Credit One Bank Reviews

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.

I enrolled in a Debt Management Plan while my account was in good standing in April. I contacted Credit One Bank and made them aware that I was doing so. The representative at that time alerted me that my account was in good standing and there should be no issue with Credit One Bank accepting the proposal. One month later, my debt counselor made me aware that the proposal has remained in the pending status since the submission in early April of 2011. I have been back and forth with at least two dozen different people. Credit One Bank purposely left the proposal pending. My Debt Management company is submitting proposed payments anyway to this date! But they are still calling and harassing. I will not compromise and insist that I pay all the late fees before they approve my long pending (by their doing) proposal. This company is a scam. They prey on the non-financially savvy and will further wreck your life.

First, I want to say that credit companies that take advantage of people at their lowest moment (after BK) are lower than bottom feeders. I opened a card with them after my BK was discharged. I wanted to start establishing credit and they gave me a $300.00 credit line with a $75.00 fee and so, available credit was $225.00. I have had this card for 2 years now and my credit has increased to $650.00 but not without cost.

I contacted Credit One Bank on 08/29/11 around 4:15pm CST. I spoke with a Fred and asked why was I assessed late charge on 08/26/11, which was the day before my payment is due on 08/27/11, which fell on a Saturday. He explained to me how their system works with charging fees. I asked how can I get a credit back since I did make my payment on my due date. He told me he was unable to refund my late charge of $35.00. I then asked for a manager and was transferred to Amy ID# **, whom then explained to me I supposedly made my payment after the cutoff time of 2pm EST on Saturday. She, too, refused to waive the late charge. Again, I then asked for her supervisor which she said was a person by name of Kim who was not ever available.

I applied for and received a credit card with a limit of $300. I never made a transaction on the card. I did not realize that when the card was sent to me. The company automatically charged me a $60 annual fee.

Credit One Bank is a fraud. They gave me a credit limit of $250.00 and asked that I pay $165.00 to the account first. So, I did it in order to establish my credit. They would call me a few times a month to pay more money than the minimum payment. Then, in May 2011 they closed my account without prior notice or warning because I missed my payment. Every time I would call them, its like they are from another country. It's hard to understand them and they are rude.

My husband has been out of work due to leaving the military. He just went back to work this week and will be leaving for Iraq in a few days. Credit One has harassed us repeatedly in the past few weeks even though we have told them over and over that they will get money when we get a paycheck.

This company is terrible. Right now, I'm past due on my account, which I've told them over the phone the exact day that I will be making a payment.

i have a balance due ,and i have been under alot of financial strain, i explained to them that i agree that i owe the money but i have to pay my more important bills first. they call me and harass me at least 10 times a day and even called my work (getting me in trouble) i have asked them repeatedly not to do that and they still are harrassing me, i told them as soon as i was able i would send money. im tired of this and i want them to leave me alone. they have even called asking for alternative numbers to my kids.

I received a preapproved credit card offer in the mail and was encouraged to go online to apply. I did so, and almost immediately I received a notification that I was approved for $1000 credit, and to choose my card.

I make a payment, it comes out of my bank account and Credit One bank does not apply it to my account for 7 days unless I pay $9.95. Why are they getting interest off my money for 7 days unless I pay them extra....this is a huge scam!!!!!!

This information should help consumers file a complaint against this financial institution. You can find out if this bank is a federal bank or national bank. Call these numbers to file a complaint against any bank: if it's a national bank (occ-1-202-874-4700), and if it's a federal bank (otc-1-202-906-6000). They will investigate these financial institutions.

The terms and conditions seem to hide the fact that you get charged at almost 24% interest on your charges even though you payoff your bill every month. They can not tell you a straight story. I asked the same question 3 times (using examples) if you have a credit balance they are not sure if you will be charged interest. They also do not know when and if you will be issued money back for your credit balance. When I asked for their address there was a confusion as to what they say they are in Henderson not in Las Vegas (did not even know the proximity between both)

This is being taken to court. After Credit One demanded to take an amount from my checking account for payment, it ended up costing me $215.00 for an overdrawn account that several other creditors used. This was my grocery money for the month. Their ignorance and harassment lead to closing that account. They called with threats and promised me trouble. Then they went and tried to collect more money and found no account. While they said I authorized this; not the account being closed and never asking me for the new account. They ruined me and now I think I should go to court with charges against them. They will never get another dime from me. I'm on Social Security Disability and I need meds and food at the same time. Tough luck with my credit score.

This is about Credit One. I got my bill from them and it had a $33.25 late fee on it. I checked my bank account against their records, and my records showed that the payment was made. So, I called Credit One and they explained to me that they do not apply your payment, if you send it in early. They just apply it to your balance due. I explained to them that I have records that show where I make my payments every month. They agreed that I did make that payment. They said if you make your payments early, then they will not apply it to your payment. They will apply it toward your balance and cause your payment to be late, and then charge you a fee for being late. I feel that this must be illegal, but they say that it is legal to do. I make $8.50 an hour, so a $33 late fee takes away the money I already do not have. I pay all my payments on time.

I, Patsy **, have a balance on my card of $368.22. They were calling on my cell phone, harassing me about their money at least every 20 minutes. I told the gentleman on the phone that I am unemployed. I'm not receiving any unemployment because I just went through an appeal. Then, I'm really getting stressed out from them. I told them they will receive payment from me at the end of February, when I receive my taxes. Please make them stop calling me. Next, I'm going to have to change my phone number because of this. Thank you.

When they mail out a bill late or I receive a bill 3 days before the payment is due, they say it’s my problem not theirs. I get charged late fees for the payment being received by them 1 day after the due date, but the payment was sent out with 7-10 days ahead, or with bill pay from my personal bank. When I signed up for the card, I called and asked about the members’ fee and I was told it was a 1 time fee of $99 spread out through the first year only, but found out instead it was false. I was charged the fee every year since 2008. They are disrespectful and put all blame on the customer, but will never take responsibility for their mistakes, and yet the customer has to pay for it.

I would appreciate any help i could possibly get. Thank you.

I have not received my statement from them for November, so I went online on 10/29/2010 to check my status and it said that 11/27/2010 was the due date. I'm here today to make my payment on 11/26/2010 and the online statement shows that it was to be paid by the 23rd and it would not take my payment today. So do I go to Obama to get this bank closed since they are not doing business in the right way? Or to the Nevada Attorney General? What do I do from here is my question.

I just want to add to the growing list of complaints about Credit One. Yes, indeed they are nasty! My complaints include all the previous remarks made by consumers: not being able to access credit for 5 days after payment, rude CS personnel (if you can get anyone on the phone), inability to contact CS via email (very strange) and unheard of in this day and age, increased high interest rates (whether you pay your bill on time or not, and lying about waiving late fees). I would highly recommend that anyone dealing with these crooks to do as I am finally doing, bite the bullet and pay the **** bill off no matter how much it hurts! Good riddance!

I got through the mail a Credit One Bank Visa card around October 5th this year and decided to activate and use this to help on my credit.

In 1995, I was approved for a secured credit card in 1995 and we kept through 1996 and it ended up getting charged off. Now, I see that First Nation Bank of Marin has changed its name to Credit One and LVNV Lending and are double dinging my credit for $693. This is a time barred account and by federal law according to the FDCPA, this is an illegal action on the part of the creditor. When I tried to access the website with mine and my ex-husband's information, the account was locked by the administrator. This company really needs to be shut down by the federal government and all of us who have been victimized should be compensated for our stress and mental anguish and removed from our credit.

I received this card in the mail and when I activated it, I couldn't use it and I then got a bill for $75.72, minimum payment due of $25.00. I see on the computer that this is a scam. How can people do this? I was ignorant to the fact that this could happen. What happens if I don't pay this and just send the card back?

I have a credit card with Credit One bank. I have tried to keep up with the payments and paying on time, I was paying $125 a month and noticed my payments were not coming down. I called and they would not work with me and what I was paying went to over limit fees, late fees etc. so what I was paying was at $10.00. I told them I could never get the card down and will they work with me. The answer was if I could sent $534. it would help. I told them I was not working my part time job and I was on a fixed income (I am 68 years old). Now they have harassed me with phone calls every 15 minutes, and I am now in collections with two different agencies. They are the biggest crooks and will not have a program that will help me. What am I to do ? Help!

I received a call that I was late on my payment. I had already sent out one payment through my online banking. They called and said I needed to make a payment over the phone for the account to become current. They said they needed $75. I wouldn't make a payment over the phone. My husband spoke with them also in regards to a 29.9 interest rate they say cannot be lowered. I sent them another payment 2 days later and another payment after that. I got a call from a very rude man from the company today asking for the whole amount due. I explained that I have already sent out three payments and I was not going to make a payment over the phone again. I have had this card well over two years and because of the interest rate being so high, there were times only a few dollars actually went towards the balance of the card. I wish I had never dealt with these people.

I am beyond fed up with this bank. I took their card to rebuild my credit about a year ago. I have had nothing but problems with their billing and when you request a pay off so I can cancel the account, another $30- $75 shows up. And when you ask them as to the cause, they never have a reason or they hang up on you when you start to get angry due to the fact that they wont answer you. Ive tried several times to write them and email the company and Ive never had a response. There has to be something that can be done to these companies that take advantage of people and get away with it. Thank you for your time.

I have been deployed to Afghanistan since January 2010. My wife received a phone call from a collection agency in April telling her that my Credit One account had been sold to them and they agreed to settle. She paid them in full on 4/23/2010.

I do not, nor have I ever had a Credit One card. However, somehow my home telephone number got into their automated dialing system for collections and I received over 100 calls last month asking for people I never heard of. After I got my land-line provider (Horizon of NJ) through their harassment hotline to contact them, I discovered there were 47 names with my number attached to them alone in collections. The person from Credit One realized there had been a computer glitch on their part since the names and addresses of the people they were trying to collect from were in different parts of the country and therefore couldn't be in my area code. They removed those 47 names, but another billing cycle has started and now calls for other people are coming in. In one day in Sept., I received 77 calls from this stupid company that I don't even have a card with.

My husband and I went out of town, while out of town we received our Credit One Bank bill, when we returned home I wrote all checks for all the bills that had come in during our abstinence, including Credit One Bank. I received a call on 10/5/10 from Credit One Bank, stated that my bill was overdue and I needed to pay $25 with my debit card. I explained to them that I had sent a check and I always have paid over the min balance due and this was my first time being late. That didn't matter. I told them I would not give my debit card over the phone and the person got rude, I handed the phone to my husband and he found out the guy was in India and he also wouldn't let my husband talk to a manager. The customer service was very rude.

Applied for and received a credit card. I went online and paid the fee immediately. Ditto with the other charges. All of this within a three week period. Then the website would no longer accept payments for a full week after the second statement closed. The current bill received yesterday and dated 10 days ago, showed an interest charge. I called to complain and was told that the interest starts the day the charge goes through. This bank is a rip off and takes advantage of people who are desperate. They should be reported and closed down.

I have been trying my best to fulfill my obligations to this creditor. They refused consumer credit counseling and I have continued to try my best only to find that I am continually charged late fees monthly. My payment due date changes every month. I would assume coincidentally to coincide with my payment arrival. I am unsure how to handle this as my payment due dates are never the same so I cannot even set up any type of direct payment to avoid anywhere from 29-35 dollars per month in late fees. My current balance would be in the negatives and they would owe me money if the late fees were based upon actually being late or if the due dates would remain the same from month to month without fluctuation.

Six months after closing and paying off my balance with Credit One's credit card, I received a bill for $8.25 in fees. As stated, the card was paid off and closed yet they still billed me. The notice stated that if I didn't pay, they would add $35.00 for late payment. Imagine if someone panicked and paid their $8.25 instead of ** to the company. This company could ultimately be making money from people that are not their customers.

These guys are taking our payments and sending a confirmation letting us know that they have received it, but will not post the money for a week or so. I don't know what is going on, but this just started happening in the last couple of months. I am not able to access my monies till it gets posted a week or so after the confirmation of them receiving it.

Two different people told me that if I paid by giving my checking acct. #, the late fee would be waived. Told them I would not give out my acct #'s, got very rude, but kept trying to assure me that my #'s would not be given out. I still refused. Will see if I'm charged another late fee next month. Also, will see if they will release my account to use, as I am not over the limit!

I applied for this credit card and was approved for a credit limit of $400. I received my statement a few weeks later charging me for this annual fee and my credit limit was really only $301. So I paid the amount due which was $25 yet I never actually received the credit card! I called Credit One and told them so. I got the same representative 3 times and she hung up every time I requested to close my account because I never received the card! What a rip off! They wanted to wait another 7-10 business days to see if my card would come and told me that I was still responsible for my next payment!

Took Credit Ones Offer to rebuild my credit a few years ago. On April of 2009, I thought I was having heart attack and went to emergency room. I was kept two days for tests and missed some time from work. I was close to limit and called Credit One to explain what happened. I was paying for some sort of insurance each month that was suppose to help me. I find out you have to be out of work for 15 days and ongoing medical care monthly they told me. I told them I do have ongoing medical care from the cardiologist every 3 months. Meantime, I get hit with late fee, over the limit fee and the interest.

I was sent a bill of $75 for a credit card I never applied for. I don't want a credit card from this bank and have never received a card from this bank and currently do not wish to either. Thank you.

Credit One bank billed me on July 24,2010 for a credit card that wasn't activated until July 29, 2010 which resulted in a 35-dollar late fee which should not have been so. There was no where in writing that stated you would be billed as soon as you apply for the card or before the card is activated. Therefore, I should not have had a bill until the following month.

Tried to make payment on credit card.Gave checking acct.#. Two days later, money was never taken out. Ended up getting late charges, over the limit charges and I was misled by customer service. I proceeded to make another payment of $140. They told me I would get a $10 credit for more than a $30 payment but I was charged $9.95 fee for putting payment on acct in 24 hrs. I later learned that I could only get $$100 of the $$140 payment and the other $40 in five business days. Customer service was rude when I questioned methods. They keep adding fees and charges and keeping my acct. non current. I tried to pay annual fee with no avail. They told me it had to be paid monthly.

I rented a car from Hertz online via Priceline. Hertz added a $140 hold on my credit line. I returned the car 8/16/10 but the hold was never removed and continues to show a pending transaction. I called Credit One 8/18/10 who stated that Hertz has not released the hold. I called Hertz 8/18 and they sent info to release the hold. Credit One claims they didn't receive it. Hertz sent info electronically twice on 8/20/10, which Credit One says they did not receive.

On Wed, August 18 2010, I called to find out what was the reason for holding up my available balance when I made a payment over the internet on the 16th which was taken out of my bank account on the same day and credit to there account on the following day. They insist there is a waiting period until the 24th for bank verification. And I said, while I had my bank on the other phone, that my bank said they received the funds already and they would fax a letter to them stating the verification of the payment. But they still would not release my available credit, but they will keep my funds and make interest on my funds in their account and everyone else who chooses standard payment to forgo the $10 fee for overnight payment.

I opened this account in 2006. Credit limit was 400.00. I have not used this card since 2006. I have paid on this account since Sept of 09, 407.00 and now have a balance of 481.00. This seems so wrong and unfair. I think this would fit the term "predatory lending". I cannot get to a person that will help me. I keep getting transferred until they tell me they can no longer hear me the connection is not good. The way of doing their business practices seems to me unlawful. What can I do?

Today after reading all the complaints, much like the Aug 11 complaint, I've decided to not fight them but now let those ** get blood out of a stone; I'm 63 with a judgement proof income of $760/mo.

On July 16, 2010, I mailed a payment of $100.00 for payment on my account. My statement shows they received my payment on 07/20/2010 before due date. Then it shows Credit One Bank stopping my payment of $100.00 to my account saying NSF. My personal bank has proof that funds were there at this time and faxed them my statement showing funds were indeed there with a lot more than $100.00 in my account.

I have had an account with Credit One Bank for years and until recently the only complaints I had were about their high fees and interest rates and charging to pay through their website. About three months ago, I paid off the balance I had carried for about a year and was surprised to see charges continuing on my account. They are charging an annual fee every month plus interest on the fee.

I called in July about my credit protection. I did not authorize anyone to use this to pay my bills. I strictly called about what I had to do to use it. I was told to continue to pay my bill on time and they would send me a form to fill out, and when I returned the form that they would revue it to determine if I qualify to use it. I received the letter and decided it’s too much a pain and that I would just continue to pay the bill. I went to use my card to discover that they had frozen my account and made a payment on my behalf without my consent. I was infuriated and called customer service. After spending 20 minutes on the phone with Sandy, she transferred my call to Justin.

I have received several bills requesting a large payment. I have never had a line of credit with this bank. I realized that my identity has been stolen, and tried to dispute this payment. I have not heard anything from these people in months, and now have gotten a bill from one of their debt collectors in the amount of $988.27. One of the addresses listed is a P.O. Box. I am currently living out of the country, and cannot meet with anyone to discuss this case. I have been married for 3 years, and this bill still has my maiden name on it. This needs to stop immediately.

I was charged a late fee for paying my bill too early. I paid my bill a day before the cycle closed. When I received the statement, I disregarded it because I had already paid it. When I went online to pay my bill for the next month, I was informed that I was late because I paid twice in the same billing cycle. After several calls and much frustration, someone promised to take the late fee off of my account. it has not happened yet! I also requested another copy of their policy and rules. I have yet to receive that either.

Two years ago, I found a fraudulent account on my credit report. A credit card was opened under my name and SS no. at an address I had never lived at. Credit One Bank keeps reselling my debt to different law firms who I must continually dispute the debt with, and I can't get it removed from my credit report unless Credit One Bank acknowledges my dispute. Credit One Bank will not let me send them the incident reports or directly dispute the charges with them, so I'm left with no way to remove this debt or to completely stop collection agencies from harassing me.

They told that if I paid my card off, they would reinstate it. Then, I called back and they told me they wouldn't do it. All they had to do was to tell me the truth. What a scam!

I called to check my balance with the automated machine. It informed me that my 7/3/10 payment was returned by my bank unpaid. Let's get one thing clear, I always have money in my account and never had anything bounce in this account, ever! I called my bank to find out why it was returned unpaid and they informed me that check was never deposited. Now, Credit One wants to charge me bounce fees, late payment fees etc.

I have 3 other credit cards and never had dealt with any bank that had representatives and managers who treated their customer with such lack of respect. They are like terrorists who make unreasonable demands and have no sense of professionalism. Every month, I get calls, sometimes at work, from the Credit One threatening to report my late payment of 10 days to the credit bureau. It is my understanding that unless it is past due 30 days, it will not be reported.

People representing Credit One Bank have called me repeatedly about a debt I dispute. Credit One Bank has been fraudulent, and its policies are the epitome of predatory lending. I received a credit card in the mail a few years ago, and I wanted to get more info about it. So I called the customer service number, and they automatically activated my account, charged fees, and increased my credit line. They also charge fees for every method of payment possible from $10 to $15 a month just to pay your bill interest, and other fees are added.

Lender will not provide account details, misreported payment history and balance, rude calls all hours, informed family and friends of loan status, potentially altered loan documentation, did not register vehicle when purchased. I couldn't buy a home due to misreporting and too much stress from harassment.

I am calling for my mother who lives in Jackson, MS. About every hour day and night a call comes in from Credit One Bank. Most of the time there is no one on the other end. The problem is she is an Eighty year old woman living alone in bad health and has problems sleeping. I am hoping that someone in authority at Credit One Bank can find a way to put an end to these harassing calls. And maybe we won't have to seek legal means to have them stopped. Thank you very much.

Deceptive, deceptive, did I say deceptive? After paying the $9.95 "Express payment" fee, where it specifically said that my payment would be in my available credit the next business day, what do I find? They only made $100 of my payment available and placed the remainder on hold until 6/10. The kicker is that the payment cleared my bank account the day after I made it. The same day, my payment was supposed to be in my available credit. I asked the clueless CSR to refund my "Express payment fee", as a six business day hold is not "express", which of course, she refused to do. Into the sock drawer with this one. Should have known better, being Credit One is part of the Sherman group, one of the biggest and shadiest Junk Debt Buyers in the US.

This credit card company delayed posting my payments. I've mailed my checks at least two weeks in advance just to avoid their ridiculous $9.95 online payment fees. There were two occasions when I made the payment and it cleared my bank well before my due date and yet they claimed I was late. They charged me a late fee. I think they do this just so they can make millions on late charges. The few times I did decide to make an online payment, it cleared my bank and still I was forced to wait 5 business days for my funds to be available. The customer service representatives must deal with thousands of upset consumers daily because they all react the same, either apathetic or just obnoxiously rude.

I have a due date 5/7/2010 to pay a minimum of $25.00 on my credit card. I sent my payment via priority mail with delivery confirmation on May 30th. The tracking number shows my payment was received on 5/3/2010. I called and explained this to the customer rep. She asked me to fax a copy of money order and tracking number. I faxed. Few days after this, I checked on my account online and they charged me a $35 late fee twice. I called again and they said the late fee is because they haven't received my payment. I can't complaint to the post office because the tracking number shows post office delivered it. What can I do?

I called Credit One and got a rude, smart-aleck rep on the phone. She referred to her self as Mary **. When I asked to speak with her supervisor to file a complaint against her, she outright refused to transfer me to a supervisor. When I called back, I couldn't get a rep to transfer me to a supervisor to file a complaint. Outright rudest and worst business I've ever dealt with. Avoid this business at all costs.

A few years ago my wife and I lost our business, and our credit along with it. In late 2008, my wife got a pre-approved credit card offer from Credit One bank for a card with 250.00 limit. We thought it would be a good way to re-establish some credit, so she called and ordered the card. We knew up front about the 69.00 fee and 5.00 a month membership fee. We actually had very few problems until December of 2009. A company I had ordered some arthritis meds from fraudulently charged us a second month of product we didn't order.

I have an account with Credit One Bank and have been making my payments on time and all of a sudden, they have started showing me a past due payment and charging me a late fee. I printed my statements from my account online, sent them a copy and showed them where I had made my payments on or before the payment was due. They send me a letter back, saying my account was open and current, but when I went to pay them for this month due on April 26, 2010, it was still showing me past due of $35 and they charged me another $29 late fee. How can I be past due and get charged a late charge when they say I am current. If you pay them before the due date, they don't credit it for that payment so when they don't get the payment on the due date, you are past due and you get charged a late fee. It is hurting my credit report, putting a physical and financial strain on me. I try to make all my payments before or on the due date and they do this to me.

I had a Credit One credit card, and I was never sorrier. They charge you for making payments online using their website - $9.95 per payment. They don't have agreements in place with major banks to facilitate electronic payments through your own bank's free bill payment service. If you make a payment via check, they'll hold your check in limbo until after the due date, and then charge you a late fee--even if you've sent you check early.

Every time you call for a credit increase because they don't automatically do it, they charge you a fee of $100 - for $100 increase - no more than that. When I signed up for this card, the fee was $69 back in 2007. Now, I have to pay $99. I didn't sign up for this, why should I have to pay $30 more a year for this? When you call and ask for a corporate number, there is no number. The customer service reps are rude. The corporate address is a PO Box that no one ever answers. Correspondence, I've written more than 10 times in the last year and no reply. The economy is bad enough as it is for us to be faced by companies like this that do whatever they want. I don't know if the Federal Government is at fault for this or not, but something needs to be done.

Credit One has been calling my phone at least 15 to 20 times a day regarding a late payment. I have not used this card in over a year and though I was late with one payment, this past month, and there is no need for it. I can no longer answer my phone. I had to put it on vibrate and it is causing emotional distress.

I recently opened an account The first statement I received had two payments due and a late fee attached. I called customer service, I was told nothing could be done. I asked to speak with a manager, I was told that if I made payment by phone then I could speak with a manager. I replied that what they had done was illegal. I was then forwarded to a person who claimed to be a manager. He said that if I made payment by phone he would remove the fee.

On October 09, I received a letter containing a PIN number from Credit One. I call them to see what was going on with this. I told them to cancel the card as I had not ordered one from them. About 2 weeks later I received a second notice from them that had a PIN number to activate the card. So I call them again and was to the account had been canceled and to ignore further mailings from them, but that it might take a month or so for mailings to stop.

Please disregard my first complaint. I made a mistake and entered Capital One instead of Credit One Bank. I am so sorry. Through correspondence, I received in the mail, I went online to apply for the pre-approved credit card they spoke of. I was approved for a credit line of $250.00. When I received the card in the mail, I called to activate it that day.

I have had some of the same trouble that others have had with this Credit One Bank. I have had an account with them since April of 2008. A MasterCard to be exact. They started me out with a $200 line of credit with a $69 annual fee charged at once to the account and $5.75 billed in monthly installments. I realized this when I applied and reluctantly accepted to help my credit. Back in July of 2009, I reported my card as lost and got a new one. Much to my surprise, the fee that was $5.75 per month has now become $6.50 per month from 7/09 to 12/09 and then all of a sudden, $8.25 a month since Jan 2010. My mouth about dropped, I wasn't notified about any fee increase that I can remember. I didn't receive anything in the mail from them, I have for my other creditors but not Credit One. They have some nerve.

Credit One Bank approved me back in August. Now some secrets, they do charge a lot of fees but to save yourself some extra money open a Bank Of America account online. It's free, okay, don't utilize this account for nothing more than their bill pay service which right now they're offering $35 to use. Anyway Bank Of America is the only bank I know that has the bill pay for Credit One Bank electronically and it's free. Trust me, I have been using it and haven't paid a stupid $7.95 fee debit card or $9.95 ACH. The payment clears the next day!

Our hours at work were cut severely and our business is struggling, so we called credit one to ask if they have a plan that would put us on hold and just let us pay the principle down[we have done this with our sears master cards]. They were very rude and told us they would not tell us of any plans until we had lost the use of our card. We have always paid on time and would not ask if we knew we would be able to come up with the money. Then we asked to speak with collections. They said no because we were not in collections, then we asked to speak with a supervisor which we were told no.

I have had a Credit One Bank card for one year. I always pay on time and have never ever been late. I have had perfect payment history. Their card started out with a $69 annual fee (billed at $5.75 a month) and a $200 credit limit. They generally charge fees to pay online and do not allow banks to use free electronic transfer, so I mail it in or have the bank automail to their address.

I was over my limit by $20 and I didn't make a payment in May, June, and July due to financial difficulty. They accessed charges at $291 for over the limit and late fees. They charged $29.95 for late fee and $29.95 for over the limit, which makes it $58, and when I made a payment of $60 on August 31, 2009, they want me to make an additional payment of $80 by Sept. 7th or I will access another charge of $58 and will bring the balance back over $800. And the minimum they would allow is the $80. I don't have that. I told them that I would make another payment by Oct. 7th and they stated that the balance would go back up $58 for the payment of Sept. 7th. I need help with this.

This is concerning a credit card. I pay my card on time, and more than minimum every month. I had two more payments to pay off balance. I got rewarded for this with a 6% rise in interest rate. Then, in July 2009, I sent payment of $100. I started to get harassing phone calls all hours and days from them. When I got my August 2009 statement, it states that I paid $1 in July. I called them and said that they entered the wrong amount. Nothing they could do was their response. I got them to remove $35 late fee, but now, I have a higher balance and three months to pay off the balance instead of two. I believe that they did this purposefully to keep me from paying the balance off.

This bank continues to call my phone at all times of the day seven days a week. I have never had contact or done business with this bank. They appear to be picking random phone numbers to harass. If you type their phone number, 866-372-2508, into the computer, you'll find hundreds of complaints about this company from people like me who have never even heard of this bank until the harassing phone calls started. Only one time was a message sent to voice mail and it was some guy yelling and ranting and raving so much I couldn't even understand him. I doubt that anything can be done, but this company should be put out of business. No consequences other than harassment for no reason.

When I first got this card, I had to pay a very large fee. When that was paid off, they said they would send a report to the 3 credit ratings to let them know I had been making payments on time and my credit score would go up. This never happened. Then I put insurance on the card in case I wasn't able to work. Then in October 2008, I found out I had cancer and needed to be off working starting in January 2009.

I'm a disabled person and only have this credit card limit of $200. My ex-husband, after 17 years, knows about my accident and 2 brain operations, and calls me and asks me where he can send money for his son and me. The only card I have was this and I gave him the number. He made a transaction of $5,000 on December 4. Since this time, my life was in all day stress. I opened an account in Regions Bank for that. People make a transaction of the money that was like in credit. This was one week ago. Until now, they have not made any transaction. Yesterday, I received a letter that said "Call urgent." So when I called, they said that the card made by the manager of the bank was not valid, so they were thinking of closing my account. Is this legal? Why did they steal my money and my son's money? I think this Christmas is going to be the best after a long time, but for these persons, it will be the worst. Please help me. I know I'm right.

On August 4, 2008, I was contacted by the credit card company to pay off a credit card which I had that was over the limit. The current Balance at the time was about $550.00. The representative I spoke with was Bell. We came to an agreement that if we paid $370.00 at that time, the credit card would be cleared. She said that she was waiving a total of 6 fees that included 3 late payment charges, and 3 over the credit limit fees, since my card was is in good standing before I had some financial difficutlies.

I wrote to the credit card company to cancel my card as was what was on the back of the bill I received and sent to the appropriate address since you could not send it in with your bill. This was in April 2008, I am still receiving a bill for the annual fee, which according to the reverse side of the bill you could cancel. I waited until the July Bill (the card was paid off in June) and was suprised to see a balance for the annual fee on it and it was due 8/3/08.

I have had a few occasions where I needed to talk to their customer service reps and they have been rude and inconsiderate of my situation. I've even noticed that when it comes to questions regarding billing and payments or FEES...They laugh into the phone with a chuckle or sigh as if they are making me some kind of private inside joke. I'm sure I make more per hour than any of them will ever acheive in their careers yet they make their so-called Customers feel like we are way beneath their time and trouble when we call for assistance with our cards. They are ruining our scores and making us pay them to get richer.

I was looking at my bill and i noticed the statement closing date is on july 3, 2008 I recieved my bill on July 11,2008 and the payment date is on July 28,2008. This only gives me 17 days to pay the bill. Isn't there a 28 day payment cycle.

I moved in Feb 07--in Oct 07 I received a statement and realized I had missed a payment. I paid my account up to date and asked that my address be changed and also my phone number. They only changed my phone number. Last week I was contacted telling me that my account was past due. They could not really explain to me why. I asked that a supervisor call me. This evening I was contacted again and asked for a supervisor as again they were telling me I was past due and going over limit. I have not used the credit card in over a year. I paid it up to date and have bank records that I have paid, however I was told that the collections part of the company did not have records that I had. I again asked to speak to supervisor and could not convince the representative to transfer, I told her to shut up and to have someone call within 30 minutes.

ok i got this credit card limit of 200 dollars of my 2007 it is n ow february 2008 and they keep charging fees after fees, and they are scaming me out of my money as a result i cannot get approved for any kind of other credit card and i want to be through with them

This is a credit card, who has charged me exhorbidant fees since I opened the account. It seems every time I pay them, there is a charge for paying them. When I don't pay them, they charge the most brutal interest, and harass me on a level that interferes with my personal and professional life. My account is closed, but they are still charging the highest possible interest rates they can.

Credit One Bank is HORRIBLE! I closed my card with them because the interest rate was TOO high (23.9%). After closing the account I see beginning August 07 my interest rate went to 34%, Sept 36.54%, Oct. 39.95%; Nov. 42.89% and December a WHOPPING 51.5%!! Can you believe and I have NEVER been late on this card or any other!! Beware anyone wanting to get a card from them..

My 18 year old son was solicited for a student credit card from Credit One Bank, with a $200 credit limit. He applied for the card and received a bill for 74.75, a $69 enrollment fee and $5.75 for a prorated annual fee of $69. He called to cancel the card and they said, very rudely, that he had to pay the fees because he used the card once before he got this bill. (This charge was not on the bill.) He sent a letter contesting the charges and we haven't heard from Credit One Bank since then.

Was going to be a little late with payment. Trying to let them know but there was no email where they would accept incoming email and no phone number. The only address was the one where you're only suppose to send payments. I'm getting ready to send the payment but have been harrassed constantly with phone calls. Even tho it's been explained to one person, I still get phone calls and some are nothing more than a recording and some are coming at 11:30 at night. I've tried to let them know but they fel if they bully they can get me to pay faster that this Thursday.

I had recently changed employers, going from a weekly paycheck to a monthly paycheck. Coming into the new employer at the end of the pay period, my first check was nearly nothing. So I had to work a full month to get my first real full paycheck. I suspected this would cause problems making credit payments on time, so as most creditors say to do, I contacted them to discuss my need for a late payment.