Credit One Bank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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