Credit One Bank Reviews

I opened this credit card to improve my credit score. First of all they charged me fee every month for nothing, then I did not receive the bill and got more fee on next bill. Okay. I decided to cancel the card and called customer service. They barely understand anything!!! I guess the customer service is in India. And I cancel this card. But...here is the bill again!!!! They did not cancel it at all. I have to call them again.... I will file more serious complaint if they still doing this after my phone call. Unprofessional bank and inconvenient credit card with horrible customer service!!!

I too got scammed with Credit One Bank. I made 4 payments in one month and they locked me out from making any more payments and I needed to verify my checking account AGAIN!?!?! I noticed today when you go their website it has links that go to other websites. And it clearly states that the links are not affiliated with Credit One Bank. And may not be secure. What type of scam is this company running? I am closing my account asap...

Finding this year that my credit scores sucked big time after me and my fiance were trying to purchase a house and her score being a 690 and mine being a 510, I decided it was time to start rebuilding. A friend of mine co-signed for me to receive one of these cards! That was 2 and a half months ago! Still have not received the card even though we were approved! They kept telling us that the cards were shipped but yet, we have not received them as of today! I got hit with a bill and yet the cards have not arrived nor had been activated! What a rip!!

I have had a card with them for some time now, maybe 3 years. Never had any issues. I lost the card in a recent cross country move and ordered a new card. March 3rd. I went on two business trips and a ski trip totaling 22 days away from home. I expected the card to be at home when I returned. I get back, nothing. I call the next day, April 1, and tell them it never came. They say it didn't have an apt number and was returned - ok fine, resend to this address, thanks, and please rush it (they claim it takes 10-15 business days to get a card lol!). So I asked for Rush and the customer service guy said it would come in 1-2 days.

If only I could put a zero star. If you read this and did not get sucked in by Credit One, I suggest you run, run, run. It will cost you a bunch of $$$ just to get them to go away.

I received a random email from Credit One stating how my credit score had changed and to login to review the new score. I logged into my credit card account to review my score and noticed an unusual high balance on my account. I reviewed the recent transaction and noticed that I did not authorize nor charge the transactions with my Credit One card. I immediately called customer service and a lady answered the phone that spoke a little English, and got frustrated when I asked her to repeat what she was saying.

I canceled the card in December of 2014 due to obtaining 3 credit cards with capital one. Since then they did not close the account and continued to bill me the monthly fee and reporting 4 delinquent months to my credit report. Worst card one ever experienced. I highly recommend Capital One and Bank of America.

I wish I found this site before I said yes to the pre-approved offer. Their offer looks so much like Capital One that I responded too quickly. Thanks to the email I received yesterday, I quickly started looking for reviews and was I surprised! When the rep answered the phone, I was told the card had already shipped, but after I said I wanted to cancel it, I was told it hadn't shipped and they could cancel my application. We'll see what happens. The bottom line is if you all are still experiencing problems, go to your local courthouse and file a small claims case for around $25.00. You don't need a lawyer, just your proof. They will act right when they receive notification from the court and you will never have to worry about them again. Know your rights.

This company get too many bad wraps. First it was the easiest credit card to set up. Second because we pay our bills we were given a credit line increase asap. Third their credit line protections program stepped right up and made my payments (min) plus and assisted us when I got cancer. So I give Credit One bank a+++ rating in my book. Thanks guys and gals at Credit One. Long term customers now and forever. My thought is this, if a small bank card company helps like this shouldn't they be my big bank card company. The big card companies are still stumbling over themselves to do something and it's been 2 months Credit One took 5 days payment in. Amazing. Little company wins in my book.

I have not used the card for over 14 months; suddenly call after call about charges. Then a screaming match on the phone with a supervisor who did not want to cancel my card. This is a group of highly unethical people. Shameful. The three calls today were ridiculous and a waste of time and I have no confidence that my card has been cancelled.

I applied for a card and it have been over one mouth and I never received not one yet. Called on the 19 of March 2015 to reported that I have not received it during the time they stated it would have been mailed out on March 2, 2015 arrive by March 12, 2015. So I changed my mailing address to United State Post Office BOX on the March 19, 2015 and by March 31, 2015 the only letter I received from them was a letter stating they have updated the information on March 24, 2015. It also stated that the NEW CARD was mail out on March 24, 2015 as well. Still at this date April 06, 2015 I DID NOT received a CARD.

I made a payment way before my due date using their express option at $9.00. Payments are supposed to be posted the next day. But instead, it took 3 days for a payment to reflect on my account. I had trouble contacting them. When I finally did, the person on the other line seemed angry that I had called, when I questioned them about the express pay they gave me no answer. They didn't even say “how are you?” or “have a nice day.” Seems to me like they make it impossible to contact them on purpose. My tip… pay way before your due date but don't use express pay. Paying before your due date doesn't give them time to charge you interest.

When you make a non instant payment, it tells you your funds will be available in about four business days. OK, I made a payment on 5 Apr, after it processed I get a message my fund will be available on 12 Apr. That is 5 business days and two non business days. What kind of crap is this. I guess I should have read all the outstanding horrible reviews before I got this card. Note to all: DO NOT OPEN AN ACCOUNT HERE!!!

Note if you are trying to better your credit profile and have bad credit, this card will help you more than those rip off credit repair guys. Just remember it's actually a service your and it works. Took me from 550 to a 606 and climbing in one year. Just pay your bill. You don't even have to use the card. The monthly service charge shows up as a ontime payment every month on your credit report. They even give you money back on gas purchases.

I received this card unsolicited. They immediately sent me a bill prior to my activation for 75 dollars. I missed the payment date by one day because I was unaware a payment was due. They charged an additional 25.00. I already owe 100.00 for a card I never used. I did not apply for this card and have no idea how they sent it to me. I have tried to cancel the card since I never asked for or used it. The representative was extremely rude, I asked that this card be removed from my credit reports immediately.

I received a credit card worth 300.00 and the minimum payment was 75.00. Then before I could cancel the card I was billed a 25.00 late fee and a 25.00 replacement card fee. My total fee was 133.44 without ever using the card. This is outrageous. I called customer service and I felt like I needed to record the conversation just like they monitor the calls. The customer service rep said that I would not be liable for the charges but I still feel like I need records. I would never recommend this company to anyone for any reason. I can make more money than this by taking junk to the junkyard. I am monitoring the outcome and waiting to see if they will continue to bill me late fees and other charges. Anyone out there, be aware of these people. I could not even understand what they were saying on the phone. Someone should really investigate this (bank).

My wife has tried contacting this bank several times via phone and never got through to a human. I have called and when prompted for my account number the system would repeatedly state that this was not a valid account number. I was finally able to create a on-line account so I could review and pay for their $8 monthly service fee. (Rip off.) Upon checking the account it stated I had a balance of -.13 cents although I was looking at a bill that showed a balance of $33 (which I was attempting to pay but could have sworn was paid last month). There was no way to pay the $33 balance on-line so we tried once more to call and find out what was going on. They urged us to not close the account and that they would waive the fees for 3 months so we would have time to reconsider. These guys are TERRIBLE. NEVER USE THEM!

Credit One Bank card can only be paid with a checking or savings account without charge. If I pay with my credit/debit cards, they charge $9.00 for each payment. If a customer is using the credit/debit card, they cannot pay over the phone or online without incurring a $9 fee. This is unfair to the SSI recipients, family support recipients, and human services recipients, since our only money comes on a card. I feel this is discrimination. If someone is low-income they have to pay $9 extra each month to make a payment. The customer service reps also hang up on their customers. I was hung up on 4 times today alone.

First of all I was disputing I charge on my account that had showed declined when I ran the card with United Airlines. So I called United and used a different card. When I checked the account today it showed to transactions for 300.00 to United Airlines pending. When I spoke to the Credit One rep, he refused to listen and continued to talk over me. When ask for a supervisor he refused until screamed and threaten to call back. The was not much better. She ask me to call United Airlines on a three way call. The United employee stated that they had not charged my card with Credit One bank. They had no record with my account, but my card with another bank was charged. After hearing this the credit one card rep still refused to credit my account stating it will take 10 days. This is the worst service ever... Please do not give them your money.

I have had my card for only a month and a half. Random charges keep coming out of my account and putting my balance at zero. Customer service can hardly speak English and are not willing to take fault for anything. 5 days before my payment was due I received a call from a man with a different but very strong accent - he asked for my card info. 3 times and tried to say I would be avoiding a $9.95 fee if I gave it to him. I finally told him I had made other arrangements for my payment. DO NOT GIVE THEM YOUR INFO! That part was definitely a scam but I think they are working with Creditone to take as much money as possible. I will be canceling asap.

Got an odd email in my personal email account from this company saying a card was on the way - please call if you don't receive it. Thought it was simply spam. Then I get a bill for a $75 annual fee due within a few weeks with a late penalty of $35. I call the company and they continually asked me for personal information that I was unwilling to give them (if they gave me a card they should already have it right?). They finally find me in the system (miraculously of course) and they tell me that if I don't activate the card within 30 days it will be cancelled. I didn't believe them.

I paid my balance two months ago and requested account to be closed. The customer service, after arguing with them that I wanted it closed, said they would close it. For two months I continued to get fees, one month interest on a zero balance, which I paid, then an annual fee, which I called customer service and explained I already closed this card and I wanted the fee waived. The customer service woman said she could not waive fee and she continued to try increase my credit and not close account. I repeated 3x that I already closed account and did not want card and they were running a scam by continuing to charge me fees for an account I have repeatedly asked to be closed. After being put on hold, customer service says they will close account, waive fee and send a letter within 7 to 10 days that account was closed, which I heard two months ago from them, but I will believe it when I see it with this company. THIS COMPANY is a rip-off. BEWARE.

Sent a letter 2 months ago asking to close our account. Called and asked a month ago to close the account. Account still open! Paid in full and always on time. Calling again to ask to close the account.

To all consumers be aware of this company's practices. Please read the BACK of any cc offer you receive from this bank as it is where you will find the important information (according to the customer service person the info is buried at the back) ($75 annual fee) so you Can make an informed decision whether you want a cc from them or not. Completely disgusted by these practices.

I have tried numerous times to pay my bill online, never have been able to sign into my account and then I have to call a payment in and it is 9.95 every time..... There is no CS when I call and make a payment, it is all foreigners. They are rude, you cannot understand what they are saying and this is very frustrating. I will pay this card off and not use it anymore. Too much hassle.... When you have no local CS, that is a problem. Very dissatisfied... I have had this card well over a year and my payment was paid on the 18th, was due the 17th - a 25.00 late fee. I'm through with the issue.....

My husband just received his card not even a month ago with a $300 starting limit. The company already charged $75 which we were fine with. His due date isn't until the 2nd of the month and we received a phone call asking for a payment prior to the due date. He is not even late on the bill. How is this not illegal debt collecting practices. They should be sued for harassment! I can't believe they think it's ok to prey on people who are simply trying to get their credit back right.

Every month I pay this Visa card automatically with Bill Pay at my bank. My payments are not getting credited to my account. Bill Pay has called them that the checks were cashed. They said that they issued me a new credit card replacement and that I didn't update the new number on my Bill Pay. They won't tell me where my payments went. I have late fees that weren't removed. I am trying to rebuild my credit score. I don't get credit for paying early, they think that I am late. I use Bill Pay from West Bank Iowa. Bill Pay's phone is 866-409-5440. They have called this Credit One twice on my behalf for not crediting my account and charging ridiculous late fees when I paid early.

I accepted Credit One's offer for a card because it was all I could get at the time. So sorry I did. It was fine for awhile, then one day it was declined for a purchase from a well-known, upscale online merchant. I had plenty credit available; I had checked. Tried again the next day, same result. Called them and they said that merchant is "suspicious". Whaaaat? They assured me all was well now.

First of all this a sub prime lender. As a sub prime lender that have to be aggressive or they will go out of business. Let's face it, their good paying customers leave because they are able to get better cards. They charge interest from day one. They charge a high membership fee, that they will reduce if you threaten to cancel BEFORE YOU USE THE CARD.

This card was lost in February, and didn't receive duplicate one until last week. I was charged 2 late fees. One forgiven after speaking to customer service where I was told both would be forgive. Minimum payment was doubled for April, SORRY NO CAN DO!!!

I pay my monthly bills through the phone. In fact i pay more than the minimum bills, but each time I checked my account balance, it tells me overused my credit limit. I stopped using my card since December 2014 even though I pay my monthly bills just to monitor the account but still receive the same statement over the phone.

DO NOT ORDER A CREDIT ONE BANK CARD! You'll be sorry you did... Their contract agreements are designed to MISLEAD the consumer. Upon receiving your first statement, an ambiguous fee of $75.00 is charged to your card; even though you haven't used the card. Call them to remove it from your statement and they'll reduce the fee.

First of all everyone I spoke to barely spoke English and we had the worst time communicating. Secondly every question I asked they didn't know the answer to it. Third, they lost my card and made me wait a month for a new one.

My account was fraudulently used and billed way over my limit. I immediately called and it took them 90 Days to investigate, meanwhile I was required to make a minimum payment on the total that was fraudulently billed. That much I could maybe understand, but they cut off all access for me to get any information on the account and I could even understand that. When it was finally determined it was fraudulent I was unable to close the account with them or speak with anyone regarding the account. I needed information about if I still owe anything and they only give you a number to the fraud department.

I have never received the first bill, not by email, not by regular mail. I started to receive phone calls demanding payment. I tried to talk to customer service. They ask way too many personal information enough that they can steal your identity. I want to cancel my account. I am afraid of these sharks. They are rude and impossible to understand. I hope my identity doesn't get stolen.

Our credit card information was stole and charges name that where clearly not ours. They allowed someone to change our address and have items delivered there. After reporting this information to Credit One Bank. We were treated like we were the one's that let the information go. What is really strange, the information was stolen from inside the company online. We have not nothing but issues since that time.. We got new cards which were immediately cancelled because of the "Fraud." Really that was your fault, not mine.

This credit one bank is a scam in my mind, I've had this card with them for a while now. Just recently they locked me out of my online account saying I had my bank info wrong on their website to make a payment, I've been trying to resolve this since September but every time a call it's just a foreigner asking for money. It's just one fee after another with them, they have the worst customer service ever. They keep asking for a lot of personal information that I don't like giving out, do they even have a location with real people that you can talk to? I don't think they do. I can't talk to anyone that can help me. Be aware of creditone, I would not recommend them to anyone, unless you want to pay a bunch of fake fees, stay away!

Firstly, I am a great customer for over 2 years now. I pay my accounts online and never carry over a balance more than 20%. Early March on 3/2/15 my account had some fraudulent activity on it and I called Credit One Bank regarding these unknown purchases. When I called about it they told me that I would have to wait 10 business days to get a replacement card and I thought that was absurd. I explained to them as a valued customer I should not have to wait 10 business days for my card and it should be sent out next day at no charge to me. They declined.

When I say thieves, they are legit criminals. How could such a company take your money on one end, and not have a phone number to contact them and fight it on the other??? How does the government allow this to happen??? On top of it, they report to all the credit bureaus and have your credit score in their hands. Why won't the BBB do anything about this company??? I just don't understand. It would be different if some senator's daughter was being ripped off, but a senator's kid would never have a credit score low enough to have to get this card.

I see complaints about not seeing your statement online. I view it every month online, you go to your account and look under monthly statements. As for fees and payments on time, it clearly states if you pay online through your bank that it can take up to 7 days to reflect, so obviously pay it BEFORE the due date. When you don't have perfect credit, you have no choice but to have to deal with fees, lots of them along with higher interest rates because we are considered a "High Risk" and if you give it time and pay on time and don't go over your limit, then your credit score goes up as does your credit limits.

I live in Illinois and my husband died in April 2014. He left a balance with Credit One upon his death. The law in my state says since it was his account I do not assume responsibility for it. But yet Credit One has sent the balance to a company called Sims. They are hassling me daily to pay the bill, I asked them “how many times does it take for me to tell you that I lived on a fixed income from disability and that my husband died with NOTHING” (I even spelled the word for them). No life insurance, no pensions, no nothing except debt. My husband had been very sick for a long time. We always paid our bill on time, but since the medicine he required was so expensive we lived by credit card debt. Yes it was wrong, but when you fall through the cracks for help, you do what you have to do to survive. I just want this stupid company to quit hassling me about payment/s they are not going to get, because I don't have it.

Nothing but trouble with this credit card. They charge exorbitant finance charges. We had the opportunity to pay off all our credit cards and this is when the problem started. We had the credit card for over 5+ years and now all of a sudden they can't get a bill to us. They told us we owed over $60 - that would be 3 months since the credit card was paid off and not using it - YES - all interest and finance charges. They won't put you through to a supervisor - they want you to repeat your social security card and name and account number every time you are transferred to another person. Sending a certified letter to them on Monday enclosing our $60 plus for interest and finance fees. They are so shady.

To start I received in the mail what appeared to be a pre approved credit card from Capital One, but I was wrong, it was from the worst bank in the world... Credit One. I filled out the application and was approved for 1,500$ credit limit and my card was in the mail. I used the card sparingly and only spent 200$ and about three weeks in, I decided to make a payment. So I called Capital One and they told me I didn't have an account with them and to look at the card and see what bank it was from. So I called customer service for Credit One to make a payment but was not able to without being charged 10$ for an instant payment and an early payment charge. So I opted to pay online but wasn't able to due to not having chosen the paperless route. So I waited to receive my billing statement but it never came. 2 days late at this time I start receiving over 20 harassing phone calls starting at 6 am a day while I'm at work (I work 16 hour late night shifts).

Wish I would have done a little more homework before signing up for this card. A monthly annual fee (whatever that is), then late fees for not paying that fee (which I didn't even know were there), then a fee to pay those fees by phone. Never used this card. Had to field collection calls from these idiots while at work - for a card I DON'T USE. Had to deal with perhaps the worst customer service department I've ever encountered that couldn't help in any way - all they could do is read from a long-winded, irrelevant script (including a long-winded script about how good their card was for me - are you serious? ) Aaargh!!!

Credit One will call me 5-6 times a day, 7 days a week from many different states. I have tried to call block but they get around it. I am currently unemployed and pay what I can each month. I made a payment on 3/11 and got a phone call on 3/18 looking for another payment. It has been happening every month.

Full Social Security Number is required to for online access to your account or to access your account of the phone. On the phone, if you ask a question they don't want to answer, they hang up. For 3 months of my bill going up instead of down with payments of more than the minimum, I called as asked why and if I was being charged an annual fee. The answer was yes, I was being charged over $8 a month. That adds up to at least $100 a year. I was never notified of this change to my agreement. After being harassed for a payment for 5 minutes over the phone (which was due to late charges which should not have happened as my bank sends the payment and they didn't process it) the charges were cleared and I made an additional payment to be one ahead. At that moment, everyone working phones applauded and congratulated him on his accomplishment. It doesn't get more unprofessional than this.

I am a deployed soldier and every credit company we have honored the Serviceman Relief Act. They refused. I had to get an attorney, and they still would not honor it. We spent 11 months fighting with them and finally transferred our balance to another company who gladly applied the act to our account. Also, because of their outsourcing to India, I could rarely understand them, and they couldn't understand me. When I asked to speak to someone in the States they hung up on me. I was hung up on four times. I will be reporting to BBB. Horrible customer service. Horrible company. It doesn't matter how badly you want to improve your credit - stay away from these people. Do not lower your standards to people who have no respect for our country, service members and their families.

I received a letter from CreditOne Bank, stating that I was "Pre-approved" for a credit card. It stated there was "Instant Online Credit Decision." Instead, I was informed that decision was pending, and I would have to call. That is where the fun began. I ended up speaking with a very young sounding customer support Rep that gave conflicting answers to every question. She first told me it would take 3 weeks to review the application - then immediately said "call next week to check." I asked what happened to "immediate response online." She just robotically repeated that I must call back. Never answered my question.

Received a letter in the mail asking me to mail personal information to them Via Mail. When I called and explained to them that this is consider dangerous due to identity theft she said "sorry, that is the only way we can accept it". Also when I explained that Capital One and Discover does not ask you for any of that information she acted crazy. And then I asked why they do not have a secured website or fax. She could not explain that except when I told her that I would report this to BBB then they could provide me with a fax number. Please do not send them personal information. They can get through credit companies that verify your credit. That is crazy and full of nonsense. Also dangerous for your information to go through Mail.

I got this card after realizing the sad state my credit was in and Credit Karma advised me to get it to improve my credit history. I got a 300 dollar limit which is totally fine - I wanted something manageable. I spent about 200 dollars on gas, food, etc. upon activating it and even made my first payment ahead of schedule. I was hit with over 100 dollars in fees in the first month which put me 6 dollars overbalance. I immediately made another 50 dollar payment upon noticing this. Mind you, my payment is still not due as I already paid it for this month. They have already reported to the credit bureau that I have went over my limit. If you are looking for a card to rebuild your credit, please learn from my mistake and keep looking. As soon as I get paid, it's getting paid off and closed. I can't even get anything but an automated system when calling in either... What a joke!

I contacted Credit One in October to request a replacement card. I was told it would be mailed out and I'd receive it within 7 - 10 business days. Several months went by, I never received the card but forgot about it. I called again in February and was told they had an incorrect address for me although I had not moved or changed my address. I was told it was corrected and the card would be mailed to me. Several more weeks passed and no card. I called a third time and again was told the card had been mailed to the wrong address. For the third time I was told that the address was corrected and the card would be mailed to me.

I had my card for almost 2 years - never late on a payment, never missed a payment, never had an amount due. Apparently I had made a payment in Feb. that never was processed and I was never notified about it not going through. They locked my account the following month; when I tried to go on and pay, the online service told me: "Temporarily Suspended. Access to your account has been temporarily suspended. Please call us: 1-877-825-3242."

I saw a charged off account on my credit report. I have one small card with Credit One. It's always paid every single month. Even write my bank's confirmation # on each and every bill. Now I have a charge off of over $800 plus when I called, they didn't recognize my SS #??? What??? You'd rather have identity theft than deal with these idiots. It's totally impossible!!! They keep asking for more and more personal info, and when I said "No! No more personal info!", they want me to provide them with my bank info. Seriously? They can't even apply my monthly payments correctly! DO NOT EVER DO BUSINESS WITH CRED ONE!!! Thieves and liars!!!

I opened my new credit card account in late 2014 after receiving one of their "Pre-Approved" offers. I had recently returned to consistent and regular employment so I wanted to raise my credit score with another credit reference (already had Capital One and Walmart (Synchrony Bank) credit cards with decent limits, so Credit One's offer (and approval of $300) was appealing -- I saw the $75 initial fee that was fully disclosed so that was OK given my purpose of expanding credit references).

This has got to be the worst company ever. The customer service sucks. They can't get their act together. The online system has issues with the sign in and when we informed them their response was "oh that sucks but it's not my problem." They say they open at 6 but at 6:30 they're still closed. Their response with that was "So what's the big deal." We have to go through the same crap every time of authorizing my wife even though she was supposed to be on the account from the beginning but they always said "No sir you are not making a true statement because there would have been documentation of her on here," and everytime I'd have to add her again just for her to never be added. They are completely disrespectful hateful and so unprofessional. This is the biggest joke of a company. Don't use them.

I got a card with this business and signed in through their website to make my payments. The payments were received by them on time and in full. Then bogus late charges and transfer fees started popping up. I cancelled the card through their website and still was told I owed the full credit amount of $300. Now I have a charge off on my credit report. Don't bother to call their offices, you will be directed to their Indian outsourced service and receive no help at all. This is a fraudulent awful business and I strongly suggest that you do not apply for a card.

I was diagnosed with c heart failure 10 months ago, living now on fixed income and unable to supplement my social security with small business I ran, have been struggling to keep my payments current and have been doing so for several months. The last 3 months they have refused to credit me back for the late payment fees that they charge each month. It amazes me that if you are struggling to make a regular payment that when you have to wait for your check to come each month, they double your payment for the next month and charge you a late fee that make it 3 times as hard to keep your payments current. All the many other credit card co I do business with have been very willing to not charge any fees in an effort to keep my accounts current. They can't speak English and you cannot understand what they are saying, they are rude and not too bright. This will be the first card I pay off and will cancel it as soon as I can.

They do not have a live person to talk to. You get charged $9 to make a payment on line. They charge you 81.95 before you even use the card. I'm mad. They are going to mess up my credit score. Just for using them.

I have credit one bank and paid off my balance on my account in beginning of feb. They locked my acct and said they wanted a verification letter that it was ME paying this high balance off in full from my bank acct. Of course everyone on the line when you call is a foreigner, that doesn't understand anything I am saying. I sent a letter, waited for one month and account still locked and I called again and they replied it’s the wrong letter, we need a letterhead!!! UGH I am so mad. So I had to call my bank and have them actually write a letter stating the payment was mine!!! Then I get a letter from them this week, that if they don't receive a letter then they will go ahead and close my acct!!! DON'T GET THIS CARD!!! COMPANY SUCKS AND A SCAM.

Late fees applied when payment not late. Customer service is horrible. They charge fees upon fees and make it impossible to get anywhere making payments. Tricked my husband into thinking this card would help his credit score, lie!

Extremely bad company to deal with. First they make it seem like they are Capital One. Second, their annual fee is extremely high and was not disclosed until I received my bill. I had not even used it and I had a $75 bill. Third, your payment doesn't get credited when they receive it, until 7 days later. They state it will not be available to your account until later. I am paying off balance and canceling card for good. Never use this company.

We paid this account off in full a month ago including the $10 fee they charge to make a payment with debit card. Today I received another bill. When I called their representatives (located in the Philippines), I was told that we used the card the day before and it didn't show up on the card. This is absolutely not true. That transaction was made on the 3rd and I paid on the 5th - absolutely no way that they can have a 2-day wait before charges are showing up. We closed this card because they charged us a late fee when we made a payment with our credit union. We had a confirmation number and everything and were told it didn't go through. Who charges to take your money anyway?

I sent multiply payments and have made multiple phone calls and my bank sent a statement to them about payments that they received and didn't credit!! I am Livid! Terrible bank.

If there was an option not to give a star that's what I would of chosen. I received this credit card in December 2014. At first the website was unable to accept my payments, took me a few tries. Then the payment came back as being done in error, so I attempted again and did not hear back from them. Same thing happened the following month. This is not a credit card I use on a constant and I had a low balance, so I felt no need to check online on the activity. I go make my payment for March and I'm unable to log in, so I called customer service. I spoke with someone who is clearly not from USA.

After we moved to another state (AZ to SC) my husband noticed a charge on his account for "US MAIL FORWARD" for $39.95??? We tried calling but did not get an answer to our phone call. I have noticed on my account a recurring charge called "Annual Fee" for each month $8.25 which means my Annual Fee is $99.00/year. I started to do some research and found they are located at: Credit One Bank, 625 E. Pilot Road, Las Vegas, NV 89119 and their phone number is: 702-269-1000. I plan on trying them again in the morning (800 number), contacting www.helpwithmybank.gov, and checking with the three credit bureaus to see if there are any bad remarks/hard inquiries from Credit One Bank. It would be interesting to see where a search for the parent company is located?

I would not recommend this card. Terrible customer service. I used the credit limit then get a letter in the mail stating they want my debt certificate. They never sent me a bill. My card was suspended and now can't be reopened without me mailing proof of pay stub, our utility bill. They screwed me. They got me to spend the limit, after they took out their fees...now I can't use the card. Plus the fact you can only withdraw up to 25% of your credit limit is not told to you in clear writing until you get the card. Also if you get a card expect to wait an extra two weeks to get a PIN number. I am highly disgusted and am sticking to my Capital One card.

I had gotten my card and all was well for a few months. My balance was around 300.00 when I got a letter in the mail stating to me that since I am only making the minimum payment they were increasing my monthly payment. There isn't anything in the cardholder's agreement stating they have that right without my authorization. I called them to refuse the new payment amount they were suggesting and the representative on the phone said, "Just open your wallet and pay the dang bill." I was floored...Now the account is past due and I have sent them a certified letter asking them to remove the late fees since it was their fault. Of course no reply from them and now I see on my credit report they have closed the account. What do I do next??? Credit One Bank is a shady company. Beware, everyone who uses them.

Well I have had my credit card. When you get they say no fees. First it’s 81 dollars to activate. Then they say your payment not due until 1 month. Well, I have had my card since 23, they say or the 24 feb. It’s great when you get it gas rewards, have not seen it yet, then they charged me 50 dollar payment. 4/3/2015 due they don’t call you, they turn to collections and then they cancel your card. Sunday at 10:00 am you have someone yelling at you over the phone and slandering you for 25 dollars. I am paying them off asap and cancelling their card, tell them you lost it, don’t want another replacement and done. Capital one the way to go.

My acct with credit one is not even a month old. I do not have anything due at this time and am in good standing. I get a call at 0815 on SUNDAY morn of time change, just to let me know my balance. Of course I was outraged to have somebody I could hardly understand on the opposite end of the line calling to ** on my day off. When I ask to pay off and cancel the card, I was told the people which handle the acct are CLOSED!!!!!!! Imagine that somebody having a day off. Run from this card. Terrible customer service, and very poor call times. And they outsource everything. What would happen if my card was stolen today, could it not be canceled till tomorrow?

I am in disbelief on how their process is for filing fraudulent activity. Today I decided to check my credit card balance and noticed it was relatively high. I decided to view my recent activity and I saw almost $400 in transactions being processed on my card at multiple Fry's Grocery Locations. I immediately called Credit One to dispute these charges. The representative notified me that the balance would remain on the card and they will credit me in 30-60 days (no later than 90) to receive credit and I have to continue to make payments!!!!

I opened a Credit One Bank card account in 4/2014 and made regular and timely payments even though I never received a monthly statement. I was admitted to the Veterans Hospital for care and was receiving countless calls from people who spoke very poor English and they demanded FULL PAYMENT, even though credit card companies can ask for full payment approaching with a minimum payment due validates the genuineness of the call, in my opinion.

Their customer service is horrible I can hardly understanding what they’re saying. They said my payment declined and they need a bank verification letter. I called my bank and they said they didn't decline the payment. I called them back to explain and they gave me the run around. I asked to speak to the supervisor and he wasn't any better. They really need to shut this company down, they supposed to help people build their credit, but they’re full blown SCAMMERS. Do not apply for this card unless you want to be RIPPED OFF.

I had a credit card with Credit One Bank in an effort to rebuild my credit. I was getting ready to go overseas and checked all of my cards to find that this one had been hacked!! It seems that the hackers created a duplicate site and got my password etc etc. They then preceded to max out my card, pay it off with my bank info that was stored in the credit one site and then max out my card again. They changed my address within the website and then got all of my info and opened a bunch of other accounts with other companies with this info.

I was "pre-qualified" for a low balance credit card $500 which I accepted and applied for. Having never received the actual credit card, 2 months later I receive a statement with a balance of $75 for an annual fee. I've never received or activated the card and so I obviously knew this bank is a complete scam. Beware of any applications for credit cards from companies who you've never heard of. Credit One is not Capital One.

I checked the Credit One website and saw I had been approved for the card. The next day I saw that $87 had been charged to my checking account. I suspected it was them, so I called just now. The guy asked for my account number, then when I told him I hadn't received the card yet, he asked for SS#. The first time he said they had no record of that number, then he said it again. The third time he magically recovered my name in their database and said the $87 was for yearly fee and card design. I asked him how could they charge me anything without my first activating the card. He didn't have an answer and gave me double talk. Can't wait to get card and tear it up. Will not pay them another dime, no matter how much they bug me. Scam artists!

Credit Increase - I was offered a $250.00 online. They Charged me all the fees and only gave me $150.00. Please help.

This is the worst company ever, they have terrible credit to want to have a card with these people. They never ever listen to your question when you call. NO ENGLISH!!! All they are, are robots and repeat the same question over and over. All they ask is how are you going to take care of your account, what debit card can we use. You can ask again and they are deaf. Go without a credit card before you go this route.

I tried making an online payment, and got an error message. I tried changing it and it said it was changed successfully, but when I went to try to log-in again, it gave me the same problem. I finally called in to make my payment, and they wanted to charge $9.00 for that. I told them I do not want it an express payment, I want a regular one - they said the only way to do that is online. I explained the problem I was having and they were unable to understand me, and of course I also could not understand them as well. I told them to slow down and explain to me how to get the problem fixed and he said sorry he did not know. I told him to transfer me to some else who would know and he said no one else could help me, and he hung up.

Haha, this company is a joke! I closed my account months ago and still get hit with fees and interest. I paid everything off before the due date and yet somehow in their minds I still owed them more money. HMMMM NO NO NO! Don't waste the time with this company. If you don't pay by 12am their time you're hit with a $25 dollar fee and all their customer service is based in India, SHOCKER right. I will sue this company if they charge anything more to the closed account!!!

My boyfriend just randomly got a credit card. (Of course they are going to accept you, they are from India). They call his house every day and harass him for a payment. He has told them he wants access online before he makes a payment. They will not listen. So now he is calling tomorrow and cancelling the card. Don't waste your time with these people. I wish he looked up these reviews before being an idiot and doing so.

I am only 6 days late on my payment. They took it directly to collections and called me insisting I pay now, indicating that they have my bank credit card on file. I indicated I cannot pay until my next pay period but would be happy to pay the late fees and two payments at once. He handed it over to someone else after asking me a barrage of personal questions. The second person specifically asked about my husband paying, I am divorced. Then the conversation got ugly and he continued to impress upon me he will take the money from my account now, and asked me continually, "How do I survived (money wise)" and he's pressuring me about a spouse. I had to tell him that my spouse is not just my ex, but deceased.

I received many pre-approved offers from Credit One, eventually I accepted. To my surprise when I received the credit card my maximum credit was $400.00. I haven't even used the card when I got a call from them saying that I owed $101.00. I called to cancel the account, can you imagine they told me that it would take 21 days to cancel the account and during that time I would have to pay late fees up to that date. This company is a rip-off.

I have this credit card for 6 month and it is a great credit card for starter like me. I have this credit card for 6 month and I have no problem. If you pay on time they will increase your credit within 3 month. I highly recommended this credit card. THANK YOU CREDIT ONE FOR MAKING ME FEEL CREDIT WORTHY.

I am trying to cancel my credit card, because the interest rates are outrageous. I have a zero balance, and I call every single number they have on the website which direct you to the same exact menu. No matter what option you choose, you cannot reach an actual person. There are no email addresses. Nothing to actually cancel this awful card.

I received the credit card after applying. Once I activated the card, I owed $94.00 in annual fees with a $400.00 credit line. I called to cancel the card and was given extreme friction. I was successful in cancelling the card yet I fear I may see bills in the future.

Credit One Bank has got to be one of the worst, if not THE worst, credit card companies in history, and I'm just putting that lightly. Anyone who has one of these credit cards have already witnessed how they call and lie to you to get you to pay more than you have to. I've been lied to multiple times but one incident today threw me over the roof. My payment date is 5 days away and the rep told me that he needed a payment that day so I don't get a late fee. I told him I'll skip the ($10) Express Payment and just do a (free) standard payment online. Makes sense, right? Well, not to him. He was bold enough to tell me that if I don't do the express payment with him today and do a standard payment, it might not clear for 7 days so I might get a late fee.

I have TWO Credit One Cards. It is very difficult to tell one from the other & this creates payment problems. Example, I made a payment to Credit One Speed Connect WHICH should have gone to Credit One Credit card!! How am I supposed to know that when I cannot pull up Speed Connect account on the computer?!! I've called them numerous times. Their agent is usually as confused as I am!!! Little or no satisfaction/resolution. I rue the day I ever took out Credit One cards.... i.e. Credit One Credit Card AND Credit One Speed Connect. If you're looking for a credit card bank, I highly advise against it!!! Save yourself time and aggravation!!!!

I was late with a payment and that's when the flood of calls started, sometimes 15 a day, from multiple numbers. Very rude and demanding representatives who were obviously outsourced from somewhere other than the United States. I take full responsibility for being late, but this borders on harassment.

This is Worst Company. When I activate credit card, it already charged $75 dollars without any used card. Everybody Be Careful this company.

I applied for a credit card in December, 2014. I finally heard in January that I was approved and that the card and pin would be coming separately. I received a bill before anything with a due date of 1-18-2015 and a balance of $81.95 for an annual fee, and a fee for a premium design card (both of which I knew nothing about). I proceeded to call Credit One Bank and told them I wasn't paying for something I hadn't received. They said "No problem, just disregard the bill until you receive your card." I then get another bill but with a $25 late fee and interest charged. I still had not received my card. I called again and was told that it would be coming. I also told them that I wasn't paying any penalty or late fees for something I still had not received and that I had called about this already. I told them to take those charges off or I would report to BBB.

My account was suspended, I found out Feb 25th,15. It was for an attempt from a very old game that decided to put in an attempt for money. Ok let's go past that. The 1-877-725 number was nothing but about 5 minutes of Junk offers (Rip off offers imo.) Total advertisements for junk offers means scam.. Okay at the end after pressing 2 about 40 times to decline all the offers they OH btw this is their CUSTOMER SERVICE #...Ok. they finally gave me a message saying the number has changed and I was given this number to call. YUP. The number that showed up in red was just a paid advertisement to throw all that junk at you.

Made a payment online through a payment company (Mint bills formerly Check) and they did not send the payment to Credit One till after the due date so I was charge a late fee of $25.00 for a $25.00 payment. I have not used the card and money owed on the card was just processing fees. Called Credit One on Feb.24th and they stated that I would have to pay the late fees. (Trying to cancel the card) I want the late fees drop and the account closed.

I have had nothing but issues with credit one. When I first got my credit card, I called to make a payment by phone. I was informed that there was a 9.50 fee to call in my payment!! What? And why? Any other credit card company lets you call in payments for free!!!! Then 2 days before my payment due date I started receiving phone calls asking when they would receive my payment!! It wasn't even due yet and they began hassling me!!! Are you kidding me??!! After several months of making on time significant payments, I requested a credit line increase bc I need some very costly dental work done. I was denied without explanation, even though I have consistently made significant and on time payments....

Keep paying on time and they keep adding more; never get ahead with this card, it is joke. I can't hardly wait to paid off. I will not recommend this card to anybody. It is trap.

First let me start off by saying that like most perhaps all of the people that have written a review here I had "less than perfect" credit. My credit rating took a beating in 2009 when the economy took a dump and it took me longer than I thought to get back on my feet. I finally was back on my feet again and I needed to rebuild my credit rating so I was approved with this card along with 2 other credit cards from different banks.

I've had my account for almost 2 years now. I have been charged so many different fees. At one point I was getting charged for three different things. Annual fee, fee for having the account, service protection fee on top of the regular monthly fee. Late payment fee of $35. When you contact a customer service member, I can't understand them. Also, they can only waive 1 fee even if it’s their fault.

So why they are charging? They say they are sending another one and still have to pay the bill. I ask to cancel the account. The girl on the phone got mad with me, said, "Thank you for choose Credit One Bank," and hang on me! I don't even know what will happen with the account. Bad business. Worst customer service.

I can’t buy anything on eBay - that’s what this was for primarily. Amazon I can’t buy, only their partnered companies allow me to use the card. This is a scam. Took $75 of my $300 limit off the top, like really? Wow, crazy... Hope they contact me.

I received this offer in the mail and applied for the card. Open acceptance I received a card. Before I even spent any money, I got a statement that I owe $80+. I have gotten two statements which I paid in full by the due date. However on each statement it shows an interest charge. When I challenged these charges they claim that you will be charged interest every day from the day the charge was incurred. Do not apply for this card.

I was late on payment because did not receive statement. When I reviewed my bills set up to pay through my bank, I realized Credit One was not paid. Paid last Thurs, payment will post today. Cust serv overseas kept telling me I had to make the payment now on the phone even though I had explained that the payment would post today. So I called the physical location in Las Vegas. 15 min wait time. I called back and ask the receptionist if she could have them call me when they were free. She told me no. Worst customer service I have ever experienced.

Last month and now this month, I received excess calls about my wife's account. By excess, I mean 2 and 3 calls per day from Credit One. I checked online on Friday 18, 2015 - payment was not showing. I called back on Monday 2/23/2015 and it shows it being paid. My wife pays her bills with a debit card and that account shows it being paid on 2/18/2015. Their agent and her supervisor said they made no calls. Something is wrong and it needs to be checked out.

I paid my bill off last year and tried to cancel my card. They say I still owe them money even though I have not used the card. The main thing that upsets me is they call me on Sunday morning while I am in church. They have done this the last two Sundays.

Credit One, your website should not be so difficult. All I wanted was to see my statement and there is nothing that shows it. I called and the lady says I need to call Customer Service so I waited. And Nothing! Finally she said, "do you want something else?" I said, "Yes, customer service." She said I would have to call back. WHAT? OH MY GOSH!

A Business called HEALTH DIRECT on my Visa card billed my account for an unauthorized charge. I called immediately to have the charge removed. I even tried to call twice at 1-818-303-9260 and was hung up on. When I received my Credit One Bank statement the name and number were different than on the billing statement. I sent them a copy to Las Vegas Office to complain. I got no help to help resolve my problem.

I have been with Credit One Bank a little over a year now. The annual fee is ridiculous, the customer service are not customer service people. What I mean by this is they aren't there to help you, just collect more money from you. Anytime you need help, you might as well sit on hold. They never call you back when they say they are going to. Charging fee after fee. This is supposed to be a credit card company that helps you, not eats you up with charge after charge. I don't care how desperate you are, go elsewhere. The only reason I still have them is to maintain credit history. It sucks to have to pay a monthly payment basically to them to keep my credit score. Close the account yourself, but that goes against you. It never will close because of the charges monthly. UGH!

I got charged an annual fee upon receiving my card. I got charged finance interest every month even though I paid my balance right before the billing cut off. Someone spoke to me from the customer service that they count the interest from the time of the purchase. Is this really a legal transaction? I don't get it.

Thought I was applying for a 2nd Capital One Card. I have great credit but wanted a separate card for vacation and I just like them. Credit One even uses their logo. Received card and just after activating it I saw that I was wrong. Yes I know I should have paid better attention. Since I had never heard of them I wanted to see other reviews, I was scared that's for sure. While talking to them cancel the card Jennifer (if that was even her real name since she had a very strong accent) kept calling me Ma'am. Really! I even corrected her at least 10 times. They said I could just try it out, NO THANK YOU! It is supposedly closed. Will check for the next few months to make sure. I now have the Consumer Financial Protection Bureau on speed dial just in case.

This is THE WORST credit card company we have ever been with. We were charged for not even using the card. I called customer service and freaked out on them. Could barely understand the representative, but I managed to FINALLY get my point across. You're in America. Speak freaking English!!! As soon as we pay it off, we will never get a card with them again. I'm charged interest even though I pay my minimum payment on time. Every month. I'm not a fan of Credit One Bank. At all.

There are so many different types of charges they continuously add to your account. They raised my limit from $300.00 to $600 and then charges me $25.95 to do so. For the last 2 to 3 months I've been having problems even logging into my account to review it and/or make a payment. Everytime I try it brings me to a page where I had to enter information to apply for another card, which I do not want. Everything I click on, even the contact us link, brings me to this pre approval page. I have been unsuccessful at logging in today due to this. Even if I click on the space to enter my login name it automatically brings me to this page again. I do not want another card through this company, nor will I ever.

Had my account for only 3 mos and have had a late charge 2/3. What a scam! The AG should investigate this company. I closed my account.

This is one of the worst credit card companies to get a card with. Their payment cut off time is unfair to the customer, they don't even take in to consideration if you're on a different time zone. I tried making a payment the same day my payment was due and they gave me a late fee. There are no options to help the customer. No automatic payment feature, no mobile device feature and their online service sucks. There is a fee for everything and when I say everything I mean EVERYTHING. The customer service is horrible, the annual fee of $75 was placed on my account. Didn't even have the card 2 weeks after I found out my payment was late which I'm never late on a payment, couldn't be waived. Just for future, people looking to establish credit with a helpful company don't go to credit one.

I made a payment of 200 dollars at the end of January and they "lost" it saying that they sent it back to my bank even though I have nothing showing that they sent it back. Then they made me pay them 310 dollars to be completely done with them even though my limit was 300 dollars and the lady told me she would not charge me the one time fee even though she did. I will never deal with them again. I got an attitude from each person I talked to and I will be telling everyone I know to never use this site. My credit is completely shot because of them!

I got my COB card and used it sparingly then they kept calling me. But when I answered the 855-306-4247 number I was called from, i just got a voice WHICH WAS SO DIFFICULT TO UNDERSTAND, saying give me your account number (which I didn't have off-hand) then give me your social security number. ARE YOU NUTS? I call COB and after 39 minutes on hold, I got another person WHO DOESN'T SPEAK ENGLISH. I got hung up on FIVE times. I called back BEGGING for someone who I could understand. They charged me $25 for a one-day late payment I didn't even know I was being charged for. After one hour and 49 minutes, it was canceled. YOU SHOULD BE ASHAMED OF YOURSELF COB. GET PEOPLE ON THE PHONE LINES THAT HAVE A WORKING KNOWLEDGE OF ENGLISH. I IMPLORE everyone who has a bad experience to call them.

On January 19, 2015 I submit an application online supposedly to Capital One for Walmart. Once I had finish the application it said it was approved. I been waiting for the card to arrived but instead I got a letter requesting documents, such as copy of my driver's license, copy of social security and my current w-2 form. I don't feel right about sending my identity documents.

After reading the reviews, I know I am not the only one going through this. Locked out of my account, phone calls all night and day (the most I had was 18 in one day), and the utter lack of communication from the Credit Card Company. Credit One Bank is breaking the law with their practices and you can get it removed from your report. Look up the FDCPA Act and do your research. Do all of your correspondence with them via writing, and keep copies! Please tell your friends about these people so they do not get scammed too!

Kept calling them for a bill. Never got one and they call me up, said I was late, and I gave debit card and charge me 9.00 dollar for using my debit card. My past due amount was 25.00 dollar - they charge 35.00 dollar extra. One week later after I pay my bill, I got my statement. Now I see they are doing again. I got 20.00 of and it's been a week now and nothing show up on the computer of how much I owe and you can't make a payment if show you don't owe anything. And I call them a couple time and said the bill is on it's way - after you late they send to.

My husband and I both have credit cards through this company and we never missed a payment because I pay our cards with my disability card. My husband got his federal income tax back and paid almost $700 and froze our cards now they refuse to refund or lift the freeze. They are thieves.

I was told to make a phone payment. It would cost me $9.00 and I told the clerk I would go online to pay. After setting up a username and password and changing it 3 times, the web still will not let me on, making me not have a choice but to call back and pay the $9.00. My first payment made took almost 15 days to post costing me a late fee but the girl did credit off the $25.00 late fee after I told her what date I wrote and mailed the check. I have been trying for the last two hours to sign on and make a payment.

I've been paying my credit card statement in full every month before the due date. Every month when I receive my statement it shows I'm getting charged interest on my balance that is added to my credit card at the rate of 19.90%. Most credit cards don't ever charge interest if the balance is paid in full every month before the due date. I am angry that I'm getting charged these fees. Should I take them to court? I would close my account normally but am trying to rebuild my credit and need this credit card.

I set up a account on their website. They told me my information was not accurate so they suspended my card even though they were receiving my payment. They told me to activate or disconnect my card. I had to send them a letter from my bank with my routing number then call back in 10 days.

I have a Credit One Bank Visa. I attempted to make payments online, however, Credit One bank claims that my Bank returned payment. However, my bank, a well known Credit Union, claims Credit One Bank has never, to date, submitted my online check for payment. However, Credit One Bank's customer service in India, keeps informing me that my Bank is wrong. However my bank has provided a print out that shows no request for payment from Credit One Bank. It has been impossible for me to remedy this situation, especially since Credit One Bank wants to blame everyone expect itself for whatever computer, internet, etc., error occurred, and the fact that one cannot get anyone in the U.S. on the phone, at Credit One Bank, which is beyond my control.

First and foremost, nearly every applicant receives a $300 credit limit. This by itself reduces your credit score because the limit is so low. Secondly, Credit One immediately charges $75 from the $300, leaving $225, which also reduces your credit score. Finally, since interest is compounded daily, it is next to impossible to close the account. In fact, it took two Credit One Attorneys to determine the final balance on my credit card. They continue to damage my reputation and my credit even after the account is closed and paid in full, and after losing in arbitration against a consumer. Their contact information is ** or **.

I got a Credit One card and was making monthly payments till they charged what I feel is higher interest than what we negotiated. I was in the army years ago and I am now disabled. I only get paid once a month. When I set the card up they said they would make the payment due on the day I got paid which is fine but they never did. I called into discuss switching my due date to my payday and they refused. They called me and asked me to borrow the money from a relative. I explained that I was raised in a children’s orphanage and have no family.

So every month I pay my bill twice because after I pay it off I will cancel them. But the ** tell me I can't pay my bill early and that if I don't pay on the schedule date, it will be considered late. So I told the ** on the phone "you can't stop me from paying my bill early and if it's reported on my credit report that it wasn't paid, be prepared to get sued". I throw the card in the trash just so I wouldn't be able to use it. ** this company, they're full of **.

I damaged my credit in my late teens/early twenties. Fast forward 6 years and I realized I needed to work on building my credit. Credit one bank gave me a chance. I got a small credit line and ALWAYS always always paid on time. You have to be diligent. I checked my account weekly. I never had any issues paying online and I never waited until the last minute. Customer service agents do have accents but I was always able to understand them and they were helpful and polite. This card helped me A LOT. I now have American Express cards and Discover cards in my wallet, thanks to this little starter card. When the time came to cancel it was maybe a 5 min phone call. They tried to keep me but were not overly pushy when they realized I was set on cancellation. I would recommend this card to anyone rebuilding their credit. Read the fine print. YES there is an annual fee. YES the interest rate is high. That's the price you pay to improve your score.

Had a very bad credit rating. Had no credit cards whatsoever. Every time I applied for a credit card, I was always told I didn't qualify because of a bad credit report. Applied to Credit One Bank and they accepted me. True, the amount of money allowed was only $300, but after making about 3 payments on the account, they increased the amount to $500, and they said that they would increase the maximum amount with further reviews. Since I've had the account, my credit score jump 75. I'm very satisfied with Credit One.

The first thing that upsets me is that they charge me $9.95 a month to pay my bill. I call and I speak with Glenn. I tell him I want to pay $150. So he says his usual "Along with that, you will have to pay $9.95 to process this payment." I then told Glenn "well then we can just end this phone call. I'd rather pay you nothing than to pay to pay my own bill." He then tells me that he was able to waive the $9.95 for me. Now usually I would pay online (Which I believe is free) but every time I try to pay recently, it tells me to call customer service. My belief is that they locked me out of my online account so that they can charge me $9.95 to process my payment.

The Credit One Bank appeared shady to me so I ended up here... I realized when I was reviewing the application acceptance letter that I was approved, I realized the top of the email said, "Credit One Bank." I thought that it was "Capitol One Bank" that sent an offer. I read on here that if you cancel via telephone and clip the card, you will not get charged. Realizing I am dodging a bullet, I just want to say that the practices that I have seen in these reviews are not the type I want to trust with my credit.

I saw the offer on the internet with no fees. Low interest rates. When I ordered it, some other things came up and I started reading of an 85 dollar charge every year. So when I received the card I cut it up and called them to make sure it was not activated. They said it won't even show up on your credit report because I did not activate it. Then within a few days I receive a bill for 81.25. I called and I did get her name and # and she said “no, it was not activated.” I asked then why do I have a bill for this when it was not activated. She said, "That is just sent out by the computer, just ignore it because it shows here you never activated it."

After the second month with this credit card company I had yet to receive a statement. We had yet to use the card for a purchase, yet I had a $25 late fee for the first month and then another $35 for the second month. Credit Karma reported this to me and I immediately called the "customer service". Credit one bank told me they would send out my statement on the 6th... still nothing. I raised holy hell with their customer service and the only answer I got was to go on line to check my statement. Not exactly the "legal" way to handle this type of transaction.

The worst company I have known. Bad customer service management, cheats, make use card charges in international countries. Speak well not know any language, or are not understand the english. The customer questions and they do not know that answer and take in help. Please find more options, capital one example, it is the better where 1 year and I'M delighted at all.

I was trying to pay my min. payment (and yes was late), but I had sent you 2 months ago a new address CHANGE. But aside from that issue, Yes, I did get my payment made, (or I hope it went through), I do have a Confirmation Number and I hope this was recorded.... DUE TO THE FACT I COULD NOT UNDERSTAND YOUR PHONE REP. Yes it went through but can you PLEASE put some ENGLISH SPEAKING PEOPLE TO WORK WITH AN ENGLISH SPEAKING PERSON. I have my acct no and I also have my confirmation number but this took too much time due to the fact that I had to have "your rep" repeat his sentencing too many times.

I have tried four times to access my account online only to be told they don't recognize my user name. I changed it and it was confirmed every time but when I tried to use it I got the same error message. I called every contact number on their website as well as the number on my card only to get the same voice mail message with no option to address online problems. The only way I could get a live person was to select the "lost or stolen card " option.

I made my payment on time and was expecting to get credit on the card, but they said I still owe more money on the card. And every time I make a call to them, a foreigner answers the phone. Please avoid this company at all costs. They're out to get you.

I lost my job back in December of 2013. I was still trying to make a payment too for my credit card. I now have a new job and found out that Credit One has added $114.00 to my account. As if losing the job and trying to make sure my family could eat and have a place to stay wasn't bad enough. Then I get a call from their collections team from Gary **. This was the rudest person I've had to speak on a call. He insulated the amount of the payment I was able to make, saying that "YOU MADE A PAYMENT ON DEC 12TH BUT THAT WAS ONLY -------- WHICH WASN'T ENOUGH TO COVER ANYTHING". He then proceeded to ask me "So how much of the balance can you pay today?" I replied with asking him if he was asking me to pay the balance in full. To make a long story short, Credit One will not only overload your account with fees, but they employ a ton of people with an opulence of attitude. I will pay this card off and deny any other offers created by CREDIT ONE BANK!!!

I got this card to help rebuild my credit. Year later I have fixed credit and got several better cards. I have called to cancel this card before they try to charge me another $75. It still shows I have an account, I called again, still month later is not closed. I will have to try and record call and get everyone's name but I still don't think that will help. It is like Comcast but worse because I don't get to at least get something out of it.

Credit one bank is a rip off in my eyes. They call and harassed me every single day at least 4 times a day. Some even starting at 7am in the morning. I hit a rough financial patch for a couple months, and I explained to them I was doing everything I could to maintain all my bills. They even argued back with me demanding I give them family and friends' phone numbers for them to call so I can get money from them. I mean who does this, and every time they call it's some person from India or something. But when I call them I can get in contact when I need to.

Ok, so got the card, whatever, they have their fees. Now what bugged me was the fact when I tried to get online to make a payment and it wouldn't let me in saying there was something wrong with my account? Like ok, wtf? So I called and tried to talk to some tech support and they just hung up 3 different times on me! So I waited and then of course here come the collection calls and I make my payment and tell them, “Hey, I can't get into my online account to pay” and they said they would fix it after I had made the payment and I told them, “Ok, but why couldn't I access it before my payment was even due?”

So Credit One Bank has an ingenious way of getting over on ppl by charging a late fee to your acct if you don't make a payment by a certain time on your due date rather than making it on the due date itself. I was charged a late fee 6 of 12 months in 2014. I didn't notice until Jan 2015. Just wondering why my balance didn't seem to go away since I only use the card for 2 recurring bills that's less than $40 per month combined. Customer service swear they can only waive one of the fees. So now I'm stuck paying them $125 in late fees even though I made the payment on the due date each month.

This is the worst experience I have ever had. First of all NO ONE is this company speaks ENGLISH! They ask for way too much information over and over and at the end they are unable to help!!! You are not even able to make multiple payments to your account. Something is very wrong with this so called company/bank. Hoping this is not some kind of Identity Theft!!!

Day one they charged me an annual fee. Before the due date, they called me limitless, everyday, early morning and late evening. At the beginning of each call, they asked continuously for my debit card and if I said no, they continuously asked why and tried tirelessly to get it. I went to three different bill-pay stores and this card is not in the system. They don't have physical address on the billing statement so one could visit and talk to real people. The numbers calling are always different and the people on the phone sound those scam callers! Hellooo! Can someone do something???!!!

This credit card company is more of a scam than anything else. They charge fees that are unsubstantiated, charging "annual" fees each month, even if you have a zero balance. They avoid being contacted. When I asked to cancel my account, on more than one occasion, they avoid, refuse to help and direct you elsewhere to those who happen to be unavailable. Fees continue to come out of nowhere and then they charge late fees for fees. This is a company you should avoid at all costs. Predatory at best.

Credit One bank is not Capital One bank even though they tried with the similar name. I just received my card and during the activation process a $94 balance popped up. Umm I didn't even activate the card yet. Apparently they claim to help people rebuild their credit however charging almost $100 before you even use the card is completely ridiculous... I called and canceled it immediately as should you. Stay away from these SCAMMERS.

After an hour speaking to 3 separate people I setup a payment supervisor. They stated it was not completed (it was) and charged $35. Another call and 45 min and two more foreign supervisors and they will not remove fee and want to charge more!!

I've been receiving phone calls 6 times in the past 2 hours. I decided to research the phone number, only to find that it's Credit One. They did not leave any voicemails of any kind. I logged onto my account and noticed that I still have a few days left until my Due Date. I called them asking what the call was pertaining to, and they said they wanted to call to make a payment over the phone. Before continuing, they asked for my 16-Digit Card Number, Full Name, Complete Address, COMPLETE SOCIAL SECURITY NUMBER, Primary Number, Secondary Number (Required! Can Not be the same number), Alternate Phone Number.

Ok I'm trying to get my credit back on track to buy a house. I had to file bankruptcy 3 yrs ago so I'm looking to get credit again. And this co said I was approved but when I got it and activated It I couldn't use it. Some foreigner said he would fix it but I still can't use it.

The worst credit card available. They harass you by calling you all day demanding account to be paid in full even before bill is due. I have credit cards through other companies and have never gotten a call from them. Credit One has no idea how to conduct themselves in a professional manner, they call constantly and can't even speak English well enough to talk to you. They are the worst company I have ever dealt with. They need to be investigated by the BBB or SEC. Would not recommend this headache to anyone. Their way of business should be illegal!

Not even due until January 26 and they just called trying to get me to make payment on phone!!! WHAT LEGIT COMPANY calls and harass you 2 days before the payment it's even due...I hate this credit card. Taxes can't come soon enough!!

Before I explain my story I want to say that I had marginal credit and was really looking forward to reestablish my credit. I saw this company CREDIT ONE BANK online and applied for credit card on December 17, 2014 and was approved immediately for $500 upon receipt of my credit card-approximately 10 days later I received the card. I began to read the disclosures and realize that this company charged exorbitant amounts of fees. I Immediately Called the company on January 4th, 1 day after activating the card and told them to cancelled the card for various reasons and that I had not made any charges on this card and that I wanted them to notate the account that the conversation that I was having with them was on record.

Was sent a credit card with 700.00 credit to my address from Credit One that I never asked for. I did not activate it, then two days later I get a bill for 51.95 for annual fee and premium design. I asked them how they can open up accounts like that without authorization and got no answer. I asked them to close the acct. immediately and they said they would. I will be double checking in a week.

I applied for this card at the recommendation of Credit Karma, and was approved for a very low credit limit. I read all the phone print and knew about the fees associated with the card. I received my first bill from them which I paid in full. Not needing the card I decided to just keep it for emergency situations between paydays. Then a situation arose where the card was needed and when I tried to use it the transaction declined. I contacted Credit One to verify why this happened especially since the amount I was attempting to charge was far less than the low credit limit they had set on the card and no one could give me an answer. I would not recommend this card to anyone whether looking to rebuild credit or not.

Worst company to deal with since I landed in America from Asia: A few words to Credit One Bank:

I've had Credit One for about a year. After the first few payment I made online my online account wouldn't take my password, I called cust srvc, they took my payment but charged me a fee. The next month the same. The next month I said I'm not paying a fee for trying to give you people money. At that point I cancelled my credit card and asked for a paper bill so that I could check out my fees and I would start paying them off.

First of, this is what happens when you don't take care of your credit. You are left with these options of getting a predatory credit company who risk giving credit and you have to pay for the bad service and high price to have a regular credit card. I have been a customer for a while. Can't complain except for as above. But I recently got an offer for a approved credit line increase. When I went to accept, it said declined due to my credit report. So now I have a new inquiry and was led to believe I was approved as I'm already a card holder.

Every time I send a payment, Bank One CAUSES A HARD HIT ON MY CREDIT RATING, delaying my house closing for months. Lost my wallet, called and canceled my card. Told them, "DO NOT SEND NEW CARD!" Not only did they send a new card, they added it to my bill. Guess the Indian named Tony didn't understand. NO CARD MEANS NO CARD, especially after being told I was going to be charged for it. NO OTHER CARD COMPANY CHARGED FOR THE REPLACEMENT. Do yourself a favor. When you see it in the mail, BURN IT or SHRED IT. Whatever you do, don't send it back. Read all complaints for yourself.

I have had this credit card for over eight years. I don't use it very often but lately, I've noticed that I was being charged interest even when the card wasn't used. They would bill and charge me interest in the same month but on an amount that I don't where it originated from. Upon trying to reach Customer Service, I was directed to the Philippines and India. I couldn't understand what they were talking about and they had no resolution to the problem. I think they are a rip-off for consumers. Please stay away from this company.

Attempted payment on Credit One Website. After submission, did not change screens, remained on submit screen - so exited and made payment directly from bank account. Transaction cleared my account and a second one appeared in my account. Called to verify why and no one could see it or clarify. I blocked payment with my bank after two calls to them, and they closed the account due to reject. But system should not allow two payments. They did get first payment only one due.

The customer service at Credit One is terrible. I called to make a payment and they told I could not until tomorrow morning. Why bother answering the phone at all? They won't hesitate to charge me late fees for non-payment.

Credit One Bank once again placed false late marks on my credit report when they are well aware I paid them on time. It is time to take these fools back to arbitration, where they LOST the first time!!

I received a preapproved credit app and thought it was Capital One. They charged a $75 fee, no problem I read that would happen. I'm angry, because I cannot make an online payment, or access my online account because they constantly suspend it. When I call to get it fixed, they hang up on me, you deal with India, lousy connection on the phone, full of static and very hard to hear what anyone is saying. I cannot wait to pay this off and not have to deal with them anymore. They started blowing up my phone the first month I had it because I was 8 days late on a payment. Being unable to access the online account, I had no way of even knowing when it was due at the time.

I have had emergency surgery recently and am waiting for my disability insurance to start paying me while I'm off. I contacted credit one to explain my situation and to see if they could help me out in some way as I am unable to make my monthly payment at this time as I do not have any income as of this time. They were unwilling to help me in any way other than telling me I needed to pay them a 25 dollar payment to keep me from being turned over to collections. I explained to them again about my financial situation and they told me to find someone and borrow the money to make the payment and then pay that person back. This company is totally not about helping their customers in a bad situation, only want their money or turn you into credit company and ruining your credit - very disappointed.

I received the credit one card today and when I called to activate it. This little foreigner tells me I have to mail them a copy of my driver's license and a utility bill. I told him nowhere on their website did I see that I would be required to send documents of any kind. He just repeated it over again. I told him this sounded like a scam. He simply stated that if they did not receive documents by February 7th the card would be canceled, I said good BYE!!! I pray to God above this does not mess my credit up.

I have had my COB card for close to a year now. When I first received my card, the annual fee had been added onto card, I had not gone the paperless option yet and had not received a statement for over a month and a half. By time I received the statement my payment was past due and a late fee was tacked on. I had contacted customer service explaining the situations and how I had not received a statement before first payment was due. Like so many other who have posted here, I got someone who could hardly speak English. I had asked to speak to a manager and was placed on hold for over 30 min. then hung up on. Frustrated, I just went ahead and paid late fee and set up paperless. Since then I have had no issues until here recently.

I have continually paid my credit card bills on time. The fees and the interest rates with Credit One are outrageous. I have have paid off the accounts (online) and do not get credit for money paid - they move it between accounts as they see fit. One account shows a $25.00 credit - the other shows I still owe $25.00 even though I paid each card individually, online, through Wells Fargo online banking. I have twice requested they close these accounts, they promised (by phone - only way to contact them) the accounts were closed. They are not closed. What do I do?

I just cancelled my credit card that I have had for less than 2 months because I believe their marketing to be deceptive, bordering on fraudulent. I responded to their "No Annual Fees" offer to later realize that they have an $8.00 per month fee instead after the 1st year (doubtless buried in the fine print). There is also a $75 initial fee charged (In lieu of the annual fee) for opening the account. The up to $1500 credit limit of course turned out to be $500 making the other fees in my mind usurious, particularly as a ratio to my $200 of actual purchases. I never received an initial statement so they charged me a $25 late fee which they did however waive. I asked them to at least pro-rate the initial fee for the less than 2 months that I had the card, I am not very hopeful though. I loath deceptive marketing and companies that employ it like Credit One Bank need to be called out for it.

I have had this card now for three months. Three weeks after having the card, I started to receive phone calls telling me my payment was due and I needed to express pay with a fee of $9.95 so my payment was not late. I explained I had initiated the payment through their website for $100. They said they did not get it and I need to pay right now, but according to the bill, I still had 10 days before payment was due. I reluctantly gave in and gave them my debit card information and made a payment of $100. It took 5 days for that payment to be processed and then three days later, lo and behold, another $100 came out of my account for the online payment I originally made. HUMMM??? So I just forgot about it and moved on.

Credit One Bank offered me credit of $500, which I got to help with my credit score. I did not use the card at all, ever. I never once purchased anything with the card. When my second ANNUAL FEE was billed I cancelled my account and closed out the card. I got another bill with more fees and late charges for not paying my annual fee. This added up to $77.84 in total that I paid to stop the fees from increasing. My interactions with the company's representatives offered no consolation or offer for reducing any of the fees even though I called three separate times to settle the account. Never did anyone offer to work with me on the fees on top of fees on top of fees for a card that was never used. Do not do business with this so-called "bank." The first "c" of credit is "character." This company has no character.

I read these reviews before I signed up 4 months ago. So far I have had a good experience. There are some annoying things like the 4 day delay in making a payment without paying the fee. Other than that, the website has had a 100% up time and login worked for me every time. I just recently received a $200 automated increase in credit and was not charged a fee. Also I haven't had any problems with the card being rejected at any merchants. It's not a bad card at all. Trust me there are worse cards. I will probably end up keeping it for a long time or until my credit score gets around 650+.

I applied for a Credit One Bank card and was approved for one. Then it says I should have the card within 2 weeks and it has been over a month and never received it. So I called them saying that I never received the card and send me another card within 7 to 10 business days. Then I have finally received my new card and find out that there were charges from my first card, transfer to my new card and I never received it. So I called to see about the charges and they reported them fraudulent. I asked them if I can use my card but they said I have to make payment of $25 before I can use. Why should make a payment when someone else used my card? I cannot use the card now.

They said I was preapproved for 3000 but only got 300. Ok fine whatever but then I checked my statement and there's a 75 dollar annual fee. Hell no!! I called and cancelled. I'll pay what spent but I'm not paying that annual fee.

I have been trying to get Credit One Bank off my credit history. I had a problem with them since 2008 and went to the OCC and they took and got my problem resolved or so I thought. Credit One bank has ruined my credit. I had OCC correct the problem then a few months later they resold my closed acct to another collection agency so I gave them a copy of the OCC. They closed my acct then Credit one Bank sold it again and so forth. I have sent letters to about 7 collections companies. I still cannot get it taken off my credit report. What do I have to do?

My only complaint is that I paid account in full about a month ago and then was billed 13.00 and some change for annual fees... I paid the fees and called and had the card canceled... Hopefully there are no more issues.

If there was a No-Star rating, it would be more fitting for a sham company like Credit One. I have been a cardholder for 6 months now and thought service would be similar to another credit company like Capital One (which I like), but when I saw some charges from an "Internet Service Provider" that I knew nothing about and NO CONTACT INFORMATION IS PROVIDED ON MY BILLING NOTICE TO KNOW HOW TO CONTACT WHOMEVER IS CHARGING ME. So, next I did what anyone would do and looked for the Cust. Serv. phone # to see if these were scam charges. But as it turns out, this is probably the only large company in the USA that has no telephone Customer Service and they direct customers TO WRITE ALL INQUIRIES TO THEIR VEGAS OFFICE!!! Laughable, so now I take all the time to get a letter ready for a simple $55 and $30 mischarge?

Beware of Credit One. I got approved for a Credit One Credit Card and I haven't even activated my card yet and they already charging me up the **. Here what they charged me. $75 for Annual Fee and a $6.95 for a Premium Design Fee for a plain standard card. Received the bill and I was displease with this shady company. They even have my name spelled wrong. Called in to cancel my credit card. The lady insist me keeping the card and she will waive $25 from my bill. Ain't that a **.. I haven't even activate my card. STAY AWAY FROM THIS CREDIT CARD company. I've didn't believe what others say, now it's true.

Received a "pre-approved" credit offer. When I pursued the offer, I received a communication via USPS demanding a copy of my driver's license, social security card and W-2 to process my application. WHAT?!?! No bank or credit company requires this. If this isn't a red flag that something shady is going on, I don't know what is. Someone should investigate this operation. Is this outfit using federal postal service to commit fraud???

I notice that my payment wasn't processed yet I was charged $25 for return check fee. I called them and they told me that my bank returned my payment saying "acct none transactional". So I called my bank and they said that they never even processed my payment that it doesn't even show they tried to call them and asked to speak to a supervisor because that's not right.

Since my last review on Jan. 2014 Credit One has issued a card with a $500 limit. Yes, it's got some cons - little higher % and annual fee. But overall this has started a positive path to rebuilding my credit after a bankruptcy. If you make your payments on time, every negative thing I read about can be avoided. I since then have been approved for a capital one credit card and a Kohl's credit card. Thanks to Credit One giving me a chance!

I had a Credit One Bank credit card. The fees were crazy, but I paid them. When I closed the account I talked to a rep and paid what she told me I owed. I asked if this includes all fees and interest. She said yes so I paid the total off on the phone with them. I then received my next statement on a closed account stating that I overpaid and there was a credit. I called to ask about the letter stating the account was closed (which I still don't have) and the credit. They informed me that there is no longer a credit because they made an adjustment on my account and the credit has been removed. They said that there must be a delay in the processing from when I got the total till when I paid it. Two problems with that... first if I delayed I would owe more money as the interest would go up and not have a credit. Second I paid on the phone while talking to the rep.

Their membership fee is expensive and so is their monthly administrative fees.

I was a victim of Identity theft and for 6 months I have been fighting with them to close the account and remove it from my credit report. They keep saying they've "mailed" me information that I need to fill out and return. But not only have they not mailed me anything, each time I call they tell me a different time that they actually "mailed" it to me. Not once repeating the same day (or even the same week). I've even disputed it with all 3 credit bureaus and they even "lied" to them saying the account is mine, so it keeps getting updated on my credit report. NOW! their latest scam is they say that they can't access my account anymore because there was a hold put on it because they were informed I was DECEASED! So, now they want me to mail my pay-stub and/or W-2 so the block can be unlocked! I honestly cannot believe there is a company like this in business in the USA!!!

First, their color scheme mimics the competition in order to mislead the public! They charge fees that are not explicitly indicated on the contract. Cancelling the card took 3 calls and each time I was on hold for an inordinate amount of time. I wonder whether they are legitimate.

After receiving the credit card I called to cancel the card and the company has been placing robo collection calls to me starting at 8:15 am all day until 9:15 at night even with my making my payments. I am now just paying card fees and late fees on top of fees because I never used the card.

for $81 dollars described as a fee for the card and informed me that my credit limit/balance is now $218. Not a bad way to make money. They charge you $81 for their soliciting your information in listing with them your personal information for a credit figure you are never going to receive, namely $3000. I called their customer service number 1 877 825 3242 and demanded they cancel the card.

I have been getting calls about my account at least 8 times a day. I don't need to be called so many times. I spoke with someone yesterday about my account. I can understand once a day or even twice, but not 8 or more. I would appreciate this matter to be solved.

I received an ad from Credit One in the mail and applied. When the card came, I saw that I already had a $75 balance. I called them and they said that was their yearly fee. I said that was not mentioned in the ad or I would not have applied. They claim it was mentioned (just hidden) but I still had the ad. I forwarded it to the Missouri Attorney General's Office. They said they would contact them but nothing came of it. In November I paid off my balance of $333. Then I started getting harassing phone calls from them. They said the payment got there late so they tacked on another $67 in late fees. I called a supervisor to complain. She offered to take off $25 if I paid right then. When I complied they had to add a $9.95 processing charge. Needless to say, I immediately cancelled that card. People should stay far from this outfit. The words usury, larceny, leech all come to mind.

This company has dragged me along long enough! First of all, they said that even as I was telling them about a Charge of 1.99 charge to this card that I had Discovered that this was a charge from a casting company. What I had discovered was someone that I was not about to do business with after checking their practices with a hook & bill 1.99 for 14 days with them. About 11 days after I was to be billed 35.00 then 49.00 a month, it had been about 3 almost 4 weeks since the original contact that ended with my calling Credit one Bank!! That is when I was floored to hear that they expected me to stop the casting Company as I had just relayed to the person on the line with Credit One Bank. I had just tried to have stop my credit one account from being billed and then they would stop the billing. As it turned out, not only have EVER CALLED OR STOPPED THIS CASTING COMPANY from taking any money out of my credit card and It has been a total Nightmare!!!

Received a real credit card (not one of those fake ones trying to get you to apply) in mail from this bank. Was very surprised, as I did not apply for credit from them. Information with the card said I had to call to activate it. Since I did not want it, I shredded it for security. Several days later, I received a statement in the mail from them for the $35 annual fee. Called customer service, first person hung up on me as I was looking for the account # on the statement. Second call, after a go around for a bit (basically the lady was not listening to what I was saying), I finally got her to understand this account was not opened with my permission and needed to go completely away. She did eventually claim to have closed the account and gave me a reference #. I will be monitoring my credit report to make sure it disappears.

Their website makes it virtually impossible to make a payment without assistance.

I have zero business with Credit One. I am a receptionist at a company with over 200 employees. Everyday, I receive about 15 phone calls from this company. They ask for an employee, but we have 4 employees with the same name (very common white girl name). I have told them repeatedly that until they can tell me what department, I can't help. The agents argue with me and are rude. In addition, one agent just offered to GIVE ME THE EMPLOYEE'S SOC NUMBER to verify which employee it was. This is so illegal! I don't know what else I can do, but I am really worried for the employee this affects since her personal info is out there.

These people are ridiculous and pushing. They will consistently call you for absolutely nothing when your bill is all paid up, they will call you and ask you to pay the full balance so that they may increase your credit limit. They lied about the fee and told me it was only going to be 60 dollars. When I received my bill I paid a hundred and seven dollars before I even used it. These people are terrible in the company every time you try to cancel your card trying to give you the runaround about the card. They do not help you with anything and sometimes when you try to call they do not even answer the phone.

I have had this card for about 6 weeks and it's a nightmare. I sent in a money order to pay my payment as I am in the process of changing all my account info at my bank. They have returned my money order stating insufficient funds. How the Crap does that even happen???? It’s not possible for it to be insufficient funds!!!!!! I called and spoke with customer service. They are rude and refuse to let you speak to a supervisor. I had a person call from there yesterday morning. She was very rude and yelling at me and hung up on me. When I tried to call back moments later it said the office was closed!!!!!! If the office was closed how was she calling???????? 10 attempts later miraculously the office had opened and I spoke to someone who sounded like they were from India.

They will start calling you before your bill is even due trying to collect payment. You never can talk to anyone from this company. I will be canceling this card ASAP. This is a worthless company.

In reading their decision to close my account, the bank validation received for the bank they needed was not the one they asked for. The information was not provided and unfortunately the account is not eligible to be reopened at this time. Which means they gave me my new balance and I still paid my payment days ahead like always but that fine. I will be on the list of people who are filing a class action lawsuit with Credit one also. Count me in! Again I am still paying it and I will mail payments via certified or western union.

For two months in a row a representative called me and Demanded Payment when my payment was NOT EVEN DUE YET! When I asked the rep to please advise me when the payment was due she didn't know and had to look it up. When she then told me payment was not actually due for another week I hung up on her.

We decided to take this card (like everyone else) to help rebuild our credit and we just have a small limit. We used the card twice and both times I went home logged on and paid balance in full each time from the same checking account and the third time I accidentally paid twice. They shut the card down. Cannot get our money back or get the card back on. We had our bank send a letter everything they ask for. We don't know what to do. Very angry!

I've had this credit card for about 6 months with no issues. I pay on time, never been charged unaccounted for fees. Then I get a message that I qualify for $250 credit increase for a $19.99 fee, so I accepted the increase and was OK with the fee. A week later, my card was declined for a $16 transaction. I tried it again somewhere else just to make sure it wasn't a mistake and it was declined again for a $5 transaction. So I went online to try to figure out the issue since I KNEW I had available money on the account. The website said my account has been suspended.

I paid my Credit One account in full and tried to use my card... it was denied. I called Credit One Bank and was put on hold for 15 minutes.... then I spoke with some low level customer support rep who kept asking me for my checking account routing number and bank account. I told him my bank account information was on file and he didn't need to ask for it again (I smelled scam here). He then proceeded to tell me my account was closed and my online access was no longer available. This was surprising since the previous day I was able to log onto my account and view my account --- paid in full. Now my card is de-activated and they're treating me like a criminal. Who are these people and why does our banking system allow them to operate in the US? I would trust Russian mafia over these thugs. Stay away from Credit One Bank... they're fraudulent on every front.

I've been with the company for a while. Everything was fine until I had to contact the customer service. If you call the number they have listed as "customer service" you'll end up with collection department no matter what. It's like assuming you always on collection if you are their customer? Moreover, all the calls you made will be answered by incompetent reps overseas. They either don't have the skills or you can't even understand/hear what they said, and they'll take you around the circles many times, have you reveal all your private information and tell you "I'm from collection, I can't help you with it"...

Twelve to fifteen calls on a Sunday. No message, wouldn't pick up, and then it holds the phone line when I had an emergency.

This credit card preys specifically on those with little to no credit, poor credit, or building credit. They offer a high APR (23.9% + monthly periodic rate 1.992%) in which you pay an annual fee of $100. However, if you enjoy being nickle and dimed, then this is certainly the card for you. If your card is lost, stolen, or you just need a replacement, you must pay for a replacement card ($25). If you want a credit line increase, you must pay a fee ($10). If you want to pay your bill by phone or on their website, you pay a fee ($10). If you are late by a couple of days, then you are subjected to multiple harassing phone calls, beginning in the early morning until late at night. And forget about customer service. Not happening. However, the most disturbing feature offered by this lovely bank from Las Vegas is that they begin charging the aforementioned ("reasonable") interest THE DAY a transaction is posted. Not 28 days, or 30 days... The very day. Which, I did not realize until I read the terms and conditions of an offer they sent for me to open a second line of credit.