Credit One Bank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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