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Credit One Bank Reviews 1767

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12:00 am EDT

Credit One Bank Avoid Credit One Bank at All Costs

After analyzing multiple reviews from different platforms, it's evident that Credit One Bank has left many customers dissatisfied. The recurring complaints highlight issues such as high annual fees, exorbitant interest rates, and poor customer service. Customers have expressed frustration with hidden fees, difficulties in canceling accounts, and questionable billing practices. It's clear that Credit One Bank's business practices may not align with the best interests of consumers. Considering the negative experiences shared by numerous customers, it's advisable to explore alternative banking options that prioritize transparency and customer satisfaction.

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5:21 am EDT
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Credit One Bank I have a credit one bank card and they helped me regain my credit score!

I have a credit one bank card and they helped me regain my credit score! I will tell you they get the problem solved real fast! And they are very understanding.

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TalentTwit
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They are horrible always paid my bills on time and they closed my account. I would not open any accounts with them. The CS people are rude as well.

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Materm
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Had a card with them for 2 yrs. They offered me another card with better interest. When I tried to activate it they wanted the entire card number with my personal info. No reason they needed all that info. I understand last 4 socail and card number. I looked and saw a qt scan on the letter so did that. Said activated. Left for vacation card didnt work. Got home they had froze both my cards and wanted to send in a kist of things to prove my identity. Wasnt worth it. No reason over the phone they should have been asking for personal info in its intirety. They have the info infront of them. I should have only had to verify certain info. So told them to remove the fee and cancel the card since it was immediately froze and never fully activated or used. As soon as i pay off the remainder of my other card I am cancelling that as well. With fraud and theft these days why would i just be giving out all my personal info over the phone. Entire name, entire social, entire adress, birthdate and card number. Not happening. So now i have to wait to make sure they closed the account, not charge me and they will probably report it to my credit as closed even though it was never actually activated.

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LimeCheerup
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Agents simply don't care. Very bad service and the card gets stuck and they are lost. Interest rates are much higher than others. AVOID Credit One Bank.

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Sunbiddik
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Bad customer service! The customer service rep refused to assist me.

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2:24 am EDT
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Credit One Bank Excellent card to help people with no credit or bad credit build or rebuild your credit

Excellent card to help people with no credit or bad credit build or rebuild your credit. As long as you keep paying on time. after 6 months they constantly give you a high credit increase. This credit helped me to buy my own single family home. I will refer this card to anyone Sabrina Huff

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M. Dudek
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Scam! I cancelled my account after i paid off my card last year. My card was also expired. I never used it again because as soon as you open an account with them you are charged a high interest. And annual fee, so i paid them off last year as quickly as i could. I never opened a new card with them and was still charged a 24.99 annual fee without even opening a new card last year or this year, scam. Don't get an account with this credit one bank card!

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Triuneck
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Got a $500 secured credit card. Card worked fine for about a week or two then stopped working. Called 10 times over a week tried everything they said to do. They stalled me for a week saying to wait overnight and try again. Reps were rude, unhelpful, hung up on me. Supervisor was the same way. Whats worse than buying $150 worth of groceries and having your card decline and having to put it all back? Doing it again the next day cause the credit card company told you they fixed it. Also they don't return deposits on secured credit cards even if you pay the balance. I've never any fraud activity on any of my accounts in my life. Just some background info. I've made all my payments on time and my credit will still be damaged because I chose to use this company. I'm trying OpenSky next. I'm not sure they will be better but you can skip this bank.

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Opened this account in 2018 when I was trying to rebuild my credit. I wish I stuck to my plan of canceling the card once I got to my ideal credit rating. Because not my credit rating is going down hill because of them. They closed my account, mind you I never was late since having the card for 3.5 years. One payment returned and they closed my account. Once account was closed they called me every hour of the day for a month. Finally answered and asked them why are they reporting my account late and also have a minimum payment due per month! That is ridiculous and illegal. And they kept reporting it 30 days late multiple times a month! When I was on the phone with them they were trying to get me to make a payment. I asked if this account was closed they said no, then she transferred me and said if I pay the minimum payment they will reinstate my account I said no. They are very deceiving. When the accounts closed I paid 300 per account and they keep racking up fees and past due balance due. Please read this review and not sign up for this company they will ruin your credit. Go with

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TreasureWar
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i have had this card for 2 years. I have never missed or been late with a payment. I started to notice these little charges on my statements so I called. They charge a "monthly membership fee" in addition to an annual fee even if you do not have a balance. How can this be legal? I have never hear of such a thing. I called to cancel my card and they offered to waive this fee for 6 months but not permanently? I feel like I will be back because cancelling the card process was almost just as bad as giving birth.

  1. Pros
    1. Diverse credit card options
    2. Customizable rewards programs
    3. Free credit score tracking
    4. Flexible payment dates
    5. Nationwide ATM access
  1. Cons
    1. High fees relative to competitors
    2. Limited credit card rewards programs
    3. Customer service complaints common
    4. Predatory lending practices alleged
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Credit One Bank This is a great credit card, they gave me a chance and gave me credit even though my credit rating wasn't the best

This is a great credit card, they gave me a chance and gave me credit even though my credit rating wasn't the best. Just make sure you are setting up auto pay and paying your minimum payment until auto pay gets properly implemented with Credit One... They truly are good credit card company for those of us who really need them.

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Credit One Bank I called this company for assistance during the pandemic I was told they could not help me

I called this company for assistance during the pandemic I was told they could not help me. They couldn't even lower the monthly payment or reduce interest rate. I have been a loyal customer for years pay on time every month and still they would not assist me. I thought during the covid pandemic companies were supposed to work with you. They refused.

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Credit One Bank I received my credit card a week ago

I received my credit card a week ago. I noticed a $75 charge to my account immediately, so I called the automated customer service number. I did not punch in any numbers, stayed on the line and in less than a minute I was talking to a rep. Credit one bills their annual fee up front. No problem. You should check your credit card balance at least once a week, regardless if you use it. BE PROACTIVE! I look forwards to doing more business with them in the future.

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Credit One Bank This company is a fraudulent business they will take money out your account without authorization from there customer

This company is a fraudulent business they will take money out your account without authorization from there customer also they will lie hit your credit score very hard I spoke with 7 Reps Manager Supervisor as well to remove fees they are not a good company to build your credit with also they are not very professional or customer service friendly at don't not I repeat don't get a credit card with this company I would never send anyone to there company to build credit they Scamming & Fraudulent as well

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Credit One Bank I felt uncomfortable applying but I thought I would try

I felt uncomfortable applying but I thought I would try. I pay my bill through my bank because I’ve attempted to many times to pay through them also by calling and unable to talk to anyone and then they charge me a late fee and destroy my credit. The system and service is destructive setting people up for failure. I pay the minimum because I don’t trust this company. I will pay them off and close my account. They stressed me out so badly am I will never refer my worse enemy and I don’t even have any. Degrading

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Credit One Bank Wow I don't know how to express how much this company has impacted my life!

Wow I don't know how to express how much this company has impacted my life! My husband and I have had several accounts with Credit One since 2018 and we have been extremely happy customers. We have both been able to transform our credit from poor to excellent and build our credit profiles. We are even now building a new home for our family, something I would never had imagined I would ever be able to do 5 years ago! The employees at credit one are extremely enjoyable to deal with, this is the one of the few banks that seems to be looking to improve our personal lives instead of their p&l. If you're looking to build your credit or have an established portfolio, I recommend having an account with Credit One! Thank you for all you do for us and I look forward to continuing our relationship!

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Credit One Bank I had to update my address after getting a new number that was not on file with Credit One, the gentleman that helped

I had to update my address after getting a new number that was not on file with Credit One, the gentleman that helped me was very fast and professional. He allowed me to identify my account (because I had previously lost my card) using my social security number, and then verify my identity with my personal email address on file as I have a new number, when going through a similar process with Capital One my account was locked due to suspected fraud and because my i.d. wouldn't scan (they never gave me an option to use my social security number) I have to wait 7-10 days for a department that is impossible to contact directly to call me, it has been more than 10 days and Capital One has not called me, and my account is still locked. I thought Credit One would have been a "knockoff" of Capital One, but they are much easier to work with.

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Credit One Bank I know afinancial-tech expert who can help you repair your credit and clear your derogatory reports, I want to thank

I know afinancial-tech expert who can help you repair your credit and clear your derogatory reports, I want to thank Elitecreditandinvestment at GmaiL dot Com for helping me with my credit profile, You can get in touch with him and tell him I referred You, I did not have a good credit profile, I used to have a 540 score on TransUnion and no credit on Equifax, I had negative profile on the 3 bureaus, I needed to get a loan to start my business, I could not get a good loan because of my bad credit profile. God was so good to me, I later met with a credit bureau specialist and instructor, who created a credit profile for me with no negative blemishs, added good tradelines, and now my business is booming because of him, he increased my credit by over 250 points. Now I'm scoring 790 all thanks to the expertise from Elite Credit *** write directly to thegmail addr to get relative credit assistance. I bet you it was worthwhile for me

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Credit One Bank Hurricane ***, ******* *******, and the right thing to do

Hurricane ***, ***, and the right thing to do. I have a Credit One Amex *** and *** Credit Card *** which were paid for October. Due to an emergency, I was forced to use my Amex on 10/18/2022 for my son's glasses, "I could have used a $500 increase", but that isn't what this review is about. I checked my mail and found a letter from Credit One Bank. I was amazed beyond belief, when the letter absolves payments for October (defers) to those of us affected by Hurricane ***. In my opinion, "Credit One is setting the single example for the industry". Although I don't have issues paying my bill, "some people around us were hit hard by the storm". Some lost everything. Credit cards are not bank accounts and should only be used for emergencies, "but a bank that puts personal understanding above profit, "will always get my business". I just wanted to mention this outstanding gesture and tell others about the selfless act from a nation Banking Institution. How Selfless and understanding.

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Credit One Bank My wife and I have credit one cards and they have been nothing short of wonderful to us I actually got a higher credit

My wife and I have credit one cards and they have been nothing short of wonderful to us I actually got a higher credit limit than she did but non the less we have their app and making payments are easy and yes they charge $4.95 if you want your available credit instantly or you can use your saved bank account but the instant way is much better. I have read some bad reviews on this company but thankfully we have nothing bad to say about them. My wife unfortunately bought something from what we later found out was a scam and we called credit one about it. Wasn't long they returned her full purchase amount back to her credit card. With the wonderful way they have treated us, I would refer them to a friend. By the way when you first apply and if your approved you will have a little wait time and yes they do charge an annual fee which they will take off your credit before you receive it but to me it's better than having to pay it later because since they do this once your card arrives you can activate it and start using it right away.

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Credit One Bank I want to give credit one five stars because of an employee that helped me with my account

I want to give credit one five stars because of an employee that helped me with my account. Her name is BRY she is the customer service representative supervisor that I requested to be transferred to. She went above and beyond to make my whole year. I recently lost my job and am in a huge hardship, currently looking for a job trying to get current on all of my cards and get them up to good standings. I was over my credit limit on my card she was able to wave two late fees and also give me a $10 credit to where I am no longer over my limit I actually have $5 available. BRY, you have no idea how happy you just made me, you made my entire year! This world needs more people like BRY. She was super empathetic and genuine towards me she has been in my shoes before so she really related to what I'm going through. Credit One, you have an amazing employee/supervisor on your hands. Thank you so much BRY :) :) I was waiting to get transferred over to rate my experience once I got off the phone with her but it got disconnected so here I am showing my appreciation on here. :)

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Credit One Bank Don't bother trying to call

If you call their "customer service" phone number you will get connected with a pool of people who speak the English language VERY poorly, if at all. They introduce themselves with American-sounding names but I think they are all in India. They will not connect you to someone who can speak clearly, but they will run you around their office, to more incomprehensible people, until you are ready to reach through the phone and strangle someone. YOU WILL RECEIVE ABSOLUTELY NO HELP BY CALLING THEIR HELP NUMBER. You have been warned.

Recommendation: Take your business elsewhere.

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Credit One Bank Impressive!

For a credit card app, the Credit One card management app is very impressive! I love that the user interface is so modern, uncluttered and easy to use. Everything you need to know is on the home screen. First time setup for credit card payment is a breeze, easily allowing you to enter your payment account information. Setting up the auto-pay feature is very easy to do as well (which I highly recommend so you don’t forget to make payments on time!). Overall, the entire user interface is very nice looking, which is a welcome feature considering other credit card management apps are so archaic, clumsy, disorganized and just plain hard setup and use. The app will allow you to setup first time online account access, I believe, judging from the choices it offers you when you first launch the app. I set up my online account on the web when I first received my credit card in order to actually activate the card itself, which I think is genius! You’re REQUIRED to set up online account access to ACTIVATE your credit card, which adds SECURITY and peace of mind! Most credit cards ask you to just call a toll free number and verify some information which can be obtained by identity thieves. If your card is stolen from your mailbox, this can be a risk. However, Credit One makes it much more difficult to even activate the card without online account access, which is protected by 2 factor authorization to begin with. I hope this detailed review helps! I’m NOT an EMPLOYEE of Credit One and I’m NOT RECEIVING COMPENSATION or INCENTIVES by Credit One. This review is voluntary and written to help anyone needing more information about the Card management app. Thank you.

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Credit One Bank Finally got help

Just a lil bit ago I left a one star review because couldn’t login no matter how many times I reset password got one time codes etc etc … and there is no option to speak to a live person on automated phone system that also doesnt have options to help with login issues .I Went onto Facebook as a sort of last resort and found a lot of people having same issues . Under one persons comment another person gave a solution that worked for me . After entering your info during the automated phone call , don’t select any of the worthless options for this issue . Just keep hitting zero ( zero isn’t an option from recording) and eventually a live agent gets on the call . She was able to tell me my account got locked out for 24-48 hrs & I should be able to login or reset my password again after that time period . She also was able to schedule my payment , my original reason for trying to login to my account . I gave three stars ( which I feel is generous considering ) cause there was no explanation that my account was frozen for 24-48 hrs on the app ( or on the website where I could not login either) which seems fairly important information for a account holder to have . And I needed to find a work around from a Facebook commenter to get a live person on the phone , not from credit one themselves …. So yeah 3 stars is very generous imo . This is the first time this has happened to me after having used the app for quite awhile ( recent new account and one from years back I also used the app for)…. So I’m hopeful this is a new glitch that they’ll have it worked out soon … I mean when a company is online with no real live contact they need to make your account accessible online no matter what !

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Credit One Bank Payments take too long to update

Edit: Chat feature does not work, and there are no options to speak to a human. If you call the automated system and just keep pressing 0 eventually you will get a human. I have a hotel credit card hold that is three weeks old; I have spoken to the hotel general manager and he assures me everything is correct on his end and that the hold should have been relegated weeks ago. Credit One phone support has not been able to take the pending charge off my card, and they hung up on me and never called back.

I got a wander card about a month ago because I travel a lot for work and needed a good reward points card. My plan was to use the card for all of my travel and just pay off for the card every week or so, but I have a big complaint. Payments take a solid week to reflect on your statement through the app, and unfortunately it seems you can only make 4 payments in a pay period before they won’t allow you to make any more payments. When I check the “recent payments” section on the app, no payments are reflected, and I made my first (of 4) payments 17 days ago. Now, because of multiple business trips, my card is nearly maxed out and I am unable to make a payment because the app won’t allow me to. I literally have to cash to pay off my card fully and don’t purchase anything on the card that I can’t pay cash for, but now I’m guessing I’ll be charged interest on charges that I would otherwise have already paid off. So this means not only will I be charged interest despite the fact that I want to pay my card off, but I can’t make any additional charges for hotels and such which would earn me more reward points. The app does not indicate when I am able to make another payment. Extremely frustrating.

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Credit One Bank No good

For all the 4 and 5 star reviews.. first of all, this company accepts you when no one else does for a reason, they know exactly what they are doing.. hence why customer service is a pain and you pay fees for EVERYTHING. But, only the developers read this app so let me stay on track.. bank account verification is necessary, blah blah blah.. but who knew that god forbid you decide you want to start making payments with another bank account (but still have the old one on hand) you can’t use the old one until the new one has been verified. So then that forces you to have to pay by debit card which… drumroll please! Costs a whopping 8 bucks… they know exactly what they are doing, they want nothing but your money and will create all sorts of roadblocks to force you to give it to them.. now would that payment with my old bank account have worked had I went to the website rather than the app? I will never know, because I needed to reset my password and that wouldn’t work either.. kept getting a server error message.. & stupidly enough, the only way you can change your password in the app is by providing your old password, as if a social security # and all the credit card info isn’t enough.. um hello, most of us use Face ID and passcodes to get into our apps, we don’t all have our passwords on hand.. things have been tough but next month I’m paying off my balance and never looking back, save yourself and get a secured credit card if you want to raise your credit score, you will only end up paying more in the long run.. especially with the annual fee and high interest. If you have extra money and just need a higher score, knock yourself out then, b/c you can obviously afford a credit one card ‍♀️

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Credit One Bank Customer Service Nightmare

I attempted to purchase new tires prior to a car trip. The app stated that my previous payment would post and funds would be available on the date I had scheduled for the new tires. Nope. That info was incorrect, so my card was declined. I called their “customer service” phone number. The automated system said that the funds would be available on a different date now.

Fast forward to my trip and checking into the hotel. I attempted to pay with my Credit One card, since I was told the declined tire charge would fall off. It was declined again , so I had to use another card to pay for the hotel. I called the “customer service” number again and manage to reach a human who is not in my country. They could not help me, so I asked to talk to a supervisor. I’m told they don’t have supervision, yet this person can’t help me. The human assured me the declined charges would now fall off at a later date. Thankfully, I had other cards available to cover me.

Fast forward to the new date that all the declined charges would fall off. I call again and manage to get a human again. Of course they couldn’t help me either, so I refused to hang up until I was transferred to someone who can actually help me. Somehow, this time, a supervisor was magically available. They assured me that the declined charges were set to fall off 3 days from then — we’ll see how that goes, but I refuse to use this card again.

I did attempt to use their chatbot on the app, and it too is useless. You can’t actually chat with anyone. It only gives options, and the options are limited, so you have to call. The “customer service” is truly awful. There are companies out there that don’t seem like being stuck in an awful relationship.
Do yourself a favor, and know there are other fish in the sea!

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Credit One Bank Complaints 427

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Credit One Bank Credit Card Reimbursement Missing

On July 13th, I filed a dispute for $90 against this app called Blitz. I'd downloaded it to play games for money, but it turned out to be totally misleading with false advertising. So, on August 6th, they refunded me $5, but denied the other $85. I wasn't happy with that, so I asked Credit One to resubmit the dispute. This time, I even provided proof that Blitz has a huge pending lawsuit against them for the exact same reasons I'm disputing my charges. Credit One rep told me I'd get another provisional credit while they looked into it again. It's been weeks, and I still haven't seen a dime of that credit they promised. I've tried calling them, but I just get the runaround. It's like they're hoping I'll just give up and go away. But I'm not backing down. I want that provisional credit they promised me, and I want some answers about why this is taking so long.

Claimed loss: 90.00

Desired outcome: Refund my $90 and also my late fee of $29.00 for inconvenience

Confidential Information Hidden: This section contains confidential information visible to verified Credit One Bank representatives only. If you are affiliated with Credit One Bank, please claim your business to access these details.

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Credit One Bank Spoke to 3 representatives on 2-14-21 and was told my account was suspended

Spoke to 3 Representatives on 2-14-21 and was told my account was suspended. Just got off the phone w/*** who said my account was closed on 2-10-21. I had been having logging on to my account via the App and website. So I called on 2-14-21, I was told my account had been suspended due to an "unauthorized transaction" from Wells Fargo a.k.a. *** - I didn't understand how I was not given a call, email, or just anything in regards to my actual account being suspended. 1st Rep was Jessie ID was pleasant) it was him who enlightened me to this event that took place. Stated that they ran the charge on 2-6-21 and it came back as an unauthorized charge on 2-9-21, which is when they suspended the account. I mentioned that I was not made aware of this happening, no one called, nothing in the mail or email. How do you guys alert your customers? Because if I didn't call I would have no idea. He or one of the other representatives; Abraham ID #XXXXX or Stella ID #XXXXX, told me that it takes 5 to 7 or 7 to 10 business days for the letter to reach me. I then asked so why am I not, as the customer, given at least that much time to receive, be able to read and follow up before all this happens? All of them stated that it is the company's policy. So towards the end of this hopeless call, my main question was ok fine - can I, without reopening the account (since I was repeatedly told by every last one of them it is not a guarantee that your account will be taken out of suspension) call in and make payments with my debit card, Jessie and Abraham BOTH told me yes you can call them in. While speaking with Stella, I asked the same question and was told basically that's a no because the account is coming back as unauthorized - she basically didn't understand my question nor was Abraham, which is why I was transferred to her also because he was rude. I decided to slowly ask again, NOT using the account involved w/the alleged unauthorized transaction, will I be able to call in the payment using my debit card? She danced around it, kept talking about the unauthorized transaction - At that point, I was losing it and she finally said yes you can call it in but your account can still be closed at any point - So I asked the fact that I'm asking and obviously trying to set up some kind of payment arrangement in order not to get a charge off on my credit - in the midst of all this I can still hang up right now and wake up in the morning my account could still be closed after this conversation? She said yes. So I asked how is that a policy? You suspends someone's account - no notification! But not to worry a letter should reach the customer in 5 to 10 business days-after it has already been suspended. On top of that, at any point after that day of suspension, your account can be closed as well. How is that a policy? There's nothing told to the customer, by the time they would even receive the letter (WHICH I STILL HAVEN'T on 2-17-21) there is a POLICY that you guys can just close the account. Stella gave me the email: ***@creditone.com & Fax #XXX-XXX-XXXX and said that I can send the Bank Verification letter to any one of those. Now tonight on [protected] days later) after speaking with *** they stated that they don't see any unauthorized transactions, charges or basically nothing in regards to CreditOne on my account. That prompted me to call CreditOne in order to receive some type documentation in order to provide to *** in order to sort this whole thing out. After verifying my information, I explained that I need some type of documentation to present to *** because they are not seeing in regards to CreditOne - the young man said this account is closed. I won't lie, I was livid! I asked what do you mean closed? I just talk to someone about making payments and now my account is closed? He said yes. I said I need to talk to someone because I just spoke to them 3 days ago and now it's closed?! He was sympathetic and transferred me to *** #*** (notice the difference in ID #'s) she said your Account was closed on 2-10-21. I never had a chance because it was already closed.

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Hunterac
Mar 22, 2024 9:09 pm EDT
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I tried making an online payment to my Credit One credit card using the routing number and account number associated with my Paypal prepaid debit card. It got rejected. Next I tried using the Paypal prepaid debit card numbers itself and that worked. I paid off the credit card balance in FULL which was $380+. The following week, I tried using the credit card and it got denied. I found out there was a block on my card. Even though I paid off the credit card in FULL, the company put a block on it because the previous paymment prior to the $380+ didn't go through and Credit One needed to verify my identity. I uploaded NUMEROUS documents to their website to confirm my identity, I called them NUMEROUS times verifying my identity wirh a live person BEFORE discussing account information, and I paid off the credit card in FULL. I explained to them NUMEROUS times that I didn't know until after trying to submit payment via routing and account number that those numbers are for direct deposit only and not for transfers and making payments. Like I said, this was a new account and this was the first time I tried using it. Like I said, I paid off the credit card in FULL. After paying off the credit card IN FULL, Credit One closed the account completely thus dropping my credit score over 60 points which is HUGE. I've worked VERY hard at trying to build up my score and I ALWAYS paid the COMPLETE BALANCE on the card EVERY TIME ON TIME. I paid the complete balance and not just the minimum payment due. Their actions has sent my credit rating into the poor category when I've done EVERYTHING I'm supposed to do as a customer. Like I said, I did NOT know that I can't use the routing and account number for making payments.

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HeadJame
Mar 22, 2024 9:04 pm EDT
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I opened two credit card accounts with Credit One Bank and was able to make payments just fine and without any restrictions. Four weeks ago I attempted to make payments on my credit cards in their app. It then said I needed to verify my bank account to make the payment. I followed the steps and waited to see the two small deposits in my bank account and finish their verification process. It said 3-5 business days. The deposits did not come. After Day seven I called credit one bank to get assistance. The representative barely spoke English and we had difficulty communicating. I kept explaining the issue and she would place me on hold then come back on the call and say I need to wait 3-5 businnes days for the two amounts to be deposited. During the course of our call this happed about three times. I was also told to check with the bank I am trying to make a payment from. After seeing this conversation was going no where, and being told I need to wait 3-5 business days for the depositis to happen again and again. I waited another week and still no deposits were made. I even contacted the bank I was attempting to make payments to Credit One Bank from and they came up with no deposits and stated it has to be something on Credit One Bank's end. In essence I can not make any payments to my credit cards and that reflects negative on my credit score. Which was the whole reason I got these cards. To build my credit, not damage it.

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Heralderti
Mar 21, 2024 9:01 am EDT
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My initial issues started when they closed my accounts months ago due to "second returned" payments. I explained to them that I was in between jobs and I wanted to try and make my payments although they did not go through. I was YELLED at by customer service telling me "why would you try to pay for something you dont have the money for" and told me it was better to leave my accounts unpaid than to have returned payments. They sent no correspondence to me whatsoever about the fact that they were going to close my account. I asked for a supervisor on multiple occasions and no one ever pushed me through to someone. It was a constant battle and here I am getting yelled at by rude agents when its my credit on the line. They sent my a letter of closure AFTER my complaint phone calls with them. After closing my accounts, they still were reporting late payments incorrectly in violation of the *** Now the newer card was listed as charge off and the older account is still in house. They have no tried to contact me since the last phonecall I initiated. They have lied to my face, given false information about my accounts and now I am beyond upset. I tried to fix my accounts before all this happened and again they did not care to try and work with me at all. No communication. And again, false information to the credit bureaus and to me.

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4:24 am EDT
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Credit One Bank This is what I found out since august 2022

This is what I found out since august 2022. I had no idea they were doing this until I saw where I miss payments. I know I did not miss anything. So what they were doing, because I have to credit cards from them and I have to pay them separately (they told me where I asked) so I would pay them with two different money orders, with each credit card number. They then would cash the money orders apply the money to one credit card and charge me a late fee, ($30.00) plus the * for not paying my * that month. I spoke to them about it. They said they did not get a payment for that month. I call the money order company and guess what... They cashed it. When I confronted them about it they said I was putting the same account number on the money orders so they added the money to that count... That was not true and I proved it. I have downloaded that money order to you. Then they tried to do it 2 or 3 more times! With to more of mine. I caught them at it. Isn't this illegal? I told them even though they adjusted it I was going to go to bbb about this kind of *ing. I have not had a chance to go all the way back to their *ing to see how many times they have done this! I did get a * they said I signed up for paper list *ing.. No I didn't unless I don't remember. I never do that, for anything! When they are taking $8.+ plus $8.+ dollars on my * they call it the annual fee the $8.+. They have corrected this matter because I caught them. I have downloaded one of the money orders they claim I put the same account number on and this is not the * time they did this. I am going all the way back to when I first sighed on with them and check. When I didn't get a * I informed them that I was going to send a payment anyway and I would try to judge the correct payment because I didn't get a *. They said nothing, so I did, I have never been late or missed a payment! Is this how a credit card company is supposed to conduct business? Please check up on them. — 11/1/22 consumer filed another complaint:
August 2022, sept 2022, oct 2022 there are probable more but I haven't got to the back *ing I am complaining about
*desired resolution:
Explanation of charges — 11/8/22 consumer filed another complaint:
I am complaining because I filed a complaint in regards to this bank before and I have not heard a word regarding the company. I have sent you documents and everything and they claim they have fixed the problem and they have not done anything. I they are messing around with my account and money. I proved to them that they cashed the money order I sent you. Now please do something about this.
*desired resolution:
Compensation! Check credit report!; billing adjustment — 12/10/22 consumer filed another complaint:
Nov thr dec. I have filed a complaint several times against this company. I don't know if you still have it. There is something wrong with these people and they should be invested, along with the thousands of compliant about them why haven't they been? I was paying on time and not having problems with myself. Then all of a sudden they decide to put my payment on the wrong account and then give me late fees. The late fees were unjust and then credited, but they should not have been there anyway. I have already sent you the money order receipts and a copy of their bill. They were supposed to put the $25.00 back into my account that it was supposed to go to. They took that money order and put it on the wrong account and then charged me a late fee. I called their attention to it, proved it and they have still have not done that, it been a month and every time I call on this matter they act like they never heard this complaint before, and they are going to fix it right now. I have heard that 5 times in the last month and it hasn't been changed yet. Still a late fee and a * payment due with a comment that it is late. It is not late, payment is not due till 12/21/2022. When my $25.00 payment is adjusted to the right account it will be on time and I have just sent that dec. Payment today. Of $35.00. They are trying to hold on so they can charge another late fee, stating that it takes 7 to 10 days to adjust, well they have been fixing the problem the whole 5 times they have told me they will fix it right then, for the whole month. I have tried to cooperate with them and I didn't do this. They have lied and played games and the only thing has done is add more fees I can't take it anymore. I am not well this is been a hardship for me. I have sent I have told them that! I have sent you the prove once if you need it again please let me know. I will sign anything that you need to investigate. Tried to cooperate but it's not doing any good. Also, my other account ends in 9866.
*desired resolution:
Explanation of c

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Kurisushoo
Mar 21, 2024 4:59 pm EDT
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Credit one has been double dipping our credit card for express payment fees for over a year. Tried to get a resolution with a supervisor and floor manager and when I mentioned the double dipping and it being illegal based on bank financing laws they hung up and started manipulating my online statement.

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JournalTabloid
Mar 21, 2024 9:19 am EDT
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I have a credit one card with a $3000 limit that has been the worse to deal with. I had several emergencies the weekend of 4/19 where I had to use my card multiple times. On 4/20, the card was declined 5 times! One charge was for $42.95 and the other was at the freaking grocery store for $21! This makes absolutely no sense! I received alerts asking if I was the one using the card, I typed "Yes." I received another text that said I may now use the card. I attempted to use the card and again it was declined. Not only is that frustrating but it is so embarassing. To the point where the manager at the grocery store said they would pay for my groceries...can you understand the embarassment? I spoke to 3 reps and 1 manager and all 4 individuals were beyond useless. They stated the freeze was removed but of course when I tried to use my card, AGAIN IT WAS DECLINED! Then when this manager *** or whatever his name was that came on the phone, he suggested I use another card or wait 24 - 48 hours before using the card again. ARE YOU FREAKING SERIOUS? How can you tell me how to spend my money? And to tell me to wait 24 - 48 hours? If it was life / death, I would've been dead! I understand this is to secure me but seriously, 5 declines in 2 hours after I told you I was the one using the card? How does that help me? Then to make matters worse I have security questions on my account. Do you know not 1 rep nor "manager" asked me to verify these questions? Instead I am having to give all personal information in order for things to be verified. What if someone is listening? Will credit one look after me? Will credit one send security out for me for their stupidity? Why in the heck do you provide a credit card that can't be used? How ignorant and stupid can credit one be? But I guarantee if I declined making a payment the same way credit one declined my purchases they would find a way to tarnish my credit. IDIOTS!

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K. Walley
Mar 20, 2024 2:41 am EDT
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So on April 20th I paid my bill and I paid $320 and I also spent $5 to make it express so that way I can have available credit for the same day now I spent a lot of money that day and I kept getting *** so I kept saying yes I authorized it yes I authorized it so then I get more authorization inquiries on my text and I said yes once again so that they end up blocking my account and telling me to send it in the verification documents which I did three days ago but mind you I spent all my money on the credit card bill so they left me with nothing and then they say it could take up to 10 business days for them to verify documents that's ridiculous and either I need my money back or I need some type of resolution as soon as possible because that's ridiculous and that's not even throwing the fact that I requested a PIN number almost a month ago I still have not received it this is the worst credit card company ever

Is Credit One Bank Legit?

Credit One Bank earns a trustworthiness rating of 91%

Highly recommended, but caution will not hurt.

Our conclusion: After a detailed review, ComplaintsBoard finds Credit One Bank to be a trustworthy company. Although there's a 14% resolution rate for customer complaints, which deserves attention, Credit One Bank is known for their high standards and safety. If you're thinking about dealing with Credit One Bank, it's wise to check how they handle complaints.

We found clear and detailed contact information for Credit One Bank. The company provides a physical address, 7 phone numbers, and 2 emails, as well as 5 social media accounts. This demonstrates a commitment to customer service and transparency, which is a positive sign for building trust with customers.

Credit One Bank has received 20 positive reviews on our site. This is a good sign and indicates a safe and reliable experience for customers who choose to work with the company.

Credit One Bank has registered the domain name for creditonebank.com for more than one year, which may indicate stability and longevity.

Creditonebank.com has a valid SSL certificate, which indicates that the website is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm that the website is using SSL.

Creditonebank.com you are considering visiting, which is associated with Credit One Bank, is very old. Longevity often suggests that a website has consistently provided valuable content, products, or services over the years and has maintained a stable user base and a sustained online presence. This could be an indication of a very positive reputation.

The domain associated with Credit One Bank is registered with a high-end registrar, which can be an indicator of the company's commitment to maintaining a secure and reputable online presence.

Credit One Bank website is deemed to be popular and indicating that it receives a high volume of traffic. It is important to be cautious when using a highly trafficked website, as it may be a target for cybercriminals looking to exploit vulnerabilities or steal personal information.

However ComplaintsBoard has detected that:

  • While Credit One Bank has a high level of trust, our investigation has revealed that the company's complaint resolution process is inadequate and ineffective. As a result, only 14% of 427 complaints are resolved. The support team may have poor customer service skills, lack of training, or not be well-equipped to handle customer complaints.
  • There was some difficulty in evaluating or examining the information or data present on the creditonebank.com. This could be due to technical issues, limited access, or website may be temporarily down for maintenance or experiencing technical difficulties.
  • We conducted a search on social media and found several negative reviews related to Credit One Bank. These reviews may indicate issues with the company's products, services, or customer support. It is important to thoroughly research the company and its offerings before making any purchases to avoid any potential risks.
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9:32 am EST
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Credit One Bank Phantom Charge not on transaction list

They randomly charged my account $16 that is not on my transaction history and this put me over my credit limit of $500. I went from positive $1.87 to negative $515.04. My payment was already made for the month and didn't use my card for 2 weeks an suddenly I get a notification Im negative. I can't find the charge on my transaction history and there's no subscriptions or anything. I only use the card for gas. I try to call every number possible. ALL PHONE NUMBERS ARE DISCONNECTED AN CAN'T REACH ANYONE!

Claimed loss: $30

Desired outcome: Remove the phantom charge. Fix the credit report that dropped my score 12 points over this. Cancel my account and card. Not doing business with shady credit card companys

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3:10 pm EST

Credit One Bank Account sent to collections illegally placed lein

We had an account with Credit one in 2002 that was part of a bankruptcy in 2004. In WI law after 10 years credit card

Debts are uncollectable, but they illegally placed the debt with a collector put a lien on our home without notification and more even though it had been over 10 years, no court notices, nothing. Now they want 1200 when original was less than 400. Filed a complaint with state of WI financial affairs and they wrote them. The company wrote back a bunch of false lies and the debts not been removed.

Claimed loss: $1200

Desired outcome: Removed from credit bureau and letter stating its resolved.

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12:08 am EST
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Credit One Bank Customer service, email, fax, telephone numbers

Complaint Board, you say this company has 91% trustworthiness. Who calculated those numbers, my 2nd grader? Oh, please! They do not have 7 #s available and 2 email addresses! I have been trying to get contact info to send in my husband's military orders so they can comply with SCRA. They don't want to be reached. Just like another person complained about... they don't want any paper trails. It is now 2024. What companies don't have readily available email addresses, fax numbers... ect, ect. Saying they suck would be giving them to much credit.

Desired outcome: I just want a fax number for the company and/or email address. Simple

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4:03 pm EST

Credit One Bank Fraud department

Someone stole my credit card information to sign up for a gym membership, total of $259.00, I filed a dispute and after 3 days and got an email stating that the investigation did not fall on my favor, what kind of investigation takes 3 days. I been calling the bank because my card is over the limit because they charge back the temporally credit, but there is no one that will take my call serious, they hang up the phone on me, they keep transferring me to someone else, I spend hours trying to solve this and no one will help me, my credit will get ruined.

Claimed loss: $259.00 and my credit damaged

Desired outcome: I need someone from the bank to call me back, [protected] and fix this right away.

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12:51 am EST
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Today I received an email stating that my account was closed because of two returned payments. First off my monthly payment wasnt due yet. I always pay early and I pay more than what is actually due. One of the payments was for $25.00 coming from my bank account. The funds were in my bank account to cover the cost, even though my due date was more than...

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Most consumers are unaware that credit card companies offer Purchase Protection. It protects the customer from theft, fraud, damage, and loss of a purchase for up to 90 days after a purchase with a credit card. Since I worked for a major credit card company (a long time ago), I had some knowledge of it. However, each credit card company has their own...

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2:50 pm EST
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Credit One Bank contact info doesn't exist

I have tried numerous times for over a month to call your customer service number on the back of my card and other numbers listed on your website, all with the same result...a busy signal. There is no email address listed on your website or on the card or on your billing statements. How does your customer actually reach you for any reason, including to report a lost or stolen card?

today's date after numerous attempts again is Dec. 4, 2023.

Desired outcome: a new phone number contact and/or an email address to be listed on your website and eventually on your credit card.

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2:15 pm EST
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Credit One Bank Phone lines are always busy

I have tried all day to get a customer service rep and have dialed every number on their website and have gotten a busy signal every time. So far, I have tried 35 calls and every time I get a busy signal. I have a credit card account and want to cancel it, but no one helps me, and you CANNOT cancel it online, have to call or use snail mail. Terrible customer service!

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5:39 pm EDT
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Credit One Bank Charges with the credit card activation

I've got a credit one bank credit card and they charges me $75 dollars that I have never used the card and now my bill is $105 dollars that I have never used the card. I did call the costumer service number that on the website but you cany talk to a person. I don't know what to do because it ruin my credit score because I was delayed on payments that I have never use the money

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3:32 pm EDT
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On 10/24/2023, I activated my Credit One credit card over the phone, using the phone number on the sticker of the card (1.800.797.6534). I went through the process and was told the card had been activated (automatic voice). I then tried to use the card on the AT&T website. It was declined. (My card limit showed $300 on the mailer that the card was attached...

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1:00 pm EDT
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Credit One Bank Credit card

They only accept ACH payments per their reps. I tried for several months to get help from them to pay my CC then I just gave up. . Every time I entered my bank info all I got was an error, so I went to my bank to confirm and get help. The bank rep got the same error entering the routing and acct number. I called Credit One several times to be sent to the IT dept who never answered the phone or returned calls, not I am in collections for trying to pay with fees etc.. this is so wrong that a company can do this to people and not have any recourse.

Desired outcome: Wave all my fees pull acct from attorneys and Midland collections.

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4:26 pm EDT
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Credit One Bank Horrible service/scammers/harasser/

Credit one bank, is a horrible company, that I regret I even signed up with. Due to their ungodly harassments and made up bills that they accuse you of not paying is real.

I know they will not but I wish they fall off the earth and burn

Doing the months of Jan/Feb/March I told this company I had been medically ill and that I needed to cancel my card. They refuse to listen and just kept calling every single day 7 days a week. All kinds of time they called and even woke me up on a Sunday morning. They do not care what you tell them, they will just keep on calling ...I have been too occupied in my healing process to much to go through the stress they put you through.

Desired outcome: For them to stop calling me and placing made up fake bill amounts on my credit.

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12:21 pm EDT
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It is obviously looking with refund given by aircanda for cancel ticket on the same day of booking and cancelation. Agent; merchant who is holding refund for no reason and engaged in scamming people and deceptive practice. On sep 28; I had complaint and long conversation on phone with sr. Manager and we had a conference call with merchant who said refund...

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12:58 pm EDT

Credit One Bank Credit one credit card/s

This is the second time that I know of when I made a payment one day late I'm charged with a $30 late fee, this is unacceptable! I want to cancel both cards I have with Credit one but contacting a real person to do this is impossible, which is also unacceptable. If someone asked me to give the definition of a predatory lender I'd have to say Credit one and describe what I've said above.

The last four on my CC's are 9995 and 4223. If more information is needed you have my phone number and e-mail address.

Desired outcome: Since I can't talk to a real person and I get a late fee for one day late I want both my cards cancelled!

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8:57 pm EDT
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Credit One Bank Credit Card

RUN! This company handles business VERY shady. I attempted to set up a payment method after receiving my card. I decided to do that because I knew there’s no way in hell I was going to pay a Rep $4.95 for taking my payment over the phone. I finally used the card after about six weeks. I wanted to make the payment and since I thought I had set up the payment method, I paid. I didn’t not realize that the attempt failed. I tried again and it failed again. I tried a third time and yes, it failed. I realized that it was the payment method, made the correction, and FINALLY made the payment. I have made payments every other week since then. That didn’t matter because Credit One closed the card because I had three return payments. I was return payments.

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3:53 pm EDT

Credit One Bank Credit one

I spent several hours on the phone with customer service trying to resolve my card not not working and being blocked from making purchases after trying unsuccessfully to send money with Paypal for a family emergency. After almost 4 exhausting hours I spoke to a manager named "Kay". Not only did she not solve my issue she was also very condescending, argumentative and belittling. These idiots are poorly trained but they will argue you to death and put all the blame on you. I have since cut my card in half. Don't use this company. They are one of the worst.

Desired outcome: Company cease to exist

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1:40 pm EDT
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Credit One Bank The stupid credit card I got from them

I regret ever having to accept their credit card. They have a predatory banking culture. They charge me every month when for a period of more than three months I have not used their card. Their mission is to exploit, take advantage and get harvest where they have not sown. I will be sending my statements the banking committee of in the senate so that they know what customers are going through.

Desired outcome: Will be calling to cancel the card irrespective of the impact it may have on my credit score. Their business practice of oppressive and offensive to me

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About Credit One Bank

Credit One Bank Mobile is a powerful mobile banking application that offers exceptional features to customers. It is designed to give customers easy access to their account information while on the go. The application is available in both Google Play and the App Store, making it accessible to customers across different platforms.

With Credit One Bank Mobile, customers can view their account balance, transaction history, and available credit limit. This information is updated in real-time, offering customers unparalleled convenience and peace of mind. The mobile app is secured through state-of-the-art encryption and is easy for customers to navigate, making it a convenient way to manage their accounts.

One of the key benefits of Credit One Bank Mobile is its ability to provide customers with credit card notifications. Customers can customize their notification settings to receive alerts for transactions, payments, and balance transfers. These notifications are delivered in real-time, offering customers immediate information about their account activity.

In addition to these features, Credit One Bank Mobile also offers a range of other tools designed to make banking on the go easier. Customers can easily transfer funds between accounts, make payments on their credit card, and even access their FICO credit score. The mobile app also provides customers with access to customer support, making it easy to get assistance quickly.

Overall, Credit One Bank Mobile is an excellent mobile banking application that offers a wealth of features to customers. It is a secure, easy-to-use, and convenient way to manage your finances while on the go. Whether you need to check your balance, set up alerts, or make a payment, Credit One Bank Mobile has you covered.
How to file a complaint about Credit One Bank?

Here is a guide on how to file a complaint with Credit One Bank on ComplaintsBoard.com:

1. Log in or create an account:
- Start by logging into your ComplaintsBoard.com account. If you don't have an account yet, create one.

2. Navigating to the complaint form:
- Locate and click on the 'File a Complaint' button on the ComplaintsBoard.com website. You can find this button at the top right corner of the website.

3. Writing the title:
- Summarize the main issue with Credit One Bank in the 'Complaint Title' section.

4. Detailing the experience:
- 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.

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

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

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

8. Submission process:
- Submit your complaint by clicking the 'Submit' button.

9. Post-Submission Actions:
- Regularly check for responses or updates related to your complaint on ComplaintsBoard.com.

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

Overview of Credit One Bank complaint handling

Credit One Bank reviews first appeared on Complaints Board on Apr 17, 2007. The latest review Credit Card Reimbursement Missing was posted on Aug 17, 2024. The latest complaint Spoke to 3 representatives on 2-14-21 and was told my account was suspended was resolved on Mar 21, 2024. Credit One Bank has an average consumer rating of 2 stars from 1767 reviews. Credit One Bank has resolved 63 complaints.
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  1. Credit One Bank Contacts

  2. Credit One Bank phone numbers
    +1 (877) 825-3242
    +1 (877) 825-3242
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    Automated Account Information
    +1 (866) 803-1745
    +1 (866) 803-1745
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    Credit Protection
    +1 (888) 729-6274
    +1 (888) 729-6274
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    Request Application Information
    More phone numbers
  3. Credit One Bank emails
  4. Credit One Bank address
    P.O. Box 98873, Las Vegas, Nevada, 89193-8873, United States
  5. Credit One Bank social media
  6. Laura
    Checked and verified by Laura This contact information is personally checked and verified by the ComplaintsBoard representative. Learn more
    Oct 04, 2024
Credit One Bank Category
Credit One Bank is ranked 47 among 414 companies in the Banks category

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