Credit One Bank Reviews

I received a credit card and used it. I paid it off and was advised that I was being charged an additional fee. I refused to pay the fee. After one year I checked my credit report and found it shows an outstanding balance of $430 owed to LVNV Funding in Houston. I called to discover Credit One had sent an account to collection under my name for an unpaid balance on the credit card. When I asked what the balance was for the collection agency said they did not have that information, only an amount that will continue to grow at a 20% interest rate. I guess Credit One has the authority to send to collection any amount they dream up under a person's name and it never goes away? Where does one go to complain about this scam?

I ordered this card on 3/12/14 and received it about a week later. I have never even used the card. I received a bill from them on 4/25/14 in the mail that says I have a previous balance of $81.95, and again I've never used this card. I've been charged $25.00 late and I've never even received a bill. This is the first one. They're saying my balance on the bill is $109.48, and I have never used the card. I come home from work about 9:00 pm on the 25th of April and had this in the mail. Tried to call and could not reach anyone about this, and I'm furious about it. I will be calling them first thing Monday morning and hope to get this resolved. The card will be cut up and never even think about ever using it. I am finally getting my credit back in good standing and definitely don't need this problem in my life.

I applied for Credit One, received the card and have not experience any issue. I pay bill on or before the due date. The only problem I have is standard payment takes four days to post. But if that is the only problem, plan accordingly. On a positive note, my credit score has gone up over one hundred points. You need to STOP complaining and pay your bill and make this card work for you, not you work for it. Use the card like a debit card not a credit card. That said, pay the bill in full and use the card to pay your bills. If your limit is $400.00 pay the $400.00. Then pay your phone, cable, gas, groceries, then pay it again on the next pay and repeat. Again make the card work for you... STOP complaining...

I applied for Credit One Credit Card, and they were telling me that I am not approved, because my account was charged off. That's strange, this is the first time I have ever applied for a credit card with Credit One. I called the number they have listed, and I specifically told them this is the first time I have heard of this. What is identity theft? Really.

I have read numerous reviews about Credit One bank credit card. I find it quite hilarious that people are complaining about paying their bills on time on only a 300 dollar credit limit... The card was designed to provide credit for those who do not qualify for a higher credit limit with lower APR rates. The card charges a fee because those who apply usually have bad credit. The Bank protects itself from default by charging you fees that it can recoup in the likelihood that one defaults on their credit. They also call you if you are late because the majority of Credit One card holder have a history of defaulting or not paying their bills on time.

I have an account with Credit One bank. I hate this account. I always get harassed by them and late fees go up and my balance seems always to stay the same. I try to payments however every couple of payments they always say they didn't get one and a late fee is charged to my account. I have had credit issues in the past and Capital One worked with me; however, they will not. I have canceled my card and wish I had the funds available to pay off this count; however, I don't. Any advise would be greatly appreciated.

Credit One Bank credit card is an India SCAM. False advertisement saying you’re automatically eligible for x number of credit and when you receive the card is only good for $300. You incur annual fees charged to your account before you even receive the card in the mail and before you activate it. Also a selection of design of the card is charged. This total is about $109 out of maximum amount of $300 credit line in which only $75 can be taken out for cash. The interest is 23%+ which is ridicules. When you call an obvious American number you will find that you are talking to some scammers in India who are rude and are trying to get more personal information from you.

My payment is due on the 2nd of each month and I just made the payment online today. They called 5 times in one hour and why? They just go into my blocked caller list, yet it is so irritating and harassing. And for what? I am not even late on my payment!

Credit One Bank is far most the worst credit card anyone would ever apply for. They call you a 2 weeks before your bill is due to ask you to make payment. Their customer service is the worst, continuously repeats themselves, can't understand nothing you say to them. Please don't ask to speak to a manager. They are so rude and will frustrate you. I contacted Credit One Bank to make a payment and they tried to convince me to also pay my next month bill which was due in three weeks or they won't be able to waive the payment fee!!! They charge you all kind of ridiculous fees for no reason and when you call, you get transferred to so many people without getting a resolution to your problem. I had this card for a year now and so far, it's been the most ridiculous and scam acting credit card. I would never advise my worst enemy to apply for a CREDIT ONE CARD!!!! What I don't understand is how the law try to eliminate scammers and Credit One Bank is still running a business after all this 200 and something negative reviews on the consumer affair website???? SAD!!!!

This bank is garbage, just to make an online payment every month, you got create a new password and users name. That sucks.

I closed my account with Credit One Bank despite the hit to my credit because of the excess fees that this company was charging. In an effort to pay off my credit card, I noticed that they were continuing to charge annual membership fees, interest and late fees. When I called, I was transferred 3x and was told that as long as my account had a balance then I would continue to get charged these fees. I was paying $52 per month to get the balance down but was charged $63.00 in fees? This company is a rip off and should not be allowed to do business.

Cancelled my card over a yr ago. Tried to get them to stop charging interest/Late fees/Annual fees and Credit protection that I never asked for. They say they can't help me. I asked for their license number that they operate under. He stated "we don't have such a phone number". I stated he must be working for the MOB if he isn't aware of any questions that I am asking. I asked to speak with attorney's that work with Credit One and again told...quote: "We don't have such people" unquote. After several months of trying to work something out to pay off this debt or get it reduced then I was told account was never closed. That is not what they told me several months ago when they said "yes, I see your acct is close..can I ask why?" I stated, "NO I called you to tell you to make sure this acct is closed and to stop adding all the charges on a closed acct and send it directly to a collection agency so I can work with them as you all don't know what the hell is going on."

The bank is working to resolve the issues. Therefore I am upgrading their star rating.

This company sucks. My mistake for thinking it was Capital One, 75 dollar annual fee? Customer service in India? Harassing calls because I set up auto pay with my bank and they wanted it over the phone. I paid off my card and when I called to cancel Apu offered me lower rates, I offered him a ** you. STAY AWAY people, building credit is important but this card is designed to dock you with fees and lower your credit score

I've tried and tried to ask for someone that I can understand and they could not provide that for me and they were mean on the phone, did not want to help with my problems and they charge me fees that were unjust and would not help us to figure out how we could resolve this problem. WOULD NOT RECOMMEND THIS CREDIT COMPANY TO ANYONE!!

I have been trying for two days now to get into my online account to pay my bill. I have spoke to customer service four times now. I get the same run around telling me how to change my password (I do not remember the original one). They told me I also have to change my user name. I did all this, all information entered correctly. I click continue and the page shows up with all my information but no password so I re-enter it. Try again still not taking me to the next page. The nice man I spoke to told me I had to download google search then it should work. Well it did not. I can pay them by phone with my checking or debit card, but the catch is I have to pay them $25.00 just to do this. So if I cannot seem to get online and am on disability and cannot afford to pay just to pay my bill what can I do. No cooperation at all and no help. I just want to pay my bill. I am sitting here with an unpaid bill. I pay all my bills in a timely manner. Can someone please help me. I am manic depressive and do not know which direction to go. Getting anxiety just trying. Thank you.

Regrettably, there really is not anything to investigate. When you apply for any kind of loan, in big bold, large fonts, you are told what your fees are. It tells you your APR, annual fee and so forth. Trust me, I know from personal experience that bad-credit credit cards will often charge the highest fee allowable, but there's nothing to investigate... They told you they would be charging you.

Let me start by telling you all I took my time in reading all your reviews about this disgusting supposedly credit bank... They used to be a bank by the name of Financial Bank of Marin... Look it up they were caught scamming people/helpless people I should say... Once they started to investigate them about all this that has been mentioned on here yes everything to the bogus charges late fees monthly fees excuses after excuses, etc. and god knows what more now... Let me tell you me like an idiot have an acct with Creditkarma.com to see my credit score soaring because yes me too am trying to fix and rebuild my credit so yeah I too got the card.

Went out of the country on business, and did not make a payment as I was busy getting everything in order as I was going to be gone a long time. While I was on my way to my destination, the day after a payment was due, my wife received a phone call from them asking about payment. My wife told them I was out of the country at the current time. They then said sorry to hear and hung up. A few days later a letter showed up from them asking for a copy of my DEATH CERTIFICATE. They obviously have freaking morons working for them as they cannot understand "OUT OF THE COUNTRY" and take that as you have died.

I applied for the card and it was approved. I called to find out when it will be mailed out and all they keep telling me it's in progress??? I'm not sure what that means if I was approved or what?? My husband has a Credit One card for over 2 years and we haven't had any issues with them to be honest. We pay the bill and that's all. Yes the fee is a little high but oh we'll it is in the docs. How long does it take to get the card?

A woman from Credit One called me regarding a payment that I supposedly missed 5 days ago. They said the minimum due was $90.00. I asked why it was so high and they said I missed my payment 5 Days ago and there was a $50.00 late fee. I said that's weird I just made a $75.00 payment not more than 3 weeks ago and they would waive the late fee. My problem with this credit card company is that THEY SOLD ME A RATE INCREASE... I BOUGHT A $150.00 CREDIT INCREASE AND THEN 2 WEEKS LATER, THEY CANCELLED MY CARD. THEY CLOSED MY ACCOUNT. They said I had a return check in May, and supposedly one in August and part of their Credit Card agreement is that if you have a return check they cancel your credit card.

I sent in a payment 10 days ago and have yet to receive credit for the check. I have had this problem with them before but this time they are bombarding me with emails and text messages stating my payment is past due. I responded the final time with the fact that if I find they have already transacted the check and are sitting on it to collect interest on their account while charging me interest on mine, I will be filing a complaint with our Attorney General. This card and company are becoming more of a pain than a benefit. Obviously I am part of a large crowd since they have an "Angry" rating of 90% and this website shows 'only' 260 of the complaints posted, which means they probably have thousands. I am merely a single person in the sea of the great unwashed but I have had it with them. The only way to change these bums is to shut the door on them. I would rather use a prepaid card at this point and tell them to take a hike.

I feel as though this credit card charges OUTRAGEOUS FEES. One, the annual fee is built in to the credit card monthly payment. I did fall behind in paying but the amount they charge in fees makes a person go in debt even more!! I would like this company investigated. Credit One Bank. 877-825-3242

Never applied for this credit card. Received a bill with a $75 activation fee. When I called to ask who applied, I was told I did. When I advised I did not, the woman then told me, "Ok well just don't use the card." I again stated I never applied and what about this so called activation fee. She started to scream at me and hung up. I called immediately back and was told within minutes the customer service department was down and call back in two hours. I called back and was told try again in another two hours. However, if I wanted to activate the card they could do that. They just were not open for complaints. Fraud, Fraud, Fraud.

After being approved, I was mailed the card. I was extended the minimum credit limit, although I have other cards. Initially, I thought it was a Capital One invitation. THIS WAS MY OVERSIGHT, I take full responsibility. I have since been approved and accepted a Capital One card, and I am happy with their service to date. CreditOne has their logo branded that way for a reason. Had I realized it was not Capital One, I would have further researched this company and passed.

After receiving a "pre-approved" letter in the mail, we applied and were approved for a $300 credit limit. Upon arrival of the card, we read all of the fine print and pamphlets that came with the card. We decided NOT to activate the card and in fact, we opted to close the account. Not even 15 days later, we received a statement saying we owed $94.00, $19.00 for an "authorized user fee" and they took that opportunity to charge the $75 "membership fee". After calling the bank, they assured us we had closed the account and it shows a $0 balance.

Applied and received a credit card with a $300 limit and a $35 activation fee. Called to activate card and was ask to send a copy of my Drivers License and utility bill to an address in Los Vegas. Every time I call I get a call center in India or the Philippines and they sometimes want the documents or will ask for a copy of my SS card. When I ask why they need it when they use the last 4 to identify the account. And why ask for something they all ready have. Can not talk to someone at the bank. Beware!!!

Have been a customer for 4 years, never missed a payment. Was in hospital last year after auto accident. They closed the account w/out sending me a notice first. Now they call me 7 days a week from 5am-10pm wanting their money. Have asked for a certified letter 6 times and have not got one. Yet the supervisors I talk to tell me they don't send certified letters out. I WOULD STAY AWAY FROM THIS COMPANY AT ALL COSTS.

This company copies Capital One Bank's Logo, to the tee (Shame on you hiding behind Capital One bank!). I had just asked my bank for a credit line increase, so when I received this mail from Credit One Bank, with an upgraded credit line, by mistake I followed thru with it. As soon as my husband seen a $75.00 owed he said it must be a different credit card and there is no reason for anyone that runs a well to do business, will not charge for a year membership and does not charge every month for a payment. This is shady. So I called to have the card, canceled, within 24 hours of getting it in the mail. Now they want $75.00, for what??? I will call to see if they are going to drop the bizarre nonsense? If not, I will take legal action with the powers above. Beside that how will you correct my wife's credit score? You ruin people's lives. Take a look at the B.B.B. and look at all the complaints on this company. Seems to be to work of La Cosa Nostra. Where is the Attorney General in Las Vegas

I just closed my acct with Credit One due to constant phone calls. I have never been late and had a very small balance but the phone calls would start exactly at 8am and continue throughout the day. Every time I would answer, no one was there. After the 3rd day of this I called to cancel. They never apologized or explained why I was receiving constant calls. Also this company is located in India. It is almost impossible to understand them and very frustrating. Do not deal with this company and their harassing phone calls.

This is a Validation of my account because Credit One failed to notify me in time before my account was closed due to the wrong account number put in on your site. This is horrible service! I just now got this letter in the mail on today Jan 21, 2014 that is dated January 4, 2014. It took your bank 17 days to notify me! This is counting non-mailing days such as holidays and weekend. It should never take that long! How is this good customer service to not inform me sooner nor call me or electronically tell me??

This the worst company I have ever dealt with. They were notified by me on receipt of the new card to pay a 75 dollar fee to cancel the account asap. I then rec'd calls asking for the $75 annual usage fee and a late fee of $35 plus they said I used the card making a purchase of $1.29 on iTunes, Never happened. I asked to speak to a supervisor, I was called over and over asking to pay my balance with a debit card and refused. I have not heard from them recently, however I will be monitoring my credit report for their derogatory claims. Do not sign up for this card.

I deposited $200 for an increase in credit limit. Was charged $27.00 for the privilege. Instead of a credit to my account I have been billed as if I used the $200 which was added to my balance and I was reported to the credit bureau for going over my limit together with being late which I was not since they applied my deposit incorrectly and my credit score dropped They are frauds! I now have to fight this!!

I've had CreditOne Visa card for almost seven years and was NEVER late to the point they kept increasing my limit (for a fee, of course). I started with $300 and gradually went up to $1425. This past December was the first time I made the payment on the due date and it successfully went through, just like the previous 69 or so months. Days later I went online to check on the posting of the payment, I found out that it did in fact post on time, however, there was a $25 late fee.

Unfortunately, I can't get a rep who speaks or understands English therefore cannot understand my issue. I pay an annual fee, I no longer use this account, it served its purpose and helped me re-establish credit. I called to have the account closed, and will continue to pay off balance, I double and triple the minimum payment, they agreed but they still want to charge me a monthly fee of close to $9.00, an annual fee for using the card. I asked if the account is closed and I am NOT using it, how can you charge that fee? They could not answer. So they are continuing to charge that amount monthly, again a fee for "using" the card. What can I do?!

Without going into detail, 2013 was the worst year of my life. I was considering bankruptcy but decided to call my creditors and try to work out my finances. ALL of them with the exception of Credit One was willing to work out payment plans and defer late fees to allow me to pay my bills off without filing bankruptcy. I was asked to borrow money from friends and family members and if I had something to take to the pawn shop. Capital One on the other hand deferred late fees and accepted payments of $25.00 a month to allow me to catch my bills up. I have worked and earned my own money and paid my own way since I was 13. It is killing me to think I may have to default on this loan or file bankruptcy. It does me no good to pay what I can if they are adding a 35-dollar late fee every month.

I received my statement from Credit One Bank with the due date of the 1st of the month. My bank takes 2 days to send a payment. Credit One processed the payment on the 2nd of the month and charged me $25.00 late fee. I asked them to close out the account and they charged me another late fee to close the account even though I made the payment on the 16th of the current month. I would never use this Institution for any reason, not only that but I called them 7 times and asked to speak to an agent in the USA.

Open account = Instant fee of $80. Website = Horrible. Customer Service = Horrible. Trying to close the account has been made difficult to discourage you from doing it so they can charge more fees. Stick a hot poker in your eye before you get a Credit One account.

I just spoke to Credit One Bank. They contend I have a late payment. I don't. My bank pays them every single month on the first. I told them this and told them I have proof that it was paid. The woman, who I could hardly understand, kept saying I was late. Canceling this horrible card or transferring the balance to something else! Sick of Credit One Bank!

This Credit One Bank is such a rip off! I made my payments on time and they are telling me that I was late on one of the months I made my payment. I have everything on record. My payments are submitted before the due date but they posted my payment on my account late. Me, as the cardholder should not get penalized of their late payment posting. They are such a big rip off to the credit industry!!!!

I received a promotional letter and respond. I was given $1500.00 credit line and about 2 weeks later, I received a bill for $75.00. The bill was for the annual use cost of the credit card. My first payment is due 01/14/2014 and I have not even used the credit card. On the application there was no mention of a $75.00 annual fee. This is almost like the old "Bait and Switch" scam.

I received a letter indicating they wanted verification from my bank of $1,000+ plus payment that I had made... Well the only payment I made was $60.00. I called and when the woman (who barely spoke English) asked me my email address... that's not the address in her records, nor is it my DOB, my home address, my telephone #. She informs me that someone changed all of these things online, paid the bill with an obvious bogus bank account and then tried to charge $900+ at NewEgg.com. Well from a $1,048.00 balance, my balance is $3186.88. They are crazy scam artists. And what people were saying about being late with a payment... my son was away and I paid his credit card bill, except I paid the wrong one on the wrong date... They called him and called him a liar, and said they were bringing him to collections and all sorts of BS like that... Then they call and hang up and repeat and repeat.

My husband and I both have bad credit. We apply for the Credit One card because we need a credit card to improve our credit. Well, the first week we got charges only for card activation, like 80 dollars. We pay off the balance every time we use the card. But there is always an excuse to charge a little extra money. This month is an annual fee for 8 dollars plus 5 dollars fee for something else they posted in my transactions and even when we are not using the card anymore they're still posting transaction fees every month. I would like to recommend Capital One for those who need a credit card, to improve their credit. They are very honest company and they charge only what is fair. Credit One is the worst bank ever! The are offering me a credit line increase and I have to pay them for that. Isn't that crazy!

Got letter in the mail and was approved online and I'm still waiting. It's been over 6 weeks since I sent them back all the info they needed. I keep calling every other day and I get a different answer, that it's going to take another 10 to 12 days. Wtf. So I gave up. I filled out an app with CREDIT ONE BANK and was approved and had the card in less than 7 days total. WHATEVER YOU DO, DO NOT apply for their card.

My experience with this company was that if you are even 2 days late, they will call you and rudely harass you for payment. They don't want to hear you get paid tomorrow or that you will pay it online. They will demand payment while they have you on the phone. Oh, and don't bother misplacing your card because they will try and charge you $50 for a new one. A late fee was wrongly assessed to my account and after being on the phone for over a half hour with someone I could barely understand, they waived the fee. I finally got tired of the nonsense and requested they close my account. They did NOT and have so far added $300 in fees and interest to an account that should have been closed a year ago. They also harassed and called my wife upwards of 20+ times a day, with calls beginning before 8 am and well after 6 pm. If you can, AVOID THIS COMPANY AT ALL COSTS. It is NOT worth it.

The initial fee they charged for opening the account was changed without my consent and increased to $102.00 annually. There is no email address to contact this business. They do not respond to written correspondence. If you get someone on the phone, they do not speak ENGLISH & if you ask them to transfer you to a supervisor, they disconnect you. Their fees are totally usury & should be deemed illegal. I believe this company is owned and operated by the MOB. *I believe this company is owned and operated by the MOB.*

I put in an application with this company over six weeks ago. I checked on line and the website told me that the application is still pending. I call the customer service department on 12/20/13. I would told that the application takes three weeks to process. This includes the time that it takes to send the card to my address. Well now it is 01/02/13 (I need the card for Christmas travels). I called the customer service department. I got this rude customer service representative by the name of Rebecca. Not only way this representative very rude but she kept trying to talk over me. I informed her that it has been over a month and I have not received this so called preapproved credit card (which like many others on this site I thought it was capital one). She informed me that a letter has been sent to me because they need a copy of my social security card and/or a copy of my license. I told her that I want to cancel the process and to remove my information from the system. She proceeded to try to talk over me telling me trying to explain that this card is to issue to improve my credit.

FIRST OFF... I feel completely misled. I was under the impression that this was a Capital One credit card. But I'll take the blame for that. SECONDLY... Once I decided to call and activate the call, I was informed that I had a balance of $80 something dollars and had never used the card. So before I had even activated the card I owed them money?!?! THAT'S CRAZY!!! I will be paying off this credit card and closing immediately... There are too many credit card companies... Capital One being that don't charge these kind of fees! Totally uncomfortable doing business with a company that would charge such a large fee before I even had the chance to activate the card. NO WAY, NO HOW, WOULD I CONTINUE TO DO BUSINESS WITH SUCH A COMPANY!!!

A few months ago, my card was hijacked and used for purchases at Best Buy (like the others on this page), the equivalent of "Seamless" in Great Britain, other charges for cash advances in Las Vegas (where they say their corporate headquarters is, but it isn't, according to another poster - I have yet to confirm this), other charges in India, and several other charges. I live in Brooklyn and was nowhere near these places when the charges were made. I called right away, when they told me I had something like an $800 balance on the card, when I had not even used it. I expected to use it to build credit, so I always paid it off right away after small purchases. When I called, like all of the other posters here, I was sent on a long chain of speaking to many "supervisors", none of whom were passable English speakers. None of them could help me and seemed angry at me for not paying the bill. I told them there were fraudulent charges, and they told me, like the other posters here, that I would have to wait 90 days until their "fraud dept" could look into it.

I obtained this credit card from Credit One against my better judgement after reading the online complaints regarding ongoing billing issues, etc. Like other Credit One credit card holders, I have experience ongoing billing problems. Everything from their claiming not to have received payments, which my bank verified that they did, to Credit One NOT applying my payments correctly as I pay more than the monthly minimum. Moreover, I have filed a complaint with the Better Business Bureau which I am STILL awaiting a response and or resolution. This inquiry is to all Credit One customers who have experienced and continue to experience billing issues and or concerns. I am considering a class action suit against the company for robo dialing, etc. Please contact me via email **.

My husband applied for this card over six weeks ago we were told to send in proof of address done that over 4 weeks ago!! Still haven't received the card applied for discover card received it in ten days!! Will never ever apply or respond to CreditOne again over 6 wks. To get a preapproved card ridiculous!!!

I missed one payment and Credit One closed my Account. I averaged a 3-year payment history of $250 a month for three years and this is how I am treated. Meanwhile they charge me 23 percent interest....no problem. I consider myself a very good client. This is both appalling and insulting to my intelligence not to mention damaging to my character and credit score. Shame on you, Credit One Bank.

I had a pending transaction that had not gone through on my account, I returned the merchandise because I changed my mind. The 1st rep I spoke to told me it would be 8 business days to refund me, the 2nd rep who stated she was a supervisor said it would be 5. When I told the 2nd that I was unhappy and felt it was poor customer service, she told me "we are not the ones who made an error". When I stated I thought the company should expedite the refund process because I needed the funds to go Christmas shopping, and after all the transaction was pending, she stated "I was only unhappy because I was not getting what I wanted". I used to do customer service myself for several years and I am always sure to be polite and respectful. But the customer service reps at this company and their policies are unfair and not friendly whatsoever.

This bank is a total scam with outrageous interest payments and zero customer service. I applied for this card and got a bill before I got the card. I read the reviews and immediately cancelled the card, but only with several attempts. At least I hope it's cancelled. I'll be keeping a close eye on my mail.

Made a payment that shows up on their Site but the collection people (in India) say it does not show up and thus I am late and must make a payment immediately. Elevated to supervisor and told the same thing. I was looking at the Web page showing the payment being made on time but continue to tell me they do not see the payment. Asked for a transfer to a person in the US but was told I would be on a wait list for that to happen. Overall the call center personnel were rude and unsympathetic to my plight. They continue to read a script without wavering and without compassion. The consequence is that I made an additional payment that I should not have had to make, just before Christmas I might add!

I've had this credit card for years but recently, I've been paying and notice the balance wasn't coming down. I found out there had been some fraudulent activity going on. Three months later, it happen again.The representative was very rude as if it was annoying her that I was calling it in, and yes they hardly speak English which is very, very frustrating. I might have to close this account and risk the credit score decreasing. I'm paying for someone else purchases in another country and they don't notice or call to report suspicious activity on my account when I don't live outside of the United States. They're a scam credit card.

I am rebuilding my credit and after reading these reviews, I want to cancel my application. I made the mistake of thinking this company was with Capital One and obviously they are not. I fear that I'm going to get a bill in the mail back home instead of the Credit Card (I travel for work, my family checks my mail while I'm gone, so chances are a bill is waiting for me!). When I check the website, it says my application is still pending. How do I go about cancelling the application process? I sent an email, but I get the feeling that is not going to work. And what lawyer can I contact in the event this goes that far? I figured it had crazy fees but I would rather just sign up for another secured credit card to rebuild my credit than to deal with these people!

I’ve had this credit one card since February of 2013 and only used it for the first time in October. I kept wondering when I was going to get my first bill and then on November 18, I received a call from their collections department. I explained to them that I had not received a bill in the mail or via email. They said they could not understand that because all of my info was on file and verified accurately. I relented and assumed it must have been my fault. I then asked for a received confirmation that if I paid the bill in full at that moment, the past due charge of $25 would be forgiven.

Like EVERYONE on this site, within a month or two you realize that this is a scam bank. I was fortunate in contacting an attorney who is suing them under the banking laws. Incidentally, the address in Las Vegas they use is NOT a commercial location, and the people who answer the phones are in the Philippines. They used to operate under a different name in California. My guess is that it is a money laundering operation, and we do the washing for them.

This place is absolutely terrible. I lost my job back in 9/2013. I got an offer in the mail from Credit One stating, "You've been pre-qualified - $300 limit." Something told me it wasn't a good idea, but at this time I had no choice... I didn't have a job yet and I had bills I NEEDED to pay. So I got the offer in the beginning of October. Before I even got my card, I got a statement stating I owed $75.00 for the activation/start-up fee. "Yeah, yeah,” I thought.

I received an offer of credit up to $1500. But at least $500. This exciting as it was right before black Friday and I thought I could. Get my he grandchild some gifts without going into Debt. I found out you could check there website and find out the particulars of your credit card. How much your credit line was etc. With being disabled, and having a fixed income I was excited about this card. So I look the PR approved card up and found out I was denied. This is NOT fair. I was very upset and thought maybe I should voice my experience with this co. Good luck to other that are PR approved.

Always have a zero balance, then since I wasn't carrying a balance three months in a row, I suddenly have a balance of 8.25, with interest accumulated. I called them and spoke with Laurie and was told this is the new rule, the annual fee was now monthly regardless of use --- isn't this predator lending.

I have not used my Credit One card in a few months, & it has no balance. So, when I received a call from Best Buy questioning the mailing address of my new X-box, I immediately called Credit One to report the fraudulent charge. When I got to my computer, I logged into my account, to see my card maxed out with charges from Vietnam, Hong Kong, Cyprus, Great Britain, & of course the US @ Best Buy. I went through 3 customer service representatives. First, Credit One never contacted me about these psycho charges from around the world. Secondly, they will not take them off my account until they snail mail the merchants and ask for a written letter as to the circumstances of the charge. The process takes 90 days. I am going to Italy in 28 days. Now I have no credit card. Lovely. Angry is an understatement. I fought a good fight. I decided to call them back nightly.

I just had the worst experience with the customer service at Credit One. I never had a problem with them before because I had always paid my balance on time. I recently got married and changed my name. I couldn't make the payment online because the name was different from what is on my bank account. I tried to call and explain this to them. After several attempts to speak to someone who would be willing to help me. I spoke to a very rude "supervisor" who was only interested in collecting my payment over the phone for an additional fee. I tried to explain that I didn't want to make a payment over the phone just to have my name change so that I could pay online and avoid the fee. After that unsuccessful attempt, I hung up extremely frustrated.

Made several calls to Credit One Bank to complain about two unauthorized charges on my credit card and was told to send a letter to their dispute dept. This occur August 2013. I send two affidavits to the dispute dept. and spoke with several supervisors and reps all to no avail. I have been told five times in three months that they didn't receive my affidavits. I then wanted to speak to a manager and I was told all the computers are down and they can't look into my problem... I then asked for a fax number and was told that they didn't have a fax number.... BE careful, sounds very, very strange to me. I refuse to pay for the charges and have cancel my account with them as there is no one to speak to in case of a problem >>> JUST getting the run-around.

I have a money card that I pay my bills with, but for the last two months my partner (bf) made two payments for me using his cards (2 different) and they process the payments; no problems. Now there are saying that if I don't provide letters from his banks and my money card/debit card stating that the accounts belong to names on the card by mail in 25 days, they’re going to close my card and report it as fraud! I don't understand why a supposedly legit company does not have a fax line or cannot call the companies themselves to verify the information! How outdated are they?

My wife acquired one of these credit cards after she had declared bankruptcy. The hook was that she could restore her credit through use of this card. She has had this card now for over 9 years, and has paid faithfully on it, never having been late. First thing she noticed when she received the card was a $75 membership fee on the card, which was promptly paid off. She began using the card and paying the balance in full, but every month there was a monthly user's fee of around 9 dollars a month. After the card had been used for a number of years - and she was an active user - she decided to cut back on credit card usage. After four years of minimal purchases, the balance was reduced substantially, and she received a nice letter from them saying the credit limit on the card had been raised, and to apply for it, which she did.

I just got the credit card and before the date it was due they were harassing me 20 times a day. Starting at 8 am in the morning and not stopping till 9 pm at night. There is something wrong this company. I never have someone call me on a daily basis for any credit card. And they are always foreign and you can understand them. Now they tell me they are sending it to collection. I don’t think this is a legitimate company and they should be investigated. I have never been harassed this much before over a payment on a bill. It is nonstop.

Applied, approved. 12 days later, card arrived. $75 in debt from the get go. Paid the $75. Used the card, paid what I used on payday x3. So I used the card 3 times in one month, paid 3 times in one month. Log-in to check account, it's suspended. Call Credit One. They want my bank to provide a letterhead verifying my account. Has to be sent through the mail, not email. But they will request your bank/payment info right over the phone? So now, I've been without the ability to see my account. See how many ridiculous fees they've tacked on and not until they "verify" my account will they unlock my online account? Ridiculous. So, trying to rebuild credit. Now I have a dead weight card I can't use and they're going to "closed by credit grantor" report to the bureau if the verification forms don't show up in time. Stay away.

I pay my card off each month in full. Recently, I discovered fraudulent activity on my card and notified Credit One Bank. I was told that it would take 7-10 days to get a replacement card with a new number. I said that was unacceptable and was then told it would take 3-5 business days. I said still not good, most other companies provide a replacement card overnight, if requested. I was told it would take 2 days but they would charge me $20 to get the card! I said absolutely not and asked to speak to a supervisor. I was placed on hold and then the same person came on and said "this one time, we will waive the fee." I said the fee should never have been an option to begin with.

This is the BIGGEST mistake I've EVER made. I was attempting to repair my credit and thought that opening this credit card would help. WRONG! The first couple/few months were fine. Then, in September/October everything went to hell. I discovered that someone had gotten ahold of my information. They changed my log in info, changed the address, and ran up the bill. They even went so far as to make a payment to continue use! I immediately called the company and was advised that the card would be cancelled, the fraudulent charges would be reversed, and this situation would be under "investigation". (They returned only the very large payment that was made, but not the actual charges).

This company is a scam! I applied with them and from the beginning, it was a joke. Received the bill with $75.00 charge before I even received my credit card. Then was being charged a late fee for not paying on time. And when you call to complain and cancel this card, you get these people that can't speak English on the phone explaining things that make no sense.

My account was closed right after getting an increase for no reason after I had billed it up to 900.00 and being with them for 10 years. Spoke to them and wrote letters and as of yet have not received an answer to why this was done. This just happened this Aug. 2013. I'm a disable Vet and I feel very upset the way they have handled this situation; it is very unprofessional. I hope that someone there in Consumer Affairs investigate this matter. Something is very wrong with this company and I hope someone gets back to me as well. Thank you.

Most people who have bad credit will find that Credit One is the only non-secured cc that they'll qualify for. After the effects from my divorce left me with terrible credit, and a prospect of potentially struggling finding jobs due to that fact, I found Credit One would extend me credit (only $300 to start), but I didn't have ANY credit cards, so this was a good way, I figured, to begin re-building my credit. I would routinely use the card for things like gas and groceries, then pay off the balance twice a month (every time I got paid, I'd pay off the balance). It worked for a while.

I received my card in the mail the other day and called to activate it. I was told that I would have to mail in copies of my social security card and license and a utility bill. I asked the man (who spoke very basic English), "So I applied and was approved for a card, but now that I was approved I'm supposed to mail in documentation?" I told him to delete the account. He said it would automatically be deleted if I don't activate the card by 11/6. I guess I'm going to have to keep a very close eye on this from what I'm reading.

Had nothing but problems after I've had the card for three months. The first month, before the payment was even due, I got harassing phone calls and finally had to tell them to get somebody that wasn't lazy and pull the payment down because my bank showed that it was paid. I've now had the card for almost 8 months and the drama continues. I paid way over the minimum that was due and they have yet to apply the payment but yet and still they're charging "finance charge" fees, over the limit fees, and late fees. They will call and argue with you about what you have in your bank account, until you ask if they want a copy of your bank statement (yes, I went there). Then they'll say "that's not necessary."

I only gave Credit One a star because there's no icon for a vulture or black cloud to click. I opened an account with credit One in an attempt to re-establish my credit after some hardships and unemployment that negatively affected my credit in ‘08-‘09. So in August 2013, I received an offer in the mail from Credit One and with the logo and appearance I thought they were a dummied down branch of Capital One who I'd had an account with before and had a good experience with in the past.

I paid a $75 annual fee for the credit card and did not know that there are also interest charges of 22% for every purchase made. The interest fees do not get posted onto the balance statement right away. Now that I am closing my account, I have to pay the fees for August, September, and October which were not billed. I thought the balance that is shown when logged in is the actual balance but it is not. It did not show the 22% interest charge for every purchase made. Prior to closing my account, I have to call and get the pay off amount, much like paying off a mortgage. I ended up owing a couple hundred dollars for interests during the past few months which was not yet billed. I can't believe that there are so many complaints about this company online and nothing was done about it. I guess consumer protection really doesn't exist. I am very, very, very pissed off right now.

First, I returned some ink to Staples. They put the credit card, Credit One (CO). This was done on 6/28/13. I kept looking to see the credit and it never showed. I called Staples and they assured me that they had applied the credit and the bank sometimes take up to 30 days to post it. Then I called CO. They said it could take up to 60 days to post. End of August, I called CO again and was told they never received anything. I went to Staples and they printed me out a paper with the Authorization Number of the transaction that shows that the bank received the credit.

This company is a scam! I applied with them and from the beginning, it was a joke. Received my bill before I even received my credit card. Then was being charged a late fee for not paying on time. And when you call to complain, you get these people that can't speak clear English on the phone explaining things that make no sense because they already have the information they need. Also been trying to get access to my online account and they keep telling me I have to wait a few days. Makes no sense. They just want us to be late with paying so to charge us again and again. This company has to closed down because they are basically robbing people charging them late fees for one reason.

I have a Credit One Credit Card with a low limit. I was grateful to be approved as I am working to rebuild my credit and improve my credit score. Last month I paid off the balance of $392 in full, made the payment online with my debit card. I had not looked at my account for a few weeks, but I knew the payment went through as it was showing on my bank statement. With that said, imagine my surprise when I went to log on to my account this past Monday to find it has been suspended!

I have had this credit card agency since May 2013. I have to say this has been the worst agency I have ever had to deal with. When I signed up for this, I made sure that I could have a billing date of the 1st of every month being in the military and this is payday for me. The person (not English) I spoke with said this wouldn't be a problem. Little did I know this would be the beginning of numerous disagreements every month with these people.

I started with Credit One Bank in 2007 and at first I was making my payments on time and qualifying for credit increases (big mistake). This is how credit card companies wheel you in to being in debt. In 2011, I had some financial setbacks and tried making arrangements with Credit One. But they would not accept the arrangements, then I joined CareOne Debt Management to consolidate my credit card debts. Credit One would not accept payment from CareOne and continued to return the payments (I have the statements). Credit One continued to charge late fees and a monthly annual fee, which would total approx. $44 a month. The payment CareOne was sending was $25 a month. Interest gained was $15 a month. I continued to reach out to Credit One until the customer service representatives would become so rude and inconsiderate.

I get my bill from Credit One and I send in my payment. I get my next bill and there's a 25.00 charge before paying on the due date. They say you get charged for sending your payment before the due date. I get my final bill of 13.84 due on 9/28/13. It is 9/28/13 and they STILL charge another charge for paying ON the DUE DATE plus 9.00 to pay my bill. They are a money racket to try to keep making you pay. BEWARE!!!!!!!!!

It seems that all the phone numbers that you call have the same recording. I want to cancel my account with this company, so how do I do that? My account is paid off and I don't want to use this company anymore!

Applied for an account online and was accepted but since my credit limit was only $400.00, I chose not to activate the cards but within 2 weeks, I received a bill for $100.49 for annual fee, user fee and design fee. What a joke!

This company is outsourced, and you can't understand anything the customer service reps are saying, and you can tell they don't know what they are doing. They charge the customer 9 dollars to pay over the phone, 7 for Western Union, and 12 for Money Gram. If you do something they don't approve of, they yank your account and if you want to pay your bill, guess what, 9 dollar fee. And look out for service charges. They charge you for every single use of the card. I tried to close the account 3 times before they decided to close it without telling me after I had already ordered a new card to use it again, since it was looking like they weren't going to close it. 25 dollars for a new card and 75 dollar fee to use it!

I'm a customer. I do know they're a predatory lender now. However in an attempt to build credit, I took their offer after my Chapter 13 was fully paid and discharged. After a few months before payment's due date, the calls would start. From 8:00 am-9:00 pm EST. The calls come to my home and then cell phone about 2 minutes apart. This happens every 50 minutes or so non-stop for 13 hrs. In the spring and 8/2013 it was so bad, I threatened police action as I sat there with a bill not due.

I make my payment by phone...I'm not a fan of outsourcing to India... Nuff said.

I opened a card with Credit One Bank years ago when I was 19 years old. I paid them on time everyone. 4 years later, I couldn't pay it no more so I asked them that if I paid them in full, if I could cancel my card since I couldn't pay them any more and they said I wasn't allowed to cancel with them. My balance went up to $1100. Since I couldn't pay, they decided to sue me this summer. Now I am in the process of paying their lawyers and for some reason, they are stating that I had a job. I never worked before and never reported that I worked to Credit One. I've been disabled since the age of 15 and been on disability ever since I was 18. Like everyone else, everyone who I talk to from Credit One was foreign.

There are 3 reasons that I know that this Credit One Bank is not the card for me: fees, fees, and more fees that my other cards do not charge. I've maintained a zero balance with Credit One Bank over the past year. (1) Each month they charge me an $8.95 charge on my 0 balance for reasons I'm not completely sure; (2) They automatically charge my card a $30 late fee at the start of my payment due date and reverse it off my account if a payment is made by close of business; (3) They have been offering me a limit increase over the past year, but in very small print they notify me of a fee if I accept--who does that! I just paid my last $8.95 today (on a zero balance) and will be closing my account as soon as it posts.

I have had my card for six months plus and since the first payment inquiry, I have not been happy. None of the credit card customer service reps are English-speaking which makes it very hard to understand when the phone number you call them on sounds like it is under water. I have been late for the first time this month and I've gotten a call every hour on the hour seven days a week. The first 5 days of which I was in the hospital. The guy was so rude the first day. He would not let me even explain my situation. He just kept demanding my checking account information and I told him it was overdrawn and that is why my payment was late due to my stay. I would not take any calls from them after that issue.

Credit One is reporting a fraudulent card to collections. In July of 2012, I received a Credit One credit card in the mail, claiming I had applied for it. I immediately called the company and told them that I had not applied for the card. I was told no police report would be necessary, and it could be canceled before activated, eliminating the $94 annual fee. In the months following, I heard nothing from them, and assumed it was closed, until it showed on my credit report. I called several more times over the next year, until last month (7/2013), each time being advised that as of 10/3/2012, the "investigation was completed" and I was not found responsible for any card activity.

I too had the same thing happen to me. My boss got a voice mail telling me I needed to call a 866# and give them a claim #. The guy was pretty rude and threatening, telling me that they didn't leave a message, their "locator" must have. Said that I was accused of "breach of fraud" because I didn't pay my bill, and that I was in pre-litigation. They scared me pretty good, I called Credit One and was told that they sold my account to this place, so I needed to deal with them. When I called back, they said as long as I hadn't had any papers served to me, I was ok, and they would be able to work with me. I gave them my debit card #, but at the last minute, changed my mind and when they asked for the security code on the back of the card, I gave them a different one.

I was recently in San Diego on vacation. I had used my card at a duty free store on the US side of the border. When we got home, I called to verify my balance and found 3 fraudulent charges from Mexico on my card. I got a rep on the line and asked first of all for someone in the US and not India or wherever their call center is and was told they were it. A sterling example of where this country is heading and what is wrong with it. Why aren't their call centers in the good old USA where you can get someone named Jose or Fred to help you? Anyway, the charges had yet to post but were pending. I explained that I work for one of the largest banks in the world and we handle fraud claims daily. The service rep said they could do nothing about launching the fraud investigation until they had hard posted. I said that's insane as THEY ARE FRAUDULENT, READ MY LIPS!!!

I only had this card for 4 months and after being only a few days late, decided I would pay this card off and close the account. Their customer service reps (3 of them) refused to listen. I told all three of them that I would be paying this card off on a certain day. They kept asking for my banking information over the phone. I told them repeatedly that I WILL NOT give my information over the phone. They continued to harass me for it. So that day finally came that I could pay them off. I used their online system. The payment went through. They got their money. When I went to look at my account online they had temporary suspended it. I called them, they said they account had been suspended because I paid more than the amounts I usually pay. So I had to get them information from my bank validating that my bank paid my credit card. What the HELL!!! What company freezes your account due to being paid off?

I have been trying to pay off Credit One Bank for several years. I finally began to work with a credit counseling company that is consolidating my payments into one easy account while they paid off my creditors. However, the one and only company that would not work with them was Credit One Bank. They wanted them to be a member of another accrediting group that this counseling company had never heard of. Or they wanted you to use THEIR group.

When account was first opened, I was charged without having even activated my card. Fees were reversed and a new card reissued...I should have known then not to do business with this company. About a year later I lost my job and had initiated their CREDIT PROTECTION...Again problems...they had no clue regarding their own credit protection plans and services...harassment began. Finally Credit Protection payments kicked in...

I received my card 1 month ago with a credit of $300. I had forgotten about the $75 fee payment (which is BS) so I was late on that and noticed my balance was SUPER high. Point blank...I’ve read too many bad reviews on this card. I want to pay the balance off and close this card without incurring the ridiculous interest. SOMEONE HELP...is that possible? Is this how people normally pay off their balances? I want this thing GONE.

I have been with this co for over 3 years and never have been late. When I tried to log in to make a payment, it stated it was temporarily suspended. I called the number and after an hour of giving me the runaround, they decided to transfer me to an acct specialist. The call got disconnected. I called again and went through the same thing: when they transferred me, I got a voice mail.

I have had an account with Credit One for over 3 years. I have had no problems even when I missed a payment. No strange phone calls. Just paid the late fee. As far as using the website to make a payment they give you an option to pay at no fee but, your funds will not be available for use for 4 days. If you want your funds to be available sooner then you will be charged $9.95 your funds will be available next day. This is spelled out on the site. I have never had problems making a payment on the website. Sometimes I make a payment at Wal-Mart it cost $1.88 and the funds post in 2 days.

If they say there are fraud charges against you or that you are in legal trouble that is illegal, talk to an attorney and sue them. A creditor can sue you for breach of contract and only accuse you of fraud if you lied on your application, say about income, your age, address, etc. So, if they accuse you of fraud try to tape the calls, go to a lawyer and sue them. I have this card and it sucks, $8.25 a month is charged for the "membership" fee which is $99 a year. If membership has its privileges I cannot see what they are with this company. A $400 credit limit @ 23.90% interest and $8.50 a month fee is crazy. Cancelling the card.

I applied for a Credit One Bank credit card, based on my poor credit, and I think it's just scam and poor business. I missed a payment, they said, and I got charged all these crazy fees, but I made the payment. But they denied it and did not process it and so I accumulated all these charges, and was unable to make payments because of it. I tried contacting them several times. They put you on hold forever and nobody ever comes to phone. I believe my credit limit was 400 dollars. Well now they want me to pay 800 to 10000 dollars because of problems with payments and not able to contact them on the phone. Never sent me a bill via mail or anything or collections notice.

I opened a Credit One credit card with a small $300.00 credit limit and as others have said wound up with a balance to use cash of $245.00 after making one payment. I used the credit card and through a company that took my money from the card and after trying to solve fraud attempt I never received my purchased goods nor credit to my account. I called Credit One to let them know several times and they were to send the proper papers for the investigation and never did. Since then my husband has had a heart attack and I have suffered loss of work because of my health. I told the Credit One I was going to file bankruptcy and they still called me, my family, my friends and told them that I was in severe trouble with the law and I was going to be charged with fraud.

My bill was the due the 28th of the month.. I made the payment online a week and a half before.. They said it would take 3 to 4 days for payment to go through.. which I get.... Then on the 29th I received around 20 calls from the same number.. so I call it back and come to find out it was from Credit One Bank.. So I logged online to see why they was calling me. It said my payment never went through, And being that I get paid every two weeks, I had money again. So I placed another 30 dollar payment on the 29th.. That said 3 to 4 days transaction, hoping it would be 3 to 4 days. and they would catch their mistake......... Then the very next day on the 30th both payments came out the same day. Even tho it was for 2 separate months..

I received a pre-approval letter in the mail, so I went online to complete the process. I got a "Congratulations you have been approved" message, but then days later I received a notice in the mail requesting additional information. They wanted a copy of my driver’s license, social security card and W-2 or a utility bill. **??? Why would a credit card company need all of that? When I called them to question them, I was told they needed to verify my identity. I told them I don't even have the card yet, but you're requesting my personal information? Really?? Well, with that said, I will NOT be opening a credit card account with these people.

I have had credit one for a while now and was late 5 days once. Lady called was really nice. Told her making payment online next day. No more calls if you pay your bill. People doing their job won’t call you!!!

I paid my bill on time each month, ALWAYS paying more than the minimum amount. I paid my account in full and within 10 days I had 9 charges made in MEXICO to NEXTEL, which were within $24 of my account limit. These were fraudulent charges, and I received a letter from Credit One stating there had been a freeze to my account due to suspicious charges. YET, after 4 calls made to representatives and a letter of dispute, NOTHING. I am making the minimum amount of $25 to protect my credit, AND THIS CREDIT CARD COMPANY DOES NOTHING TO PROTECT MINE. Please, never apply. I believe they allow employees to access information regarding your account and allow fraudulent charges. They are based in Las Vegas and charges were made within days of paying this account in full, in Mexico. Credit One, send the written account of your investigation that I have requested...

This company plays with your payment for 4 days and if you don't want them playing with your money you can pay extra for an express payment. This is a ridiculous scam. How can we let these scum bags get away with this? I cancelled my account with the crooks. You should do the same. Merrick Bank is 1000 times a better and real company. Credit One Rot In Hell. Your time will come.

When our payment was three days late, the harassing phone calls began. A number calling me several times each hour (866-364-1639). When I answered the phone, no one was there. I finally called the number back and discovered it was Credit One Bank Collections Dept. They said if I would make a payment over the phone, the harassing phone calls would cease. I explained to them that our payment was late because my husband's father is dying and we lost track of our payments this month. I also told them that an electronic payment had already been ordered through my bank and they would receive their payment the next day. They were rude and uncooperative. What they were after was my banking numbers, which I refuse to give up. They told me the calls would cease but two days later they continue, more and more often. I called to tell them when they answer the calls that there is no one there. They explained that they cannot control what their auto dialer system does. Our phone is our lifeline right now due to my husband's father's illness and we are driven by this interruption in our solitude!

I had a account with Credit One Bank. I only had the minimum credit line of $500.00. I had a balance of $200. Some odd change. Well to beat all, they cannot call and threaten anyone with going to jail or being arrested. That is a violation of a fair credit act. As well if you send them a letter in writing that they can no longer contact you. You have the right to document their harassing calls.. If they contact you further you can have them fined up to $1000.00 each time you are contacted. Use your phone records. I just recently went through a debt consolidation company. It may vary from state to state. I am living proof that they cannot harass you or call your job or send you any mailings I'd you have asked them in writing to stop. You know you owe the company. All they want is their money. They are not going to take you to court or cost themselves any more expense. Make payments as you can of what you can. Always make sure you have a receipt.

Got a call from a local number asking for my information and telling me I had charges against me (which I was completely unaware of)... Gave me an 866# and a claim#. Called the number automated system said the company name was Global. The charges were for breach of contract and fraud. The gave me a few payment options and if I didn't pay, a "locator" would come to my house.

They have been calling me threatening that they have filed charges and need my info to serve me with paperwork. They have called my employer and have also told them about criminal charges being filed... Ridiculous!!

I've been with Credit One for several years and in that time, I've had several credit limit increases, some of which came with a fee and some that didn't. There are a number of fees associated with this card and the interest rate is high, but all of that was spelled out in the initial paperwork. I never saw any attempt to hide their fee structure in the terms and conditions and believe me, I examine this stuff carefully. I do carry a balance sometimes, but I also try to keep the card paid off as much as possible (and always pay at least twice a month and well over the minimum payment if I can't pay the balance) and for what it is the card has worked well for me.

After accepting the offer, I was advised of a time frame for delivery of my card - approx. 3 weeks. After 1 month, I called to ask about the status of my offer and was told the card had been sent on June 19, 2013. On or about June 27, 2013, I received a statement in the mail with the charges applied. I called again and asked about the status of the card and that I've never received a statement ahead of the card. I was told the card had been sent on the 19th of June and to expect 7-10 days for delivery - and that the billing statement always comes first. Today is the 10th business day for the expected delivery of the card. I did not receive it. I contacted Credit One again and they advised a new card would be sent with a new account number - again allowing 7-10 bus. days for delivery. I promptly asked to cancel my acceptance to their offer based on the poor service and high fees. They acknowledged my cancellation and gave me a reference number without asking... as if they are accustomed to this often.

I understand they are a hard lender type of credit card. However, they should have personnel able to handle something as sensitive and crucial as a credit card. I had a dispute with a vendor and every time I called, I got different and, as it turns out, incorrect information. The level of ineptness and incompetence was staggering. It is obviously outsourced overseas which if they are trained properly would be okay but this is not the case and it shows. I suggest strongly trying another credit card company. They could actually hurt your credit rather than help. My guess is this company will not be around long.

I was out of work for several months and got behind on my card. They added so many additional late fees and monthly charges that the balance soared. I was finally able to start making payments again, which I did to the tune of several hundred dollars, finally bringing my balance back under the credit limit. Looking at my account online, I saw available credit and decided to use it at the store to make sure. Sure enough, it was declined. When I called CreditOne to ask what was going on, I was informed that the account had been closed.

I lost my job and had to use my credit protection. When the credit protection ended, they canceled my card. They are still charging me an annual fee even though I cannot use the card. I am now working again, paying them off and will never do business with them again.

I tried, for a week, calling and trying to get on the phone with someone; tried their website for two weeks to get a payment to go through. I enter all my information and the website doesn't go anywhere. I am finally able to get a person on the phone and there's a $9.95 fee for processing the payment on the phone. They will not reverse the $25 late fee even though it was due TODAY and technically wasn't late.

I received a call from Credit One today about a recently opened credit card account. The first payment that I made online had several charges that were in question, but I paid them anyway because I truly wanted to make sure that the account was always paid and posted on time. While it appears that they are charging you for "paying your bill" and charging to make sure that it is posted as well, I paid the extra charges. So that meant that I was being charged for paying, and charged for posting. I tried to pay my second payment online. It would have been 4 days late because I simply forgot to pay it. When I attempted to pay it online the second time, the Credit One online payment process it was full of glitches. I tried to find out who I could call and where I could go to talk to someone about this, but I could not find any information.

This is what happened to me. I was robbed on Memorial Day weekend. I called all my credit card companies and they were quick to help and stop payment after the time the cards were taken. Then I called Credit One. Well to my surprise, I got a recording, yes, a recording letting me know that due to the holiday, I must call back on a regular working day, so I promptly cancelled my card. I have no problem paying this off, after all, I do own it. But what I do have a problem with is when they call me and I ask to speak to a supervisor, I am hung up on. And 10 minutes later, they call again. If it's the same person who I asked to speak to a supervisor, I am promptly hung up on again. This goes on all day long. This is not what I call good service. This is substandard and very rude people that they have working for them. Thank you.

I had a card with Credit One but when I became sick, I asked them to use my insurance to make the payments. The person on the phone started screaming that I can't file bankruptcy and I have to pay off the card. This went on for months, so I called OCC and got them to deal with Credit One. They closed my card and paid it off with my insurance or so I thought. Credit One keeps sending it to different collections; I am now up to my 9th Collections. I'm trying to find a lawyer so I can start a class action and shut them down. I will keep you informed. This has been going on for 4 years and it has cost me a home loan.

I received a credit card offer at the end of May. I made the mistake of applying for the card online without checking the legitimacy of the bank. Big mistake! I have never received a card and I have been waiting for over 3 weeks now. I called them when 10 days had passed and the card should have arrived. I gave them my new address because I had moved and asked that they send a new card. The rep said he would change the address and ship a new card. I asked to speak to a supervisor and the rep put me on hold for a very long time, only to eventually say a supervisor was not available.

My card had a balance of zero. I didn't use the card for over 9 months and had pretty much forgotten about it, just basically had it around only for emergencies. Then one day, I opened a piece of mail that didn't even have their name on it. It was just an IDE Script looking envelope. It said that I had an annual fee of $8 which I didn't pay on time, which resulted in a late fee of $35, which brought the total to $43. Then, 2 months of interest was also charged on top of the $43 to bring the total to $102.95!! I called to complain. Of course they don't budge at all, and I'm forced to pay. I cannot believe these people are allowed to operate. Credit One Bank is a predatory credit card company that operates way outside the lines of business ethics.

I ordered a credit card with only a $400 limit. I just needed a card for renting cars and such. This card came with surprises like not getting the card and getting a bill for $75 on a $400 limit. They must be out of their head! They don't state their business hours on the phone, just that I need to call back during business hours. If you don't get the card to activate, it seems like they shouldn't be able to charge you for something you never got or activated. Even moreover, they don't clearly disclose that there is a $75 annual fee. I would have never gotten this card had I known there was a $75 annual fee with 27% interest rate. What a scam. Stay away from Credit One Bank.

I received a pre-approval offer in the mail. I applied online and a week later received a letter asking me to mail them a copy of my driver's license, social security card and last 2 check stubs. I was reluctant, but I did it. Almost a month later, they claim to have not received it. Every representative I spoke to sounded like a foreign drone. No matter what I said, they kept repeating the same crap and asking me to send my documentation again. I told them that I would not do so and asked that they cancel my application. My suggestion is to stay away from them... a bunch of ** idiots. The more I talked to them, the more it all sounded like a scam!

What a ** scam!! They send you the free offer - give you $300 credit and when you log on to your account, the balance is $225!!! Good luck on finding a human to help you. Finally, I got Ravi ** who you cannot understand in Bangladesh that tries to defend their position. I had to cancel the card and I hope the scum bags did. We'll see. Do not get this card and everyone that reads this, please complain with VISA directly!

I have had a credit card from Credit One Bank for three years that I have always kept in good standing. I have not used it for a few months, as I was trying to not use credit to pay for everything. Recently, I have had occasion to need to use my Credit One Bank card. When I went to use it, the charge declined. I then spoke with their customer service department, and was told that I had asked them to cancel the card in March 2013. I NEVER authorized this to happen. I got this card when I was rebuilding my credit, and had to pay a $75 fee to get the card, a $25 fee to get a $100 credit-line increase, AND a renewal fee every year in addition. With all of these fees I pay, I certainly would not cancel this card! That would be like losing all that money from the fees I paid just to GET the card.

This company has horrible customer service tactics. They call my phone over 20 times a day at all hours of the day, 7 days a week. They never leave a voice mail and when I do speak with them, they are rude, do not listen, and do not do what they say. I have talked to numerous "supervisors" about the amount of phone calls and they constantly say they will put a note in the system that payment has been scheduled and these people will call me right back within an hour for the same issue!!! I have told them constantly that I am 6 hours behind them in time zone and when they call me, it is usually 2 or 3 in the morning!!! I have asked over 10 times to close my account and when I am transferred to that department, I am always disconnected.

I was trying to make an express payment on their website and it wouldn't let me make it. I then called them and told them I wanted to pay the card off in full, and that I wanted to have it done as an express payment. They said, "Fine, we can do that" and told me that it would post the next business day. I called them again today and it still shows that I have a balance. I in turn called them back again. They told me that my funds would not be available until 5/29. So if it's supposed to be an express payment, why does it take 8 days? They kept telling me that it states it takes up to 24-48 hours, but it says nothing on the website. Also, they kept telling me that since my payment is more than $100, it takes longer. But it says nothing like that on the website.

I have been calling Credit One for a replacement card which expired 3/13. After being told repeatedly that a card was sent, it is now 5/13 and they are still telling me the same thing. I always paid on time but they don't care. I requested that my account be closed, and they refused. I don't know what their problem is, but they need to be stopped!!!

I was going to write a check for my monthly payment when I realized the available balance seemed way too low. I checked my account online and noticed that in some Spanish-speaking country, someone has been making purchases with my card for the past few days. Omg, I immediately called the cc company and got a recording that pretty much said we don't care before 9 a.m. PST. How can no one be available to help right away in such a situation? As we speak, someone is using my cc and I can't stop them because Credit One won't spend the money to have operators available for this type of emergency. What exactly do I pay a monthly fee for credit protection for?

I have been making payments for over a year now and my available credit is so low as if I haven't made any payments on time. I keep track of my payments and I have been late only a few times. I closed my account because all my payments were not going towards the principal even if their APR is 23.9%. I am actually being charged interest more than that! This is ridiculous! I don't want to deal with them anymore. I told them I have no problem with my other credit accounts. Obviously, they are overcharging me!

I have called several times to get this resolved. It all started in March 2013 when they charged my account an annual fee of $8.25. I called and said I had cancelled my card and to remove the charge. They did not remove the charge and then charged a late fee of $24.91. Now my bill is $102.96 and they continue to call several times a day harassing me and my mother. I have tried to say, "Hey, you're the one in the wrong!" and they will not cooperate. Could someone advise me on how to take care of this? This company should be shut down. I know they are never getting a penny from me!

Credit One is the worst company to get a credit card from. Please listen to this warning. I am not late on my payments and they have called me to harass me anywhere from 5-12 times a day. When I pick up, they do not answer. I have just blocked them from my phone. I wanted to pay this credit card off because it is so bad that I started making automatic payments through my bank at $10 a week which exceeds my minimum payment. They charged me late fees at $35 each time. I called to speak with someone about it and they were very rude to me and told me, "You will never pay off your balance and we will keep charging you a late fee." In other words, they told me that they did not want me to make 4 payments a month so the $10 just before the due date was not the minimum payment that justified the late fee. Then they started applying my payments as much as 9 days later, sometimes 7 or 5 but it was always to delay it so they could charge me a late fee which in one case held me over the limit for 2 months which included more fees.

I was trying to process a payment for my card today, 4/30/13, for a bill due on 5/6/13. The balance on the card is $402.97. The payment would not go through online after several attempts so I contacted customer service. They told me they would "waive the processing fee" since I'm making a payment online which I'm doing so because of a glitch with their system. They then told me there is a payoff fee if I want to pay my card in full which is based on the "interest". I asked how, if I am paying my card in full, could there be any interest? I said what they are actually doing is charging a "fee" and where is it written that this is their policy. I also asked to speak to a supervisor who was not any more helpful.

I was out of town at a funeral for a month. I knew all my bills would be paid late until I got home. My Credit One bill is just late, but when I got home, I had 132 calls. I get back to my office and another 30 calls. This is just plain harassment. I spoke with two ** at Credit One and told them I mailed all bills out on Wednesday. They said it takes ten days to post it, that bit is coming. You would think Credit One is a ** and its employees their **. Damn, I’m expecting these ** to send ** to my house to get a late payment. This company is no better than some ** in the ** harassing their **. I signed up for a credit card, that doesn’t make me their ** slaves. I am taking my cell phone bill and my answering tape to a lawyer to see what I can do about this aggressive harassment, and if I can, I am going to file a law suit against these ** at Credit One! Lincoln freed slaves in 1865.

I made an express payment to my credit card to pay my full balance via the website and paid an additional $9.95 fee for the express payment. I printed out my receipt that stated my funds would be available the very next day. Well, I went to double check to make sure of my available credit and it only showed $35, even though the full payment had already been deducted from my bank account. After hours on the phone with the company and the runaround with over five phone representatives, the issue has still not been resolved. I believe their practices are illegal and fraudulent and not in good faith or fair dealings, and this company should really be investigated. And I'm also going to file a complaint with the Better Business Bureau.

Everyone check your statements! I have been a member for three and a half years. When I signed up, I accepted the annual fee for having the card of like 45 bucks. (I admit that my credit wasn't the greatest so I was trying to build it back up.) Keep in mind that I have never been late. I paid off the card 2 months ago but recently, I noticed first a $12 charge 1 month and then a $8.25 charge the next, labeled annual fee. When I called, I found out that the annual fee had been dramatically raised and that it was separated into monthly payments of 12 and then $8.25. The lady couldn't explain why they were different. She just said that it had started 4 months ago (my fault because who reads all the junk mail you get if it is not a bill right?). Anyway, that puts the annual fee somewhere between $90 and $150 a year. Rotten... I, of course, canceled the card immediately even when they offered to waive the monthly fee for three months.

I received the card in January 2013. I paid my bill on time each month. This weekend, I tried to use my card and was told by the cashier that my card was declined. I called the bank Monday morning, only to be told that my card was suspended due to suspicious activities. The rep went onto explain that there will be an investigation, and that I will be issued a new card with a new number; but I must make at least the monthly payment on the card until the investigation is complete. If the investigation proves to be fraud, the charges will be reversed. After reading the other stories, I am not too hopeful about the investigation. So, I would like to know how to start a class action lawsuit against this company.

In my book, this bank is conducting usurious and predatory practices. I was given a card by them with a limit of $500. Right off the bat, they charged $75 annual fee. If you believe in the saying, "What is good for the goose is good for the gander," they charge almost 24% interest on balances which will cost you and me almost $93 the first year. Then somewhere in their umpteen pages of agreements, it is said that the fee will go up to $99 a year, but to be understanding of the customer's financial situation, they will split this into monthly payments of $8.25 a month.

In Oct. 2012, someone in Memphis, TN obtained a credit card in my name with most of the personal information correct, but not all. I was referred to their fraud dept. and on Feb. 15, I was told that I would receive an affidavit to fill out and return with a copy of the police report within 30 days. As of today, Mar. 18, I have received nothing. I called again today and, just like the last time, I was told by a recording that they would get back to me in 48 hours. They have damaged my credit score and don't appear to help correct it. I live in Southwest Virginia and have never been to Memphis, TN. Is it possible to sue these people? Had they checked the information, they would have known this was an impostor.

I canceled the card which had a balance on it. I told them that I would pay on the card every month until it was paid off. What they continued to do was charge my account for an annual payment every month and a late fee even though I canceled the card. Nowhere do they state they would or could do this and nowhere do they state they have a right to do this. They are the worst! Don't get this card please. Read this complaint first! They harass you when you are a day late. They charge super high monthly fees and their service center is India! I am right now on the phone with them and I have been transferred 14 times. No one can give me a straight answer. They all lie. They will transfer you until you get tired and worn out by their **. Then you give up. The Indians from India have millions of followers that they can and will transfer you all day and all night.

I received one of the pre-approved applications and did not do my research before applying. I've never had a credit card before so I guess you can say I was the obvious target audience. I don't think I've ever gone through so much harassment the last week because of a late payment of $25. On top of that, I got charged another late fee of $25 increasing my minimum payment fee up to $50. I was waiting on my first paycheck from my new job to go through. That week alone, I received about 8 calls a day during work. I made the mistake of answering one of the calls which you could tell they outsource to other countries. It was a man from India who was super rude, demanding my debit card and account number. I told him I would make the payment at the end of the week, but he kept insisting "since we are on the same page, just give me your account".

I made my payment on the day it was due. I paid the balance in full. I used the express payment and paid $9.95 for the funds to be available the next business day. I was actually just wanting the funds to be taken from my checking account immediately. I logged in to my account the following day and was not only charged the $9.95 but an additional $25 late payment fee! I also noticed I only had $59 available for credit! Their response was since it was paid from my checking account, only the first $100 was available and the rest would be available in 7 days! You can make a standard payment for no fee and the funds will be available in 4 days! They waived the late fee. Where is the other $49 of the $100 available? They have no idea!

I have no association with this bank and do not owe any money to any debtor. I have a new SIM card with H2O Wireless and since then have been receiving calls night and day and a few at three in the morning. I keep getting calls from 800-322-2307 and one from ER Solutions, which is supposed to be a debt collector for COB (877-825-3242). I tried to answer and automatically the caller hung up. There is no means to tell them to stop harassing me. I am on the Do Not Call list and still getting calls from them.

I cancelled this account back in October of 2012 and am in the process of paying it off. I am still being charged annual fees even though the card is not being used. I feel this is very unjust as in as much as I want to pay this off, I still incur annual fees so it is almost like a purchase every month and takes away from my payment. Is this really legal? I can't seem to believe that they can get away with this on a card that is cancelled. Please let me know.

I was approximately one week past due. Payment due was on the 6th and I did pay out of my month end check so I was going to pay on the 15th. I could not log in so I called back on the number displayed on my cell phone since they call at least 6-7 times a day. I was going to pay slightly over my minimum. Then the guy got me to pay a little more.Then the supervisor tried for more. Initially, the phone agent assumed that I was going to pay my complete balance? Someone indicated that they spoke to a Sean? I've never heard an American/English name used for anyone at Credit One. They're all Indian or Pakistan names.

After getting behind on my payments for two months, I was getting no less than 20 calls a day from Credit One Bank and it was on at least 20 different local and short distance phone numbers ... let that sink in for a minute ... for two months. I was in a position to handle my account with them. I called in and made an agreement on the phone to pay the account in full if they remove the BS $35/late fees. She agreed and then I paid it all in full in one payment. I immediately asked to confirm I am paid in full and this would stop the ridiculous daily calls, and the representative said, "The account is paid in full, and this will stop any phone calls!" This company hides behind firewalls.

I lost my job and got behind in my payments. In December 2012, they offered me an arrangement that if I paid $125, they would waive the late fees and my account would remain open and report to the credit bureaus as being paid on time as long as I continued to make my monthly payments. I pulled my credit reports in February 2013 and found out my Credit One account had been closed. When I called the bank, I was told it had been closed in November 2012, a full month before the arrangement. After speaking to a supervisor, I gave up and decided to just keep paying the monthly payments on the closed account.