Credit One Bank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.