Credit One Bank Reviews

I'm a customer. I do know they're a predatory lender now. However in an attempt to build credit, I took their offer after my Chapter 13 was fully paid and discharged. After a few months before payment's due date, the calls would start. From 8:00 am-9:00 pm EST. The calls come to my home and then cell phone about 2 minutes apart. This happens every 50 minutes or so non-stop for 13 hrs. In the spring and 8/2013 it was so bad, I threatened police action as I sat there with a bill not due.

I make my payment by phone...I'm not a fan of outsourcing to India... Nuff said.

I opened a card with Credit One Bank years ago when I was 19 years old. I paid them on time everyone. 4 years later, I couldn't pay it no more so I asked them that if I paid them in full, if I could cancel my card since I couldn't pay them any more and they said I wasn't allowed to cancel with them. My balance went up to $1100. Since I couldn't pay, they decided to sue me this summer. Now I am in the process of paying their lawyers and for some reason, they are stating that I had a job. I never worked before and never reported that I worked to Credit One. I've been disabled since the age of 15 and been on disability ever since I was 18. Like everyone else, everyone who I talk to from Credit One was foreign.

There are 3 reasons that I know that this Credit One Bank is not the card for me: fees, fees, and more fees that my other cards do not charge. I've maintained a zero balance with Credit One Bank over the past year. (1) Each month they charge me an $8.95 charge on my 0 balance for reasons I'm not completely sure; (2) They automatically charge my card a $30 late fee at the start of my payment due date and reverse it off my account if a payment is made by close of business; (3) They have been offering me a limit increase over the past year, but in very small print they notify me of a fee if I accept--who does that! I just paid my last $8.95 today (on a zero balance) and will be closing my account as soon as it posts.

I have had my card for six months plus and since the first payment inquiry, I have not been happy. None of the credit card customer service reps are English-speaking which makes it very hard to understand when the phone number you call them on sounds like it is under water. I have been late for the first time this month and I've gotten a call every hour on the hour seven days a week. The first 5 days of which I was in the hospital. The guy was so rude the first day. He would not let me even explain my situation. He just kept demanding my checking account information and I told him it was overdrawn and that is why my payment was late due to my stay. I would not take any calls from them after that issue.

Credit One is reporting a fraudulent card to collections. In July of 2012, I received a Credit One credit card in the mail, claiming I had applied for it. I immediately called the company and told them that I had not applied for the card. I was told no police report would be necessary, and it could be canceled before activated, eliminating the $94 annual fee. In the months following, I heard nothing from them, and assumed it was closed, until it showed on my credit report. I called several more times over the next year, until last month (7/2013), each time being advised that as of 10/3/2012, the "investigation was completed" and I was not found responsible for any card activity.

I too had the same thing happen to me. My boss got a voice mail telling me I needed to call a 866# and give them a claim #. The guy was pretty rude and threatening, telling me that they didn't leave a message, their "locator" must have. Said that I was accused of "breach of fraud" because I didn't pay my bill, and that I was in pre-litigation. They scared me pretty good, I called Credit One and was told that they sold my account to this place, so I needed to deal with them. When I called back, they said as long as I hadn't had any papers served to me, I was ok, and they would be able to work with me. I gave them my debit card #, but at the last minute, changed my mind and when they asked for the security code on the back of the card, I gave them a different one.

I was recently in San Diego on vacation. I had used my card at a duty free store on the US side of the border. When we got home, I called to verify my balance and found 3 fraudulent charges from Mexico on my card. I got a rep on the line and asked first of all for someone in the US and not India or wherever their call center is and was told they were it. A sterling example of where this country is heading and what is wrong with it. Why aren't their call centers in the good old USA where you can get someone named Jose or Fred to help you? Anyway, the charges had yet to post but were pending. I explained that I work for one of the largest banks in the world and we handle fraud claims daily. The service rep said they could do nothing about launching the fraud investigation until they had hard posted. I said that's insane as THEY ARE FRAUDULENT, READ MY LIPS!!!

I only had this card for 4 months and after being only a few days late, decided I would pay this card off and close the account. Their customer service reps (3 of them) refused to listen. I told all three of them that I would be paying this card off on a certain day. They kept asking for my banking information over the phone. I told them repeatedly that I WILL NOT give my information over the phone. They continued to harass me for it. So that day finally came that I could pay them off. I used their online system. The payment went through. They got their money. When I went to look at my account online they had temporary suspended it. I called them, they said they account had been suspended because I paid more than the amounts I usually pay. So I had to get them information from my bank validating that my bank paid my credit card. What the HELL!!! What company freezes your account due to being paid off?

I have been trying to pay off Credit One Bank for several years. I finally began to work with a credit counseling company that is consolidating my payments into one easy account while they paid off my creditors. However, the one and only company that would not work with them was Credit One Bank. They wanted them to be a member of another accrediting group that this counseling company had never heard of. Or they wanted you to use THEIR group.

When account was first opened, I was charged without having even activated my card. Fees were reversed and a new card reissued...I should have known then not to do business with this company. About a year later I lost my job and had initiated their CREDIT PROTECTION...Again problems...they had no clue regarding their own credit protection plans and services...harassment began. Finally Credit Protection payments kicked in...

I received my card 1 month ago with a credit of $300. I had forgotten about the $75 fee payment (which is BS) so I was late on that and noticed my balance was SUPER high. Point blank...I’ve read too many bad reviews on this card. I want to pay the balance off and close this card without incurring the ridiculous interest. SOMEONE HELP...is that possible? Is this how people normally pay off their balances? I want this thing GONE.

I have been with this co for over 3 years and never have been late. When I tried to log in to make a payment, it stated it was temporarily suspended. I called the number and after an hour of giving me the runaround, they decided to transfer me to an acct specialist. The call got disconnected. I called again and went through the same thing: when they transferred me, I got a voice mail.

I have had an account with Credit One for over 3 years. I have had no problems even when I missed a payment. No strange phone calls. Just paid the late fee. As far as using the website to make a payment they give you an option to pay at no fee but, your funds will not be available for use for 4 days. If you want your funds to be available sooner then you will be charged $9.95 your funds will be available next day. This is spelled out on the site. I have never had problems making a payment on the website. Sometimes I make a payment at Wal-Mart it cost $1.88 and the funds post in 2 days.

If they say there are fraud charges against you or that you are in legal trouble that is illegal, talk to an attorney and sue them. A creditor can sue you for breach of contract and only accuse you of fraud if you lied on your application, say about income, your age, address, etc. So, if they accuse you of fraud try to tape the calls, go to a lawyer and sue them. I have this card and it sucks, $8.25 a month is charged for the "membership" fee which is $99 a year. If membership has its privileges I cannot see what they are with this company. A $400 credit limit @ 23.90% interest and $8.50 a month fee is crazy. Cancelling the card.

I applied for a Credit One Bank credit card, based on my poor credit, and I think it's just scam and poor business. I missed a payment, they said, and I got charged all these crazy fees, but I made the payment. But they denied it and did not process it and so I accumulated all these charges, and was unable to make payments because of it. I tried contacting them several times. They put you on hold forever and nobody ever comes to phone. I believe my credit limit was 400 dollars. Well now they want me to pay 800 to 10000 dollars because of problems with payments and not able to contact them on the phone. Never sent me a bill via mail or anything or collections notice.

I opened a Credit One credit card with a small $300.00 credit limit and as others have said wound up with a balance to use cash of $245.00 after making one payment. I used the credit card and through a company that took my money from the card and after trying to solve fraud attempt I never received my purchased goods nor credit to my account. I called Credit One to let them know several times and they were to send the proper papers for the investigation and never did. Since then my husband has had a heart attack and I have suffered loss of work because of my health. I told the Credit One I was going to file bankruptcy and they still called me, my family, my friends and told them that I was in severe trouble with the law and I was going to be charged with fraud.

My bill was the due the 28th of the month.. I made the payment online a week and a half before.. They said it would take 3 to 4 days for payment to go through.. which I get.... Then on the 29th I received around 20 calls from the same number.. so I call it back and come to find out it was from Credit One Bank.. So I logged online to see why they was calling me. It said my payment never went through, And being that I get paid every two weeks, I had money again. So I placed another 30 dollar payment on the 29th.. That said 3 to 4 days transaction, hoping it would be 3 to 4 days. and they would catch their mistake......... Then the very next day on the 30th both payments came out the same day. Even tho it was for 2 separate months..

I received a pre-approval letter in the mail, so I went online to complete the process. I got a "Congratulations you have been approved" message, but then days later I received a notice in the mail requesting additional information. They wanted a copy of my driver’s license, social security card and W-2 or a utility bill. **??? Why would a credit card company need all of that? When I called them to question them, I was told they needed to verify my identity. I told them I don't even have the card yet, but you're requesting my personal information? Really?? Well, with that said, I will NOT be opening a credit card account with these people.

I have had credit one for a while now and was late 5 days once. Lady called was really nice. Told her making payment online next day. No more calls if you pay your bill. People doing their job won’t call you!!!

I paid my bill on time each month, ALWAYS paying more than the minimum amount. I paid my account in full and within 10 days I had 9 charges made in MEXICO to NEXTEL, which were within $24 of my account limit. These were fraudulent charges, and I received a letter from Credit One stating there had been a freeze to my account due to suspicious charges. YET, after 4 calls made to representatives and a letter of dispute, NOTHING. I am making the minimum amount of $25 to protect my credit, AND THIS CREDIT CARD COMPANY DOES NOTHING TO PROTECT MINE. Please, never apply. I believe they allow employees to access information regarding your account and allow fraudulent charges. They are based in Las Vegas and charges were made within days of paying this account in full, in Mexico. Credit One, send the written account of your investigation that I have requested...

This company plays with your payment for 4 days and if you don't want them playing with your money you can pay extra for an express payment. This is a ridiculous scam. How can we let these scum bags get away with this? I cancelled my account with the crooks. You should do the same. Merrick Bank is 1000 times a better and real company. Credit One Rot In Hell. Your time will come.

When our payment was three days late, the harassing phone calls began. A number calling me several times each hour (866-364-1639). When I answered the phone, no one was there. I finally called the number back and discovered it was Credit One Bank Collections Dept. They said if I would make a payment over the phone, the harassing phone calls would cease. I explained to them that our payment was late because my husband's father is dying and we lost track of our payments this month. I also told them that an electronic payment had already been ordered through my bank and they would receive their payment the next day. They were rude and uncooperative. What they were after was my banking numbers, which I refuse to give up. They told me the calls would cease but two days later they continue, more and more often. I called to tell them when they answer the calls that there is no one there. They explained that they cannot control what their auto dialer system does. Our phone is our lifeline right now due to my husband's father's illness and we are driven by this interruption in our solitude!

I had a account with Credit One Bank. I only had the minimum credit line of $500.00. I had a balance of $200. Some odd change. Well to beat all, they cannot call and threaten anyone with going to jail or being arrested. That is a violation of a fair credit act. As well if you send them a letter in writing that they can no longer contact you. You have the right to document their harassing calls.. If they contact you further you can have them fined up to $1000.00 each time you are contacted. Use your phone records. I just recently went through a debt consolidation company. It may vary from state to state. I am living proof that they cannot harass you or call your job or send you any mailings I'd you have asked them in writing to stop. You know you owe the company. All they want is their money. They are not going to take you to court or cost themselves any more expense. Make payments as you can of what you can. Always make sure you have a receipt.

Got a call from a local number asking for my information and telling me I had charges against me (which I was completely unaware of)... Gave me an 866# and a claim#. Called the number automated system said the company name was Global. The charges were for breach of contract and fraud. The gave me a few payment options and if I didn't pay, a "locator" would come to my house.

They have been calling me threatening that they have filed charges and need my info to serve me with paperwork. They have called my employer and have also told them about criminal charges being filed... Ridiculous!!

I've been with Credit One for several years and in that time, I've had several credit limit increases, some of which came with a fee and some that didn't. There are a number of fees associated with this card and the interest rate is high, but all of that was spelled out in the initial paperwork. I never saw any attempt to hide their fee structure in the terms and conditions and believe me, I examine this stuff carefully. I do carry a balance sometimes, but I also try to keep the card paid off as much as possible (and always pay at least twice a month and well over the minimum payment if I can't pay the balance) and for what it is the card has worked well for me.

After accepting the offer, I was advised of a time frame for delivery of my card - approx. 3 weeks. After 1 month, I called to ask about the status of my offer and was told the card had been sent on June 19, 2013. On or about June 27, 2013, I received a statement in the mail with the charges applied. I called again and asked about the status of the card and that I've never received a statement ahead of the card. I was told the card had been sent on the 19th of June and to expect 7-10 days for delivery - and that the billing statement always comes first. Today is the 10th business day for the expected delivery of the card. I did not receive it. I contacted Credit One again and they advised a new card would be sent with a new account number - again allowing 7-10 bus. days for delivery. I promptly asked to cancel my acceptance to their offer based on the poor service and high fees. They acknowledged my cancellation and gave me a reference number without asking... as if they are accustomed to this often.

I understand they are a hard lender type of credit card. However, they should have personnel able to handle something as sensitive and crucial as a credit card. I had a dispute with a vendor and every time I called, I got different and, as it turns out, incorrect information. The level of ineptness and incompetence was staggering. It is obviously outsourced overseas which if they are trained properly would be okay but this is not the case and it shows. I suggest strongly trying another credit card company. They could actually hurt your credit rather than help. My guess is this company will not be around long.

I was out of work for several months and got behind on my card. They added so many additional late fees and monthly charges that the balance soared. I was finally able to start making payments again, which I did to the tune of several hundred dollars, finally bringing my balance back under the credit limit. Looking at my account online, I saw available credit and decided to use it at the store to make sure. Sure enough, it was declined. When I called CreditOne to ask what was going on, I was informed that the account had been closed.

I lost my job and had to use my credit protection. When the credit protection ended, they canceled my card. They are still charging me an annual fee even though I cannot use the card. I am now working again, paying them off and will never do business with them again.

I tried, for a week, calling and trying to get on the phone with someone; tried their website for two weeks to get a payment to go through. I enter all my information and the website doesn't go anywhere. I am finally able to get a person on the phone and there's a $9.95 fee for processing the payment on the phone. They will not reverse the $25 late fee even though it was due TODAY and technically wasn't late.

I received a call from Credit One today about a recently opened credit card account. The first payment that I made online had several charges that were in question, but I paid them anyway because I truly wanted to make sure that the account was always paid and posted on time. While it appears that they are charging you for "paying your bill" and charging to make sure that it is posted as well, I paid the extra charges. So that meant that I was being charged for paying, and charged for posting. I tried to pay my second payment online. It would have been 4 days late because I simply forgot to pay it. When I attempted to pay it online the second time, the Credit One online payment process it was full of glitches. I tried to find out who I could call and where I could go to talk to someone about this, but I could not find any information.

This is what happened to me. I was robbed on Memorial Day weekend. I called all my credit card companies and they were quick to help and stop payment after the time the cards were taken. Then I called Credit One. Well to my surprise, I got a recording, yes, a recording letting me know that due to the holiday, I must call back on a regular working day, so I promptly cancelled my card. I have no problem paying this off, after all, I do own it. But what I do have a problem with is when they call me and I ask to speak to a supervisor, I am hung up on. And 10 minutes later, they call again. If it's the same person who I asked to speak to a supervisor, I am promptly hung up on again. This goes on all day long. This is not what I call good service. This is substandard and very rude people that they have working for them. Thank you.

I had a card with Credit One but when I became sick, I asked them to use my insurance to make the payments. The person on the phone started screaming that I can't file bankruptcy and I have to pay off the card. This went on for months, so I called OCC and got them to deal with Credit One. They closed my card and paid it off with my insurance or so I thought. Credit One keeps sending it to different collections; I am now up to my 9th Collections. I'm trying to find a lawyer so I can start a class action and shut them down. I will keep you informed. This has been going on for 4 years and it has cost me a home loan.

I received a credit card offer at the end of May. I made the mistake of applying for the card online without checking the legitimacy of the bank. Big mistake! I have never received a card and I have been waiting for over 3 weeks now. I called them when 10 days had passed and the card should have arrived. I gave them my new address because I had moved and asked that they send a new card. The rep said he would change the address and ship a new card. I asked to speak to a supervisor and the rep put me on hold for a very long time, only to eventually say a supervisor was not available.

My card had a balance of zero. I didn't use the card for over 9 months and had pretty much forgotten about it, just basically had it around only for emergencies. Then one day, I opened a piece of mail that didn't even have their name on it. It was just an IDE Script looking envelope. It said that I had an annual fee of $8 which I didn't pay on time, which resulted in a late fee of $35, which brought the total to $43. Then, 2 months of interest was also charged on top of the $43 to bring the total to $102.95!! I called to complain. Of course they don't budge at all, and I'm forced to pay. I cannot believe these people are allowed to operate. Credit One Bank is a predatory credit card company that operates way outside the lines of business ethics.

I ordered a credit card with only a $400 limit. I just needed a card for renting cars and such. This card came with surprises like not getting the card and getting a bill for $75 on a $400 limit. They must be out of their head! They don't state their business hours on the phone, just that I need to call back during business hours. If you don't get the card to activate, it seems like they shouldn't be able to charge you for something you never got or activated. Even moreover, they don't clearly disclose that there is a $75 annual fee. I would have never gotten this card had I known there was a $75 annual fee with 27% interest rate. What a scam. Stay away from Credit One Bank.

I received a pre-approval offer in the mail. I applied online and a week later received a letter asking me to mail them a copy of my driver's license, social security card and last 2 check stubs. I was reluctant, but I did it. Almost a month later, they claim to have not received it. Every representative I spoke to sounded like a foreign drone. No matter what I said, they kept repeating the same crap and asking me to send my documentation again. I told them that I would not do so and asked that they cancel my application. My suggestion is to stay away from them... a bunch of ** idiots. The more I talked to them, the more it all sounded like a scam!

What a ** scam!! They send you the free offer - give you $300 credit and when you log on to your account, the balance is $225!!! Good luck on finding a human to help you. Finally, I got Ravi ** who you cannot understand in Bangladesh that tries to defend their position. I had to cancel the card and I hope the scum bags did. We'll see. Do not get this card and everyone that reads this, please complain with VISA directly!

I have had a credit card from Credit One Bank for three years that I have always kept in good standing. I have not used it for a few months, as I was trying to not use credit to pay for everything. Recently, I have had occasion to need to use my Credit One Bank card. When I went to use it, the charge declined. I then spoke with their customer service department, and was told that I had asked them to cancel the card in March 2013. I NEVER authorized this to happen. I got this card when I was rebuilding my credit, and had to pay a $75 fee to get the card, a $25 fee to get a $100 credit-line increase, AND a renewal fee every year in addition. With all of these fees I pay, I certainly would not cancel this card! That would be like losing all that money from the fees I paid just to GET the card.

This company has horrible customer service tactics. They call my phone over 20 times a day at all hours of the day, 7 days a week. They never leave a voice mail and when I do speak with them, they are rude, do not listen, and do not do what they say. I have talked to numerous "supervisors" about the amount of phone calls and they constantly say they will put a note in the system that payment has been scheduled and these people will call me right back within an hour for the same issue!!! I have told them constantly that I am 6 hours behind them in time zone and when they call me, it is usually 2 or 3 in the morning!!! I have asked over 10 times to close my account and when I am transferred to that department, I am always disconnected.

I was trying to make an express payment on their website and it wouldn't let me make it. I then called them and told them I wanted to pay the card off in full, and that I wanted to have it done as an express payment. They said, "Fine, we can do that" and told me that it would post the next business day. I called them again today and it still shows that I have a balance. I in turn called them back again. They told me that my funds would not be available until 5/29. So if it's supposed to be an express payment, why does it take 8 days? They kept telling me that it states it takes up to 24-48 hours, but it says nothing on the website. Also, they kept telling me that since my payment is more than $100, it takes longer. But it says nothing like that on the website.

I have been calling Credit One for a replacement card which expired 3/13. After being told repeatedly that a card was sent, it is now 5/13 and they are still telling me the same thing. I always paid on time but they don't care. I requested that my account be closed, and they refused. I don't know what their problem is, but they need to be stopped!!!

I was going to write a check for my monthly payment when I realized the available balance seemed way too low. I checked my account online and noticed that in some Spanish-speaking country, someone has been making purchases with my card for the past few days. Omg, I immediately called the cc company and got a recording that pretty much said we don't care before 9 a.m. PST. How can no one be available to help right away in such a situation? As we speak, someone is using my cc and I can't stop them because Credit One won't spend the money to have operators available for this type of emergency. What exactly do I pay a monthly fee for credit protection for?

I have been making payments for over a year now and my available credit is so low as if I haven't made any payments on time. I keep track of my payments and I have been late only a few times. I closed my account because all my payments were not going towards the principal even if their APR is 23.9%. I am actually being charged interest more than that! This is ridiculous! I don't want to deal with them anymore. I told them I have no problem with my other credit accounts. Obviously, they are overcharging me!

I have called several times to get this resolved. It all started in March 2013 when they charged my account an annual fee of $8.25. I called and said I had cancelled my card and to remove the charge. They did not remove the charge and then charged a late fee of $24.91. Now my bill is $102.96 and they continue to call several times a day harassing me and my mother. I have tried to say, "Hey, you're the one in the wrong!" and they will not cooperate. Could someone advise me on how to take care of this? This company should be shut down. I know they are never getting a penny from me!

Credit One is the worst company to get a credit card from. Please listen to this warning. I am not late on my payments and they have called me to harass me anywhere from 5-12 times a day. When I pick up, they do not answer. I have just blocked them from my phone. I wanted to pay this credit card off because it is so bad that I started making automatic payments through my bank at $10 a week which exceeds my minimum payment. They charged me late fees at $35 each time. I called to speak with someone about it and they were very rude to me and told me, "You will never pay off your balance and we will keep charging you a late fee." In other words, they told me that they did not want me to make 4 payments a month so the $10 just before the due date was not the minimum payment that justified the late fee. Then they started applying my payments as much as 9 days later, sometimes 7 or 5 but it was always to delay it so they could charge me a late fee which in one case held me over the limit for 2 months which included more fees.

I was trying to process a payment for my card today, 4/30/13, for a bill due on 5/6/13. The balance on the card is $402.97. The payment would not go through online after several attempts so I contacted customer service. They told me they would "waive the processing fee" since I'm making a payment online which I'm doing so because of a glitch with their system. They then told me there is a payoff fee if I want to pay my card in full which is based on the "interest". I asked how, if I am paying my card in full, could there be any interest? I said what they are actually doing is charging a "fee" and where is it written that this is their policy. I also asked to speak to a supervisor who was not any more helpful.

I was out of town at a funeral for a month. I knew all my bills would be paid late until I got home. My Credit One bill is just late, but when I got home, I had 132 calls. I get back to my office and another 30 calls. This is just plain harassment. I spoke with two ** at Credit One and told them I mailed all bills out on Wednesday. They said it takes ten days to post it, that bit is coming. You would think Credit One is a ** and its employees their **. Damn, I’m expecting these ** to send ** to my house to get a late payment. This company is no better than some ** in the ** harassing their **. I signed up for a credit card, that doesn’t make me their ** slaves. I am taking my cell phone bill and my answering tape to a lawyer to see what I can do about this aggressive harassment, and if I can, I am going to file a law suit against these ** at Credit One! Lincoln freed slaves in 1865.

I made an express payment to my credit card to pay my full balance via the website and paid an additional $9.95 fee for the express payment. I printed out my receipt that stated my funds would be available the very next day. Well, I went to double check to make sure of my available credit and it only showed $35, even though the full payment had already been deducted from my bank account. After hours on the phone with the company and the runaround with over five phone representatives, the issue has still not been resolved. I believe their practices are illegal and fraudulent and not in good faith or fair dealings, and this company should really be investigated. And I'm also going to file a complaint with the Better Business Bureau.

Everyone check your statements! I have been a member for three and a half years. When I signed up, I accepted the annual fee for having the card of like 45 bucks. (I admit that my credit wasn't the greatest so I was trying to build it back up.) Keep in mind that I have never been late. I paid off the card 2 months ago but recently, I noticed first a $12 charge 1 month and then a $8.25 charge the next, labeled annual fee. When I called, I found out that the annual fee had been dramatically raised and that it was separated into monthly payments of 12 and then $8.25. The lady couldn't explain why they were different. She just said that it had started 4 months ago (my fault because who reads all the junk mail you get if it is not a bill right?). Anyway, that puts the annual fee somewhere between $90 and $150 a year. Rotten... I, of course, canceled the card immediately even when they offered to waive the monthly fee for three months.

I received the card in January 2013. I paid my bill on time each month. This weekend, I tried to use my card and was told by the cashier that my card was declined. I called the bank Monday morning, only to be told that my card was suspended due to suspicious activities. The rep went onto explain that there will be an investigation, and that I will be issued a new card with a new number; but I must make at least the monthly payment on the card until the investigation is complete. If the investigation proves to be fraud, the charges will be reversed. After reading the other stories, I am not too hopeful about the investigation. So, I would like to know how to start a class action lawsuit against this company.

In my book, this bank is conducting usurious and predatory practices. I was given a card by them with a limit of $500. Right off the bat, they charged $75 annual fee. If you believe in the saying, "What is good for the goose is good for the gander," they charge almost 24% interest on balances which will cost you and me almost $93 the first year. Then somewhere in their umpteen pages of agreements, it is said that the fee will go up to $99 a year, but to be understanding of the customer's financial situation, they will split this into monthly payments of $8.25 a month.

In Oct. 2012, someone in Memphis, TN obtained a credit card in my name with most of the personal information correct, but not all. I was referred to their fraud dept. and on Feb. 15, I was told that I would receive an affidavit to fill out and return with a copy of the police report within 30 days. As of today, Mar. 18, I have received nothing. I called again today and, just like the last time, I was told by a recording that they would get back to me in 48 hours. They have damaged my credit score and don't appear to help correct it. I live in Southwest Virginia and have never been to Memphis, TN. Is it possible to sue these people? Had they checked the information, they would have known this was an impostor.

I canceled the card which had a balance on it. I told them that I would pay on the card every month until it was paid off. What they continued to do was charge my account for an annual payment every month and a late fee even though I canceled the card. Nowhere do they state they would or could do this and nowhere do they state they have a right to do this. They are the worst! Don't get this card please. Read this complaint first! They harass you when you are a day late. They charge super high monthly fees and their service center is India! I am right now on the phone with them and I have been transferred 14 times. No one can give me a straight answer. They all lie. They will transfer you until you get tired and worn out by their **. Then you give up. The Indians from India have millions of followers that they can and will transfer you all day and all night.

I received one of the pre-approved applications and did not do my research before applying. I've never had a credit card before so I guess you can say I was the obvious target audience. I don't think I've ever gone through so much harassment the last week because of a late payment of $25. On top of that, I got charged another late fee of $25 increasing my minimum payment fee up to $50. I was waiting on my first paycheck from my new job to go through. That week alone, I received about 8 calls a day during work. I made the mistake of answering one of the calls which you could tell they outsource to other countries. It was a man from India who was super rude, demanding my debit card and account number. I told him I would make the payment at the end of the week, but he kept insisting "since we are on the same page, just give me your account".

I made my payment on the day it was due. I paid the balance in full. I used the express payment and paid $9.95 for the funds to be available the next business day. I was actually just wanting the funds to be taken from my checking account immediately. I logged in to my account the following day and was not only charged the $9.95 but an additional $25 late payment fee! I also noticed I only had $59 available for credit! Their response was since it was paid from my checking account, only the first $100 was available and the rest would be available in 7 days! You can make a standard payment for no fee and the funds will be available in 4 days! They waived the late fee. Where is the other $49 of the $100 available? They have no idea!

I have no association with this bank and do not owe any money to any debtor. I have a new SIM card with H2O Wireless and since then have been receiving calls night and day and a few at three in the morning. I keep getting calls from 800-322-2307 and one from ER Solutions, which is supposed to be a debt collector for COB (877-825-3242). I tried to answer and automatically the caller hung up. There is no means to tell them to stop harassing me. I am on the Do Not Call list and still getting calls from them.

I cancelled this account back in October of 2012 and am in the process of paying it off. I am still being charged annual fees even though the card is not being used. I feel this is very unjust as in as much as I want to pay this off, I still incur annual fees so it is almost like a purchase every month and takes away from my payment. Is this really legal? I can't seem to believe that they can get away with this on a card that is cancelled. Please let me know.

I was approximately one week past due. Payment due was on the 6th and I did pay out of my month end check so I was going to pay on the 15th. I could not log in so I called back on the number displayed on my cell phone since they call at least 6-7 times a day. I was going to pay slightly over my minimum. Then the guy got me to pay a little more.Then the supervisor tried for more. Initially, the phone agent assumed that I was going to pay my complete balance? Someone indicated that they spoke to a Sean? I've never heard an American/English name used for anyone at Credit One. They're all Indian or Pakistan names.

After getting behind on my payments for two months, I was getting no less than 20 calls a day from Credit One Bank and it was on at least 20 different local and short distance phone numbers ... let that sink in for a minute ... for two months. I was in a position to handle my account with them. I called in and made an agreement on the phone to pay the account in full if they remove the BS $35/late fees. She agreed and then I paid it all in full in one payment. I immediately asked to confirm I am paid in full and this would stop the ridiculous daily calls, and the representative said, "The account is paid in full, and this will stop any phone calls!" This company hides behind firewalls.

I lost my job and got behind in my payments. In December 2012, they offered me an arrangement that if I paid $125, they would waive the late fees and my account would remain open and report to the credit bureaus as being paid on time as long as I continued to make my monthly payments. I pulled my credit reports in February 2013 and found out my Credit One account had been closed. When I called the bank, I was told it had been closed in November 2012, a full month before the arrangement. After speaking to a supervisor, I gave up and decided to just keep paying the monthly payments on the closed account.

The mistake of allowing COB to take funds on a monthly basis from my account proved to be a wrong idea. Due to a date change, COB tried to withdraw funds from my checking account and was blocked by my bank. My bank told me that they tried this on two different occasions with different amounts. After all was said and done, I tried to go onto my "online account" and found it was suspended. I called and talked to three (3), yes three, customer service agents. I was told if I pay the month missed (the present month and next month's payments), my account would be back on. Not the case at all!

So I've only had this credit card for six months but I've paid the balance in full or close to it almost every month. This month, I made three payments, all before the due date. For some strange reason, the last two payments bounced back, but I still paid $350 on a $400 cc with a $25 minimum payment fifteen days before the due date. No one contacted me regarding the returned payments and I have no idea why they were returned. Instead, they just closed my card, negatively affecting my credit. I just spent the last hour trying to communicate with their customer service department, which is so bad it verges on fraudulent, only to be told there was nothing they could do to reopen my account.

They said I went over but I did not. From Credit One adding whatever fees and such they like, it caused the balance to be over. On top of paying a $90 annual fee, there were so many unwarranted fee. Then they call before due dates and say you're late when you are not. This bank clearly is taking advantage of people who are in need. I have a $400 limit. My account is at $407.52. Of that balance, I made purchases of less than $275. I have only had my card for 2 months. I have closed the card. If they can put that many charges in less then 60 days, that is ridiculous! I am furious and will be calling the Better Business Bureau.

On December 15, 2012, I was not able to log into my account online. I called and the representative stated they put a temporary hold on the account due to expected fraudulent activity. The fraudulent charges were in Mexico. I've never been or purchased anything from Mexico. When I talked with Shaun (a reported supervisor) on December 15, 2012, he stated that within the next 7 to 10 business days, they will send an affidavit to be completed and returned. As of January 12, 2013, I still have not received the form; however, I did receive the new card they issued. On January 3, 2013, I called their fraud department. However, you have to leave a message and they will call you back within 2 business days. I called again on January 8, 2012 at 3:59 pm PST. As of January 12, 2013, still no returned call.

I had my Credit One credit card not stolen but somehow they credit another credit card with my CC #'s and used in Louisiana. I live in California. I reported it fraud over two months ago. First, I called the number and I guess it's outsourced to India. They closed that account and said that they will send me paperwork to report fraud. They said it will take 7-10 business days. Well, 30 days went by and charges were still on my new account and no paperwork yet. I called again and they said they'll send another one. Well, two months later, still no paperwork and they only give you 90 days to report it and send back paperwork. Now, they temporarily removed the charges. I'm beyond pissed off for the time it's taking to handle this. I asked them why it's taking so long to send paperwork and they have no answer. I'm so frustrated and don't know what to do.

Space Shuttles retired and business slowed to unprecedented levels. I'm trying to make ends meet. I'm unemployed from October and most of November. Finally, I got back to work and one payment behind. Credit One failed to negotiate through various levels of management, and they continued abusive/harassment calls (over less than a $50 balance needed for meds and survival), of which I determined is an automated service and discredit to their service. Meanwhile, they charged ridiculous fees and penalties (possibly breaking laws) I'm unable to afford. Credit One sucks and is a discredit to American business, as even their own staff members will agree. I've attempted to contact the CEO to no avail and plan to sue for punitive damages. Credit One should not be in business. They are a disservice to our nation.

I have been a customer for several years, and they have always waived the high annual fee. The have now refused to waive it and said I would be charged a fee until the balance is paid in full which is fine. I will pay it off. The rep closed my account, and I called back to speak with another rep who said he would waive the fee to keep my account open and saw she closed it and said, "I am sorry, but we have to reopen the account." He did and then said he could not waive the fee now. It's ridiculous. Terrible service and policies. I asked to speak with a supervisor, and he put me on hold for 25 minutes then came back and said, "They said the same thing." If you need a supervisor, then get one on the line. This is terrible customer service here!

I have had this Credit One card for a year and sent a late payment. They received their $25 payment and cashed the check but have tortured me with 30 calls a day. Trying to reach their customer service dept is a joke. Mailboxes are full. There is no manager to speak with. I couldn't even find out why they were continuing to call. For the late fee? Very unprofessional. This is a hodge-podge organization. They should not be in business. I am really sorry I ever took the chance with this card. I am sending a complaint to the Better Business Bureau about them in addition to this review. I would hope that people thinking about getting this credit card will think again. You will be sorry!

I had a Credit One Bank card since 2007. In 2008, I called the 1-800 number to ask for the paperwork for my insurance since I would be off work all of 2009 for cancer treatment. But they said I could not use my insurance nor could I file bankruptcy which I never have. I could not get anywhere with them so I filed a complaint with the AG office in Las Vegas, and they refused to help. I contacted the Fed Reserve number for complaints (they sent me to help with my bank) who in turn sent me to the OCC. They got my account closed and the $250 credit/debit closed and paid off with my insurance, or so I thought.

What a scam! When I called to cancel the card, I was informed that I would still be charged the monthly fee till the balance was paid off, even though the account has been cancelled, plus when I paid off the card, I got a statement for $2.95 interest charged on a zero balance. How is that possible? Well, I sent them a check for $2.99. I'll see what happens with that.

Credit One Bank - I got this card after paying a $75 annual fee and $7 to put a lab on the front of the card. I used the card 2 times for small purchases. When I got my bill, there were charges of interest on the bill. I phoned the company and was told that interest was charged from the time of purchase; there is no grace period of 25 days like other credit cards. I immediately tore the card up and canceled the card.

I have experienced credit card fraud since July 22, 2012 and called numerous times with no follow up. I have called the fraud department and left my account number, phone number and email address. Still no response. They actually sent a physical credit card to an unauthorized user two times after mentioning I had credit card fraud. I would be so delighted to clear up the remaining $305 on my account but after spending 20 minutes on the phone today with customer service, I was given the same number to call. I absolutely feel the BBB or FTC should address this so other consumers don't experience this.

As a victim of Hurricane Sandy, who was evacuated from their home and was without power for several weeks, I am furious with Credit One Visa. I had a payment due during the week of Sandy and for obvious reasons, could not complete the transaction. I've lost my home, my job and to be penalized for an act of God, I've lost my faith in this company. I'll be transferring my balance to a different card and completing the payments there. In addition, I will inform other victims of Sandy, who are my friends and family, of the treatment I received from this company.

Credit One called me within a week of my account's first opening saying that I was already 30 days late. They have continued to report unfair and inaccurate fees, together with late credit reporting, which dinged my credit badly. This company should be shut down!

Credit One Bank is trying to appear as the respectable bank, Capital One. They then run a scam and add unwarranted charges to your account in the hopes that you would not notice, or that you would wait on hold with a center in the Pacific, then hang up and just pay the fees. It chewed up more in phone minutes than the fee in question. Then, they refused to answer my questions or allow me to elevate my complaint. Steer clear of these guys.

Two weeks ago, I got the Credit One credit preapproved mail. In the mail, it says that the credit line is up to $1500 and with no annual fee, but when I got the card, its credit line is only $300, which is completely useless, and with a $75 annual fee. So, I called in to cancel my card and asked them why what I got was totally different from the preapproved mail. They didn't answer and what they keep telling me is that this card can help to build up your credit, etc. I don't want to hear that; all I want to know is why what I got is totally different from the preapproved mail. So, I turned my voice up to let her hear me and stop saying those ** things. And what she did to me was talk over me and hang up the phone after that. Then I called back again. It was the other guy. She was okay and I canceled my card.

I should have been more thorough upon signing up for this card. The logo looks exactly like Capital One's. I signed up trusting it was Capital One since I have 2 of their cards. Well, it isn't. They charged me with a $75 annual fee, $20 authorized user fee and a $7 premium design fee; in which they just sent me a black card that is not premium. Now I am starting off with a $100 balance for my mistake of trusting it was a Capital One card and not a Credit One card. Even their reverse Nike swoosh mark is exactly like Capital One's. It's a tough lesson on reading the fine print.

I got a credit card offer from Credit One Bank at the same time a $75.00 activation bill. I never activated the card. I called to make sure this was not activated. The person was relentless, and I hung up. Now, I have an $1.11 interest charge on the activation fee for a card I never applied for or activated.

Today I placed a call to number 800-797-4299, web-related inquires, and informed your rep that I wasn't able to log into my account using Windows 8. I have two other PCs running Windows 7 and I have always been able to log in without any issues. Your rep started rambling on and on that she can't help me with that and to check with my ISP. I told her that it is not my ISP and I am a computer programmer, that it is more likely something with Credit One Bank's website possibly not being compatible with Windows 8. She started to become rude trying to over talk me and then the ** hung up on me. I don't take that ** lightly, especially being a customer. You need to reprimand that **. Just for that little incident, I will be transferring my balance and closing my account after four years with you. You can bet on that.

I received a pre-approval offer in the mail last week and decided to read up on the bank before applying. Thank you for all of these honest reviews, made my decision easy. I shredded the offer and threw it in the trash.

FYI, I received a pre-approved application for the Visa Credit Card. On September 25, 2012, I went on line and was approved pending final verification of my information. I received a confirmation number. On October 4, 2012, I received another letter stating, "In order for us to continue processing your application, the following documentation is required: copy of your driver’s license or state identification card (no!), copy of your Social Security Card (My response is absolutely not! Who does that?), current W-2 form, current wage statement or a copy of your current utility bill." With identify theft running rampant, who in their right mind will send a copy of their driver's license and Social Security card in the mail to recipients unknown? My additional response to Credit One was to cancel the application and remove my name from any future mailings.

I have had the card two months. I made two charges, one for gas and one for a political contribution for a total less than $50. Yet, the first charges were made by Ali-Baba, an international wholesale house, for about $200. I saw it on the first statement, along with a charge to a sex line number (they credited that immediately). They cancelled the card and charged me $25 for a new one, in addition to $75 for opening the account. They received two timely payments, over the minimum required, and on time. They sent a letter saying they were investigating the fraudulent claims.

I asked that my $7.61 payment be taken out of my checking account. To my surprise, they took out $761. I called Credit One immediately, good luck in getting someone to understand you. They told me they would have to send me a refund for the difference and it could take up to two weeks to receive. I said, "Can't you just let me withdraw it from my bank?" They said, "Yes at $200 per day, but 25% finance fee." I have bills to pay that cannot be put on a credit card. I have been with them for over 7 years. I cannot wait until I receive my check in the mail. It's time to say goodbye to Credit One Bank forever.

They charge you an undisclosed $1.00 fee every month, whether or not you use the card. This is on top of the $75 first year annual fee and the $99 annual fee for each of the following years. This $1.00 may seem insignificant; after all it's only $1.00, right? Wrong. If you forget to pay the $1.00, they will charge you a late fee of $25. This company is a total scam. Also, if anyone is interested in putting together a class action lawsuit, please contact me. My email is **. I think we should sue them for infringing on Capital One's brand. The only reason why I even signed up for this card was because I thought it was Capital One. They basically copied their logo. I want my $75 back and I think we all deserve even more for the headaches we endured.

Constant calls for really no reason. One day late and I started getting calls five days prior to the due date. Worst credit card company ever.

Credit One has this new feature called "express payment" which is really "payment hostage situation". I used to mail a payment on Thursday; it's posted by the following Tuesday. Now, unless you pay for their "express payment," they hold the payment for 5 business days. And I saw below the fee is $9? The reason we have a Credit One card in the first place is because we're broke.

I did not apply for this account, and they refused to show me proof. I have a negative item on my credit report, and they refused to remove it.

Hidden information - The reps are completely unaware of the company polices. I spoke with two different reps and neither of them gave me correct information. I posted a payment on August 1 and it won't post until August 8. That is unacceptable. I saw nothing indicating this when I applied for the card. My wife had an emergency and I was sure she could use the card considering I made a payment 6 days prior, but the card was declined because the payment had not posted. 5-7 days to post is unheard of. If you want it posted any sooner, there is a $9.95 fee. Go with another company. After this experience, I will cancel this card immediately.

I received a "pre-approved" application in the mail as a preferred customer. Under the "*" space for phone numbers was the statement: "I authorize Credit One bank or its agents to contact me at any phone number I provide at any time (including cellular/wireless telephone services), via a live operator, auto-dialer or prerecorded message." That got my attention. I then clicked on the URL to accept your card. It was a bogus address. Then I read the consumer reviews. If you don't have this card yet, don't apply for it. Don't take my word. Read the reviews. They are all basically the same going back to 2009.

I was issued a credit card by Credit One Bank a few years ago with the limit of $300. Last year I made a payment using a business checking account for a minimum payment and the check was returned for "unable to locate account". Now this was not the first time using that account; however, that was the second time it came back from them "unable to locate account". By doing that, I was slapped with late fees and a returned check fee. Meanwhile, there was absolutely no activity on the bank account. I contacted the Credit One bank regarding this, because it's only suddenly that they were unable to locate the account. Then I learned that they had closed my account. That caught me off guard. I asked why, the representative says, "because we can." I then asked that a final bill be sent by mail. Months later, in July of 2012, I received a bill from a bill collector for $733 that I must pay by August 13th. I am not denying that I owe Credit One Bank money but $733? I have no idea where this amount is coming from, especially the fact that my account was closed. I requested a final bill and they never sent me anything.

There are entries in my statement that do not coincide with the mistake in their monetary favor. I went to their website for a direct customer service number. None is listed, and each number that was listed was tried and I just got the same old message. I'm 79 years old and probably just won't pay until they contact me. At my age, who cares about credit score/rating. I would not recommend this outfit in as much as there is no listed number for direct customer contact.

I'm trying to contact their people so I can cancel the credit card, no answer. First, when you call, they ask you for the last four number of your social and then ask some other questions. Next thing you know, you're activating your card. Mind you, I have yet to receive my card. When I called the place, they were talking about calling within the business hour from 6AM to 7PM. Mind you, it's freaking 8:27AM. How can I cancel the credit? The funny thing was when I called them and answered the question on the phone, they were talking about I already used $7. I don't even know how. So if anybody out knows how can I cancel the application or card, please tell me. Thank you and have a nice day.

I called them back promptly to cancel my account after seeing the annual fee. I called back no longer than 5 minutes after accepting the account. They said ok and for me to call back after 36 hours to make sure it had been closed. It hadn't. I told the gentleman on the phone what my problem was and that it was supposed to be closed. He gave me the runaround. I asked to speak to his supervisor. First, he said the supervisor was busy. I told him I didn't care. I wanted to speak to his supervisor or his supervisor's supervisor. He finally agreed. He put me on hold for about 5 minutes. Then, he came back on and told me he had told his supervisor about my problem. He said my account was now closed. He told me to call back again, this time, in three weeks to make sure my account had been closed. I yelled at him. And promptly, I told him if I got anything at all from Credit One Bank.

I just wanted a statement from this company stating the date that I paid them off. Unfortunately, I contacted them on a Saturday and was told that the information would be sent to me on a Monday. Monday, I received nothing from Credit One Bank and called them back. They informed me that it would take 2 business days from my initial call and that I should have the information on a Tuesday. I called back on Tuesday and was then told that I would not have the information that I requested until Wednesday. I then requested to speak to a supervisor and was told that a supervisor would contact me in about 5 to 6 business days. Anyone out there who wants a credit card, do not get one with Credit One Bank. They will harass you over a very small payment and the customers service sucks. How can the Better Business Bureau rate them so high? Perhaps a payoff.

I received an application in the mail for the Credit One Bank card. I thought that they were associated with Capital One, so I filled out the application and mailed it in. I needed to pay off my child's braces, and I wanted to make smaller monthly payments rather than the $250 monthly payments that I was making to the orthodontist. When I got the card in the mail, I immediately realized that this was a mistake to have applied for this card, after reading their terms. I cut the card up and threw it away. The following month, I was billed from Credit One Bank for $25, then billed again last month for $25, even though I had not activated the card, and cut it up and threw it away! I sent in the payments, thinking that I was paying my Capital One bill (a big mistake, but Credit One Bank looks very much like Capital One, which is another one of their clever deceptions).

I get paid on the 1st of every month. My payment is due on the 28th. I called the first bill I ever got and asked to have the date changed. They said they could not. Last month, I totally forgot and instead of paying on the 28th, I paid on the 29th. They charged me $25.00 for a late fee. I was aggravated, but realized it was my fault. I called and asked again if they could change the date and complained about the late fee. The lady told me she could not change the date, but could waive the late fee this one time. I paid the balance off except the $25 and went on my way. I was just not going to use it anymore. This month rolls around and how much do i owe? $50.00 freaking dollars. I did not even look at that statement because I knew I had paid it off and was about to cancel it anyway. I had just needed it while I was in the process of buying a house.

I talked to non-English speaking customer service reps and was told they could not cancel my card. The due date on the bill is 7/18/12 and they started calling on 6/27/2012. They were very rude and ignorant. I informed them that if I got another bill, we would go to court. They don't seem to care. So, anyone out there up for a class action lawsuit? Unfortunately, that is about the only way to shut these crooks down. I have already tried the credit reporting company route and they are just as bad in trying to set things right. Stay away from these scammers. They hurt your credit rather than help you repair it.

This company is an extortionist-run operation. I applied for this card through Credit Karma. I was notified that they sent the card via email. I received the card and after reading the Visa/MC Cardholder Agreement Disclosure Statement and Arbitration Agreement, I called the number. Unbeknownst to me, it is the same number that you use to activate the card. I called an hour later to cancel the card. I voided the card and sent it back with a cancellation letter certified mail. I called them back after receiving a credit card statement for $25 due of the $75 annual membership fee. The statement is dated 6/21/2012. I called and recorded the conversation with an Asian customer service rep that indeed the card was cancelled. However, upon checking my Credit Karma account, I found out that this credit card is a new entry on 7/01/2012. Do not apply for this card no matter how credit challenged you may be. On 6/28/2012, I asked and was told that my telephone cancellation was sufficient.

Okay, I was approved, good so far. I received the bill prior to the card. This happens and is normal. I called the same night to pay the total balance, used my debit card to expedite payment so when I receive my card, there will be a zero balance.

Scam artists! Consumer, beware! They are still trying. They sent me an email to try to get me to activate the card - not happening. I have also sent them a letter not to try and pull any nonsense on me. I will fight them tooth and nail. Good luck to any consumer who has dealt with these crooks!

They sent me a credit card that has not been activated and I cut it up and threw it away. It says on the front of the card that if it's not activated, the account doesn't exist. Two days later, they have the nerve to send me a bill! This is a sham to get money out of people.

Credit One Bank got me with a low interest rate, then I was charged a $75 yearly fee and a $20 activation fee right away. When I found out, I paid the balance off right away so I could cancel this crap card. I was charge $9.95 to pay over the phone and then $7.90 cancellation fee. On a $300 balance, over $100 of it was fees. They offer low interest because they make their money in fees. When I called customer service, I get either an Asian or usually an Indian woman who are polite, but can barely speak English. I would not recommend to anyone. Horrible card. There are cards for people with bankruptcy that have less fees and are upfront about their fees. No need for Credit One.

I got harassed at work. They phoned me on my cell phone. They wouldn't let me hang up with the call or call at a later time. They harassed me by phone for 25 minutes! Also, I later checked that night on their site that I only owed $50.00, not $75.00 that they were trying to get out of me and it wasn't due yet. I paid on 6/15/12. Again, way earlier than my due date so hopefully, they won't harass me anymore.

My husband and I paid off in full his Credit One Bank Visa card. Since then, every month we receive a bill for what they call "annual fees". This occurs every month. Every month, I call them and they say they'll take care of it, but they don't. When we don't pay the bill, they hound us on the phone and insist on payment. What can we do? We don't want to close the account, but will, if we can't resolve this.

I am unsure of why everyone has a problem with Credit One. I received a pre-approval letter in the mail in Sept 2011. I read about the card having a fee. No offense, I am not sure why people did not read about fees before actually signing up. I always look for an annual fee. Anyways, I got my card, paid the fee and pay my payment through the website with my banking information, always have. I don't wait till my payment is almost due to pay it. I pay as soon as it tells me my due date. I have never had to call because I have had 0 problems with them, so I cannot say much to their customer service, never been told I am late or been called.

Credit One Bank Collection Department just phoned me on my cellphone demanding payment when I was trying to tell them that I just received the bill this morning at my PO Box and the woman was demanding I pay over the phone. Well, I don't have a debit CC at the moment; it's on order at the current time and she kept harassing me to pay when I did pay on 5/18/12. I paid ten days earlier than my due date which was 5/28/12 and for some reason they returned my money.

I ran into this site and wanted to give my two cents about Credit One. This will be a fair review by a real card user. To date, I have used this card for 3 months. What people are saying about the customer support is very true. They are very mean and rude. If you make it to a senior supervisor, you will get someone a bit more professional. The problem with me having to do this is the questions I posed were not about a balance or anything. Just average questions about the account in general. It should have been a couple of smooth calls. This was not the case. For this, they lose one star.

I just wanted to thank everyone who took the time to post here about Credit One Bank. Today, I received a pre-approved offer from them. It seemed somewhat off to me in some way, so I went to their so-called website and went to see what their so-called offer was. Well before I got there, the first two things they asked me was for the confirmation code and my social security number. I have a bachelors in cyber security, so I am extremely cautious about giving my SS number online. Luckily for me, I did my research and saw what everyone else wrote before I gave them any information. After doing a little more digging, I was able to find out that Credit One Bank is most definitely a scam. I fully intend to contact the Better Business Bureau and let them know of the situation. If anyone is reading this, I strongly recommend that you either don't sign up or if you already have, cancel ASAP. Good luck!

My travel agent tried to put in for payment for some plain tickets I purchased. I have enough money on the credit to do so, however, Credit One refused it. My agent he called me about it, so I called the Credit One card customer service at 1877825 3247. I inquired why they did not let the transaction through. The first person who I spoke with did not know what to tell me. So, I proceeded to tell him to cancel the transaction and that I was going to use other card. He refused, telling me the agent had to call them in order to do so. The agent called then and someone in Spanish by the name of Martin ** told him not to worry, he would cancel the transaction but he refused to give him a reference number.

Solicited through direct mail, there was a $75 fee that was completely unexpected and unexplained. I tried to call and make a payment. The only option to make a payment is over the phone or online that costs $9.95! Terrible customer service with very rude operators. Avoid.

Credit One sent me a card, which I activated. Then, within a couple of weeks, they sent me a bill for $110 ($75 activation fee, plus $25 late fee, and some interest charges). Then, they immediately sent the bill to collection who are now hassling us during weekends - day and night. These low rent scum (including the collectors) need to be reigned in, composted, and fed to the worms.

I got a pre-approval letter from Credit One. I completed the online application. It asks you to verify information, which is only used in extreme cases. I then got a response that they would be sending a request for more information. I called and they want me to fax or mail them a copy of my social security card. No way would I ever do that. I told the guy (whom I could not understand) to cancel the application and to delete my information. I am alerting my bank to be on the look out for any wary activity. These people need to be shut down.

They charge a late fee the day before the payment is even due! They have no online contact, and the website rarely allows you to post a payment via online, forcing you to call it in and pay a fee for doing it over the phone!

My account was not cancelled in 01/12 as requested and I am being charged late fees on late fee. I have talked with you payment twice in 3 days. I have made the payment of $51.64 to get your people out of my life. You are one of the worst credit card companies out there. If I was an elderly person and did not check, there would be a $1,000 bill by the end of the year on fees and late charges on those fees. Very unsatisfactory, you get a zero from me.

After a foreclosure, I was trying to rebuild my credit. I received this Credit One credit card offer. I was charged a high amount to open it, around $75 or close to that. After I received the card, I called to check the balance/amount available. I used the card and left about $20 on it. The limit was not very high. I received an email stating that I was over my limit. There was a $25 charge for that. This is what this company does constantly, they tell you have a certain amount available, but they don't tell you that out of that amount, they will be charging you all kinds of fees.

I signed up for the card and it looked good. I used the card to pay for a couple of things. I made a payment a week before the due date. I logged in to the website a week and a half after I made payment. I found out that my payment was never processed and they charged me $25 for not paying. They sent me a letter saying my payment was returned. So, I made another payment re-entering my bank info and it was returned again. Now they closed my account. I'm glad that they closed it because I hate Credit One Bank!

It seems my experience is similar to many others. I never used this card and the abusive harassment I received caused me to cancel it completely. This is a scam, these people are abusive and bullying. I have excellent credit. I am never late on payments on any bills but I have never experienced this level of rudeness and threats to bring down my credit rating. I had a $75 annual fee and I set up to pay through my bank. Not two days after receiving my first bill with this charge, Credit One called and told me that if I did pay through my bank, that they would report me as delinquent and insisted I give them my debit card as payment. I intend to tell anyone and everyone not to use these people and will report them to the BBB. And if I can figure out how, I will report them to the Attorney General's office.

I have both a Capital One-secured MasterCard and an unsecured Credit One bank Visa. Both started with a small limit of $400.00 each. I ruined my credit a few years back (Don't ask; it's a long story). Anyway, I have had the Capital One card for about 3 years now; and the Credit One, for 16 months. I started with a SC of 522, and as of today, April 26, 20012, my SC stands at 652 solely because of those 2 cards. I still have all that other bad stuff on my credit report, but over time, creditors don't look at it as bad as when I first ruined my credit.

I opened my Credit One Bank account in 2006. I paid on it faithfully every month. I lost my mortgage career in August of 2007 and had to live on credit until I found work. My limit on my Credit One Bank card was $1,050. As I approached the spending limit, the constant fees and interest charges pushed me over my $1,050 limit. The Interest rate was 23.9% APR. Credit One Bank was charging an annual fee which occurred monthly on my statement for $6.50 as well as a $23 interest charge. Once I was pushed over my spending limit by Credit One Bank's fees, more fees began to incur. There was a $29 over the limit fee. Because my payments were not bringing me under the spending limit, they charged a $29 late fee for every month the account was not brought under the spending limit. My minimum payment began to grow every month.

I got a direct mail offer to open an account. I found out later that they charged $80 to open my account. I attempted to pay twice through their online platform, but they rejected both of my payments without notifying me via email. They gave me a late fee because of that. They suspended my account and I ended up sending them a check for more than $100 (application fees and late fees) without even getting the chance to use my card at all because they closed my account. Thank you, Credit One, you just became $100 richer. That is a great accomplishment. It can't be compared with your outstanding customer service (not really), which does not even have email! I’m $100 poorer, but wiser. Just stay away.

I have never applied for a CreditOne credit card. Now, I am getting billed late fees and have never even owned this type of credit card! I don't know how they got my name.

First of all, they only allow you to use amounts less $1.00 on your account. I guess this is to try to get you over your limit. When you post a payment from your checking account, they make the amount available after 8 days. That's ridiculous, it's an electronic payment. They are trying to get you to make an express payment for $9.00 more, that's ridiculous.

I've been scammed by Credit One too. I can't get into my account, cannot change billing info, late charge posted the day before payment was due, payment not posted to account, tried to pay total amount owed and the payment did not include interest so I'll need to make another payment which costs $9.95 each time. Do not give them your bank routing /account info, which is their free payment.

I would like to thank this community forum regarding Credit One. Here is the link: https://www.consumeraffairs.com/credit_cards/credit_one.html. Thanks to all the fine people who posted in the link I provided above. I would like to share with you what happened to me maybe what I did will help to give people a clue and help assist in not falling victim to Credit One.

I have received several phone calls on my answering machine asking for "Chester **." Aside from the fact that Chester has been dead for a year, he was a cat and did not use the phone. When I got a call tonight, I picked up the phone and (eventually) was told that the call was from something called "Credit One Bank" and had to do with collection. The caller (eventually) gave me a toll-free number. I (eventually) worked my way up to someone identified as a supervisor, but all I was able to get was that he would stop the calls. I believe that if these "Credit One" people are not complicit in the apparent fraud, they would want to cooperate in tracking down the perpetrator. This is not the case. In fact, when I asked for an address, all I was given was a P.O. Box. I think most banks have actual physical locations.

To stop this, send a letter to your state Attorney General, state you complaint in the letter, and sent a copy of this list of these complaints. Mark the ones similar to your complaint. They (AG) will look into this. If enough people do this, Credit One will clean up their act. Credit One could be forced to clean up the negative marks on your credit report. Report them to the BBB too. I'm just three weeks away from applying for a house and Credit One has placed a late payment on my account which will make it impossible to get an FHA loan. I couldn't get into my account online and couldn't get a live person to help me for days. They said their computer was down. They promised no late fee would show up on my account. Well, it's not on the statement part but it's there hidden on another page.

I have had charges on my account. I called to inform them about the charges. Some of the charges include Facebook account, website account, and other changes that I did not charge. The first person I spoke with was very rude and she kept stating that I cannot do anything about it. I called again and I spoke with a different person. I told him that I would like to close my account. He suggested that I change my account number and he will have a new card sent to me and will hold all charges and dispute them. Problem solved, right? Sounds too good to be true, though—and it was! I just received a letter informing me that after all the investigation, they found that I have authorized all the charges; therefore, I am responsible for the charges. This is about $400.00 worth of unauthorized charges. I went online and read all the complaints and found out I am not the only one who is being taken for a ride by this company. Questions: What are we going to do about this? And what can we do about this? This is very sad!

I applied for a credit card as my husband had been getting preapproval notices from Credit One Bank and was approved for a credit card. Originally, I was told that I was preapproved. However, I get a letter stating that they need a copy of my social security card in order to process my application.

I opened a line of credit with Credit One Bank in November. My first payment was paid on their website on time. They never posted my payment and hit me with a late fee. On January, I mailed my payment eight days before the due date. They conveniently posted my payment the day after it was due and again, late fee. On February, I mailed my payment 12 days in advance, including late fees and again, it was posted the day after my due date!

I have tried to change my payment info (debit card) online. It gives no option to change a debit card, only checking account information. I have called for months trying to have them change it only to be given a lame excuse each time - usually, that they are having computer problems and to call back the next day - every single time! I have tried to delete my online account and it will not let me. This company sucks big time. Once I've paid off, I will never use them again and oh yeah, if you use your debit card, it attaches a $9.95 charge no matter if you're late or early. I wouldn't recommend them to my worst enemy. I asked to speak with the managers and they said that I will only be told the same thing. Complete, useless customer service!

I have never used the credit card and I want you to cancel it. Why am I being charged when the card has not been used?

I do not have an account with this company; however, for the past few months, I have literally received no less than 15 calls per day from an 855 number that appears to be Credit One Bank. I do not know why they are calling as I have no account there nor have I ever. They do not leave messages and they do not stop calling! It’s really outrageous. At first, I thought these were sales calls or robo-calls or something. But after looking it up, it would appear this is a collections thing, which is odd considering I have never had an account with them! I cannot understand how they even would have obtained my phone number. I can understand collections calls or the like for those who are customers of their company. If you don't pay your bills, you should expect this kind of thing. However, this is not that scenario. It’s harassment.

After being unpaid by my employer for three months, I fell behind in payments. I am making payments, just not as high as requested. I have explained all of this to the foreign representatives who call at least 12 times a day. On Sunday, they started calling at 7 AM. I have explained the situation several times, and told them when they can expect the next payment. The posted hours of operation on Credit One website for Sunday are: Collections: 1-888-729-6274 (5AM – 9PM from Mon-Fri, 5AM – 3PM on Saturdays, and 11AM – 9PM on Sun days, Pacific Time). Why are they calling at 7AM? This is unnecessary and excessive. How can they be made to stop?

They call me five times a day. Today, 3/5/2012, they called 11 times. They call 7 days a week. I think that’s abuse! I believe I’ll just change my phone number.

They sent me a credit card in which I did not activate. On 2/28/12, I get a statement in the mail saying I owe them $75.00 for a card I never activated. I call the customer service number to find out why they are sending me this bill and the system activated my card without me wanting them to and then hangs up on me. I called back and was able to speak to someone (Kevin **) and told him I got a bill in the mail for a card I did not activate and as I was calling to find out why I got this bill, their system just activated my card when I didn’t want them too. He tried to make it look like I activated the card and I didn’t.

I do all my banking with my online banking and I have been paying Credit One for years with online banking. The payments go through right away, without a check being mailed in. Well, recently I decided to pay off my balance completely so they requested my bank send in a check. **, why would that do that? So a few days after the check was sent by my bank, my account is late. My check not posted yet. I get that Credit One is a repairing company but this is completely ridiculous. That payment should not be late. And who knows how many fee's I will be assessed now that my payment is late. Calling this company to find out why they requested a check from my bank, they state they wouldn't do that. **! I spent over 2 hours on the phone with them.

Bogus charges added to account, payments not being applied to account in a timely manner which causes the account payment to become late and incur a late fee charge along with a 7 dollar monthly interest rate. Bogus charge meaning they actually charged me a late fee the day before my bill was due. Even with Moneygram express payments which they are supposed to receive in a matter of minutes takes a few days before it will post to the account according to Credit One bank.

Wrong amount was deposited for payment. I called Credit One Bank Monday afternoon trying to make a payment of $150. Only $89 was the minimum payment. I talked to the guy and I told several times that I wanted $150 and he repeated it sounding like $150 plus for $9.95 express payment. I go and check my bank account often and it stated that $459 was taken out by Credit One Bank. The individuals in eastern countries need to learn how to enunciate their words. I have no money in my account now. That $300 I will get tomorrow and place that back into my checking account. After this account is paid off, I am done with Credit One Bank.

I was over my credit limit for a few days. I received over 40 calls within 3 days from Credit One, but they don't leave a voice mail message. They simply call, and if they get my voice mail, they hang up. They will later call back within the hour, sometimes within 30 minutes. This goes on all day, and into the evening, until 9:30PM. I have never been harassed so much. I finally answered when they called me, however, there was no response. I hang up only for them to call me back again. I did speak with a man who did not speak clear English, therefore, it was very difficult to understand. He informed me that I was over my credit limit. I told him that I paid online and made the past due amount, and would pay the rest of the bill, before the due date. He accepted that, and there was no further harassment. There should be a limit of calls they are allowed to make to one person. I cannot wait to pay off this card, and never use it again! I would not recommend this bank!

This bank is a scammer. They play with your money on payments made for many days before posting it to your account. Do not use this bank!

I hope you can help me figure out what is really going on with my account. I made a payment in December from my Chase saving account for $25. I've made payments from this account before and I made my January payment for $75 using my US Bank checking account. I went online to see balance only to find out a block has been placed on my account because they can't "verify" my payments. I have no idea what that means. I faxed (twice) and mailed both of my bank statements and letter from the manager from US Bank stating this was my account and the payment came from my account. Now, I'm getting the run around on why they won't remove this block. They keep saying call back next week, call back in 5-7 days. I told them that it would have been a better procedure to notify the customer before you place a hold especially since I've done nothing wrong. Suppose I was checking into a hotel or needed a rental car thinking everything was ok.

This is a new card and I went online to make payment the day it was due. I tried to log in but my ID and password were not accepted. I called to change in their system for almost one hour. I called on the phone to make payment and of course, the payment cost additionally to make it by phone. Also, it would not post until the next day - which would then make it a late payment and cost another $34.00. This is the biggest ripoff I've been subjected to! You bet that I will close this account ASAP and tell everyone I know not to get into the same situation with this company.

Every time I try to log into my account online, I get error messages that tell me they don't recognize my username or password. After speaking to customer service, I change my password and user name and am able to log into my account with them on the phone! The next time I try, even 1 hour later to see if it still works, I am on the phone with them again because I receive the same error message again.

This has to be the worst credit card company ever. Their customer service is rude (when you can understand them). I was charged the annual fee after I closed the account, and they refuse to refund it. They charge you daily on interest. So if you pay off what the statement says, you still aren't paying off the balance. I went to pay my balance off, the day after the statement cutoff, and bam! Interest. Seriously? If you want to rebuild your credit, do it with HSBC or Orchard Bank. They won't scam you.

In December, my payment for my Credit One bank card was taken out of my banking account, but Credit One bank is saying that the payment wasn't paid. I don't know what went wrong. My account has not been right since. My account should be paid up to date. I have sent bank statements to prove that I have not missed a payment, since I have had this credit card. I am being harassed every day through the phone, about my payment that I know was paid, and I want it to stop! I have called and called, and cant seem to get this straightened out. Please look into this immediately. All payments will be stopped until this is resolved.

My husband made a payment on a closed account. I called Credit One Bank to try to get my money back. They were rude and unwilling to help me get my money back. I spent a total of 6 and a half hours on the phone in two days, being transferred and getting nowhere. The phone service is located overseas. I am unable to get the corporate office, and/or the management team to help me with my problem. They treat me rudely on the phone. They even hang up on me.

I have had this credit card for years and had skipped one payment last month only to be harassed by phone every day with them demanding I pay them by debit card immediately. The first time I spoke with them, I explained the number they were calling was my mother's and asked them not to call it anymore and confirmed with them that they did have my cell number for which I could be reached. I told them under no circumstances would I be paying by debit card because I would be making my payment by check on the next due date.

I have had my Credit One Card for almost a year now and "was" satisfied. During Christmas, I ran into some financial problems and sent them a payment for less than the amount due. I knew this would charge me a late fee, which I was OK with and then scheduled a payment for 3 times my normal due for the next payment in my BillPay.

My financial situation had improved dramatically in 2011, so I decided to start trying to rebuild my credit. I got a credit card with Credit One Bank, paid for monthly "credit protection insurance" to cover costs, should I be laid off from my job. A few months after I was approved for a credit card, I was subsequently laid off from my job. They denied my credit protection insurance, and refused to work with me, regarding a payment arrangement. Before I was laid off from my job, I was making all the payments on time. When I say they denied the credit protection insurance, I mean exactly that I signed up for it, was charged for it monthly, and when the time came that I actually needed it, they denied it out of hand.

I applied for the Credit One credit card as I decided it was now time to work on my credit. After being approved and notified my card was on the way, I ran across another bank that had way better reviews, Orchard Bank. Applied for that card and also got approved. At this point I decided I wasn't going to activate the Credit One Bank credit card anymore and was just going to let the account close. Well, low and behold, I checked the mail last night and received my first bill from Credit One Bank stating I owed $75 for the annual fee due 2/1/2012 on a card I never activated. Needless to say, I was pissed. Can banks do this by law?

This company stinks. Their customer service is terrible. I have paid every bill on time and they still deny charges even when their website shows credit available. They need to be investigated: their practices are deceiving and they take advantage of consumers. I am looking into a class action motion.

In June, BBVA, another credit card company, tried to transfer the balance of the Credit One card to their account and were told you didn't do transfers. I inquired as well, and you told me the same story. On June 16, 2011, I made a normal payment of $63.95, and by June 29, you received a check for $523.13 to close the account.

In early November 2011, I received an offer for a credit card and I knew that Black Friday would be here soon so I applied in order to capture the tremendous deals for the holidays. I went online on November 7 and applied for the card, I was approved for $1000.00. After about a week or so, I logged on to the site to check the status. It only stated that the application was in process. I then waited about a week or so, then called in and spoke with someone from India or someone from another country. I was informed that they needed more information. I also receive a notice in the mail asking for a utility bill or wage statement and a state ID. I mailed photo copies in.

Credit One Bank, a real joke, the actual bank does not exist, only a small office in Las Vegas. The call centers are in India and in the Philippines. No US call center. They are considered a predatory lender. This is not the company to deal with. File complaints with the BBB in southern Nevada and at the Federal Trade Commission.

Just checked my statement and saw that they are charging a $1.00 monthly finance charge if you don't use your card. This is in addition to the $ 8.75/monthly fee. This is so wrong. You're penalized for not using your card.

Where do I even start? Well, first off if you are considering Credit One Bank, don't! If I had researched this website and read all these reviews I would not be in this situation! Credit One Bank is a phony and a completely fraudulent company! They lie, cheat, and steal people out of their money! I received a pre-approved. Since I filed bankruptcy 3 years ago, I thought that it would be a good way to rebuild my credit. So I applied. I was approved for a $400 credit limit. After waiting 4 weeks for my card, the next day I got a bill for $87 for fees. I had already used my card which made me liable for those charges!

I don't even know where to start. This company is unethical, fraudulent, and just wrong. I got a pre-approved letter in the mail. Since I filed bankruptcy 3 years ago, I thought it would be a great way to build my credit! If I would have read this website before, I would not have done it. So if you are thinking of getting a credit card, don't do it! I applied and was approved for $400. 4 weeks later I received my card and proceeded to activate it. I then got a bill for $88 for fees. I didn’t know until I made some charges on the account, which made me liable for the fee charge! You call the customer service line in Las Vegas and get some idiot in India that has no idea what is going on because they don't speak English!

The Credit One logo is similar to the Capital One logo. I applied for a credit card thinking it was Capital One (my error). I received an e-mail saying the card is on it's way at which time I realized it was Credit One. The card arrived and it says you have to call the number within 14 days to activate or the account will close. Then I received notification from ScoreSense that they were reporting to the credit report companies. Next I received a bill for $81. Remember, I applied but never opened an account with them. Yesterday I received an e-mail reminder telling me to call and activate, which I am not going to do. I have reported them to the BBB of Southern Nevada. The BBB closed the complaint within 24 hours (I suspect that is because Credit One is a member).

I am being billed for a credit card I never received. I am refusing to pay a penny.

They give me harassing phone calls demanding a full payment of the credit balance. I spoke to a supervisor then to a manager. I stated that I will not use my card anymore and I will pay it off. I am done with Credit One. This company should be reported to the BBB.

No matter what I pay, Credit One keeps slamming me with extra charges. This is criminal. I haven't even had a card in over 6 months since I cut it up, but I'm still getting screwed. I just made some payments and now I owe more than before I made the payments and I have less credit. I can't even speak to a person, but I can send a letter. These people have been ripping me off and everyone else for too long. What can I do? I’m making payments on time and it doesn't matter.

Recently, I applied for an apartment and learned that I had a debt with your company for a credit card I never applied for. I am proceeding to clear this debt to clear my name. I do know the person responsible for these actions that resulted in my denial. Her name is Rochelle ** whom in the past submitted my income taxes. There has also been another claim against this person claiming to be a Mrs. Bobby **. I would highly appreciate a return response and not left on deaf ears. As a credit card dispenser, you know how important my complaint is. Please consider what I am asking of you so that this person can be dealt with through the proper authorities.

I have unauthorized charges on my account in which the cc company is not fixing. They asked for a written letter with my dispute which I wrote and mailed out twice that they claim to have not gotten. I then called and asked for a fax number to which I can fax the request to and the fax number they gave me did not work.

They are the worst credit card company ever--total rip off. They take your fees, then cancel your card. I could not make payments online and their customer service sucks.

I just received the card a couple of weeks ago and wanted to pay the $75 fee right away, so I went to their website and made a payment online using my bank account info. A week later, I got a letter in the mail from them telling me that my payment couldn't go through and threatened me that if that happened again, they would cancel my account. So I went back online and paid again, this time using my bank account debit card. A week later, that came back bad too. I called them and they told me that when they tried to take the money out of my account, it told them that my bank account did not exist. They said they would need a bank validation letter from my bank in order to validate my account.

I applied for Credit One bank card in which I read to understand all application disclosures. However, I was not aware if you made your payment on due date eastern, pacific times it would confuse your due date causing it to be late, generating a late fee charge. Again, this was never mentioned when applying. You actually find this out when you go to make a payment online. Suck another gimmick to beat the consumer! I can't wait to pay this account out in full. I am just fed up with company scamming people. As far as everyone's complaint, you are absolutely right especially customer service. They are beyond rude.

I received an offer in the mail from this company and was about to apply, until I read that the fee was $75.00 for the first year! After the first year, it is $99.00 (billed to your card at 8.25 a month). **? Aren't your fees supposed to go down? And another thing, at first glance, their logo looks suspiciously like Capital One. I mean really look at it! I had no intention of applying for a card, but I wanted to check them out, and guess what? When you go to their website, it's not even secure! These people need to be investigated, and shut down.

Credit One Bank has pulled another one of their trick scams from their pockets. I entered the banking information in their website by having my wife read me the account info (Route/Acct. #'s). Then we verified the information after we entered it twice for verification. Well, my payment submitted and one week later it was returned. I was getting called Sunday morning at 7:30am by automated notification of the returned payment. I called their foreign customer service and they immediately asked to verify my bank account number for the returned payment. I began reading the number to them when suddenly the representative cut me off and said my that I entered my account number incorrectly and that was the reason for the returned payment. I told them that was incorrect because my wife and I both verified the number and we entered it twice for verification.

I applied for a credit card, and when I received the first month's bill, there was an annual fee of $75, and a design fee from Las Vegas NV for $6.95. There was no mention of the annual fee when I filled out the application, as I have six other credit cards, and would never have accepted a card with an annual fee. I am paying the balance in full with interest, but I am not going to pay the annual fee, or the design fee. I made numerous calls to them, and was placed on hold for thirty minutes. As soon as I hung up my cellphone, and my home phone rang, with Credit One requesting that I call them back at once.

I think the employees are rude. I have ask them nicely to quit calling me every 5 minutes. The other day, I have over 65 missed calls from Credit One. They do this everyday and they call me all hours of the night. I have told them 8 times I do not have a job. The foreign guy that was on the phone said I had to pay it or else, so I hung up. Well, he proceeded to call my phone 25 more times after that.

I had received a statement at the onset of receiving my card for $94.00. I had to pay the $94.00 for the annual fee. I immediately paid this timely. My next statement reflected $1.39 for interest accrued on my purchases. I had no purchases - I was charged $94 for the card - that is clearly not a purchase. They refused to write it off. I asked them to close my account and note that it was because their charges were not acceptable. They wanted to argue with me that it will hurt my credit for closing and I still had to pay the $1.39. I told them I had no problem with paying and they were not to worry about my account!

Overall experience 0! On 11-19-11, a rep of Credit One bank, George, between 4-4:30pm spoke with me on phone with such out of order tone, critically abused me on the phone. Listen, train your employees with "customer service" and because of George's unprofessionalism. After this bill will be paid, I will no longer deal with credit card bank.

I have a car loan through them and they have the worse customer service ever. They harass you if you are one day late on your payment. They call you like 100 times a day at work, home, cell phone. I tried explaining to them my situation and they said, "That's not my problem, we need your payment now or we will repossess your car." They never sent me a letter stating why my payment went up to $25 a month. So I called them and they didn't have an answer. I hate this company.

I get a phone call every 30 minutes or so. This is called harassment. I am paying my bill and this harassment needs to stop .

My bill for credit one is due on the 27th of every month. I pay my bill on the 15th of every month. On the 20th or 21st of every month, I begin receiving harassing phone calls from credit one representatives located in India. I have asked to speak to a person located in the United States, and in return, I am put through to the automatic system.

Calls every 30 minutes, everyday, even after making arrangements to pay. I was threatened and harassed by an associate named "Haley".

I have had Credit One credit card for many years. They have been helpful to get my credit established. That said that my credit is now excellent and I have them totally paid off. Every month, I receive a bill for $9.00 and interest charges of $2.00. Why don't I just close the account? It will affect my credit score.

Credit One is a scam. Even after you closed an account, they try to charge you monthly fees. I refused to pay them. I said can you say charge off if it can only lower my credit score by 40 points? The first thing you need to do is change your contact info. It's simple to do and at their site I changed my mailing address and my phone #. So, they can't even try to harass me. I have not made a payment in 7 months and have not seen a bill. Like I said, it did lower my credit score but they had to charge off $ 545. So who cares? I have other credit cards.

I called to set up a payment plan to try to get caught up on my payments. I talked to one guy first. Then, he transferred me to the manager George. He asked why I was getting behind and I told him I didn't have the money. Then, he told me, “Well, didn't you just get paid?” Well, yeah but I had bills to pay. I have to support my children, have a roof over their head, and lights to live with. He had no reason to ask these questions. I was calling to set up something to give them money and I have to go through all this. Then, I told him that I can set up a payment for next week. But he needed money by Friday. I told him that I can borrow it. He asked me who I can borrow it from. And he called my mother on 3 way to make sure I can get the money. I thought he was really rude. So, we got that straight. Then, yesterday evening I got a call again from them and they realized they have already talked to me today. They said, “I don't know why I was calling you back.”

I have had a credit card with Credit One bank for a little over a year now. Today, I went to their website to make a standard payment which is free, and the site wouldn't let me, so I called in to make it over the phone. Well, after going through the options of press 1 for standard or 2 for express, I press 1 for the free payment, and when I was transferred to the payment agent (who I could barely understand and was rude), I was told that I can't make free (standard) payments over the phone. I don't know why they give you the option then.

My account is behind because my husband lost his job. I closed the account before this due to the increase in their yearly charge. I tried to get them to work with me but they would not. They kept telling me to borrow money from a friend, go to my church or sell things. Anyway, they added a $75 fee to my account for maintenance plus $70 in late fees. I am on Social Security. I told them to go ahead and send me to collections as they can't garnish my SS check. I am tired of being pushed around by companies like this. I will never pay them.

I have had a credit card with this company since 6/2008, almost 3 1/2 years now. I have made my payments on time for every single month I've had the card. I am paying a ridiculous APR of nearly 24% and called just now to request a lower rate. Before I finished my sentence, the foreign CS woman who answered the phone said "no" in a barely recognizable accent.

I have had my credit card and have put up with making "express payments" for months now. And with that being enough, I had insult added to injury by a rude, poor-speaking foreigner who refused to help me make a standard payment. This company seems to try to force "expected payments" to the tune of $9.95 monthly! Someone in authority needs to do something about this practice.

This Credit One is the worst experience I've ever had with a business. This shouldn't even be a business. They are ripping off everyone and if you don't catch the tiny little mistake charges, they'll just charge all the tiny little ** fees every month. No wonder they won't let anyone send them an email to complain, which they act like it's for our own safety. I can't wait to pay this off if they ever let me. I don't even have a card anymore, but the balance never goes down. When I pay, they just add some more fees. Crooks. I'm pissed.

I have not had good experiences with Credit One when I was going through chemo treatments. I fell behind in my payment and when trying to explain to a man named Chris, he had the gall to laugh at me. Right then, I didn't care if my payment was made on time or not. I have never dealt with such an unfeeling person. Now my payments are late all the time because I have no job. I have questioned them and told them they are harassing me by calling 20+ times a day. They assured me they weren't calling that many times a day. When I confronted them with their phone number they had to back down some, but the calls still continue. I am about at my wit's end with such an egotistical, lying group of people.

I applied for a credit card online and they have approved me for $300 credit limit. I thought okay, terrific. So I applied again for a separate card for my husband. They replied back online that they were going to need more information from him and he should receive that in the mail. Well, a few days later, we received a letter requesting more information.

I paid an account in full, and received the invoice for $0.02 "credit protection," which I never authorized, and $2.43 'interest' for the charge I paid in full. When I called and spoke with someone, I asked for a supervisor. I was on hold for 17 + minutes before Alex (**), who repeatedly say, "You agreed to the terms" several times. Alex informed me that if I did not pay $2.45, "it will continue to accrue interest and penalties!

The customer service agent left a message on my cell to contact Credit One. I contacted Credit One on the same day, Sept. 18, 2011. His concern was with regards to a payment that did not process. I, Regina **, gave him all the information necessary to proceed with the re-entry of the information required, necessary to re-submit for payment. That went through. Well, you disregarded my ability and rights to make decisions. And you choose not to acknowledge my rights as a cardholder and person who has access and the rights to make electronic decisions via my checking and savings account. This causes me great concerns. Therefore, I am canceling the credit card. As a result of you temporary suspending my online portion of this account without an explanation to me, I choose to close this account. And you can submit to proceed with that request formally. You do not need to contact the other person on the checking account with this request, because they are not on this credit card account. Thank you. You temporary suspended my account (acct # **). I do not at all appreciate your business.

Why is it that every time you make a payment with Credit One Bank, they charge you a fee of $9.95? Why do they take that payment off your credit card and why is it that your apr is 24%? Also, why is it that your interest rate is high and your annual fee is being charged every month? Obviously, they're taking $19.90 from me a month and giving me an apr for 24%. I am being charged $8.00 a month just for the interest which is ridiculous! This company needs to be investigated as soon as possible. They're using their customers instead of helping them.

Every time I have contacted this company, there is always something. I have been charged late fee for every single month I have paid on time, I was late once. They used to charged me $25.00, now they charged me $35.00 late fee because they said that the late fee is based on what I have over the limit on that account. I wouldn't be over the limit in the first place, but with the new charges they had imposed me, late fee plus interest of 24% plus! I had enough. This weird people, they have a response for everything you say. $9.95 dollars to make a payment, if you lose your card it's $25.00, late fee every month? $25, now 35. This is a scam company. Every time I would call them, it's like they are from another country. It's hard to understand them and they are rude. Now, I still have the same debt amount I had with them and more after being paid $75.00 for letting me use this credit card.

I just wrote a complaint yesterday. And then, I realized something else. My annual fee taken out monthly has been raised without my knowledge. It is now a whopping $99 per year. I have the legal right to opt out of any such increase but if I am not notified, I have no options. I spoke to their rep about it. She said that back in April of 2011, I was notified it would be going up in June. I then asked her if I got a notice in April of an increase in June. Why did it not go up until August? She had no response. I have all my invoices from them and could find no such notice. With all the problems I've had, I went so far as to ask her if Credit One was actually a bank.

It seems that no matter when I make my payments, Credit One Bank holds my funds. I pay online with my checking account, and the money is usually taken out the same day from my account. It takes no longer than three days (per my bank). I just made my payment on 9/20/2011, and my funds are not available until 9/28/2011. I believe this is their closing date. Even if I made it last week, the same applies.

These people are terrorists. My payment is not due, and they agreed and said they would stop calling me. What they did was, they tripled the amount they called with no one on the other line. They didn't care what time of day it was and all they said was, "I understand". But for my own benefit, I recorded everything they said. See you in court!

Obviously, this bank targets consumer who has experienced recent credit score plummets, due to unemployment, foreclosure, state of economy, etc. They charge you $9.95, if you want to make a payment by phone, even if it's to avoid a late fee of $25.00 on the due date. And they use EST, so if your payment on the west coast is not made by the EST deadline, then you are also issued a late fee, even if on same day of due date. There are sneaky fees at every turn.

Just want people to be aware that not only do they charge a fee to set up and get the card, but they also charge a daily fee just for using the card. If you (monthly) get a bill and pay it in full on or prior to the due date, you are still charged interest just for using the card. It's (per them what President Obama suggests) a finance charge on the average daily balance. So regardless, if you do not carry over a balance you are still being charged, a finance charge for the average daily balance of the prior month's usage.

I applied for their Credit One card but they turned me down in seconds. How can you build credit if you are turned down for even a $300.00 card?

My credit card payment due date is on every 13th of the month. I always pay my bill online on time.