Credit One Bank
reviews and complaints

I just want to tell you., personal doesn't do anything for help customers., i'm asking for 3 days for a letter of proof that my balance is 0 and you guys told me that in 3 hrs send me a fax and I called some many times because you change history every time., [censored]., is very important and urgent to get that but you guys don't care. That's stupid process and liars 

Genuinely disgusted with this company. I was mailed a new card back in July... Never received it. I noticed purchases had been made to the card via the app. Immediately called and reported the card lost/stolen. I was told all would be handled. NOT ONLY did they report the account with fraudulent activity to the credit bureaus which caused my credit score that I have worked my butt off for to go down 112 points overnight, but they then send me a letter informing me that I was responsible for the charges based on the card supposedly being sent to my address and activated from my phone number. I immediately pulled my phone records and have proof which has been faxed to them TWICE now proving that I did not call and activate the card. Now here we are 3 months later... I just received a second letter stating that I am being held responsible for these charges for the same reasons. Despite the fact that I have proven not once, but twice that the call was not made from my phone. I genuinely feel like they are attempting to bully me into paying charges I did not make and every time you call they are as sweet as can be, but tell you they can't do anything. I have literally wasted HOURS upon HOURS of my time dealing with this situation and at this point I have no other recourse then to turn to social media in hopes that something will be done. I have talked to customer service, account managers, the fraud department who never calls back mind you... All will tell you they will take care of it and nothing happens. I spoke to the fraud department last week and the woman I spoke with told me if I did not hear back from her they charges would be taken care of and my account would be rectified. So here I am like an idiot waiting to see the account be reconciled via the app... 1 day, 2 days, 3 days, 4 days, etc etc and then receive another letter stating that I am being help responsible for the charges yet again. If I were anyone looking at this page or post I would stay as far away from Credit One bank as humanly possible. This company does not care about you, they don't care about what's right or wrong, they only care about destroying your credit and wasting your time. The whole thing makes me feel like it is just one big scam. How do I know they charges aren't all just bogus and have been put on there by credit one themselves in an attempt to get more money... I'm not giving up and will do whatever necessary within the law to rectify this situation and restore my credit.

I have been trying to rebuild my credit and Credit One Bank had sent me a pre-approval letter. Since I have had this credit card it has been nothing but confusion. I would make a $100 dollar payment which was way over the payment due. They would not take it out of my account immediately without paying an extra $10 dollars which I was not going to do. I have never signed up for automatic payments although they have taken out several different unauthorized withdrawals causing me to have overdraft fees at my bank of $32 dollars each time they tried to withdraw unauthorized payments. They have even went to the extreme of trying a payment of $8.47 and I had to pay my bank each and every time they have done this. I would make a $100 dollar payment and they would put it through whenever they wanted to which caused only a lot of confusion and when other Bill's (that came out in a very timely manner) went through with no problem. This Credit Card Company/Bank does not take out the payment at the time I authorized the transaction and has only caused me many major financial problems. I have paid more in insufficient funds due to their negligence. I thought it was against the law for them to make unauthorized withdrawals from my bank account. Instead of helping my credit this (Credit One) credit card has ruined my credit. I have received emails stating that payment was due and to login to my app but they have locked me out of the account. I do not like the fact that they are trying to withdraw funds from my bank account that I absolutely did not authorize. This credit card company and their ways of doing business seems illegal and I would never recommend this credit card to anyone.

I am a few days late for my payment, not that I chose to make it late, their systems were updating. I wasn't going to fight anything because everytime I call, no speaks English or clear enough to understand. So I really don't call and decided that I would pay the card off this year and close it, even if it does hurt my credit because this company is aweful. This morning starting at 8:30am they have call me 9 times, it's currently 8:50am. I feel like this is harassment at its finest. I've only been late a couple times in the 7/8 years I've had this card, I've never kept it delinquent for more than a few days. Just because life has happened but never more than 3/4 days, tops. They have harassed me, they have no way to set up a payment and if I make a payment early, sometimes they don't count it for the next month so it makes me late on my payment. This company is nothing but trouble. It served its purpose to help me build my credit but now it just makes me want to cry literally.

I've tried 5 times to pay my monthly bill to Credit One bank and I've gotten nowhere. I don't want to do it via phone as they charge $10.00. Ten dollars may not seem like much but for a person, like me whose only income is Social Security it IS a lot. I'm told I can pay online, but over & over again I am not able to make the payment online. I fill out all the boxes but I It doesn't work. I'm tired of having to pay the extra fee to pay my bill. I think Credit One makes it extremely difficult to set up an online account just so they get the extra $10.00. HELP

I have sent this company several letters demanding proof the said "debt" owed. I have stated I have never heard of their organization (Credit One) before receiving their notices, that I never signed any contract to obtain a credit card, and do not recognize any of the charges shown on their transaction statement they sent me after my first letter to them regarding this matter. With any contract I enter into, I always sign with none other than a wet-ink signature. I never enter into a contract or agreement online or via any other means than on paper with my signature thereon. Any claims otherwise are false and the contract Credit One claims I opened with them is void ab initio minus my wet-ink signature.

5/10/2018 $766.25 was fraudulently charged from florida. I called that day to dispute charges. I also complained that the email, contact phone number and billing address changed by someone other than me. I kept getting transferred to overseas representatives that promised it was being investigated and could take 90 days. As of 08/13/2018 the card has been reopened 3 times and nothing has been reimbursed. I have not received a call back from a manager which has been promised on several occasions. I feel that this is an internal fraudulent activity happening since the florida address change has happened to others before from my research online.

Credit One Bank will issue a credit card to anyone very easily but you will regret it. Also all the customer service reps are in India or some other country that are very difficult to understand. When you finish talking to them thinking you have resolved your issue, the account is worse shape than before you call. My card had charges that were fraudulent and Credit One Bank to continue to approve the charges. Then I called them and the accounts were removed from online access so I could not monitor it and fees accrued at a tremendously. In the midst of Hurricane Harvey, it was very difficult to get assistance so it would not damage your credit. After 5 calls to Credit One Bank, they finally agreed to assist me but there were so many fees added to the account. I received a letter stating per my request we have closed your account and fees will continue to accrue including Annual Fees. That is ridiculous! Why am I still paying an Annual Fees? 1- the account is closed, 2- charge privileges aren't possible.

I have a zero balance with credit one its served its purpose. I called 7/30/18 and 7/31/18.
Was told its cancelled.
I can still go online and it shows credit limit and that no payment is due.
I've now emailed the VP of customer service and also online fscebook
When i had called the 2nd time i was told it would take 20 days to close account?!
Ive now filed with comptroller of currency and also bbb
Just close my account as requested.

When we closed our office in [location removed] in late 2017, we discovered that the company owner [name removed] had been sent a pre-approved credit card from Credit One. The card was opened and approved without his knowledge. The staff in the office used it to purchase sundries, basic supplies. Nothing large - it was under our floor limit of $500 so no flags raised.
When the card was discovered, it was paid off and we though closed. WRONG! The continued to charge the monthly fee, did not update the address - so we were not getting any bills.
ALL actual purchases were paid off, the only thing that is on the card is the fees that they continue to charge. They have not closed the account and have listed the debt on the company owners credit score. Remember - he NEVER gave permission or consent to open the card i the first place.
We have been trying to resolve the issue with Credit One since 12th March 2018 - when we noticed it was listed on the owners credit rating, remember we though the account was closed when we paid it off and discovered the card. Every month I call, every month I am told - we are investigating. This takes time. We will escalate it. It takes 60 days, then 90 days, then 4-6 months - every time it is a different story and still nothing is resolved.
it is effecting our ability to do business as the company owners credit rating is effected by this absurd charges from Credit One and their continued failure to fix their error. Not once have they sent us proof of the signed application form, not one email, not one call back - nothing. I call them every month and get another 45minute run around to have the same lies told as the previous month.
This 'bank' needs to be closed down! They do not follow any safety protocols to protect the identity of people.

I received a notice in the mail from CreditOne bank telling me they had rejected me for a credit card (I don't remember applying for one) based on a really low credit score. They blamed it on Experian. So I got my credit report from Experian and verified there was no fraudulent activity.
Wondering if I was having a "senior moment" and had actually applied for a card, I called the number listed [protected]). I pressed 1 for English then, after not entering a credit card number, I pressed 1 for an enquiry into the status of my application. I was then asked for my social security number. I didn't give it. I was asked again and when I didn't enter anything the automated system hung up on me.
Clearly a scam!
Reading other scam reports on here, I'm glad I was denied one of their fraudulent bill-you-for-nothing cards!

5/10/18
I paid $25 and ordered a new mastercard credit card from Credit One Bank. I never got it by 6/7/18. So then i called and on 6/7/18 made sure they had correct address and had that along with my phone number changed. Was told my new card would be to me within 7 to 10 days. By 6/19/18 it wasnt here i called Credit One Bank and found out they never sent it. Then was told it was sent but returned. They then told me my address was not changed it was back to the same one i had over a year ago. That i also have tried to change many times. I had vaction plans for 6/20/18 and stated i needed my card that they have now ruined any chance as my getting to go because they did not deliver my card in time. I was then told to call a MasterCard Over night service called and then was told i dont apply for it. So then i call Credit One back again mind you i have already been on the phone for 4 hours between all this. Then they tell me Mastercard doesnt donover night its Visa international that I should do that and ask for that card as inhave a visa card and a master card threw them. I didnt want this visa but since i needed the money for my planned trip i went ahead and applied after talking to an executive in their main office in Las Vegas NV. She then said i would be approved just need to apply for it threw their services. So being thankful and hopful i applied just to find out that credit ond denied me. I called them again and they tell me that Visa is the one that denied me to call them. I call them they said no we just need approval from your bank card to beable to go threw with it. I call credit one again and they still insist that it was visa not them when i stated even kn their website it states they need bank approval. I said i wanted to know why i was denied and to speak to a manager. I get a manager wait on hold again for 10 to 15 mins and get told he will figure it out and beable to call me back within an hour or 2. Never happened and they didnt call. I then go to check my credit one app and now they have taken off my mastercard account or closed it without my knowledge or approval when yesterday it was i was getting a card sent to me. So again with hopes of getting my new master card within 10days they have closed my account and i would again been waiting to get one. Their entire way of doing this entire thing was horrid and also ruined my chances for my family and i to go on out planned trip and are now out even more money from them screwing me over. I am in no way ok with this. Nor should anyone be. Was told over and over i can wait 10days for a new card when the purpose of me trying over a month before was because i needed it by a certain date and now have everything ruined.

I called the Credit One card company due to multiple fraud charges on my account, and everything was handled promptly. I was sent a new card in time for my child's team trip, and it's been going great until today, 5/31/2018.

This morning I received a text that my card balance is -$293.00. I looked at the transactions online and all of the charges I disputed were placed back on my card. I called and spoke with a customer service agent for 25 minutes to try and address the problem. When I explained the April 2018 charges for American Airlines were for a team trip as this card was to be used for the majority of team trips. I also explained I paid for my bags *at the airport* using this card. The charge I previously disputed for American Airlines was paid online or over the phone, I'm assuming since the line item did not look the same. Per the customer service rep, the fraud charges were voided even though they are not finished investigating because I paid for bags at the AA terminal. Because of the bags, the large American Airlines charge I disputed on the card must be mine; and because it must be mine then all the charges are mine as well. I was then advised to cancel the subscription to American Airlines. Per the customer service rep, American Airlines is a subscription and I own the subscription.

I followed the appropriate steps of calling when the fraud was noticed on my card. The charges were credited back to my account because I did not use my card at the places listed and I don't even know where it was used at location-wise. When I looked up Roy's, it looks like a restaurant that has locations all over the world. I've never been there nor heard of it until I looked up the merchant name.

The resolution I am requesting is to have the fraud charges removed from the account. If not, I'll be filing with my State AG and Federal Agencies for the business practices of this company.

Tried closing my account and got the run around for almost an hour on phone. After being harassed about not closing it, I thought I was finally successful but not so much, just got a letter and statement with my account still open! UGH! This is ridiculous, I just filed a complaint with the BBB and reached out to their CS team again, but I refuse to call them and stay on the phone an hour again.

Your credit card service is horrific. I have tried calling to make a payment. I have been hung up on twice and received no information on how to clear my account from your customer service reps. They are confused and unequipped to handle these requests. My account was locked out because of the two small payment. I tried multiple times to put in the payment amounts, the submit button would not work. I can't understand how you make it so difficult to manage our accounts. I am mailing a check because no one can help. I will look into transferring these balances, due to the terrible service.

Don't try to talk to an American with this account because you won't get one I've been complaining to them for over a year and now they throw crap on my credit report which is incorrect they transfer you for hours and hours to try to talk to someone do not use the card do not do anything with them they have got to be the worst credit card and as for today I checked my credit report and it just got dropped 48 points for what they say is a $50 payment I owe them this is false this is not true again I've tried for every year to speak to an American it never happens I've caught every month I've asked him to send me a paper bill for over a year it is never happened every time I call I've transferred and transferred and transferred to people the sound all the same but you have to give out all your information over and over again I highly suggest you do not use this card unless you speak 3 or 4 third world languages you won't ever talk to an American and they falsely charged you with things are always asking you for your social for a phone number and everything else do not give it to him anymore and do not go to their website cuz it says dangerous website

Hello,

An individual in my life used my Credit One visa card last year to purchase items without my knowledge or authorization. Through a series of other circumstances, he is now in jail, and after I learned of this situation, I paid off the entire balance in a month.

The card has since been cancelled, though this was not my fault. I find this unfair treatment, given that this circumstance was in no way something that I had done. He managed to damage my credit score, and I am working quite hard to improve it as quickly as possible, but I need access to a card in order to do so.

I would greatly appreciate access to this card again, as I would like to avoid being punished for his indiscretions and illegal activity. Consideration of this circumstance would be greatly appreciated.

Most sincerely,

Kassia Lind

charges that are not mine.. made in florida .. i live in texas senior citizen... have called in dozen of times beginning in january.. i am a senior citizen and have not been out of texas// they keep just telling me this is my charge.. it is not 774.25 made at target in florida// they will not listen to me and verify anything.. what can i do.. poor customer service.. no respect for customers.. i have tried to explain .. no one will listen

I have my account paid in full for over a year now. I have a $6 monthly charge fee. I have all my credit cards on autopay or I set future payments. This credit card company, CreditOne Bank does not offer the option to pay in automatic payments to avoid fees or even the option to post a future payment. When i try to add a future payment the system accepts is then charges the same day nulling the future date set. I am now 2 days late for the $6 monthly fee of which I will be charged who knows what fees. The reason for my lateness in payment is only and strictly due to their website being down for the last few days. I am not able to pay by phone as the customer service reps have hung up on me a few times as soon as I try to make the payment and explain the situation with their website. The is really strange that as soon as I mentioned the words the website is down, the call gets cut off. I know read all over the internet that this is their process of making more money from customers. I have never been late. attached is a screen shot of their page being down.

On April 6, 2018, we paid our account using Credit One's app. (This was after unsuccessfully trying to log in to their website in order to make a payment for several days.) The app indicated that the payment had gone through and we have had more than adequate funds in our checking account to cover the payment throughout the time frame in question. When noticing that the payment had still not cleared our account on April 13, 2018, we tried to access our account, only to find that now both the app and the website are down. In calling the 800 number, a recorded message informed me that our payment had been returned due to insufficient funds (not true and not reflected in our checking account statement), that our account is past due, and gave me phone options for making a payment. We request a refund and deletion of any derogatory information filed with credit bureaus. We also request a personal conversation with a verified representative of Credit One. Please respond to this request with specific contact information so that we can be in touch with Customer Service (which is not an option at the 800 number).