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Cheyenne

15.03.2018

Arvada, CO

credit_one

This card is horrible. I make payments double the minimum amount every single month, but yet I have no money on my card ever. I have sought legal advice because this card is a rip-off. They charge an annual 8$ fee monthly! I'm pretty sure annual means we should not be charged monthly. I have called numerous times to cancel the card due to not being able to ever get ahead on this card. I was told I was not allowed to cancel my card until the full balance was paid off, and even when I offered to pay the full balance, I was told I could not cancel until after the payment posted, meaning they needed to charge me more money before canceling the card.

Steven

15.03.2018

Ypsilanti, MI

credit_one

They screwed my credit score and refused to correct it. I had two accounts and they closed one due to inactivity. I begged them to keep the account open. They refused. Later I found out that the account was open and there was a 5 dollar annual fee. This turned into 2 late payments drastically affecting my credit score. Over 5 bucks. I asked them to listen to my calls to customer service when their employee told me the account was closed. I lost the appeal and now I'm screwed. Their customer service are based in India and give zero **...

Connie

13.03.2018

Morris, IL

credit_one

I've had this account for 3 yrs never had a problem. What I do is take paper statements. I try to run a credit with them no interest to pay in June. I'll have a 45 dollar fee. As of right now I have a 27 dollar credit so this month I'll pay 19 dollars. So, when the fee posts they can't charge interest. I started with a 500 limit and now I'm up to 1700 limit. Never paying for limits. It worked for me.

Lynda

11.03.2018

Goleta, CA

credit_one

Too many unexpected fees. I just made a payment and no money in my account and they posted my next payment to be made already. No statement either. I am really being ripped off now. I'm worried if I cancel they'll take all my money out of my bank.

Douglas

11.03.2018

Centralia, WA

credit_one

A few months ago I received a card from Credit One Bank. I was so happy they issued me a card. I started using it and making my payments. I made a payment last month for the minim. After I clicked to send I realized I sent a full payment. I call their customer service and try to get all straightened out. What a joke!!! The person has a thick accent and hard to understand. I ask for the return of my money minus the monthly amount I owe. Told I can't have any help with the matter. We go back and forth for 5 minutes. Then I am told if I wait later I can get a check back from Credit One. Then when he sees he can't help I am referred to another man with the same thick accent and we go round and round and then he hangs up on me. So I decide if they take the full payment I won't have any money for 3 weeks until payday. So I try one more time and I got the same treatment. I gave up and had my bank stop their payment.

Samuel

9.03.2018

Austin, TX

credit_one

I'm a Computer Programmer. "Credit One" deliberately denies specific users access to their website at specific times, and literally LIES stating that they are entering the wrong username or password when they are not. This is apparently done in an attempt to prevent users who have a history of paying their bills early access in an attempt to try to force the users to pay late in hopes that Credit One can garner late fees. DO NOT DO BUSINESS WITH THIS INSTITUTION.

Marianne

8.03.2018

Black Mountain, NC

credit_one

Well I called Credit One Bank and told them that I didn't open a credit card and wanted removed from my credit report. They didn't believe me and they that it was me. It's about almost 800.00 dollars rang up on the card. I was so pissed off and now I have this on my credit.

Alexandria

7.03.2018

Shelbyville, TX

credit_one

I have never been late on any payments and when I called to get a late fee waived because they sent my payment back that I had paid on time the lady on customer service was rude and I was told I would never have a late waived again and next time "pay on time" when clearly I did! Bad service, people, and too much hassle!

Larae

6.03.2018

Pittsburgh, PA

credit_one

This is the worst credit card I had in my life to say the least!!! This company charges 35.00 on your account if you're two days late from your due date. On top of that they charge you a fee to even activate the card. The customer service is horrible and no one cares be about how they're treating people. It's a disgrace. I've had this card since Nov 2017 for 300.00. Have made several of payments use the card one time and I still have a balance of 295.00. I hate this company and when I'm done paying this card off I'm done with this company. I would not recommend or advise anyone anyone be to get this card. They're full of crap.

Lea

28.02.2018

Rapids City, IL

credit_one

If you are looking for a credit card company do not use Credit One. I've paid 3 weeks early for years. But, if you are within a week before payment is due; they excessively call you over and over and over though it's still NOT due yet. They call from random local phone numbers and no one speaks English on the other end. Lately, I paid off 2 credit cards with 2 payments, they applied both payments to 1 credit card. Common sense would say, 2 credit cards, 2 in full payments received. It's been a week since their mistake and I called several times to get the payment moved over correctly. They say "it takes awhile, may take 7days or more". They do this on purpose as interest incurs. Do not expect anything good out of this company everything cost, additional cards, additional users to your account, credit line increases are not free. Do not expect an apology for their mistake either.

Lesley

28.02.2018

Greenwood, SC

credit_one

On three occasions, I have paid on my credit card account through the bank's website on or before the due date, only to be called a week later and told my payment is late. This makes me believe that the website is faulty. After three times however, I cannot help but think the site is faulty by design to scam users out of late fees. Since the first time it happened, I have saved every confirmation page after my payment, yet the payment never clears my bank account and there seems to be little to no recourse. I am baffled at how any company can get away with this.

T.

28.02.2018

Hillsboro, OR

credit_one

So I had gotten my tax returns and wanted to pay off as many credit cards as possible, because I want to close a couple of them. So I made a second payment to completely pay off my Credit One Bank Visa and now I have to wait to verify my bank information again, it's the silliest thing I have ever heard. I made two back to back payments to Capital One and that card is now paid off, no re-verification needed, but for some reason I have to wait 1-5 days to re-verify with Credit One Bank. Now I have a full payment sitting in limbo and can't cancel the card or pay with debit because the payment shows as pending and I don't want to double pay. I have attached the email received.

Hope

24.02.2018

Avon, NY

credit_one

I opened this account because I didn't pay attention enough to the name on the envelope. I thought I was opening a Capital One card. My fault in the reading, but I HIGHLY recommend to NEVER get a credit card through this bank. My limit was not very high to start out with. I can't get a higher credit amount for stupid reason, Like I do not make enough for their standards. My three other credit cards are all well over 1000$ for limits and Always extend my credit if asked. Credit One won't extend my credit limit past 400.

Kim

22.02.2018

Burbank, CA

credit_one

I have tried to cancel this card for 8 months. I basically used the card once when I first received it--- er that I never used it. Had it just as an extra emergency card. They kept charging me fees- double billing cycles. When I tried to cancel the first time they basically blackmailed me with - "You won't have to pay the high fee if you keep your card." It was so frustrating. Still never used the card. After 7 months they charged me a fee again. I called and after 30 minutes of arguing they finally cancelled my card --- I hope --- I just got off the phone with them!

jeffrey

21.02.2018

Brookln, NY

credit_one

I asked for a credit increase. They denied me based on the following information credit amount, and too many current credit inquiries but they tell you that they will look at your paying standing with them. If I would known this I would have not have gotten this card.

Holly

21.02.2018

Stamford, CT

credit_one

I requested this Credit One credit card on the advice of Credit Karma as it was suggested it would increase my credit score. The initial card fee was $35.00 and then the first billing they charged $70.00 bogus fees and I had not even purchased anything. I called the company and they gave me a very hard time trying to close the account, I had to speak to four different people and I told them I would be placing a formal complaint against them. At this point the account is still not closed. I have also advised Credit Karma they are giving bad advice to consumers.

Danielle

20.02.2018

Elizabethtown, KY

credit_one

I had a Credit One card from July 2017 to January 2018. I never had any problems with payments, etc. Card was always paid on time and payment posted to my account within a day or so. I decided to pay my balance in full last month and close my account. After my payment posted, I received notification that they added a credit to my account. It was half of the annual fee back since I didn't keep my card a full year. I called and they said they will be sending a check to me for my refund. A month later, NOTHING!!! I have called twice. The people speak horrible English. The first person hung up on me, and the second one pretended to check on my check for me and placed me on hold... After being on hold for 20 minutes I hung up. This is the worst company ever. I want my money back but they are thieves.

Wanda

20.02.2018

Northport, AL

credit_one

I just got the card in the mail on Saturday, Feb 17th. My husband is disabled and I am his unpaid caregiver. I needed to pick up prescriptions and pay medical bills. My credit limit was $300.00. I just called today to find out my due date. They told me it was yesterday (Monday, Feb. 19th), and I am over limit. It seems there was a $75.00 annual fee taken off the top of my available credit. So now I am over limit and late 3 days after I received the card. I got this card to help me out, but now I just have more problems. SMH.

Nikole

19.02.2018

Sylacauga, AL

credit_one

I will be filing a lawsuit based on their illegal activity of double cycle billing. I opened this account in Dec 2017 basically for my son to have a card if needed when not with me. I paid the Dec, opening account balance prior to the due date in Jan. I paid the Jan balance on Feb 5, prior to the Feb 13 due date yet, they still charged interest for Jan charges. I called today to cancel the card, same issue as everyone else on here with them not wanting to cancel card. Finally the supervisor after arguing with him for 23 minutes said he would close the card. Then I log on to pay the balance off which the due date for is not until March 13 and it tells me that I am not allowed to make a payment at this time as I have made four payments in a 30 day period, which I have not done.

Joe

19.02.2018

Mesa, AZ

credit_one

I opened this card cause my credit was down. Now I want to close it. Sounds from this site that you need to talk to BBB. I will do this tomorrow. You try to do the right thing and you get screwed. I see a long road ahead. Thank you to people who have opened my blind eyes. My credit sucks as it is from ID theft. I feel I should give up. But NO. I will fight. This is America. This company is legal???

Daniel

10.02.2018

Duluth, GA

credit_one

I should never have opened account with this company, just like other complaints on here I had trouble closing my account. They would keep harassing me with phone calls if I missed payment. Funny thing is I sent out REGULAR payment, and they said they have not received my payment. (Which I sent it out a week before.) Then they told me that regular payment takes not 7 days but 7-10 business day. What a joke, it seems like they want that $9.95 fee so you use express pay. Garbage company.

k

10.02.2018

Charlotte, NC

credit_one

christie

9.02.2018

Canton, MI

credit_one

Very concerned that my request to close the account dragged on for almost a year, incurring charges and ultimately affecting my credit report. When I called to discuss this, it was not appropriately handled.

trung

3.02.2018

Fairfax, VA

credit_one

Credit One Card created 2 types of payments: Express Payment with a $9.95 fee. Standard Payment: Customers can pay by debit card or credit card and it takes 7 days for this type of payment to be credited??? This is the way to rip off customers since any payment by Credit card or debit card do not take 7 days to be credited?? I will close my account soon with this ripoff businesses.

Santos

1.02.2018

Dos Palos, CA

credit_one

Online would never work so I could make a payment. Now I'm in collections since payment never got there on time. Late fee after late fee I'm on a fixed income couldn't afford. It so now I'm screwed in collections.

Lindsay

1.02.2018

Pensacola, FL

credit_one

I called to close my account with Credit One on 1/26/18. I asked that they give me confirmation upon closure of my account with them...they refused. They said they don’t give out confirmation or reference numbers. I told him I needed something in writing but he kept putting me on hold a couple of times to come back with the same answer. It was a real waste of my time as I spent an hour arguing back and forth with him and telling him I know my rights as a consumer. The guy I was speaking to said his name was “Jeffrey” (hmmm...he was speaking really fast and it was hard to understand him as he sounded foreign without good English speaking skills). I asked him to slowly spell his name...he spelled it as I spelled it above. I am lost for words.

Nicole

30.01.2018

Raleigh, NC

credit_one

It's 2018. This bank operates like it's run by the North Koreans in 1950. This bank operates solely as "No", "No, we have no customer service." "No, we can't do that." "No, we don't do that." "No, we can't help you." And YES, we can charge you up the ass, take your money and treat you like **. Absolutely HATE this company. Hate the way they don't have a simple way to extract the statements to CSV. They don't shake hands with any of the software that manages money, like Quickbooks, or Quicken. I wouldn't be surprised if tattooed to each of their employees is "No, I don't help anyone and customer service is a country far far away, I've never been and never want to go." This is the WORST credit card to own.

Stacy

27.01.2018

Manalapan, NJ

credit_one

I got this card at a stressful point in my life, and thought it was another bank. I have had similar experiences to everyone else complaints. I had an annual fee that I knew nothing about. They started charging me monthly without my consent. They offered to increase my credit if I paid them $250 (to which I said "no!") and they just transferred me when I wanted to close my account. I told them I would get an attorney, and then they told me they couldn't close my account until they had a letter from the attorney. I got them to supposedly close it, but they said they wouldn't send me a letter confirming unless they had a letter from an attorney.

Matt

26.01.2018

Thornton, CO

credit_one

Ridiculously high interest card. Charges annual and monthly fees regardless if you have used the card at all. Credit One also conveniently neglects to tell you that they have charged any fees until it becomes late, at which point they call you immediately and several times a day. It's difficult to talk to a person and when you finally do it's some call center in India. When you ask to cancel your card they just start spouting off ** offers to keep it open and will talk over you while doing so. When I finally told them I don't care about their offers and I wanted to cancel my account immediately, they just said it was canceled and then hung up...so now I get to see if it was actually canceled or if they are going to try to charge more ** fees.

Alicia

26.01.2018

Aurora, IL

credit_one

I requested a credit card after losing my original. No card was posted to me. However interest and charges for a new card were added to my account. I would like a refund. However there is no way to phone the place to query this matter.

Brian

25.01.2018

Richmond, IN

credit_one

Credit One incorrectly marked a charge as fraudulent on 12/9/17 and has not corrected the error causing a major issue with the merchant. On 11/20/17 I made a purchase for with a vendor using my Credit One credit card. The purchase went through fine. A few days later I realized that also on 11/20 there were 6 other charges made to my Credit One card that were fraudulent. I called Credit One and reported those charges. We discussed the valid purchase made that same day and I said that it was OK and did not report it as fraud.

Alexander

25.01.2018

Cleveland, TX

credit_one

I opened this card last year and within a week was charged with a 75 dollar annual fee. I hadn't even used the card once. Decided to pay the 75 and was charged yet again just to make the express payment. Otherwise, I would have had to wait a whole week before funds were made towards the account. Decided to call and close my account permanently. One year later I get a call from Credit One stating that I have a past due balance. After speaking on the phone with them for an hour, both on hold, and being transferred back and forth, they were finally able to close my account again. TERRIBLE TERRIBLE TERRIBLE CUSTOMER SERVICE. To top things off you can’t understand a word any of them are saying. DO NOT open an account with them!!!

Antonio

24.01.2018

Saint Albans, NY

credit_one

My wife got a letter from this bank offering a credit card and my wife believed that this was from Capital One because its logo is pretty similar. By mistake my wife applied believing that this was Capital One. Next month she got a new letter charging her $75 for a membership that never was notified. Do not be unwary. This is a very fraudulent offer.

RAY

24.01.2018

Burkburnett, TX

credit_one

Credit One Bank is very slow on customer service because of foreign speaking workers. They also at time when you're trying to pay on your account online block your usage. I reported them to IC3 because they want to charge a yearly charge and make you pay a late payment when you don't even own any money on your balance. LifeLock acts stupid when you call them and disconnect you on the phone. Acct: ** ref: http://www.creditonebank.com. Also, sometimes their website is being blocked by foreigners... They want your Social Security number when you get a call from them...

Richard

19.01.2018

Waterford, WI

credit_one

Impossible to talk to a person. Paid credit card bill, said I was late. Finally found a way to get thru. Late payment was reversed. Was told payment should be made 7 days ahead so it would post. Doesn't make sense because when I schedule a payment it’s always out of my bank the next day. Now they say I'm over my limit, but I'm not. Phone system is down today for service. Don't get this card. I did it to build my credit which it had done in the beginning. Would close it but don't want to hurt my score. Maybe Wells Fargo owns this.

Jean

17.01.2018

Mayfield, KY

credit_one

My sister in law saw a double payment on her account last year. She called them immediately to have one of the payments reversed, and the money returned to her checking account. Simple, right? Ahhh, no. The extra payment was reversed, and the money returned to her. In the meantime, THEY had reported a duplicate payment as fraud (yes, you read that right. A fraudulent PAYMENT). So they closed first account and issued new card, number account and all that.

Alexandra

12.01.2018

Santa Monica, CA

credit_one

Buyer BEWARE! This card will charge you to make a payment faster than 7 days and nickel and dimes you to death. There's also no easy way to get a human customer service person for anything. Frankly... I am sorry I ever got this card. Why should I pay an additional $9 to do a 2-day payment processing and why if I pay a few days before my due date am I held up for 7 days then charge a late fee for them holding my payment when it leaves my bank the day after I pay it. This is VERY BAD business.

Shauna

12.01.2018

Tampa, FL

credit_one

I paid off my card every month, had them for two years. At the time I had no choice because of a bankruptcy and they took full advantage of that. So the fee was annoying but I needed a card to build my credit so I thought. Not only did they charge that fee, I figured out after researching further I learned they charge interest multiple times a month, they drag their feet on processing fraud charges to ensure they can charge interest on those amounts, they also charge fees on those charges as well. They take over 30 days, actually more like 90 days to put any fraud charges back on your card. I realized that when I was being charged 100's of dollars on my card even with paying them off every month.

Melissa

11.01.2018

Phoenix, AZ

credit_one

How can a credit card company/bank not have a workable website to make payments to. Their website never loads and they try and force you into calling and making an express payment for $9.95. Can never get through to an actual representative. Automated phone service directs you to a website that DOESN'T WORK.

Jenny

10.01.2018

Aliso, CA

credit_one

I had no idea that this credit card was for "high risk" borrowers or those without credit. I am a Canadian living in California and they sent me offer after offer to sign up, and I wanted my own independence from living off of my husband, so I took the bait. I also signed up for paperless billing right away. This company never emailed me a statement in the 3 months I was with them. Therefore, I never thought of them. However, they started calling me incessantly recently, and I took the latest call. They told me I owed $118.93. I told them I had never used the card before, and in a quizzical manner asked how I could possibly owe that. They said this was the activation fee and then subsequent late fees for not paying the activation fee, as well as a fee for the "pretty" design of the card I chose. I told them that they never informed me upon signing up that there were any such fees associated with opening an account.

patrici

10.01.2018

Los Angeles, CA

credit_one

Two years ago I reported my card lost/stolen. They said they would send me a new card, they never did. I repeated the process of calling to report lost/stolen several times. They keep charging me interest and late fees on a card I don't have plus the yearly fee to just have the card. EVERY TIME you call, you wait on hold, get transferred. No one helps. I've had the same conversation with them for TWO YEARS. No idea how I will ever get this card closed or resolved. Seriously. They are the worst experience I've ever had.

janis

10.01.2018

Londonderry, NH

credit_one

Months ago I paid the entire balance on my Credit One Credit Card Account. It has taken months to pay off additional interest and other fees. I have not received any bills in the mail for months but received a call from a representative this weekend advising that I owe over $50.00. No purchases have been made since Nov and those were paid in full. Apparently there was .51 in interest. I now owe them over $60.00. I paid this just to get rid of these legalized CROOKS. Although I closed this account months ago, I am still being charge a monthly fee. My interest rate is 24%. Stay away from Credit One Credit Card Account. How have we allowed banks to do this to the American public? This is an outrage.

Kelli

9.01.2018

Elsmere, KY

credit_one

Just like all the other reviews. Stay away from this credit card. I have had this card over 3 years and unbeknownst to me another application was submitted using a different address. That account was not opened which is great but they have not blocked my current card for access. They want me to send in documentation when I called them though payments have always been made on time. They are refusing payments over the phone and on my due date will be late because they are saying you have to mail in the payment knowing it’s due today. They are a bunch of thieves and told them to eat the balance. This is how they treat good clients. STAY AWAY from them.

THERESE

9.01.2018

Folsom, CA

credit_one

I have tried for days to log into their website and it will not open, I have read many other people are having the same problem. I don't know what to do. I just want to pay off my card and close it immediately. They have reported falsely late payments and ruined my credit as well. Something must be done.

Osman

6.01.2018

Los Angeles, CA

credit_one

Receive card about a month ago and so far I've had problems with trying to login to my account, I've called customer service several times and they are absolutely no help at all. They are trying to make me pay over the phone and charge me the Express payment. They keep calling about 5 or more times a day. My payment due date is today and yet I've been receiving phone calls for the past 2 weeks. Still with no success to log in to my account, customer service is being rude and unable to help. I strongly suggest to stay away from this credit card to Avoid the headaches and stress caused by them.

Cynthia

6.01.2018

Port Townsend, WA

credit_one

This credit card company makes it difficult to pay online. Their website or app is either corrupted or doesn't load and when you attempt to pay it does not allow you to do. You are then forced to make an express payment over the phone which costs 9.00 extra to do. This is also where they can collect on late fees if you are unable to access the site online. I called customer service to make a payment and complain that the website had been down and asked why there isn't an option to make a standard payment and only an express payment over the phone, they stated that can only be done with the online option. I explained that the website has been down. I have attempted 4-5 times in last month. They stated there was nothing wrong with the website. This credit card company is corrupt, steer clear. I have read reviews where others have had difficulty accessing the website to manage their account also.

penny

6.01.2018

Kenton, OH

credit_one

I hate this card. Their website is always down. When I call in every month to make my payment, I demand that I do not get charged a $9.95 fee because it's not my fault their site never works. Although my credit report always shows I am in good standing with them, they never update the balance with the 3 major credit bureaus. I'm so over this card. My account is getting shut down as soon as it's paid off, which by the way, I have no idea what my balance even is since I can't get into their website. This card is trash. I'm going to write them a certified letter when I shut it down and if that doesn't work I'm contacting my lawyer. I don't see how this place hasn't been investigated for fraud yet by the Attorney General. Obviously, we aren't just a bunch of complainers, when everyone on here, including myself, are saying the same thing about this place.

Anthony

6.01.2018

Groton, CT

credit_one

While I have not had the issues of being charged for late payments, or creditor calling me every day due to late payments as I have had my account paid online on time every month for a year, I was never offered a Credit line increase until very recently. So what was my reward for on time payments, Double the minimum payment every month? An offer of credit line increase of $250 for a fee of 14.95. That is a 6% fee just to get an increase. It appears that this bank thinks that just because I have had poor credit in the past that I am incapable of thinking for myself when it comes to sound Financial decision. They offer you credit to “HELP” rebuild your credit file with the intention of milking you for every cent you have. Please DO NOT consider getting this card and be wishing you had not. There have to be better credit card programs to help you, and not be only after your money.

Christine

5.01.2018

Shelocta, PA

credit_one

We received this card and wanted to build credit, I have been trying to make a payment and have been unable to and now the payment is late. Their customer service does not allow you to speak to a human, it is all automated. They do not offer to make a payment over the phone unless you do an "express payment" which will cost you an additional $9.95 and you have to use another credit card to pay it. When you click on their customer service link on their website, the page is blank and doesn't ever load. I don't even know where to go from here to pay it, we did not receive a bill in the mail for it because we chose paperless billing when we initially signed up. Naturally that part of their website works just fine. How is it legal for a company to have a credit card and have no way to speak to a person, how do you report fraudulent charges or if you have problems there's no way to solve them. Just totally ridiculous.

CATHERINE

4.01.2018

East Greenwich, RI

credit_one

First of all, how does this "Bank" even exist? My husband and I each have a card. When my husband mailed in his very first payment it came back to him with a sticker on it saying "This address does not exist". It was the address printed on the bill. So how could it be wrong? I called them and right off the bat I said "what's the deal here?". So the man I spoke to (which, no offense) I could hardly understand because of his strong accent. Said I can pay the bill on the phone for a fee. I immediately spoke up to him and said "why should I have to pay a fee when the bill went directly to you and you people sent it back?" So I didn't have to pay the fee. Guess I got lucky that day.

Gloria

3.01.2018

Buffalo, NY

credit_one

About two months ago I made my payment to this credit card company and they charged my bank card an extra two payments! This error they made threw my budget off balance. I kept calling them then finally on the third day I explained it to her and she apologized for the error. The following month I was told to make payment through mail and always paid them on time, not only did they closed the account they place a negative remark on my credit, hurting my score. The government should really look into it. This is truly a nightmare.

Michelle

2.01.2018

Fowler, CO

credit_one

DEAR GOD!!! Pray that you never have to dispute a transaction with Credit One. WHEN I FINALLY got ahold of an agent, he SPOKE ABSOLUTELY horrible English. OMG come on now... Then after finally getting to the point of what was going on with my acct. He only said, "I am so sorry we get this fixed for you..." UGHHH then proceeds to tell me that I will have to write some dumb letter telling them why I want to dispute this. ARE YOU KIDDING ME??? Is that not your job to listen to me and dispute it??? So I TRY TO GET THE ADDRESS but of course could not understand him after he repeated himself about 3 times. He then told me, "I'M SORRY I CAN'T HELP YOU if you cannot understand me!!!" I then asked to speak to another rep and he actually told me NO!!! THEN HE HUNG UP... BEWARE!!! Still not sure what to do now...

Kameron

2.01.2018

Tarkio, MO

credit_one

Got this card and was excited as my credit wasn’t the best. I called to ask if they would waive the fee as this was my first time using them. They refused. Okay sure worth a try. The 35 dollar late fee is ridiculous as it gets added if the payment isn’t processed by the date. Why does it take them over a week to process a payment? Second if you are even a day late they call you every hour on the hour to try and get a payment out of you. It has gotten to the point where I block every single number I know is them. As far as the on phone processing fee (10.00), if you tell them you aren’t paying a fee they waive it. Just a heads up for others who have this card! I will be canceling as soon as my balance is paid off, which with all the fees won’t be soon enough.

Elizabeth

1.01.2018

Odenville, AL

credit_one

I called Customer Service to make a payment on my account about 1 day before it was due; usually do this online, but for some reason the website wasn't coming up. So I called to make payment; I usually do a standard payment which is no charge. I was informed that my payment would include the express payment fee and I specifically told the moron of the representative; which by the way she was completely rude that I didn't want to make the express payment -- just wanted to do a standard payment. She tells me in a rude manner that I couldn't do that over the phone; I told her the problem I was having with the website and she said something -- which I can't remember -- but it was demeaning to me!

Laura

1.01.2018

Bozeman, MT

credit_one

I have been trying to access the website for 3 days now. I called customer service which is in India of course. Luckily after waiting 20 minutes, I talked to a rep who wasn't from backwoods, East ** India. They said turn off ad blocker, clear the cookies and use a different browser other than Google or Explorer. It's still not working. I want access to my bill. After reading the reviews online, I'm very concerned they are trying to limit access to create revenue from late fees. If I can't get some satisfaction by the middle of the week, I will be speaking to the Attorney General's office.

Wynisha

29.12.2017

Dallas, TX

credit_one

I’ve had this card less than 2 weeks and purchased one thing on it. I kept trying to pay it off right away but the payment never posted however they reported to the credit bureaus that I didn’t pay which dropped my credit score by 35 points. I was absolutely furious as I pay all my credit cards off in full every month. Received a bill that said payment was due on the 1st for an amount of $45 which I’ve been trying to pay. They sent this over to the bureaus on 12/23/2017. I received the card on 12/15/17. When I called to ask why they would send that over when the payment isn’t posted and I can’t pay they hung up on me. Which pissed me off. I called back asked for a supervisor who spoke no English.

Constance

29.12.2017

Willow Spring, NC

credit_one

If I could give them a 0 I would. First they canceled my online access because they had a trouble processing my on time in full payment, then it happened again! When I called they said that I had to send a verification of the bank account number by going to my bank and having them send a letter that the checking account was mine. I refused, so they closed my account. I paid my card in full every single month and was a good customer, but they are a terrible credit card company, and I am really glad I don't have to ever deal with them again.

Jennifer

27.12.2017

Lewisville, TX

credit_one

Let's be honest, this card is designed to hook people with low to no credit histories. Bottom line. It's the same reason I was approved for this card so don't feel bad if it's the best you can do right now. However, this company is a giant scam. Their customer service is deplorable, their website often doesn't reflect current information (good luck calling them to try and have this corrected), the app... Well that's just a joke, oh and for the love of God. PLEASE check your balance even if you've paid off your card in full because they will try and trap you with late fees if you are not careful. Credit increases appear to cost you 10% of the credit line increase being offered (at least for me it seemed to average out that way). In short, if you are going to go with this card, make sure to monitor your account because they do NOT have your best interest at heart.

Dawn

27.12.2017

Monterey, CA

credit_one

Received a $300 credit card. They took half the credit up front as fees. Today, they called at 7am. They call non stop all hours of the day. It's super harassing and stressful. No boundaries at all. Rather take a ding on my credit, than deal with this any further.

Marcus

27.12.2017

Custer, SD

credit_one

I opened this account with a score in the high 700s, was approved and they started calling me 20+ times each day a week before my due date demanding a payment, they are rude on the phone and clearly don't care about their customers. Their goal seems be to suck in and cheat as much money as possible from low income families who already struggle.

Jason

27.12.2017

Pleasant Prairie, WI

credit_one

I've had a $0 balance for about a year. They started adding 1/12 of my yearly device fee onto my monthly statement. I pay it. This month, I sent my $8.33 check out on the 11th, for a due date on the 23rd. They didn't cash it, and added a late fee. It may be plausible to be late if my check went out a couple days before the due date, but not 11 or 12 days. It is incredibly hard to get someone on the phone, and the customer service is terrible. I'm closing my account as soon as they remove the charges, as promised. This company is garbage, and they prey on people. Beware.

j.

26.12.2017

Spencer, NY

credit_one

This bank is the highest rates I have ever seen and there are charges given to an account even when the card is no longer being used and is paid in full. They spam mail you with offers about "pay us $25.00 fee now and we will extend your credit". If you come across them walk away or pay forever and get nothing in return but hassles! I have wanted to finish paying on my account and close it but the website has been down for around 2 weeks. Horrible company and no customer relation whatsoever.

Mark

24.12.2017

Grand Island, FL

credit_one

They won't give me a credit line increase and my FICO score is 828. I am sitting at a $900 credit limit and my credit limits with other banks are from $5,000 to $28,000. I would close this account but it is my oldest credit card so it would hurt me to close it.

Josh

23.12.2017

Skowhegan, ME

credit_one

Credit One is an absolutely horrid company. I accepted their offer when I was younger, and I deeply regret it, because it's nearly impossible to close your account with them. You need a lawyer or another agency to ensure your card is closed by having both written and oral confirmation, multiple copies, all signed in triplicate. Google "how to close a credit one account" and see the horror stories for yourself. It takes several months to happen.

Ann

21.12.2017

Branson, MO

credit_one

When you pay your OWN BILL ON TIME you are charged $9.99 for each month that you pay your bill by phone. If you send it by mail they're apt to charge you also a $35.00 late fee. I sent my payment in to them by mail 10-12 days prior to payment being due. They're very slow to process your payment or they are probably stalling to get the extra $35.00. (My best guess)… They also CHARGE YOU $19.99 to add to your credit limit, & they keep trying to get me to accept a credit line increase. I won't add a credit increase due to their policies. They're not FOR YOU. They're for themselves, believe the term to best be used for them - GREED!!!

April

16.12.2017

Ferndale, WA

credit_one

I have been a cardholder for a while. A few things that are not so great: the website is NOT user friendly or easy to understand the information (I check my account regularly. Will not see a payment due yet somehow I get a late payment warning and late fees), the only way to contact for help is via phone. No email or chat and if you have to call be prepared for a wait and when you do get through frustration trying to pull out any competence from who you are speaking to, interest rates are high. If closing it didn't impact my credit score I would have already.

Marne

15.12.2017

Warminster, PA

credit_one

On two occasions, a week apart, they withdrew funds from my bank account for payments without my authorization. A year prior, I notified them of fraudulent charges. Their researches showed that it was done via a PayPal account in Spain (I live in US) that was not mine. I followed up with them and they ignored me. They never corrected the charges. Instead, I was charged a fee for a new card. Do not do business with them. You will regret it. They should be out of business.

James

14.12.2017

Dunedin, FL

credit_one

I have a Credit One card account, I made my usual payment on Dec. 1st. On Dec. 13 They drained my bank account without my approval. When I tried to contact them all I got were foreign offices and dropped calls. Every time I asked to speak with an office located in the United States, I was denied. I feel uncomfortable giving my personal information to offices outside the United States.

Pamela

11.12.2017

Locust Grove, VA

credit_one

You can't get in touch with them most of the time. And you can't email them or do an online chat with them. They sometimes answer when you call but sometimes not even a recording, it just rings. Something definitely wrong with this company. The customer service representatives don't even sound trained.

Kristin

9.12.2017

Bronx, NY

credit_one

Platinum Visa - This is absolutely the worst card to apply for. I wish I would have done research before I applied. There’s no way to get in contact with an actual human being. I have a charge on my account for something that I didn’t purchase and now my account is negative. I’m gonna pay this off and close my account asap.

Brandy

8.12.2017

Milpitas, CA

credit_one

The worst experience in my credit history has been dealing with Credit One Bank (AKA Capital One). As a customer, I was mislead what my annual fee would and did not realize for the past 3 years I was being charged 3 times as much as to what I agreed to upon agreeing to accept the credit card, which of course was spread out and billed each month. When I contacted customer service to explain the issue and requested the difference back, they said they were not able to credit back to my card because I had zero balance. They should change their name to "CUSTOMER NON-SERVICE".

Sandy

7.12.2017

Naples, FL

credit_one

They make their policies very unclear and then are very underhanded in explaining them - if they can explain them at all, I was able to tell the representative more about the user end of their website than he was able to understand. Example, it says you can change your due date as long as you are within 5 business days of your current due date. So, my due date was on the 5th, and on the 29th of the month before, I changed the due date to the 15th. A green check mark appeared in my online settings and said changed. No other information was displayed or emailed/texted to me (I'm on paperless settings, so I would not think I would receive anything postal mail).

LOUISE

5.12.2017

Tarzana, CA

credit_one

The right arm doesn't know what the left arm is doing. Their customer service is non-existent. They sent my card to the wrong address FOUR TIMES & their website when wanting to review my statement is mostly unavailable. Just the most FRUSTRATING ORGANIZATION TO DEAL WITH. Will pay this off & be done with them to save me the angst their card is causing me.

Steven

4.12.2017

Myrtle Beach, SC

credit_one

I have had a Credit One Visa for 2 years. I started with a 250 credit limit. I immediately up an online account which was challenging. Upon successfully completing the setup I linked my bank account. This was all in the first 2 days of being approved. I have been using and paying the bill online since approval and to date have had 1 issue with their site being down. I always pay early so this was not a problem, I was still able to pay by the due date. After about 4 months I received a modest Credit increase, then another in a few more months, and again several months later. At some point the yearly fee was changed to a monthly fee which almost made me late as I had a zero balance but was charged the monthly fee that I was unaware of.

Teresa

3.12.2017

Bowie, MD

credit_one

I've had a Credit One card for years so I know how they roll. They charge me 8.50 a month just to carry the darn thing. So like a fool I fell for their latest scam. I got a offer for a second account. Offering no fee for a year. Man o man was I scammed... They just congratulated me when I called questioning why they charged me 60 bucks for a card that was supposed to be fee free. Here’s what I was told… “Congrats instead of paying once a month we charged you the whole 60. See now you don't owe us again for a year.” WOW wasn't that just so nice of them? BEWARE! That no fee scam offer they are sending out is a lie. Also if you accept it remember they are still charging you that 60 bucks whether you use the card or toss it in a drawer for a rainy day. So don't forget to make a payment on that no fee for a year card. Pure and simple entrapment.

Tom

1.12.2017

Centralia, WA

credit_one

I applied for the Credit One card because I thought it was a Capitol One card. They requested I send them a copy of my social security card and driver's license. I wasn't comfortable sending a those over the internet. So I decided to do a little research on the company and it didn't look good. So I never sent the stuff they requested and I never received or activated any card. BUT THEY STILL BILLED ME! Claiming I owe them $100. I've called several times and they say they'll take care of it. But they never do. It just accrues more late fees. Last call today they told me to call back later. This company is a sham. I recommend don't even fill out an application because you will be billed for it. I don't understand how it's even legal to do what they do to people.

Inna

1.12.2017

Sherman Oaks, CA

credit_one

I am absolutely not able to speak with anyone from the company. There are 7 numbers listed, and none of them ever being answered. No email whatsoever. What's wrong with simple communication with the customers!

Rhonda

29.11.2017

Pleasanton, CA

credit_one

Received the Card and did not activate the card till 11/5/17. As of 11/28/17 they are telling me I'm 11 days late on my first payment. I have been unable to sign up on the website. It is never working. When you call to speak to a representative it hangs up on you. They tell me they mailed me my statement and I have still not received one. They tell me they emailed my statement but I am unable to view it because it won't let me create an account. They want to charge me a $25.00 late fee and $9.95 to pay over the phone since it looks like they make it impossible to pay your bill any other way. THEY NEED TO BE INVESTIGATED AND SHUT DOWN!!!

Simon

26.11.2017

Baltimore, MD

credit_one

Wish I could give them a zero! They call up to 10 times a day! Their fake card does not work. I called a couple months ago to cancel. They tried shaking me down for $138.50. Claiming annual fee plus service charges. Talked to some incompetent foreigners who shunted me to another supervisor who was foreign. Wasted almost an hour. They want your last 4 digits of your SS #. Supposedly cancelled and foreign guy would waive/drop all charges. Yea right! For past few weeks getting calls from my local area code. They don't leave messages. Answered today to get this resolved. Foreign dude named ARSON; Can't make this stuff up, tried shaking me down for same $138.50! Told him not paying. I already cancelled. He then threw me on hold with bad 80's music! Holding for supervisor. Of course supervisor line busy. So Arson gives me number to call with Pacific time hours. Asked Arson to e-mail me number. They can't do that. STAY AWAY!!!

Rick

23.11.2017

Modesto, CA

credit_one

Every month my account gets further and further behind. I had to make only the minimum payment on the account due to some money problems I was having because of a mistake with paperwork the state made and it's taken me 3 months to fix it. Now my account with Credit One bank is almost $200 over my credit limit. How are you suppose to pay off a card when you're obviously getting overcharged fees every month. Also whenever you make a payment with your debit card they charge you $10 just to make a payment? That's an extra $120 a year they are charging you to pay them. How does that make any sense? I just want to shut this card off and pay the thing off.

Anthony

21.11.2017

Norwood, PA

credit_one

My experience with this card was good. I paid my bill every month on time, received a credit line increase after 7 months. Also got cash back, (only 1 percent) but every little bit helps. If you pay your on time and don't bounce checks payable to them you should not have a problem. My credit score increased 52 points over 6 months.

Cliff

18.11.2017

Berwick, PA

credit_one

There is no need for me to write a review, read the reviews that have been posted and believe them. To add it is the only credit card company that does not accept automatic payments (RED FLAG) and you cannot contact via email (another red flag) most likely so there is no Text/paper trail to any communication. I cannot believe that there has not been a lawsuit filed against this company. I’m sure the lawyer would be able to make some money. I have been trying to contact them for 2 days to close my account, website shows 6 different phone numbers and called all 6. Got the same menu choice on all 6 and not able to get a real person. I understand it was Friday and now Saturday but "customer service" list available hours, maybe the two employees are out to lunch?

DAVINA

17.11.2017

Lithia, FL

credit_one

This credit card company is an absolute nightmare! When I received the pre-approved application in the mail, their logo looked exactly like Capital One and since I was trying to rebuild credit, Capital One is a reputable place to start. Needless to say, when I received the card in the mail and took a closer look, it was NOT what I thought it was! However, I thought I would give them a try. But after I received my first statement, I realized they were charging me daily fees and interest. I paid the balance immediately and called to close the account.

Peggyannye

17.11.2017

Plainfield, IN

credit_one

My husband had applied for this card about 2 years ago when we recently moved to a new state knowing we would need a few essentials before his first paycheck. I kept receipts as I do for everything for taxes, and my own records. I attempted several times to set up online account access as to make it easier, and even called their customer service line SEVERAL times to assist in this process, but to no avail. I gave up and chose to wait for my paper statement in the mail... NO SUCH LUCK THERE EITHER. I would pay weekly on the card for what my receipts said I charged. When my husband's job came close to ending, about 6 months after receiving the card, I called and updated the address to mother-in-laws back home. After that move, and one more a month later, we still had not received a bill.

Lea

15.11.2017

Kenner, LA

credit_one

Cancelled account with balance. As soon as you cancel account you can not pay online. Must mail in payment or pay by phone with an additional 9.95 charge. Not explained when you open account. Very hard to cancel account. Would not deal with this company for anything.

Luis

15.11.2017

Waterburry, CT

credit_one

I'm a customer. I'm a Credit One. I'm so disappointed to you. You guys are the worst one and is worse company of business card customer service online service. I give or I don't know how you guys couple years after. What is a problem after problem you guys don't result anything. Always charging me money for everything. Thank you for nothing. This is my rating. You are the worst one. You are the worst one.

Debbie

11.11.2017

Shady Shores, TX

credit_one

I have tried to pay my bill on their website since I have had this card. I pay almost ALL of my bill online. You can't pay on their site! I have changed my password and username several times- no luck. I call them- you can't get a person. They want to charge you a fee to pay through their automated system. NO real person = no one to grant you a free way to pay by phone. I wish I had researched this bank ahead of time. I am going to get rid of this thorn in my side. So that is why I am posting this. I don't want others to go through what I go through each month. This is a horrible credit card.

David

11.11.2017

Circleville, OH

credit_one

DO NOT USE THIS COMPANY - I opened an account to establish credit. I was told that every year there is a $75 fee to have the card. Instead they started charging my card a $8 monthly fee for the use and I received NO notice. Then after a few months they demanded I pay a late fee of $35 dollar each month the $8 was not paid! I asked them why they didn't ask or notify me of the change from the one fee of $75 a year to a $8 monthly fee to have the card. They told me the contract allows them to make changes to the fee as they wish. I paid and closed the account, but I do expect more issues. The customer service is in India and they act like they don't understand English and understand what you are asking. It took several attempts to get a manager to close the account also. JUST DON'T SIGN UP!!!

Jaime

10.11.2017

Chico, CA

credit_one

THIS CARD IS BAD NEWS! From the beginning I have had so many problems. Making a payment is crap. They said payment accepted to find out later they rejected it and did not notify me so while I'm think payment done it was rejected. Then by the time I make another payment it was late and the sites are always down or suppressed??? I HAD TO GO TO MY BANK and get a letter that they were actually my bank and send it in the mail before they unfroze my account. They wouldnt let me make a payment over the phone. They just said I have to verify my bank and until they receive it in the mail they cant process my payment. They also want to charge for taking a payment. They charge $100.00 annually for a card without you knowing. I was trying to rebuild my credit and this card is actually dropping it. I was also warned it will lower my score if I close it. THIS CARD IS A FRAUD!!! RUN RUN RUN!

Shabbir

9.11.2017

Villa Park, IL

credit_one

I am very disappointed with the way they do their business. I have 4 other credit cards and they do not charge the annual fee until the end of the first year. First year is usually free for most of the banks, but this bank just wants to take money from you from all the possible ways. I was charged the annual fee in the first month's bill itself which I believe is very unfair and unacceptable. They really need to work on this and make their business more customer oriented and customer friendly rather than just being money oriented. I am pretty sure there is more than one reason for this bank to consistently maintain a very well deserved single star rating on Consumer Affairs' web page. I would never recommend anybody to go for this bank!

William

9.11.2017

Tracy, CA

credit_one

Horrible service... Garbage bank. My credits score decreased up to 40 points just for opening account with this bank. I have applied credit card to make good credit score but while opening the account they do hard inquiries which affect on credit scores (TransUnion: 40, Equifax: 46). Moreover, this GARBAGE BANK charge $75 for their horrible services.

Tamieka

4.11.2017

Sylmar, CA

credit_one

I received this credit card a few days ago. I attempted to make a online payment today and I was unable to log in. I attempted to call ALL OF THE PHONE NUMBERS listed on my card, and the website, and ALL OF THEM are saying disconnected or a busy signal. How do I prevent any serious damage to my Credit?

Rick

3.11.2017

Tacoma, WA

credit_one

Lots of things wrong with this company. Their annual fee of $75 was not disclosed on the initial offer. Only four payments allowed per month. Takes 10 days for a payment to reflect in available credit.

KELLIE

3.11.2017

Moretown, VT

credit_one

I wish I had read the reviews here before getting this credit card from Credit One Bank. I, too, paid an enrollment fee. I didn't realize it at the time and was able to make my first payment online. I paid off the card and was going to close the account. When I called Customer Service to close the account, I spoke with someone who could barely speak English who convinced me to keep the card -- they would credit my account $25. And they upped the limit to $400. Tonight, I tried to get online to make a payment. I could not get on. I set up my online account over and over and kept getting a prompt telling me my password or username was incorrect. I had printed off the access information, so I KNOW I was using the correct username and password. And I tried both Chrome and IE.

Zack

2.11.2017

Malvern, AR

credit_one

When my mom first got her card, she hadn't used it yet and we were in the grocery store walking around when she began receiving phone calls. She finally answered it and talked to a woman for about 10 minutes with the woman telling her that her payment was past due and she needed to make a payment over the phone. When I found out what was going on I told my mom to hang up as I remembered that she had received mail from them the day before which happened to be her bill. She ended up getting off the phone and not even two minutes later the same woman called back and kept telling her the same thing. When we got home I got my mom's mail from the day before which had the envelope in it and when we opened it, it showed her payment wasn't due for another 2 weeks.

Nicole

1.11.2017

Las Vegas, NV

credit_one

I rate Credit One Bank less than one star. They will scam you out of money and charge you a monthly and annual fee even if you never use the card. So in the long run it ended up hurting my credit score instead of helping it. I had no idea I had two separate accounts and had a late fee. So needless to say paid what I owed which was ridiculous and cancelled all accounts with this scam of a bank. You're better off not having any credit cards than having one with this outfit. Beware!

Alex

29.10.2017

West Palm Beach, FL

credit_one

It is not good at all or transparent this card or bank. Listed several of its many deficiencies: 1- You are going to pay and they ask you for a charge to post your payments before or free and it takes 6 days... 2- For the increase of the credit they invent a rate of what they want... 3- Charge a charge of 60 usd for the mobile app and to top it off if they have annual payment and if something happens to you the payment in one day they burn the phone in calls. I do not recommend it at all, I give a star because there is no other, so it costs me what it costs me in my credit. I close it.

Scott

29.10.2017

Tampa, FL

credit_one

I spent the first 10 years of my career working for the credit card company MBNA America so I know credit card policy and customer service quite well. I can truly say this is one of the worst companies I have ever dealt with. The product is for high risk borrowers and is used as a starter or rebuilding card. They are fee happy and the APR’s are insane. I took a card at a promotion and it was a huge mistake. I have had the car for 4 years and not once have I ever been late or maxed out the credit limit. Well, this fall brought hurricane Irma to Florida and forced us into a temporary living situation for a month. We had to open a new banking account and this card and its $85 balance went 2 days past due. I called Credit One and let them know we would be paying it off as soon as the new account is set up (about a week). They said no problem and waived a late fee and said there was no payment due to November.

francis

28.10.2017

Pontiac, MI

credit_one

ON THE ADVICE OF LEGAL COUNSEL - Under the guidance of my legal representative I am presenting this document with the intention of presenting evidence in a court of law. It is unmistakably obvious that your actions regarding my account are either the result of your reckless negligence and unmitigated ignorance of how to run a company; more than likely, a well-organized, conspiratorial, fraudulent attempt to extort of funds with no moral or ethical compass and no sense of dignity or liability. I AM AN ETHICAL AND HONEST MAN!!!

Karen

27.10.2017

Andover, MN

credit_one

I am going to stick with the facts of my issues and concerns with the Credit One Bank. On Monday, October 16, 2017 I received an email from Credit One confirming the address change to my account. Red flags, I didn't make any changes. I immediately called into Credit One Bank told them about my email I received and the address change. The representative started to review my file, she looked into a few things and also went through my charges. She indicated someone called in over the weekend and made the address change. I immediately said, "It was not me", she didn't provide me with the new address but indicated she would place a hold on my account and I needed to verify with my family member who is also on the account. I made a quick call and verified there were no changes made by us and called back and talked to another representative who went into a little more detail.