Credit One Bank
Reviews and Complaints

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.

My name is joann james and i got a credit one bank credit card and i sent them money every month becauser at first they gave me a $500.00 credit limit which was no problem but then they put it up to $800.00 and id send them $50.00 or $100.00 or $75.00 to use the creditv card until i got tired of the limit on my card keep going up and up so in august, 2015 i sent them the $55.00 i owed them and cut the card up in pieces and told them to cancel the credit card. Im looking at the statement now and they didnt close the card till 12-14-2015 which i told them to close it the 8-2015 but they kept charging me even tho i cut the card up in august like i said and sent it back to the company. I donot aboslely have a credit one bank card.The first bill they sent me was for $900.00 the [protected] and now i got other bill which states i owe them $1, 080.99 dated [protected]. Now you tell me how could they charge me that much money on a card i told you i cut up and sent them the $55.00 i owed them the [protected] alone with the cut to pieces credit card? i want you to check with the credit one bank people and find out whos using the credit card acct.No: last four are 4942 on the statement and using my name joann james when i lived at 141 will rd., mayodan, n, .C.27027 because i donot have a credit one bank card at all and have not used one either and im not going to pay somebody elses credit payment using my name. Thats what you call fraud. I would appreciate it if you would find out who defrauding me and charge them with fraud and using my name. If you do immediately i want them to reinburse me $25, 000 for defraud me because i have been defrauded before. Please get them and send my money to me immediately and send it to me joann james 344 herny st., stanleytown, va.24168. Please rush! i need the monmey for them using my name and defrauding me okay. Thank you joann james email me back and let me know something as soon as possible please at [protected]@aol.Com thanks joann james

I owed $751 because I not working for 5 month so I can't pay my bills and when I stared working I call the bank to fixed my balance and they tell me that if I pay all my balance my account continue current and I can use my $500 credit again. Next day I try pay in the supermarquet and my card was declined when I call the bank they say that's happened because my account was cancelled. They lay to me to take my payment, with the excuse that everything is good that my account is open and if I pay my total balance I can continue used my credit card and it is not true.

I made the mistake of sending a payment of $373 by MoneyGram money order to the address in Omaha Nebraska of Credit One, according to the letter I received with my Pin Number. That was in November and I was able to check by the tracking number that it was received on Nov.21st.When the payment was not posted I got in touch with Credit One in India and for over a month I have made numerous calls and been in touch with many supervisors and managers, some of whom were difficult to understand. I was promised that I would see it posted in 24 to48 hours . After about 20 lengthy phone calls, I was informed that my money order must be in a post box in Omaha, Nebraska, where the credit cards are produced. Unfortunately they were unable to contact anybody there. They could not give me a phone number. I was asked to fax all info regarding the money order and I sent a copy of the stub, etc. I contacted the authorities and they discovered that there was no building only a rented postbox and when they contacted Credit One in Las Vegas, Nevada, they told the management it was a scam. In order to trace my money order, which I had been told on several phone calls was already found, I was told by Credit One I would have to work out something with MoneyGram, which would take 65 days and if someone should cash it in the meantime I would be even worse off. That Payment would have paid the card off! They actually had the nerve to ask for another payment despite not doing anything to help and despite the fact that I have always paid early. As a former police officer, I do not take kindly to being lied to and led up the garden path.

We have had numerous fraudulent transactions on the Company Operating Banking Account from Credit One. All charges have been disputed but seem to continue with different Credit One Clients. Even when declined transactions have been processed by our financial institution, they (Credit One) process late fees on the account. No one employed by or associated with our company has ever had or used Credit One. How do they have our banking information? and worse, it's several people's names that post. IE: John Hall; Garrett Overheul... Not sure what kind of business is being ran here going under the assumed name, Credit One but I hope our financial institution investigates and shuts them down! I am at my limits to having to close banking accounts and paying for fraud protection because of their (Credit One) negligence!