Credit One Bank Reviews

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.

If I could leave a zero, I would. This bank is horrible, and they absolutely do not cover their customers. Credit One allowed fraud to happen to me. They also did not back me up or fight for my money back. Horrible customer service. Not American owned. Please do not use this bank even as your last resort.

This company is out to deceive you. Got approved, never got the card, was charged fee, never received it back, customer service didn't understand the complaint. Don't get involved with them, they should be shut down and sued.

I went with this company as I was working on improving my credit. My pay history was so good at one point that they issued me a "black" card with a higher limit. Well I became deathly ill with RSV and COVID. While in the hospital for several months, I ran out of leave time at work which left me in a leave without pay status, causing me to miss several payments. When I was finally able to catch up my payments, I find out they have closed both accounts even though they had documentation from my job and doctors. DO NOT GET A CARD WITH THIS COMPANY BECAUSE IF YOU SHOULD FIND YOURSELF IN A SITUATION LIKE MINE, THEY JUST WRITE YOU OFF. Horrible experience to say the least. My card companies worked with me, but not them!!

They charge you 9 dollars a month and 30 dollars fee yearly and you can not pay the 99 dollar fee ahead of time. Oh and Don't misplaced your card that a 25 dollars. This would be the last card I would use in case I need to use a card. I can even understand their customer service.

Applied and got approved for this card because Credit Karma gave me excellent approval odds. There is no way to contact Credit One Bank that I can see. They have a bunch of FAQ's, and from other reviews that I'm reading, I'm not the only one that has this issue. What isn't explained to you upfront is, when you pay your bill, it takes 7 days to reflect in your available credit unless you pay an extra $4.95 "express" fee. No thanks!

This credit card is full of fees, never updated your credit usage as it dissipates, but hits you hard as soon as you use the card. They charge you for not using it, take fees to have it, and charge you for using it...worst credit card company ever. Waiting to find a cancellation fee associated once I cancel.

I have credit card from Credit One Bank. It does not raise my credit scores. I pay one time which is every month. Every time I pay my credit card bills I never get money for me to use, not even cash advance.

I was in Mexico and left on 2/11/24. A few days later I realized I did not have my credit card. I call to report my card stolen and charges made after I returned to the US. There was 4 different charges on 3 days after I returned. They asked when I lost the card & I told them I did not know. They denied the dispute because I did not know when the card was lost. I then sent a letter with my flight ticket showing I left on 2/11 and I was not in the country when the purchases were made. I was still Denied! They are the worst Customer Service with no common sense. Go elsewhere even at a higher rate!

Filed a complaint with the company about a fraudulent charge. The charge had not posted yet so the rep informed me the complaint would go in as soon as it posted. Was informed it would take about 3 months to investigate. This was on 19/28/23. I called back in Jan to find out how it was going and then received a letter saying I waited to long to file a claim???

I have been with Credit One for a couple years now and the end of last month my account was flagged because their creditors called a wrong number and someone said I was dead, that happened on Dec. 26th after paying my balance off and using the card all of a sudden it declined. I was so Pissed. I have called everyday since and I get the run around about the forms I now need to send in proving I am alive.

Just found out I've been charged an "ANNUAL FEE" every month for the past year and a half. Turns out, they decided they were going to change their terms of service and never notified me. I dug through my financial documents and emails, no sign of this change of agreement. So I went looking for the original agreement when I got their card. The paper* agreement that came with my card said nothing about changing to a monthly fee. Legally speaking, you should be asked to sign an agreement if the terms change and are not included in the original agreement. I will never recommend this company for this nearly scam-like breach of agreement practices.

2x months I had scheduled a payment, both of which were cancelled unbeknownst to me. I found out the day the payment was due with a text telling me I had a pymt due. Although I made screenshots of the 2nd payment showing the date of scheduling [thought I learned from the 1st time] When it came to the phone call, the information in the notes had been changed. When I asked why there was no notice for the cancellation, I was informed "BECAUSE we don't provide references/notices for cancellation" So I got screwed regardless of what I said, they had a "scripted answer" and had manipulated my page to the reflect the info they wanted. Was told the only way to keep this from happening was to set up Autopay. Although it is against my better judgement, it looks like I have no choice and no way to protect myself.

I had paid my balance in full and it showed availability but then when I used it, iT declined. I called they said fraud in the area so wait. Yet I never got a message asking me if I tried to use it and none of my other cards had issues. Then I finally could use it for $5 but nothing more though my limit was paid in full. They just asked I prove I paid for it. So I went online to show it and the site never worked!! Omg this is the worst card. Don't bother with it. You can't ever use it.

Just received a letter from Citibank that my account was closed due to uncovered unusual activity. Paid $39 for the annual fee and this is I get???. What if they collected 100 people for $39 and close the account before one or 2 months?...I called customer service and just say, they could not refund it.

They don’t care about you only about their numbers. They will do what’s best for them and not you. They took my money and never gave it back claiming that they did not receive the documents when they did but it was in my favor so they closed the case.

I accepted an offer for a $500 credit line through Credit Karma. I received the card and upon registration of my account on the Credit One app, I was able to see that I owed a $39 annual fee. Cool, I read about that. I paid it off immediately. A couple of days later I used the card to pay $25 for a Netflix account. No problem. I waited until the statement date and then immediately paid off my whole balance. The next day, I go to buy snacks after work, and my card is declined. I call customer service and they tell me they locked my account due to "security reasons". Wouldn't tell me anything specific. They ask me again for 2 forms of ID uploaded to their website.

Their websites and apps won't allow you to make payments. You will be forced to call customer service and be charged 4.95 to make payments. No customer service representative or supervisors will speak English and you will be transferred, transferred, and transferred again. Don't use this company for credit card or any product they offer.

Couldn't get replacement card for 5 months. Each representative lied about following up on the card in 7 days. They shouldn't be a lender. Cancelled account. Thank you Jesus each month on the phone over an hour, everyone of them speak gook or can't say your name.

If you’re looking for a credit card do not go for this one. This is the worst credit card that you can get. They charge annual fee and interest. There will be a time that you don’t owe even when it’s paid off. You close the account and they keep adding charges. Worst company ever. DO NOT GET THEIR CARD! They will be your worst nightmare plus customer service is very unpleasant and very rude.

While I was thankful to be approved for the minimal amount approved, the waiting period between paying your monthly balance, the balance updating on your available credit and the time for the funds to be available for withdrawal again is a bit ridiculous. The Credit One card is the only card I have ever used that applies this format. Once my account is paid off in full, I will be cutting the card up and melting the pieces out in my fire pit. I always destroy my personal financial documents and expired/no longer wanted cards that way. Less chance of someone else getting ahold of such information. To each their own but, I do not recommend.

Instantly charged card $75 upon approval and then wouldn't let me use it until I provided information they didn't need.. I gave them w2 statements. SS card. Drivers license and they still wanted more, from my roommate... I canceled and they still tried to charge me money.... Do yourself a favor, try a different card!

There was fraud on my credit card and they did not and would not help me. Worst company ever! I spent over an hour on the phone fighting with them and their horrible customer service asking for me to prove to them it was fraud! This company will not protect their customers from fraud!

The cards are ok. High interest but I pay bills on time weeks before payment is due. Issue is that can't use wallet or apple pay as it doesn't support those cards. Come on now! Also are there any people who don't have ** accent that we can speak to so we can understand them better on the phone?

I've had 2 Credit one cards and for years things were fine. Then when I lost my job I was able to make my payments. But not long afterwards my 14 yr old grandson lost his battle after a year with cancer. I needed to help with financial stuff for my kids. So somehow I was late on a payment. Silly me I went paperless long time ago. I called to get a paper statements they were to gong to mail me them with in 14 days! They NEVER did.

Do NOT USE CREDIT ONE BANK!!! I have been fighting a “charge back” for 6 months. I stopped payment on a fraudulent order. Now Credit One is CHARGING me for the product I stopped payment on! They call it a “charge back”. I have been FIGHTING this for 6 months! So for stopping a fraudulent charge I’m being FORCED TO PAY FOR SOMETHING I DID NOT ORDER in order for them to release the Bad report they put on my Credit that has gone DOWN almost a 100 points since this started. This is outright theft and ransom money they are charging me!!!

Credit One is charging me late fees and giving me a negative credit score for paying early. If my credit is going to be ruined for paying early, then I might as well not pay at all. They are the only credit card besides varietal one Walmart! The card was cut. Walmart next! I’m done being robbed for doing the right thing!!!

I went use my card the other day to pay for parking which was $12 and I logged into my app. Saw that I had $86 of available credit and to my surprise the card was rejected/declined. Called customer support and was told my account was closed back in Aug of 2023 to which I had no knowledge of and have been making minimum payments every month. Bad practice closing out someone's account without informing them and then the next day in the app it shows I have $0 available credit but still nothing saying my account has been closed. Credit One needs to make this right.

Why is it impossible to pay off my credit card and have a zero balance with Credit One Bank? I paid my current balance, which was the same amount as the statement balance by the way, then I called to request for a fee to be waived. They approved for the fee to be waived, which should put my available CREDIT over the limit. Two days later, I checked, and I saw that instead of my credit being over the limit, I had a balance. I called and asked why, the supervisor whom I spoke with said he was sorry and promised to reverse the remaining balance to put my balance at $0. I checked today, I account still have a balance. Is it their way of making people pay interest non-stop? Am I missing something? All I really want is to have my balance at a $0 balance.

Credit one bank Is a rip off. I was told to mail payment pay off payment to correspondence and now they can’t find my pay off amount. I am furious. Customer service is rude and not helpful at all. I’m filing a lawsuit.

Applied for one of their Cards, this card never arrived in the mail. What I did receive was a bill for charges on it. I contacted Credit One and spoke to one of the rudest persons, with absolutely NO customer service skills. His job was only to call me a liar and blame me for the charges. After some time of arguing with him, he said the charges would not count against me. I asked the account to be immediately closed which now upset him again. Credit One Bank began a nonstop campaign of Calls, Text, E-mail going back on our conversation and again blaming me for the fraudulent charges. They have never offered to show me copies of the signed receipts required for purchase with a Credit Card. They now have reported as Derog on my credit, multiple times for the same account. They close the case then re-open it as a new card, hurting my credit ratings. Credit One Bank will not stop and has resorted to extorting me for their mistakes.

They gave us credit card, no problem but I was appalled that I have to pay $4.95 to pay for it but it could be supposedly paid right away. If not they’ll make it two weeks wait, two weeks for two appear on your account and my husband and I are both authorized users on each other’s cards and I wanted to be on there to make his monthly payment, do you want to charge us $18 for that even to make the payment so they just goddamn rip off.

Before the card even arrived it had been canceled, they even tried to charge me the fees associated with the account. The card had never been activated, but they claimed it had been lost or stolen. I wouldn't ever apply for this credit card.

After several years with these cards, it has become apparent to me that they purposefully make the billing confusing so that they can charge late fees. We are going to pay these cards off, use them sparingly and pivot to our Citi Cards instead. We are tired of the late fees and the intrusive phone calls in the middle of the month begging for money for payments that we already paid, but were partial payments because we weren't aware what the actual payment was on the due date!!

My card has been restricted going on a year. I keep telling them I have no utility bill to provide so they asked for my w2. Provided my w2 and my card is still restricted. Not only is it restricted but there's a balance of 125 on my card when I haven't used it in months. My last payment I paid the entire card off. And customer service won't talk to me about my balance cause of the restriction but happily takes my money to pay this bill every month when I can't even use it. Just dealing with customer service gives me anxiety. I really have no idea how they're still in business especially when they blocked my card while I was out of state and needed it the most even after I verified my identity multiple times and informed them I would be using my card else where. Tthis whole thing is a scam and they should be investigated. If I could give them no stars I would.

I have been a customer for over 20 years and I have never been late on one payment. I noticed that I had multiple back to back charges on my account in which was totally out of character. Once I was aware I immediately made them aware and they reversed the charges and issued me a new card. 2 weeks later I seen that they added the charges back to my account and I got a email saying the investigation department said I was liable. I made a in depth police report and tried for a week to send it to them where they told me to send it but the website kept saying try again. So I decided to email it to the address that sent me the notice that I was liable. Luckily they did get it. Because the address was supposedly unmonitored they said that they got the report and not to email them back... It’s been a month now and they still haven’t finished their investigation.

I was on my way out of the Country, and I contacted customer service and advised that I would be out of the country so that I did not have any problems while gone. I stopped at a restaurant in Istanbul Turkey and when it was time to pay my card was decline besides being embarrassed. When I contacted the customer service, they told me they had a block on my account for identity verification. They also told me that they needed my driver's license. I informed them I was out of the Country and that I had my passport they told me that would only work if I sent them a copy of my bill.

Card is always declined despite having it paid off and customer service is worthless. Their customer service phone number is automatically flagged as “known malwarebites scammer” too. Customer service is worthless in solving this issue. I’m shredding both my CreditOne cards. Don't waste your time or money on this high annual fee worthless trash card. Better off not having a card at all so you can avoid paying for a card you can never use.

I canceled a card because Credit One Bank charges crazy fees on their credit cards. I canceled my card with them. They put charges on that I had to pay before I closed the account. After the account was closed, they put an annual fee on the account and called me three times as of this date, trying to collect 39.00 on an account that is closed. They are obnoxious and a price gouger. It's the worst credit card company I've ever interacted with.

Once you open it you can not close it. I paid off my balance 2 years ago and closed the account. They open it every year and say I owe the yearly fee. When you call the girls keep transferring your call. They will not give you their name. They do not speak English. I have put in a dispute thru the State's Attorney General. Now they have sent to my credit report as me owing 103.00 dollars. I have to sue them.

I've been with Credit One Bank almost 3 years and my payment history is pretty exceptional. In December of 2023, I was approved for the credit protection program and was approved but not activated. I don't understand this idea of assistance if they're still charging me a minimum payment each month with interest growing plus late fees adding up against me. Where's the help in that?

I DO NOT RECOMMEND THEIR CREDIT CARDS. I'M TELLING YOU NOW. Once you receive the card and try to make a transaction you have to receive a text message or email to confirm it's you making the transaction or else your card will be blocked. AND I'M TELLING YOU NOW the online features for real time alerts notifications are disabled. You will be stuck in limbo with a blocked card. I'm telling you. You'll see.

I called telling them I had bank fraud and accounts were frozen and to not charge my other account late fee. Because the payment won't go through because of bank fraud the bank froze the accounts. They didn't care. They still charge me late fee and close my account because they could get payment right then and there. I called twice explaining. Don't get this card. I would recommend it.

I got this card because credit karma said it would be good for building my credit but has done nothing but put me worse than I was. I have a 300 credit limit, I've made 8 payments and they say I'm over my credit limit! Paid my bill on the day it was due, they waited 4 days, then said my payment was returned and charged me a 30 dollar late fee. I've already confronted this company once because they charged me late fees when I didn't even activate my card yet! This company is trash! They made my credit worse! Try to get in touch with someone again and it's all automated! Worse customer service ever! I will pay this off in full and cancel this piece of crap card forever and advise all to stay away!!

Do not get this card. I used the card for 20$ of gas. The gas station put a 200$ hold on it, I got gas at another station. They also put a 200$ hold on it. I called the company. Say, "What's up?" They say, "Oh your holds will be off in 7 to ten business days." Who wants a card where most people don't accept American express so I said, "Cancel this card. They did and they also charged me the 100$ annual fee and I only had the credit line for one week so they stealing from me. I hope this review make them lose millions. Remember I told you so don't use them as a credit builder. Go to Capital one. There is a reason their stars are low. Follow your gut. Don't use this company!!!!

I applied for their $200 security cash back card. I received the card and activated it. I got a letter say it was suspended for verification process. Sent in DL, utility bill, and paycheck stub. In Oregon, when you move, they do not give you a brand new license, they give you sticker with new address. I submitted front and back of license (sticker on back). I waited for their 7-10 business days. I tried to use it and it was declined. I received and email saying I needed to contact them at the number. I called. First off, I don’t have a problem with their customer service department being outside of the United States. Second, they are very polite. But it literally is a cookie cutter response department. I keep getting this, "You need to send a copy of my drivers license." I have submitted that 3 times.

Applied for credit card. Was approved for $300. They took $75 for activation card was sent to my old addresses. I called to tell them I never got it. Gave them my new address. They told me they were going to FedEx the card to me without me knowing they added a $19 FedEx fee to the current $75. At this time January 2024 29th I still haven't got the card. I have never activated the card but there is a $90 fee already on the card from my initial $300. Unbelievable. Wow. Bad service. Don't get this card. I'm going to cancel it.

So, it seems like ConsumerAffairs are more about making things more peaceful when writing a negative review on a scam artist creditor, even though I see OTHER reviews that are a lot harsher than mine being okay to publish on the experience section. I WILL be continuing to write negative reviews until one gets approved, because I don't like when an negative experience being ignored, while protecting a fraudulent company to benefit in the long run, so I highly recommend you accept this one ConsumerAffairs.

Had 2 cards. Both paid in full and on time for over a year. Because I made multiple payments on one card in a month they shut the one card off. Wanted to see my bank account. I called and called. Mind you both cards were paid in full. After getting nowhere with them I closed both cards out. With their high fees and etc stay away from them. If they can't make money off you they will put a hold on your card even if you were on time and never late. They offered me a credit line increase if I kept the other card. Needless to say I told them to drop dead AND CLOSED IT OUT. CENTENNIAL FINANCE IS THE BEST TO GET LIKE REFLEX OR ASPIRE.

DO NOT GET A CREDIT CARD WITH CREDIT ONE BANK!! I was charged an annual fee after I already closed my account the prior yr and didn’t realize until it showed up on my credit report!! I called in and they charged me 2 late fees plus the annual fee adding up to $111 total for an account that I had already asked to be closed!! Also to top it off this was an account that had literally the lowest credit line I’ve ever had!! Please do not do business with them. They will charge you on top of charges and not do anything to help!! So of course I had to pay $44 to close my account in full and it's not reflect on my credit report!! Total Bull. Like seriously. Credit one you can do better!!

If I can warn 10,000 people about Credit One Bank and get them out of business I sure would. If you miss a payment with them they call you 20 times a day on different numbers even after you block them and it's always a foreign ** or ** person that calls you. Their credit claims are also fake and not real. They don't report on time payments and it doesn't help your scores improve. It's basically like a firm or any other company cheap company for low credit scores. 0/10. Never again. When I pay them off I'm canceling for good.

Horrible and fake credit card offers are their techniques if receive that offers please dump in to the trash bin, I’m warning you, they are real cheater and offering you something doesn’t exist. Please don’t use it at all.

If you make a payment on Credit One's app you have to put express payment and pay a fee. If you do standard they will hold your funds for up to a week. Paid off my card and they are not releasing any available credit for 5 days.

I've never experienced such incompetent group of people in my 34 years of life, we spent over an hour in just trying to report our card lost/stolen. Please whoever is reading this, stay AWAY from this company.

I tried to use the Credit One Credit Card online, and it set off all kinds of fraud alarms, they locked my card, and gave me a different story each time I called to try to resolve. One of their Reps went so far as to tell me “Tough luck. We might have it straightened out in 3 to 5 days.” They have no knowledgeable people in Customer Service.

$300 limit CC with COB for 2 years no late pymts. 3 mo ago my father passed and I had funeral expenses. Alerted COB my CC pymt would be delayed 2 mo. I got collection calls every 4 hrs, 7 days a week for 2 mo. HORRIBLE!

Good god almighty, the company HARASSES you if you fall even one month behind. They call every day even when you’ve told them, you can’t pay yet, but the payment will be made the instant I get paid. Then they still HARASS you daily. What else do you want me to tell you other than I’m sick of being harassed, I can’t pay what I don’t have! DO NOT get a card with them. The interest is ridiculous, the yearly fees, the shady charges that show up if you don’t keep track of your statements. Late fees AFTER you pay the monthly statement. Idk, I've reported them to consumer finance for harassment at this point. Life is super stressful for a lot of ppl, so do yourself the favor of not adding anymore to yourself by getting stuck with Credit One Bank.

I am disgusted with this company. I was sent a credit card and used it for three weeks, paid it off in full before it was due and a temporary suspension put on it as they wanted to verify that I paid it, which makes absolutely no sense as it was paid and they state that in the letter. Then they closed it as I didn’t send them the proper paperwork - they wanted a copy of my bank statement, reported it to the credit bureaus, which brings your score down 50 points! I feel this is a disgusting business practice as people are trying to repair credit or get credit. This will instead ruin your credit. This is a scam credit card to get your first payment which includes the yearly credit card membership. If you read their reviews, there is so much that can go wrong here with this company.

I got a $324 charge on my account that I did not make and they are making me pay for it. They’re making me file a police report to think about reviewing the case. I’ve banked with them for 16 years and I’ve never been late on a payment. They do not care. They told me they’d waive monthly cc fees since I’ve been such a good customer but then proceeded to say, "Oh that’s not correct info, sorry." They’re awful, steer clear.