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4.1 1766 Reviews

Credit One Bank Complaints Summary

63 Resolved
363 Unresolved
Our verdict: With Credit One Bank's very poor resolution rate, careful consideration is needed. Research their service comprehensively, and read up on how they handle customer disputes. If you face issues, be prepared for potential challenges in obtaining resolutions and explore other service providers as backups.
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Credit One Bank reviews & complaints 461

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6:53 pm EST

Credit One Bank a pack of thieves

It is not worth my time to go into what a complete ripoff this company is. Furthermore I can't believe that all the scams they pull to soak consumers are legal. I got a COB credit card in an effort to rebuild my credit. It was most certainly not worth it as I am still paying for the card even though I canceled it over a year ago. They've probably written into the "Agreement" that they can charge me $12.95 a month (of course!) for registering a complaint on this website.

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Tee76
Detroit, US
Dec 28, 2008 1:28 pm EST

I'm being ripped off by them as we speak.My account was sitting at +$47.00, i sent my minimum payment of $20 in a week before it was due, it was due on Dec 21st. Well they still claim to have not received it and today is the 28th, they have been known to sit on payments and wait to process them in order to charge us late fees.

Now yesterday i called them and complained because i checked my account balance and it was -$17.00, they admitted it was there mistake and as a "courtesy" they would fix the balance and waive this late fee they charged me.Even with the $32.00 late fee, there's no way i should be in the hole that much.

So today i checked my account balance and nothing has been fixed, actually im now sitting at -$27.00, where did the extra $10.00 come from? their customer service is rude and aggressive and cant comprehend what you are trying to tell them.They keep avoiding the questions at hand.

If my account isn't fixed by tomorrow i will be contacting the Attorney General in my state as well as in Credit Ones.Also i will be filing a complaint with the FTC and F.B.I. these people have been investigated before and sued.

They use to be known as the First National Bank Of Marin, but they were sued and forced to pay back millions of dollars to their customers that they wrongfully took from them or charged them, guess they thought by changing their name they would be in the clear. Not anymore.

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john
,
Dec 04, 2008 7:15 pm EST

I just off the phone with these ignorant low lives. I canceled my card after trying to work out a peyment agreement. They refused and now are charging me three extra dollars a month for canceling my account. I was willing work out a payment ageement. But, they said they do not do this. MY interest rate is 23.9 percent. monthly service fee is $5.95 and it's $7.95 to make a payment online. If your payment is one minute after the 24 hour before the due date deadline. It is a $29.0 dollars fee. These people are THIEVING BLOOD SUCK ING VERMIN. Do yourself a favor and avoid these people.

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kathy
,
Nov 27, 2008 9:33 am EST

they are a bunch of thieves. I cannot believe it is legal to actually charge you to make a payment!

ComplaintsBoard
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7:35 pm EST

Credit One Bank late charges and unable to cancel card

I had this credit card for over a year. I want to cancel the card but
unable to locate a number other than an automated service which directs you to another number. Also, every time I make a payment they charge me a over the credit fee. I like to stay below my credit limit each, but this fee is consistent. I can never reach a person to discuss this concern. I don't use this card anymore due to the fraudulent transaction and still get charged a late fee. This company should be investigated since a customer service representative is never available. I would like to cancel this card but don't know how. Please help!

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Forward44
Nashville, US
Jan 10, 2010 11:52 am EST

This card is a racket. On top of the listed complaints of unnecessary late charges and a complete inability to cancel the card (the number provided on the card and on the website - when it'd not "being updated for better customer service" - ha! - do just loop you through a menu), someone in the organization started withdrawing money from my personal checking account. Luckily Bank of America is on top of these things and despite their attempt to steal $2, 000 over a weekend, I didn't lose any money.

Stay FAR away from this card!

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mojoman
La Luz, US
Feb 19, 2009 7:45 pm EST

I agree with you 100 percent. Every time that I make a payment they take out so many fees that Im over limit. It don't matter how many times I pay a month Im still charged an Annual Fee of $6.95, a finance charge of $17.00 and $37.00 Late charges and more. After all said and done It usually come's to what I paid and 47 Cents over limit. I paid $60.00 last time and I owe late charges again because the total of all fees came to, what do you know $60.47. Great Company And your right no one to talk too, and no one to e-mail.

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9:34 am EST

Credit One Bank charges on credit cards

On my Identity Theft protection plan it keeps showing that I have unpaid bills on a Credit One Bank Credit card. I do not or ever have own or applied for a Credit One Bank credit card.

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angieh
Vinton, US
Oct 08, 2009 4:12 pm EDT

The American people bailed them out when they were going down the tubes. Now, they found a way to charge us to pay for the payback. Not cool at all! How stupid do you think the consumers are and how long do you think they will let you get away with this. We should all file BANKRUPTCY and leave them stuck with the unpaid debts! This would put them back at square one, over a barrel like they think they have us. The wisdom of a 75 year old.

Angie H

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Russ
Santa Ana, US
Apr 17, 2009 6:46 pm EDT

Im experiencing the same issue with these LOW LIFES They have called me numerous times I have responded in writing they seem to never get my responses or ever document the phone conversations when I tell them I never ordered or recieved or used their card. Every call has no record of the previous call when I tell them I did not use the card. They have sent a half a dozen collection companies after me and It is still going on 3 years late starting at $250.00 now its up to $650.00 Unbelievable isn't it.

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1:02 am EST

Credit One Bank poor service and accessibility

I have been trying to pay my credit card bill online and I can't find the correct site. You have got to have a site to do this from because I have paid this way before. I am extremely unsatisfied with your bank and will never use it again. I will also discourage all I come in contact with to also avoid using your services. I understand banks are having trouble at this time but I would also think that this would be a perfect time to try to keep existing customers. Poor accessibility and even worse customer service is probably adding to the BAD feeling people have already. Why don't you try to make it easier to pay online and actually have an option to talk to a real person who could steer us to the correct avenue without having to tie up your phone lines and wasting our time just to ask a quick question like " how can I pay my bill on line?". Please understand that you are the business and we are the customers who pay your bloated salaries.You should take care not to lose us or pretty soon you will be out of a job.

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Matthew Johnson CS
, IN
Sep 20, 2010 9:33 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I will totally disagree with all the complaints that is online.You people use credit card companies to rebuilt your credit history so that YOU can have good life.Credit card companies also have right to earn.regarding making payment online, the website is www.creditonebank.com.you have to login with your username and password.if you are unable to do that, then call customer service at [protected]

ComplaintsBoard
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9:02 pm EST

Credit One Bank erroneous billing

I issued a payment from my checking account. Credit one charged me check fees and over the limit. I had ample money in my account and was able to get assitance over the phone. I mailed a letter to the general correspondence with a copy of my checking account that showed funds were in my bank and also a letter from my bank that stated they did not return any electronic payment as insuffience funds. Nothing happened. Let me tellyou this is not the first time something like this happened. As soon as I 'm able I am going to pay this card off. I have been billed for services I did not purchase and when I tried to dispute it I was talked to rudely and told to contact the merchant. I think it is a ploy to keep you in debt to them. In all I have paid over a five hundred in fees that were not valid and my limit was $250.00. It appears everytime I get my account balance 50% - there's something else to incurr new fees. I AM STILL WAITING FOR A RESPONSE FROM THEM BUT I BELEIVE IT IS VERY UNLIKELY ANYTHING WILL CHANGE. A WORD TO THE WISE DO NOT ACCEPT AN OFFER FROM THEM.

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2:17 pm EST

Credit One Bank cannot cancel account

I have written cancel on my credit card bill, with payment, and they continue to bill me. I cannot find a tel number or site to cancel this account

Read full review of Credit One Bank and 26 comments
Update by JAMES SHEPHERD
Nov 10, 2008 2:17 pm EST

I have written cancel on my credit card bill, with payment, and they continue to bill me. I cannot find a tel number or site to cancel this account

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barbimedik
, US
Dec 07, 2018 1:20 pm EST

So, I have had this card for about a year. I haven't had any issues making payments through their app I downloaded or through my banks on line bill pay.
Payments and charges do take a little longer to show on this card.
There is a $1+ fee each month and a $8.25 fee which appears it may be yearly (?) on my bill this month.
If you need to make payments faster than mailing them, use the app or on line bill pay through your bank and it won't generate fees.
I only got the card to rebuild credit also and have obtained other lines as well. Eventually, I will close this account. I am glad everyone posted their experiences so that I will be prepared for their antics.
Thank you everyone for sharing your experiences. I am so sorry for you troubles.

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MaryAnn D'Amore
, US
Aug 23, 2018 9:41 am EDT

When I called the 3rd time, after getting nothing but automated service, I just started pressing 000000000000000000000 and it transferred me to a person! SERIOUSLY!

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MaryAnn D'Amore
, US
Aug 23, 2018 9:39 am EDT

I just started pressing 0000000000000000000000000000, SERIOUSLY and I actually got a person on the line! Try it!

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R1ck1
, US
Jul 28, 2018 9:35 am EDT

I just went through a bizarre experience with this company which caused me to go to this site and now I am very concerned. My intention is to pay off this card as soon as possible so this month I paid my regular payment and then two days later attempted to pay off half the balance. I was not allowed to make the online payment. I was told I had to go through a 5-10 day process to make a second payment. The process includes allowing them to make two small deposits (less than a $1.00) and then one withdrawal of the amount. Once that process was completed I would need to sign on to my account with them and confirm the withdrawal amount; then make the second payment. I have never heard of such a thing. I am worried I am being scammed but not sure how. After reading these posts I plan to forget about the half balance payment and just go for the complete balance payment. Any feedback would be appreciated.

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Lefteri
, US
Jun 15, 2018 10:07 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Thank you for your reviews everyone. after seeing no cancellation option online I decided to do some research and found this page, and immediately got pissed off. called them up using that 877 number and explained that i'm planning to pay my remaining balance off within the next month and that after that I wish to cancel. I told them I went online and found countless reviews about the cancellation process being frustrating and that I will not put up with that [censored] when i'm ready to cancel, and wanted to verify what the process actually was. got transferred to a specialist who asked me why I wanted to cancel. "I have other cards with better rates but also honestly I am completely turned off by the lack of cancellation options and the reviews I read. I know it is your job to try to keep this account open, and i'm sorry, but please do not bother. I don't care what you offer me. my mind is made up.". homeboy starts to try to talk me into staying anyway and I cut him off "see this is exactly the kind of experience I read about int he reviews and i'm not going to deal with it. I will be closing this account and I want you to assure me that i'll be able to do so." he then tells me that it won't be a problem and offers to refund one of the late fees from a few months back, plus the annual fee. I say "thank you that's very generous of you but if that will at all interfere with me cancelling my account then no thanks." assures me it won't interfere and that when it's time to cancel, they will respect my decision. so far the refund hasn't shown up but maybe it takes some time to process. I will be back to follow up once i've actually successfully cancelled this account. for anyone trying to cancel their account, I recommend just calling them out on all this from the get-go, letting them know you're aware of others' experiences trying to cancel and that you will not put up with it. hope this helps. to be continued.

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Desiree R
, US
May 07, 2018 7:24 am EDT

Had this card for almost 10 years to the day. Wasn’t being used had to close it. I was tired of paying $8 and change every month. Called early in the morning and they kept trying to find reasons to keep me. I had to stop them and say can you just stop all of that and close my account please and thank you. Tried to say I wouldn’t have to pay the monthly fee for 2 months so I said what happens after that I would still have to pay and as you can see the card hasn’t been used for 2 years lol no response ! Now they claim a letter will be in the mail.

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GranolaLight
, US
Mar 20, 2018 3:34 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Okay, so after 5 years with this bank I decided to close the account because I wasn't using it anymore. I have to say, even though their interest is outrageous and the fees are insane, this credit card served the purpose. now I have other credit cards that I actually use.

So, I went into their website to close the account and immediately freaked out because they don't have a phone number or an option in their website to close the account. someone in this same forum gave some sketchy instructions on how to get a hold of a human and it actually worked. [protected] number and entered 1 for english, my last four digits of social security number and after the recording gave me the menu options, I pressed 0, then # then 0 again and the star.)

The easiest way to get rid of a credit card without getting any comment back is saying that you are moving out of the united states and you need to close all your credit cards. the lady was really nice, bad english but managed to "close" it. saying that since my balance was $0 I was not going to get charged for any fees. then she said: "the account has been closed". it was so weird because I could still access the account online... I will be keeping an eye on it, going on it like a horoscope!

I hope the above helps... good luck with this [censor] bank everyone! :)

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Credit Jeff
, US
Mar 17, 2018 6:49 pm EDT

I just closed two accounts with them. They did help me get my credit rolling and am happy about that. Have better rewards cards now and did not need them. Sure they tried to talk me into staying but the goal was to cancel. I kept telling them "No I want to cancel". They told me my account is officially canceled on each one. I checked online immediately afterwards and my available credit was $0.00. I am happy I signed up but happy I am away from them to not pay the annual fee spread over each month.

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Lyubov
, US
May 22, 2018 2:49 pm EDT

how did you close, I can't reach customer service ?

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Amber Felt
, US
Mar 10, 2018 2:41 pm EST

Worse card ever! even if your desperate do not apply!

Bad fees, never able to talk to anyone.

I maybe used 150 of it and had over 35 dollars in fees monthly, plus their fees to have the lame card.

Paying it off and closing it. worst card ever!

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mivang
, US
Feb 20, 2018 10:57 am EST

Do anybody know how to close the accounts... I been trying to close this credit. I call them and they keep making offers stuff to me. so I was wondering anybody would know how to close the cards. it charge me 75.00 dollar. what the address to close this cards.

ComplaintsBoard
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10:33 am EDT

Credit One Bank won't verify payment

I was out of town last month and did not have my bills with me. SO in order to pay all my bills on time I went ahead and set up online accounts and paid online. I paid my minimum due for Credit One Bank and received a conf. #. Apparently it never went through which I realized this month on my statement. I checked my free credit report and they had already reported it as delinquent. When I called to dispute and tell them I had a conf. number, they told me it's my responsibility to make sure my payment goes through and the reason it didn't was because I typed in the wrong security code. Shouldn't it have alerted me that it was invalid instead of thanking me for my payment and giving a confirmation code. If I sit down to pay all my bills and have conf. codes, I'm not going to sit down every day until the next month to make sure it has gone through. I see I am not the first person this has happened to. If their online system is inefficient, they shouldn't have one b/c it is screwing people over.

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Oliver Leon J.
, US
Nov 01, 2011 8:54 pm EDT

I do need my Credit One Bank bill statement online right now so I can print!

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8:24 pm EDT

Credit One Bank fraudulent account

My Social Security number was stolen and used to open an account which was not mine. I was notified of this situation by the U.S. Postal Service who was handling the investigation. My credit history has been unfairly comprimised and I would like this situation to be cleared up as soon as possible. Please remove this fraudulent charge against me so my credit can be restored. If you have any questions you can contact the U.S. Postal Service as this situation is a matter of public record. You can also contact me at [protected] or [protected]. My home address is 37 Johns Drive, Warren, N.J. 07059. Sincerely, Peter Villani

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Fraud Victim
, US
Mar 13, 2009 11:08 pm EDT

Contact the Attorney General's office of your state and Nevada / California.

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7:11 pm EDT

Credit One Bank bad credit card company

Whatever you do, do not open an account with them!
First of all they charge you for using their card, and its not one time fee thing, it’s about $ 5.00 every month. Then they charge you for paying your bill on line $7.00 dollars to be exact. First of all its 2008 EVERYONE pays their bills on line, apparently not this one though! Then they charge you about $5.00 for cash in advance, which I don’t ever use.
After I started paying close attention to my charges I realized I pay about $17.00 dollars a month for no apparent reason, $17.00 x 12 months is about $204.00 dollars a year. And just last week, they pulled this one on me: they charged me $37.00 because “my bank said that I have insufficient funds to approve my payment which was $20.00” I was stunned because I had more than enough funds to cover that payment. So I contacted Credit One again, and they told me just fax your bank statement and we’ll take care of it, our apologies! Two days ago I received a letter from their Customer Service stating that they are not going to take that charge off. At that point I said that I had enough with them. I’m going to report this credit card company to Better Business Bureau and Comptroller of the Currency.

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Pitters111
Byron, US
Mar 28, 2010 3:50 pm EDT

People need to listen tothis person! I had several charge accounts involved with my 2003 bankruptcy--guess what--they decided to change companies..they did and gave me a bad bad rating on my credit. I challenged it for years but when I had to file bankruptcy again because I had been laid off at work their account was still showing up as open! Criminals at their best!

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Tee76
Detroit, US
Aug 23, 2009 3:09 pm EDT

Stay away from this company, they claim to help people rebuild their credit but instead they rape it and make it worse then it was.

ComplaintsBoard
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9:56 pm EDT

Credit One Bank fees and interest

I called inquiring my card fees and my interest rate. I was basically harrassed into making another payment after they told me that they would take off a fee. My payment went thru on the date that i had scheduled my balance still doesnt reflect any kind of credit. When i asked about my interest rate and if i could get it lowered i was told that they dont do that, then i got a letter explaining that theydont do that. I am trying to build my credit and i believe this account is making it worse.

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DAVE77020
, US
Apr 28, 2010 12:43 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I PAID ON MY ACCOUNT AND STILL HAD A BALANCE OF .03 CENTS, I TOLD THEM TO CLOSE MY ACCOUNT. THEY TOLD ME THAT IT TAKES 21 DAYS TO CLOSE MY ACCOUNT THEY WOULD CHARGE ME $6.50 FOR CLOSING IT AND THAT I WOULD ACCRUE DAILY FINANCE CHARGES ON THE BALANCE UTIL MY NEXT STATEMENT CAME OUT ON 05/09/2010. I TOLD THEM THAT I JUST BAID THE BALANCE BUT PAID IT .03 CENTS SHORT. THEIR RESPONSE IT DOESN'T MATTER. THE CREDIT CARD LAW JUST RECENTLY PASSED WAS TO HELP US CONSUMERS AVOID SHAMS LIKE THIS BUT IT SEEMS THET THEY HAVE FOUND VERY CREATIVE WAYS TO AVOID ADHERING TO THE LAW.

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Donny
,
Nov 23, 2008 4:37 pm EST

I pay double the pmt amount each month, , but still get over the limit charges, i dont nor have not used the card in 6 months. This company is a rip off.

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2:36 pm EDT

Credit One Bank why can't I speak to a real person?

I have been trying to contact the credit one bank since last Monday concerning my credit card but every number i have called seems to transfer me to an automated attendant instead of a real person who can answer my questions. If i could just get in contact to a rep. I would be greatly appreciated.

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Joann Serger
Osakis, US
Nov 14, 2022 8:10 pm EST

I have been trying to activate my new credit card, but no matter what number I use they won't recognize the numbers I enter in of my cards. And they hang up one me. I am beginning to wonder if they even have people working for them, that can actually answer the phone, instead of just a robot .

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bajaskier
Fond du Lac, US
Oct 08, 2008 2:43 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

try www.gethuman.com
this webiste tells you how to get around automated phone systems for many companies.
Good luck.

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9:17 am EDT

Credit One Bank opened account w/o my authorization

They opened up an account/credit card for me without my authorization/permission! I never would have accepted their offer - $75.00 just to to get their visa card? I never even received a card, and I don't want it! I will be writing to the attorney general's office.

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Deborah Cunningham
Mountain Home, US
Sep 30, 2008 8:13 am EDT

I would like to encourage everyone out there to report Credit One to the FBI. With the whole financial industry going up in smoke for the reasons that people who have been dealing with Credit One already knew about, the FBI is investigating companies right now. Here is a link:

https://tips.fbi.gov/

I have tried everything to get these people to work with me and they refuse. I reported them to the BBB, the Federal Government, and the Attorney General in their state. None of this helped. They have been screwing me over for three years. Please report them to the FBI.

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9:17 am EDT

Credit One Bank posting of payment - overcharge

We paid this credit card online a few days before the actual due date. They posted it after the due date and are charging us the fees for a late payment. I believe this is highly illegal and basically fraud. When my son contacted them, the person stated to pay the balance in full and then they would refund some of the fees but not before. Sorry guys - I think its time to discuss this with my attorney. Very nice scam - great card for college kids - R U KIDDING ME!

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8:53 pm EDT

Credit One Bank closed account fees never disclosed

This credit card company is the most deceitful I have ever seen! When I called to close my account, the Customer Service Rep said there would be no account closure fees while I was paying off the balance. I asked him 3 different times, and the answer was always a resounding "no." Got my statement and to my surprise I noticed there was a "closed account maintenance fee of $3.00." I immediately called and got the rudest CSR who said there was nothing he could do about it. I asked to speak to a supervisor and he was even worse! I explained what I was told the first time around and he said "We record every call and we will look into it." I asked if that meant they would get back to me or if I should call them back, to which his response was, "No, don't bother because we are not going to do anything about it." He was basically insinuating that I was a liar, but I remember nearly every word of my original conversation. Their customer service is absoltuely deplorable (not to mention you are talking with CSRs in an overseas call center). My advise is to avoid this company at all costs, unless you feel a compelling need to be a sado-masochist!

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C1Fee
, US
May 06, 2011 7:01 pm EDT

This is a bank that charges in my opinion excesive fees. I pay an estimated 24% interest annually just for using it and paying it of every month. Above and beyond I paid $ 75.00 for the pleasure of having it. I will probably keep it for the full year with penies in credit balance and then cancel it. YES using a certified return receipt letter

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gcapeverde
East Providence, US
Mar 11, 2011 8:57 pm EST

I have an account with them and have been paying on time, owing a small balance. They have called me and want to give a $100. credit increase for a one time fee of $29.00. I said no thanks and he reduced the fee to $19.00 which I still refused. I now want to pay it off and close it. Is that legal they can do that? If it is how come the government hasn't looked at that practice

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Rafael Narcia
Ventura, US
Jan 01, 2009 2:16 pm EST

I did close my acount two months ago and still receiving their ###ing bills, For what? Who knows, but I'm not gonna pay a penny at all I'll call them, and if they don't stop sending bills I'll go to police.

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1:37 pm EDT

Credit One Bank I dont owe this bill

The only time i used this card was three years ago for a 200.oo cash advance. and i i paid it off, now i get this bill saying it is in collection, i have requested a printout on charges, but they wont give me one. i dont owe any money. so where do i go from here guess i will have to hire an atrorney to get it straighned out. i would like some advise from you. thanks. Bobby w. Ferguson

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Alex Walker D
new jersy, US
Aug 21, 2014 8:25 pm EDT

it might be in collections because what happens is that there is a annual fee which is charged on the account on the monthly basis for $8.25.. so the amount might get up due to continous annual fee and late fee on account ... you can call on [protected] and ask them... take time from you schedule and try to let them explain things if the amount u have used is zero then ask to close account and ask for fee waiver eligibility

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11:03 pm EDT

Credit One Bank lost card

I have called twice to report my card lost, well the first time your customer service person never entered the info. It was suppose to come overnight and it did not, so I called back and that is when I found out it was not reported. The man that helped me said he would overnight it to me next day, two days have passed and well of course I still have not recieved my card. Do you put your employees through training or just throw them on the phone, please contact me to descuss this matter and I would like a credit increase for my trouble and I have made three payments within my first pay period. That is the least you can do sense you are chargeing me $25.00 for a new card.

Thanks
Donny & Kimberly Farrow

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junespiritu
, US
Sep 17, 2016 9:34 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

i lost my credit one bank credit card please help me

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lawrence Edward Provost
,
Nov 20, 2008 2:07 am EST

this is may first time useing your acct. for lost or stoend credit card .my last store preage was was at t j maxs fpr $ 6.50 or ss. I would like may credit card conceled and sent out another card please. i do not feel safe placing my card number on the site. thank you.

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M
4:11 pm EDT

Credit One Bank poor customer svc

I received a credit card from credit one bank. I was not having any problems with them until I got married in 12/07 and requested a new card with my married name in 01/08. I have done what they have asked of me including cutting up my card & mailing it with a copy of the marriage license/photo id back to credit one bank and have faxed the docs 4 times. It is now 07/08 and I have yet to receive my card. I have been given the run around & am sick and tired of it. I would told it would take 2 days to process my new card then it would be rushed out immediately & I would have to be home to sign for it. Call back tomorrow to verify the fax was received. I did just that and was told they dont rush the cards and I would not need to be home to sign for the card. Are they going to pay me for the day of work I requested off already?! Nope! Dont think so! They must not care about keeping their word just as long as they get their money from us people once a month. When I spoke with the supervisor all he could say was "im so sorry. I dont know why they would say that!" well to me that reflects poorly on him as he is a supervisor and could do nothing to "fix" the situation except to tell me I would receive my new card in 7-10 business days. Very very very poor customer service!

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tinaaa
4100 rustic lane, US
Jan 24, 2014 1:20 pm EST

To whom it may concern,

On 12/3/2013 or sometime around the dame date I received a call from you guys that my account was compromise and that you are closing my account and that I was receiving a new card. I gave my new address and asked for my card to be sent to me. I had to call back three more times asking for my card and still as of today 1/24/2014 I have not received it. This is a total mess that I have been dealing with. On top of me not having my card for almost two months, my access to the website gets cancelled too.
I called back last night being very frustrated and explained everything to your agent. She DID NOT offer an apology or try to do anything to make it better. I have been your customer for over 4 years now and all I asked her was to waive my $8.50 monthly annual fee that I pay and she totally was ignoring me and asked if there was anything else she can do? I said are you not hearing me out? She was rude and I asked to speak to her supervisor and she with a smart tone told me that oh well she will tell you the same thing. At this time I am 27 minutes into the phone call, again this is my 4th call trying to get my card from you guys!
Her supervisor Jackie (85829) gets on the phone and she was extremely rude and our conversation was not going anywhere and she said that she is not going to do anything for the mistake another agent has made and that she will talk to the first agent to see why she didn’t apologize? I asked her for her agent number and told her that she was being very rude and at this time we both were frustrated. I asked her if she was in the states or India and she told me that she is in the UNITED STATE OF AMERICA and if I’m from India referring to my accent! This is a total discrimination and your agent was being rude and racist to me. I’m filling s report with BBB ad also leaving online reviews until this gets resolved. I’m requesting your legal department to contact me or I will take legal action as I was discriminated against my race and accent. I feel like your agent was racist and she judged me for my accent and did not treat me the same as she would with another customer. I still cannot understand how it is ok for you to discriminate me based on my accent?

ComplaintsBoard
B
10:01 am EDT

Credit One Bank fees after I closed account

I called and canceled my credit one card 4 months ago ..the operator told me the balance was paid in full... the next month I got a bill for $4.25 so I called them they said they would take it off. The next month collections called and I explained it to them... they checked notes and said they would take it off... the same thing happened 2 more months and today a man called from there and was very rude and wanted $98.56... he said he didn't know why they told me that but it was money I owed and had to pay it... well after fighting with him for a few minutes I asked him if I pay this will you stop calling me and he said you'll never hear from us again... so I paid it...

This company should be put out if business!

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Lynn
,
Nov 30, 2008 3:55 pm EST

THis company is ridiculous. They get you by claimng they can help improve your credit. THe card has a low limit ($200). But then, they get you: $5.95 a month in fees for the "priveledge"; $9.95 charge to pay by debit card; $7.95 to pay from checking. So, a 20.00 monthly payment nets you about $4.00. Unbelieveable!

I will cancel ASAP, but according to this site, that seems to be impossible?

If you get an offer from them, THROW IT AWAY!

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alberts
mountvernon, US
Oct 01, 2008 12:20 pm EDT

I keep trying to play catch up with this credit idot card company and they keep raising the minimum amount on me it has gone from 20.00 month to now 45.00 I am on a fixed income and can not pay this card off because they keep putting a 35.00 dollar late fee on me when i send it in on the first of the month and is not due until the 20th some of my payments they claim never got there. this credit one bank has liers working for them. if i find on the internet a class action law suit filed on them you bet i'm jumping in the ring...

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L
6:34 pm EDT

Credit One Bank stealing from checking

they stole money from my checking account. I sent my payment in by check and they said it was returned so they charge me a late fee, a returned check fee and did a forced debit withdrawl from my checking. I went to my bank and got a letter stating that they never tried to cash my check and that i have overdraft protection so it would have been cover even if I didin't have the money in there. they stole my money and I am filing a complaint to the Attorney General Office of Nevada about this.
then they deleted my statement showing all this about the late fees and so on. How many other people are they doing this to?
Linda Weinberg

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5:04 pm EDT

Credit One Bank fees charged after account closed

Paid 2 credit cards off in full and canceled both cards due to their fees for online payments $6.95. The agent tells me that it may take up to 30 to process the closed account and I may have other fees attached (like my monthly annual fee, paid monthly). If these people charge me a fee after I closed my acccounts I'm getting an attourney. ********CONSUMERS BEWARE***********

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creditonehater
Garden Grove, US
Oct 02, 2009 3:33 pm EDT

I just called this ###ing bank today and canceled my account. This is the worst bank anyone get possibly get themselves involved in. They have fraudulent practices. They charge you for everything that you do and not do. I have not even used this card for the last year and a half and my balances continue to grow. If you want to make a payment online, they charge you 7.00 for processing fee. What the ###? They charge you an annual fee every month. And if you don't pay a day before your due date they charge you a late fee on the same day that it's due. That's ###. Is this even legal what they are doing with their practices? It's so hard to find anyone or any contact info for this company on their website. You can't even email your concerns or talk to a real person. I warn everyone that is thinking of getting a credit card from this company. YOU WILL REGRET THAT YOU DID!.

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brknpointstar
,
Jul 15, 2008 9:58 am EDT

I called and canceled my credit one card 4 months ago ..the operator told me the balance was paid in full..the next month I got a bill for $4.25 so I called them they said they would take it off.The next month collections called and I explained it to them..they checked notes and
said they would take it off ..the same thing happened 2 more months and today a man called from there and was very rude and wanted $98.56..he said he didn't know why they told me that but it was money I owed and had to pay it..well after fighting with him for a few minutes I asked him if I pay this will you stop calling me and he said you'll never hear from us again..so I paid it..
This company should be put out if business !

Credit One Bank Customer Reviews Overview

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Credit One Bank In-depth Review

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Mobile App Functionality: The mobile app offered by Credit One Bank is highly functional and user-friendly. It allows you to access your accounts, make payments, and manage your finances on the go. The app is available for both iOS and Android devices, ensuring that you can bank with convenience no matter what device you use.

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Overall Satisfaction and Recommendation: Overall, Credit One Bank is a reliable and customer-focused financial institution. Their website design and user experience are top-notch, and they offer a wide range of products and services to meet diverse needs. Their customer service is exceptional, and their interest rates and fees are competitive. With their commitment to transparency and security, you can feel confident in banking with Credit One Bank.

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- Summarize the main issue with Credit One Bank in the 'Complaint Title' section.

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- Provide detailed information about your experience with the company. Mention key areas, transactions, steps taken to resolve the issue, personal impact, and the nature of the problem.

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- Attach any relevant supporting documents but avoid including sensitive personal data.

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- Use the 'Claimed Loss' field to state any financial losses and the 'Desired Outcome' field to specify the resolution you are seeking.

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- Review your complaint for clarity, accuracy, and completeness before submitting it.

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- Submit your complaint by clicking the 'Submit' button.

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Ensure to follow these steps to effectively file a complaint with Credit One Bank on ComplaintsBoard.com.

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Contact Credit One Bank customer service

Phone numbers

1877 825 3242 +1 (866) 803-1745 More phone numbers

Website

www.creditonebank.com

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