Credit One Bank
reviews and complaints

The specifics of MY experience:
My financial situation had improved dramatically in 2011 so I decided to start trying to rebuild my credit. I got a credit card with Credit One Bank, paid for monthly "credit protection insurance" to cover costs should I be laid off from my job.

• I read the agreement and thought the $75.00 annual fee was a bit excessive but I was determined to begin building my credit again.
• The “Credit Protection Insurance” seemed like a good deal, $4/month and the employment situation in Florida was precarious at best so I signed up for it.

A few months after I was approved for a credit card, I WAS subsequently laid off from my job, they denied my credit protection insurance, and refused to work with me regarding a payment arrangement.

• Before I was laid off from my job, I was making all the payments on time.
• When I say they denied the credit protection insurance, I mean exactly that – I signed up for it, was charged for it monthly, and when the time came that I actually needed it – they denied it out of hand. I tried to arrangement a payment arrangement because I was laid off – they denied THAT out of hand.

After denying my "credit protection" insurance and refusing to work with me on a payment arrangement, I was still unemployed so there was little I could do...They began calling me 10+ times a day (including 2-3 calls before 9am on Saturday and Sunday mornings).

• I started keeping a log of all their harassing phone calls.

I have finally found new employment and am in a situation again to begin making payments, however in the meanwhile $255.00 of penalty fees have accrued on my account (which I see as ridiculous and excessive).

• Actually the $255.00 is outdated; the penalties as of now exceed the original debt.

I am ending up owing more in fees and penalties than the original debt was! My issue is this: being laid off from my job was out of my hands, I reacted as responsibly as could be expected and Credit One bank refused every attempt I made to rectify the situation. Credit One Bank has effectively manipulated my bad fortune to double their profit (in the process violating consumer protection laws regarding harassment)!

I feel as though the public should be warned about this company, and ask that your organization make their practices known so others do not go through what I've gone through.

• I have personally submitted formal complaints against Credit One Bank to: The Federal Trade Commission, the new Consumer Financial Protection Bureau, the State Attorney Generals for my (Florida) and Nevada (Credit One Bank’s state) and the Better Business Bureau of Southern Nevada (Credit One Bank’s district).

Links to Government Regulatory Agencies:

Better Business Bureau of Southern Nevada -
https://www.bbb.org/file-a-complaint/

Federal Trade Commission - https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Consumer Financial Protection Bureau - https://help.consumerfinance.gov/app/ask_cc_complaint

On Dec 5, 2011 I applied for a credit card from Credit One. I had received a pre-approved letter from them and I explained to my husband what a joke these offers were. How these places tell you that you are pre-approved but when you apply they turn you down. Having a bankruptcy on my record I never would have expected them to approve my app. I actually did it as a joke to prove my point to my husband. Imagine my surprise when they approved me. It became clear that this little known bank was preying on people like me. I pride myself in being cautious and suspicious about these things and don't normally fall for this crap. Well it has been a few weeks and I still haven't received a card. That's when I really became concerned. I looked them up on Google and read all the negative things about them, which I should have done long ago. I called to inquire about the card and was told it takes 3 weeks to receive it. I told the customer service rep that I was suspicious because I have never had to wait this long and their website does not say anything about that. She just kept repeating like a robot till I hung up. Every day I check status on their website. It says that once my card is mailed status will be updated and it will indicate the date the card was mailed, which it still hasn't done. I will attempt to reach them (I don't think there is an email address) and tell them I have changed my mind and to not send the card. I will also notify the three large credit reporting agencies of my decision and why in an attempt to do damage control. Since reading so much negative information I am
genuinely fearful of doing business with them, but I am thankful for having invaluable information such as this handy.

I paid off my bill and asked to cancel my account because of the high interest rate and their “inability” to lower it. The representative that I talked to told me I was canceled and to call up any companies which had re-occurring monthly charges and give them a different credit card to take payments from. I reconfirmed with the rep on the phone that I was completely through with this company and would receive no more billing statements. He agreed. A month and a half later I receive a call from them stating an overdue balance and asking for payments. I explained to them that I had canceled the account, but they disagreed and told me I just “closed it” which means they still allowed a re-occurring charge to take place. Then added all their fees on top of it. Then added a late fee as well. They refused to work with me even though it was their employee who lied to me and confirmed my completion of everything. This company is a bunch of crooks with no customer support. I refused to pay them their ### charges and am sick of arguing with a bunch of Indians from another country about it. Don’t ever use Credit One Bank for anything!

Credit one is the lender/finance company I used to purchase a vehicle through. I have been three months behind on payments; I agreed to work something out. I was unable to, and told Oscar Mejia, my account rep I would give up the car, to pick it up from my home address by email. My husband received a call from their Legal Department three times between 7:32-7:34 am on 4/24/09; they have called him several times at work. My parents have received numerous calls, even though they told Oscar not to call, because our relationship is strained due to Oscar's rude/harassing everyday contact with them. I told Oscar to pick the car up by phone and email on 4/24/09. 4/25/09 I got a call from his supervisor stating they were aware of this, and what do I want to do. 4:58pm-on 4/25, Oscar left a vim stating they were coming after me and this would never end!4/25/09 at 8:07 pm. Oscar called me from [protected] and told me they would not take the car back, they wanted their money, and I better go out and get it or something will happen! I told him I have been unemployed and unable to, he told me to grow up and borrow it, I told him no one I knew would be able to help me they are in bad situations like me, and I told him I had to pay my rent, because I almost was evicted. He told me I better get him some money or he was sending someone after me. I asked him what did that mean, he was sending someone to kill me, and he said you said it! Not me! You will find out! He told me you better go get a job right now! I told him it was late, and he cannot call me past 8 pm, it is against the law, he told me I don't know anything about the law, when it comes to his money I better get it. I told him I am not into killing or selling drugs, I can't get a job at night. I yelled obscenities at him; he told me you better get the money. I don't understand Credit One gave me the money for a car, they don't want the car, and they want the money. I told him, I don't have it and I wasn't lying. I told him I told him to pick the car up yesterday, he said we want the money and you better get it, and he hung up on me. Earlier in the week someone came to my door, and I watched through the peephole as they pounded the door with hands and feet! I was afraid to answer the door. They left a note from Credit One. I am really afraid, several times a day Oscar calls and leaves rude, harassing messages to myself, and my family members. I tried to make my payments, I have been unemployed and unable to, and they can get the car. I am really afraid to talk to anyone from that company anymore. Oscar Mejia always insinuates that something is going to happen to me, that things are going to get worse for me with dealing with Credit One, and they are sending someone to get me. Please help me. I have saved over 19 messages from him. I have some documentation as well

I have been a member with Credit One Bank since 2009. I have this card to help build my credit back up. This year I have had 2 incidents of being charged when my card has been declined. First time at a Carl's JR using an ATM machine, I was declined, I looked online after I got home and it said pending actions $100.00. When I never got the money. Just yesterday I tried using my Credit Card to get some gas at a Chevron, it also declined me. I look online this morning and once again it says pending charges of $126.00 when my card was declined and I never got any gas from there. This CREDIT CARD is bad!

I never applied for a credit one credit card.They sent me a card that I trashed and never activated. I started getting bills for a card that was never activated and used with a fees of $25 every month. Called the customer care rep - said that I had opened the account (LIE) and had all the info on me. Asked him to delete the account and also inquired how could the card be used without activation - he hung up the phone on me. They are pure scammers .. stay away from them!

Called another rep and then had to talk with the manager to cancel the account. Fraudulent company - dont forget to report identity theft after getting your account closed.

In October of 2010 I became a casualty of the economy and was laid off. I wnet on unemployment and tried to continue to make my payments on all my obligations. In January things began to get extremely tight financially. I started to look at many options. I looked at my credit cards and realized that when I opened them a number of years ago I had opted in for the credit protection. On January 26th I called my four credit card companies credit protection. CapitalOne was awesome, very easy to initiate the protection and theyh said they would go back to the event in October that triggered the need and credit my account from that point and continue the payments. I need to contact them when I return to work and if they need anything they will contact me. Discover, was another somewhat positive experience, they initiated the benefits and said they would send a form which I needed to complete and return with a copy of my unemployment benefits, not problem, done and benefits were activated. CreditOne, I applied the sane way, they told me they would let me know. I did not hear from them but I went online and noticed they made a minimum payment on the account on 2/2. Great, so I thought, benefits were activated. Not so fast. Shame on me, I did not go online and watch the accounts every month, but let's say I have not been in the best frame of mind as I am used to being fully employed. I receive a letter dated 3/21 stating that I received a letter 30 days ago saying a Benefits Activation Form was to be completed and returned to evaluate continued eligibility. They did not receive the form back so my benefits have been terminated.
How can I mail a form back that I have not received? Since I began the process of activating my benefits I have maintained a file with my original handwritten notes of the calls to all the companies, their response and what the process was. I have all my documentation filed in a folder with other items I need to keep track of during this time. Any forms sent for re-verification from the other companies were immediately returend. I am currently receiving my continued unemployment benefits and print my statements every week in case anyone needs them. Why would I not take advantage of a service I have paid for?

CreditOne Credit Protection is a scam! I have contacted them and now I am in the process to look at joing a current class action against them that is in process for not paying on their benefits. All I ask is that the company honor the services that are contracted and paid for!

I never evevn heard of these people before I actually received a card from them in the mail, which I DID NOT apply for. I ignored it, since the letter said I could call and activate it, or if I did not, it would automatically be cancelled. WRONG! Instead a couple weeks later I get a bill for $75 for the "annual fee". When I called the customer service number on the bill, a recording thanked me for activating my card! When I finally got ahold of a real person they were decent enough and said they would remove the charge and close my account (which I never applied for!). He also said to disregard any future offers, which I replied with firmly stating I didn't ever want to hear a word from them again. So beware just ignoring the cards they sent, make sure you get ahold of someone right away and be straight forward or they will just send you bills for nothing!

Credit One Bank [protected]) has been calling my home number for over a month now asking for people who do not even live in my home. I have no account or business with this company. I tell them EVERYTIME that person does not live here and to stop calling. The call again and ask for a different name the next time... I told them to add my home number on their do not call list. They have NOT stop calling...each time it is for a different person. They are very rude and say they talked to that person from this number the day before. That is not true... How do I get them to stop calling? Who do I report them? They continue to harass us...they are rude even when we requested to speak to supervisor and they are rude. How do we stop them?

I paid off my bill and asked to cancel my account because of the high interest rate and their "inability" to lower it. The representative that I talked to told me I was canceled and to call up any companies which had re-occurring monthly charges and give them a different credit card to take payments from. I reconfirmed with the rep on the phone that I was completely through with this company and would receive no more billing statements. He agreed. A month and a half later I receive a call from them stating an overdue balance and asking for payments. I explained to them that I had canceled the account, but they disagreed and told me I just "closed it" which means they still allowed a re-occurring charge to take place. Then added all their fees on top of it. Then added a late fee as well. They refused to work with me even though it was their employee who lied to me and confirmed my completion of everything. This company is a bunch of crooks with no customer support. I refused to pay them their ### charges and am sick of arguing with a bunch of Indians from another country about it. Don't ever use Credit One Bank for anything!

I paid off my account with Credit One Bank credit card in December 2010. In January 2011, I closed my account with them. When I closed the account, I wrote down the customer service rep's (CSR) name and the confirmation number that he gave me. As of April 2011, my account is still open. I have attempted to call Credit One Bank, but after entering my account number and dialing the "0" prompt to talk with a CSR; the line goes DEAD. I have called many times and I cannot connect with a human being. I now have "annual fee" charges for the month of February, March, and a late fee. I am sure that this failure to close my account is placing negative glitches on my credit report. What am I to do now?

I've been with Credit One Bank since they were known as FNBM. Their customer service has always been difficult to deal with: For one thing, it would be better for their customer service representatives to have a better command of the language of their customer base (I am a linguist who speaks 3 languages, and I have a terrible time understanding Credit One Bank's service dept.; Second, they have a minefield of fees that are networked by a twisted policy that makes even a small balance snowball very quickly into a monster debt. When I tried to make large payments to catch up the balance to bring it down, they extended my credit limit repeatedly, effectively maintaining a crushing interest and penalty rate. Can this company just keep on doing this to their customers? This repertoire of unethical practices usually leads companies like this into the Class Action Lawsuit realm. My advice to others: Stay away from Credit One Bank!

I was try to make a payment online . they have to different options of payment the ( express payment and standard payment ) the express is that your payment go right away and the standard take a little be longer. if pay with the express they charge you $10 dollars so of course i prefer pay standard that they don't charge you nothing .. what they did was they block me the standard account so i can pay only express . but i call theme and they toll me that everything was fine but it wasn't i event try to pay account online with theme on the phone and it didn't work .. plus the representative was giving me attitude, and hang up on me and they didn't call me back :( I definitely don't recommend this bank to nobody I'm so disappointed with theme .. also they charge you a lot of feed ...

This credit one bank company has the worst customer service. This company does not take the time to verify once security information. Lots of fraud transactions go through and they do not verify. They have high fees and are always charging the customer with any type of fee to keep making money off the customer. For customers who have been with them for a long time there is no consideration and they are loyal to their customers. They are just another money making company that make their money by taking advantage of the naive customer.

I have been charged by Credit One Bank, who sends my billing statements each month charges from a company that piggybacks off credit one bank name TLG which has and is presently charging my account $13 a month and I have not heard a word from them -no mail from nothing saying thank you nor any items of any kind, nothing to read have they sent me anything. I have explained this to credit one bank customer service and get the same results mind you I only had a $250 dollar credit limit. Isn't there laws that protect people from these type of theives? Or do they all have to wait for their primere on American Greed.

My fiance & I both have had Credit One cards for about 6ish months. We've usually been on time with our payments with 1 or 2 late payments. When we've had those late payments, we usually pay twice the minimum payment, yet when I check our accounts online, the payment has posted but we're still either very near or over our credit limits (small limits). Then they will call my cell phone from 8am until almost 9pm, some times one call right after another! This morning alone, I was woken up by 4 calls in a row! When I answered they asked for my fiance. I informed them that the number they were calling was NOT his number. Later this afternoon, I noticed I had some more missed calls from a PRIVATE number, my phone automatically rejects unknown/private calls. I switched the setting to allow the calls to see if I would get called again & sure enough, just before 6 I got a phone call from a private number & I answered it. They were looking for my fiance again. To this day I've blocked 4 800 numbers from Credit One. I know our payments are late but I'm a stay at home mom & my fiance lost his job at the end of August & he just started a new job yesterday so it will be at least 2-3 weeks before he gets a decent paycheck & we get all of our bills caught up! I'm going to ask my fiance to just pay off both accounts to close them. Credit One is worse than Conn's when it comes to payment reminder calls! I know my credit is bad but I really REALLY regret getting a card with them!

I'am being chargedd for this netflix.com/cc netflix.com ca
The amount i'm being charged is $ 9.87 every month mind you not once have I signed up for this. As for as movies I do not get my movies from them never have and never will.

Charged my credit card never received product for as long as i've had this card!

Do not open an account with this company they will rip you off. I canceled this card a year ago and just recived a bill for 8.25 annual fee also saying if I don't pay I will receive a 35.00 late fee. My husband and I are in the process of purchansing a new home and do not want this to show up on our credit report and non payment. I reported this company to the better business bureau and suggest you all repot them too. Maybe if a enough complaints are received something can be done. This company is ripping off alot of hard working people. Please go to the better business bureau website and submit a complaint on this company.

My name is Jay Burton. I recently was granted a credit card account with Credit One Bank. My account number is :
[protected] . My phone number is " [protected]", my e-mail address is "[protected]@verizon.net " . My current address is:
" 7427 North Shore Road-- Norfolk, Va. 23505 ". On July 3o, 2010, my minimum balance due was " $25.00 ". I made a " $75.00" payment,
and with the express payment, additional fee of " $9.95 ", which made the total amount of my payment " $84.95 ". I requested that this payment be debited from my " SAVINGS ACCOUNT ", and was given the confirmation number " [protected] ", after confirming twice, the exact amount, and the from my" SAVINGS ACCOUNT ". The next day, I logged on line to the " Creditonebank " website, and did infact have the available credit amount of " $75.00 ". I went out of town a few days. I took my grandson to a fast food resturant, and attempted to charge " $5.35 ", and the employee in drive thru told me my transation was " declined ". I fortunately had enough money in my pocket to pay for my grandson's order. I instantly called "Creditonebank", customer service, and was very rudely told my payment was returned for "NSF", the money was not available in my account.I responded, if attempts were made through my checking, instead of savings, then the funds would have been available.I was told attempt was definitely from my savings account, and I needed to make a payment "ASAP"
I went "CHARTWAY FEDERAL CREDIT UNION", and was told Creditone, did indeed attempt payment from the checking account, and was charged "$29.00" "NSF".I was also charged "$35.00 late fee", and "$35.00" returned payment fee, from Creditonebank, who refused after 50 minute phone call, and being transfered 6 times.They apologized, and understood, and would deduct the late fee, not the $35.00 returned fee, nor the $29.00 "NSF" CHARTWAY FEDERAL CREDIT UNION, charged my account. I did offer to fax my bank statement to verify the
funds were indeed available in my "SAVINGS ACCONT", on August 2nd, 2010 when the attempt to withdraw funds.

Thank you,
Jay C. Burton