Credit One Bank
Reviews and Complaints

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).

I paid on my credit one bank account, and they admit there is $130 room in it to charge on. My debit bank account is almost filled up. Any more with-
Drawals, will mean a $35 overdraft. I ask them to activate the account, and
Three times they say they will, three times the vendor machine says card
'declined.' there is room in the account! They say I can use it! Once i
Get paid in 10 days, I will pay them promptly! Can you please tell them
To stop playing games, open up my account so I will not overdraft with the
Bank, before my payroll deposit? [protected] is the credit one number
Kenneth reilly is the name on the card. Cell [protected]

This is my first credit card and I honestly enjoyed how easy it was to maintain. It helped my credit score, easy payments, website, etc. One time I decided to make a payment with a different bank account and my Credit One Bank credit account was closed and access was suspended. I called Credit One customer service and was told that the only way to revoke this status was to mail a bank validation letter with my bank information to the hq in Las Vegas, Nevada. Initially, I was against sending my bank information in the mail. The customer service rep offered no alternatives and so I gave in. I mailed my information through USPS certified mail, which means the recipient has to sign upon arrival. I also included the tracking service to make sure that my information was received by Credit One.

USPS Tracking services shows that my letter was received on Feb 17 2018, a Saturday. I called and confirmed that Credit One had actually received my letter on Feb 20 2018, a Monday, and that made sense. I was told that it would take 7-10 business days for Credit One to process my information, and then an additional 7-10 business days to allow access to my account again. That seemed like a long stretch and the customer service rep waived the late fee for Feb 2018 while my letter was processed.

I called Credit One customer service on March 8 2018 and was told that my information was received in Feb 2018 and still under review. I was told that I should try again next week since it will be past the 20 business day total. Now, it is March 19 2018 and I called to check the status of my account in hopes that it was no longer suspended. First of all, the customer service rep was short and rude. Second of all, the rep tried to tell me that my information had just been received on March 14 2018. I said No, it was received in February 2018 and she said "My records indicate that it was received on March 14 2018. If you are worried about your payment, you should have mailed a Moneygram 7-10 business days prior to your due date, " to which I proceeded to tell her that I would not make any payments by mail. "You can try to check the status of your account again in 7-10 business days. This is the last courtesy that I can give Ms. Banuelos"

My question is, what was the point of sending in my bank information, waiting more than a month to only find that my account is still under review? And now I'm expected to wait an additional 7-10 business days to call and check, only to be told that I should call again in another 7-10 days and continue to watch my credit score drop because Credit One Bank cannot seem to get their documentation in order.

Absolutely ridiculous.

I had this card for two weeks. Didn't charge a single thing on it. I went online to set up the account, and I kept getting error messages due to problems with their web page. Finally got set up. When I tried to pay my bill online, they charge you $10 if you want to pay your bill with a debit card. That was way too much for me. There is no way you can send or talk to a customer service person if you have a complaint, so I had to call the stolen card number. Got transferred twice to other departments (all in India). Finally had to talk to a supervisor who could do nothing for me. He could not even close my account. I had to pay the $75 annual fee (which I did). This card and this company seems predatory and uncaring.

Credit One Bank Credit Card
Nicolas Vasquez
Acct # [protected]
[protected]@gmail.com

I am unable to locate available TTY contact information for customer service with Credit One Bank. I am very frustrated that a large company such as yours does not easily provide information for persons with hearing disabilities. Please make available a TTY phone number or other acccessible means so, that I may have the ability to manage my account.

I need assistance with a Credit Card Replacement for a lost card and also need to update my mailing address and phone number.

Nicolas Vasquez

To Whom it may be concern

My name is Mason Alesia
I have a credit card with your company, I was applying for a job with
United States Postal Service, was trying to purchase a Kit so I may
study for a test with the Postal Service, when checking my payment was
taken by a company that have nothing to due with the Post Office
the company is call USPS.JOB.COM, when contacting the United States
Postal Service I was informed that this company have nothing to due
with them. this item posted to my card on
1/24/18
reference # 2469029D70FVFLNTM
[protected] 800-43-9
Amount-43.99

I was told to contact my credit card company, please I need your help

Thank you,

Alesia Mason
PS: YOU MAY CONTACT ME AT [protected]
1548 WEST 36th St
Riviera Beach, Fla 33404

This company is so screwed up. Both my husband and myself had their credit card and we cannot access the Website. Internet Explorer will not access their site to pay our bills even if you press the ALLOW sign. They have some type of code that will not open the site. If you pay by phone they charge you $9.95! I sent them a message yesterday on their site on Facebook but have not got an answer. I called them and the gentleman I spoke with could not correct English and the connection was horrible. I have had this card for over year and it has been a problem all along with logging in. I do not get paper bills so I have to pay by the internet. Not a good site and not a good bank!

The website has been down for at least 3 weeks that I know of. Today is 12/28/17 and it still remains down. No notice or email update received. Yet, I did receive an email this morning prompting me to pay my bill online. Website down! Unprofessional and inept. Also very irritated that you have to go through REQUIRED prompts every single time wanting them to update the design of your card at a fee or some other service at a fee, even though you decline each time it prompts every SINGLE time you access the page.

I have been using your credit card for years and never had a problem and added the additional fee for the benefit in case I get injured and cant make a payment for up to six months which is costing me more. I make my payments on time every month. Have never missed a payment except once when I was sick and asked for an extension. I either pay it early or pay more than the minimum. I paid my bill which was for 50.00 on Dec. 4th being as it is the holiday I paid it early and paid more. Now I am being told that your billing cycle is the 5th. of the month so that payment counted for November which I already paid and now they say the 60.00 I paid Dec. 4th. doesn't count for this month so I still owe you another 50.00. I do not have another 50.00. I am on disability and it is the holiday my extra money went to buying my grandchildren presents for Christmas. I have spoken to 3 separate supervisors who all have given me different answers. One said it would take 5 days to know, but no guarantees, so I called spoke to another and he said it would be off in 72 hours, that didn't work, now today the new supervisor says it takes 7-10 business days and the payment is due in 7 days. I originally called Dec. 18th. Help me out here please. All I want for Christmas is for my December payment of 60.00 to go towards December payment please. Thank you. Pamela Bean Merry Christmas.

they sent an approval notice to my home address which stated I was approved for a $1500.00 credit limit.I filled it out online only to get for $400.00
credit limit which is actually only $325.00 due to them subtracting a $75.00 fee and then sending a billing statement to my home address stating that I need to pay the balance or 25 a month by Jan 1-2018..How can they make you pay a balance on a credit card statement when the credit card was never activated.I will NOT and I refuse to pay this! It is unlawful and against the law to charge a person for something thats not even active.No wonder why they are getting smacked with so many lawsuits..I want this card that has not been activated by me cancelled out ( entire account) and I also want proof that it has been cancelled

Hello,
I spoke with a CreditOne Bank Credit Specialist about the New Card I recieved to build additional credit to my good credit history.

Upon recieving the New Card I was granted a $300. limit but charged $78. Fee right off top, Along with my $40. spendings, The Card was reported as having a 41% Spending amount on it in 13 Days without giving me sufficient time to make a payment before the first Report to the Credit Bureaus when they approved me on November 20th, That alone caused me Credit score to go from 653 to 554 due to the Fast Report.

CreditOne Bank Specialist Advised me for "New Card Holder Customers" they DO NOT Report to the Consumer Credit Bureaus until a 30 to 60 Day period has taken placed.

I am requesting for my first consumer report be removed and reported in a timely maner as Company Policies report in the 30 to 60 day time frame to give me the appropiate time to make and continue making good payment history as a "New Card Holder"

Sincerely: Mr. Isaac D. Saddler
Tel. # [protected]

MY name is Brenda Rodriguez and I'm sending this message because I called capital one fraud and told them about a phone call I received regarding a lower interest rate from someone claiming to be from your company. The phone # they called from is [protected].When I called the # back it was disconnected.They wanted the expiration date on my card and I wouldn't give it.I also didn't verify my acct #.I just want to make sure my accts.are not used by anyone else. Thank you

On the 8th of November I paid Credit One Card my payment of $25 and was confirmed, Then on the 16th I received notice that Credit One did not receive the confirmed payment and now I needed to pay $50 this was paid again and confirmed again. Then I get this letter in the mail saying they returned the first payment of $25 due to unable to locate. My question is if you cannot locate my account where did you return the payment? But wait there is more, the last sentence in the letter I received today was advising me that there was a returned payment of $25 and if there are any future returns would result in account closure Do you even have to ask, the day I receive this letter, I check my account and sure enough it is closed. This is unacceptable and will not be tolerated. The best resolution to this matter would be to just shake hands on it and I will never do business with them again. Their part is they will not try to collect on the closed account. From this day forward it will be like we never did business together. No turning me over to collections or any repercussion's to my credit score Because I was paying my bill on time and was not given the consideration of explanation. My Packard is with my employer and I assure you it is locatable. There is no excuse for not handling my account properly and here at the start of holiday season. Shame on Credit One for being so callous.

I can never access the website. I've changed usernames and passwords, tried different browsers and keep getting the same result. When I do speak with customer service, it's always someone I have trouble understanding. When I ask to speak with someone in the US, I'm told that I cant be transferred. This is not right and I don't want to do business with this company if I'm unable to communicate.

Please stop calling me. I spoke with a representative (Matasha ) a little while ago and explained to her I was in the process of filing bankruptcy and currently still am. I have obtain an attorney and that is Hurley Whitacker [protected]. any further information needed please talk to him. Thank you.
I regret deeply for doing this but I have no other choice. Please understand.

This cc company is ridiculous! They have drafted $60 from my account for my payment, twice and proceed to call me and my wife 4 times each a day for the past two weeks while my wife is at work and I am asleep (I work third) to tell me my payment is due, that's been paid, twice! That is, so far this week 32 calls between the both of us since monday and so far today (11/10/2017) since I have gotten home from work I have had 4 calls and my wife 3. Then these [censor] suspend my online account so I can't even get online to look at anything. Is this harrasment? I've cut up the card! I'm done with these [censor] - so, now that I can not get online to pay them this will hit my credit and ill have to pay for this companies downfall!
Credit one bank credit card company is not worth the time! If you are trying to build or help your credit find someone else to help besides these [censor]!

I am outraged. CreditOne Bank does not stand by its policy. I made an express payment for 439.95 (9.95 express payment fee) on October 16, 2017. I checked my account and saw that it had not posted. I checked by bank account and saw it had cleared. I called CreditOne Bank and we spoke with my bank on a three way call. The bank manager told the representative that it had posted/cleared. The representative who was offshore stated that the manager did not provide enough information. This is unreal! I will never do business with CreditOne Bank ever! I encourage all to stay away from this bank. They are worse than Wells Fargo.

on 9/29/17 I ordered an eye serum and a face cream. The advertisement was on Facebook. I ordered with the understanding that they will only charge the shipping of $4.95 and it was a free trial. There were no indications that you would be charged $89.95 twice after 14 days. Now they have access to my credit card and I am very upset. I called Creditone office and they claimed that I have to send a hard copy of the complaint. This takes too long and it will cause me more bills! I had to search for this complaint form on line because your website does not provide such service. If I had used my PayPal card, they would take care of it in one day and meanwhile put a stop to this party getting anymore money. They would not waste time asking for hard copies. See attachments. I need this stopped ASAP, as I learned that this is a fraud that has happened to many!

Miriam Tierno
2983 (last 4 digits of card)

I received a notice from Credit One bank about a month ago telling me that my account may have been compromised..so they would be sending a new card..with new account number. I received the new card..activated it..and disposed of the old one. I've made one payment online already to my account using the NEW account number. THEY are now telling me that my account under the OLD number has been charged off..and it is reflecting on my credit! THEY are completely dis-organized..and have EVERYTHING completely screwed up! I've given ONE day to correct the matter, or I'm filing a complaint with the CFPB...as well as engaging a private attorney. Knowing their track record..they will NOT correct the problem. They're incompetent .