Credit One Bank Reviews

Opening an account with Credit One was the worse decision I could have ever made. In 2019, I had an unexpected events happen back to back and couldn’t maintain the payments. No help was offered, they put me into collections and then sold it to Mandarich Law Group. THE ABSOLUTE WORSE. Worked out payment plans, they didn’t take my payments through my card, claimed I never tried to pay and at some point tried to garnish my wages for a payment of 1k?! I paid it. So glad to be done with both Credit One and Mandarich. Please wait for a better offer before applying to credit one.

Okay, credit one is very good, BUT their customer service is HORRIBLE! They have NO knowledge of how to interpret what an American is telling them! That being said is enough! Get more English-speaking reps!!!!

This company is not customer friendly. I called them to discuss how to correct a honest mistake made when paying off my credit cards with them so that the transaction could be completed and paid and full. I explained the situation including that the money was the last of what I had so that I can be done with making payments to them, and they shared that although they could waive the late fees for two of the cards, I would be charged with a $39 processing fee for all three accounts. I would think if a customer is attempting to pay off their accounts, they would work with them. A $39 processing fee times the interest is ridiculous!! I am glad to be done with them!!!

Avoid the Credit One Credit Secure Card. I obtained a Credit One Secure bank credit card in December 2023, and everything was running smoothly until recently. I made a change to my bank and cleared my credit card balance using my new account on the 16th of this month. However, Credit One Bank is currently withholding my funds and has refused to credit my account until they verify my new bank, as they consider the payment a risk due to the different payment methods used. They informed me that they required a bank statement or a letter from the bank to confirm my account, but my new online bank stated they do not issue such documents, though they offered to confirm my account via a three-way call.

Bad experience with the company. I will never recommend it to my family or friends. They froze my account once I made my first payment and now I got to show them proof of my bank account that I paid it with. Ridiculous.

I never contacted this company and they have been blowing up my phone calling me. I've blocked about 15 different #s of theirs and they keep coming. Apparently I'm gonna have to take my time to tell them to stop calling when I never requested they call in the first place!!

I would stay far away from this credit card company as possible. This company has really ruined my credit. I was paying on time yet the bill would never come down. It kept going up and I could not understand why because I paid it off and they tried to say I did not so they lied and now they are trying to get me for over $1000, and it’s now affected my credit score so bad, so no I would run away!!!!

Terrible credit card bank. I had fraud on my account. Next day my account didn't exist because they didn't want to do the work. Good thing I have better cards elsewhere. I will never use them again...

This bank is harassing me. They are the true stalkers. Even if I block their number because they CALL AT ANY HOUR OF THE DAY, they call me from another and I was just late for $90. Like WOW, just frustrating. They have 0 boundaries at all. I know I have a responsibility to pay what I borrowed but stalking and harassing a person is not the way to go.

The company sucks and the customer service was so terrible. When they changed my card to a new, They won't give my previous report from old card nor breaking down the beginning balance carried forward to new card. Very terrible. Did not provide transparency for the statements. This is the reason I closed my account with them. Also, I had an overpayment in their card, yet they won't send back my money. If there would be a no-star at all, I will give you that instead of 1 star.

Credit One sucks!!!! I was approved for $300 a few months ago. Activated the card and everything was fine until this month. Every month I pay the card in full. I paid the full balance, paid the $7.95 express payment fee. Noticed my available balance was still zero. I called. They told me I had to verify my identity. Sent them the requested documents. Denied my utility bill because it had my service address as my residence but it also had my po Box address on there because I don't get mail at my residence. They said that wasn't good enough. I am still fighting with them to release my available credit. They aren't making any money off of me in interest because I pay the card in full each month way before the due date. I said this to the representative and he told me, yes it's possible that's why they froze my credit so I can't use it. I am closing the card tomorrow.

Absolutely the worst credit card company out there. My wife was approved for Credit One's American Express. She received the card and activated it. A month later she tried to use it to purchase something and the card was declined. When she called Credit One to ask why the card was declined, they told her that they had cancelled the card because she hadn't used it. Absolutely ridiculous. She applied with a different credit card company and upon receiving her card called to confirm that she didn't have to use it right away. The customer service rep couldn't believe that Credit One did what they did.

If I could give a zero rating, I would give that. I have nothing but negative to say about Credit One bank and would NEVER NEVER NEVER recommend them to anyone--even if that person had a 2 credit score. I would advise EVERYONE WITH A LOW CREDIT SCORE TO get a secured card for $100 or $200 (save your pennies until you have that amount), buy something for $10 or $15 that you can easily pay back BEFORE THE STATEMENT DATE, continue that process for 5 or 6 months--you will eventually have a card that becomes unsecured and you can continue to build your credit from there (Open Sky is a great example--also Capital One). CREDIT ONE takes advantage of those with poor credit by charging high interest fees and high annual fees.

Horrible card to have. Spoke to a customer representative regarding a fee. Which it he couldn't remove. I also had a few other questions regarding the card but couldn't hear him because his dogs were so loud in the background. The only reason why I have a Credit One card is because I thought I was opening a Capital One card. Also, it takes about 7 to 8 business days for a payment to come out my checking account. They know actually what they doing.

Nightmare. I had switched over to a different account for my bank and unfortunately the auto pay was trying to withdraw out of that. When I finally caught it they canceled my account and I explained to him on customer service and they said it was not reviewable and not able to be restored. It's not like I didn't have the money. My money is just not good enough for Credit One. Basically the feeling that they give you is like you're just coming out of federal prison. And you're on probation. Well they can kma I will not endorse them ever. If you ever remember the Keystone cops and their customer service is equivalent to that. Stay awake at all costs

I got the card and after making a payment from my bank account they locked the card without notice. I called and they wanted bank statements. I sent that information and the card is still declining. Wouldn’t recommend this card for anyone. DO NOT GET THIS CARD.

Horrible company. They do not have functional working Fraud text message system. They lock your card after you pay the balance in full. Then give you some lie that it is the merchant. My use at Target (NATIONAL) store should be a problem that you BLOCK the card! They are SO horrible. Run away!

Credit One is a a shady credit card company who have morons working for it. I had 2 accounts with them. I overpaid one of my accounts with them and I was penalized with a missed payment due to their mistake. When I asked for the mistake to be corrected, they mentioned that in a review they could not change the mistake even though they caused the mistake. My credit score was affected and fighting now to have mistake taken off credit report. Do not acquire a credit card from this company or do any business with this company. This are shady and dishonest.

I made too big of a payment from the account I make every payment from. They can see that they have my money and won't take the restrictions off my card no not a purchase a payment. Now I have talked to 23 people and every last one is useless.

This card has done NOTHING to help my credit at all. The only reason I signed up for this card was to help improve my credit score. When I make a monthly payment, I am still going over my credit line due to all of the additional charges from Credit One Bank. I am not even using the card but yet I am over the limit and all Credit One Bank does is report me to the credit bureau for being over my limit. Why doesn't the monthly payment include these "additional fees" so their customers who are already struggling to get their credit score back on track can stay within their credit limit. How is this helpful? The interest rates and late fees they charge should be against the law. I just closed my account because this is hurting my credit NOT helping it at all. What a damn joke!

I accidentally scheduled a same day payment on October 29th 2024 for the full balance. Noticing my mistake an hour later I called Credit One to cancel the payment. Which they informed me they could not and to contact my bank to have the payment stopped. Before going through with contacting my bank I called creditone again to make sure they couldn’t cancel. They once again said they couldn’t and to contact my bank. So I did, I contacted my bank and had them put a stop payment on the payment to credit one. Being the person that I am I contacted credit one immediately after contacting my bank, I asked for a supervisor and asked why I couldn’t cancel a same day payment when they have let me do so before and the supervisor said since it was a same day payment that it couldn’t be canceled.

I've been with Credit One for over a year. I started off with a $500 secured credit card, and about three months ago I received a credit offer of $1500 in the mail via USPS, which I accepted and was approved for. Unfortunately, since then, I have not received the card, and I have called several times but to no avail. Over the course of these three months, I've talked to multiple representatives who said that the card was sent out twice, but I doubt they are telling the truth. My mailing address, personal information, and 2FA text codes on the account were verified each time. Yesterday, I talked to a supervisor who told me he would send out the card via FedEx and that a tracking number would be provided, but I have yet to receive electronic notification of this.

I made my first payment to pay off the balance. They blocked my card so I could not use it. They need verification the payment came from my account. I sent the verification and they still would not release the block. They took an annual fee. I paid and now can not use the card. They stole my money. I called, asked for multiple supervisors, was on the phone for an hour and then they hung up on me. Very poor customer service. Do not get a card from them.

Like most I have a Credit One credit card to rebuild credit. I did have a late payment towards the beginning but have not had one in almost 2 years. My biggest issue is their reporting practices to the credit companies. I am well aware of the 30% rule however emergencies happen. This is why we have a credit card. When I use the card and go over the 30% usage. It is reported to my credit bureaus immediately. And by immediately I mean within three days. Like I've used it on a Friday and by Monday it's reported to my credit. Before the end of the billing cycle. Before the bill hits. Before I even have a chance to pay it. I.E the payment is not late. If I had the money to pay it off in three days I would not have used the card. Even if I was planning on paying it off the next month. My credit score then drops 40 to 80 points. Each time. This is not an exaggeration

SCAMMERS, they lock your card systematically to make you pay for it, which also destroys your credit. DO NOT do business with Credit One Bank, go to Capital One bank instead. At least they are serious.

Terrible bank! I paid off my balance, which was under $300, and they kept the money yet locked my account until I sent a bank statement proving the payment came from me. Their call center is in the Philippines, so you can expect significant language barriers should you ever need to discuss your account. CreditOne is an extremely shady and unorthodox financial institution!

CREDIT ONE BANK has horrible customer service, you call for a a problem and they compound the problem. I started with them used the card the first month I paid the bill on time and then they cancelled the card. I am convinced they want pissed off customers. Now I get a bill from them monthly. The obvious solution is to pay the whole balance off and close the account which I will do the first of next month, regardless you get on the phone and they just argue, they don't listen and the person I spoke with spoke very poor English and was obviously reading a script. DO NOT RECOMMEND THE CARD. Hindsight is 20/20.

They take way too long to take money out, they have a fee for everything and their customer service is actually useless. Over them. They just keep repeating the same answers like it's a script and they're actually useless when it comes to solving anything. I've never been so annoyed at a bank until I met them.

Received a bank statement from this SCAM CreditOne Bank for the card I NEVER applied for. They are showing a charge of $75 for annual fee. This CreditOne bank is PREDATORY business focused on EXTORTION of money from unsuspected US citizens. I tried calling the 'customer service' number. No live agent. Don't enter any info, not the alleged account, no social, nothing. They will use it against you. They will claim you provided the info during the application process. This scum knows how to work the system. Don't fall for it. Write them a CEASE & DESIST letter and send a copy to US DOJ and FBI. These CreditOne bank people should be prosecuted and executed to the last one scumbag. Next prosecution is about people who sold them my information.

How do you approve a Lucent, send them their card & then advice them once their card declines that they can't use their card because they need more information. That is unprofessional & needs serious work in the steps of protocol in the approval department. You can barely understand the customer service representatives because of their thick accents and condescending tones. I now understanding why this company has a plethora of law suits going on. I will NEVER recommend them. And honestly they need to be shut down.

I'll never get these cards again. Closed these accounts 6 months ago. The interest, just keeps going up. Never once raised my credit, but raise of how I owe. Had these since 2017. The interest went up since. 24.9% to 29.9%. This is out of control.

Jerked around and lied to by the customer service representatives. They keep changing their story when I attempted to make payment arrangements to pay off my credit card debt. When I initially called them earlier this week I explained to them that I was going through financial hardship, Credit One Bank told me I would only have to payback about half of my outstanding balance as long as by 1/7/2025. I called back today to confirm and their service representative acted like he did not know of what I was talking about. He said finally found a fee waiver. I then asked if he could send me details of fee waiver to my Gmail or regular mail. He then put me on hold and told me he could not the system won't let him. Will see what happens. I'm doubtful they will keep their promise. Credit One Bank also would bother me by calling me 6 to 7 times a day wanting payment, unwanted irritating calls.

Garbage bank and Amex card. Amex express should cancel their partnership. Real quickly as I don't want to waste any more time on these people.

Terrible. They do increase your limit from time to time but their rates are high. You do get cashback on VISA and if you get an AMEX that cashback automatically goes towards you balance after 30 days (you cannot do it manually). You can only make 5 payments towards your card per month and you have to pay $7.95 if you want the payment available immediately. However that's not my issue: my main issue with Credit One Bank is how unreliable their customer service is. I've had constant security issues with my card where I'll be the one using it and it gets declined for fraud. No matter how many times I've called to verify that it's me using it, eventually I have to callback to reverify over and over again.

Terrible, no way to contact customer support, they don't offer email, speaking to a rep is out of the question. Absolutely 10/10 would not recommend. Credit limit is too low to make it worth dealing with not having any contact options and such a high yearly fee.

Scam! So they closed my account because I wasn't using the credit card for so long. And then they charged the annual fee but they refunded the annual fee because they closed credit card so a month later they reopened the card account recharge me the annual fee at 75 dollars, you didn't charge me a late fee of $30 and then when I called to ask them why the account was back open and told me that I opened it through the mobile app which I never downloaded because I never used the card. So customer service contacted me to see why I haven't paid the bill and they just gave me the runaround until they put me on hold but it sounded like they just set the phone down because I could still hear commotion in the background but nobody was talking and they said they kept saying if I hung up in the account will continue open.

I have absolutely no problem with the bank itself. I pay my credit card on time. They continue to increase my limit, it's great. My issue is with customer service. On August 8th there was fraud committed on my card, so they cancelled it and sent me a new one, wonderful, they even said I would receive a $200 convenience check. Prior to sending them I updated my new address with the woman on the phone & she told me that there is nowhere for her to enter my apartment number which made no sense to me. So there was nothing I could do, I waited 2 weeks & the leasing office nor me received a card or the check so I called back & that person updated my address with no problem & said that they resent both items.

Absolutely horrible, have had this card for 9 months, zero balance every month, credit limit of $700. I was hacked for $81 dollars, they cancelled my card, sent me a new card, and suspended my account till I prove, I am me. Ok fine!! Well since I am a travel nurse my driver's license home address will never match the address where I live in the moment. Because of travel tax status.. my driver's license address is my home state. I gave them my current lease, Social Security card, birth certificate, and a paystub all matching same address they still wouldn’t unsuspend my account because simply my driver's license address and my lease address do not match. Even though by federal state tax laws, I cannot Work within 100 miles of my home address,. and must keep a home state for tax purposes. WTH!!!! Been dealing with this for over a month now. Over it!

The worst company to go with. Just file a complaint at ** or call 1855-411-2372... You'll thank me later. My experience was the complete worst with them. They don't listen. Their customer representatives are the worst. Majority of them there. A few goods though.

If I could give zero stars I would. I opened an account with them and they did not require any documentation. I used the card PAID the balance in full and even paid the 7.95 to do the express payment. When I tried to use the card the card kept getting declined and when I called they said to try a different merchant. On Monday I checked the balance and my available balance said ZERO! I did not even use the card after paying it in full. I called to speak to a manager to ask why did they not ask for documentation prior to use or explain that I would need a utility bill in order to show proof of residence I would have never even gotten the card as I don’t have any utility bill to show! I asked could I submit a phone bill, auto insurance bill, car note bill, or any mail with my address on it I was told no. If I had known this I would have never opened the card with credit one. They are a scammers.

Based on a recommendation, I decided to go with Credit One, hoping that the company would stand up to the level of integrity that I was expecting from doing business with them. It was after two years that I found out that I was in a manipulative situation and taken advantage of with a secret “plan protection fee”, that they were charging me every month for almost two years. A plan that I never opted in for. I called to make a complaint, and when I asked to speak to a supervisor, they put me on hold, and then hung up on me moments later. I called a second time and the same thing occurred. I called a third time and immediately asked for the representative's name, and this time they didn't hang up on me, but connected me to a supervisor.

This card really sucks. Been having the same problem everyone has been having since September 26. My card keeps getting declined. I call and have to upload two forms of ID so I did and they still giving me the runaround.

I've had this card for maybe about 9 months. I called to go to credit increase because the amount was only $300. They told me no which I make over 4,200 a month and they wouldn't increase my amount. All my payments were made on time but it is not a good card to have. Even my bank told me not to get it so be aware. Their rate is 35 points some percent. Bad customer service. Bad card. They chose to close my account because I got mad because the increase wouldn't happen. What do they expect people to do? Stay for a $300 credit not worth the trouble and the fact that they charge you $9 be if you do it over the

Horrible experience! Changed my name and address on both cards! Cut off one for fraud! Over a month of uploading extensive documents and still having to wait 7-10 business days for them to verify documents! I moved states. They won’t accept the paper document the state of Ga gives you. Had to wait 3 weeks for plastic DL to come in the mail. Completely outrageous! And the other card is still active! If you are so worried about fraud why wouldn’t you cut both cards off??? When I asked them over the phone to verify where my other statement was going they would not verify my own address to me! Once paid off will NEVER do business with them again! Been a loyal customer for over 10 years!

Pointless customer who can not help when the card gets blocked for no reason. Cannot unblock security when there is no fraud and even when you call to say they are approved. No other recommendations but the same repeated nonsense.

Don’t ever get Credit One credit card. Every transaction they will put hold on your card for days even if you call and say you authorized it and if you call beforehand and let them know it doesn’t help. They still put block on almost every transaction I made. I made a halfway payment and it was rejected and they wouldn’t tell me why I had money in my bank to pay the amount. So they just decided to shut down my credit one account altogether and I would have to wait for new card. This bank is a joke.

Credit One bank will misrepresent the facts at every step. This is a predatory lender. You might be tempted to apply to help your credit or to buy that item that you've been wanting, but do not fall for the bait and switch. A sparkly new purchase may feel good for the moment but they'll make sure you pay for it for years.

I reviewed my Credit One Account with my Accountant & we found they were "illegally" charging me since day one for Credit Protection. I have NEVER signed up for that service. We researched & found that they have did a number of Fraudulent things in regards to Consumers accounts. I am going to take Legal Action for years of Stolen, Unauthorized Fees. Don't trust this company.

I have a Credit One Credit card. I have had no problems in using the card until recently. I have been declined twice because of fictitious purchases. This happened on Saturday, September 28, 2024 both transactions. Now, they are telling me that I can't use the card because of fictitious purchases. I'M NOT A FRAUD OR FICTITIOUS!!! I'm the one using the credit card. I'm very upset and this is unacceptable and ridiculous! I'm ready to file a lawsuit against Credit One.

It's hard for me to write a review without prohibited rude words. An incredibly bad bank, I've never seen anything like it. There is no online support, it is not clear how to top up your credit card with a transfer from another bank. I add the details of the bank and account from which I need to top up the account and in response I cannot process the request. This bank is also not available in Zelle.

I got a letter in the mail from them saying I was pre approved and since my credit hasn't been so great for a while and I was looking for a cashback credit card. I decided to go on the site and use the offer code. When I read all about the card in the mailer I received, it didn't say there was a yearly fee and it also said there was a promotional offer. If you spend $500 in the first 3 months you get $200 cash back. Long story short I made a purchase of $1025 after getting the card on May 31st. So after August 31st after all not seeing the rewards on my account I called and spoke to someone. I had been on the phone for a while and he said he would try and take care of it for me and put me on hold. After a while I got disconnected. No one ever called me back. I called again and the representative said there was no cashback offer on my card and kept arguing with me.

Worst card you could ever get. I highly recommend you pass this card, this bank is garbage. Look elsewhere for a credit card. Will never use them ever again. They sent my account to collections then tried to sue me. They can go get bent.

I would give no stars if I could, extremely predatory company. They allowed a fraudulent charge that was TWICE my limit to go through, even AFTER I called and told them it was fraudulent when I saw it pending. I paid off my actual balance and disputed the charge several times, to which they did nothing, and after they harassed me via telephone for weeks on end, I told them I wouldn’t pay a cent more so they closed both of my accounts with them and sent it to collections. DESTROYED my credit. Do NOT use this company for ANYTHING. They need to be investigated and shut down immediately.

Credit One Bank treats you like a child by locking your card for week for using it on websites they say gives the impression for fraud. I made a payment 2 weeks before it was due and paid more than my payment to increase my credit limit and help improve my credit score. I called to make sure I would be able to use the my card at the grocery store. The person reassured me that all was good. I could use the card. They locked my card on the first try. I tried it again thinking it was the card machine. It was locked so I had to leave my groceries and go outside to call. The person said They locked it because I tried use it multiple times, They again said I wasn't allow to use it for a week, like a punishment, Today I called to ask for permission to use the card I spoke with MR. ** a supervisor. I asked if I could just withdraw cash at the ATM, if he could please unlock my card. He said sure and sure enough I put my card in and it locked!

This company froze my account because I made a payment and they wanted to verify it. Then told me that I had to wait for my September bank statement (a week away) to be sent to them and then it would take another 7-10 days for them to remove the hold. TOTALLY UNACCEPTABLE!! I was not overdrawn, nor was the credit limit that high, so this makes no sense whatsoever. I will NEVER use them again. They clearly do not care about their customers.

Worst credit card company ever. They have fees for everything, even fees that you’ve never heard of and they take forever to upgrade your balance. It’s like they’re open that your other account that you used to pay for it runs out and it’s time to update and there’s no funds. They charge you again.

I have had their card for quite some time because it doesn’t matter how many on time payment you make the bill never goes down!!! They are charging me every month 100 dollars and for almost two years the bill stays the same. When you speak to a customer service they will give you the runaround!!! Very disappointing service and once I am able to get the entire bill paid for I will closed the account and never use them again!!!! Stay away from them!!! No good company. They are there to steal from you....

I do not recommend it; I thought this company was good after seeing positive reviews, but it is not what I imagined. One issue is that they charge you for making a payment to the account if you want to have more credits available and lower the balance because they will charge you $7.95. Now, if you pay using standard payment, you will have to wait 7 days, and that can be problematic. For instance, if you have a direct bill charge to your account and you do not have enough credit, then they will not allow the transaction. Another thing is that they charge you almost $100 a year to have your credit card. As I see it, it seems like a scam by Credit One, as that's not how Bank of America, Discover, or others operate. Credit One makes billions in profits with all these fees they charge and then adds very high interest rates.

I highly do not recommend this company. My experience in 7 days has been horrible with several declines and my card being blocked because the company suspects each transaction is being made with fraudulent vendors. This includes chain merchants. They have a scripted response to the issue that continues to repeat, with inconsistencies in the duration of time to attempt another purchase. The last rep told me to wait a few days, opposed to the first time it happened, when they said to wait 10-15 minutes before using the card again.

Very terrible... No email support and they charge $100/year even if you are not using the card. I paid off the balance and contacted them by phone to close the card 2 years ago. The $100/year fee should be a credit or refund check mailed. And how come the customer support is based in India or Thailand.... I can't understand 75% of what the customer service people say.

My card was canceled because I didn’t send a photo of my driver's license. Never got a email or anything in the mail about it. Payments take forever to post unless you pay almost 8 dollars. They did me a favor.

Terrible company. Horrible! First my card got block because they said the restaurant I tried to use the card at was suspicious, then it got blocked because "I used the wring pin at the ATM", then it got blocked because I paid it off and they wanted a proof that it was that made the payment!!!! I've never heard of showing proof for a payment. I got to use the card for a week and it's been blocked for two weeks. I spoke to 6 people and they all gave me a different answer. And now I have to wait 10 more business days for them to verify my proof! The customer service is horrible as well. You gotta call India, all representatives give you fake american names and they can't help with anything. They only have one answer which is "it's the system, we can't do anything about it." Don't ever open an account with them because you're not gonna see your money and at the end you have to cancel the card and drop your credit score.

When I first got this card I was very satisfied but overnight it changed. After a few months I started having issues with them freezing my card and not unfreezing it after I confirmed any legit orders. Every month they got a payment from me at least double or more for a payment but would charge me a few if I was a day late. To be clear I was only late twice and called to explain why. Then customer service was great until the last few months. They talk over you so they have zero clue what you need to say. I asked the guy tonight to let me finish talking instead of talking over me. I had ONE simple question. He laughed and said ok and guess what?!! He started to talk over me again.

I am being generous with my one star, wish I could go lower. Worst bank ever!! The interest is too high, and they charge me $75 twice, then wanted me to make a payment for their charge. It really is a scam. Don't do it.

I am being generous with 1 star. My credit card was recently charged off. Sent to collections. Reason late payments. I have had 1 late payment in the last 7 months and that was 1 day late. It ruined my credit score. Dropped over 100 points. My recommendation is don't apply to Credit one if you are trying to build up your credit.

The past few weeks the purchases I make are getting “flagged” or “blocked” and counted as fraudulent. These purchases getting declined (some low $$ some higher $$$) happen randomly. We Removed a blocked at 10:40 am today, a purchase of $34 was declined at 12:13pm same day. Called back to figure out what’s going on, couldn’t access the account without calling my husband again (that would be three times in one day). Option is sending in a power of attorney to permanently give me (authorized user) permission to access the account via customer service. It’s not optimal but it’s Credit One procedure.

Wish I could go lower. They keep screwing me. It denies everywhere just about. I pay on it. They don't update it. I usually use debit card. Well lost it so pay with bank. They lock me out of it because I used my bank instead of a debit card to pay.

Credit One has called me at least 10 times a day to harass me about a payment that was already made. I make payments online and they take so called fees out to leave my account in the negative. I have spoke with the so called manager which was **, he lied about everything that was said on the phone. Do Not Use This Company.

Horrible customer support, they blocked my account once I paid in full, they said for scam security protection!!! I called and the only way to unblock is sending email with documentation!!! Which take about 10 working days to be reviewed!!!!

Worst mess I have ever experienced, trying for the third time to close my account paying in full, got email showing account closed with zero balance. Today showing past due $73, I paid it twice already and they keep saying my payment method was rejected, complete theft!!

This is the worst bank. I closed my account and they continue to charge me fees. I closed the account and paid in full my balance!! This is fraudulent!!! I have called every month!!! To be told my fees are waived... what fees on a card I closed and owe nothing. They are a disgrace. Do not use this company. I'm still arguing with them and continue to get bills.

After reading other one-star reviews, I can see that my experience is common to many people who have had the same situation occur: a block being placed on your card (allegedly), by their system, that flagged a gas purchase - within the United States - as if it was a fraudulent card use. Instead of getting a call (on my mobile phone), or text message, to verify it was me who was using my AMEX card - in a different state, other than the one they have on record where I reside - I had to call them, and they told me they have a "policy in place", which required me (get this while I was on the road), to transmit an electric copy of a utility bill, and a state-issued ID, uploaded to my online portal for Credit One Bank to review and use as proof of identity - so the block can be removed.

Terrible. Do not use this bank!!!! Every transaction I do is considered suspicious activity but I did not know Burger King or Amazon shopping for my pregnant wife was suspicious activity!! They're a joke and when they remove the block they suggest you do not use the card for 5-7 business days. I have never had an issue with any other bank but Credit One Bank absolutely trash, I would recommend capital one bank. Stay far, far away from this bank. If I could rate 0 I definitely would.

I am highly disappointed with Credit One Bank. They provide little to no help and fail to explain critical details about their payment process. If you make a payment using a different card, they lock your account, making it impossible to access your funds. This is never clearly communicated, and it's incredibly frustrating. While they are quick to take your money, good luck trying to use it when you need it.

This is complete and total scam. They send you a bill before you ever receive the card. You cannot get a live person on the phone after they lock you in and they charge a ridiculous fee for EVERYTHING. I will return the card and cancel ASAP!

Fraud 100%. Do not get a Credit One credit card or bank account. They force you to pay fees or they will not accept your payment. Even after setting up payments without fees they will still not accept a payment without fees. They will refuse your payment or send it back and threaten to close your account. They need that $7 fee so bad they will destroy your credit just to get it. Annnnd they harass you night and day even when you don't owe a payment. Call after call after call, night and day, weekends, at all hours, multiple times a day. Do not do business with them under any circumstances. You will definitely be sorry.

I was put on bed rest and unable to work, I contacted them to see about lowering payments for a couple of months and was told no. I will be honest, I did miss a couple of payments after that but then I was able to make small payments and the last 2 months larger payments. I called to see about setting up a payment plan until account completely caught up and was told they won't do that but I can call a credit counselor. I have been with them for 10 years. They are a horrible company!!!! My other card companies (2) are working with me and were very nice about it.

Accidentally got this card because I thought it was Capital One due to Credit One's logo, looks an awful like Capital One! Their first tactic to get you stuck. 2. When you go online to pay your monthly bill, and the min payment is. say for example $40 dollars' and you pay that and can't figure why your bill is not being paid down, it's because that amount is different on your statement say like 78 dollars but you only paid 40 because that's what it said on the payment screen so you have now missed your payment, you only paid 40 and not 78 and you do this for say a year, not realizing the amount was wrong and you now get that 49 missed payment fee every month, you only pay 40, and they do that to get you stuck and hope you don't but two and two together. I even printed both screen just to prove it if I had to. Crappy card.

A bunch of clowns is what this bank is. I had three credit cards open. I paid them off and closed because of poor customer service. So I thought I’d give him another chance and applied for the American Express Card both came back that they thought my entry was fraudulent. Can these idiots be? I got the same information on these applications I had with the three previous cards. Thank you for not allowing me to continue because now I remember why I closed the other three accounts.

They tried to charge me the annual fee in the first month, taking it out of the credit money. They didn't say that before when they were trying to sell you the product. I didn't even use the card, I immediately asked them to cancel it.

No live customer support whatsoever, and charges $175 per fuel purchase (different gas stations; if it was just the same gas station company it wouldn’t be Credit One doing it), which takes a week to reverse, quickly depleting available credit when you drive all day every day for work. As soon as I pay off the balance I’m canceling the card.

Credit One is great for people with poor credit that they want to build up. I opened one up and wish I had not. I didn't need to build up my credit. I already had a Capital One card I was pleased with. I refuse to pay a monthly high annual fee for a low card balance. Customer service is extremely rude and hung up on me. I have never had a hard time paying my bill or paying it off. They are a garbage credit card to even keep.

Credit One Bank sent me a Credit Card. Thought that it had no fees But later they sent details that it had a fee of $ 75/ which for me senior person can't afford. I never activated this and I called the toll-free no to cancel this card but there was no option to cancel and in two minutes the call dropped. Finally, I wrote the letter and requested to cancel. Its has worst experience to contact the bank.

Horrible experience. Excessive fees. When I tried paying them off completely they made it almost impossible. I had to get my bank manager involved to pay them off. The branch manager contacted Credit One and told them outright what they were doing was illegal and in violation of banking practices that govern credit cards. We then wire Credit One the balance and paid them off completely. Credit One sucks.

I paid off my Credit One Card and closed the account. Now they are sending me a bill for 8.00. I called to say the account is closed, and asked why am I being billed. I was told I didn't pay enough, I did pay what I was told I owed. Now they want more. I haven't used the card for over two years.

THEY SUCK, take long to do anything. They don’t understand your needs even when you verify everything. It’s a pain to get my card on Apple Wallets. The interest is high. I’m going to pay off my cards and cancel and go with another bank.

I recently had an absolutely terrible experience with Credit One Bank that left me beyond frustrated. I flew to visit family and needed to rent a car from the airport, but when I tried to use my Credit One Mastercard, it was declined. I had just paid off my bill the month before, so this made no sense. I called Credit One for help, and after being passed around with no real answers, I finally insisted on speaking to a manager. When I did, he shockingly told me I would need to rent a car from a different company because Credit One doesn’t work with the rental agency I chose. Since when does a credit card company dictate where I can spend my money?

Credit One Bank is one of the best companies I've ever had the pleasure of dealing with.. They really care about their customers and their experience with them and they are willing to go the extra mile to do whatever they can to see that you're satisfied. It is being their customer. I look forward to this being a lifelong relationship with this company.

If you want to be embarrassed at the store from your card randomly being put on hold and declining purchases sign up! I am all for security but when I’m making a 30 dollar purchase at a local convenience store on my lunch break and get the hassle of having to stop the entire line and find another method of payment because they found me buying a sandwich suspicious it’s annoying.

OMG it's robbery without the gun. They offer $300 and take $75.00 before you actually get the card. So you actually get $225 - 12% per dollar. In the end you owe them $300 and they only gave you $180... plus I tried to pay $40.00 and they sent a email that said they refunded my payment, I have yet to see my $40.00 payment. This is actually turns into a prepaid card, because you have to pay the full balance to use it again. It's not like you pay and a percentage of credit is restored.... Nooooo you must pay off the full balance if $300, but they only gave you 180.00. Omg... No!!!

If I could give zero stars I would. I would make a payment from my bank account, they would show it pulled but then three days later claim they never got it. I have never been on the phone with a financial company so many times!! Their customer service is a joke. They don’t understand English and just keep reading from a script. Shady. BEWARE!!!

Would not recommend this company at all! I have had my account(s) in good standing just to be told some agent closed my account ILLEGALLY! I also did a dispute of a charge 'cause the product stopped working and they reversed the charges! Consumer(s) BE AWARE of this company!

Had and charge on my account and called to straighten it out. Called customer service and what a waste of time. Foreign call center staffed by people who speak broken English. They have no comprehension of what you're trying to get across to them. It seems all they do is read off a guidebook. Totally!! Worse customer service I've ever dealt with!

I keep getting charged $8/month for a card I closed a year ago. Customer service claimed there wouldn't be any fees so I didn't think anything of it at the time. Called them multiple times and they still refuse to remove the fee.

I have been recovering for almost a year. One missed payment and 12 robo calls in one day because I was too sick to answer. I am almost 70 and on Social Security only. The makeup payment will be made as soon as August's payment comes in on the 14th. Will cancel card and make monthly payments until paid off. The number of calls a day is unnerving and crazy. A couple I could see but 12 almost back to back is horrible.

My experience with this Co is horrible. It’s Tuesday and I have had 2 calls when I am going to my bill. It’s due Friday in 3 days. I said I would be paying Friday the due date. She kept pressuring me to pay on Tuesday during the call. She asked what time I would paying on Friday and asked if I was paying via the app or calling the payment in. I don’t appreciate being HARASSED when my payment isn’t due for the days. Horrible customer service. Very rude and respectful.

Worst card I ever had in life! Had to call during EVERY transaction because they blocked every transaction. Then had to speak to 4 agents & a supervisor every time. Never again will I make this mistake.

After having a Credit One Bank card my card was used fraudulently 3 times in 4 months, they sent me a replacement and that one was used twice fraudulently in 3 days apart. Please stay away from credit One Bank credit card.

Oh, how horrible this company is! I was dinged for over use that did not happen. I paid off my account, including what I did not owe (12.00) and cancelling today was a nightmare. The rep kept reading and talking, and I'm sure it was because they are paid to keep people on the line. In addition, customer service is nonexistent, I had to choose the option to report my card lost or stolen in order to reach a human. I was told I'd receive an email confirmation of cancellation within 24 hrs. Avoid Credit One!!

After receiving several offers telling me I was prequalified for the X5 card I gave in. I have not received my card and I already have a $95 annual fee charge on my online statement. I am not going to activate my card when I receive it, instead I’m going to cancel it and cut it up in tiny little pieces. How in the world are people rating this card five stars is beyond me. I would never recommend this card to my friends or family.

Heads up people. Credit One will lie to you, and disrespect you. I haven’t even been a customer a week, which we all know that the credit one credit card isn’t in my possession yet but guess what, I already have a charge on it. The card was supposed to be here today and guess what? NO CARD. Horrible customer service, barely speak English. I canceled the credit one card and account. If this is how it’s gonna be in a week I can only imagine what would go on in the future. Bypass these fraudsters. You will get lied to, ripped off, and your credit score is at risk.

Scam! They will double charge fees and argue with you, say they will fix it and don't, not report for months you've paid, I have an entire month missing from my payment history, ridiculous, I've made higher payments than the minimum on time every month and get double charged, they increase the fees and annual fees with notifying you, they double charge, it's hard to get in touch with a live person, the ones you do get are obviously coached to twist things around and not do anything, I reported them to BBB.

DO NOT DO IT!!!! Bad, bad, bad company!!!! If I could do 0 I would. They keep putting things on my credit. While I’m still making my payments. They sold my account saying I didn’t make payments when I just paid them $60 in the beginning of June. My bill isn’t due til the 24th every month. Saying I’m not paying. And my credit has dropped almost 125 points because of their little “remarks” they keep putting.

Worst service ever, poorest Customer service, No protection that you expect, and very bitter experience could be what you get from Credit One! I have several Bank Accounts with different organizations and I regret my time using CreditOne credit card.

I have had these cards for several years, I now have a 750 credit score and they are trying to charge me $9.99 for a measly $200 credit increase and also a yearly fee like the over 33% interest isn’t enough. Can’t wait to pay them off and throw them in the trash.

They kept locking my account even after I verified purchase attempts via SMS. You have to report your card stolen just to be able to talk to a live agent and don't expect to be able to communicate very well. A helpful hint is to ask to speak to someone in the United States. They also reported a high credit usage for the month and late payment due to their error. I was hoping to keep this card as one of my longest lines of credit but it's way too much hassle and will hurt your score.

These people will blow your phone up 20 times a day 3 days before your payment is due, it’s unbelievable. I asked her why they have been calling and that it clearly says the payment is due on the 12th and it’s the 9th. They have not stop calling my phone.

Worst customer support. Worst customer relationship. They closed my card without my permission. The call center in India and it is hard to understand them. Customer representatives give you an attitude as if you owe them something. Had two cards with them. Closed both. Also, if you have a negative balance on your card, you need to call them every single day until you get your money back. The communication is the worst.

I had Credit One bank for 7 years. Never a late payment. Not 1 late payment in 7 years. I had closed a bank account and accidentally paid with the closed account instead of my new account. I immediately caught the error and paid with my new account. They closed my account due to the returned payment. I am in the middle of purchasing a home and it is crucial to have no changes to my credit. When I called to ask them why they closed my account without even some type of notification they said it was due to the returned payment.

They are not understanding, if I am a day late, they will charge me. I am on SSI and I get early pay day, I can pay it 2 days after my due date, but no! They just want their money! No grace period, nothing!

I will never consider them when I get back on my feet. Explaining what is going on and oh well. No empathy. We all go through hardships and telling them anything is a waste of time money money. People would be more open to keeping you when going through rough times if you care.

This is the worst app I have ever used. You people need to do something to make this app better. I literally hate having to use this app. I can't wait till I pay this off so I won't have to use it ever again!!!!

Fraudulent, disruptive and dishonorable practices will leave you speechless. Once you pay your bill in full, they will begin to stop the card, question funds received to pay your bill, and demand personal bank statements and other documents to be sent in for their review, only to claim they never received them. If you have had a similar experience I urge you to file a complaint with the Comptroller of the Currency and your state attorney general's office. These guys have to be put out of business.

I have made payments on time and when I am late I will pay the interest owed but I am unable to pay this off nor increase my limit. When I pay at least $90 towards my account I am unable to login to see if the interest is paid. This company is not functioning properly.

Worst company I have ever dealt with. They’re thieves. Hidden fees and will charge you ridiculous amount of money. They charged me 100 as soon as I opened my account without warning and when I called to cancel. They did and kept charging me. I used $20 and now I owe this thieves over 300. Do not open an account with these thieves.

I have had my Credit One account since March of 2024. I have made every payment on time, even multiple payments a month. I prefer to use my credit card for daily purchases just in case of fraud, that way my bank account doesn't get affected. I made an express payment through their app and apparently the app changed the payment type without my permission. Well I made the payment so that I can use my credit card this weekend while I am away on vacation so I don't have to risk my bank account.

Worst decision I've ever made, I missed a digit of my routing number by mistake, called customer service to see why the payment was returned, tried to process the payment over the phone, and they closed my account. Really the worst bank and customer service ever.

I pay my bill off monthly with Credit One. With that they can not make money. I made an express payment the other day and happened to check the status today and they never sent it through. I almost was late because of it. Also I see a lawsuit over their express payment fee and they are still charging it to customers. It was $ 5.95 now $7.95.

BUYER BEWARE - I got a $300 limit card, unsecured. I used it for some groceries, with the intent on paying it off at the end of the month. They gave me two options "express payment" which charges 5% or something or ACH draft. I chose the express, not realizing the options, and my credit was available in two days, and the money came out. Next month I paid it via ACH. It's two months now and the credit limit is still unavailable. I call and they say I have to send them a full copy of my last bank statement to prove it's my account. Bizarre... They had no problem TAKING the money out.

Two years ago I stopped receiving my Credit One statements in the mail. Phoned them & asked for back statements that hadn't arrived. Still no action taken by them as of June 20, 2024. Then over the past 3 months, they have put the wrong payment due date on my account on their website. Sent them a note about this error when I mailed my bill 2 months ago, still no action to correct due date on my account. This is a horrible company. Don't get a card from them. Fees are high as well.

You have to pay your balance of 100% and have a $0 balance or you cannot use the $75 cash advance. The quick pay went from $4.95 to $7.95. They only allow you to make 2 payments a month max and only 1 per 24 hour period. Customer service sucks big far you know what. They do speak English cause they are from India but the men are super rude especially to women. You can't use the card anywhere. It comes back invalid. Record the conversation but don't tell them they advise you it's a recorded line so you don't one person only has to in the conversation. I got a bunch of supervisors being discriminative towards women. But you do not get one cash advance once a month it's only with zero balance if they allow it.

Never ever bank with them. They steal your identity and they also discriminate against POC. My friend who is ** have the same card and never had her acct closed. Racism lives here. This a directly violation of all civil rights. My lawyers have been involved and have sent them a summons.

I've had a Credit One Visa for two years. Last week they incorrectly reported to the credit agencies that I had gone over the limit. It lowered my credit score by 23 points. I called up customer service and they told me there was nothing they can do because credit scores are supposedly private so they can't access it. Canceling the card tomorrow.

If you can see this DO NOT GET THIS CARD!!!! Interest rated sky high, which is to be expected depending on your credit profile. But the worst part of it all is they have this process where they’ll turn your card off to validate your bank information and that can take 10 business days and if they don’t receive it within the 10 business days, you have to send it again and wait another 10 business days. And on top of that, the customer service agents do not speak English very well.

Absolutely. Terrible. Was promised that I don't pay the $95 charge once Yearly, they have since pulled out that charge every month for the past 6 months without my knowledge. I have Statements on connected bank proving that they have since pulled out those payments As well as a recorded Call confirming that it was only supposed to be yearly. Their resolution was one $45 credit. They have since Falsified Their thieving transactions under falsely named charges spread out under internet payments. I have never once used the card. The activation sticker is still on the front of it From the day I put it in my wallet.

If I could give zero stars I absolutely would. If you are searching for a company to establish credit or to get a card skip Credit One bank. Bill always paid on time and paid off every month in full. There was a 1700$ fraudulent charge made on my card. I reported the charge and they came back and said it was a valid charge because it was made in store with the card. The charge was made in Arkansas. I live in North Carolina. Never in my life have I even been close to Little Rock. They told me unless I could prove I wasn't there that I was responsible for this charge that I did not make.

Horrible company, sent my payment twice and they didn’t process it then closed my account for non payment. I would not recommend this card/company to anyone. The fees are also very high and if I could I would give a -5 star.

I close my account due to being hacked 12 times in two months. It has been closed now for over two weeks, It is paid off! I ended up paying $3000 for charges I did not make. They are very difficult to work with and have difficulty understanding English, there is a lot more to my negative experience with them! If you have this card close it asap!

I would NEVER recommend Credit One to anyone. I was a few months behind on my card payments. I called on or about May 7th to let them know I planned on paying my account, in FULL at the end of the month. I just wanted to make sure my card was still in good standing and not closed. The representative assured me my account was still active. Made no mention about at least doing the minimum amount at that moment and said they would document and notate that I was paying in full at end of the month.

Absolute worse credit card on the market, they have the highest rates of them all, they take advantage of the desperate.. As for customer service they call 15 times a day literally for a 2 day late payment.

They canceled my card because I paid my balance in full every month. With no reason on phone other than saying there was a problem with my bank. But yet my bank was bank that paid them monthly. It was embarrassing to say the least. I was out with friends and went to pay for dinner as my limit was the full 700 according to app info on phone. So I call and find out they just shut card off. The most ** company I've ever seen and this can be seen with their reviews. Don't let them prey on you. Avoid.

$100 annual service charge for such a low credit limit that it's not even worth it. I requested an increase in my credit limit after having my card for 2 years with perfect payment history. They raised it by $100. I told them, "Never mind. Just cancel my card."

My account been closed since last year and they still billing even after sending to the credit bureau. If the account closed how are you still billing?? My credit limit was only $300! Now they have it where I owe $800 and still rising. How??

So I applied for a Credit One card to help with my credit. I used it less than a handful of times primarily for my daughter's birthday. I pay back basically what I used and they turn around, FREEZE THE CARD then shut off my access saying there were issues on MY END. CUSTOMER SERVICE SUCKS with the half-** SCRIPTED APOLOGIES. Then to top it off their shutting my account caused my credit score TO TANK.

The company closed my account without even notifying me it was close. And I was current on my payments. Worst credit card ever. And the customer service sucks big time. And you don't get the full amount they say. They take out $75 out of the 300 they offer and ridiculous fees.

Worst company ever. I got an offer. Decided, "Ok I’ll check it out." I applied, quick approval, activated my card. Was never informed they would charge $75 dollars off the bat for annual fees then I go to use the card and I’m getting declined. Every time I’ve swiped it I’m in the phone. They said due to suspicious activity. I’m barely using it for first time. I keep having to call cause it won’t work so I told the lady that was on the phone with me. "I would like you to stay on the phone with me while I swiped this card at this restaurant I’m at because it keeps getting declined so you can see and figure it out." Well it continued to be declined so I apologize to the drive-through and told them that I had to deal with this card so the lady on the phone told me that it’s unblocked that I should be able to use it.

I have tried to pay off my friend's credit card three times and the barriers are criminal. They did not send a verification withdrawal and deposit as they said they would. The second time, it paused while I was trying to pay. The third time, it went to a website that wasn't responding and looked all old and would continue to not respond. I'm trying to give you money! Take my money and stop stealing from my friend!

Sad I will no longer be a customer after just a year. We had such a good relationship till they started taking more and more and more. Staff has lots of information on “policy” and none on assistance. It’s a one way highway with this company. Don’t bother.

This was the absolute worst decision of my life. They attach hidden fees, I had to pay an absurd amount for the annual usage fee. They suspended my account after I paid my statement off. They said they needed proof of the bank statement. I went through all the hoops to provide them with the information they required. I recently had paid for my statement this month (from the same bank account they previously needed proof of payment from) and they had no issue taking it.

This bank charged us $459 (and change) fraudulently and refuses to return the money. I called because our bank said they cannot do anything until the transaction goes through. This bank refuses to do anything unless I give them an account number that belongs to them. How can I give an account number to a bank I have never interacted with? They will fraudulently take your money and refuse to give it back. Run far away from this bank. Do not trust them with anything.

Credit One is a company everyone needs to stay away from. I paid my balance in full and requested to close my account. Even once you overcome the language barrier, and the ignorance level of their operators, you'll never get done what you set out to do. 45 days after closing my account, I was sent a bill for another balance that had incurred for monthly surcharges for my card I had paid off and closed. After battling them for 2 hours on the phone, I still have gotten nowhere with them. My credit score has been affected not once, not twice, but multiple times because of their failed to close my account. I am now going to have to go down a legal rabbit hole to obtain legal counsel for a lawsuit against Credit One. So for anyone who reads this get prepared for the same bad experience and shot Credit scores if you decide to do business with Credit One.

This Credit One company is big scam. I closed. They want to charge you 100 annual fee for 500 credit card. Is big scam and if you closed the account they will charge you annual fee. Stay away from this company.

I opened an account while building my credit, once my credit was good I requested to cancel card due to fees. The rep offered me a credit increase but never said I had a payment that was due. Credit ruined.

Horrible horrible horrible!!! Owes me a very large refund and has not given to me. Every time I call I am told something different. Ask for a supervisor and get just another operator!!! Complete morons!!! Chris, Daniel, Zoe, etc. probably not their real names either!!! No way to resolve your issues!!!

TOTAL TRASH! The customer service is a pure joke and it appears that it is located in Mexico. They will even end up in a class action lawsuit and I will gladly sign up. I wish that I would have done more research before I signed up. The moment I sign my mortgage, I will cancel this card one minute thereafter.

This is a terrible card. They charge annual fees. Which is fine; but they charge it monthly. So if you are initially unaware of that you will get late fees. Customer service is TERRIBLE at their job and extremely rude. They received payment and it was withdrawn from my bank account; yet still claimed a monthly bill went unpaid. If you call customer service (no matter the number listed) you will be in a loop talking to a machine- just press 0000 to speak with an agent in the menu (which is an option not listed). Other stuff to mention; but if you can avoid this company- do so. If you are in a bad situation and can get approved for these card; take it as it's better than nothing. Just prepare to have troubles.

Credit One will harass you on a daily basis even after an account has been closed. I have been literally called 16 times in 1 day and I am looking into to a lawyer for harassment. Please do not use them.

They closed my account without knowledge. Hurt my credit. This is the most horrible credit card experience I’ve ever had. They have received payments from a valid bank account and closed my account after they received their Money on time. This credit card will hurt your credit more than help. Wish I listened to all the bad reviews.

Most seasoned travelers book their travel months in advance. But if you have a flight canceled and cannot get a refund Credit One will not help you because they only allow disputes for charges that are less than 60 days old. I don't even know why they advertise themselves as a travel card.

Opened a credit card in my name. Called them to inform them that I didn't apply for the card and that it was being mailed to an address in another state. They claimed they would cancel the card. When I informed them that I wanted the cancellation in writing they asked for my address and I advised them that since they emailed me about the new card, they could email me about the cancellation. I still haven't received the email and as they informed me that they were recording my call, I informed them that I was recording my call and the guy immediately said he needed to hang up. Shady business going on with this company.

OK I went to Credit One to make it a payment which I had been making several times before this. They told me my ZIP Code was bad. Payment would not go through. Asked me if I had another ZIP Code. I don’t know how many people have supper ZIP Codes or multiple but I don’t so I called my bank with my debit card to verify all the information was correct. They said yes, I called them back. They tell me ZIP Code is bad. My bank tells me it got rejected because wrong expiration date so I called them back. Make sure everything‘s put in verbally. Won’t go through because of Zipo. I go on the mobile site it won’t take the three digit security code, they have been hacked or their security has been compromised. Something's wrong. Stay away from this credit card company.

These people are unprofessional, and are not here to help you! RUN! RUN! RUN! They act like they want to help people that are in financial hardship only to hurt people more. They accept low credit scores because they can’t do any better! All is good if you pay your bill, although heaven forbid financial crisis should happen, you’re screwed. They will try to force bankruptcy through the courts even after your debt has been discharged for almost 6 years.

If I could give zero stars I would! I am currently building credit because I don’t have enough revolving credit. So I took Credit One up on the $300 credit limit and used the card. I paid the balances off by 40% to keep the reporting down so I can raise my score. I paid my last statement and my balance was $175. I paid $124 but to make it a live payment I was charged $4.95 twice! It never reflected in my balance.

I have had the card for 2 years with no increase. They have given me additional cards with higher limits, but this one won't budge. Called to see if I could get an increase, was told not at this time. I was considering closing the card. Asked them to leave it open for now and the operator hung up on me. Worst customer service!!!

This is a rip off company to say the least. I should have researched this company before getting this card. My first payment was due on 5/1/24 due to systems issues. I could not make my the payment on 5/1, but on 5/2 I finally was able to get a live rep on the phone and made my first payment of $30.00. On 5/4 I logged into my account and saw the Credit One charged me $29.00 late fee. I called customer service and was told they would reverse the charges. On 5/7 I checked my account again and I saw they credited the $29.00 late fee but they reapplied the $29.00 fee and charged me an additional $5.81 interest. I called them again and they promised to remove the $29.00 fee once again. I will be paying off my account and Never do business with Credit One bank again.

Credit Karma recommended this to help build my credit. I was approved, great! Then the nightmare began. I went out of town and planned to use the card to help cover expenses since I would get paid after the trip and I would pay it off. Day one of the trip after using the card a couple times on small food items they locked it. I called to find out why and they said they needed more identity verification and to send in my DL, W2 and utility bill. I did ASAP. I was promised 48-72 hour review. They did it in 48 hours but failed to tell me so when I inquired the said my DL was different than my other documents. It was, I had moved and didn't get to update it yet but never mind that mu W2, check subs, utility bills all matched with my application. I got a temp DL and submitted it.

This company is a FRAUDULENT COMPANY. I had a CC with them for 2 years. I reported a fraudulent charge via phone January 2024. It is May 2024 and after Numerous calls messages they never sent me a replacement card! Their emails come from a fraudulent address as well. DO NOT DO BUSINESS with this fake bank!

I wish I never chose Credit One. It's got to be the worst credit card out there! If I ever get it paid off between all the crazy fees, I am changing services! You name it they charge a fee for it. I can never catch up on my payments. I will certainly not be recommending Credit One to anyone.

I received the card with an amount of $60 and another for $6.95 on in before using it. My statement showed the $60 reflected monthly surcharge. I was never informed of this. When I called the 800 number all I got was an automated system yet I wanted to talk with someone. I had questions that I wanted answered. I had been calling for two hours when I finally called the service line for a missing/stolen card. On that line I was able to contact someone instead of an automated recording. I should have known someone was wrong with Credit one a CHAT was not available. I immediately canceled my card. CREDIT ONE is a scam.

Just look at all the 1 star reviews. Wow hands down worst I've ever seen. This company approved me for a credit card. I got it. I activated it (by the way I already have a different card with SAME COMPANY). After I paid $95 annual fee they freeze my card wanting documents proving my identity. Umm ok I'm already a member but ok I send them not once BUT 6 times and some dumb ** was too dumb to see the name address etc match. They said it didn't. 6 x I re sent them. Each time with more highlighted areas showing it matched - finally they cancel the card "cause docs didn't match."

I made 4 payments all 15$, after previous month payment had cleared. So minimum payment is $30. For payments of $15 is $60 so I should have been $30 ahead to bring down my balance then the day the payment would normally be due they're demanding another $15 not even $30 which would be the minimum. If not processed through that day. I would be charged with a late fee of what I believe is $35. So you have to pay an additional amount to have it processed through that day. So I called customer service asking them to please look at my payment history which shows that I was should have been covered of my minimum payment and then some the first agent argued with me and then hung up. The second agent of course argued with me. Ask for supervisor. Get the supervisor who doesn't even try to listen to what I'm explaining to how I feel. Go to the next department he says there's nothing that they can do, that I have to make the $15 payment when I've already made $60 worth which is more than the minimum.

I would never recommend this credit card to anyone. The interest rate is extremely high. By the time you pay off your balance you would have paid for it at least twice. The best thing I could ever do is never get a Credit card ever again with them.

Credit One keeps you in debt. You can only make 2 payments a month to lower credit card. They help you go over to charge this way. They hold your payment and apply it after they charge you interest. DON'T USE them to get your credit built up. They bring it down.

First of all you need to speak fluent English so the people that speak English we can understand what you're saying! Second of all how you going to tell me when to use my money? I'm confused. This card is not for me. I've been with you guys over a year and made every payment on time. I would not refer you to anybody that part.

I only had this card for a few months and they closed my card, I made the payments every month on time and when I talk to the customer service they couldn’t give me a reasonable explanation, and yet blowing my phone for payment... Definitely a scam!

Not only is this card inferior to all other choices, but the company is criminal and fraudulent. I applied for a card and they tried to steal 500 dollars from my account. I have now canceled and reported this "institution" to law enforcement. As someone who is already averse to credit cards, I'd rather my first card come from a company who is at least subtle about their attempts to defraud people.

I have been with this card for awhile, in fact I have 2 of them. The service has been getting worse over time and they will only let me make 1 payment a month on either card. Who does that. This is a horrible card when you can't bonus any payments and it takes forever to talk to someone. I am very disappointed in this card. I never should have gotten it when I have other cards that are actually very good. Lesson well learned. I would give them a zero but I had to check at least one star.

My husband and I have had this credit card for a long time. I have paid the credit card through customer service every month with my debit card for as long as I can remember, and I have been charged a fee of $4.95 for this service, which has never been an issue until today. I was told I needed to pay by check. I did not want to do that since I like the convenience of paying with a debit card and do not have to wait until a check clears through my bank. The lady who was taking my information was ignorant. She was talking over top of me when I asked to speak to a manager, and she began to yell. Seriously??? That's how you speak to a customer who has been with you for several years?? She would not allow me to speak to a manager. She was disrespectful, and so I had to hang up. Credit One Bank...you need to treat your customers better. I am totally disappointed that I was not shown any respect or a resolution to this matter.

Pocket option blocked my trading account with $17.580 without any good reason. They said I have multiple accounts, but I have only one account and I couldn't take out my money. I was doing research on how to get help and I came across ** who assisted me to take out my money. They are reliable asset protection specialists, and I am sharing things for others who might require their services too. Thanks Mustang.

Does Not Report To Credit Bureau! I’ve had For Months Almost a yr. Haven’t seen not one report from them. Please research this company before they take advantage of your money and time. I’m thinking about going to the BBB.

I applied for credit card at the end of February. It’s been over two months and I have just now received my card. When I log on to my mobile app they charge me late fees as well as a $20 charge to ship my card to me. I call customer service, and they are now having to reset my account, which I was told will take up to 10 days at this point it’s been almost 3 months and I still can’t use my card.

If I could give them less than 1 star, I would. This company is a complete scam. I had this card for only 2 months. They are a bunch of foreigners preying on you and your money. Once I paid off their initial fees they took my payment for April on April 17 then charged me a late fee in the 18th then closed my account on the 19th. My account is current. When I ask them to reinstate my account that is current they said that they couldn’t and said to re-apply. Which would mean paying those same fees all over again just for them to close it again. Never again. Just stay away!!

Credit One Bank is a scam. They are a disreputable company with deceptive practices. There are 3,300 negative reviews for them on this site alone. Why are they allowed to continue operating? After 6 months of dealing with them I paid off the account including a $300 charge that was never authorized that they refused to remove.

Imagine somehow in the hyper-connected world we live in today that there is this Credit Card where there is no Chat service, no messaging in the app, and no email address. There is a phone number you call and suddenly you go from your quiet house to one of loudest call centers in New Delhi and while the person you're talking to talking in the thickest hard to understand accent you’ve ever heard. And don’t forget all you cam hear is background noise of a call center that holds 1000 people that all sound the same.

The fees are fine as they are upfront about that, but the card is constantly declined purchases for being "high risk" (not a problem with anyone else) and makes it borderline useless most of the time.

They took 200.00 dollars of my money out of my account then turned my card off before I even used it. Never notified me. Never sent a letter and are still holding my money and say there’s nothing they can do even though on the app it still shows the 200.00 credit. Wondering if I should sue.

Choosing this card to rebuild my credit was a huge mistake. The monthly charge of $8 is completely ridiculous. Despite more than a year of on-time payments and above-average score, Credit One has not raised my insanely low limit and even refused to do so upon request. I hate that I am stuck with this terrible credit card. They are essentially charging me $8/month just to own this card. Oh, and they also withhold credit for more than a week after they’ve taken my money. I am actually considering canceling my card altogether if doing so didn’t hurt my score.

I have two credit cards with Credit One Bank. The information for one of my cards was stolen and whoever received that information maxed that card out. I filed a fraud claim with Credit One and they denied my claim less than a week later and have yet to give a reason why. Now I have to go through so much just to get these fraudulent charges off of my record. I have never felt more violated.

Absolutely worst credit company ever, I used my card for about a month or two then they froze my card because they thought I wasn't the owner of the account. I proceeded to try to meet their requests of providing documentation. I sent the documentation they requested, but they said the documents I sent were invalid. I tried to keep them from closing the account, but eventually they closed the account. They charge upfront for the year service fee, they are trying to charge me for the 'year of service's and they keep jacking up the balance I owe. I absolutely refuse to pay this, I do not care how it affects my credit, I am not giving another dollar to a scummy company such as this.

I applied about a month ago and I still can't use the card. First they told me that the card was activated and I wouldn't have any problems, so I used it once. The next time it was declined and when I called I was told that I needed to provide an ID and bill doc for verification and that my first time use was an error of the system. I complied and a week passed without been able to use it. I called and I was told that they needed 10 business days for verification while they are already charging the monthly fee. I called again at the specified date and now they said that I have to provide another bill doc. I questioned why I wasn't notified and they had no answer. Worse yet, that I will have to wait another 7 days. It's unacceptable because when they come after you to pay them they can easily affect your credit.

I've had a Credit One account since 2015, and honestly of all the cards I've ever had, they were the worst. Their app is awful, and their customer service is unintelligible to me. The biggest problem I've had with them was not accepting payments and acting like they were never made, then harassing you for payment. We went to make our last month payment on April 15, and should not have had issue going through as the bank account had more than enough money. I was surprised to get a call from them saying my payment was late, so I went in my bank account to see that they never pulled the money and gave me an nsf fee. There was more than enough money in the account the entire time.

This is by far the worst credit card company I've ever dealt with. They do not post payments in a timely manner causing overdrafts and no payment charges. When you call them it's even worse. They prey on the people trying to rebuild their credit and even when they are wrong won't do anything to fix it. Steer clear of them. After I have paid what they "say" I owe them I won't use this card for more than a pack of him every three months just to keep the card active. And after the one year mark it will be cancelled because I cannot and will not pay an annual fee to such a corrupt company. If there's a class action soon I just hope I'm included.

Worst credit card company - I've had multiple fraud charges and has happen 2 months in a row and they refuse to remove the charges. There is no gatekeeper! - The fraud charges came from companies located in Las Vegas where Credit One Bank is located. Stay far away.

I never was able to activate the card I received. Due to additional information that I sent several times. I get reported to the credit bureaus for late payment on something that was never activated or used. I called and had to raise heck

I can't beleive that this company is allowed to operate in the U.S.A! I've had this card for at least 20 yrs, the customer service is horrible! I report some unsual activity 12/23/23, 347$ was charged, which I didn't make but they refuse to credit the unauthorized charges to back to my account at this point is closed! Representative said I need a police report verifying it wasn't me! I've had fraudulent charges with major credit card company in the past before, no problem, but this company has to be the worst! I uploaded all the information they had required and called back after 90 days to reflect my account which should've been a balance of zero, but they rejected my complaint. All they can do is removed the late fees and now I'm stuck with 500$ of charges I didn't make! WTH!!!

I have been a Credit One Customer for 4 years now. Up until now I thought this was a great company! I have spent months sending info to verify my identity. This is so I can have my email address and phone number changed. God forbid you lose your phone and data. You will never retrieve it with this bank. At this point I am closing all three accounts as I can’t seem to get this vital info changed for online access. Shame on you credit one!

I had a Credit One credit card that I opened in 2018, I ended up having a fraudulent transaction on my credit card, so I called customer service. They refused to file a fraud claim over the phone, and told me that I would have to mail in documentation to them to file a dispute. I ended up filing a case with the BBB because they are just awful. Nothing was ever resolved with them, and I took out a personal loan that I paid on for 3 and a half years just to pay off that credit first credit card, and closed it immediately. Poor excuse for a company, poorer customer service. DO NOT DO BUSINESS WITH CREDIT FIRST! It’s now 2024 and I’m still upset with the experience with this company.

The whole experience was a nightmare. They pulled my credit for the card I applied for, so my credit took a hit. When I received the card I tried to use it and there was a hold until I could send documents proving I was me, cool did that... Once the hold was lifted I tried to use it again. Once again denied. I called customer service to be told I reported the card stolen (which I never did). I waited to receive another card. Never received it. I called to see what was going on. They told me my account was considered fraudulent and they filed identity theft on me. Mind you I checked my credit report my score went down because they pulled my report and now it says I owe $39 to Credit One for an annual fee for a card I never got to use. Customer service is a joke. I was told I owed the money because I received the card. I was transferred multiple times before I was told the rain why it was considered fraud is because my Proof (W2 address) did not match my license. I moved recently so it would not match. So frustrating.

Worst company ever. No competent customer service. Never reports properly and will take forever to respond to disputes. The second you challenge them they will close your account. Fees and rates are out of this world as.

I paid my account in full and the payment was returned. I set up for autopay and that worked for 1 month. It says now my account isn't available to setup autopay.. They just want to charge fees.. I just want to pay it off and be done. But if you cancel the card will make credit score do down.. Don't waste your time.

Credit One has helped me to improve my credit history. I am very grateful that they gave me a chance. Little by little everything is working out for me. The app is easy to use, and so I’ve never had to call customer service. If you use it wisely, it will be helpful.

Negative zero's -0 -0 -0 -0 - 0 for customer service, I called many times since 2023, just find out my account is closed as of today 3/20/24 by a Credit One rep. I would not recommend this card to no one at all!!!! Terrible customer service. Lack of communication!!!

This is bank is not professional bank in USA, they report a late payment to our score, without informing us in the payment which is 29$, although we have not used the card and we create a claim, but because their team are stupid they report 29 $ and they lost one customer, they cause our credit to go down by 109 points, I do not recommend them in USA

Hello. I just wanted to share my experience with Credit one. Don't do business with them. They are thieves. I had a 300 dollar credit card with them. In good standing. I owed like 299 so I paid the 299 that I owed in full.. On time. No late fees or anything so what did they do. They went off and took 299 out of my bank twice so that's a total of 600 dollars so and I only had a 300 dollar credit limit..

This company is a joke. They have high interest rates out the roof, customer service is absolutely horrible, they never seem to help and even understand anything that you ask them to need them to. I paid my account and closed them.

Horrible to deal with! I canceled two of my cards with them and planned on keeping one. The one I planned on keeping, they ended up canceling on me. Do not waste your time with this credit card company.

I have been trying to reach a live customer service agent at Credit One Bank to no avail. I have not even been able to live chat with any agent regarding my account. This has to be improved as soon as possible.

Complete garbage of a bank. Got approved then never sent me the car. Got an inquiry on my credit for no reason. My wife got two cards with Credit One and one day they decided to just close the accounts. All that credit age gone to the trash. Horrible people.

I signed up for Credit One based on an online offer I received for a $0. annual fee. I was approved but once the card came in the mail it in fact had an annual fee. Misleading and false advertising. Poor customer service as the representative tried to read me a card closure summary when I never activated the account.

18 days after my father-in-law died, there was a letter in the mail from Credit One Bank saying that they received a change of address to his account per his request. We have been through & organized his paperwork & wallet. There was NO Credit One Bank credit card to be found ANYWHERE. So, we called (after verifying that the listed number in the letter is in fact the real one) but without the account number (all the letter has is the last 4 numbers) they would not do anything, not even send us to the Fraud Department. They said to send the death certificate. So I made a copy of their letter & sent them the death certificate. We were told that after they got that, the account info would be sent so we could see what was going on.