Credit One Bank’s earns a 1.7-star rating from 34 reviews and 427 complaints, showing that the majority of customers are dissatisfied with banking services.
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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
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...
Read full review of Credit One Bank and 2 commentspoor 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...
Read full review of Credit One Bank and 1 commentfees 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!
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!
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...
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
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***********
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!.
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 !
private lender scam artist
I was approved for a loan with Credit One Commerce Financial Loan after returing loan documents signed and send a seurity deposit for 1054.75 thru moneygram to a private lender named in the loan documents as Danielle Mclaughlin. I was told that I would receive the loan the next day for 10, 000.o0by Dina Prescott who is also a fake scam artist loan consultant. Turns Out Danielle Mclaughlin is a low life scam artist that tricks innocent people that she is a private lender that needs to be arrest for fraud and needs to refund my security deposit of 1054.75. Beware of Scam Artist who ask for money in advance if I seen a report about the company in advance I would have never have applied for the loan or sent my hard earned cash that has left me in loss of 1000.00. I have reported this to several complaint boards and seeking advice of attorney to find the scam artist to sue in small claims court. However it is very diffcult to find the address or telephone since they are using a fake address and id. If you happen to know of anyone that can help me locate these scam artist please respond. Maybe I am not the only person that they tricked and hopefully this will help someone else not to be con out of their money. Hopefully, with enough negative blogs and press they will remove their website and shut them down and close their scam loan operation out of business.
dishonest practices
On April 24 I had just finished a stressful session with this organization. I first talk to a customer service rep and after going no where with her I asked for a supervisor. I got a reply that the supervisors were all 'taking calls". I told her I'd gladly wait. She also could find no record of a payment I had made on April 2nd which was sent to them electronically and verified with my bank. I never got a supervisor but this person removed the late fee.
A few days later, April 30, I received another statement from Credit One slapping me with another late fee. I called again and demanded to speak to a supervisor immediately. Again I was given the run around reply that they were 'all busy taking calls". I again said I'd wait and finally spoke to one. This time the "supervisor" said my record showed a payments received on April 17. This is 15 days after my bank had sent it to them. I asked her why the customer rep had no record of this payment on April 24 and she said she had no idea.
An investigation with my bank showed that the payments was sent to Credit One on April 2nd for the April 10th due date. My bank said that Credit One received the transaction electronically the same day but refused to do anything with it. Credit One, my bank says, sat on it until the 17th thus causing me to be eligible for another $30 late fee.
So bascically Credit One received the payment in plenty of time but hung onto it so they could tack on more fees !
They're rude, annoying and I'm sick and tired of them. Yes, I'm behind, but my other credit companies are willing to work with me. All credit one does is call me every day, 5 times a day. Maybe if they get some people in there who speak english? I told one rep that I wanted to speak to someone who spoke english and who could understand me and he replied, "I speak the queen's english." Ok... Umm.. Whatever. They kept demanding to know when I would pay them even after I told them when rent is paid. So, I told them I'd pay them on October 5, 2910 and slammed the phone down. They haven't called back yet and it's been 3 weeks. They're dumb enough to not call back until then. I recevied a letter from them stating because I was behind they were suspending my account and weren't going to add late fees to my bill so I could get it paid off. Guess what? Yep, late fees appeared on my bill. Called and they told me I was to disregard the letter and pay the late fees. Ha! I don't think so. Hello Better Business Bureau.
How do you get around paying them all that money. 'Would credit counseling work. They have attached so many fees on me. Give me an alternative ...I want to pay what I owe and that is it.
Thank you!
outrageous charges, fraudulent billing
Does anybody know where I should have this disgusting bank served? A point of service for Credit One Bank is what I need. I am going to sue them in small claims court for the $840 (and rising) in FEES they have charged me because I sent back one of their cards..never signed for. .never used! After it arrived, I saw that it had a $200 credit limit (a $200 credit limit!) and a $75 yearly fee. I called them immediately and told them I did not want it.. I sent it back. Months went by and I started to get phone calls demanding payment. Then the bills started! Fees upon fees upon fees! All compounded from the $75 yearly fee I did not pay!
please let me know where I can sue them. I already know how to file a small claims lawsuit. Thanks!
Yep. That's Credit One, alright. ':-(
I called to cancel my card today (they did not ask why) because I think its ridiculous that they charge me to accept payment from me. Both payment from online checking or debit cards result in a fee. Not sure how I missed that, but a fee for accepting a fee? Are they serious?
Back in 2003 I recieved a call from a rep of First National Bank of Marin now Credit One Bank.
He promised that for a small fee $79 charged to my bank account I would recieve a credit card with $600 credit.
I made the payment of $79 and recieved the card. It had very little credit on it $50 and on the card it had a sticker telling me to use it to activate the card or I would lose it. So I used it to buy a coffee and a candy bar about $2.00 the most. Soon after I recieved a statement demanding a payment of $50 and that I had no more avaible credit and owed the bank over $2oo. I sent in the some more payments and three more after that. I called them and asked them why I had to pay over $200 cause I only spent $2.00. They said it was a charge against the card for a savings deposit.
When they first called they never said anything about a savings deposit. Why would I need a savings account when I already had a Bank account with Citizens Bank. Plus I recently got three credit cards One from Capital One and two from First Premeir Bank with $300 credit on each of them with no savings deposit.
I brought this to my States attorney offices and they told me not to send any more money and cancel the card and I did. This I did back in 2004.
But shortly after I started to get more bills from First National Bank of Marin this time it was for $400 - $600. I called them and asked them why so much and they said they extra charges are late fees and interest fees.
I ignored them cause why should I pay $600 bucks for a card I really did not use except for a $1 coffee and a $1 candy bar. If I knew from the start they were going to charge me $200 for a deposit I would of told them no cause I could put $200 into my own account at Citizens Bank.
So I ignored them again but Now a month ago I recieve a letter from a attorney in the Boston area threating to sue me for almost $694.62
When I got this I google First National Bank of Marin and found that they had number of lawsuits and complaints against them. Back in Dec 3, 2001 The OCC settled a case with them for useing the very same decietful tactics they used with me on 100s of people. The [OCC] Office of the Comptroller of the Currency has a consent oreder and a OCC Marin Fact Sheet on them The Bank was told to make restitution. But it seems they did not heed to the complaint cause after wards back in 2003 they decieved me and many others the same way. Now they have changed their name to Credit One Bank and are still doing the same thing. I have just filed a complaint against them with the Office of the Comptroller of the Currency[OCC]Thus being said because these people The First National Bank of Marin of Las Vegas, Nev was deceitful about their credit card not just with me but to many others and have been ordered by the [OCC] to stop their deceitful practices but did not. Promising $600 credit that I never received $600 credit only $50 in which I only used $2 and made several payments after I do not owe them anything. The $694 is nothing nothing but interest charges for a card I only spent $2 on and paid back.
went it off my cred card september 9 2008
well sir if you return the card and did not activate it it will automaticaly unwind, meaning to say all of the charges on the account will be credited back to it and you dont need to pay anything at all. and it is not a $75.00 yearly fee. its $69.00
Credit One Bank is the worst credit card company I have ever dealt with. They claim not to have gotten online payments when made on time and then begin the process of charging late fees and harassing their customers by phone. The worst part is you talk with a rep in America and then get harassed by someone in India. I strongly encourage anyone who recieves a credit card offer from this bank to burn it!
I am a bankruptcy attorney and this company ignores a bankruptcy filing and continues to call and harass debtor who have filed bankruptcy in violation of the automatic stay. When you call they apologize and then continue to call. They refuse to provide information on how to stop the problem.
identity theft!
I am a victim of identity theft. Credit One Bank left a message about an acct of which I had no knowledge on March 19. I called the fraud dept but was only able to leave a message. Days later no one had returned my call. I called customer service and again reported that the acct was opened fraudulently. I was told an affidavit would be sent within 10 days. It never arrived. I called twice again before someone returned my calls.
This man refused to listen to me. He talked over me, raised his voice, cut me off. I told him I had a police report... he said he didn't care about the police. I requested all records pertaining to the account, my right as a victim of identity theft - he cut me off. I asked to speak with his supervisor, he refused. I asked for his telephone extension, he refused. He then said he'd get back with me and hung up on me!
He called back about 20 minutes later, more conciliatory, saying he had emailed his supervisor that I wanted to speak with her. Then he proceeded on a line of hostile questioning and badgering, implying I or my husband made the charges despite the fact that the acct was opened using an address and phone different from mine, that I had a security alert with the credit bureaus and had placed a dispute with the credit bureau about this account and the address associated with it! He made thinly veiled threats that WalMart cameras would have an image of who made the charges there and that this is a felony. It was a very disturbing exchange that has me still shaking mad days later. I am the victim and this man with Credit One Bank was victimizing me again!
This man also failed to identity me adequately on either call and could have been talking with anyone. Interestingly, this is an account with a $300 limit that was apparently charged up to $1800, a sure indicator this bank's security efforts are minimal at best!
I find this extremely helpful. This company has the worst security I have ever seen. I was trying to pre-qualify for a card at this bank and learned that somehow, magically, I already had an account with them. Curious, I called them up, to discover that they had an account open for some man by the last name of Gonzalez, under my social security number. After arguing for what seemed like ten minutes. I requested to speak with the responder's supervisor. Somewhat more helpful, although the entire company has something screwy with them. Especially since you can't reach the fraud department by phone. So I sent in the documentation they requested to prove my identity and eventually, after two months, they shut down the account. But they left it under my social security number, so I still have to fight with them over clearing away the records of the account.
I am having the same issue with Credit One Bank. They keep telling me that there is not a fraud department contact and that they investigated my account and found it was not due to ID Theft yet they have never once initiated contact with me or sent me an affidavit nor offered to. I have mailed them a Signed and Notarized ID Theft affidavit from the FTC and even letters from the company they sold the account to that say it is not my debt.
I have ended up contacting the Office of the Comptroller of the Currency at helpwithmybank.gov and filed a complaint against them but have yet to hear back from Credit One.
this just happened to me too. they were pretty helpful over the phone and said they would send me the affadavit papers in the mail within 30 days after their investigation. i'll update the post if they don't
rip off!
I lost my card and they charged me $25 to replace it. They did not tell me there was a charge for lost cards when I called it in. Also - they charge you to pay your bill online. They have a very high interest rate that is locked in. I plan on paying this card off and canceling it ASAP and I recommend NOT getting this card.
Worst card scam out there. They make it so difficult to make a payment then charge you fee’s. they ding you 75 member fee on your first statement ( undisclosed). I’m trying to build credit and after accepting this card it has ruined any good credit I have earned in the last 6 months. This company really should be reported
I Hate Cedit One customer service they are so rude they don't speak good enough English it's hard not to get frustrated but I do. I have called several times asking them questions and they can't even answer my questions they put me on hold and wait for me to hang up. I will never recommend creditone to no one ever in life.
Just tried to change my due date I have two cards with them just wanted them to be due on same date they hung up after I ask and can not find how to set up a recurring payment they have set things up so they can charge the crap out of you every chance they get what a rip off going to pay off and cancel asap
I just canceled my credit one card and I'm sending them a check . S o i won't be caught in a loop for $7.95
I'll add to that!
I have mailed checks to them 12 days in advance to avoid the OUTRAGEOUS 7.95 fee and they still did not clear before my account's due date. Unbelievable. I then had to go online at the last minte and pay my bill with a debit card, fee included.
I had an instance where an online payment was made, yet I was still charged a late fee! I had to call customer service to have it removed.
This is a Grade-A scam. I have plenty of things to concentrate on in life without this nonsense adding to it. Cancelling ASAP.
I agree - Credit One Bank has the worst credit card deal. As soon as I realized that they charge me a fee for paying my bill online - I canceled it. Now I am paying it off and mailing my check to avoid the fee. But if I don't do it in time I am forced to pay online which now costs me $7.95 (!) plus interest on that amount which is treated as a purchase. It's outrageous!
credit card charges!
This bank is the biggest rip-off in the world! To pay your bill ON LINE they NOW charge you $7.95 which was increased from $5.95. They are constantly looking for ways to steal from you.
They redefine ###s! As a matter of fact, they're an insult to some ###s I've dealt with before.
You can't ever get a Supervisor or Manager. Do you know why...I finally figured it out...THEY DON'T HAVE ANY!
I agree with you as well. When I saw the fees they charge just to pay on line.. my jaw hit the floor. My other two cards, Discover and Capital One do theirs for free. Well to circumvent the fees from Credit One. I just do online bill pay. No fees for me. Maybe you could try that. it is just a suggestion.
I totally agree with you. This company SUCKS! I called them to close my credit card account today & to get the payoff. The rude customer service rep asked why I wanted to close it. I told her because there are too many fees. She said that the fees are what make it a good card to have because it looks good on my credit, but if I close it, then my credit score will drop. WTF?! Are they smokin crack?! No matter how much I pay, the balance just keeps going up due to the fees! THERE IS EVEN A $3.00 CLOSING FEE! She said that I should seriously think twice next time before I order something I don't really want because when I pay it off & close it, it will drop my credit score. I just wanted it to buy Christmas presents with & now I don't need it anymore. These credit card companies are evil & I am paying with cash from now on! I sent the payoff today, but I'm expecting more fees on my last statement. What a freaking RIPOFF!
no return calls regarding stolen card!
I contacted them back in November when I discovered, upon reviewing my online statement, that someone had committed fraud using my card. I called them immediately and 5 times again to no avail. Yesterday on Feb 8th, 4 months later, someone finally called me from the Fraud Department who was completely unprofessional, rude, disrespectful and she could care...
Read full review of Credit One Bank and 1 commentterrible experience!
They call three or four times a day. I pay what I can when I can. I know I am the one who got into debt. I can not bring my debt down if I keep on getting more fees to a card I canceled. They said they sent the bill to a collection agency. I thought that meant I should not be getting any more extra fees on my bill each month.
They've called me starting at 8:30am. Even after I have told them I work nights and to not call me that early. They still do.
These idiots are such a complete hassle. They are hitting me with substantial late charges and when i don't pay on time they will call 14 to 16 times per day from 9a-8:30p. They also called me twice on Sunday. I HATE CREDIT ONE BANK.. BUNCH OF LOSERS!
can't reach any cancellation dept!
I was trying to find a cancellation dept. or at least a 1 800 number to call them but couldn't find any to cancel my account. Instead, a bunch of answering machine will assist you. I knew then that there is something wrong. For some reason they don't want to deal with this kind of situation. I have canceled a few credit cards before but i did not have a hard time canceling my acct. because they have a live chat or an actual customer service (cancellation dept) when you don't want the service anymore. If you visit their website www.creditonebank.com you will not find any help regarding cancellation. I ended up reporting it loss, but i know soon enough they will send me a replacement card. I am disappointed and hopefully this will be a warning to people who want to open a credit card acct. to creditone bank.
I just did call the customer service number on the back of the card, pressed 7 and then 2, then I talked to one person then they sent me to an account specialist, overall did take less than 10 minutes, so I'm glad with the cancellation service, was expecting, much, much worst as per previous comments...
I hope this will help anyone who is trying to close their account. I found a number in the yellow pages, contacted it and closed my account. Please make sure you get a reference number for your cancellation as they do not offer this to you unless you ask for it. The number I called is [protected].
First Premiun Bank credti card is also the worst...I got trick in open this bank First Prenium Bank and Capitolonenow.com initial prenium
is 175.00 and payment online is 7.00 high interest rate and after the 1st year they take 175.00 plus other charges divided to every month fees which is a big ripp off. DO NOT OPEN CREDIT LINE WITH THESE 2 BANKS..
Thank you all for your honesty and complaints, I just received a Pre-Approved application in the mail and thought about accepting it. After reading all the comments and complaint, I will be shredding this garbage right now!
I received this card application in the mail today. After I have read the negative things said about this card and bank. I am going to one place, the trash can.
thanks
seal60
I just received an application for this card in the mail today. after reading what I have on this complaint, there is one place I am heading to. The trash can.
Thanks
I am so grateful to everyone that posted their complaints here. I just got the application out of the mail and decided to get online and apply to Credit One, and up popped all of the complaints against them...Thank God I saw the complaints before seeing the application! I pray that everyone who has been tricked by them gets justice...Fluffy
Not that I don't feel bad for you all but you should read all the documents sent with the card it does explain everything to you. I cut mine up and discarded it. I worked in the fraud department at a Credit Union, can't tell you how many times we filed against this bank. Please everyone be ever sooooo careful you just can't trust anyone anymore.
THIS IS WHAT HAPPENS WITH ALL THOSE FOREING COMPANIES AND THEY TREAT THE HISPANICS LIKE CRAP, , , THE REAL TERRORISTS ARE THESE FRAUDULENT HORRIBLE PEOPLE WHO CONTINUE TO SCAM THE UNITED STATES BUT PEOPLE ARE MORE WORRIED ABOUT GETTING ALLL OF THE HARDWORKING, HONEST ILLEGALS OUT OF HERE U.S SHOULD REALLY FIGHT AND GET THESE F&%$$# ARABS OUT OF HERE ITS THERE FAULT ALL OF THIS SEPARATION IS HAPENNING IN U.S AND ITS SAD HOW WE AMERICANS CONTINUE TO TRUST THE AND ALLOW THE TO TAKE OUR MONEY TO FUND THERE WORLD...STAY AWAY FROM CREDITONE...THEY WILL ROB YOU
I had some problems reaching someone as well, but if you call the 1-800 number on the back of the card and press 0, after a while you'll be connected with someone. Now, if that person speaks decent English or not, that's another story :) They'll give you the standard spiel about why you want to cancel, and try to give you offers, like waving the fee for the next 6 months and so forth, but just be persistent, and they'll close it for you. Good luck!
bad business practices!
I requested via phone line a final payoff. That means the TOTAL amount to close the account. No problem right, well as I was talking to them and gave all my bank information the neglected tell me that there was a service fee of $5.95. After I looked at my bank records they did take all the pay off, so I assumed I was finished with this bank. WRONG! Earlier this card was lost and I put a freeze on the account so I was trying to pay it off. Little did I know that after I did they would add the $5.95 service fee to the card. I never received a bill stating this. So after it was late 60 days and still no bill I found out while checking my credit that it went up to $36.00. I contacted them immediately and asked to pay whatever it took to completely close it and for them to remove the late off my credit. Guess what no such deal. I am trying to buy my first house and this has caused a huge mess to my credit. I am a veteran and still in the Military with several deployments overseas, and another coming up. For once I would like to be living in a house I own. Thanks Credit One Bank for helping out. Also to Mr Lamb at the Credit section next time try to be more understanding over a petty $5.95.
I own my own Company (a restaurant) and I received a Card from Credit One and used it only several times, gasoline and such - all is well, and then I needed to order some print cartridges from HP, which would run me close to my limit. So I receive a few thousand dollars in credit card receipts a week at my restaurant, and even more so now with the economy the way it is, so rather than exceed my credit card limit, I credit myself out of restaurant receipts so as to not exceed the limit and they go beserk at Credit One, first it's fraud (on my part) so I prove to them that I OWN the restaurant, and today I received a letter which states that they are closing my account because "the credit could not be validated" What horsecrap. Does anyone have an idea of who or where to report this, it just can't be fair.
This is the worst bank ever! they charge me every month $5.95 annual fee plus $7.95 direct check fee, in other word to pay online. And to top it all they charge $24.71 finance charge. How will I ever pay this card off is beyond me. What I cannot understand is how do they get away with this? I have not used the card in months.. I would appreciate any sugestions as to what I can do regarding this.
fraudulent billing, hidden charges, predatory lending, pyramyd charges, poor customer service
Credit One Bank's unfair billing practices as described by many patrons throughout this website and other complaint boards. I believe in all that support the belief of Credit One's fraudulent billing, pyramiding late charges, and predatory lending practices. I have been with this bank well over 4 years. Like millions of Americans, I had slow credit and I...
Read full review of Credit One Bank and 1 commentterrible service!
This credit card company still refuses to work with clients to resolve their debts. I have written to every regulating body available to me, contacted the company countless times and pay them $17 per month every month on time. Every month I get a bill adding 23.9% interest and a $39 late fee. The balance goes up every month. Nothing can stop it. All of my other debts are going down, on a Consumer Credit Counseling plan. Not Credit One Bank, however.
There is no regulation by the government to stop them. Congressman Levin Dropped the Ball.
The complaint has been investigated and resolved to the customer’s satisfaction.
I am having the same probem
credit card scam!
This is one of the very worst scam credit cards ever. The charges are through the roof ($69 enrollment fee, $69 annual fee, 23% taxed on if you pay late + $29 late payment fee, etc etc). This company logo looks like Capitol One, and the whole junk mail looks like Visa is sending it themself. It had my name printed on it, so now I'm going to find out how they got my name. They even have a debt management program for their customers who file for bankruptcy! SCAM SCAM SCAM SCAM SCAM.
Approved for a credit card on November 9 2022 I then was emailed that the card shipped on Nov 17 then on Nov 28 I called cause I hadn’t received the card yet and was told it would ship in 24 hours. I then called on Nov 29 and was again told to call in 24-48 hours to make sure the card shipped. They give you the constant run around and give you [censored] [censored] excuses as to what is going on. You can’t understand the customer service representatives as they have very strong accents. It’s literally a nightmare but if I owed them they would call me 10 times a day but I can’t even get a legit answer from them. Very rude and very unprofessional. Credit one is definitely a scam
This company has fraudulently and knowingly stolen my name and personal information and stolen money from my personal bank account and refuses to reimburse the theft and continues lying to the credit bureaus. They have ZERO employees that speak clear concise English, it's nearly impossible to get anyone to answer the phone anyway because the system is 99.100% automated and on the exceedingly rare occasion you get a human their accent is thicker than chocolate and they pretend not to understand you and refuse to change any information. They pretend they're going to put a supervisor on the line when you complain, and it's actually just them putting you on hold before the same person who pretended not to understand you comes back on giving the same lies for answers. They claim they can't help you and insist on trying to send you a credit card and maintain the account full of money they stole from you and refuse to accept any other answer.
I have had credit one for years and have 3 credit cards with them and never had a problem. They don't steal or they wouldn't be in business this long. Horrible thing to say about a company. You had a chance to prove your facts with uploading photos
Sorry but they have always been a good company with me for years
i just recently had same experience. my account with a $50 balance was double maxed out with fraud in sacramento, i live in san francisco. my $500 limit card has $900 balance and it’s nearly all fraud. no access to any of my financial records but they are telling me i’m now late on payrmnt. Also, i called about the fraud when it happened to dispute as well as i received credit one text notifications as it happened warning me they my account is under suspicion for fraudulent activity.
all outrageous and complete theft by a supposed legitimate company. Also seems what they did was trigger some new device log in security measure to kick me out of online services and hence from viewing any accounting, statements, or evidence of all of this crime. even though i have the same device and log in that i had been using for 1-2 years. email is natebarry20@gmail.com if anyone has ideas or a credit one contact to a person or dept that actually isn’t part of the company’s fraud and collusion.
If the fee is billed at 8.25 per month it is a MONTHLY fee yet on the credit one statement it says $8.25 ANNUAL fee. SCAM. I couldn't believe it when I went as far back as May 2021 and noticed I was charged every month. Spoke to 4 managers there and all they would offer me was a credit for 2 months. I said I want 11 months of fees credited. They said "we can't" I said " close my account. Had I l known I was being charged 8.25 monthly I would have canceled a year ago."
$99 a year (8.25 X 12) for a $400 credit limit. OMG
I cancelled before activating and they said they were still gonna charge me. I told them “how can I pay that charge if I don’t even have an account?” They started arguing and I said that I was recording the call too. Everything changed - she processed it and zeroed the balance. I recommmend recording your call and advising them you will send the recording to the ftc and the cpfb.
What is even worse is that EVEN IF you cancel your card, Credit One charges customers a monthly fee IN ADDITION to APR. So. even if you do NOT receive paper billing statements and even if you make all your payments electronically through your bank (so there is not even any check to process), Credit One gouges their customers by charging (in my case) $8.25 month to do absolutely NOTHING.
Don't bother contacting the Better Business Bureau because they are totally useless. They couldn't care less about the fraudulent business practices of any bank.
Terrible company, employee mistakes that they put on you. The larger, on time payments you make the more trouble they give you. I even had returned payments of certified money orders. There not a bank, there loan sharks trying to ruin your credit.Im contacting the Attorney Generals Office Of the state of Nevada to see what they can do. I HOPE THE REST OF YOU FILE A COMPLAINT THERE ALSO.
This people call my house and cell phone from 8.00am till 9:00pm 7 days week. I have been paying but they seem to post all my payment late.
First they sent me a credit card to activate, which I did not. Now I have received a bill for enrollment fee and annual fee. I tried calling these people and I cannot reach them without entering an account number that I don't even have.
This company is an absolute disgrace. I've never dealt with a credit card company as scummy as these guys. The first time dealing with them was approximately a year ago. I cancelled and what they did was took it upon themselves to cancel the account I asked to be cancelled and then proceeded to open another account unbeknownst to me. Is that not grimey or what?
The second (and last time I'll ever deal with this company) decided to hit me with a ton of fees even though I never activated the card. Naturally when I called I got connected to some dude in India that I could barely understand. According to him it didn't matter that I never activated the card. The annual fee becomes active and in need of payment immediately upon being approved or else their scummy little "late fees" start piling on. No reputable credit card company does sleezeball crap like this so as others have said, stick with well-known companies and AVOID Credit One!
PS) Where, Credit One, does it even say that the annual fee is due upon account creation (which they take it upon themselves to open for you the second you're approved so they can start slamming you with fees). It states it NOWHERE! So sneaky and despicable!
i call the creditone to get my balance the man on the other in kept trying to sell me a deal on walmart voucher i told him i didnt want he wouldnt no for answer he said that will be a charge on my bill and my wife told him their better not be charge on it and then he told my wife to shut up several times and he was very rudeto us
@creditdebit Be kinder to people, not all people are really capable of understanding that print and companies do take advantage of these people. Be grateful your not one of them and maybe try to help those that can't understand it. Or just say nothing if all you have are criticisms.
credit card rip off
On 12/1/07 I received a bill from CreditOne Bank for a Visa credit card I applied for. I never received the card, but did receive a bill for $74.75 (enrollment fee). When I called the phone number on the statement, [protected], the message immediately went into the card activation mode. I pressed option 2, which was suppose to interrupt the activation, and put me through to a representative. Instead, I received a message stating they were "closed for the holiday". I am not aware of any holiday that falls on 12/3/07. I then went on their website and called every phone number they had listed. EVERY ONE OF THEM BROUGHT ME TO THE CARD ACTIVATION MESSAGE. When I pressed option 2 on these numbers, I was again returned to the card activation message. Talk about a circle jerk. I have a really bad feeling about this company, and I get the impression I have been scammed. I sent them a letter today telling them to cancel my account immediately. I will see what happens.
Because I never used the credit card, I called them and they told me my card was cancelled for not use, so I got rid of it. After that they sent me a card statement with $ 77.72. ?
WHAT A FRAUD !
I have received a 100 calls from Credit One Bank, [protected]. I finally called them back. They knew my name and, obviously, my phone number. They claimed I owed on a card I am the Primary Card Owner of. I have never heard of them. Then, they asked if someone else in my house got it in my name. There are two of us, and no we did not. Then they wanted my social, address, husband's name. I said, you obviously have all that since you are calling me on the card YOU issued and he has the job! He said, I can't file a fraud report unless you tell me all of your information. I am so mad and fed up with the call after call after call, I want to change my phone number. They have a way of making different cities appear on your caller i.d. when they call. I, then block, each and every one. NOW, they are calling with NO Caller I.D. I changed my phone to ring only if MY CONTACTS call, and NOW they are STILL able to leave messages. The same Middle Eastern man, claiming to be Alan Richter, calls every time and then when you call him back, he claims NOT to be HIM! This is driving me insane and it should be illegal. What in the world is a person to do about these bogus, scamming people?
THis company is a complete joke on my tab. i had this cardfor 3 years paying the BS monthly and the 6 dollars Credit protection for three years and i got laid of and i owed them 83 dollars i continued to pay them for a few months the i noticed i had the credit protection so i used it and then they denied me and said that i should have claimed it in the first 30 days, , Come on people i was laid off and i still paid ur bill then u deni me protection becuase i paid u instead useing the money elsewhere basiclly stay away from the loop company i wish the american people just had more say so before the get phucked ...we need a civil war on creddit companies maybe if everyone just stopped payin them then they will realize who is in charge when they are inj unemployment lines ...
Beware of Credit One Credit cards. In the contract you accept, there is a clause that they will charge you a monthly fee even if there is no balance on the card. If you don't pay the fee on time, you get a $29 late fee...those fees for nothing add up quickly!
Then when you phone for assistance, and you FINALLY get a human, you are transferred repeatedly and they will NOT remove the fees and late fees for keeping the card open!...
I applied for their credit card trying to build/establish my credit. However just yesterday i received a bill for $74.75 which is for the enrollment and annual fees. I thought it was funny that i received the bill without having received the card first, how are you going to charge me for something i dont have nor something i've yet to even activate.I managed to call them and actually speak with somebody, however that person could barely speak a word of english and from what i got out of the conversation i was told they mail the cards separately for "security purposes"
You would figure i would have received the card before getting the bill
I also received a bill from them for $74.75 I haven't gotten a card and if I did I would not activate it because I will not pay them for a credit card. There are banks that have no fee credit card if you are in good credit standing.
Well, I should have known better than to take this card, I suppose. I took it with the idea of rebuilding my credit.
What I've noticed is an increase in fees...the fee for paying your bill online is noe almost $8.00.
Now, I see a fee of $5.00 for my monthly annual fee payment. Perhaps I'm blind, but I don't recall seeing this before.
Then, just TRY to get them on the phone. Apparently, it can't be done. I did find their corporate number. Perhaps you'd like to try it as well. It probably won't work either but here it is:
[protected]
Good hunting!
I've had a similar experience... I applied for the card, recieved the card, which required activation within 14 days... I decided I didn't want the card, figured I'd wait it out, and got a bill 2 days later for the activiation fee... called customer svc., avoiding the activation #, and was unable to speak to a live rep... kept asking me for my card #. I gave in, since this wasn't the activation #, and since the phone prompts gave no indication that it was... well, sure enough I was rewarded with a a recorded message stating the card was activated, but I was given the option to cancel by pressing "2" - I do not know any way to speak with a live operator, I'm afraid... I'll try writing, to see if there's anyway to make this card disappear.
The Card is a complete rip off I never received the card, but I did get a bill in the mail for 94 dollars.
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Credit One Bank emailsikuhic@yahoo.com100%Confidence score: 100%Support
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Credit One Bank addressP.O. Box 98873, Las Vegas, Nevada, 89193-8873, United States
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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