Credit One Bank

I was an Authorized card holder on a credit one account. I have since removed myself from the account due to the account holders failure to pay the balance off. I am under no contractual obligation to be held responsible for this account. I have tried on many occasions to have this account removed from my credit history as it is hindering further advancements in my everyday life. I have received absolutely no resolve through the customer service line and feel it necessary to note that I will absolutely escalate this major inconvenience if this does not result in the account being removed from my credit history.

I have been a customer over 3 or 4 years and have never had an issue until 5 minutes ago. I used to receive my mail with the address seather on it. The road i stay on is Feather not Seather. The mail person just happen to always find the correct home for the bill. ON the back of the bill i would get i wrote FEather road on it to address that it needed to be change. THe next bill i got said Feather on it. Well i check my credit karma account and my credit score has dropped 74 points. Well i start to dig and apparently i owe credit one 58 bucks. Now it never occured to me that i wasent getting a bill because i had paid my balance off. The account was still open. I had did everything i needed to do to change the incorrect address on my card. I call to find out and apparently in the system it says Seather again! How? Why? Highly upset. I closed my account over 58 bucks and 74 points lost of my credit score. The guy on the phone really tried to convince me to not cancel my account and said it could help credit. Are you serious? YOu really think i want to try that again when you guys cant change a simple address? 4 years and i am done. They really dropped the ball in my book.

i have a credit on my account for $66.00. I was waiting for my credit check to come in mail. never received it. this card charges a fee every month which makes it difficult to pay off. For the past 8 months I have been trying to get my credit refund. I call them ask for a manager who claims to look into my account then tells me the computer has froze and they have to call me back. Now they are telling me they mailed my check in December and it was cashed but the funny thing is I do not have that check cashed in my account. So I called again and told them I wanted the information on where it was cashed and who signed for it. They again told me their computers were down and they'd call me back. No call. I called back, same song and dance that I cashed the check already. I said I did not, now they are supposedly submitted a dispute notice from me. Still have not heard anything. I did get my monthly fees suspended for a few months which was a positive. I fought for that. I did not want to cancel card until i got my refund check. Received new statement now with an annual fee on it. Im so angry. I know they are BSing me. The check was never mailed to me, Im sure of it. I will be reporting this company to the BBB. BEWARE, do NOT use.

To whom it may concern

I have been trying to get your company to fix a problem since October 2016.

My credit card ends in 7865. In Sept 2016 we went on a 3 week vacation out of the country and we didn't take any credit cards with us. So, when we received our bill in Oct it confused us that there was a $130 charge. I forgot that I had pre ordered a bowling ball months before. So, we called and questioned the charge. They credited the charge and once we figured out what happened, we called in Dec 2016 and explained that we were going to pay the merchant directly since we hadn't heard anything from your company. You can see a charge at end of Dec for the charge paid by PayPal. Thinking this issue was over, we were completely surprised to be billed by your company again in Jan 2017. After several calls to the customer service department, we filled out paperwork explaining the above. We were told in Feb that the account had balance of $0 because the charge was credited again. We called and cancelled the card. Can you imagine our surprise when I get an alert saying that your company reported us to the credit bureau saying we didn't pay our bill. We called again and was told that the $130 was charged again. I said how can that be since the card was cancelled. Well apparently your employee didn't do their job and did not cancel the card. So we were told we would receive paperwork from you. We have not received anything from your company since we cancelled card in Feb. So...today I get another phone call saying we owe $230. How is that possible since there was
$0 due in Feb and we haven't purchased anything else.
I can't get any help through the customer service department.
I would really like this fixed, our account put to zero and you fix the credit agency that you gave false information to.
Thank you
Tim Warren

When you think the account is closed they continue charging fees and interest. They do not notify you until it is sold to collections. The only balance is fees and interest on a zero (or near zero) balance. So, I get that but they close off access and lead you to believe that the account is closed. They will NOT notify you and when you try to call... "All lines are busy" all the the time. Online? nope you can't reset your password because "The account is closed" My balance was zero. Credit One should be shut down! It appears they are misleading consumers by closing access or making access very difficult to maintain your account. Also, you can't pay online (auto) with our a fee to pay. we results in a balance!?! Weird. This may not be illegal per se but it is misleading as best. Very Bad Company! Now, this little balance is in collections which means I loose if I pay the balance, or if I don't. They may be just trying to get revenue be intentionally selling to collections at a discount.

My husband lost his card so i was unable to pay the 25.65 annual fee. So I sent in a check. I received a call about 2 days later from "customer service " telling me that I have an unpaid charge on this account and I needed to make a payment right then so my account would be current . I explained that I had just mailed a check so I was not gonna make an extra payment. He then said it needed to speak to the supervisor he got on the phone and told me that he needed my debit card number or my bank routing information. I told him I just mailed the check so he can wait to get the check. He continued to question me asking why didn't I pay the bill online . I explained that my husband lost his card so I didn't have the card number so I just sent the check. It seemed kind of odd the pressure he was putting me under to give my bank account number. Especially for 25 bucks. He told me to make the payment to him and then I could cancel the check I sent. I said no my bank charges me 30bucks to cancel a check. This was on Friday a week ago so this past Friday he called again and said that they have not received my check yet and told me that there would be an additional 29.00 late charge applied to my balance . I refuse to pay the late charge. I have no problem paying any of my bills but when you have two strangers that I can barely understand demanding my bank info. That is where I draw the line. I will make sure that everyone I know never has to use your company. I have tried to get a hold of customer service myself and all I get is the automated system.

This is by far the worst credit card company ever. I wil never refer them to anyone. The representative was rude to me because i said i wanted to close my account out then i can never submit my payment online then when i do it over the phone they want to try and charge a extra 10 bucks for a 25 dollar payment. No thank you. My account is closed and i will never have it again. Worst company ever!

Contacted Credit One Bank customer service in reference to fraudulent charges made on my credit card ending in 5387, on March 23, 2017, and March 24, 2017, in the amount of $707.70. Spoke customer service rep and requested an investigation on unauthorized charges to my account. Also spoke with same rep regarding an unauthorized ACH debit from my bank account in the amount of $732.52 on March 28, 2017, at 6.01am according to my bank. I have statements from Credit One Bank that shows a Previous balance of $19.11 and payment of $18.96. The same statement also shows unauthorized transactions described as Cardcookie10 on my card which I have disputed. Credit One Bank closed the account ending in 5387 and has since issued a new account ending in 6667. However, Credit One Bank has placed charges of the $732.52 that was returned from my bank at my request and have added an additional account transfer fee of $367.35 making a balance owed of 1099.87. I have also received a letter from Credit One Bank stating that the account ending in 5387 was identified as suspicious due to recent activity. On March 31, 2017, a letter was sent to me stating that they received a return payment in the amount of $732.52 and that they have closed my account ending in 6667 and that I am responsible for the balance of $1099.87

They have $75 annual fee, and they hide. The 75 was charged to my card but was not showing in the statement under normal view, I could only know that when I noticed my balance was more than it should be and called customer service, then they told me about the fee and how to view it online.

When I got the pre-approval letter, there was no visible mention of $75 annual fee charged when you sign for their card. I called them and requested them to send a copy of pre-approval letter, and waive the charges which I didn't know when applying, they agreed to waive only $25 out of $75. Still, a thug company, trying to steal people's money without informing them clearly. I want to close the account and get all of my $75, charged secretary, refunded to me.

I keep being charged monthly when I have not used the card. I would like to cancel the card but cannot reach a human being to do so. Automated telephone menus do not offer the cancel option and the website does not offer it either. In fact, is is nigh on to impossible to contact a human being to do anything. Now I am adding text so that I will get an official review. The problem was succinctly stated above.

Hi.. I received a $300 credit card in the mail. I was happy to be able to receive it, but i am sick of the harrassing phone calls 10 times a day every single day! My bill is not due til the 5th of every month and you all keep calling and calling and calling. I am fixing to change my number. And you also told me my bill was going to be $25.00 a month. Now you send me a bill for $75. I am on social security and i cannot afford no more than $25.00 a month and this is all you are getting. From all of the complaints i have read.. You guys do not have many positive reviews. Stop harrassing me with phone calls! My bill is not due yet! This number that keeps calling is [protected]! They are blocked!

I have two credit cards with you. I've been in good standing. For the past 6 weeks I have tried to make on line payments would not accept payment so I call customer service I give card numbers my name social and explain my problem in making an on on line payments which I have always done..The customer service lady tells me I. In bankruptcy. I said no I am not. Then she transfers me to a account specialist I get a recording then call drops..My name is Kimberly Morgan 158 queens road little river SC 29566
The date today is
March 3 2017
Telephone [protected]

Make sure to read reviews I sure wish I did. I just applied for the Credit One Bank and said I was approved $400. I got my card on Dec 3, 2016. I used it one thank God for that and hopefully there is no more sneaking fees after this. I seen on my account that I was charged $75 annual fee, which was not mention in the application. Well I found about this on Dec 5, 2016, so I contact them. Then first guy told me that he can close it out without helping me. Then as I stress my situation he hang up on me, so I called back and another person said well it is on the application and by the way there is a $8.95 monthly fee. WHAT! I have Capital One great company. NO annual fee, NO monthly fee, great customer service. Oh an only been with them under a year and got 3 credit increase from 400 to 1150 now and my credit is not good. I so called was speaking to a person by the name of Derrick ref# 4190736, which sound nothing like a man, so I believe thats lies. Bottom line is horrible customer service, sneaking with saying that the annual and monthly fees were on the application which they were not. They said they will closed my account we will see. I will never ever do business with them again. They are lucky to even get 1 star from me.

this incident has happened from 11/30/16 to present( 12/01/16. client number is [protected]. when I try to log on to the website it says temporary unavailable, been like that for two days and when I call there number I can't an actual person and all the computer program does is refer back to login on website. I tried to find an email address to email them and all I get is that they do not have an email address for security reasons. this incident is going to end up with them charging me a late fee. I need them to repair this and refund me any late charges I end up with.
clients address is po box 60500, city of industry, ca [protected]

This card is not worth the hassle I got this card with a credit score if 786 so I really did not need this card but got so my kids could use it as they will be getting married and need to buy some high ticket things I called to let them no this and they told me to send proof of who I am so I did so .Now they still wont release my account because my son has my cell phone they wont give me any information on my account. But they sure did take my 1time payment of 94.witch makes my card a 0 balance and 4000 credit line witch they wont let me use what a waste of time Sylvia Molina

I opened a new account with them mid Oct finally received my card and proceeded to use the card but to have the account frozen then sent them what they required and it has been three days and still not able to use this is awful I have a great credit score and don't need this crap I got this card for my kids to use and they still cant use it I already jumped through hoops for them even paying the bill of the two times I got to use it I will now be canceling my account what a shame

I called the company 16 total times to pay off, close account, get a refund of my 600.00 security and was hung up on 100% of the time. On 10/21/2016 i called the company from my phone 14 times, my boyfriends phone twice. Each time i was hung up on. The first 5 or so times i thought it was a problem with the connection. After, when i spoke with a man, explained i wanted to close the account, he pretended to transfer me to 3-4 so called managers even though it was the same man each time. He finally tranferred me to a woman named michelle who said she closed my account after asking me if it was ok to charge my bank the 52.20 remaining on my account. Then when i asked for a refund of my 600.00 security, she told me she could not hear me, the connection was bad and for me to call back, then hung up again. I spent two hours and 16 calls trying with these people. I am livid that a company is allowed to function and scam people in this country. Not only would they refuse to talk to me about the refund but the account still remains open. So they can continue to charge me interest i am sure. I have contacted the bbb to intervene. Horrific company

Just curious, there's over a thousand complaints here on this bank and since the company has their own feedback board why all these complaints aren't posted there where they would be better viewed as a warning? Has anyone tried? Do they delete or modify their clients feedbacks and only keep select comments? Right now it says their customers have left an average of 4.7 out of 5 star feedback. I'd be interested to see if all these complaints here, if left on their review board would remain or not? Here's a link to where you can leave feedback and reviews if you desire... https://www.creditonebank.com/credit-cards . Try there and see what happens? I came here to the complaintsboard as I usually do to find out more about companies I plan on dealing with but thought it odd these same complaints aren't seen on their review board as well? Give it a try, you might get somewhere with your complaints or at least get others to be warned before applying if it's a valid issue. Just Sayin~

I have a Credit One Bank Visa card. Their customer service is horrible. August 16, 2016, I made a payment of $59.95. $50 was to be applied to my account and $9.95 was the total of the rip off fees they charge to accept my money on line. That's a whole other issue that I've learned is the cost of trying to re-establish my credit score with a company like this. I regularly check my account and as of August 22, I didn't see my payment post, but it was taken out of my bank account. I tried for hours, really hours, to get a live person from Credit One Bank on the phone. Of course, impossible. I tried the customer service link on their web site and continually received a message saying my request could not be processed. Finally, I decided to make another payment trying to avoid their ridiculous late fees. On August 23, I made another payment of $59.95 Today, August 31, I've received my Credit One statement indicating only the August 23 payment posted. I researched hidden phone numbers for Credit One and found a number that got me to a customer "harassment" representative that I could barley understand. This fine lady from another land, explained to me that it was my problem, not Credit One's, and the burden of proof was on me! Hoe is this possible? My bank statement clearly shows 2 distinct payment paid to Credit One, August, 16 and August 23. I went to my bank to make sure I was right. I was, 2 separate payments have been paid as I have explained.I am at a total loss, am I out $59.95?

I got this card in 2012 and pretty much kept up with the payements then I started getting all the increases like everyone else although you had to pay for them like 19.99 for 200 increase. I got all the way up to 1300 with this card and at the same time my credit score started to go up and I also got more cards so I stopped using the card. at the end of 2015 I had paid the card off place it in my drawer and never used it again. In march 2016 I was trying to get finaced for a house and my credit was pulled and it showed that I have a 60 day late chard from credit one. I called them to find out what it was they told me it was from a late for the yearly fee for having the card. I then explain to them that I never got a bill or email from them, this is where the fun began. I then talked to the first customer service rep and she explained that I was suppose to check my bill every month thru the computer. I told the rep. that I paid the card off and that I haven't gotten a bill thru my email or one sent to my house or a phone call, she then said that one was sent thru my email I told her that I checked and there is no bill, I then asked why was it high the bill was 100 dollars she said late fees. I then asked how much was it before she said 8 dollars I told her you guys put this on my credit for 8 dollars and didn't give me a bill, I then asked to speak to her manager and told him the same story and then come back and says oh we show its correct and we called you, I told him tell me the phone number on file and then gave me a number I had 5 years ago I told him you called the wrong number, and I had been changed my number with you guys, and I still never gotten a bill, he then give me someone else . tell this guy the same story and then he says its correct we called you I then asked him for my number he then starts to shoot of my new number I then explained that's not what the last person said and the person before that told me I had to check my email, I then got pissed and closed my acct, they did not want to take the 60 day late of my credit. so then the next day I get a phone call trying to collect the money I then told them to send the bill in the mail, right after that for a whole week I then started getting phone calls for the bill of the closed acct. WTF now you wanna call me, before for 8 dollars you didn't give a ###, and know this acct may cost me my house because the 60 days late is so recent its dropped my score, stay away from this card and the people here there English is horrible.