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Carol

4.04.2017

Freeport, TX

credit_one

Card was allegedly sent out on 3/4 and I was notified by email that I could expect it within 7-10 business days. By 3/24, I had not received the card but had received a statement for the $75 annual fee. I spoke with a representative on 3/24 and was told she would zero out the balance, cancel the card and issue a new one. By 4/3, I had not received the SECOND card. I spoke with a representative AND a supervisor and was told 1) They cannot cancel a card and issue a new one (first rep lied? Hmmm, imagine that). 2) They would cancel the second card and issue a new one (thought you couldn't do that). 3) They will look at the account and call me back within 7-10 business days.

K. H.

4.04.2017

Stone Mountain, GA

credit_one

I used to have this credit card and was content. Unfortunately three years ago, I did a bankruptcy and included them in the contract. They are saying they are a charge-off when they know they were part of my bankruptcy. I think they are deliberately trying to be sneaky and get paid instead of respecting their original outcome.

Wesley

1.04.2017

Altoona, IA

credit_one

Got pre-approved for a credit card with Credit One. Went ahead and went through with the application process. What they failed to inform me of is that they have a $75 annual "membership" fee, which goes up to $99 for the next year. I didn't see this until I received the card in the mail and activated it. I promptly called them and cancelled my "membership" because $75 is a complete ripoff. Other credit card companies don't charge this. Stay far away from this bank. Complete ripoff.

Evan

31.03.2017

Bakersfield, CA

credit_one

I originally applied for a credit line of $750 and was approved. I get the card in the mail and find out my limit is at $500. Then, once my card is maxed out after a move, I try to pay the bill online. After trying to login to my account online I find out I've been locked out by the bank. How am I supposed to pay my bill when my online login has been locked?! Then when I call Credit One they transfer me twice and have me run around through a verification process after verifying SEVERAL TIMES. This is ridiculous, I just want to pay my bill!

Jessica

31.03.2017

Huntington, WV

credit_one

Over 2 years ago Credit One sent me an offer for a $500 card. Obviously, I had bad credit and was trying to rebuild anyway I could so I applied and voila approved for a Visa. I was ecstatic! Fast forward and my always paying more than the minimums ON TIME every month has raised my limit to $1800, some given, some accepted with a fee. They also sent me an additional card this year (MC) with an $850 limit that will go up over time, making my utilization and available credit ration even higher. I'll pay $25 for that all day!!!

Marlene

28.03.2017

Las Vegas, NV

credit_one

I had fraudulent activity on my account. I called to let the CSR know and she explains that I should destroy the card and she will send one in 7-10 business days, because they don't offer FedEx, and don't have it. I waited 3 weeks and no card. I called back and the new CSR, as the previous one, did not understand English and kept asking what he should do. I was appalled. He then put me on hold without saying so and hung up. I called back because now I don't know what is going on with the account. I received another agent, who does not speak English well, and I could barely understand them.

April

28.03.2017

Stayton, OR

credit_one

They are rude, constantly call you back to back even after you just got off the phone etc. I will never use them and or recommend them to people I dislike. Everyone I know dislikes them and I should have listen to them in the beginning. Biggest regret of my life!

Roy

27.03.2017

Lubbock, TX

credit_one

My brother used my credit card and he try to repay me by making my payment early. He filled out all the information to make the payment with the account number. I am not understanding why my payment was denied and I received a letter from Credit One Bank reading if I have another return payment they would close my account. I am not understand the bank to return a good payment online not a check or a insufficient account when his account have $100.000.00 of dollars. I am getting the feeling maybe this is the wrong bank for me. I rate this bank zero star rating.

J.

27.03.2017

Saginaw, MI

credit_one

I recently applied (3/19/2017) for a Credit One credit card online using the prequalify app and after prequalifying for a recommended credit card I was taken to their application site and which I applied and was approved for their Platinum Visa credit card. Moments later I checked the application status to see if the site could give me some information about my approval i.e the amount of my new credit line and how long would it take for me to receive my card. Website only stated that I my application had been approved and that I could check back to see when I would be expecting my card in the mail.

Linda

27.03.2017

Ault, CO

credit_one

Can not log in for months. They try to fix it over phone by having you screw up your entire computer then they say someone will call you back in 3 days but they don't. No tech support to transfer to. Only way to talk to someone is to press 000 during listening to all the advertisements.

Shelly

26.03.2017

Piermont, NY

credit_one

I paid off my credit card balance 2 months ago and actually paid too much leaving me with a $3.25 credit. New statement showed $5 balance. Called and Spoke with Maryann; insisted they remove the charge which they claim is a "monthly maintenance fee". How do you add finance charges to a $0 balance? Demanded to speak with a manager and told it would take 24-48 hours then she hung up on me. Closing this acct as soon as I close on my house Friday. Besides, I thought this was Capital One and have a FICO score well over 740 so they played me with the fake logo. Do yourself a favor and get a better card. Would give them zero stars but it's not an option here.

Zelda

25.03.2017

Orlando, FL

credit_one

I received this card at the same time I was approved for 2 Capital One cards a year ago. Since then Capital One has given me 2 increases on both my cards with them, and Credit One will not give me one. I make all my payments early, and have never ever been late. I only got the card to help rebuild my credit, and now I wish I would have read the reviews first. Once I pay the card off, I am seriously considering closing my account. There is no benefit to paying your bills on time to show you are a good consumer, when the card company won't acknowledge and try to find reasons not to give you the increases you work for.

Lyndsey

24.03.2017

Eastpointe, MI

credit_one

This creditor is horrible, I have had this credit card for a few years now because it was an easier one to get, Don't DO IT! Customer service is completely overseas. (The male reps are the hardest to understand and rude.) If you're one day late, they will blow up your phone even if you have been a customer for years and your account has been fine throughout. You can only make payments online with a check, I accidentally put my wrong checking account number for a payment, so it came back. They didn't tell me in a voicemail, email or an alert on my credit card account - I even paid it over phone once I found out it happened, and they closed my account - which they still didn't tell me. I didn't know they closed my account until I checked my credit report.

Dianna

23.03.2017

Chicago, IL

credit_one

DO NOT APPLY FOR THIS CARD. The moment you apply they start the billing cycle and charges before you receive the card or activate it. They do not send you a bill thru the mail. They charge you and because you think you will be billed the following month, wrong you receive late charges on top of the other charges and you have not received the actual card. These people are crooks. If you have this card cut it up and pay it off immediately. DO NOT GIVE THEM ANY FURTHER PERSONAL INFORMATION. They make their money by their late fees and their in-house charges. I cut this card up and will be paying in full next month. Total Fraud.

Kurtis

23.03.2017

Ailey, GA

credit_one

I have had this cc with Credit One for four months now. I knew about all the fees and charges to initially get started with this card because I had read all the fine print. What I should have done was read all these reviews first. First two months went by fine and without issues. Although I didn't care for the express payment fee, I still paid bill thru it, usually way before due and over the amount due. Worked out fine, no problem, payment went thru by next day and had credit for it.

Mary

23.03.2017

El Dorado Hills, CA

credit_one

Not only did Credit One allow someone to make 2 large purchases on my account from a computer in another state, they also allowed the criminal to transfer money from my checking account into my credit card account to cover his/her purchases. All these just days after I made my regular payment. At no time did they think this was suspicious. It's because Credit One has NO fraud protection unless you buy their plan. I had to research it all and email the two companies where the purchases were made. I was able to stop one purchase. The other one is still on my account 6 weeks later. This person changed my address, phone number, and email as well.

Ronald

22.03.2017

Baldwinsville, NY

credit_one

Sept. 2015 blocked out of my great standing account. Struggled for 2 months to be able to log in to pay on account. Ended up making payments via a 3rd party payer, due to the fact that calling credit company customer nonsupport yielded no help. After finally having the thrill of talking to an English speaking person, it was agreed that I had experienced fraud. At that point I was told there would be an investigation into the case. I paid my account 3rd party down to only a few dollars in the next few months. Supposedly someone had purchased car tires on my account that had triggered the fraud, tires that a UPS store in Loves Park IL. had called me in sept. 2015 for me to pick up. I live in central New York as I have for over 40 yrs., wouldn't order tires for pick up in IL... I had refused the tires as not mine.

Colby

21.03.2017

Atlanta, GA

credit_one

I've been nothing but an upstanding customer of theirs. I came across an emergency situation in which I needed documentation that contained my payments and current balance faxed to me on a letter head. THIS IS THE ONLY TIME I ASKED THEM TO DO SOMETHING! I understand that business' have their policies but the times that I have received great customer service were times where people were willing to go above and beyond to make me happy. Credit One was unwilling to do what was necessary to fax me my letter.

Mona

20.03.2017

Lexington, KY

credit_one

I received a credit card from this company in the mail. I was told to call a number to activate. When I did call the activation number I was speaking to a man I could not understand. He told me I needed to send in a copy of my driver's license to activate the card??? Seriously. I have never had this occur with any card I have received. I was then given a post office box number to send my copied license to in Las Vegas. I found all of this very disturbing and have decided after reading all of the other reviews on this thread to avoid doing business with this company. Something is not right here. I am right and I will not be doing business here. Consumers Beware!!

Toni

20.03.2017

Prosper, TX

credit_one

I don't think the credit card itself is bad. It will give you a start on rebuilding your credit, just don't EVER be late (not even ONE day) and don't EVER have a payment return!!!! The problem is that if you ever have a check return, well, twice (full disclosure)... they block your online capability to access your account. So this means that unless you mail a payment in via snail mail, you have to call them or they call you after the due date 500 times a day from every state in the union... I'm exaggerating of course but geez!!! I seriously get 25+ calls a day!!! I would normally just take the call, make the payment and move on with life.

Francesca

20.03.2017

Charlotte, NC

credit_one

This company has the same logo (different color) as Capital One so signing up for it was a mistake but things just got worse from there. There are hidden fees, a high interest rate and technology is way out of date. Takes multiple business days (7-10) to process a card payment online otherwise there is a $10 fee for express payment. Not compatible with financial planning apps like most other banks are. When I called in to cancel my account, they tried to cut down fees instead of canceling the account without my permission. Shady company! If you have to use this company to rebuild your credit just be careful and double check every charge. ONLY sign up if you have NO OTHER OPTION!

Naquaya

18.03.2017

Brooklyn, NY

credit_one

Their APR rate is ridiculously high, their customer service representatives are very rude, unprofessional, and dismissive to customers with complaints. They also charge a fee of $9.95 for expedited payments (which is forced) and a ton of hidden fees. It's like you're payment just to own the card. If I could give Credit One Bank a rating other than the options that are given to me it would be a negative 10! HORRIBLE!!!

T. H.

18.03.2017

Lavergne, TN

credit_one

Please don't waste your hard earned money with this crap. I have had this card for about 6 months now. In the beginning things were perfectly fine. Then I go to check my statement. And not even 24 hrs of me paying the bill. Someone charged my account 55.00. Leaving me with a 3.00 balance. They said they would file a claim but it think she was just blowing smoke. As soon as I can pay it off. I'm burning it... Do not sell your soul. Because they will do so.

Melissa

17.03.2017

Lackawanna, NY

credit_one

First off I would give them 0 stars if I could! I will begin with how disgusted I am with this company. They are the biggest scam I have ever heard of! Unreal, I was robbed of my purse and my whole life was in there in November of 2016 and all my credit cards and information was stolen. I was also hurt during the robbery and have a police report. They sent me out a replacement card very quickly but, my limit was reached so I have not used the card in months prior to the theft. And, I was faithfully making payments before this happened to me. Anyways, I have called explained my issues and have made several payments to them in the meantime.

Julie

17.03.2017

Burlington, NJ

credit_one

This credit card is a scam. One: you sign up to make online payments and you can't get in the system to pay your bill. Two: they immediately charge you a late fee and send a new bill. Three: you call and tell the supervisor you're having a problem with the sign and miraculously your username and password work! Then you try it again and whatever the supervisor did to get you in the system it no longer works. Is it a coincidence that you suddenly can't make online payments when you were able to do so in the beginning? I can't understand why Capital One, Discover, Bank of America accepts all your payment as many times as you want during the month.

Bobbie

16.03.2017

Cincinnati, OH

credit_one

I was behind 3 payments and did everything to make up the payment and they actually will not accept my payment! Unbelievable! I also was behind on my Discover card and they were more than happy to work with me. I never in all of my life came across a company that will not accept your money! They are rude, disrespectful, can't hardly understand them! I will never use them again! If I could rate them lower than 1 star I would.

Jeremy

16.03.2017

Lackawanna, NY

credit_one

After hearing two months of using their service with Credit One Bank credit card I have now been submitted payments of 8.25 a month that must be paid to have a credit card active. Lady said it was on the sheet that I received when applying for the credit card. Don't know if it was but that's a **. So now they can turn around and take my credit card back for all I care. Paid off balance is zero. Nobody get this card. Extra fees left and right. Try to make you pay to get a raise on your credit line. On my credit lines pretty much a 700. What a joke. Don't do it folks.

Denice

16.03.2017

Astoria, OR

credit_one

This is the worst company ever!!! Not even worthy of 1 star. I only got this card to build my credit back up after my divorce and bankruptcy. I used it and paid it off every few months. I had it paid off, moved, and called to change my address. They didn't change it. They were charging me 6.50 each month and I didn't know it because I never received a statement then out of the blue they call and are very rude demanding their 19.00. I said I didn't know what they were talking about. I hadn't seen anything and my account was paid in full. They were extremely rude and said, "Don't you check your account every month?" I said, "No. It was paid off and I haven't used it!" I paid the 19.00 and they reported me to the Credit Bureau in 2015. I called and asked them to take it off they said no.

Lowell

15.03.2017

Mattoon, IL

credit_one

We gave Capital One access to our bank account to withdraw all their payments each month which they wouldn't and when we call about it would withdrawal it late causing my credit to be lowered. We gave up because tried paying them off and they would not cooperate with us... I suggest anybody not to invest into Credit One... They will ruin your life. Now we can't get a home BECAUSE of only one bad credit report which is Credit One. Other than that we had no problems but they will not work with you.

Wade

14.03.2017

Scappoose, OR

credit_one

By far the WORST credit card company I have every experienced for handling a lost or stolen card. My daughter's wallet was stolen from her car and the scumbags charged everything they could before we could shut off the cards that were in it. Wells Fargo immediately reversed charges. Credit One Bank however refused to reverse charges until they received a signed affidavit which they never sent to me. The only thing I did get was a letter that stated Credit One Bank determined that the transactions were authorized and not fraudulent based on the fact that the purchases were made in your surrounding area. Well, NO ** SHIRLEY!! The thieves picked up the wallet and went shopping... Until the cards were shut down... DUH!

K.

14.03.2017

Pompano Beach, FL

credit_one

I made the mistake of not researching this company enough before applying. Please read the reviews posted here before thinking about dealing with this card. They are a huge scam and rip off. I finally paid the two cards off I opened and tried canceling them, which was not easy to say the least. Their customer service is the worst. They will keep charging you at every turn. Please find another card elsewhere. Only do this if you are TRULY desperate. Even then, still try and find every other means of support aside from this company. They will ruin your credit. HUGE MISTAKE!!! TURN BACK NOW!!!

Richard

13.03.2017

Richmond, IL

credit_one

First of all, I failed to notice that the "Credit One Bank" logo was a direct copy (rip-off) of the "Capital One Bank". THAT was my mistake. In January of 2017, both credit card accounts were paid off in their entirety. Not one red cent was owed to this so-called 'bank'. In addition, neither card was used AT ALL since paying off the accounts. The trouble started when we received notification that we owed Credit One Bank $41 and change. REMEMBER... the account balances were ZERO, AND neither card had been used. This scam company attempted to charge us for "transactions" NONE WERE MADE, "late fees" LATE FEES WHEN NO PAYMENTS WERE DUE? and other miscellaneous charges that were not understandable.

Kimberly

13.03.2017

Hardin, KY

credit_one

Had card less than two months. Had to call customer service three times. Today I told them to cancel my card, that I didn't have time for the bs, every couple of weeks, he continued to be rude, overtalked me and told me to do the math. The last pay I made, it showed 0 balance but now they were charging me interest and the card was paid off. He argued with me over canceling it like I wanted. No time for this bs.

Paula

13.03.2017

Vancouver, WA

credit_one

Once I decided to get the offer nowhere did I see a 75.00 annual charge to open it. After calling every phone number they have on their website and the back of the credit card, I am unable to cancel my card and I wonder if anyone has a live phone number they can help me with. I am freakin' out now I have read some of these reports of charges they didn't make and the hell they are going through to dispute it and I want out and my 75.00 back!

Jason

11.03.2017

Minden, NV

credit_one

I have been a customer for almost a year. I use this card frequently to help my credit. I am now in the works of buying a house and I'll I need is a letter fax to me with a balance to finish the process. I have talk to them every day for a week 4 times a day and still do not have it. I now have to wait for my statement to come out before I can buy my house. So thank you Credit One for all your help.

R.

11.03.2017

Virginia Beach, VA

credit_one

This credit card company (Credit One) is engaging in unethical practices. I can never log on to the account to review statements and activities, which is a common complaint, and when I make payments it takes several days to post and then I am assessed a $35 late fee when it was paid on time!!! The reps try to encourage customers to pay 10.95 for express payments, a way for the company to get over on the consumer. Recurring payments cannot be set up so every month I have to sign on to the account and I cannot access it. When I call they offer to take the payment for $10.95. There is no accurate way to keep track of the account, even with paper statements. I went back and saw where I had been billed late fees multiple times over the past year when payments were made on time. No one speaks English so you can't understand. This is frustrating when all you want to do is manage the account!!!

Cyndee

10.03.2017

Sacramento, CA

credit_one

I wanted to reestablish my credit. They kept sending me notices so I accepted. I didn't read up on them until I realized how much money they have robbed me. I can't understand why there is no class action against these loan sharks. They are comparable to payday loan sharks. People don't never ever, never ever get this card or use this card. Shred it up. Shred every pre-approved notice. PLEASE.

Linda

10.03.2017

Bensalem, PA

credit_one

I would not give this card even 1 star. At first things were fine. But then I guess I messed up 1 (supposedly 2) payments by accidently using wrong bank details for payment so just for that they closed the account. Which whatever I am fine with that. But I could not get on the account via web to see anything at all. I've spoken to them via phone a few times and they are stupid, rude and don't help. They want to say the account is closed yet when I paid the balance in full just now then they added "the charges will be posted to your account on so and so day." I'm like if the account doesn't exist how is it going to be posted?

wanda

10.03.2017

Enfield, CT

credit_one

Just received my credit card about a week ago and was charge 6.95 for the card, 75.00 yearly fee and was add in the credit protection that I was never ask about. So I had a balance of almost 100.00 on it. When I call the person was rude and I was told that I knew about the yearly fee of 75.00 and the other fee. I was told I had to paid for the fee. Paid the c.c. and cancelled. ***STAY AWAY*** Go to Capital One if you need a good credit card and with no yearly fee, no card fee and better credit line.

Rick

9.03.2017

Modesto, CA

credit_one

I was going to make a payment today and when I called they told me it was going to cost me $9.95 unless I did it online. So I tried to set up an online acct with no success. It kept giving me a password error even though I did it by their instructions. Needless to say I ended up paying $10 to make a payment to them. This means not only are they getting interest they're getting an extra $10 on top of that every month. I tried calling them to figure out the problem but that was like talking to a chimp. They had no idea and they are suppose to be the online tech support. I'm paying off this card and cancelling it. Do yourself a favor go Capital One. They are amazing.

Aaron

9.03.2017

Arden, NC

credit_one

I am very thankful I was able to use Credit One Bank to rebuild my credit! After going through a messy divorce, my credit score was in the mid 500 range. I received a pre-qualification letter in the mail and was approved online. I used the card for gas, and enjoyed the cash back that I received from that. I paid it off every month, and within 18 months was able to drastically improve my score and was approved for a card with fewer fees and a lower interest rate through Amex. Yes, it is a little pricey to use, but can help with the credit rebuilding process. I received many offers to increase my limit for around $25.00. I ignored those and a few weeks later was invited to increase the limit for free. Be patient, don't carry a balance, pay the bill on time, and you will increase your credit score!

Ana

9.03.2017

West Union, SC

credit_one

They are very annoying when you miss one payment. Of course they lie to you about the policy. One tells you something then the next day it's not true or they don't agree with what they agreed to settle with to pay off your amount. They reported my credit because I owed them $1 after I finally paid them off in zeros!!! They even tell you "Congratulations. Your account is in $0!!!" A couple months later, I owe them one dollar and then they report it to my credit history!!!

Katina

9.03.2017

Commerce, GA

credit_one

I just tried to make payment online with no luck. Every month I try doing it online because pay by phone charges a fee. And if you send in mail be sure it's at least 2 weeks before due date or you will get charged a late fee. I sent one in 1 week before and was charged a late fee. Today when trying to make payment, website kept asking for bank acc. number then asked for amount that was recently put into bank account which my bank acc. did not show. So I called customer service to ask about. They said this was to verify bank acc., same one I had been using, so why do they need to put me through all that trouble.

Richard

9.03.2017

Maple Valley, WA

credit_one

Try to make a payment and now I have to jump through hoops to get payment made. I now have to wait for them to send me information so I can send it back to them so they will take my payment. So I have closed all accounts I have with them. They make it almost impossible to make payment that way. They can charge you with late payment.

Falilou

8.03.2017

Oklahoma City, OK

credit_one

Get the credit card from Credit One and owe them $75 straight which I paid. The next thing I know they charged me a mysterious $25. I get upset and paid off my balance of $414 on a 5th on March. Two days later they charged $21 from I don't know where. WTF. Now I cancel this damn card and the lady from customer service that I might owe them again. What the ** is happening with this people. Worse company ever. Don't accept their offer. That's a scam.

Jacqueline

8.03.2017

Birchwood, TN

credit_one

I made a payment on my credit card on March 2nd, however, today 3/7, there was an unauthorized payment for 150.00 that is trying to go through my bank account. I send them a check every month for my payment. I do not pay online or via phone. My bank said they used my routing and checking account number and since they didn't put a "check number" I have to pay 35.00 to stop the payment and then dispute it. Credit One says they do not see anything on their side that "someone from my family must have made the payment." They want a bank statement mailed to them to their P.O. Box in Las Vegas to "prove" there was a charge since they do not see anything on their side. They said that mailing that information was the only way. I think they are making payments and pocketing the money which would explain why there is no record online of the payment. I have never been late or missed a payment. This company needs to be investigated.

Jennifer

7.03.2017

Minneapolis, MN

credit_one

I should have read the reviews prior to accepting the offer. I received the card in the mail and a bill for the $75 annual fee the next day. I was traveling so I did not have time to activate the card. I attempted several times to setup an online account but the website was either down, or errored out. I tried for several days. I decided not to activate the card because I was very nervous about this company after having so many issues before I even used it. I've received messages to my email saying welcome but still not able to access the account online to see balance or pay the activation fee.

Rebecca

7.03.2017

Minot, ND

credit_one

This company has been adding enormous fees daily to my card. They call me every day and literally 5+ times in a row! They even called me on Sunday at 7am!!! When they called back, my sister answered the phone and told them I was in the hospital! They insisted on wanting money and gave her personal information. When she informed them that it is illegal for a debt collector to call on Sunday, the man stated it was a business matter, not a collection call, then got irate with my sister and hung up on her! I refuse to pay hundreds of dollars on bogus late fees! I also refuse to give them my checking account information. I have tried to pay what I owe on several occasions by other methods (money order and prepaid debt card). They refuse to accept that form of payment. Beware of this scam company! I am in the process of writing to my states attorney general, the BBB, and the Federal Trade Commission! This has gotten out of hand!

Kimberly

6.03.2017

Phoenix, AZ

credit_one

I've had nothing but problems with this card from day 1. I tried to make a payment online and it would not allow me to. I called to speak to someone and I was told by 4 different people corporate office included that the fraud department does not allow multiple payments in a 30 day period. They were all very rude and gave me the run around. I DO NOT recommend anyone to use this company.

Mark

5.03.2017

Grand Island, FL

credit_one

This was my first credit card and the credit limit is $650. I now have a Capital One card with a $12,500 limit, Bank of America $17,000 limit, Luxury MasterCard $25,000 limit. My FICO score is 787. My total debt on my credit report is only $282. So I figure let me call Credit One and ask for a credit line increase. DENIED. Once I get over the shock of it I will call Credit One back and close my account.

T

5.03.2017

Phoenix, AZ

credit_one

CREDIT ONE IS INTENTIONALLY ruining people's credit and it all starts with their call center. Also not allowing clients to log in to the website and forcing you to contact the call center to collect a payment fee is fraudulent. My account was unexpectedly closed and I never missed a payment. CALLED OVER 30 TIMES to be intentionally placed on hold for 30 minutes or longer. Intentionally closed my account, charged it off, and marked as delinquent when I never missed a payment. I'm a paralegal and Bankruptcy Supervisor at Law Firm. I'VE NEVER BEEN SO MISTREATED AND INTENTIONALLY set up like this in my entire Life!!! Getting ready to sue.

Vee

4.03.2017

Durham, NC

credit_one

Should have never applied. They tell you the card has a set limit, you set the limit and before you know it it's over the limit you personally set. A 500.00 dollar limit is not turned into paying back 600.00 dollars. How is that possible. Terrible mistake. Once paid off I will most definitely CANCEL this card.

Debra

4.03.2017

Delray Beach, FL

credit_one

Credit One Bank credit card is the biggest rip-off. The interest rate is astronomical. They prey on people who don't have good credit. When you make a payment, it takes 5 days to post. Your balance changes everyday. They charge for everything. They claim, "If you want available funds sooner, make an express payment of $9.95" but it still takes 5 days to post. The representatives double-talk you and do not speak good English because you are speaking to India. This card should be banned. I wouldn't even rate this card.

Thomas

3.03.2017

Johnston, RI

credit_one

On December 2, 2016, I found what I thought was unauthorized usage on my checking account with USAA. I contacted the credit card companies I thought to be in question of said usage and was advised to report possible fraud to my account with USAA. Upon doing so and subsequent to their (USAA) Investigation, no fraud was found. During this Investigation USAA stopped all payments associated with my account and reopen them paying said accounts, except for Credit One who closed my account with them.

Ross

3.03.2017

Crooksville, OH

credit_one

Each month you get your bill and look at it and you notice the Credit Score moves very slowly. Stays below 699 and has never gone above. I opened a monitoring company system and Tracked it for 8 months and their scores never went above 680. But the same company that reports to them is between 65.00 and 80.00 higher than Capital One using the same credit system Advantage Plus. showed min 735.0 per month. Then my wife is the same and she shows a larger spread on her card. Credit One claims it on Credit company but credit company claims they at Credit One puts the Score down and not credit Companies they report to. I have gone online and have found Credit one is putting down what they think the credit scores. Example my score with AX is above and if I have a score of less than 699 I am declined.

Hal

2.03.2017

Heathrow, FL

credit_one

Terrible customer service. Script readers. I had called to report I hadn't received a new card in the middle of the month. After getting my old card rejected and realizing the card had expired all customer service wants to say is "Card was mailed and you should receive it by Monday". Six days into the new month. So Credit One does not have a policy to get cards that are expiring replaced before they are expired. Customer service becomes argumentative but then offers to send a card out "rush" that will take 3-5 business days. Some Rush. Consumer beware! It seems like an ok card until to have to deal with a real person.

carlos

28.02.2017

South Euclid, OH

credit_one

I was just looking for a small credit card to get started with to help my credit. Boy did I know what I was getting into when I got hooked up with this Credit One card. I'm advising anyone please stay away from this company they will make your life a living hell. I got behind on my bill during my divorce and this company call and I'm not lying sometime 20 times a day just to harass you if you get behind. I had Capital One also and they was very understanding. It's like owing money to the mob. I think the mob might be a better route. I had a credit limit of 200 dollars after they interest because they add interest every second. Now it's 868 I owe them. PLEASE STAY AWAY.

Jeani

28.02.2017

Hamilton, NJ

credit_one

I recently called to question a charge on my account and was told I won $108.00 gift card. They put me thru a verification process. When I checked for status again today they said it was a scam. I said "Sir I called you so if you are saying it was a scam then you scammed me!!" I even had a confirmation # which was provided but he kept repeating, "we do not offer gift cards." Very disrespectful. None of them speak English and are very hard to understand. I will be paying my card off and ripping it up.

Stephen

27.02.2017

Ft Lauderdale, FL

credit_one

The system is totally screws up. I have reset PW and usernames more than 30 times and their system always rejects. When I called Customer service, English was not spoken. Paid the balance off and shipped the card back to them, STAY AWAY.

Ester

27.02.2017

Waukegan, IL

credit_one

They are the worst company you can get a credit card from. Dec. 2016 they over charge my acct. I had to call them. They have very bad customer skills. Now Feb. 21 2017 paid my bill which was suppose to come out of my checking acct. which they tried to take out of my saving. I call them and whoever the lady I was talking to try to tell me that they took out of my checking. She found out they had tried to take out my saving which cause me to have a overdraft fee with my bank. So I use my debit card to pay my monthly statement which they over charge me again. I am so done with this company. I don’t see how they get to report on your credit when they are no go.

Regina

26.02.2017

Wilmington, NC

credit_one

Received a pre-approval letter in mail (actually thought it was "CAPITAL ONE") so I went online and applied & was approved for $400.00 limit. Received card Jan 2016 & when I called to activate it said I already had a $75.00 balance! There was NOTHING mentioned about an annual fee prior or I would HAVE NOT taken the card! Within a few days of getting the card they started calling me wanting a payment!! I have been trying ever since to log into my online account so that I can pay it off and cancel it, but the website tells me that my account is not accessible.

Sam

25.02.2017

Camp Hill, PA

credit_one

Credit One credit card charges large monthly fees even if you don't use it and if you get ill and miss a payment by a few days they will ruin your credit score. After having the card for years and never missing a payment, I got ill and missed a payment by accident, by a few days. Credit Karma notified me that Credit One ruined my credit and caused my score to drop more than 100 points. Talked with Customer Service manager to no avail, no empathy or help, told it will take 7 years to drop off this negative on my credit report.

James

24.02.2017

Indianapolis, IN

credit_one

Well, as I have read here I fall into a like or similar category. My wife ended up unemployed due to a medical emergency, and we were unable to pay all of our bills consistently, we were never offered any kind of assistance. Finally when we were able to pay, we made small, minimal payments for good faith until we could start paying the regular and plus more to get caught up. Made 5 payments in 2 months, and once we got our tax check from the previous year we made a large lump sum payment only to be informed our account is closed, and now in collections for the remaining balance, all within 2 days of making the large sum payment!

John

23.02.2017

Mira Loma, CA

credit_one

I was not aware this company charges a $75 fee as soon as you sign up. They will bill you $75 even if you do not use the card. When you call to get the fee reduced or waived customer service overseas will talk down to you and say you should have read the disclosures. I told them I would continue using the card if they would partially waive the fee which would be more beneficial to them since they will make more money on interest charges of 24%. Customer service says if you close account we still will collect on the $75 annual fee. Worst scam company ever. Praying for a small claims case.

Star

20.02.2017

Charlotte, NC

credit_one

I recently applied to Credit One Bank after receiving several pre-approval emails for the past few years & I decided to give them a try! I applied online and called the customer service department several times (whom are all located overseas) to obtain the status of my application. This morning when I called I was advised I was approved and would receive my card within 5-10 days!

Mark

17.02.2017

Tulsa, OK

credit_one

This company is a madhouse. When I originally signed up for their card, after receiving a letter that I was pre-approved for $x in credit with NO annual fee, I thought this might be a handy card to have. I received via email: Credit One Bank Approval Notification, then, Your Card is in the Mail, then, Activation Confirmation, and finally Welcome to Credit One Bank.

Bobby

17.02.2017

Gilmer, TX

credit_one

It's a legal scam! I paid off the balance of $264.00, asked them to cancel and close my acct on 12/20/16. Then, in Feb. 2017, I get a past due bill of $39.47! (for what?) Called them which was a nightmare in itself. They said I owe the $39 + because it was a service fee PLUS an interest fee on the service charge! Seriously!! They count their own fees as a purchase and charge interest on it. Finally, I got a bank cashiers check, mailed it registered mail, overnight service along with a letter requesting they cancel my card and close my acct. I expect for more fees to be added for the 2 days it took to notify them and pay the balance... thus, my bill will continue on and on and on. I will be surprised if they accept my letter of cancellation with the payment as proof I no longer owe them anything. It's nearly impossible to cancel this card! I just want this card out of my life!

Carrie

17.02.2017

San Antonio, TX

credit_one

I was trying to rebuild my credit so even after all the negative reviews I thought - ok I'll try them. Actually ended up with 2 cards from them - set up online payments and paid more than the minimum every month always early. This past December I logged on, made payment. Realized about a week later it hadn't hit my bank account. Logged back in - they showed payment, then it was reversed. They charged a late fee. I thought ok - same bank account I have been paying out of for two years with no issue, maybe there was a glitch, I went into the "confirm account", re-entered the info and then again submitted a payment. This time when it hadn't hit my bank in three days I logged in again - it still showed the payment as having gone through. I waited 2 more days and checked again - now I can't even log into my account.

Wanda

17.02.2017

Wharton, TX

credit_one

For the third time CREDIT ONE has made a UNAUTHORIZED withdrawal from my bank account. A amount that was over my credit limit for the card. They make unauthorized withdrawals and then their excuse is that they don't know what happened. So for weeks, until I stop payments and cancel everything, I don't have any money because my bank account is on hold AND EMPTY! Do not give them your information or they will clean you out. Cancel your cards immediately because they are the ones causing the issues. This is the THIRD time this has happened.

Amy

16.02.2017

Shreveport, LA

credit_one

I applied for this credit card to help me rebuild my credit after a divorce. I have never made a late payment. They have a high annual rate and a low credit balance. I just called to cancel the card and they tried every way they knew how to try to get me not to cancel the card. They told me that by canceling the card it would hurt my credit score even though I had a zero balance and never made a late payment. They told me that they would report it to all three credit agencies and it would be best not to cancel. He also told me that I had already paid my annual fee for the year and I wouldn't have to start paying another annual fee until September and something about using that money I was paying in annual fees to be able to buy more on the card and pay on it.

Nadia

15.02.2017

Union City, GA

credit_one

Annoying as heck!!! I agree with the reviews. They call you 5-6 days before the payment is due and harass you to make a payment now. Totally annoying because they call every 30 min. Not sure how this is even legal. Paying this card off and shredding it immediately.

CHRIS

14.02.2017

Middle Grove, NY

credit_one

At time I need a credit card the only thing I found was Credit One bank but when I would use my card in Amsterdam NY it would decline then when I called Credit One bank they told me it didn't decline when it did so stopped using the card and stopped ALL payments but I need lawyer to look into this but I have no money for a lawyer to look into this so I need help here.

Ashley

14.02.2017

Silver Creek, GA

credit_one

If I could give zero stars, I would. I've never dealt with a more incompetent company in my life. Gonna list out a few issues I've had.

Stephen

14.02.2017

Newcastle, TX

credit_one

Mob style tactics to collect and overcharge fees and penalties. It all seemed like they were willing to help a disabled Vet with financial problems, I wasn't always in distress and hoped to recover my credit rating. There is no way to please these people, endless fees for paying on time, late, whatever, it's a scam to cheat good people out of their hard earned money. I was injured and almost died, and explained to the low-life (probably one of those people who live in the sewer in Las Vegas, and a business in Las Vegas). Anyway, what a sleazy operation! Like the mob, but I borrowed money from a loan shark once and he was more respectful and sympathetic than these foreigners. They have call you and demand you pay them now, with a credit card number.

Alokeshwar

13.02.2017

Harrison, NJ

credit_one

Stay away from this card. They sent me a mail offer for a zero annual fee card, I applied over the phone for a zero annual fee card, I got the card and used it to donate $25 to an rabbits rescue organization. I got my first bill of $101 including $75 annual fee and $1 interest. I called them and they said you accepted $75 fee by activating this card and using it (they just assumed that I read their website or the documents they sent with card about the fees). I had no clue that they could send me a card with $75 annual fees instead of the zero annual fee card that I had applied. This is fraud. Stay away from this bank.

Mike

12.02.2017

Canyon Lake, CA

credit_one

I received a bill from this company. I never signed up for it, nor did I want their credit card. I called customer service. They could not tell me what I was billed for. All they wanted was a payment for 45 dollars. I don't have a Credit One credit card and have never used one. They said it was a fee. They could not answer what the fee was for. If I did not pay it I would be charged a late fee of 35 dollars. I have never used their service nor do I have their credit card. This is fraudulent on their part. They cannot answer what I am getting charged for.

Sarah

10.02.2017

Newport News, VA

credit_one

This company will nonstop send pre-qualified offers then say denied with extremely inaccurate information as reason why. I have filed multiple reports with the government and President's office stating do not contact me. One of biggest reasons is the pre-qualification comes back with extremely inaccurate information which I just verified with the credit bureau. It said my score was 200 points less than what it actually is. If anyone knows how I can file a legal complaint requesting they be fined for violation like you can with the Do Not Call list please let me know. Also from what I read people say you have to pay for this card and it is not in the pre-qualification emails they send out. They are very shady and fraudulent.

Flipperlover

10.02.2017

Ormond Beach, FL

credit_one

I have been trying to make a payment online for a month, the website locked me out. I called customer service, and first of all you have to understand English before you can correct a problem. I was informed that the problem would be corrected within 2 to 3 business days, that I would be able to make the payment online. A week later the same, no access to the account. They of course will take a payment over the phone, but charge a $9.95 processing fee, yea right! I will be paying off this account, rip up the card, and recommend to all my friends, relatives and everyone on the internet. STAY AWAY FROM THIS COMPANY. There are better options to build your credit!

DJ

9.02.2017

Dallas, TX

credit_one

I haven't had any problems with them from a personal or professional standpoint (customer service, etc). No complaints there. But holy ** their website sucks so bad. You can either log in to view your account and pay your bill on your PC or Smartphone... But not both! And I'm not talking about at the same time, I mean in general. How the ** can you operate a business in today's society with a website worst than the 90's yahoo geocities? Get your ** together Credit One! God knows you make enough money to afford a better setup. Stop asking Earl in the mail room to manage your sites and hire some real IT personnel! Maybe splurge for an web designer once?

Jasmine

9.02.2017

West Columbia, SC

credit_one

My card was declined TWICE for a less than $300 purchase. I was nowhere even remotely close to my limit. I knew this so I figured it was a simple mistake THEY screwed up. So I paid with another card but I called to see why I was declined. The first guy I spoke with Sam was a complete jerk that didn't assist me at all, he gave out false info by telling me that $300 was my limit on any purchase. I've made several purchases on my card totaling far more than $300, so that was a lie; which I told him. Then he kept saying he can process the transaction, and I had to keep telling him (A foreigner... Go figure.) that I didn't want it processed, I paid for it with another card! He had the worst attitude and when I asked for his name he said SAM. I asked for a last name. He told me he didn't have one and asked if there was anything else I needed as if I was the rude, surly one. So yes, I hung up on him - but whatever.

Brian

8.02.2017

St. Petersburg, FL

credit_one

I was very leary when the CSR asked for my CC number and social security number to access my account. I have a $422 balance and their website won't let me access a detailed statement to see what all the transactions created this balance that I dispute. You have to sign up to have them give you an online statement? I am going to cancel this right away and warn everyone not to get suckered into this as they charge your card $75 right away.

S

8.02.2017

Newton, MA

credit_one

Why does it take so long for a payment to be processed in 2017? It's complete dishonesty when you're paying your bill using your checking account information and still have to wait 8 days for the funds to become available. How is this so, isn't that like an automatic debit transaction? Credit One makes a profitable business by charging $9.95 for your funds to be available the next day. I recently obtained a Capital One credit card which is what I originally wanted when I applied for the card- I guess I was a bit confused by the logo as they kinda looked the same. However, I will continue to make my on-time payments until the card is paid off. However, I want to thank Credit One for helping me rebuild my credit when no one else did.

William

8.02.2017

Anderson, IN

credit_one

I called to speak to a customer service rep and could not get a live person! I had to continuously push zero on the dial pad, until finally I was transferred to a rep in India! My call was in regards to a payment made that was returned. I was charged $25 for a late fee, even though I made my payment 1 whole day before it was due! Credit One bank routinely rejects payment, and their website is constantly not working! Payments made may not post to your account for "up to 5 days" according to the Customer Service Senior Manager David ID#** who I talked to. I was repeatedly put on hold, and spent 2 1/2 hours on the phone being sent from one "so called" manager to another.

Cathy

7.02.2017

Cutler, OH

credit_one

Scam -- They charge their annual fee monthly after the first year. That means that even though you should have a zero balance. They are charging the annual fee monthly and taking on significant late charges.

Kimberly

7.02.2017

Dallas, TX

credit_one

Awful credit card company beware. This company will tell you that they are in business to help you repair your credit but it is not the truth. Not only can you not access their online system to make your payments online 98% of the time when you do they charge you a fee to make the payment. In addition, their paper statement do not get to you on time so do not depend on those for a reminder or to mail a payment because you will never be on time and they will report you late even though you can't access their system online. This sounds like helping people repair credit, right. Not. And please don't think about calling to let them know you are having trouble because it isn't their problem. I'd do a secure credit card before I used this fraudulent company.

Janessa

7.02.2017

Azusa, CA

credit_one

Worst worst worst place to ever trust with your personal information!!! I will never ever recommend this company not even to my worst enemy!!!! I applied back in Nov. 2016... I called literally 1 week before I applied to change my address! They said it was changed. I move and which then I seen I was approved which I called again to make sure the card gets sent to the right address... Did it? Noooo they said I never called to change my address. So I let it go maybe thinking it was a minor mistake. Well I was wrong. Again I changed my address. By now I got two address changes through the mail at the correct address. Stating "Your address was changed" but I still have not yet received my credit card.

S. B.

7.02.2017

Weare, NH

credit_one

I was a victim of fraud. My credit card was stolen and Credit One was so rude. When it came to helping me nobody could answer my questions. They wouldn't credit back my money and they wanted me to pay the interest charges on top of everything. Rude representative. Just terrible. This company is awful. All I wanted to know was why they kept letting my car go over my limit and did not decline the charges and nobody would give me a straight answer.

Crystal

6.02.2017

Boynton Beach, FL

credit_one

I have two credit cards from Credit One for a couple of years now and I haven't had an issue! Yes, they have suspended my card due to suspicious activity - all credit cards do - but all it took was a 2 minute call to update my info and the card was active again. I have disputed fees and they have taken care of them. Most recent, I had fraud on my account. They closed the one card and sent me a new one. Then, as all credit cards do, they requested an affidavit and a police report. They took care of the issue with no problem. I reported the issue to them in Dec. They sent me a letter stating they were looking into the problem and asking me to fill out the forms. This was all handled by the end of Dec. End of January, I received a letter back stating they have taken care of everything- but also asking to contact one place I agreed I was responsible for the charges at because they had issued them a refund. The credit line increases are great as well :)

kameron

5.02.2017

Dallas, TX

credit_one

Don't use the credit card company!!! SCAMMER, should not be allowed to continue business. They will charge you a "annual" fee that is billed monthly, will charge you a $28.99 late fee on their own monthly fees plus interest, then places a delinquency on your credit report and refuse to take it off. They don't not offer a autopay service, because they want you to be late. When you call to cancel they will not let you until your balance is cleared that takes several days. STAY AWAY. This company needs to be investigated by the FTC.

Jasmine

3.02.2017

Baltimore, MD

credit_one

I have explained over and over with this company that I was unemployed and as soon as I got a job, I will pay off the card. Why is it necessary for them to call from several different phone numbers in the same day. What I don't understand is through this, I have yet to receive a pin number that was requested twice in July. This place will be the first thing I pay off for sure...

Andrew

3.02.2017

Morrow, GA

credit_one

I just got this card less than two weeks ago. When I saw the due date was set on the 2nd of the month, I went in to try and change it. It will not allow you to do that. I called. They said there is nothing they can do, they can change it, but it will take two billing cycles. I said "well that does not help me, I don't get paid till the 3rd." Of course no one speaks proper English, they are in some third world country. I said "fine, cancel the card." He said "fine, but you are still getting charged a late fee next month." This is how you want to treat a new customer. This company sucks in customer service.

Toni

2.02.2017

Binghamton, NY

credit_one

Any credit card that puts any persons in debt in NY state before they even receive it is illegal. As first premier bank does the same thing tacks on a yearly fee of $79. Credit One tacked on a fee of $75 plus I see they are charging me $99 a yr to have this card. I am filing with NYS attorney general as he stopped first premier won a lawsuit and he will do the same with credit one. AVOID this, card at all cost. I paid on time and even before, my due date. This card is crap. They lie about raising your credit limit in 5 months. Never happens which is a good thing. I have maybe 40 to pay it off and I'm closing the account. It's not worth having such a low rate credit and paying a high usage fee of $99 a yr not including the 8 they add on monthly for even charging anything.

sherry

1.02.2017

Edgewood, NM

credit_one

They call you 5-6 days before the payment is due and harass you to pay now. You have to pay to make a payment. They charge you a fee to pay your bill on the due date so it will post on the due date. Bad customer service. Cannot understand what they are saying.

Zhae

1.02.2017

Roanoke, VA

credit_one

So far my experience with this creditor has been unpleasant to say the least. In July of 2015 I tried to apply for a card with them and was taken through the ringer about verifying my info. They claim that everything has to be mailed to them in Las Vegas, but after mailing things to them they seem to get lost. So I gave up on them. About a week later I received a bill telling that I owe the annual fee. I called them and told them I got it and I shouldn't have to pay it because they never mailed me the card. She put me on hold for a good 5 minutes just to come back and tell me that they could not do anything about it other than to put in a claim to have it reversed.

A. L.

31.01.2017

Oakland, CA

credit_one

Credit One Bank closed my account with absolutely no notice or communication. I lost my job and had defaulted for 90 days, but paid off my account in full, including all fees - and an additional fee to get the payment in as soon as I could. I received a confirmation of this, notifying me of when my available credit will become open again, which it never did. Finally called in to inquire about that, and that's when they told me my account had been closed and I am not eligible to reopen. However, my online account is still open and tells me everything is OK. Extremely shady - highly recommend avoiding this company.

Abner

31.01.2017

Pennsauken, NJ

credit_one

I have had the worst experience with this company from the outset! Their customer service is based in Manila, Philippines and they are the most arrogant, unprofessional, and worst Customer Service reps around!!! I thought that I would beat the endless automated phone system by speaking with a Spanish speaking rep, but to my surprise their rep spoke Spanish worse than their English. I'm IRATE at the fact that they want to charge you $9.95 to do an express payment to pay your monthly payment. I was told that one of my payments did not go through and that I was charged a fee of $25.00 for a returned payment. I spoke with a supervisor and I was told that if I made a phone payment with him over the phone, I would have the fee waived. Boy was that a lie! I was charged the fee on 1/26/17 after the supervisor told me that he would waive the fee.

Douglas

31.01.2017

Turners Falls, MA

credit_one

Unlike the review: L. S. of Kansas City, MO on Jan. 24, 2017, regarding Credit One Bank, I experienced a positive response. I developed throat cancer over the years, which was diagnosed in Spring of 2014. I knew I would be out of work, and called all my credit cards to see how they could help me in maintaining my financial dignity. All three of them did, Discover, Capital One and Credit One. Credit One required that I sign up for credit protection, which cost me monthly; the other credit cards did not charge me at all. Credit One required that I be on the credit protection program for 30 days before the protection would become effective. The other credit cards placed me in immediate protection... Well 48 hours anyway.

Tonya

29.01.2017

Roseville, MI

credit_one

If giving a zero rating were possible, that's what I would've done. First, I tried to make a payment online and it wouldn't take my payment information. When it did finally take the information and I tried to continue with the payment confirmation, the site kicked me out. I decided to call, the first representative (Philip. Beware of Philip) was extremely rude and hung up on me. The second (who wasn't much better) told me that you can not schedule payments online or over the phone, unless scheduling a payment to come out the same day. I will not be doing service with this company again and I would advise anyone else to stay away and find a reputable credit card service.

O'rina

28.01.2017

Glendale Heights, IL

credit_one

Write letters to your Attorney General explaining your experience so that this company can go out of business and stop scamming innocent people. This credit card will cause you to have MORE bad credit problems. BEWARE!!! DO NOT be so desperate to accept this card. Get a secured card and then get a reputable builder credit card with Capital One or someone similar. (Not First Premier, Credit One, Indigo or any similar type of cards for bad credit.)

Stephan

28.01.2017

Valencia, CA

credit_one

Foreign customer service. Crazy Low credit limits. Credit Score 700+. Homeowner. Low balances. Income 200K+ verified. Just got approved for a $12,500 elsewhere. They approved me for $500 and would not increase it.