), kidding on the last one! But you see what I meant, fees up in ying-yang! No grace period even when you paid on the same day (passed certain time), and you can't do reoccurring payment through your bank or auto pay either. This company is banking (pun intended) on fees, and those consumers with fair credit will make minor mistakes. Customer service agents are in the US. No problem there, but beware of the limited things they could do. Bottom line, avoid this Credit Card company like a plague!

Holding a 867 refund could hold it for 45 days. When I call they told me 7 days. Then 30 days. Then 7 days. Then 30 days.

Such a terrible credit card company... First they sent me the app for the card and stated they were no fees or anything. Surely I accepted. Upon receiving the card and never used it, there was a $75 one-time fee from them. I decided to close the account as they refused to waive this fee and I knew it would affect my credit but they were so bad, I decided to close the account anyway. I tried to pay the $75 monthly to pay the fees but they would hit me with late fee upon late fee and then they refused to waive the fees. Their customer service is all outsourced, they are inefficient, incompetent and just very bad with their English. Worst credit card!!! Don't ever sign up for Credit One Bank cards!!!

The POPE was in New York and I lost my wallet, I contacted all my credit card companies Chase/Amex/Citi. All of them overnighted me a new card, now CREDIT ONE BANK is a nightmare. I called them in August 2015 to explain what happened, was told a replacement card would cost me $25. I ** really that's unheard of and it would take 10-19 business days to get to me. After 2 hours of ** with 10 different reps none whom spoke English I finally got a woman named Tiffany on the phone from Collections Dept to tell me, she'll get it mailed out to and no one here knows what they are doing, they are instructed to transfer the call to a (phone pool) which just circulates the call to anyone available. Finally some closure, so I thought.

Received a pre-approved application for Credit One credit card. Filled it out online and was "really" approved and received my card in about 2 weeks, with a $300 credit limit. I wasn't expecting much because I'm rebuilding my credit, but I charged on it and made more than minimum payments and they raised my limit $200 within about 3-4 months. No problems, I have not had to contact them yet for any reason, I get my credit score on my online statement and I make sure that all the "text notifications" offered show up on my phone which keep me on track to pay on time. I really appreciate the credit, thanks!

It took them a month and I have to receive and fax that I sent them, and when they receive that they wanted more information. They wanted to see my P.O. box mailing address on my driver's license and you cannot put a box mailing address on the driving license. They are the sorriest credit card I have ever applied for.

I too closed an account with them and they continued to send me bills for 8.00 and other change amounts. Harassing me and milking money from me saying, "oh your account isn't closed." I am reading all of the complaints and yet nothing has been done to stop them. I'm getting my lawyer and suing them next. I did get to the point of yelling and to top it off, YOU CANT UNDERSTAND A WORD THEY ARE SAYING. REALLY???

I have tried multiple times to login to the website in order to pay my bill with no luck whatsoever. I have called numerous times trying to get help and everyone I have connected with speaks such poor English that I can't understand them. I have no checks so I can't mail in my payment. Please have someone call me that can speak English without such a thick accent.

I have been trying since March 2015 to close my account with Credit One to no avail. I speak with customer service reps, obviously off shore as they cannot speak English well, and am told the account will be closed, yet the monthly membership fees continue to accrue. If I don't check monthly to make sure a membership fee hasn't been charged to my account, then I accrue late fees on top of the membership fee, plus interest. I paid off the balance I had from using the card for gasoline purchases on a vacation from year 2014; $600 bucks paid off long, long ago!

First of all, why can I NEVER get anyone English? Second of all, this credit card is a complete piece of crap! My other two credit cards are NOTHING like this credit card. Please, don't get this credit card. SAVE YOURSELF!

I signed up for this credit card and I regret my decision beyond words! I used the card two times, once for my $48 car insurance and another time for my $98 cell phone bill. Initially both things went through and about a week later I found out the charges were denied. After reading other reviews I decided to call Credit One and cancel my card. The customer service was ridiculous and she told me I owed them for things that never went through. Now I am in collections for $531 for NOTHING!! WHAT A RIP OFF!!! They are hurting my credit for no legitimate reason.

I did have two separate payments returned from my checking account. Both incidents occurred because of unauthorized activity on my checking account which caused an overdraft. Credit One suspended my account and required me to write a response and mail it to their office in Las Vegas. I could have sent the same letter in seconds by email but they insisted on mail. After weeks of delay they did not accept my reason without verifying the information with my bank and cancelled my account. Now it is difficult to make a payment because I am blocked from internet access. This company is poorly run and is pathetically unfair. If you are considering this company DON'T!!!

I signed up for this card because I thought it was a Capital One card. And, while I know that was my fault for not paying better attention, it is named "Credit One" and the logo, font, color, and placement are EXACTLY the same as Capital One. It's an easy mistake to make and one they do on purpose. I'm surprised Capital One hasn't sued them yet...anyways, I DID pay close attention the other offer and nowhere did it say there was an annual fee.

In August I paid my account like always. On time. In September I noticed I hadn't received my email billing reminder. I tried to login and couldn't. Someone had charged over $3,000 on my account. Now they are telling me that they will Lower my APRA SO I can catch up. Excuse me! I didn't make those charges. And the first person I spoke to said she can determine I didn't. Of course you can barely understand any of them. I've called them multiple times. They are harassing me now. This place is a joke! I never have charges over my account.

This place is ran by complete idiots. Foreigners can't speak clear English. I had a transaction with a company which took $166 dollars out of my account, the cost was $134. The company only received 134. I talked to three different employees including the supervisor. They all had three different excuses why the $32 was not put back in my account. Please do not accept any credit from this bank!

I was sent a pre-qualifying application in the mail and thought everything looked good so I went ahead and got the card. Big mistake. The interest is higher than I agreed to, they NEVER once mentioned that I would be getting a charge just to "order" the card and there are always random fees. Even if you are over $100 from your card limit that's not what funds you have available. And customer service doesn't have any answers, the mobile website NEVER works, and I would say a good 90% of the time I try to log in to make a payment it tells me "the system is unable to verify your username or password". Also, if you happen to make your payment ON your due date, you'll be charged a late fee. The customer service is never friendly. The card itself doesn't always work. So I've paid it off and will never use it again (closing it will just look bad on my credit).

They're terrible. If you're late on a payment they constantly call you. I was late once and they called me 8 times in the span of 3 hours. It's ridiculous. They are rude and they want it then and there. They are so rude. I was sick last week and they called me at 8:00am. It's so stupid and Credit One is stupid. I regret getting a card from them. Just ridiculous.

I will start by saying my husband and I have had Credit One for over a year. We have had multiple credit line increases. I know the interest is high and the annual fee is crap, but we needed an additional line of credit to rebuild our credit. We have never had any issues with them. We always pay well over the minimum amount due and have never paid late. Yesterday I took my kids shopping. I decided to use Credit One card. A $7.33 charge was declined. I thought it had to be the machine at the store. I paid for my purchase another way and left. I logged into the Credit One account as soon as I got out of the store only to find I had $1 available. I looked at the pending transactions and there were multiple charges that had occurred the previous day in another state.

I could not get their website to work. So I called customer service; it take 20 minutes to even get someone on the phone. Then they were in India; I could not even understand the guy, so I hang up and called back and got another guy in India - his name was 'Ethan'. In the end they tried to charge me $10 to pay them over the phone. The guy said it was my fault that the website did not work. Arg.

They keep sending me these things (credit cards) saying pre qualified and when I call them no I am not. I also asked them to stop mailing me. They keep doing it too each week.

I applied and got approved at same day. I received first a bill!!! My card was supposed to arrive by October 13th and I was patient enough to wait until 16th. I did not receive it so I called to CS. They wanted me to wait for 2 more weeks, which is already a month with an account open, they don't accept sending it overnight. And still the bill of activating the account... The lady said I did not want to pay it until I have my card in hand, so I asked if I would receive a letter stating that... Of course not!!! Well, I closed it and I will for sure NEVER regret on that. If they messed up with a brand new account I don't want to even see how would be after....

I hate the day I got the credit card. The card works at certain vendors and some it doesn't. Customer service is pushy and hard to understand because of their Eastern accents. I want to close this card so bad but I don't want to affect my credit score.

The first thing I look at on an application is the annual fee part. The application said nothing about an annual fee so I applied for the card. I get the card and activate it a few days later and it said my limit and available balance. Well once I used the card for a small amount, I noticed my available was not what it should be. I call in today to see why and the first guy hangs up on me, so I call back in and the guy was like "that is an annual fee on there." I informed him that the application said nothing about an annual fee and that it is not showing anywhere online and that I was online looking at it as we speak. He then tells me that once you activate their card, it charges you a fee. THIS COMPANY IS A SCAM AND SHOULD BE SHUT DOWN. Now it is saying the annual fee charge on my account after I talked to them.

I have had this card three years and it's always been accurate. I have had credit increases and pay it one time. The only problem is, the online site to pay does not update right away and shows you still owe a payment, when you already have paid it.

I set up an account online to be able to make payments online and can never log on successfully. I don't always have checks to send or am nervous about forgetting and sending a late payment. They charge a fee to make a payment by phone and there's already a yearly fee. When I call I can't even understand customer service! It's not worth getting this credit card. Too much hassle.

My husband was deploying and I failed to set up a payment (whoops). Mind was somewhere else! I received a call and when I called back, the woman was asking me for my card number. I said "I'm driving, can I verify myself in other ways?" So after the verification I said "Oh I bet I forgot to set my payment up. My husband just left" (you can't set one up in advance it's an automatic withdraw). She said "Mhm I hear you. I'm going to charge the account on file for the minimum payment" and when I said "No, I do not authorize you to charge. I will do it once I arrive home. I might want to use my separate checking account," she says "Ma'am, pull your car over and take out your debit card to pay." I replied with "Excuse me? I'm on a road with no shoulder. I will not pull over. I will check my account and make a payment when I get home".

CREDIT ONE BANKING: RATING --> BELOW F-. ZERO fax numbers, no active emails (CEO/CFO Robert DeJong for corporate contact). Robert DeJong President and Chief Executive Officer Credit One Bank, NA 585 Pilot Rd Las Vegas NV 89119-3619 Phone: 702-269-1000 Fax: 702-269-1260 (DISABLED rings hangs up). ANY/ALL emails are returned ' UNDELIVERABLE'. All numbers listed under 'CONTACT US' via their website (https://www.creditonebank.com/contact-us.aspx) are call centers in Philippines. This company lists PO BOX as means of communications.

I have to review because I know a lot of negative feedback always gets put out there more than positive feedback... But I don't believe all the bad reviews out there for this credit card, simply because I have had nothing but a smooth, simply great experience with this line of credit and their customer service. I have moved recently, and all I had to do to update my address was simply get online to my online account, and change my address in my profile. As I was logging in to do so, prompts came up, saying I was eligible for a credit increase, and to accept all I had to do was simply follow the prompt to accept my line of credit increase.

I took Credit One Bank credit card they offered me very less amount less than $500. And they charged me $$ annually fee 1st day on my card. And they charged late payment on it. I used not even $20-30 on that account. Customer service is hell, they are talking like whatever they want on phones. Especially lady supervisor. It's one of the worst ever credit card company I have seen... I have 5 credit cards of worth $$$$$$. Never ever faced situation like this for just $300 credit card they are behaving like **... I even didn't used it 10% also. Worst bad ugly bank services... Save yourself.

This company has been nothing but a scam. At first, they let us start using the card, and then they froze out account. Stated we had to call to verify. The account was in my husband's name, and me an authorized user. The suppose customer service rep, was very rude, and I tried to explain that I was trying to make a payment, but he stated that he couldn't take the payment from me. It had to come from my husband. Stated he needed to speak to him.

I called to report my card stolen. After being hung up on twice, I finally talked to a man who I could not understand. I asked to speak to someone American and they did not have anyone. After giving the company my information, my card was not cancelled. I am very disappointed in this company. I am going to call back and call back and call back until I can reach someone American. This company is not what I thought it was. I would NOT recommend using their services. EVER!

I mistakenly got a card from them in a tight spot. However, I got the card, my payment is due on the ninth and they called me like crazy and not say anything just hang up. Then when I call back they like, "You need to make a payment today." I said, "My statement said it is due on the ninth, why are you calling me now?". I am going to pay it off and cancel.

I moved last year and updated my address online yet Credit One still sent my replacement card to the old address. I have contacted Credit One 4X over the last month for a replacement Credit Card. Every time they say they updated my address and sending out a new card but I have yet to receive it. This is my last attempt. If I don't receive it I'll close the account.

I received Credit One's offer in the mail, READ ALL OF THE INCLUDED INFO AND DISCLOSURES, and decided to sign/return the acceptance form. Due to being diagnosed with a serious, progressive disease, I became unable to work after a time and my new financial reality included losing my house to foreclosure and wrecking my credit. I've adjusted and have been slowly building it back. I really needed a credit card for travel because I often need to go out of my area for surgery and treatment. I've had this card for a few months. Yeah, the interest rate (19 percent) is high but have you looked at the rate for some store credit cards? They're about 24 percent, too. I'm not thrilled with the "hard sell" aspects and fees for everything, like the push for the additional user and special design card. I ignore it. The expedited payment fee of $9.95 is too high, I think.

I had applied for a Credit One Bank Card, they gave me $500. Fine. I purchased a few items. Made two payments which were over the minimum due. Received confirmation numbers. Bank account was withdrawn. For a period of two months I received harassing phone calls from the company from various states in the US, all Indian representatives telling me the card was never paid, I owed fees and I was to pay it at once. When I protested I was yelled at and threatened. I ended up calling the company paying the full amount and closing the card altogether with an assortment of threats of my own to let them know I was not to be harassed and that I was reporting them to the BBB and Consumer Affairs.

I received an application in the mail from Credit One Bank. Since I am not only disabled since 2005 and unable to work, but now also a senior who lives on a small fixed budget, I thought I would just get this card in case of an emergency. I NEVER activated the card because of some health issues and the passing of my sister. I received a statement in the mail from the bank, charging me an annual fee of $75.00 and some premium design fee of $8.95. So I got on the phone for 4 hours straight, trying to talk to someone in the United States. IMPOSSIBLE. All calls go directly to India.

My card was stolen and every time I call to report it they "transfer" my call the account specialist which disconnect after 10 seconds. Call back and asked to speak to the supervisor and they send it to the "account specialist" again...

Please bring your customer service to the States. Every time I call these people talk like robots!!!! I'd like a real person who can understand what my needs are, not someone who keeps repeating my name like a robot and telling me they understand how I feel over and over but yet does NOTHING TO HELP ME!!!!!!!

When I tried to use my card in a city next to me (same zip code as mine) it was denied. I told it's because this was a high-risk store due to it being in a different city. I spent 6 hours off & on the phone trying to resolve this issue.. each person said something different. One person would tell me I had to wait 2 days to use the card, another would say the issue has been fixed & I can use it. I spoke to a supervisor twice. I ended up at the store twice both times leaving with nothing because the transaction wouldn't go through.

When I signed up for Credit One credit card, it said no annual fee. I activated the card but never used it. I received a bill 4 days later for $100.95. I was outraged! They charged me $6.95 for the card, $19 additional user and $75 for annual fee. I have never agreed to any of these charges. Where did they come from? I called and got someone speaking English with a thick accent, seems like India. They listened but restated the bill. I asked for a supervisor and got another Indian. Same comments. I asked for a supervisor within the USA. They promised me a call back. Still waiting?

Okay, so I made a mistake and like an idiot I made the same mistake twice. I have 2 banks information for my online account with Credit One and I accidentally used the wrong account not once but twice, so they suspended my account. No big deal. I get it. I made the mistake, but now I can't make a payment online! So, I either have to call and pay $10 to make a payment or order checks so that I can start mailing payments in. Who writes checks anymore? Not me! I love in 2015 where everything should be done paperless! Do they not care about our earth?

Ridiculous customer service. Call their 800 number, wait 5 minutes and they dump your call! Call back, it does it again. And again and again. I finally got some foreigner on the phone. I need to discuss a discrepancy between their records and my credit report. I got absolutely nowhere with her. Any other business would be out of business with this sort of customer service. At the end of the day, I don't qualify for a mortgage because their reporting dropped me below the 740 score that I needed. I am a very responsible user of credit and always pay my bills using autopay features. I'm laying this one right in their lap. This is a pathetic company to do business with. If you choose to ignore this review, good luck.

I wanted to start fixing my credit. I was credit card free because of a BK13. Boy did I pick the wrong bank. First few months were ok, then they raised my limit without notifying me. I was keeping close tabs on the account when I have a raised limit and 3 charges on the account from a town 100 miles away and it was with a store that we have 4 of in this town. When I called I got someone who was hard to understand but he did say that they would look into it and cancel the card and I would be getting a letter to sign and mail back.

This bank sucks. I don't even know if we should call it a "bank". I called to cancel my credit card, however, they never cancelled it and charged me a late fee. They cashed my payment check on 8/6/2015 which was 6 days before my billing cycle date and there was no new transactions after I cancelled the card. I cannot believe what they have done. And the rep. who answered the phone, I don't need to repeat... Everyone who calls them know. This kind of "bank" should be closed, totally have no professional ethics. People, should we report them to the govt./any agency? We hate what we have experienced with them. Feel we should let other people know how bad this "bank" is and stay away from them. This "bank" is scam and BS. They should be ashamed!

Every time I call customer service to see what one of my inquiries is, they don't answer me, they tell me "well, we are going to cancel your card and this will be fraud" then they put you on hold for about 15 minutes so you can't tell them that's not what you wanted. They are awful and now I have a nasty letter from them telling me that they were going to cancel my card for all of the frauds... What a crazy company and also you can't understand any of them. I have always paid on time and this is how they want to treat me. So be it, I will cancel with them after I pay them back and give them a bad rating. Also, after I read some of the reviews, I see I'm not the only one having problems with fraud...

Called customer service (that term does not apply in this case). I discovered that (a) that department is in New Delhi, India, and the only address is a P.O. Box in Las Vegas. Nothing is more frustration to men than try to talk to someone on the telephone, whose English is so poor that I cannot understand them. I question that this company is even an American based company. Actually, this looks like a huge scam to me. Yes, Credit One has paid the business where I made charges. However, I had $36 available credit when the $90 - $95 - $95 were presented for payment to Credit One. All these charges should have been denied and they were not. They assume that because I want to protect my credit rating that I will pay these?? Hah - NOT!!!

I've had the Credit One Bank Visa for just a month and I'm sorry I ever signed up! They misled me to believe I was signing up for a Capital One Visa! Same logo, wordage, etc. I just didn't look closely enough when signing up. I got an initial credit line of $300. When my due date arrived, I attempted to sign in to the account to pay my bill. Upon doing so, at approximately 7PM, I noticed a late charge of $25 dollars was assessed to my account, even though it wouldn't officially be late until 5 hours later. I attempted to pay the bill anyway and was unsuccessful until the following day.

For the past two weeks, I have tried to log into my account. An error message pops up and give me a 1-877 number to contact Credit One. Every day I call, I get an operator that cannot help me and my call is transferred. I am then left on hold with a recording and then out of nowhere the phone hangs up. I have paid my bill on time for over a year. Now I going to be in a battle to avoid late fees and then reporting negative on my credit report. I am so upset would cancel this card if I could get a hold of SOMEONE! Sincerely, Unhappy customer.

Credit One is a well thought out way to scam consumers. I knew it was a less than stellar card; I also was well aware it was NOT Capital One, but I wanted to build my credit. I went ahead and applied. I was told I was approved with a $500 limit. Minutes later I go back to that screen and see that it's been declined! I call and they tell me 4 different stories. The supervisor I spoke with had the nerve to tell me they check your credit after they approve you! Who does that?

I called and requested my cards to be cancelled. I have a disability issue. They said "ok", but my card now has a balance from their fees. I am a struggling student! I have no money!! And I suffer from a serious disability!! Why? I paid off both cards.

Basically wanted to try out a card after coming out of bankruptcy. Thought this might be the one, but please read one. 1st, they charge the annually fee IMMEDIATELY then the fun begins. It takes 5-7 days to post payments and online payments are routinely refused for unknown reasons. So, if you pay online right before the due day, it will be about a week later before you realize it didn't go through. Then they start charging fees, late charges etc. If you do call India for the customer no-service, they say, "Call your bank, call your bank!" Overall I would rate this a scam. Legal, but a scam. My advice, make copies of the statements and snail mail all your payments. Yes, mail via the USPS. That is only way they will post your funds. Then when you have a zero balance, it will take a while. Then close the account IMMEDIATELY and walk away.

Please someone help... How can a card that has a $350 limit with a $75 fee for activation and was paid off over two years ago with $411 check stating paid in full now has been turned over for collection of $757? I don't understand this company and who can help fight them?

Today for the first time I notice a charge on my statement for $8.95 showing as an annual fee. We I called customer service, I spoke with a representative from India. I immediately asked if I could speak with a call center in the states. As we all know, this option was not provided. I was told I could speak to a supervisor. Guess what I was given the same person after 6 separate phone calls who stated they were the supervisor, Terry was the name provided.

Let my wife whom I am separated from open an account under my name. Did not verify my signature in any way. Then when I advised them I would take care of the situation, they refused to give me any information, card number, security code, expiration number. etc. to make an online account to make a payment. Very unsatisfied customer and would never recommend them.

I regret applying for a Credit Card with this Bank. They call every morning every night from all different area codes. The last thing they did was call my work number. I am paying this card off to have Nothing to do with them EVER again!!! Beware you have been warned of the harassment you will receive.

When I signed up for my credit card with them I didn't receive my statements in the mail. I DID NOT ask for online statements and they NEVER asked me if I wished to NOT have my paper statements mailed to me. So when I realized that I had not seen a bill yet I called them to see when my payment was due and of course it was, with a late fee and wanted to make the payment over the phone. They said that the cost to make the payment over the phone was $9.95 but if I wanted to make a payment over the internet on their website then it would only cost me $4.95!!!

Called their customer service number to inquire about a payment I made over 45 days ago that was not posted to my account. I called them and they were rude. Why does it have to take over 45 days for a payment to be posted? They harass their customers also.

I received a statement in the mail stating I owed Credit One Bank money. I did not have business with Credit One Bank. I throw out credit card offers. I begin receiving calls in late July, early August from a loud background call center in India, with poor English speaking, hard to understand representatives attempting to collect on an account I never opened. They claim I opened a Visa in mid July of 2015, that I owed them a $75 annual fee and already am late on that charge, have a $25 late fee and am accumulating interest at almost usury rates of 24%!! I asked them how much they claim I owed. They claim I owed for purchases in actual purchases but with fees and late charges my balance was up to close to $300! I told them that I would never sign up for a credit card at that interest rate, nor have I ever had a credit card with an "annual fee" since I know better. The representative demanded I make payment as if he didn't hear a word I said.

I have not gotten a bill from Credit One so I thought I should create an online account. Turns out my minimum payment was due 9/14 and they charged me a $25 late fee!!! This is despicable. Not to send a bill or an e-mail notice or text or anything? And then charge $25 on a late $25 payment??? I am sorry I got this card and I used it. When it's paid off I am taking the scissors to it.

I opened my Credit One Bank credit card back in 2012. I had a $400 credit limit. I always paid my bill on time until I started getting charges monthly on my bill. So I asked them to please reverse those charges. Told them I was never informed of those charges. They told me it's in that small print that they mailed out, you know the paragraph or so that you have to squint your eyes to read it? Yeah there!!! I was under my $400 credit limit and stopped paying them. Now here I am working full time for me and my family and it is 2015 and they have processed a wage garnishment on me for a balance of $1,200!!! Wtf??? Do not get this card. COMPLETE SCAM AND THE MOST HORRIBLE CARD I EVER USED. WORST FEES AND HORRIBLE CUSTOMER SERVICE. This company should be shut down.

Paid entire balance on card off with a rush payment that I spent an extra $9.95 to process. A week later I notice that the entire amount has come out of my bank account but only part of it was applied to my credit card balance. I call them and they inform me that when making a rush payment to use my debit card rather than bank account info. to make the payment or it applies the payment in 2 separate but smaller increments. Truth be told I didn't need the funds on the card immediately. I just wanted to pay off the card then use it then pay it off and repeat as necessary.

I applied for this card to build my credit. I made a payment on time and it did not go through. I checked my bank info and did not see anything wrong but thought maybe I did not have enough money in the bank account I used when I made payment so I changed to another account that I knew had the money and made payment again. The payment once again bounced. They have now blocked me from accessing my account online. I called to find out about this and I could not understand the customer service person. Not cool!

I recently received a Credit one bank card. I never used the card. After a few weeks I get a statement charging me 75 dollars for a yearly fee - a 19 dollar fee for who knows what and a 7 dollar fee for card design I never asked for. I refuse to pay for this ** so I called the 1 800 number and get a person from India. I cannot understand their language. I told them to cancel account. They kept trying to make me keep account so I have to call back tomorrow on Monday to demand they cancel account. They have all kinds of fees that will add up in a short time. They never explain these fees getting the card itself. They need to be shut down.

I accepted the offer thinking that was Capital One, but anyway! The thing is they sent me a mail and told me that the card was mailed. After that they sent me another mail and told me "Your card has arrived to your mail" and that I need to activate the card, but the card never arrived. I hope they don't charge me, and now reading all the complaints I want to cancel the card.

I agree with every review that I have read in regards to the poor language barrier. I tried to SIMPLY close my account specifically because I went on medical leave and they were unwilling to assist me until I returned to work. My other credit card companies were more than gracious to assist me since I have such good report. Credit One stated that they cannot help me and that I would have to contact my local judicial system which I've never heard of in my life! Most of us are lured into this credit card company because we're trying to rebuild our credit and in my opinion I have had very good results with Capital One Bank. So my suggestion for all of you reading these reviews is to don't waste your time in dealing with Credit One.

So we recently had to move, which as many of us know, can be quite expensive. We had ALWAYS made payments on time but due to the move we fell behind. I called at the beginning of September when finances allowed and explained the situation to customer service. I ask could we have some time to catch up due to the circumstances and was shocked when I told that I could. I made a payment and said I would call back between the 8th and the 11th of September to make another.

I have never missed a payment with Credit One. My card is paid off. I called to ask about credit increase. The poor English speaking agent told me that I can have a $150 increase of credit for a $24.95 charge. What???!!! And then he said not all of the their customers receive a charge. Okay so if I as a customer who has never missed a payment and has her card paid off doesn't qualify for a credit increase without a charge, then WHO DOES???? I regret having this credit card.

Credit One Bank has HORRIBLE customer service! I have been receiving calls every day for the past week DEMANDING payment when I never received a statement or any sort of paperwork after I received my card. Once I was informed of my due date I became frustrated because my due date is not for another week. Not only were they rude but they did not speak English well enough to understand what my concern/issue was. Their main concern was DEMANDING a payment. After escalating the call to a supervisor I got told to be quiet and listen to what they had to say. I have never received such terrible customer service in my life and there is no reason a card member should be treated in that fashion.

About 2 months ago I was informed, via email, by Credit One Bank that my card had been compromised and so they were closing down the original account and opening a new account. This would mean I should expect to receive a new card in the mail within 7 - 10 days. When I checked my account the next day, the new account had already been set up and all balances and pending charges had been transferred over to the new account - less than 24 hours after I had received the original email. This is important to note. Almost 3 weeks later, just as I was about to go out of town, I received the new card. Since the trip was both for business and pleasure I put the card in the back of the wallet and continued on my trip.

I contacted Credit One Bank this morning about a payment that I made online that was never posted or charged from my bank account. The representative that I spoke with barely spoke English was very difficult. I told him that the late fee needed to be waived because this was not a mistake on my end which he agreed to. He said he would be charging me $50, my September and October payment. I refused. I told him that I will pay my payment due by October 1 another time, today I'm just taking care of the September 1 payment. He wanted to argue but I would not budge.

Where do I even begin with this company? Earlier in the year, I had over $400 worth of fraudulent purchases on my card. Did they even attempt to contact me? No. Did they assume I spent outrageous amounts of money online within a few days? Yes. I mean, the norm for other companies would be to make a call to the account holder to verify that these were not fraudulent purchases - but no, this had not even occurred to this poor excuse of a company.

First I just opened the card and the bank shipped it to the wrong address. I then called and it took another 2.5 weeks to get it to the right address. It was passed the due date when I received it and I activated it a few days later. So my bill due date the first bill is due later this month being 30 days. Today I get a call from India saying I was passed due and demanded payment saying it was 9 days late. I Never received the card... how could it be late. So they wanted my bank number... Well there's no way I'm giving that to someone in India. I demanded a supervisor and it was the same thing. They did not understand English that I did not receive the card or bill for that matter. So they want payment when the e-card is a week old. Wtf. This company is a total scam. Run away fast.

I stupidly applied for this card. I've made one payment but they have contacted me about hourly since I made it, asking for the next one. I tried to make the payment online but it does not work. The people calling cannot speak English and I cannot understand a word they say. Today, they called me at work. I did NOT share my work number and they have contacted my boyfriend, which means they are TRACKING MY CELL NUMBER AS I'VE NEVER GIVEN HIS NUMBER OUT TO ANYONE.

Please nobody should get this credit card. These people are thieves. When I receive the card I only had $400 instead of $500 and I only used $200 then I got my bill in the mail for $500. They charge extra $9 just for paying on the phone and just because of them my credit went bad.

I got a Credit One Bank card for about 1.5 years to restore my credit. I made all of my payments on time. In November of 2014 I paid my card in full which I can furnish proof. At the same time I also closed my account. I received a bill in April of 2015 (5 months later) stating I owed them money. These charges for interested fees, monthly fees, annual fees and late fees. This card will restore credit but it is very high in fees. I called them to figure out what happened. They said my card on file to pay my Credit One Bank card was declined. I said "I know" because I changed the number after closing the account because I read bad reviews on this might happen to me and it sure did. They fix the issue in April 2015.

I applied for a Credit One Bank card before I read all the reviews. I got my card and didn't activate it but then got a letter in the mail saying I owe them 85 dollars! I never even activated the card so it is impossible to have made a charge and owe the money. I called them to cancel the card and the account and they refused until I had to get angry and yell. They finally canceled the account. PLEASE PEOPLE DO NOT USE CREDIT ONE. THEY ARE A SCAM AND SO DISHONEST.

I recently applied for a credit card from Credit One bank to repair my credit. I have made several attempts to make payments to no avail - 3 attempts on the company's own website failed, 4 attempts with customer service via phone failed. What's most surprising is that I have used the same payment account details to make payments to other financial institutions and retailers without problems. I can't believe I will make mistakes - that many with a payment account that I have used many many times for transactions.

First off I wanted to give them less than a one star but was unable to do so. I am in the process of rebuilding my credit, have done great until receiving this card. My payments have never been late. My first issue is that when I made my first payment I forgot to include enough zeros in my account number causing my payment not to go through. Instead of letting me know that and letting me correct the issue they completely locked me out of my account. I called and tried to explain the situation to the agent on the phone but was unable to make them understand what I was saying. First off their accent was very thick and the call was being answered in India. They wouldn't let me use the account I used previously so I ended up making the payment from my other bank account with the routing number and account number and my account was still locked after the payment was received.

Okay I called about Fraudulent account that was opened by someone other than myself. I've called at least once a month for the last 6 months and they keep telling me it takes 30-60 days and sometimes 90. I still have no response. I want it off my record. Also, they need to not outsource the call center. I do not understand other languages and these are barriers. And still no one has responded back to me. I think this is a scam ran by this company yet it affects our credit scores.