Credit One Bank Reviews

Tried for an hour to cancel this scam and lost my temper and hung up. They juggled me from one rep to the other, all in an effort to discourage me from canceling this scam card. They ruined my credit score with their late fees. Please do not get taken by these bottom feeders, you have been warned!

They were a good company to restart your credit with. Let's face it; credit card companies who take such risks tend to be predatory for the privilege. We know that going in. But once your credit is established or re-established, it is a cumbersome card to own. One, the cost. You have to pay for the privilege of a credit line increase, even though it is ultimately to their benefit that you have it available to use. Secondly, if you pay your bills off every month and don't necessarily use the card frequently, you still incur a monthly fee, which cannot be paid annually. Translation? If you forget to log in because you know you haven't used the card and therefore have no payment to make, you not only get the monthly fee but a steep missed payment fee and/or a late fee. They won't call you on it for about three or four months and by then, you have yourself quite the bill. Normal cards don't operate this way.

I opened an account with Credit One thinking it would be a good thing. I used the card for a $90.00 dollar purchase and when I got my bill I sent them a $50.00 payment and they sent it back with no reason so that right there made my payment late. So I resent it the second time in which they kept and raised my bill by $45.00, so I sent them another payment and they didn't accept it claiming that they had the wrong information. But after talking to the person on the phone come to find out they did have the right info. So this time I paid them off and still don't trust them, so I will be checking with my bank to make sure they only get what they have coming cause they are THIEVES. So to all of you out there do not use Credit One ever. They purposely make you late so they can collect their late payment fee of $25.00 and run your debt to them up.

I left a review below about my experience with Credit One. They eventually sent me a new card and wiped out my fraud charges. Cool. I was started to forgive them for the worst customer service ever. A week later from receiving my new card (which I've swiped a few times but nothing major), my online account was suspended. Unsure why, I gave it a day to resolve itself. The next day I check, there's a new Visa number with completely different numbers I have never seen before and a balance completely off from what it was when I received my replacement card. There was ZERO information about this on the account site except for $**account transfer. No pending transactions or anything.

Try to play it off like they are Capital One. Crazy!! The part is I have good credit!! Checked everyone on the paperwork. No annual fee listed. Activated card after I used one time. Received a bill for 75.00 for annual fee. Very hard to get a hold of anyone and when you do, they are rude and can't barely speak English. Sent a small payment of 25.00 -- posted within 6 days. Mailed in a 535.00 payment and so far it has been 15 days, and it still has not posted. I confronted them about holding payments and they made a remark that they have to make sure the payment is valid before posting it!!! I just made a online payment of 400.00 and trust me there will be a small balance left to pay but I am done. I just received my Capital One Card and I will be happy to be rid of these people!!! STAY AWAY. They are horrible!!!

PLEASE... I AM WARNING YOU, DON'T ACCEPT A CARD FROM THESE PEOPLE. I accepted a card because I HAD NO CREDIT! The information that came with the card stated that if I made my first five payments on time I would receive a credit line increase. I have never missed a payment, always paying more than the minimum due.

I hate this stupid bank. The only reason I bought it was to transfer some money to my Bank of America card so I can close that account and pay off the Credit One. Instead after just using it once with a balance of $17.20, they said I had to pay annual as well which was about $100 or $90. After constant calls the technical guy gave me a deduction of $50 which you'd think would be great and everything but was so rude and was practically screaming at me because I had bad reception. I guess he thought I was doing it on purpose.

This is the WORST company I have ever dealt with. They even try to charge you for the color of the credit card and continue to call and harass me over a late charge that was NOT late!!! I paid the card off in FULL and when I spoke to a Representative, who can't speak proper English, assured me that all "other" charges like the color card would be waived... Who does this??? This kind of company should be banned from the United States!!! What is happening to our country???

This card disguises itself and attempts to confuse you with Capital One with their logo looking very similar. Unfortunately, I should have been more careful. Once I got charged a fee, I realized it was not Capital One. SO I thought well, I can use it for emergencies, anyways, I always pay before month to avoid fees. Wrong, they charge you interest first day. There is no way to easily cancel the card. For the new year, they do not tell you but they charge annual fee, now in installments in order to get interest every month. Now, they are offering credit line increase, but with a fee. In the meantime, trying to cancel account and keeping account current. I can't pay it because they are holding my access hostage unless I accept the offer to increase my credit. There is a "No Thanks" button, but it does not work. Very shady company taking advantage of those struggling.

Both my spouse & I had accounts with Credit One. We made payments online with a debit card from our Credit Union. Unbeknownst to us, the payments did not go through. Instead of contacting us, Credit One closed our accounts and we could not access our information online. We contacted them as soon as we found out. One person said the account was merely suspended. Another said it was closed permanently. They said that the CU account was "not found" and that we needed a "letter of verification" from our CU. Even though we have since made payments from different sources, they still refuse to reopen the accounts until they receive the letter from our CU!

TL;DR: Crazy restrictions on using the card (that I've never seen on another card), customer service ** with your account (when you can get one you understand). My card was regularly declined when traveling domestically or purchasing online. I called, chose English as my language, verified my identity, and got connected. The first customer service rep had an almost impenetrable Indian accent. I explained the situation, said that I suspected the fraud prevention criteria were too sensitive, and asked them to change it. He persisted in trying to get me to change my username / password credentials even though that wouldn't have any impact on the card performance. Finally I had to ask him to transfer me to a different rep because I was having trouble understanding him. I'm sure it was just as frustrating for him. He put me on hold for 10 minutes and I finally disconnected to call back.

I have opened that account in an attempt of fixing my credit rating since I have poor credit. I thought it was one of the best and did not much mind all the fees I was being charged since I really wanted to upgrade my credit rating. My payment was initially due on the 7th of the month, and they even tell you that you have option to make changes and choose a new due date, which I did, not knowing that if you make that change, it goes into effect after 2 billing cycle. So anyways I chose the 20th as my new due date and the 18th of the month made that payment. I got charge for late fees and was blocked out of my account online. I really did not know what was going on and processed to make another payment on the 4th of March which did not go through.

Good morning. I need some help with this company. My name is Maria **. I pay my card in full, every month they want me to paid at fee. I'm calling then to cancel my account and they refused. I lost my card I don't want any more from this company. Please help me. I need my credit to be good. Thank you, Maria **.

Please do not apply for this card!!! I have my card paid off!!! Now they want to charge me $8.25 a month!!! FOR WHAT??? I WILL CANCEL CARD TODAY!!! PLEASE BEWARE.

Just made this account to write this review. Would give them 0 stars if that was possible. I paid my balance off last month and haven't been using the card. They're like there was an interest added on it plus late fee. I'm like late fee and interest on what? 0 dollars? She's like "it doesn't show the accurate amount online. Cause whatever you paid didn't show the remaining 10 bucks and now there's a 10 bucks fee and interest on it..." So my balance is 20 bucks, she hands it to the next rep, she says "It's 21 bucks." I'm like "Ok where are you getting these numbers from?" And then she's like "9 dollars processing fee." So 30 bucks total.

I tried to make my first payment today and was told in order to avoid the 9.95 fee I could pay online. Did not work (after numerous calls they tell me it won't work with a mobile phone). They suggested I call CS and keep pressing zeros until, what, I don't know but two different reps told me to do that. I was hung up on and just like everyone else I could BARELY understand them. Finally made payment after a request for a supervisor (was told there was not one available) was denied. Now after reading all of these reviews I am concerned - very concerned. I thought this company was part of Capital One who operates VERY DIFFERENTLY. I wish I would have read these reviews first! Has anyone heard of a class action lawsuit?

I would like to add my input to the reviews about Credit One Bank. As an introduction, I have been an account holder with them for nearly three years now. After reading a LOT of reviews here, I would like to say that my experience with them has generally been positive, with some cons, as is the case with most any company. I received a mailed solicitation to apply for the card. I'm not certain how anyone could mistake them for Capital One, if they are actually paying attention to anything in the letter. The name or logo is clearly displayed in about three different places, if memory serves. There is an accompanying paper that itemizes the fees associated with applying for their card. I had no surprises there.

I filled out an application for a credit card with this company but when I saw I would have to pay $75 a year, I decided not to continue the application. A few weeks later, I was sent a credit card and it had a charge of $75 already on it. I called and spoke to customer service and told them I did not want the card... but they convinced me to take it if they would reduce the annual amount to $25 and extend my first payment to April 15. I got a call from them a few weeks later stating that my account was in arrears that I would have to pay $25 as late fee but it is still March. I called and got that waived but now I have received another call that stated that I am overdue. Do not trust this company. They engage in criminal activity.

I'm writing this review because I see so many others writing about how horrible Credit One Bank is. I'd like to say that I had the worst credit possible all from when I was 18. I am now 29. Credit One gave me a card when no one else would. I've been trying for the last couple years so I could build my credit back up. They have been nothing but helpful. It's your responsibility to make sure you pay your bills on time. They send you statements to help you but in the end, it's your job to keep track. I've never had a problem with Credit One. They're great as far as I'm concerned. If you can't keep up with your bills don't have a credit card and stop complaining about how banks are out to get everyone. It's a company that's how they make their money! Give me a break.

I opened this account with Credit One for a credit card not long ago. You won't believe this. I am trying to pay off the balance as soon as possible. I recently owed 48 bucks as a minimum due, so I paid 88. Not long after, I paid another 80 bucks. Just yesterday, the 15th of March, 2016, I tried to pay another 100 dollars. This is, btw, all being done online. They would not accept my payment. It said they needed ID verification because I was making a 3rd payment within 30 days. What? Now check this out. It said to verify my ID, they were going to make 2 small deposits into my checking account.

I received the card in November 2015 and the statement for the "one time fee" with a finance charge attached to it the following month. I called, asked to close the account, they refused until I paid the "one time fee", did this and asked to close since I cut up card. Customer service rep convinced me that since I paid the "one time fee" just to keep open and if not used then no balance. 2 week later a new card comes in the mail that I didn't ask for so I cut it up just as I did the first one. Received a call from their collections department indicating I had a balance of $50.38 and needed to pay today. I asked why a balance since I have no card to use. There was a replacement card fee charged to me and then a late fee and interest. NEVER did I ask for the replacement card and in fact destroyed it when it came in the mail. It took me 3 phone calls (2 hang ups) and a supervisor to explain the charges and to actually shut the account down. This bank is a joke!

This company violates numerous Fair Debt Collection Practices. Bogus charges, refusing to close accounts, calls before 8 AM and after 9 PM, more than 2 calls per day, talks to others about the account who answer the phone. My account has been paid in full (even though most of what I paid was bogus) and they refuse to close it. They won't even speak to me by phone. They tell you to mail them a letter. This way they can continue adding bogus charges. My attorney is now handling this for me. Anyone else who would like to join in on this please feel free to contact me at **. What this "bank" is doing is illegal and needs to be stopped.

Credit One Bank is the excellent route to go when attempting to build credit - or when no other bank will accept you due to poor or low credit scores. This company has actually helped me in so many ways that words merely can't explain. When I had first started using credit one, I had only $300 credit limit and I had to pay for not only an annual fee, with an high interest rate, but for every credit line increase I had gotten. But one good thing about this card is that the creditors treat you according to how you "respect" the card. Pay up consistently, on time and you are guaranteed a credit line increase twice a year - not once a year - as the other card companies do you - but twice and the increases go up as you continue to pay faithfully.

I have always tried to pay my bills on time and I did keep this card a secret from my husband but my husband let me know today that they have been sending him information by email to him regarding my account. I am furious, I spoke with someone in their customer service and asked them how they got his email when I never gave them any information about him on my account and they could not give me a answer. It seems that I missed the payment on the 11th and that it was past due. I made a mistake and assumed that it was on auto pay which they said they don't have a paid the bill along with the late fee but was so upset that no one there could answer how they got my husband's info without my permission. What can I do about this?

The senior representative I spoke to on 03-13-16, ID# **, was EXTREMELY RUDE! I have been a customer for over 9 years and have never been talk to in such a manner. He would talk over me and after trying to explain the reason my payments have been late, he wanted to demand that I make a payment today. His whole demeanor was rude. I will be submitting a letter to the corporate office.

I had this card for 1 year and I can't wait to get rid of it. I was blocked out of my account for nearly a month for trying to purchase train tickets in Europe (from an actual train company so they were completely legit). This is AFTER I notified them that I would be making purchases in Europe. I called them to find out what was happening. They not only put my card on hold, they literally blocked my access to it. You cannot email or chat with them. You have to call and speak to someone in India who is prompted to tell you the same thing each time you call. I honestly don't think they fully understood me because they never took action to rectify the situation. They simply said my account was being reviewed by a third party and that I was not allowed to contact the third party.

I was sent a credit card of a 500 limit. When I went online to pay my card off through my bank they told me that my routing and account number didn't exist. They as in CREDIT ONE suspended my account. They didn't tell me about the problem until the fees started adding up. I was very upset that they were always hanging up on me. Made me very concerned and suspicious about their business techniques. No one there spoke good English, and I always asked for supervisors. They responded there were no supervisors available. These people need to be investigated immediately!!! There is fraud going on with Credit One and purposely.

My credit card info had been stolen before last Christmas and my credit card was over my credit limit. I called Credit One and PayPal where someone went Christmas shopping. Anyway PayPal didn't hesitate to give me my money back and Credit One didn't either. But Credit One's computer charged my account twice for the stolen money and now they are wanting me to pay for money that was stolen from me and gave back. Ok it doesn't make sense to me but they put it on there and now I'm over my credit limit again because of them, and they are trying to rob me to pay for their mistake. I don't care where they are from. Right is right.

I had this credit card for many years. I used it to help build up my credit. When I decided to close the account, I called in and paid the full due balance immediately over the phone. I started getting calls asking for additional fees and was told they would fix the error when I informed them that there was no balance. They have now reported me late on the Credit Bureau for $74 after charging me $35 for each of the last months for late fees. They said they would call back from the corporate office in Vegas within 48 hrs and rectify the problem. That was over a week ago. Do not apply for this card. Go to Merrick Bank, First Premier or Capital One. Their fees are about the same but the customer service is great and they will accurately report your performance.

I had an account with Credit One Bank. My payment was 1 day late due to the mail and I got a call from someone at Credit One asking for all of my account information and wanting my credit card info. He was extremely rude and pushy. I said due to all of the fraud going on I didn't want to give him my info and that I would rather just immediately call the company back and talk to someone. I was being very nice just hesitant. He got very upset and demanding and cancelled my account and put a block on my online access. This is terrible. I now have a balance that I need to pay off with no access online to pay. Which is fine, as I will mail my payments by check. But these people that work for this company are very rude and demanding with no flexibility. Do not get a credit card with these people. :(

I opened an account with Credit One Bank and I paid off the $82.00 and never stressed out about the card never arriving. I finally got the card and registered it and got $150 credit increase. I know I won't use it. My credit is in the low 500's. I'm trying to build it up little by little. It did go up 100 points in 4 mos. I think Credit One rules. Customer service will treat you nice as long as YOU are nice.

Yesterday, called Credit One on my Visa's due date to pay card balance off in full. Of course it's overseas, and it was a woman who kept asking me to repeat the card number and my debit card number over the phone. It costs $9.95 for a phone payment but figure it was worth it if it has a 0 balance. She assured me it had gone through. Called this morning, and went through my account info, and still had a 2,500 balance, and now a $35.00 late fee. Seems strange to me. The customer service person yesterday didn't understand English enough to get my information correct, and yet every phone payment in the past goes through without problems, and I can use the following day. They wouldn't waive my late fee, so it was my balance, the 9.95 phone charge, plus 35.00 late fee. Read all the other reviews, and will watch for suspicious fees and charges. If it happens I will dispute them, and report to the FTC and other agencies.

This is the absolute worst credit card company I have every dealt with. They automatically charge you a $90 fee when you open the card. I used the card once and they froze my card without notifying me. This happened more than once. Every time I called to fix it, no one spoke English. I lost my job and notified them I was going to be late on my payment and I received no less than 15 phone calls a day from numbers all over the country hounding me for my payment. It was so bad and harassing I had to end up blocking numbers. They charge you $10 to pay your bill with another card on top of your interest. I have no nice words to describe the trouble this company put my family through and I would never recommend them to anyone. BAD!

Online account always suspended for NO REASON, forcing customers to call in to make payment and pay $10 fee for payment over the phone. I've had this account since Nov '15 and have only successfully logged in online once. Such a scam. Customer service is rude, they don't speak English. I regret getting a card with Credit One. Worse card I've ever had, EVER.

I've been trying for the longest to cancel my card, each month there's a phantom late charge that needs to be rectified. I've asked to make a payment and close my account and was repeatedly told that the system was not updated? What the heck is going on and how do I stop the madness? I'm terrified from this as I'm in the rebuilding stages of my credit. Please help!

Got a credit alert regarding new account being opened. I have fraud protection and there should not have been any accounts allowed to be open without verifying my information. To my surprise, the agent confirmed that I indeed opened an account online the day prior and was approved. I asked that account be cancelled and when I tried to get information on the details of account being opened, i.e. address etc, the agent would not assist and would not get someone to assist. This is very poor. Account should not have been allowed to be approved without my consent in the first place. Bad business.

Well as many, I am trying to rebuild my credit. Somehow I caught all the "good reviews" on this card stating people have build their credit back up with it (All bad credit due to missed payment. I have never owned a credit card before so this was my first). I could not get approved for any other credit lines such as Capital One so I went to Credit One as a last resort. I received the "Pre-Approved for $1500 credit line" and received my credit card with a $300 limit and $75 activation fee. At first I was like what the hell is this? But I figured it was my first credit card I would flow with it and learn the full process. It's been about 3 weeks using it and has been going fine. I keep my balance at $0 always paying it off.

For some reason my online account keeps getting suspended. When all they tell me I have to send in the mail or fax to them my driver's license and my Social Security Card. They are charging unclaimed and unexplained monthly fees that are not associated with the card. Try to pay it off and close out the account and they won't close the account again until I send them a copy of my driver's license and my Social Security card. Like I am going to do that with Identity Fraud.

Got my Credit One card which I thought was Capital One. Got my card and disclosure which didn't match the disclosure I received with the card. After reading their disclosure I did not activate my card. I called today Sat 3/4/16 to close account, 400 credit line, 100 year renewal fee. Tried to get me to agree to 50 year annual fee. They told me it will help credit... I told them I have a few cards no annual fee, nice limit. I don't need this. I wrote this because they told me account was closed. We will see... Also told them "I FEEL INSULTED."

They have reported a credit card account on all 3 of my credit bureau reports, which happens to be a negative account, that does not belong to me, never has belonged to me, nor have I ever had an account with this bank. I have disputed this 5 times now with the bureaus and have contacted Credit One Bank numerous times and they insist that I do have an account. I have requested proof from them to show this and they have yet to provide this to me. As of March 2016, it continues to report & I am contacting an attorney to follow up on this for me and will sue them for whatever I can.

I was surprised reading all the bad reviews on the CREDIT ONE credit card. I have had this card for a couple of years with no issue. I pay on time with bill pay with through my bank. They receive payment the next day. I check my statements when I receive them in the mail plus I do regular online checks of my acct. I have been over my limit & never received a call. I would add the overage in with payment. I have never had a need to speak with customer service. This is a credit building card so interest is high & there is a fee for credit line increases. I get increases just when I need them, school time & Christmas. This card has been good for me. I am working on paying off balance but intend to keep acct open.

I concur with everything that everyone has posted here. I actually sent a letter to the CEO letting him know how terrible (and fraudulent) their activities are and to immediately cancel my account.

First off I received the offer, Sat at a table with my boyfriend now husband, with a lighted magnifying glass and we read online at a time to make sure it really was no annual fee. The offer was pre-approved, etc. I do not actually pay my bills, he does. He is my payee because I am disabled. I have been in and out of the hospital so much he does it. He has paid 10$ fee to make sure payee t is on time then they charge a late fee. Plus they charged us 19$ for an authorized user card then waived it because he was my husband. They waived it then charged an authorized user card fee again the next year. They offered us a credit increase then hit us up for 14$ and change charge. If we asked them for the increase I would get that. But they offered us an increase because we pay good etc. naturally good customer get increases over time on all my cards and I do not pay a fee.

They hit my debit card for this months payment, an action I DID NOT AUTHORIZE... and for no reason. I was not nor have I ever been late with a payment. Bad Business Practices and you can never reach them to make a payment. Then they want to charge you a 10.00 fee for immediate payment even though you don't need it. For this reason I had already mailed my payment early... only to see that they had hit my bank account using my debit card... which I did NOT authorize!! Really BAD Business. :(

I got this Credit One card to rebuild my credit score for I was without a visa card for many years. I got the card and one day I could not use it? I could not log in to my account, password was changed. You cannot email this bank? You have to call and wait to on hold a long time till a person in India answers the phone. Now I like Indian people, but sometimes hard to understand their accent in English. I get a statement with $259.00 of fraud charges in Florida, Ohio. I live in California.

I missed one payment card payment in 2010. When I got my card it was canceled. I called customer service. The representative was rude, said that I could not have card uncancelled but still had to pay balance. I gave payments, paid it off, never applied again. On my credit report it shows paid off. I applied to see if I would get approved. But they say I still owe a balance but it is paid off.

They are horrible! I lost my job and was having issues paying them back and they sued me and sent me a court letter. I am pregnant and cannot be going to court to fight with them. When I asked them to work something out they will not accept lower than $100 for the month. I am a pregnant mother of twins already who lost her job and trying to save up whatever I do have and they did not care about me at all. They need money so bad they can care less about you.

I am at work, and receive a call from a local deputy stating I am being sued in small claims court for a $1300 balance on a Credit One card. I have never in my life owned one of these cards, had an account with these people, applied for a card, or even HEARD of them... NOTHING!!! So, how am I being sued for a card I have never applied for?? What a bunch of foreign crooks!!!

This co. will not credit me back $177 paid to Bright House that was not authorized by me. I do not have services with them since Aug 2015 and the charge was from Oct 2015. I complained once I saw the charge (1 mo later) and was always told a mgr would call me back but eventually I some to someone in Jan who told me to send in the written dispute. Then only 2 wks later to be told they will not credit me back due to the dispute time frame has passed. That's BS. I complained and someone was supposed to call me back. This is bad business and I don't think I should have to pay for fraudulent activity.

answer. Keep on telling me that I need to write a letter to my attorney to get answer (WHICH I DON'T HAVE). I need a customer service rep that can speak English so that I can understand them.

We got the cc last week and then got a bill for 75.00 the next week, but the fee when we got the card was only 45.00. How did that happened, we called to close the account and they tried everything in the book to keep us from doing it. We talked to our bank and they told us if we do not activate the card we do not owe them anything. This company is way off base and we all need to file a complaint.

I canceled my card and paid it off in July 2015. I found out there was still a balance of $68 of interest in January 2016. I had received no notice or anything. I called to pay that amount off and it had went up $477.87 in annual fees and interest. I explained I did not know there was a balance because I had no access to my online account and did not receive a bill because I had canceled the card. We agreed for me to pay $105 including the interest until it was closed and annual fee. They stated once the money cleared it was cancel out that was two weeks. I called and check the account there still a balance. I have called backed several times and I have been hung up on and screamed out and then told it will be cleared in 30 days. Truly unhappy about the situation and have no way to fix it.

Charged interest AFTER paying off the balance. I paid the balance owed on 2/20, but when I checked my account there was a balance $4.88. Credit One told me that even though I did pay off my balance, they were still charging me interest. It took a lot of arguing but they finally took it off.

Upon close review of my Credit One account, which does not have a balance, I noted that the annual fees are being charged monthly and an interest rate is applied each month to the annual fee, which is a scam.

I got a credit card from this company and have never been late. I work nights and they started calling at 730 am and called 11 times in 2 hours. Was trying to understand the thick accented person asking for my debit card. She said I was late for a balance of 2.00. I told her I would send a money order, but she kept asking for the debit card. I got very angry and told her to be looking for the money order. TERRIBLE service. Beware of these people.

They charge 10 dollars for you to make a payment on top of the interest rate, they are getting over on people. Customer service is clueless and can't help. This company just don't care at all!!!

This company is a huge rip off and absolutely terrible!! You have to pay a fee to make a payment! Online account is somehow "locked" just about every month making an online payment impossible, hence having to do one for $9.95 on the phone, in which you cannot understand a word the reps are trying to say. Customer service is not available... as it seems no one knows anything and cannot answer a single question. DO NOT open an account with this company as you will deeply regret it as I have.

I've had this card for about 5 months now and just last week there were fraudulent charges on my card. I called the company right away to inform them, they told me they will cancel my card and send a new one as well as open an investigation into my account which he stated would take no longer than 90 days. I said "ok" and we hung up. A few days after the initial call I decided to call again to ask about how the investigation process works, as this is my first time being a victim of fraud. I needed peace of mind and just to know that they would be doing everything they can to make it right. I asked the lady what my balance was before all the fraudulent charges and she asked me if I had received my new card, when I told her "no", she just told me that I needed to wait until I get my card and activate it before she could tell me anything! That made no sense at all.

We have 3 credit cards with this company and they flagged one and won't give any verbal information to us. State that we requested this! When asked how we stated this they won't tell us! Say that all information regarding this account needs to be done by written letters. I asked "if you can't do anything without us writing to you then how did the account get flagged?" States that we requested it! I asked "do you have something in writing from me and if so I would like that sent to me so I can see it!" They are unable to do that without written request! So they flagged a card with a 0 balance then charged an annual fee then an interest charge!

I wouldn't recommend this card to anyone. The customer service people can't speak English and are very rude. As soon as my card is paid up I am cancelling my service with them.

This company needs to be ban from this surface of the earth, this credit card company are all rip off. First of all the name look like Capital One so people overlook it for that. Second of all, high interest - they charge you almost 100 dollars for activation fees. Customer service is poor. I tried canceling my card and they tried offering me 50 dollars to stay. LOL. A real credit company will not offer FREE money to try to make you stay with them. CREDIT ONE needs to be closed and ban from all company. This company is a rip off. I will advise anybody NOT TO SIGN WITH THIS COMPANY.

I just got my income tax check. Made a payment via my online account, Credit One rejected it. I called their customer service department and was told insufficient funds... liars! They then tacked on late fees out the **! They are dirty **! Do not apply for this card... they are thieves!!

I had this card before and I mailed off a payment of $150. They wait 3 weeks before they tell me they didn't receive so I said I don't got money like that to just be given it, and the money order people said it was cashed. So they waiting until it got to $928.00 to want to take me to court and that just to my state check, and all I use was 275. How the hell they get over on people. I will never send y'all no customers, y'all weak and y'all took money from my son. No good will come to this company. I hope boy you just don't know what I hope happens to your company. BIH.

In Jan. 2016 I received a pre approved application for a credit card. I filled it out and sent it back. Approximately two weeks later I received a statement requesting payment, but I did not have a credit card. I called the customer service and spoke with a male of Indian (India) descent, I told him of the problem not having a card but receiving billing statements. He told me to wait to receive the card then make payment. In a week I received a request to activate my card immediately! I call customer service told them I did not receive a card to activate as of this time. In addition the due date on the statement had lapsed, I was told they would send me a new card and not to worry that a new statement would be sent.

They charge so much for a credit card, $400 limit to be exact! They charged us $75 annual fee, $7 interest, $25 late fee (never got an email about the due date) and $10 to make a payment all in one month! This is the worst place to get a credit card! We already paid in full and will be cancelling this card!

After having this account for several years, I had one returned payment (twice because they resubmitted the payment). As a result my account was suspended, meaning I could not log on to even view statements and charges, update my mailing address, really basic stuff. During this process, I was also relocating from GA to CA, so I did not clear it up right away. Anyway, this also happened to be the same month in which my card expired and was to be renewed.

On the website, tried to click on link for my FREE credit score. It kept taking me back to the first page of Credit One's website and kept asking me to log in again and again and again. I was getting dizzy from the circle I was going in! Called in to customer service, carefully explaining the problem with their website and the jerk with a very thick Asian accent kept telling me that their website was "running fine." I kept asking him why, when I clicked on the FREE credit score link, it would keep taking me back to Credit One's page to log in, over and over again. He then hung up on me.

I applied for this card about a year and a half ago, thinking it would help me improve my credit score... It did the exact opposite. It seems like no matter how much I pay I am still in the hole. I recently completely paid off my card, hoping I could cancel my card after that and to my surprise they charged me a $6.00 interest fee on purchases (I haven't used this card in over a month) and they charged $8.25 for the "monthly annual fee". I didn't know there was even such a thing as a "monthly annual fee". So the balance is completely paid off and now I still owe $14.25??

My account went into collection in early November. I made a payment arrangement with the credit card company to pay off my bill in exchange for them sending a letter to the 3 credit bureaus asking for my file to be deleted. I paid off. They never submitted the request. I called back in mid-December and a supervisor said they wouldn't delete the file and she didn't believe I was promised that. She indicated that they would pull the audio of the conversation and get back to me. They never did.

Much like all the other reviews, mine is pretty much the same. I have gotten into the credit card trap a time or two but have kept very low balances since. If you are even but a day or two late with your payment with this card, get ready for numerous calls from people you cannot understand. This card comes with an annual fee (paid monthly so you will always have a bill). I cancelled and closed this account today and will be ever so glad to report to the three credit bureaus that this account is closed. I will NEVER go with them again.

My dad had passed away so I did an express payment on my Credit 1 Card of $500.00 so I would have funds available to book a hotel and rental car. They took a 9.95 express fee from me so my funds would be available the next day. The money was immediately extracted from my bank account. The next day the money was not available to me, when I called I got someone from India who told me they would be available later in the day. When this didn't happen I called again, I got a very rude representative once again in India who then told me I didn't do an express payment even though I had a confirmation # and a screenshot. His rudeness escalated as he continued to argue with me until he hung up on me.

I apply by mistake, thinking it was like a branch of Capital One, (Obviously I wasn't familiar with) and I wanted the app, but it said error. So I called the bank and was very difficult to understand. I asked if they have an app and the guy said: "Yes, but we don't recommend the use of it." I'm totally cancelling this credit card after the first statement.

ALERT. If you are thinking of getting this card...DONT! This company will nickel and dime you to death. Customer service is ridiculous. They can't speak english enough to understand you and you can't understand them. They charge you 10 bucks to make a payment to them. You will not even use the card at all and all of a sudden you have a bill for change for no reason. If you do try to cancel the card they do everything to make it that you can't. They even send you a bill for 4 cents.

I opened a Credit One card to improve my credit, made all payments on time no missed payments, my dad made one payment for me and they closed my account as fraudulent payment and reported me to the credit agency!!! I have argued with corporate office and don't even know how legally they were able to do this... So BEWARE!! VERY SHADY COMPANY!! GOD BLESS.

Do not get a card from them. I had them for a year to get my credit going. After that I closed my card with small balance of 22.50. After closing my card I checked my credit score a month later and had two delinquent payments from them. When I called they said I owed 1.85 which they charged me 65 dollars in late fees as well as 16 in monthly fees even with the card closed. I highly recommend to never use this company as they are scam artists whose call centers are run by people who cannot speak English.

Please stay away from this card. This is a scam. I was approved for a Credit One Bank card for $400 limit with a $75 first year fee back in Oct. 2015. I received the card in Oct. with a $325 balance paid $25 in Nov. My balance with up to $350. I spent $50 and paid $75 in Dec. Somehow my card limit went up to $550. I end up spending $500 for Christmas. My first paycheck of the new year I paid my balance completely off. Went to use my card again to only find out it was suspended. Called Credit One Bank and I was informed I would receive a letter in the mail stating why my card has been suspended. The letter stated that I need to send proof from MY BANK that the account I used to make credit card payments was authorized BY ME. I send in letter from my bank. Only to be told it wasn't the right account which I know I made payments from this account. So I send in MY 2nd account info.

This is the worst card I have ever had!! It lasts me not even one month and it has impacted my credit very badly. They gave me a card with a credit limit of 500 and told me that they would charge a $25 membership for the first year. I made a payment online right after I got my card because I usually don't want to carry a balance and then I used the card at a grocery store and online in order to repay it with my debit card. Therefore, I made another payment with the same debit card I used for the first payment. Next thing I know was that I could not access my account online anymore!

I've had credit card with 500$ limit and I pay all but 25$ off a month and have had no problem with Credit One... And my credit score went up 2 points in 2 months. So the way I see it pay your bill and then some and all is good. Thanks credit one for trusting me a bad credit having customer... Yes they have annual fee. It says that before you accept it. If you don't agree then don't apply! But if you are like me with bad bad bad credit but a good job and want to work on your credit then they are good. Like I said no problems yet.

I set up an account so that I could pay off this account and the website was very difficult to work in. I'll be mailing tomorrow. Between the customer service folks that I cannot understand & the website, I AM DONE.

The company makes it very difficult to make a simple payment and the customer service is horrible. No one will answer your questions or resolve your complaints. They just find insidious ways to charge you more. I've never been able setup an account online to make payments or check my balance. Customer service won't help. I tried sending payments by mail even though, they don't send me statements every month. I sent a check for the full balance just to find I owed the same balance plus fees and interest. Tried calling on the phone to make a payment but again, customer service won't help. I've only used the card 1-3 times for gas and maybe a meal. I'd recommend people stay away from this company. It's the most underhanded credit card company I've ever dealt with.

I have spent years building my credit score and it is now perfect. I have not used my credit one card in awhile and they charged a $8.25 annual fee to my account that I was not aware of and they reported it to credit bureau when it was in late payment status. I called and asked them to see that I have been a member for years with perfect on time payment and because they don't have automatic enrolled payment, could they please help me remove this from credit bureau? They said no and was firm and I had to cancel the card as they hurt my credit score more than they helped me. I enrolled in this card to build my credit score and they hurt me more than they helped me.

Seems like past few months my mail in payment are considered late yet I mail within a 8-10 day before due. When speak to a person on phone they blame me then hang up. Do not speak good English and are rude. Get charged a late fee no matter what.

Each and every encounter leaves me with dissatisfaction. Why am I always speaking with someone who sounds like he or she is in a far away country somewhere, and cannot understand what I am saying? Not to mention their ridiculous annual fee. Bad customer service plus so many unnecessary fees equal a very bad credit card.

I had applied for the card on which I was making on time payments, until one month I overlooked and I got a phone call, "demanding payment". I explained and said sorry for delay and need a few days to complete the payment. I was interrupted and asked If I understood that I needed to make the payment immediately and proceeded to talk over me and then hung up the phone while I was talking. Needless to say I payoff the entire balance and close the account. Extremely unsatisfied the way they conduct business.

Paid up and current until 2 months ago. Lost my job in June and was staying on top of it though. Last month I told a guy that called that I was out of a job.... "not his problem. Let's take care of this today." I told him I didn't have the money but would be going through a consumer counseling service and he told me it wasn't acceptable. Today WITHOUT my permission, knowledge or consent they ran my whole balance through my bank account. I called the bank and got that cleared up, went in to close out my bank information and Credit One blocked my information access. Please DON'T fall into this... Don't get a Credit One Credit card...

These have got to be the worst company I've dealt with. They asked for my personal information and I didn't realize this one simple scam... They disguise themselves as another well-known credit line. Look at their logo! Sincerely, your best customer.

Called customer service in regards to a charge on my account, was prompted to push 1 for English and the representative who answered had such a strong accent I couldn't understand him. He connected me with another representative name Daisy (at least I could pronounce her name) and I couldn't understand her either. I kept asking her to talk slowly so I could understand - with her not being fluent in English she obviously didn't understand what that meant. I ask her where she was located as I was prompted at the beginning of the call to PUSH 1 FOR ENGLISH NOT 1 FOR INDONESIA and she said INDIA!

I made a payment by check to Credit One Bank for my February 2016 payment through the mail 10 days before due date. The payment was for eighty dollars. It is logged into my check register, no doubt about it. I check my bank balance daily through my bank's automated service. To my surprise I had an eight hundred debit to my account. I contacted my bank and inquired as to the source of this error. It was Credit One Bank. I had my bank credit the amount back to my account after I explain that it was an error. I contacted Credit One Bank and talked to customer service. They would not talk about the error and were resolute that I had written the check for 800.00.

On 02/08/16 I authorized my debit card to make a payment of $75.00 on my fiancé's credit card. Credit One took out 4 payments instead of one. We live week to week, and count on every dollar we have for bills, groceries and more. This extra $225 could overdraw our bank account. We talk to customer service and they are never helpful. We are going to cancel our cards with this company...

I presently have 6 credit cards and I always pay on time and in full. After receiving my latest Credit One Bank bill I was shocked to see a late charge on the statement. I looked back over my bank records and didn't see a payment for the month of December 2015. The ONLY reason I wouldn't have paid is if I didn't receive a bill. I have a system with paying my bills and I don't throw bills away. I called customer service and finally got a hard-to-understand foreign voice on the phone. This person was anything but pleasant. She asked for verification of my account. She asked for my card number, 3-digit code, my name, my address, my birthday, my email address, my phone number, etc, etc. After honestly asking me '10' different verification questions I asked her why she had to ask me so many questions. Again, she was snappy and rude even before this hundred questions session began.

Horrible and misleading, no credible credit card company asks for DL and utility bill information. They should NOT be allowed to be in business. Did we bail out this bank also? Over 800 complaints and they still exist. DO NOT APPLY - stick with Capital One NOT Credit One.

This is the worst company ever. I never complain, but they are a scam. If you use card for a hold at a hotel it takes them 7 days to release funds even though the hotel released the hold 1 day later. If you don't pay by certified funds they won't credit your account for 5 days. The FTC should investigate them and throw the owners in jail!

Someone hacked into by Credit One bank credit card. Even though they have supplied me with a new credit card and sent me a letter stating I would not be responsible, they transferred the fraudulent charges to the new credit card and have been paying on them since. I have called and left messages that go ignored, I have written a letter with return receipt and to this date have not received and correspondence back from them.

I thought I was making the monthly online payments. I received a call one day stating Credit One had not received a payment in 3 months. Payments were never received by Credit One stating insufficient funds. I always had funds in my checking account... Bottom line Credit One closed my account. Terrible customer service over the phone and online.

They told me there would be no charge to pay online. When I paid online they claimed that they couldn't find the payment. So I canceled my card because my money was lost.

I would not recommend this card to anyone! I received a card from them with the understanding NO ANNUAL FEE & 1500 LIMIT. I activated the card & put it in a drawer for a rainy day. A few months later I get a bill in the mail stating I owe $138.50 and my credit limit is only $400!! I would never apply for a cc that has an annual fee!! Never!! I called the number on the statement & got disconnected before I could to speak to anyone, this went on several times. I then called another number I had located 18778253242, reached someone who could barely speak English, and after some haggling was able to get the account canceled without any charges. I was unable to receive any kind of verification such as an email stating this other than the man's word and since they lied before, I can only hope this doesn't affect my credit!! My husband had the same problem!! Be aware.

I also have the same grievance as some of the other complaints I've read here. I put in my routing and bank account number to make online payments only to have it rejected for invalid/no account forcing me to make payments over the phone paying the 9.95 processing fee. The first time I had no idea it was rejected and wasn't notified until weeks later that my payment was way overdue. Trying to even log onto my online account was a hassle at times as well. They eventually suspended it and closed my account. I only used my card maybe twice. I was approved for 1200 dollars and thankfully only used about 400 of it so my ending balance was nothing outrageous. What's outrageous is this company's practices and seriously how hard it is to understand the non fluently English speaking associates in their customer service department.

Do not ever agree to work with this company!!! I unfortunately decided to open a credit card with this company. A few months into it, they cancelled my ability to view my account online. This means, I cannot view my account frequently to make sure that it stays correct. I also never use this card. Very seldomly I will charge one or two things, just to help with me credit. Since then, bank account has been wrong many many times, and a few times I have not been able to get it fixed.

I've read a large amount of complaints claiming deception and fraud. I've had this card for two years after a terrible divorce. I've never had problems and the fees are all disclosed. People are complaining about fees and high interest on a card that's giving you a second chance. My limit is now $2500 after starting off with $500 so stop being ungrateful.

I made the mistake of acquiring this credit card to help raise my credit score. I received the card and was going to use it for gas one afternoon. The card was declined. I went on and used another source of payment and called Credit One to see what was going on. They said everything was ok, that they did not understand why my card was declined. I just put the card in purse and never attempted to use it again.

I tried to contact them with numbers provided but they were all automation and could not speak to a person. I have question regarding my account and the automation is very limited to information that I needed.

This is not a credit card from a real company. This is more what you would expect from a LOAN SHARK! Fees and interest charged when the card has been inactive for months! I didn't use my card for over 3 months and was charged $10.63 for "interest on purchases"! I wanted to get out from under them and close the account and destroy the card so I had my balance transferred to my BOA card, and the balance was $587.75 and the transfer was made which should have brought my balance to zero.... but it must have pissed Credit One off and they hit my card with an additional $74 dollars holding me hostage until it was paid. My advice, just don't get a Credit One card. You'll thank me for it later.

First of all, I never open the account with Credit One bank. After 2 month later I got statement to pay. I was shocked and I called right away. And I never open the account and I am not the one who is using so that I request to close the account. They said yes but after one month later someone called me to pay for minimum payment. So I explain what was going on and it should been close for one month before. But account was still open and they let the people using it and they're forcing me to pay off. They said if I don't pay they cannot close account. Now it been 6 month they keep sending me statement. What the **. Now I am doing police report for that **. No one should apply with that company.

The first time the problem was my bank and the # of pmts that could be take from a savings acct - ok my fault. I finally was able to get a checking acct: updated this information on the Credit One website and made a $100 pmt... ONLY FOR IT TO BE RETURNED. They said it was an invalid account LMAO! ALL THE information from the bank name to acct number to routing number are all the same!!! 1995 called they want their technological ignorance back. Also they blocked me from accessing my account online which is a devious way of getting someone into collections thereby attacking my credit... No chance you are doing that. So in turn I would like to ask - How is blocking me from making an online payment helping you? You want $$ and I can't give it to you because of the dinosaur policies you have.

As I read a lot of issue about Credit One by customers it the same problem that I'm going through with their services. I just started at the ending of December 2015, and they're already charging me the annual fees. ( I'm suggesting) My Credit limit is $300 but I only used $225.00. When I got my first bills online it was $303.50. Called the customer service to question about my bill. I didn't get any answer from them but being pressured by making the payment for my bill they couldn't answer my first question and I could barely understand them. I asked to speak with a supervisor. He's already given me a hard time by saying there no supervisor then the lady answer and said she's the supervisor but she was yelling at me already to make a payment for my bill. (I'm not sure if she's the supervisor) So I asked the same question about my bill that still haven't been answer yet and she hung up on me.

I regret getting this card. I went over my credit limit by $7.02. They were calling all the time. Last call was on a Sunday morning at 8 am. I couldn't believe it. For $7.02. I always paid my account on time. But just because of the $7.02, they were hounding me. Beware.

They never said there would be a $75 annual fee on the credit card. It appeared on the first statement. I paid my first bill in full. I'm still being charged interest on purchases daily, even though I pay my balance in full and on time each month. Try getting someone on the phone who speaks English - it'll never happen. And, they're rude and obnoxious when you do get someone on the phone after the automated runaround. I'm paying my balance in full this month and closing the account. They got the fee and recent interest from me, but they won't get another dime.

Charging late fees when none are there and trying to put payments for months prior instead of the current month paid. I was checking on the status of my credit card payment with Credit One Bank and I saw that even though I made the minimum payment required before the due date that I was still charged a $35 late fee. When I called the collections line the lady I spoke to was not able to read my statement as she told me that my credit card was over by $85 when in fact it was only over by 68.42 and that I had to pay $85 to make my account not overdue. And I told them and it clearly showed that the payment was made on time and for the minimum amount. I was then told "Oh no the payment that you made was put for the December payment that you didn't make". I informed the woman that I had indeed made my December payment and that their system did not allow me to look at any of my past statements or payments.

With credit one bank I was late by 3 days and $13 over my limit. In one day I received 12! calls from them. I was unable to answer the calls due to being at work when they called. The next day I paid 4X the minimum amount due and was still being asked to pay more on my account. I told the manager there if this was what they deemed acceptable practices for dealing with their customers I wanted my account closed immediately! Stay away from this company. They are not worth the aggravation they will cause you.

Online payments don't go through forcing you to pay online for $9 fee. When you call they don't speak clear enough to understand. Horrible company. Scam artists.

You will never get an agent in the United States. When I asked for one I was told to hang up and call back, if not she would hang up on me. Stated that all their workers are in other countries, too bad, and just hung up. Good luck getting someone to help you correctly and someone you can understand.

I've had a Credit One charge card for the last 5 years. I received it after my bankruptcy and I have always paid my account on time and over the minimum balance. Over the holidays I was on vacation and made a payment via my smartphone. I attempted to double check what the minimum payment was and was unable to access the online. I made the same payment I had made over the last 3 months which was slightly over the min. payment. However, they had increased the min. payment amount by $13.00. I never received a courtesy but I reviewed my account once I returned and called immediately. They waived the late fee because of my excellent payment history. However, I received a call attempting to collect the full balance as if I were a deadbeat. Once this card is paid off, it will be canceled! You don't treat your customers this way.

I currently have a Credit One Bank Visa card. I have been trying to submit a payment on my online account but have been unsuccessful. I have called the online number only to be told to wait for a call that seems not to be coming. Hence, a whole week has passed since my call for assistance, and no one has called back. :( Credit One Bank has no way of contacting via email, making their customer service poor! The customer service via phone is relatively below poor, clearly unproductive, and unsatisfying to assist a loyal customer since 2013 that all she wants to do is submit a payment online!

I took out a credit card with credit one bank to improve my credit score but come to find out with all the padded fees it's not for people trying to build credit. If anything, it's a setup for you to fail, they have no customer service reps. They only have non-english speaking people taking your social security number to issue high fee credit cards. My account says 300 credit limit, zero balance, but it is suspended. I called, there's no one to take the call, they pass you through to a waiting call which cuts off after a while. Terrible place to do business. Nonsense.

Yesterday I made a payment to Credit One credit card. My husband's debit card was broken, so while awaiting a new one I was paying my acct once a week. On my 3rd payment I was informed that for security purposes they would be making a deposit into my bank acct, and that I must check my bank acct to see what the deposit was for and then inform them before they would post my payment. I called their customer service and asked why all the sudden after taking my payments this way for several months. I was all the sudden a security risk. And I asked if that payment could be recalled and I would use my debit card instead to make the payment. I was told "Too late, basically too bad, so sad." I called bank asking if a deposit from them had been made. Nope. And I'm still checking online, nothing.

I have had my Credit Card hacked three times now in two months by someone on the East Coast (NY, NJ Area), I live in Washington State! Credit One allows CHANGES to the account via telephone without confirming ALL of your personal information. RED FLAG: When someone calls to change their address to across the country and then says they need a new card overnighted to the new address because they lost their card, would you not see this as a Red Flag?? At least CALL OR MAIL a confirmation to the original card holder's phone number or address. The sad part is I told the company to not ever change my address again without written consent or a password for the account, yet it happened TWO more times after the original fraud case.

For years I had trouble obtaining credit and had to rebuild with secured credit cards and annual fees. I was approved for this Credit One card with a $75 annual fee. It has been 3 years and never a missed, or late payment... There is still an annual fee. I have several credit cards now and have greatly improved my credit score. The APR is absurd at 24% for someone with such a good payment history especially considering there is NO OPTION FOR AUTO PAY. That means, if you have 1 incident, or an emergency, or ANYTHING happen at all you better make sure you have WIFI from that hospital bed because you must log in and make your payment! It's really set up for you to fail. I have cut the card up at this point because it's just absurd. There are plenty of other options for reputable secured credit card companies... This is not one of them. Don't give in to the temptation! Do your research and forget this hamster wheel. They are counting on your desperation.

I received an offer for a credit card. It was supposed to be no annual fees and other charges. I took the card because I knew I would be traveling to another state to attend a funeral service. The card had a $500 credit limit, which was perfect. Everything was okay going to the funeral. I paid for two nights of lodging and fuel costs going to the funeral. However, the morning I was leaving to return home, the card was declined, so I called them up to see what the problem was. I was told that I was behind on a payment of $80, I said "what?"

It's 2016. They do not offer any auto payments and there is a 25 dollar late fee for being 48 hrs late. I've made every payment on time with double the minimum amount due for 5 years and my credit line is only at 1700 but both of my Capital One cards are well over 4k a piece and it's only been 3 years.

AVOID THIS COMPANY. Got this card to rebuild credit and help me move money to my kid in another state. BIGGEST rip off artists in the world. If you take a cash advance today and used your total available cash balance, until you repay the ENTIRE debt you can never do another cash advance. Think about it, you can owe this company one dollar, have $999.00 of available credit, but because your balance never hit zero, you are stuck in another state with no means to get cash. If I wanted American Express I would have applied for it. What I hate is that they do not state this is their policy. You have to WAIT for them to mail you a cardholder agreement. Better companies are out there. Somewhere.

Every time I have called their customer service I get someone on the line from a different country who I can't even understand. They suck at customer service and just stick to their script. I called this weekend to see if I could get an old dispute removed from my credit report. They told me it could take 30 to 90 days! They said I could call on Monday and talk to a supervisor to see if I could speed up the process. So I called today and after being transferred like 3 times, I finally speak to a "supervisor". He told me they already received the information and it's going to take a while to complete the process and that calling everyday won't help! I told him they were the ones who told me to try calling back. He was so rude and he could barely speak English himself. I had no problem with Capital One. They faxed a confirmation of the dispute being removed the same day! As soon as this is done, I am closing my account!

I decided to close the account because I wasn't going to use it anymore. So I called. Pressed 1 for english and then 0 two times to get to a representative. It took about a couple minutes for the line to connect. I was asked for some information and what I needed help on. So I told the rep. that I wanted to close my account - he had transferred me to a specialist of some sort. The specialist gave me offers so that I wouldn't close the account - he tried 3 offers (which I refused) before giving up. And then he said that he closed my account. Hopefully it's closed. The whole call was around maybe ten minutes? I didn't experience any rudeness. However, I do wish that they have the option of closing the card during the automated system - like Capitol One does - because then it would make things so much easier.

I am so disgusted with this company. This past year I had three hardships and fell behind on payments. The associates at this company are very unprofessional and make no attempt to try to work with you to bring your account current. I spoke to a supervisor to try to make payment arrangements, which I was informed they do not do. They look for the entire balance up front, have no programs available that will enable the creditor and customer to work together.

Opening the account costs money. There are many other secured credit companies that do the same thing as credit one for free. The late fees are high and the APR, late payment fee and maintenance fees are high. Please read the mailer before accepting the high fee card.

I applied for a Credit One card and was approved. It took over a month to receive the card and two days after I received the card, I received a statement, but hadn't even used the card at that point! Needless to say, I went ahead and decided to make a small purchase (under 40.00). I received another statement reflecting my purchase along with, what I was told, was my annual membership fee. I mailed off the full payment. For the past week I have been getting repeated phone calls from so called representatives saying that my payment was late, that I now have a late fee and practically demanding that I make a payment over the phone on the spot!!!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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