Credit One Bank Reviews

Credit one uses all the usual methods to generate fees. Takes at least a week to post your payment, so you pay off your entire balance 2 weeks early to avoid late fees, but they wait until the last week of the month to post some transactions. Those come in after your payment so you really didn't pay the "total" monthly balance and they charge you the 30% interest on them. Also the website is often hard to access. (Not to mention the annoying credit card application page that always comes up when you sign in. Excuse me I already have a card.)

To be fair, the COB offers credit to people with less than perfect credit to give a chance to rebuild and improve their credit. This is why I applied and received the Credit One Bank card. I did not notice the Annual Fee charge when I applied, but paid the fee as I wasn't sure I might have missed the fine print. Now I see I'm being charged eight dollars and some odd cents every month and I no longer use the card as I now have several and have built my credit up. My issue was when I decided to cancel the card because I do not want to pay the monthly (Annual) fee. All their posted numbers except one, to add protection plan, is automated and there are no choices to cancel the card. Credit Protection could not help me. I finally found a number on my Experian Credit Report for Credit One Bank and was able to cancel after turning down their offer to waive the monthly fee for three months. The number for Credit One Bank to speak to an actual person is (702) 269-1000.

I signed up for this account, as I wanted to give my son (who is 18, and just building his credit) a card with a low limit. I was granted an account with a $300 limit, which I thought would be perfect. First, they charge a yearly fee, which is immediately billed to your account, upon opening. Fine - except that they didn't actually send me a card for over thirty days! So, by the time I even received my card in the mail, the account was past-due, and had late fees billed on a $99 balance.

I applied for a creditOne Bank card in September, received my card in October. Called a week later to activate the card, signed up on their website within 10minutes of activation to find that I had a $100 balance due on the account. I called the 800# provided and spoke with a rep by the name of John. I asked why I had a balance when I just literally activated the card within a 10minute time frame. I was advised that they immediately apply $75 to the account when the card is processed for an annual fee and because I haven't paid it yet they applied $25 late fee. I just activated the card and already I have $100 charge and late fee!! What a scam!!! Had I known upfront that I would have been charged $75 just for applying I would have never done it! I have filed a complaint with the BBB, which probably will not amount to anything. My only choice at this time is to pay the $100 just to have a card sent to my house and cancel the card. This is a total rip off.

I ordered a card online and after reading the agreement decided not to activate it. One Month later I get a Bill for the membership fee 75$ plus interest. When I called card support there was no option to speak to a real person. Issue unresolved as of yet.

Applied for credit card, received it used it, then never received billing statement until 9 days after Bill was due. Called to ask when was the statement sent, got no answer. I paid 80% of my bill more than the minimum, and I get a phone call threatening to take my account to collections. The service reps were extremely rude and very unhelpful in any capacity, do not use this company.

I see by reading the disclosure the firm must have the best lawyers. You get UP TO 1500 but most people probably get 300 dollars for a $75 annual fee that goes up to $99. They write in their form letter that you are a perfect match for their credit. Well they think a friend of mine is the perfect sucker for their card as my friends poor credit is what they want. This is a scam that baits one. You can be pre approved which is meaningless. No one answers their phones. And fine print says they can change your eligibility... Just recordings if you have a problem. Stay away!

A couple of weeks ago I went to use the card in order to pay my electric bill and didn't go through. I knew I was nowhere close to my limit so I tried again with the same result. Yesterday I went to the laundromat since their machines accept credit cards. I swiped the card and got an "invalid card" message, so I called them to discuss the problem. They told me they had no record of a declined card or any other sort of message and asked how I was using the card. I told them I've typed in the number and swiped. The person I was speaking to said maybe I typed it in wrong, to which I said "that's why I tried it twice." She said she could send me another card to which I said "why would you send me another card with the same number if the current one didn't work even typing it in." I swear I had to say it more than 3 times to her.

I have been trying to cancel the card and they don't make it easy. I went to their site where I clicked on remember password because I have short term memory loss. Well when I clicked on forgot password, they said that they would send an email so I could go to my password hint. Well I did this twice and never got an email. I intended to use this card to help rebuild my credit. Now it seems that I have given my social security number to untrustworthy people who are no more than parasites and scam artists. Instead helping me they are further destroying my credit by creating a bill that I have gotten nothing for. I want to cancel the card but I don't even have a phone number where I can speak with an actual person. Please help. I am a senior on a fixed income and planned to use this card sparingly. I just want to get rid of this card and the trumped up bill they have given me with nothing to show for it. Thank you.

I just applied for a credit card at "Capital One" services. I received an email stating that I was approved. Today, about 3 weeks after being approved I received a letter from a "Credit One" not Capital One, stating they need a COPY of my driver’s license, W-2's, AND SS card??? I have never had to do this before... I smell SCAM!!! This is NOT Capital One correct? Just with this company wanting all of this personal info really has me scared!! Someone could steal my ID immediately with all of that info in their hands. I am not responding to this correct?

My now husband received an offer from CreditOne shortly after filing bankruptcy, and figured he would apply "just to see" and was approved for I believe a $300 limit, with a 29.9% interest rate, and I don't recall the annual fee, but I'm pretty sure it wasn't $75.00. I'm reading the reviews on this board and wondering if it's even the same company that we dealt with! We never had any of the issues mentioned with customer service or being declined, and when he called to cancel (Capital One had sent him an offer with a much interest rate, right at the same time we'd paid CreditOne off), he explained this as his reason, and they offered to decrease the rate. He simply explained that he didn't want to risk getting in over his head with credit cards, but would keep them in mind for down the road.

I called told them to cancel and they dropped call. I called back and the amazingly offices were closed.

Let me start off by saying I did not look up reviews on this credit card before activating it. I see that that was a HUGE mistake. I also should say that how this happened could possibly be part my own fault since I did not read everything in the disclosure as well as I should have. With that being said though, I just got this card about a month and a half ago. My bill was due 2 days ago, on the 10th. I only used the card twice, aside from being charged the ridiculous annual fee of $75, which I was not aware of, from lack of reading thoroughly I suppose. My credit limit is low, only $300, which I thought was a good start since this was my first credit card, aside from store cards.

I am a new customer. I did receive a credit card from credit one. I had missed a payments. Now, I am being harassed on a daily with the phone calls. One time I had answered the lady, told me to ask someone for the money. I was mad. Now, my credit score is messed up.

Where do I start... I had a kitchen fire 18 months ago. Completely forgot to pay my bill. They called my place of employment and tried to start wage garnishment for a balance of $300 when it was 2 days late. I called and had to pay a late fee of $30, plus the payment. Yesterday.. I paid a $1000 on my balance so I can rent a truck tomorrow to move out of state. I went to pay for the truck and there is a five day hold on my payment?!? The money is out of my checking account... where is my credit?!? I called to inquire about this and the lovely Indian woman told me that if I had made an express payment for $9 more it would have been available immediately. I told her she took my money immediately and it would only be fair if her company could give me the credit I just paid off. Nothing she could do.

After reading the reviews I can't really add much more than my story as most sound similar. My Husband and I both have/had an account with COB. I recently closed mine because they refused to change my last name (we have been married for almost 2 yrs now), too high of an interest rate for my credit (I got it over 3 years ago to rebuild my credit - I have never missed a payment and my credit has gone up over 700 so I have better cards now), and because even though I paid the card off they still charge you the "monthly" "annual fee" of $8 and change. They gave me hell trying to close it but finally did it.

They give you everything upfront. Nothing is hidden. I used their card to help repair my credit score. After a lot of work...530 now an 813... in 5 years. Stop making excuses. They offer a product to people who normally can't get it. Follow the rules. They will also up your credit line once they feel you are reliable.

I have been with credit one bank for a number of years and the customer service is horrible. One, everyone speaks very little English, you must ask to repeat and on and on. You can stay on the phone for over 1/2 an hour to say the least. As a senior citizen living on a fixed income, my bill has come to $1100... every time I sent a payment before due date, I am charged a late fee but how can that be? for example: payment not due until 10/1 but payment made and logged in 9/21? I am constantly charged late fees... I will never be able to pay this off but I am going to send only the regular payment due... then I will default the late fees and they will have to eat it as this is an illegal rip off. DO NOT USE CREDIT ONE BANK CREDIT CARD.

I only got my card a few days ago. I went online right away and registered for the online account. I was aware of the $75 yearly charge. It did state that on the application. I also took the standard card because it also did say the charge was $6.95 for a custom card. It did ask me if I wanted a second card? I declined. So setting up my online account there was as I thought, $225.00 available on my card. HUH! I tried to use it at Walmart. Sale was $55.05. It was declined twice.

Signed up for the card, which I did read completely over the entire terms that were sent. I knew about the $75 fee being upfront and all that; however, I originally thought they were Capital One. I mean, look at their logo. Credit One/Capital One... Same exact logo design. How could I not be confused? Anyway, I went ahead and signed up anyways, figured, why not? Also noticed the terms on the mailing (and within the cardholder agreement) stated one would be waived the annual fees if they did not use the card AND did not make a payment. Not 'OR' but 'AND'. Very very very misleading.

I had some breaches on my account causing me to have my payments already made online returned. Then I had to stop my account at one point. Credit One will not let me make phone payments without making express payments which they charge for!!!!! They get enough in interest. Never had a card nor let me make phone payments for free!!! Each associate I talk to has a different answer and they all have heavy accents!!!!

Unfortunately, due to circumstances, I have been a customer of Credit One Bank for just about a year now. Whenever I've had an issue I would, of course, call to attempt to get it resolved. What a crock! The only call centers available are either in India or the Philippines. Aside from being so very difficult to understand, they are not at all helpful. Whatever the issue may be, all they do is repeat and repeat and repeat and repeat again whatever it is they use to disparage your complaint.

This company preys on the credit disabled. Can you believe that after owning this card for almost 2 yrs and never a late payment, they sold me a credit increase of $150 for a fee? The customer service is also terrible. I'm so sorry that I ever, ever got this credit card. Do not recommend. I can't wait to pay off the $650.00 I owe them. Then I will burn the card.

When you want to pay back your bill COB makes it difficult for the disabled and anyone else. They do not offer a way to pay with your account by phone or automation. They tell you to pay online not everyone has a computer or can they wait 7 day for it to be mailed and be charged late fee. Many people don't have a computer to pay without being charged. They don't want you to pay the money back because they get more money on late fees and express payment fee. If you can't find or lose your card even stole 25.00 replacement card. They need to be sued and I would stand 1st in line if any lawyer would like to take the case and others like it. They have no help for the blind or seeing impaired. So besides the high interests to straighten out your credit you get charged in my case 7.00 for interests 3.00 credit card fee for insurance, 10.00 to make express payment and another 25.00 to send me out a card because mine is lost. They make it difficult to pay your bill back and charge late fee to boot if not paid on time without lenience they really have high tariffs. Group lawsuit or so but they really do consumers bad, take advantage, they want to clean up their credit and take the customer literally to the bank.

Last week I began receiving psycho calls from Credit One at 630 am, one call after the other. They were telling me that my payment was Late! Turns out they had sent me a $150 credit increase and had charged me $39 for the increase which I never authorized. Even if your balance is $0 every month you owe them $8.00 plus change! If your payment is past due ONE day they will blow up your phone day and night with harassing phone calls! Credit card is mostly declined everywhere. Don't get it!!

I was told that I could close the account for a settled amount and could call back to make that payment. When I called back, I was not able to get a person to help me with the settlement amount. I was transferred to outsourced operations SIX times between collections and customer service. I explained that Credit One Bank offered to settle with me for an amount less than due but no one could would address this issue. I explained that I could go through debt consolidation and that would offer less to close the account or they could accept my payment and close the account directly with me. Every transfer was worse than before, the outsourcing connection was horrible and hard to hear. The customer service personnel accent for English was very difficult to understand. I was not able to get any help at all.

The hold-time to speak with a representative is too damned long! It's my understanding that Credit One Bank offers 24/7 phone contact. At 5 a.m., gave up waiting for assistance after 12 mins. 2nd attempt at 7:45 a.m. was 23 mins. Gave up!

They changed their website and I couldn't get on to my account to pay my bill and every time I tried to login to change my password it asked for my credit card # but I don't have it because it has misplaced so in the meantime I call Credit One Bank and half of the people that work there I can't understand!!! I requested a new card a month ago but still haven't gotten it. Me personally think this Credit One Bank is a total rip off and they are out to scam a lot of people including myself. So I have been trying to close my account with this bank and they keep trying to talk me out of it and it pisses me off then I hang up. I can't deal with these IDIOTS anymore.

Credit One contacted me involving my wife's account. I asked them if I was on the account - they said "yes". They said I was an authorized user. The name was totally different from mine. I asked for her balance and her last time she used it and her account and they gave it to me. At that point I got furious because what happened to the privacy disclosure right.

I had this card for about 6 months. Made a lot of grocery and fuel purchases. Always made large payments. One day my card was denied. I called c/s and was told I was over limit. I looked at the online current charges and there were 6 fraudulent charges. I explained that to c/s and they agreed to investigate. I was sent a new card but was unable to use it as according to them, I was still over limit. The following month, the fraud charges were removed. After about 30 days, my card was denied again. I looked at my online statement and the fraud charges were back.

While updating my checking account information the incorrect number was added. I receive a letter that my account number was not located. I sign on to Credit One site made the correction and made a successful payment. Upon calling back, spoke with a rep. They refuse to allow me to speak with a manager or a person who could speak English. She was very rude! I called back today and the exact same thing happen. (This rep rushed me off the phone.) After speaking to the 3rd rep, she stated that the issue would be resolved, allow 72 hours (I could understand her).

Why would a bank only take 4 payments a month? I never heard of such a thing but the reason would be so that you get charged interest and late fees. I have a credit account I was trying to use for bills for my business and this has created a nightmare. I have to pay recurring payments using two accounts now. What a scam!!

I have been disconnected countless times. I called over 20 times trying to get them to attach my military orders. They have no clue what a POA is or military orders. I finally paid off account so I didn't have to deal with them. They are a very bad company to work with - not worth the headache

So I received a bill in the mail yesterday from Credit One. I was "given" a $400 credit line with them for which I DID NOT apply for. They immediately charged me $75.00 plus interest and I haven't even seen nor use their card. About to call them and give them a piece of my mind. Then will be calling the Attorney Generals office on them...F5

I tried to pay off a bill for someone, but they want MY bank information. I'm not willing to do that since their reputation is so poor. I am willing to transfer from my bank directly to the account, the same as I would pay any other bill, but they seem to be a bit behind the times and can only take debit card numbers. It's not bad enough that I can't understand anyone, they're also living in the stone age. Do business with them at your own peril.

I applied for a credit card after they sent me a credit application in the mail of a lower interest charge than other credit companies. I received a statement that charged me $45.00 and no credit card. I called them and they reissued me another card but then received a billing statement of a $25.00 late fee. I called them and stated I just got my bill. How can I be charged a late fee. I was told to make a payment over the phone right then and there and they would waive the late fee. I told them to email our conversation of waiving the fee then I would make the payment online. Not over the phone so I would have proof of the conversation. They stated if I did not make the payment right then and there they would still add on the late fee. I told them I will cut my credit card up and will not use them again. They told me they are going to still charge me the $25 late fee. They did not want to keep my business. So to others that read this: Do not trust Credit One. They are not truthful or honest.

Received my first statement with a late charge. Billing period on statement shows 8/15 to 9/14 so I called the customer service number listed on the statement. They told me that the bill was due 9/10. After questioning how that can be when the billing period ends on the 14th. All the rep would do was ask how I would like to make payment. After repeating myself several times I could not get an answer. I then hear a child in the background and ask where I'm calling. India. Probably to someone's home. Told him to cancel the card. He stated he couldn't and I would have to call customer service on Monday because they are closed. Funny thing...I had just called the customer service number and someone answered. Told him since he wouldn't cancel it that I want to report it lost. Still he told me he couldn't help me. I hung up...called the same number back...and guess what? The customer service department is closed. This is a complete scam!!!

I switched my account to billing by email. I went for months with no bill so I had to guess the amount due and billing date. It took forever for me to get someone who understood what the problem was. They had the correct email address. So I begged them to send me bills in the mail. I couldn't understand anyone I talked to. It was very frustrating. I am not sure if this problem is corrected or not.

I called to see if I can get some help so I can pay my bill on. The person who answered the phone was rude and she hung up on me.

I never received a pin for my card to use at the atm. When calling the company, they would say this really fast messages and hang up in my face. They would also say their system was down and to call back in an hour.

There are hidden fees of 75 that is nowhere on the application. When they send the card and you activate, you find out that there is already a balance of 75 on the card.. I began to use the card for a month and when the bill was due it slipped my mind and the next day, I get 3 missed calls from them. And when I finally answer I get harassed by a agent from another country telling me I need to pay my bill with debit card now. I ask to speak to manager immediately and tell him I want to cancel the card and pay off the balance. I was given a runaround and placed on hold for about 40 minutes. Finally I am able to pay off the balance and was passed to 2 other people to get card canceled. Their english is very bad and hard to understand. This company needs to be shut down.

Absolutely horrible customer service I have ever experienced in my life. If I could give them no stars I would. They are clearly operating from a third world country and have no clue how to conduct customer service AT ALL. I also had a situation where I PAID MY BILL through my checking account. My bank told me the payment cleared and Credit One never posted the payment to my account and told me they never received my payment!!! With a past due account now I try to rectify it and their systems conveniently shut down!!!

Every month I have trouble logging on to my account to pay my bill. Randomly my card stopped working and was declined yet there was still available credit. Communication is difficult due to the language differences when you call them. There is a charge for making an immediate payment.

I am very disappointed with credit one bank. I have had this account for a few years and have paid on time. Having this card has helped me to rebuild my credit, but at a cost. They charge you for a credit line increase, their interest rate is very high as well as even if you want to change the design on your card, they will charge you. My banking institution made a mistake with my payment this month and paid twice, even though I had authorized only one payment. When I informed them of this they rectified the problem and refunded the duplicate payment, but a few days later I found out the refund was from the payment I had made to credit one bank. Therefore, it looks like I had not made my monthly payment, when in fact I had.

I too was building credit with this card. I read the reviews and understood that some people had difficulty with the customer service when terminating the account. I always have positive experiences with customer service dept. and 800 numbers so I was not worried. The stories are all true! I wanted to call the police. I felt like a hostage with this company. After a year with a fine experience building credit. I stopped using the card had a 0 balance. Then I was being charged monthly fees even though I was not using the card, I wanted to cancel it. They truly hung up on me dozens of times when I asked to terminate my account. I had countless names of people I had spoken to through this process. On one number my call was blocked! I had to use a different 800 number to get to someone. I was in tears by the end of it. It cannot be legal to cancel a person’s account when asked. I finally got a termination # in June 2014. I just checked my account online (Sept. 2014) - it is still OPEN! This company will hold you hostage. Seriously it is not worth this gripe I am going through. If you do this you will experience it as well.

I received an offer in the mail, applied for the card and was approved for $1000.00 CL with a $45.00 annual fee. It took me two weeks to get the card. Once I received it I paid the annual fees and my account went back to $1000.00 CL within five days. However, I will only use this card for small purchases and pay in full ASAP. I have to say this has been an ok card so far, at least I was given $1000.00 CL from the very start. My CS wasn't that bad. I started out with a 669 and a month later I am at 700 with Transunion. My credit wasn't bad to start with - just had a lot of inquiries, but after two years the inquiries drops off. Hope this help. Excited about applying for another card in the months to come. FYI: With this card you have to pay your bill at least ten days in advance for it to be on time and not late.

Every time you call there's someone from another country talking to you. And it takes them too long to get to what they are calling you about. Their interest rate is way too high with the economy.

To start, we applied for this card and were approved. We never received an actual working credit card, but I know that closing open accounts has a negative effect on your credit, so my husband and I paid the annual fee via check, and left the account open. A year later we receive a bill for $60. I call and they immediately demand $104. I told them that seemed completely ridiculous for an account that we never even used or had an actual card for. On August 4 while on the phone with them it was resolved that I only owed them $30. I agreed to pay this amount under the stipulation that this account would also be completely closed. I confirmed this with them 3 times, that this $30 payment would completely resolve any obligation to them, and they would close the account. Then received another bill from them.

I was trying to rebuild credit after nasty divorce. They deceptively use a logo much like Capital One. I WAS happy with the company, but as time went by they began to decline charges. They would not let me use it at Wal-Mart, and Home Depot, which is where I mainly shop. I kept mostly a zero balance and was never late with a payment. Customer support told me that both businesses has "suspicious activities" and would not allow me to use the card, but I was free try another store. When I asked what stores I was permitted to use the card they said they couldn't tell me that. I attempted to close my account 3 times before it worked. When I called the 4th time, they took my final payment with my debit card and then promptly hung up before I could get any kind of confirmation. I believe I should be able to use MY money where I choose, especially at big name merchants. I strongly recommend you avoid this card company.

I read some post and they are crazy. First off you have a choice. I've been using Credit One for 1 yr, I never had a problem. All you need to do is pay the balance off at the end of the month. That's what I do. I don't like the $9.95 fee at all. That's why I didn't give them 5 stars. I always say if you don't like something, stay away from it. If you don't like it, cancel the card.

I had online access to my account with CreditOne Bank. One day it just stopped working for no reason. I tried to change my username and password and I kept getting the same screen where my credit card info was highlighted in red and never let me beyond that point. I kept calling customer service for 3 WEEKS!!! NOTHING was ever resolved. I was told that a supervisor will call me - they did - NOTHING was resolved. Last time a supervisor called me, he left a message to call him back - no number. I dialed the number that the call came from and it was a private number!!! How sketchy is that!!!! It has been 3 WEEKS and I still DON'T have access to my account and NOBODY from Credit One Bank has bothered to resolve the issue. I will pay my balance off and will NEVER ever have anything to do with Credit One Bank - WORST ever experience!!!

I have had 3 different credit cards issued by Credit One Bank. All of them have had someone from another state change my address to theirs and taken my name and my ss#. I did file a theft report with local police and it happened again. Someone requested a second card and again changed my address so I did not receive any bills. Then they paid on card and because I filed police report, the money that they paid with was returned to them leaving me with account that was maxed and then when the third card came 2 months later, it was paid off. Then the check they used to pay was returned and the bank closed account so I called to see why and was asked my phone number and address which again was changed to another state and I had to almost beg the person from Credit One to put my card as stolen even though bank closed it and I asked why and was told I would receive letter. And I asked, "How will I receive when you do not have my correct address and have not been notified about any of this the problem?" If they use your ss# to ask for your info not card # so whoever this is has my ss# as well and keeps doing this.

Received card 2 weeks ago, used 25 dollars. With their 75 dollar fee it should be 100 that I owe but it says 95, minimum pay 25. Went to pay all of it, used a debit card. Put info in it, it goes blank. Very concerned. Can they strip clean a bank account of another bank?

I had sent a payment (money order) in the mail on a Monday and the money order was dated way before my due date and the company called me the morning before due date (Friday) asking me if I could make a payment over the phone with a small charge that would apply. I told them no! The money order had to be in the mail office - make someone go down and check. I spoke to 6 different people for 2 days trying to get someone to check on my payment and they all kept saying my payment has not arrived and the system will apply a late fee & that if I made a payment then that day they would not charge me a fee to do it over the phone. I told them all I wasn't making a double payment. I have paid this account off 4 times in less than a 1 year & I'm in good standing with their company.

No consequences on my end, just very irritated and if I knew I was going to have to go down to the social security office I thought I try and well now I have to go through taking time from work to go get what is needed to have your credit card that has 300 - well less because of your fee you charge to have this credit card. I rather not. I guess you could have your damn credit card because I got no time to do as you ask to get $300. Thanks but no thanks. This card is a waste of time. DON'T DO IT.

I got this card from credit Karma like many others who have reviewed. The difference is I read the fine print and I knew what I was getting before I activated the card. You have about 21 days after you receive the card to decide whether or not to activate the card. You will receive a statement BUT if you have not activated the card, you DO NOT OWE the $ and you disregard the statement they will close your account as I almost did.

Don't get the card. If you lose it you have to pay $25 to replace it, and then you can pay your bill without having to pay a nine dollar service fee. The last piece I have to offer is I paid off my credit card because I was sick of their BS and all the service people are overseas. I told the lady I want my balance paid in full, instead they left $3 in change on my account while paying over $95. Really, don't ever do business or work for a company that exports their people.

For the last two months I have been having trouble making my payments on their website. I pay usually on the 3rd when my bill is due. Last month and this month I was having trouble paying on the 3rd. Well when I try again after the 3rd, I have no trouble. Then I am slapped with a late fee..last month and this month. They charged me $75. I have tried to contact them to no avail. They don't even have a email to write them. Very upset.

I read about 10 reviews regarding Credit One Bank on this site. I applied for a card 2 weeks ago. I decided based upon what I have read ($75 annual fee, harassing calls even when the bill isn't due yet, etc.) to cancel my application. They would not give me a confirmation at all regarding this cancellation. I spoke with Yoona. But she did state that they had not sent out the card (Thank God!) and that the application was cancelled effective immediately. Whew! That was a close one! Thanks to all of you who posted your experiences while dealing with this company. You saved me countless hours of headaches and frustration. I work hard for my money and am very careful about who I share it with.

I notified the customer service agent who called of my plans to make the minimum payment on the 15th of the month, before my due date. The agent then quoted an amount that was higher than what was showing on their website. When asked to explain the discrepancy, she said it was due to the fact of accumulating interest charges. She then said she was going to submit a payment anyway. I told her I would not authorize such a payment. I had to explain several times that I would make a payment on the 15th of the month when I got paid again. Today, they called again, wanting a payment. The initial agent with whom I spoke transferred me to her supervisor. He was upset that I hadn't honored my promise to make a payment on the 27th of the previous month. I explained to him that on that date I made a promise to make the minimum payment on the 15th. He kept talking over me and basically tried to harass me into making a payment. Bottom line, very crappy service. Avoid them if you can!!

I recently went to Houston on a trip and took one recently received credit card with me. I used it twice and then it was declined.. I couldn't imagine how could a new card card be declined. I talked to a rep and was told it was because I had not paid a bill so there was a late fee and a $75 fee for using the card. Well I never did receive a bill and did not know you had to pay the fee up front. The $25 fee was waived but now I was in Houston without a credit card. After reading reviews, I see this is a common practice, no first bills and then a late fee and the $75 charge. Now there is $100 charges on the 1st bill you receive. I closed the account, needless to say!!!!!!!

I received my card back in June - I believe it was within 3 weeks they had frozen my card for non-payment of bill and been getting harassing phone calls from them even when the bank is closed based on the hours posted on a letter I received. And even received calls from them on Holiday when every bank I know of even my own that is open when most others are closed was closed. I have spoken to a Magistrate and he informed me He doubts that they are a legitimate bank and seem to be operating more like a loan shark.

My husband and I have a credit one joint credit card. Our payment is due and I didn't get paid until 2 days after payment is due. They started calling at 8 am the next day. My husband talked with them and they wanted him to do a 3 way call with me to get the bill paid. He told them no, that we would do the payment online later today. Apparently that wasn't good enough and they asked him to have a coworker give them their bank account information and my husband to pay them back with cash. I can't help but think that this is illegal. Of course my husband told them no. He is self employed so there isn't any coworkers. But if there was it still wouldn't have happened. You can barely understand these representatives when they call in the first place. I am so sick of this card and can't wait until we have the money to just pay them off and cut the cards up!!!

After reading how my using Credit One could improve my credit score, I opened an account. In May, I was a day late and was charged $35.00 late fee. My phone rang off the hook after that, insisting I make a payment. Every day for two weeks. I suggested that the late charge was taken, and could not understand why after I was charged, they did not wait til the next month before they blew up my phone. English was apparently not their first language, as we tossed this idea back and forth. We need a class action suit against them. My score dropped from 573 to 530, They showed me, impeding my growth to a better score. It drops now every month.

I paid off the balance on 8/21 as I wanted to close the account because they charge a fee. On 8/25 There was a 7.03 interest charge. I called to find out why and was told that the balance shown online was not the actual balance. So I said "ok, I want to pay the 7.03 and close the account." After trying to lower my interest rate and waive the 7.03, which I did not agree to, he charged me an additional fee of 9.95 to close the account and pay it off period. It was worth the 16.99 not to have to deal with these people anymore. They are a big ripoff.

Their credit card is more for people with no credit, but they approve just about anyone with bad credit too. I had their credit card back in 200.. something, I used the card for many years. It was expensive but I had no complaints until I missed a payment one month. I paid the card off in full and then I went traveling abroad. I forgot that they were charging me month to month yearly. Well, I didn't pay the 1st month and I didn't realize it until I looked at my credit report.... I check it nearly daily and it was 32 days late from the only charge was the monthly balance. I called them up immediately and rectified my oversight. So now on the 45th day they refuse to remove the late charge from my credit reports. Pathetic business practices.

I opened this Credit Card because I use a vendor out of Canada for business. My personal debit card does not allow out of the country transactions. For the first year all was fine. Starting in June 2014 Credit One started to block the vendor. The vendor doesn't have this problem with any other VISA cards. I contacted Credit One and they used the excuse that it was to protect me from unauthorized use. I explained that I had been doing business with this company since 2011 and they should flag my account to always allow this vendor to apply charges to my card. After being on hold forever and speaking with a supervisor I was told they were sorry for the inconvenience and that there would not be a problem again. Well guess what? In July I again had to call and go through the drill again. Again being told by a supervisor that the account had been flagged and there would not be a problem again. Lied to again!!!!!

I was late because I pay from my checking account/debit card and there was a mistake. Anyway I was behind $50.00, paid $75.00 and that would have made my available credit $25.00. They took the $75.00 and also their credit score reporting is inaccurate. Their record of my score is 35 points lower than other. And I hope Capital One sues them for logo rip off. I am canceling after I pay in full.

My account was reported 60 days late and I always sent in what was on my statement. I received harassing calls for payments and they wanted $9.95 to take a payment I already made. I could not understand the reps as all these calls are serviced overseas. They acknowledged I made the payments but it said it wasn't enough even though I paid what was on my statement. This company seems to be set up to generate late fees and over limit fees. Supervisors keep saying they understand but will do nothing to help. I filed with the BBB as well.

Less than 24 hrs after I opened an account with Credit One, they had already billed me $100. So my immediate available credit dropped $100 before I even used the card... $75 annual fee plus a $25 late fee... ha ha ha ha... Wow. I spoke with a representative, and then a supervisor and then the manager. No one could really help. They did eventually remove the $25 late fee. I asked for the $75 to be put on my first bill. They stated no; it would be taken immediately (before I get my first bill!!!!). Will be canceling the card next month after my first bill. NOT WORTH IT!!!!

I took a chance with Credit One, didn't know too much about it. I just knew I could help myself rebuild my credit, because it certainly isn't great. Little did I know what I was getting into. I was hassled on the phone as to what payment I should make towards my account by men who could NOT speak English! I have not been late paying but my account seems to remain almost unchanged. Plus, there are fees to make a payment??!! Are they serious???? Just crazy! More trouble than it’s worth. Do not get this card! A ripoff! I am paying this card off ASAP!!!

I opened up a card with Credit One Bank to rebuild my credit and I was late with my first payment due to a pay date change at work. It wasn't even 5 days late when the calls started coming every hour every day. I have had every credit card you can think of and this has never happened. I called to let them know when to expect the payment and they insisted I pay more than what was due... right then. I explained again that I hadn't been paid and was still told I needed to pay now. They transferred me to a supervisor whom I ended up cursing out. I have blocked about 10 numbers of theirs because they call so much. I told them that I would pay them when they stopped harassing me. It's ridiculous! I propose that we start a CLASS ACTION SUIT FOR HARASSMENT!!!

Someone used my credit one bank card to purchase items on PLAYERSAUCTION.COM. 45 transacted, then $180, then .45 cents, then $114.99, all within 24 hours! Capitol One Bank always has let me know when something looks fishy, not this fly by night outfit Credit One! The Credit One Bank people said it would take them 3 to 6 months to see if I made the purchases or someone else! Before they would issue a refund! I want my money back now!

Out of pure desperation, during a rough financial patch, my husband and I decided to apply for a Credit One Bank card. It was the worst decision we could have made. Since we've had the accounts, we have experienced nothing but extremely poor customer service, outrageous fees, and harassment. In addition to that, my husband was recently informed that Credit One has NOT MADE A SINGLE UPDATE ON MY CREDIT SINCE FEBRUARY 2014. When I called to close the account, I questioned why no reports or updates have been made. The supervisor, Nancy, told me that she doesn't have an answer for me because another department handles credit information. I then asked to be transferred to that department and was told that department doesn't take customer calls - HMM, WONDER WHY. I was told a request has been submitted to this mysterious credit department and I would receive a call within 48 hours to discuss why not a single report has been made. I'm so relieved to have finally closed this account. Hands down the worst bank EVER and I would advise anyone thinking about opening an account with them to reconsider.

THIS IS BY FAR THE WORST COMPANY I HAVE EVER DEALT WITH!! I have almost ten credit cards, and three different bank accounts and I have never had such terrible customer service in my life. First, none of the representatives can clearly speak English. I have been yelled at, and even hung up on by a supervisor! I had scheduled a payment arrangement for a late payment. Mind you it was my first late payment since I had the card and it had been late because I had to close my bank accounts due to identity theft. After letting them know this, it took about 6 different phone calls until I was finally able to get a supervisor to waive the late fee and it was only because the previous supervisor had told me "that's not my problem and we cant help you," *click* and he hung up on me. After calling and hanging up on every representative that would not listen to me and was rude I finally got someone to listen to what I was saying instead of over talking me constantly and just demanding money.

Like many others, I also got taken by this scheme. Was pre-approved with a $1500 limit but when I got the card it had a $1000 limit. Thought ok, that's cool. Had their card for maybe 2 weeks and only charged $25 on it in total. Got a call one morning saying that I hadn't made a payment yet and that I was late by 3 days. Told the 4 different supervisors that I haven't even received a statement yet. All I got from them was that I had to have and that I was wrong. Went down to the bank after feeling pressured and put $50 in my acct and called them back and made a $45 payment over the phone and was told that by doing it this way would incur the $9 fee. I flat out told them that I wasn't going to pay that and they lowered it to $4.95. Then checked this bank online and was shocked to read all of us complaining about the way they treat people and the way they do business. Then the next day I got my first statement and was shocked to see a prior balance!! I had the card 2 weeks! Fed up, went back to bank put in balance of statement and called to close out the acct. They wouldn't let me and actually got hung up on.

I made a online payment to post 3 days before due date and the payment was returned on my due date unknown to my knowledge and charges me late fee of $25.00 - I don't even know why the payment was returned in the first place! I only knew this 2 days after my due date and I checked my bank account and I saw the payment had not been extracted from my account. It's Saturday night and I tried calling them but of course no live customer service but the automated service states payment posted on the 12th then payment returned on 15th (my due date is the 15th) and yes, I have money in bank to cover payment.. No reason why payment was returned! No courtesy email or call - just returns payment on my due date and charges me late fee.

I have had a Credit One account for several years. Foolish me! I have paid it off several times only to use it again. They are the ONLY company that charges a fee at least of the 10 creditors that I deal with to pay your payment over the phone. (Free if you pay online.) I have always kept my account in good standing. Maybe the balance was high, however I paid it on time. I have been very ill and unable to make this payment and I tried to call them and let them know. I was on hold 25 minutes. Nurses running in and out of the room. Once I got home, I could not log into my account. I was 10 days late at this time and need to pay $60.00. So I called the company at the number on the website (24 hours a day), they were closed. The next morning a very RUDE man with an India thick accent told me my account balance was $$$ and I BETTER pay right NOW. I said "Excuse me, I do not know who you are, but you do not disrespect me. There is a reason my usual promptness has not been met this month and you will NOT talk to me like that."

I was approved for a $300 limit. When I received the card, all $300 was available so I used it. The next day, a $75 charge appeared. Granted that did upset me. But that wasn't my problem. When I made a regular FREE payment from my checking account, days passed & the payment was never debited. A week later, I logged on to the card website to see that the payment was reversed. I couldn't believe it. I called customer service (out of the country) to find out what happened. When I went over my bank account information, they claimed that I accidentally added an extra zero on the end of my checking account. Twice.

I recently lost my job and unable to make my payment on time. The very next day a lady calls demanding a 50.00 payment instead of 25.00. The conversation didn't go well! So I blocked the number to go straight to my voice mail. Well, now they are calling me from different states everyday and they call 10 times a day - no joke! I worked for a collection agency and yeah I know my payment is late but this is harassment.

They lock me out so they can charge me a late fee and then when you call over the phone, they try to charge a nine dollar fee just for talking to them so I was wondering why will they lock you out for being 3 days late.

I applied for their credit card, received it, and found I was charged a $75 annual fee, which they did not disclose on the application, plus $6.95 for the card design, then thinking I did not have a balance. I was out of town when the card came in and found I was charged a $25 late fee on top of the other charges, and I HAVE NOT EVEN USED THE CARD. I am so disappointed with this company. I advise NO ONE to apply for this card. They will not refund any of the monies I have paid for a card I have not used. It should be against the law, and on top of everything else, their annual rate is 23.90. BAD CHOICE ON MY PART.

Good:

After having this card, I have a second thought. Trying to build credit but these people on Sunday give me a call about payment when it due on the 15 of the month and today only the 10. Payment already made but they want to make extra 25$ just in case the payment have not posted. That is the girl said. Credit card only call when you are late or something wrong. They bothering people on the weekend and something not necessary plus they charge you fee when they said no fee at first. I am going to close this card. Isn't worth it. Not recommend to anyone. You rather go to Bank of America or Wells Fargo. Give them 500$ and get the security card to build credit than deal with these people.

I do not have a credit one credit card. Apparently they say they have my info. with charges. I've tried to talk to them, they do not want to listen. They have sent this to an attorney to try to get 1800.00. I do not know what to do. Need some advice.

I replaced my card in June 2014, because of lost. I have not been able to log in since. Spoke to customer service (out of country), I was told to reset username and password. I have done this at least 12 times and I still can't log on. Today, 9 Aug, I was told to wait 48 hours and try to log in again. I have been trying for months and it hasn't worked. Customer service no help.

Credit One Bank is such a "fly-by-night" operation that they are afraid of putting their name on the caller ID so since they are such shysters and afraid of the truth. I will not talk to such an underhanded company of "loansharking" thieves, although it is legalized loansharking.

I applied for a credit one card. Called cust srvc 8/9 to check on my card, and was mailed out 8/4, statement went out 8/6, payment due Sept 2nd, and spoke good english. I read all the negative reviews. I didn't cancel it. Wait and see and report back.

So as of 8/8/14, I activated my Credit One Bank card with a credit limit of $300. Not much but it’s been a long time since anyone has approved me for a credit card because my score is low. So I thought okay great, I got a foot in the door to start trying to rebuild my credit. I didn't know they charge a fee of $6.95 to pick a certain design for your card. Nowhere on their website did I remember reading that but okay, not big deal. When the first bill comes out I'll pay on time and start successful and on the right path with this card $.

I am not sure I want this card after I applied for it to rebuild my credit. I received the card and was unable to activate because they said they needed additional verification of my address, such as a government issued ID or utility bill. In all my years of having credit cards no one has asked me for that and they don't use faxes or emails. What century are they in?

BAD, VERY BAD BANK. I wrote a check for the balance due and a big note, PLEASE CANCEL ACCOUNT. Asked somebody to call for me to confirm that the account is closed since I am away for a while, and they said this is not sufficient to close the account. The interest on this account is so high that out of a loan of 400 dollars and a monthly payment of 25, monthly fees are 8.25 and interest 8.3. Only 8.45 goes to amortize account.

Credit One Bank is supposed to help people fix their credit. They gave me a credit limit of $300. The first time I went to use it to get some groceries they would not process the purchase. The amount was $175.00. Little did I know that their card cost me $75 and then another $50 in "set up fees". If I had the choice, I would never get their card again. I know after I get this paid off, I will never use it again. I did not know they charges $2.00 for a statement either. Thanks for your post, it was a great help.

I had misplaced my card and called customer service and at that time I told them I had misplaced it. The person I talked to said that they would put a 48 hour hold on my account and if I found my card before the 48 hours was up, that they would not suspend and call it lost or stolen. I did find my card that very night so I then call to verify that I found it. At that time I thought it was settled but when I went online I was unable to sign on because it said account is temporary suspended.

I was traveling and tried to use my Credit One CC 4 different times. Each time, my card was declined. Credit One told me the businesses were RISKY BUSINESSES. Hertz Rental, Foot Locker, and Sears are RISKY?? I'm not buying it. Then they told me my account may have been compromised so they sent out a new card. Now when I swipe my card, a signature is NEVER required. I called customer service and asked if this was a new practice and I was told the stores I was using the new card in must be RISKY as well... TARGET and BEST BUY??? Really.

I recently applied for a Credit One credit card and was approved with a $300 limit. One week following approval, I received a letter in the mail from Credit One asking for a copy of my driver's license, SS card, W2 form and utility bill in order to complete the application process (it's just a credit card with a $300 limit, not a mortgage). The letter also stated that if I did not send the documents within 30 days, the application would be considered canceled by me. I may have less than perfect credit but I'm not ignorant or desperate enough to send personal information to credit sharks. I will continue to use more traditional and legal methods to help restore credit. Consider my application canceled.

I too, as a lot of the posts, received this card, as a suggestion from Credit Karma. I have had nothing but a big headache since. First, the 75$ fee, which is outrageous, unknown. And not specified to me. Phone call to them got nowhere. Then, today, went shopping, card declined. Made FULL PAYMENT 3 days ago. WTF. Called them, and they tell me that it doesn't post for 9 days. I have other cards and NEVER, NEVER, ever had this problem. Embarrassing. Called them. Rude, would not budge. Spoke to supervisor. Tells me payment thru bank account is "a check". I said "no, it's cash. " She got very indignant and would not release the card to pay for purchase. Will be closing this account, making complaint, and will let Credit Karma know.

Do NOT apply for this card! Nothing but problems! I applied for the card in May. I received an email stating my card would be mailed within 7-10 days. I kept waiting so I decided to call Credit One on 5/17 and talked to customer service. They told me the card was mailed and I told him I never received it. They mailed out another second and said I should receive it in 7-10 days. On 6/12 I still haven't received the card so I called back and talked to Nancy. Nancy mailed out another card of which I never received. On 7/22 I called and talked to Allen. I explained I never received the previous two cards and asked what the heck was going on. Allen mailed out another card which I finally received on 8/2.

I was never fully caught up on my account status. The person I talked to seem to only know one thing - a payment. And I never understood my exact payment date and when my bill came in the mail, I had three days to make my payment. This is unacceptable.

They ruined my uncle's credit because of 3$. He left the country in May (Got back yesterday) and made a payment but forgot 3$ purchase. They put 18$ fees on that and claimed it to Collections in July a month after the due date. Because of 3$? Are you kidding me? Any bank in the country pulls down your credit after 3-4 month after several attempts. And this one and because of 3$? Stay away from them, don't even bother opening a credit card with them...

Credit one bank is the biggest scam you can ever think of. As soon as you sign up they charge you a $75 yearly fee, and everything else added to the account is charged a fee. Authorized user = $19. Mail statements $2 each statement. They charge you a late fee even though I made payment over the phone which they charged me a $9.95 fee. This bank is a fraud and i am not sure why people even sign up for them. I am not sure how the US government allows such a company to even work here.

I'm giving Credit One 5 stars because they are good at helping be rebuild my credit. YES they charge for everything, the first credit increase was on them, the second credit increase I had to pay $9.95. I make my payments as soon as my charges are posted so that I WON'T pay a lot of interest. The person below should also include a description of why CO charges $9.95 to make it payment. You only pay that if you want to make an express payment, which posts to your account the next day, or you can make a regular payment and NO CHARGE.

I have had a Credit One account for approximately 5 months. After my divorce, I needed to re-establish credit and this was an easy solution. Every month 5 days before my bill is due, I get excessive calls from them with no messages left. I finally answer after about call #10, to be asked for a payment. When I decline and say I will pay on the due date, they get pushy. They ask for me to verify my SS# and to tell them how much I am going to pay.

I don't even know where to begin with this "bank." I had it open for a year, before I realized they were the worst credit card company. After I closed it, I made sure to dispose of the card just so I do not get tempted to use. I was slowly paying off the remainder of the balance until my computer broke down and I lost my password for the online access to make payments. Now, in order to reset your password, you need to provide your account number, expiration date, and last 3 digits on the back of the card. Since I cut up the card months before, I no longer had it in my possession.

This company is out to make money and does not care about the customers - This is based on the following: A credit card that still has an annual payment; A credit card that prompts you for increase with a catch (fees); A credit card you have to bribe YOU in order to make a quick payment otherwise you pay a late fees; A credit card company that does not remind you of upcoming payment but quick to charge you late fees; A credit card company that does not provide you opportunity to create a recurring payment - so you don't miss your payments. They want you to forget everything you are doing and focus on them - which is impossible - that resulted in continues penalties. A credit Card that does not have good customer service; A credit card that does not REALLY HELP YOU OUT OF DEBT; A credit card company that works with other third party company to continuously charge you for magazines and other things you are not aware of.

Credit One Bank has been calling my fax number for months now. They have my fax number attached to someone's account or they are just looking to pick up another cardholder. I do not have an account with this company and have answered the phone and told them I do not want them to call us anymore. They tell me I have to give them my social security number to find out if I have an account with them. I keep telling them I "do not" have an account with them but their robo caller keeps dialing the fax number.

I cannot find a number to cancel this card. I quit using this card, paid it off and wish to cancel it, but they make it almost impossible. If I was not having such an issue cancelling it, I would have rated them 5 stars as they have never done me wrong; until now, that is.

I was fooled at first thinking it was Capital One. Then realized soon after I got hit with $75 fee. I was like ok, I got no choice. If I want to build credit cuz I got denied for Capital One secured. First month was good, got the bill in the mail and it was for the correct amount. Next 3 months, never got one bill. My online account doesn't show charges and I was forced to pay on phone being charged $10 each time. I call and tell them I haven't got a bill and they say, "I'm sorry. Next month you will", but yet it never comes.

I have had this card for nearly a year. I damaged my credit on my early 20's and was looking for a credit card to help me rebuild my score. So far, this card has been exactly what I needed. I keep my balance low (around 20 percent); I pay more than the minimum payment. I never wait until the last minute to pay. I pay as soon as my statement is available to me.

I have bad credit due to collection accounts. Only Credit One and First Premier will issue me a credit card which is necessary in order to re-build my credit. I decided to apply for a Credit One card because First Premier sets borrowers up to default on their credit cards with multiple fees and a 36.99% interest rate. Credit One has a first year fee of $75 which after the first year becomes a $6.25 monthly service charge and 23.90% interest rate.

I applied for a card for which I was approved for $500.00. I have received a statement for my payments on their charges. I have not received my cards to use. Their response is no response.

We have tried to cancel our cards with no success, have paid the bills in full, never late and can't get away from the monthly fees. I thought it was capital one when I received it five years ago; but, did go ahead and give it a chance and it's been a nightmare. Since I have called over and over again and cancelled the card I still get a bill every month. Then my husband and I had just let our cards expire then not renew them. Well that does not work either. This is the ONLY company that you do not renew your cards, they do!!!!! I need help how do I get rid of these people without ruining my credit????

I have a series of five transactions that have been declined in the last week. Each time I call, I am told my declines are due to risky businesses. When I ask for a list of risky vendors, they are unable to provide that list. Keeps trying to placate me by talking about fraud protection. My credit limit isn't high enough to really worry about that. I keep trying to use my card and having it declined consistently makes me lose face in the community. Is anyone else having that issue? It smacks of Big Brother making decisions for our own good.

Never had the card and I never applied for it, then back in Nov I get a call from their customer care center stating that they wanted payment then. I told them I never had the card and I wanted to dispute all charges that were made. The Hindu gentleman that called me started to call me some choice words and hung up on me. I haven't heard from them since so I figured they dropped all the charges and now all of a sudden I get a certified letter from them stating unless I pay them, they will sue me. Um hello, where is my paperwork I asked for back in Nov?

Customer service sucks... no one listens to your complaint... they talk over you and all they want to do is apologize and say I am sorry! They do not help in any way and the managerial personnel sucks also!!!!!!! They do not help either!!!!!!! When I told them what my balance should read, they said I see this amount. I told them I can read, how many people call and tell you their account balance is correct?????? Please beware of this company as they are scam artists and will take you for every cent that you have. They need to be shut down and the Attorney General's Office in Nevada needs to do this.

They keep sending me applications. I keep telling them to stop. So far they have ignored me. What kind of creeps are this people?? Can someone tell me how I can stop them from filling up my mailbox with spam??

Have had card a couple of years. This weekend everywhere I tried to use it, it was declined. Gas stations - so I called they said the merchants were considered risky and Visa was declining them. So I thought I'll try Kroger’s. Declined. Call them back, they say Kroger's is risky. So I told them to close the card, since I can't use it anywhere. She got mad and said but you have a balance are you going to pay. I just want the card cancelled. I will continue to make payment. She was not very happy and neither am I!

When I first got approved for this card, it was to rebuild my credit. Yes like everyone else it seemed great. Increases on credit periodically. I started seeing fraudulent charges on my statements. I called them and tried to work with them on getting these charges taken care of. During this I discovered they had sent an additional card to the thief that was using my account. When I called to inform them and to cancel that card, they acted as if I was the criminal. After months of fighting with the credit card company, I am still attempting to get the account closed and be done with this company.

Received a letter in the mail telling me I'm pre-approved for the card. I'm looking for a card to build up credit so why not? Well, I get the card in the mail and the same day get another letter stating that my information was used for fraudulent applications!? So, I call customer service and they explain that they send those so they can get more information to verify my identity. Ok I guess. So the lady tells me to send over a copy of my SSN and utility bill. Ok so I send it out June 3. June 5th I get a bill for my UNACTIVATED card. I call them up again a few days before the due date asking if they got my information. Nope. I was told to call again the week after. So I gave them another 2 weeks.

DO NOT GET THIS CARD. THEY ARE A BUNCH OF CROOKS. I made a payment by using the express payment. They charge you $9.95 to make a payment. Supposedly if the payment is over $100. The $100 should be available to you the next day. Instead they took my money and placed a 8 day hold on the card. Every time you call, you will speak to someone who barely speaks English. They will tell you a bunch of lies and you will receive a different lie from a new representative every time you call for the same situation. SO SORRY I TOOK A CHANCE WITH THIS CARD. Will be paying off the card. CARD has already been cut up. DON'T DO IT. YOU'VE BEEN WARNED.

Got pre-approved for 1,500 on 3-01-2014. Yay, mind you I’m thinking this is Capital One!! 3 weeks later, got a letter requesting more info, mail it back. I’m still thinking this Capital One because I have credit with them. I said wait a min. Why they requesting all this info if I’m a customer with them? I called customer service, 2 weeks later! OMG what a experience. I knew right there this is not Capital One Smh. We have so many English speaking people out of work and they have the nerve to bring in cheap labor non-speaking English customers services to help us when they don't even understand what we saying.

Lots of people like to complain about Credit One Bank but what they are failing to realize is that it has a very specific purpose. I don't even think credit one bank will give credit to anybody with average to good credit, its ONLY FOR BAD CREDIT PEOPLE. The fact that you have a card (like me) means your credit was screwed up. Whether it was your fault or not, does not matter. I personally could not be happier with the card. It has served its purpose for me, and at the 1 year mark I will be asking them for a couple things:

Got the preapproved letter, took the offer, received the card, and used it once about 2 weeks after receiving it. My very first bill came yesterday with a $25 LATE FEE on it, even though the due date is 7/13. Called and made them remove fee. No clear ENGLISH speakers!!! STAY FAR AWAY FROM THIS COMPANY. By the way, I canceled the card and they were teed off.

My husband and I opened a Credit One account this year to help improve his line of credit. We had a foreclosure in the past. Last week, we had gone away for our anniversary and put a $75 hold on our card for room charges, TV, bar tab, etc, on June 9. The day after checking out of the hotel, Wednesday, we called Credit One and were told the hold would be released in 24 to 48 hours from checkout. On Friday, we again called as it had not been credited and were told that ALL holds are kept for 7 days and our card would be credited June 17, which was 8 days from the initial hold. Today, June 17, still no credit. I called and was told that holds are kept 7-10 days. At which point I confront about the other two times being told. The woman states that it was a misunderstanding on our part. Actually I know online it stated the 17th. So I say "So you are guaranteeing that the credit will be there Thursday, the 19th, which is ten days". Her answer "It SHOULD be. Sorry for any inconvenience". We don't want to take a hit to our credit, but if this is how they lie, then as soon as the card is paid off we will be cancelling it, and they were informed of such.

About three years ago I started rebuilding my credit. I started out with 2 secured credit cards and made on time payments for over a year. I wanted to add an unsecured credit card to my portfolio so I went with Credit One. My credit was still shaky at the time and I felt this was the best route for me. It took a while to receive the card. That is my only complaint. I have read some of these posts and it really sounds like a nightmare for some people. My advice.... read the fine print. It's not a very wise move to apply for credit with a bank and not know the terms. Very unwise.

Stay away from this company! They never answer your phone call! I'M on hold on 2 different lines for longer than 15 minutes waiting to speak to someone just so I can pay my bill!

I made the decision to get this card in order to work on building my credit. However, I must admit that my card fell behind twice. Once I was able to get it up to date, payments were on time and consistent. Recently I have been trying to make purchases, but my card kept declining. I decided to give the company a call to find out what the issue was. I was told that my account was closed. I asked the rep why they did not send a letter or a notice of this and his reply was we did! They never sent out any notice. He then told me to hold while he checked my account and then he responded by saying that they do not send out letters or notices of closed accounts.

I had this card for a couple of years. Did not receive a bill this month so I called the # on card and a recording came on saying they were no longer handling my account, told me to call Resurgents. I called and they told me I was turned over because of Bankruptcy and I told them I had not and was told someone would contact me within 72 hrs, which they did and it was a collection agency and I have never missed payment and ask why I was turned over and they could not tell me. I had to set up a payment with them. I would just like to know why turned to collection and not one can tell me. Very frustrated, just want to know why.

I applied for a Credit One Bank card since I had the chance of getting a limit up to $1500 which is the typical or higher for me. They approved me for $500 and so I didn't even take the card off of the original paper (attached with that sticky stuff.) I received a BILL after about 2 weeks of having the card NOT ACTIVATED. Looks like Credit One Bank charges you $75 annual fee even if you don't want the card and and $6.95 for selecting the design. I AM canceling this credit card. I will be calling Monday to let them know. We will see what happens when I let them know I am not paying for a card I did not activate, nor use.

First I thought it was Capital One. Secondly, they charged me interest on the annual rate on the first bill they sent me. I refuse to pay and now is in collections.

I have had this card for over a year. I paid it off and started using it again in I believe, January. I make payments on-time (although they are never processed on time), and usually make $75-150 payments every time. The company has started losing my payments and hanging up on me when I offer to fax them the proof that I paid them and they took the money from my account. They call me to the point of harassment weekly (illegal), never correctly identify who I am (illegal), are stealing money from me (illegal) and refuse to fix their mistake.

They did the same to me.. told me the routing number was not valid... full of **!! I know I gave her the right number... All of a sudden I get a late fee.... wtf?? So of course, I can't understand their language cause they barely speak English!! Cutting up this card asap!!

Do not, I repeat do not get this credit card and if you do cancel it ASAP! I had this card for about a year and this were fine until I made a little mistake. I entered in the wrong banking info on their website and so the payment came back and they canceled my account. They were so rude when I called to find out why. They were not helpful whatsoever. They screwed up my credit because I made a mistake but made the payment from my bank bill pay so I was never late. To get the account reviewed and active I had to get a letter from my bank with all these things on it! What, for this credit card that give me nothing in return. I can't wait to pay this off in a few days and be done with this awful company. Horrible customer service!

I recently purchased a credit card and received it the second week of May. My bill is due on the 2nd of June, 2014. Around the last week of May, I started receiving calls back to back from this company. Finally I spoke to a lady over the phone that was demanding payments in full. I told her that I had just made a payment of $25 over the internet but she constantly demand that I pay the full amount right now and told me to provide her with a credit card right now. So after getting her told over the phone, she later hung up on me. I got back on the phone and spoke with a supervisor and told him what happen and he informed me that I will not be getting anymore calls.

Do not use this bank. They set someone up as an authorized user on my account without notifying me. This is some con person I do not know, but who was able to hack my account. I have talked to them numerous times to close the account, and they keep assuring me that they have. Now this person has set up a recurring payment every 24 hours of $1,000 to go out of my bank account and Credit One claims they can't stop it. This was done after my account was supposedly closed. This has become a nightmare I can't stop. All I can do is warn others.

I'm wordless that I was not told about $75 fee/year about all other fees, very rude and extremely expensive fees. CROOKS and SCAMS are lite words. Dept Of Consumer? Don`t you do anything about this?????

I have poor credit (about 590). When I was a teen I had a credit card. I overdrafted by a couple hundred dollars, had an issue with Sprint bill of about $200 and then lost my job in my early 20's causing my car to be repossessed. Add a deferred student loan and no other credit and you can't get a credit card from anyone... EXCEPT Credit One Bank. I had to pre-load the card with $300.00. Every month without fail I attempt to log into the website to make a payment and receive an error message that my account has been 'suspended'. This started to happen on my second month! I have made multiple requests for them to fix their website since then and at this point it appears they are purposefully locking the site when payments are due so that a late fee can be charged.

Hidden charges, a dollar here, a dollar there. Unlike any of the other card I possess, they have no one you can effectively communicate with and they are always trying to scam you into one agreement after another - offering you everything except for what you request do. I would like to see this bank closed. Too many people have made the same or similar complaints. 88% complaints are negative, an all time high. I would like this bank closed. I made a payment through w.u and the system still held my lost card information instead of them transferring it to the correct card. They lie and say they never received payment and that I will be assessed a late fee anyway. I make my payments on time and they don't post it until 2-3 days later.

I was approved for the card today. I will be calling tomorrow and cancel before they even print that card off. From what I'm reading I don't want to be in the mix of game and if I would have known this I would have not applied.

I have had a Credit One account for 14 months. I had my account set on auto pay with 2 bank accounts that were saved in their system to process. Last month they returned a payment telling me that my bank account was closed, I switched to my secondary account that I had saved and the same thing happened again. Just as a note, I have had these 2 accounts opened for over 10 years.

I've been a cardholder for Credit One Bank for roughly 18 years. Their customer service has always been bad and now reaches a level reserved for the worst of the worst service providers. Recently I changed my checking account number and inadvertently tried to make a payment using a checking account that had been closed. Honest mistake and I have apologized to the Credit One for the error. After 18 years, my account is suspended and after correcting the mistake and making several payments thereafter. The call center representatives in India and Philippines are of absolutely no help. I've been disconnected three times and intentionally hung up on in one of those cases (and I wasn't rude to this person). My advice is to stay away from this company. There are many reputable credit card providers out there. Credit One Bank is not one of them.

Have been with them for years. My CL remains at 700. They increased it to 950 but wanted a 10$ fee. I called and mentioned that my other card had just given me 1500 CLI same day, no fee-been with them same time and never missed payment. Have been paying off in full every month. I explained I am trying to raise my score, and that limit was hurting it at this point. Some guy from India (claims he's Theodore, but can't pronounce it) is rude, inaudible, pissy when I ask him to repeat himself, and posted a hard credit check like I was asking for increase again. They had already done that today. I just wanted explanation as to why low limit/high fee-Idiot. He did not understand me, nor I him. Very frustrating.

My name is Michele and I was duped by Credit One. I received a card in the mail without filling out a form. I should have been more skeptical but it seemed legitimate. I made a couple of purchases and paid it off. Then I was told that they never received payment and that there were membership fees. I never received anything in writing nor did I sign off on such a deal. Now they have been calling nonstop including a number with a 917 area code which is reserved for cell phone numbers. They are insisting that I owe them all this money called member dues. I have been researching this matter and according to what I have read, they are not even a bank and I am not the only one they have scammed. I am going to file as many complaints as I can and I urge anyone who has had a similar experience to also file a complaint and to people who this scandalous company is trying to court, Do Not Activate This Card.

Credit one doesn't fix the problem for log in website so they can get an extra late fee and charge over the phone fees. They are worthless on the phone!

I have been working with Credit One for over a month because two payments got returned due to an incorrect routing number on online payments. I have called at least once every 3 or 4 days with no help whatsoever from the Customer Service Department. They said I had to send a bank validation letter- which I did immediately after they told me. As of 1 month later, they have no record of me sending the validation letter- told me to wait 3-5 more days and check online again to see if my account had been taken off suspension.

In 2012, my husband's ex-wife received a mailing from Credit One Bank to her address in his name. She proceeded to fill it out on the internet and get approved. (No they did not ask for verification of identity, i.e., driver's license or some other type of photo ID.) She was approved using his information. We are looking into purchasing a home and find this on his credit report. We disputed it through TransUnion, Equifax and Experian as a fraudulent account. The first time it came back verified, we sent it off again and now they send us a letter stating they are investigating the incident. They no longer have a list of any of the charges or places they were made... This needs to be removed from his report or I am going to take it to our attorney and allow him to handle it.

I used this card for some purchase that were under 100 dollars but got a bill over close to 600 dollars. I had to use my whole income refund to pay this. I try to call & they told me, "If it's on our files that means you charged it." I know I did not.

When I applied for this card I was unaware that the card had an annual fee nor a charge to add a personal image. Called immediately after I received the card and made the online account and saw this. The man I talked to was very helpful and successfully canceled my account. I got the letter in the mail confirming that the account was canceled and all fees were canceled on the online account. My tip for those of you that were able to get out from Under "Credit One Bank" is to apply for a "Capital One Journey Card". It has no annual fee, 1% cash back on every purchase you make and access to a higher credit line with your first 7 monthly payments. That is what I did and was approved for a line of $300. It's a great card with great benefits! Just a suggestion!

I obtained this card about 8 months ago, just two months after my bankruptcy was discharged. I had to pay a fee of $75 I believe when my first payment was due. They immediately upped my limit from $300 to $500 without charging me a penny. I pay my bill in full each month or at least as close to zero as possible. The payment takes about two to three days to credit now. Initially it took up to a week.

I had applied for a Credit One Visa card and received it 04/24/2014 with a $300 credit limit. I called the 1-800# to activate the card 04/30/2014 and had found out that my available credit is only $199.00, due to the fact they applied two charges on 04/23 and a $75.00 annual fee totaling $100.95. This is a real scam!!!

I close my account with credit one... About two months ago, even though I still make the payments on time they report in my credit like I been in collections... That is bad for them. How could be a person that make that payment on time could be reported in collections...