Credit One Bank
reviews and complaints

THis company is ridiculous. They get you by claimng they can help improve your credit. THe card has a low limit ($200). But then, they get you: $5.95 a month in fees for the "priveledge"; $9.95 charge to pay by debit card; $7.95 to pay from checking. So, a 20.00 monthly payment nets you about $4.00. Unbelieveable!

I will cancel ASAP, but according to this site, that seems to be impossible?

If you get an offer from them, THROW IT AWAY!

I keep trying to play catch up with this credit idot card company and they keep raising the minimum amount on me it has gone from 20.00 month to now 45.00 I am on a fixed income and can not pay this card off because they keep putting a 35.00 dollar late fee on me when i send it in on the first of the month and is not due until the 20th some of my payments they claim never got there. this credit one bank has liers working for them. if i find on the internet a class action law suit filed on them you bet i'm jumping in the ring...

I just called this ###ing bank today and canceled my account. This is the worst bank anyone get possibly get themselves involved in. They have fraudulent practices. They charge you for everything that you do and not do. I have not even used this card for the last year and a half and my balances continue to grow. If you want to make a payment online, they charge you 7.00 for processing fee. What the ###? They charge you an annual fee every month. And if you don't pay a day before your due date they charge you a late fee on the same day that it's due. That's ###. Is this even legal what they are doing with their practices? It's so hard to find anyone or any contact info for this company on their website. You can't even email your concerns or talk to a real person. I warn everyone that is thinking of getting a credit card from this company. YOU WILL REGRET THAT YOU DID!.

I called and canceled my credit one card 4 months ago ..the operator told me the balance was paid in full..the next month I got a bill for $4.25 so I called them they said they would take it off.The next month collections called and I explained it to them..they checked notes and
said they would take it off ..the same thing happened 2 more months and today a man called from there and was very rude and wanted $98.56..he said he didn't know why they told me that but it was money I owed and had to pay it..well after fighting with him for a few minutes I asked him if I pay this will you stop calling me and he said you'll never hear from us again..so I paid it..
This company should be put out if business !

They're rude, annoying and I'm sick and tired of them. Yes, I'm behind, but my other credit companies are willing to work with me. All credit one does is call me every day, 5 times a day. Maybe if they get some people in there who speak english? I told one rep that I wanted to speak to someone who spoke english and who could understand me and he replied, "I speak the queen's english." Ok... Umm.. Whatever. They kept demanding to know when I would pay them even after I told them when rent is paid. So, I told them I'd pay them on October 5, 2910 and slammed the phone down. They haven't called back yet and it's been 3 weeks. They're dumb enough to not call back until then. I recevied a letter from them stating because I was behind they were suspending my account and weren't going to add late fees to my bill so I could get it paid off. Guess what? Yep, late fees appeared on my bill. Called and they told me I was to disregard the letter and pay the late fees. Ha! I don't think so. Hello Better Business Bureau.

How do you get around paying them all that money. 'Would credit counseling work. They have attached so many fees on me. Give me an alternative ...I want to pay what I owe and that is it.

Thank you!

Yep. That's Credit One, alright. ':-(

I called to cancel my card today (they did not ask why) because I think its ridiculous that they charge me to accept payment from me. Both payment from online checking or debit cards result in a fee. Not sure how I missed that, but a fee for accepting a fee? Are they serious?

Back in 2003 I recieved a call from a rep of First National Bank of Marin now Credit One Bank.
He promised that for a small fee $79 charged to my bank account I would recieve a credit card with $600 credit.
I made the payment of $79 and recieved the card. It had very little credit on it $50 and on the card it had a sticker telling me to use it to activate the card or I would lose it. So I used it to buy a coffee and a candy bar about $2.00 the most. Soon after I recieved a statement demanding a payment of $50 and that I had no more avaible credit and owed the bank over $2oo. I sent in the some more payments and three more after that. I called them and asked them why I had to pay over $200 cause I only spent $2.00. They said it was a charge against the card for a savings deposit.
When they first called they never said anything about a savings deposit. Why would I need a savings account when I already had a Bank account with Citizens Bank. Plus I recently got three credit cards One from Capital One and two from First Premeir Bank with $300 credit on each of them with no savings deposit.
I brought this to my States attorney offices and they told me not to send any more money and cancel the card and I did. This I did back in 2004.
But shortly after I started to get more bills from First National Bank of Marin this time it was for $400 - $600. I called them and asked them why so much and they said they extra charges are late fees and interest fees.
I ignored them cause why should I pay $600 bucks for a card I really did not use except for a $1 coffee and a $1 candy bar. If I knew from the start they were going to charge me $200 for a deposit I would of told them no cause I could put $200 into my own account at Citizens Bank.
So I ignored them again but Now a month ago I recieve a letter from a attorney in the Boston area threating to sue me for almost $694.62
When I got this I google First National Bank of Marin and found that they had number of lawsuits and complaints against them. Back in Dec 3, 2001 The OCC settled a case with them for useing the very same decietful tactics they used with me on 100s of people. The [OCC] Office of the Comptroller of the Currency has a consent oreder and a OCC Marin Fact Sheet on them The Bank was told to make restitution. But it seems they did not heed to the complaint cause after wards back in 2003 they decieved me and many others the same way. Now they have changed their name to Credit One Bank and are still doing the same thing. I have just filed a complaint against them with the Office of the Comptroller of the Currency[OCC]Thus being said because these people The First National Bank of Marin of Las Vegas, Nev was deceitful about their credit card not just with me but to many others and have been ordered by the [OCC] to stop their deceitful practices but did not. Promising $600 credit that I never received $600 credit only $50 in which I only used $2 and made several payments after I do not owe them anything. The $694 is nothing nothing but interest charges for a card I only spent $2 on and paid back.

went it off my cred card september 9 2008

well sir if you return the card and did not activate it it will automaticaly unwind, meaning to say all of the charges on the account will be credited back to it and you dont need to pay anything at all. and it is not a $75.00 yearly fee. its $69.00

Credit One Bank is the worst credit card company I have ever dealt with. They claim not to have gotten online payments when made on time and then begin the process of charging late fees and harassing their customers by phone. The worst part is you talk with a rep in America and then get harassed by someone in India. I strongly encourage anyone who recieves a credit card offer from this bank to burn it!

I am a bankruptcy attorney and this company ignores a bankruptcy filing and continues to call and harass debtor who have filed bankruptcy in violation of the automatic stay. When you call they apologize and then continue to call. They refuse to provide information on how to stop the problem.

I find this extremely helpful. This company has the worst security I have ever seen. I was trying to pre-qualify for a card at this bank and learned that somehow, magically, I already had an account with them. Curious, I called them up, to discover that they had an account open for some man by the last name of Gonzalez, under my social security number. After arguing for what seemed like ten minutes. I requested to speak with the responder's supervisor. Somewhat more helpful, although the entire company has something screwy with them. Especially since you can't reach the fraud department by phone. So I sent in the documentation they requested to prove my identity and eventually, after two months, they shut down the account. But they left it under my social security number, so I still have to fight with them over clearing away the records of the account.

I am having the same issue with Credit One Bank. They keep telling me that there is not a fraud department contact and that they investigated my account and found it was not due to ID Theft yet they have never once initiated contact with me or sent me an affidavit nor offered to. I have mailed them a Signed and Notarized ID Theft affidavit from the FTC and even letters from the company they sold the account to that say it is not my debt.

I have ended up contacting the Office of the Comptroller of the Currency at helpwithmybank.gov and filed a complaint against them but have yet to hear back from Credit One.

this just happened to me too. they were pretty helpful over the phone and said they would send me the affadavit papers in the mail within 30 days after their investigation. i'll update the post if they don't

Worst card scam out there. They make it so difficult to make a payment then charge you fee’s. they ding you 75 member fee on your first statement ( undisclosed). I’m trying to build credit and after accepting this card it has ruined any good credit I have earned in the last 6 months. This company really should be reported

I Hate Cedit One customer service they are so rude they don't speak good enough English it's hard not to get frustrated but I do. I have called several times asking them questions and they can't even answer my questions they put me on hold and wait for me to hang up. I will never recommend creditone to no one ever in life.

Just tried to change my due date I have two cards with them just wanted them to be due on same date they hung up after I ask and can not find how to set up a recurring payment they have set things up so they can charge the crap out of you every chance they get what a rip off going to pay off and cancel asap

I just canceled my credit one card and I'm sending them a check . S o i won't be caught in a loop for $7.95

I'll add to that!

I have mailed checks to them 12 days in advance to avoid the OUTRAGEOUS 7.95 fee and they still did not clear before my account's due date. Unbelievable. I then had to go online at the last minte and pay my bill with a debit card, fee included.

I had an instance where an online payment was made, yet I was still charged a late fee! I had to call customer service to have it removed.

This is a Grade-A scam. I have plenty of things to concentrate on in life without this nonsense adding to it. Cancelling ASAP.

I agree - Credit One Bank has the worst credit card deal. As soon as I realized that they charge me a fee for paying my bill online - I canceled it. Now I am paying it off and mailing my check to avoid the fee. But if I don't do it in time I am forced to pay online which now costs me $7.95 (!) plus interest on that amount which is treated as a purchase. It's outrageous!

They redefine ###s! As a matter of fact, they're an insult to some ###s I've dealt with before.

You can't ever get a Supervisor or Manager. Do you know why...I finally figured it out...THEY DON'T HAVE ANY!

I agree with you as well. When I saw the fees they charge just to pay on line.. my jaw hit the floor. My other two cards, Discover and Capital One do theirs for free. Well to circumvent the fees from Credit One. I just do online bill pay. No fees for me. Maybe you could try that. it is just a suggestion.

I totally agree with you. This company SUCKS! I called them to close my credit card account today & to get the payoff. The rude customer service rep asked why I wanted to close it. I told her because there are too many fees. She said that the fees are what make it a good card to have because it looks good on my credit, but if I close it, then my credit score will drop. WTF?! Are they smokin crack?! No matter how much I pay, the balance just keeps going up due to the fees! THERE IS EVEN A $3.00 CLOSING FEE! She said that I should seriously think twice next time before I order something I don't really want because when I pay it off & close it, it will drop my credit score. I just wanted it to buy Christmas presents with & now I don't need it anymore. These credit card companies are evil & I am paying with cash from now on! I sent the payoff today, but I'm expecting more fees on my last statement. What a freaking RIPOFF!

They've called me starting at 8:30am. Even after I have told them I work nights and to not call me that early. They still do.

These idiots are such a complete hassle. They are hitting me with substantial late charges and when i don't pay on time they will call 14 to 16 times per day from 9a-8:30p. They also called me twice on Sunday. I HATE CREDIT ONE BANK.. BUNCH OF LOSERS!

I own my own Company (a restaurant) and I received a Card from Credit One and used it only several times, gasoline and such - all is well, and then I needed to order some print cartridges from HP, which would run me close to my limit. So I receive a few thousand dollars in credit card receipts a week at my restaurant, and even more so now with the economy the way it is, so rather than exceed my credit card limit, I credit myself out of restaurant receipts so as to not exceed the limit and they go beserk at Credit One, first it's fraud (on my part) so I prove to them that I OWN the restaurant, and today I received a letter which states that they are closing my account because "the credit could not be validated" What horsecrap. Does anyone have an idea of who or where to report this, it just can't be fair.

This is the worst bank ever! they charge me every month $5.95 annual fee plus $7.95 direct check fee, in other word to pay online. And to top it all they charge $24.71 finance charge. How will I ever pay this card off is beyond me. What I cannot understand is how do they get away with this? I have not used the card in months.. I would appreciate any sugestions as to what I can do regarding this.

I am having the same probem

Because I never used the credit card, I called them and they told me my card was cancelled for not use, so I got rid of it. After that they sent me a card statement with $ 77.72. ?
WHAT A FRAUD !

I have received a 100 calls from Credit One Bank, [protected]. I finally called them back. They knew my name and, obviously, my phone number. They claimed I owed on a card I am the Primary Card Owner of. I have never heard of them. Then, they asked if someone else in my house got it in my name. There are two of us, and no we did not. Then they wanted my social, address, husband's name. I said, you obviously have all that since you are calling me on the card YOU issued and he has the job! He said, I can't file a fraud report unless you tell me all of your information. I am so mad and fed up with the call after call after call, I want to change my phone number. They have a way of making different cities appear on your caller i.d. when they call. I, then block, each and every one. NOW, they are calling with NO Caller I.D. I changed my phone to ring only if MY CONTACTS call, and NOW they are STILL able to leave messages. The same Middle Eastern man, claiming to be Alan Richter, calls every time and then when you call him back, he claims NOT to be HIM! This is driving me insane and it should be illegal. What in the world is a person to do about these bogus, scamming people?

THis company is a complete joke on my tab. i had this cardfor 3 years paying the BS monthly and the 6 dollars Credit protection for three years and i got laid of and i owed them 83 dollars i continued to pay them for a few months the i noticed i had the credit protection so i used it and then they denied me and said that i should have claimed it in the first 30 days, , Come on people i was laid off and i still paid ur bill then u deni me protection becuase i paid u instead useing the money elsewhere basiclly stay away from the loop company i wish the american people just had more say so before the get phucked ...we need a civil war on creddit companies maybe if everyone just stopped payin them then they will realize who is in charge when they are inj unemployment lines ...

Beware of Credit One Credit cards. In the contract you accept, there is a clause that they will charge you a monthly fee even if there is no balance on the card. If you don't pay the fee on time, you get a $29 late fee...those fees for nothing add up quickly!
Then when you phone for assistance, and you FINALLY get a human, you are transferred repeatedly and they will NOT remove the fees and late fees for keeping the card open!...

I applied for their credit card trying to build/establish my credit. However just yesterday i received a bill for $74.75 which is for the enrollment and annual fees. I thought it was funny that i received the bill without having received the card first, how are you going to charge me for something i dont have nor something i've yet to even activate.I managed to call them and actually speak with somebody, however that person could barely speak a word of english and from what i got out of the conversation i was told they mail the cards separately for "security purposes"

You would figure i would have received the card before getting the bill

I also received a bill from them for $74.75 I haven't gotten a card and if I did I would not activate it because I will not pay them for a credit card. There are banks that have no fee credit card if you are in good credit standing.

Well, I should have known better than to take this card, I suppose. I took it with the idea of rebuilding my credit.

What I've noticed is an increase in fees...the fee for paying your bill online is noe almost $8.00.

Now, I see a fee of $5.00 for my monthly annual fee payment. Perhaps I'm blind, but I don't recall seeing this before.

Then, just TRY to get them on the phone. Apparently, it can't be done. I did find their corporate number. Perhaps you'd like to try it as well. It probably won't work either but here it is:

[protected]

Good hunting!

I've had a similar experience... I applied for the card, recieved the card, which required activation within 14 days... I decided I didn't want the card, figured I'd wait it out, and got a bill 2 days later for the activiation fee... called customer svc., avoiding the activation #, and was unable to speak to a live rep... kept asking me for my card #. I gave in, since this wasn't the activation #, and since the phone prompts gave no indication that it was... well, sure enough I was rewarded with a a recorded message stating the card was activated, but I was given the option to cancel by pressing "2" - I do not know any way to speak with a live operator, I'm afraid... I'll try writing, to see if there's anyway to make this card disappear.

The Card is a complete rip off I never received the card, but I did get a bill in the mail for 94 dollars.