Credit One Bank
Reviews and Complaints

I think that this company is scam, but I have no proof of this. I contacted the company Credit One. I spoke with the rep, who told me that my credit line has been successfully opened. However, I started to notice that there were several charges, which were taken within couple of days. I called again to this company and the rep told me that someone invaded their system and therefore such problem occurred. But he didn’t sound too persuasive.

I got a credit one bank card for about 1.5 years to restore my credit. I made all of y payments on time. In november of 2014 I paid my card in full which I can furnish proof. At the same time I also closed my account. I received a bill in April of 2015 (5months later) stating I owed them money. These charges for interested fees, monthly fees, annual fees and late fees. This card will restore credit but it is very high in fees. I called them to figure out what happened. They said my card on file to pay my Credit one bank card was declined. I said 'I know" because I changed the number after closing the account because I read bad reviews on this might happen to me and it sure did. They fix the issue in April 2015. Today 09/03/15 I receive a bill (5months later) again, to say I owe money. They claim I did not close the account and that the fees piled up. I have 5 derogatory marks on my credit currently as I checked through capital one. This time I recorded their calls and they even stated it was THEIR mistake. They said they will report this to the credit agencies and it will be fixed and also it will be closed. I am making a statement to be aware of this card. I have paid every single card on time. When I asked the guy to speak to a manager he played dumb and continued to talk in circles with his accent and hung up on me. I called back 3 times and they continued to hang up on me. I want everyone to know that this happened to me and I will also place the recorded call on YOUTUBE! If my credit is not repaired from this I will SUE.

I opened an account with Credit one Bank, I
received a credit card for $300, missed one
payment, they call me all day, , every hour on the hour, every day, from every state in the
union, now i get calls from overseas., i put
a block on my phone now they still call, if i
am on phone, when they hang up, my phone
call is shut off, i have asked them to stop,
and discontinue the account, they got worst,
so i stopped paying, as they mad it so bad i could not keep up, what can i do, i am 74, get a Government check, can not afford to pay what they are asking ?

This credit card company has INCREDIBLY bad customer service support. As is typical with credit card companies that cut costs, they use a call center in India. However, they must use the cheapest call center in India because the customer service reps are incredibly rude and stupid. Here an example, I have two credit cards with Credit One Bank. One has an expiration date of 2/2015. I NEVER got a replacement card. I have called the Credit One Bank customer service number in India several times and I have been unable to talk to ANYONE who is smart enough to understand that I never received an updated credit card. They show that a new card with an expiration date of 2/2018 is in the system but they simply cannot comprehend that I never actually received in the card in the mail. It is unbelievable that they have people this stupid working in that call center. The second problem I have is that I cannot get online access for EITHER of my credit cards. I was able to get online when I had just one card but I took Credit One Bank up on an offer of an additional new card and that is where the problems began. I got the new card and when I tried to register it online somehow the system just could not discern that I had TWO Credit One credit cards. Now no matter what I try, I cannot get online access for either card. Even when I try to re-register the cards, I cannot get online access. In light of all my problems, I want to warn people about this credit card company. It is a third-rate, shoe string operation and definitely NOT worth the hassle. I have NOT charged anything on either card because I am afraid to. It this company is so incompetent that they cannot even mail out a new card when the old card expires, imagine how incompetent they are when it comes to any charge problems you might have on their credit card.

If you are two minutes late with a payment this company is unrelenting in their attempts to collect! They will call every 30 minutes from multiple phone numbers and NEVER leave a message. If you do happen to answer they will pressure you to make a payment immediately or, in the alternative, set up an automatic payment date. I missed making a payment by two days because I was in the hospital and when they called me the day I was discharged they were rude and insistent that I make a payment right then. I paid the card off and cancelled. BEWARE! These people are unscrupulous, heartless blood-suckers.

RE: Account Ref. Number: [protected]/ Account Number: [protected]

I received a written notice from Resurgent Capital Services regarding the above credit
card stating that I owe $757.20.

I would like a statement regarding the purchases I made on this account for which I
am being billed since I never used this card and believe this card and company to be
a scam.

Prompt attention to this matter would be appreciated.

William Barychko

In September 2014, I tried logging into the portal to check our monthly statement, but the login credentials didn't work. I thought I had forgotten them. A couple of days later, I tried again, but was still denied access. So I changed the password and logged in. There was a message that our contact info had been updated, but it wouldn't display the updated info for 3 days. (what?! a website can't display info for 3 days. red flag #1). Then it appeared that "we" had made a huge payment, like $1800 and paid an additional $9.99 to expedite the credit to our credit line. My heart leapt in my throat. We didn't have $1800 to pay that card. How could I have made such a mistake? Then I was immediately kicked out of the site. I tried logging in again, but was denied. I had to change the password again. (red flag #2). I logged into our bank statement and realized that I had NOT made a payment mistake. There were not debits from our bank account. Not only that, but in the time I was kicked out of the site, 2 charges from newegg.com had been charged to the account...conveniently for the total credit balance available. We immediately called Credit One to close the account. They sent us a fraud report, which we signed and returned. A few days later, a letter showed up saying our new card was being mailed to our new address... in Rochester, NY. We don't live in anywhere near there. We called again to cancel the card. They still shipped us a card to our correct address, even though we had canceled the account. We monitored monthly statements that showed a credit of $300 because they chalked up the newegg.com charges as fraud. However, today we received a statement with a balance due of $1800 and a payment due of $92 because...you guessed it 2 new charges to newegg.com for $2000. We called again tonight and were told the card was never canceled. We're convinced Credit One Bank and Newegg.com are running a scam and/or it's an "inside job." What do we do?!

I am complaining against Credit One Bank because their attorney has sent me one email directly, to cease and desist contact with Credit One Bank. This blocks my rights to contact Credit One Bank against the Truth in Lending Act, my right, under law, to contact the bank to notify the bank of errors on my account, or contact customer services, or utilize any service guaranteed under my "Annual Fee" they charge me $8.25 monthly for on a CLOSED ACCOUNT! The below email is from their attorney, with other witness names excluded. I have already filed a BAR complaint against the attorney in Nevada.

Dear Mr. Brown,

Credit One denies your numerous inaccurate statements, including that the Bank has failed to “pay Jams.” Such continued subterfuge by you will be addressed in Credit One’s responses to your alleged complaints with the FTC and CFPB, as well as the arbitration proceeding with Jams.

Further, you are on NOTICE that Credit One will seek all incurred legal fees, costs and damages allowed under law for any written publication by you of a defamatory remark that injures the reputation or character of an employee of Credit One.

Due to your precipitous actions, you are forthwith instructed to CEASE ALL COMMUNICATIONS WITH CREDIT ONE and direct all future communications through Jams. Further communications with anyone at Credit One, outside of Jams, will be considered harassment.

Sincerely,

Allan J. Shutt†
Counsel & Chief Compliance Officer
Credit One Bank, N.A.
585 Pilot Rd., Las Vegas, NV 89119

Credit One Bank requires all disputes to be settled via binding arbitration. After attempting to resolve my dispute with them regarding credit reporting (FCRA), without success, we both agreed to arbitration with Jams Denver.

However, I have paid the Consumer Fee which is $250 and Credit One Bank refuses (silently) to pay their share of the case management fee. They are also obligated by contract to pay all other fees in arbitration, which can easily exceed $20, 000 or more. Arbitration is a tool to avoid class actions, however, Credit One Bank is breaching its own contract by avoiding arbitration it required by contract.

I implore anyone considering Credit One Bank, or current customers with disputes, to file a dispute with the Consumer Financial Protection Bureau, especially regarding Consumer Arbitration, as these large banks are using it to thwart fairness from all Consumers illegally.

I signed up to pay my bills online, and mistakely put in incorrect checking account info into my online payment profile. When I realized what happened after my payment was declined, I called them to change my banking information and pay my bill from a different account only to find out that they froze my account- and I can only "unfreeze" it by sending a verification letter from the bank that rejected the payment. Well, I can't verify an account that doesn't exist! They won't let me change my banking information or anything. I am a customer that WANTS to pay my account, WANTS to pay my bills and WANTS to use their product, and they won't let me. The non-English speaking agent just kept reading her script over and over saying "I"m sorry, we'll be happy to help you if you just send us this letter." This is totally insane. I don't even know what to do- let it go to Collections and then pay it off?

I have been a customer with credit one bank since 2006 and always paid my bill on time. I even paid the bill due on the 15th of the month on the 9th or 10th. No problems. Recently, I had a financial situation and was unable to pay by the 17th. The calls started immediately. I do not understand how the prompt says to press one for english however, when you get someone they clearly do not have command of the english language. I could not understand the person in that the accent was just too "thick". I was then transferred to a supervisor who was worse. The supervisor was very condesending and rude. He suggested that I contact family or friends to pay the $86.00 payment and when I said I cannot the he had the nerve to ask me how I was going to pay for my daily expenses. He then told me that the account would go to collections and the payment at that time was one day late. I have subsequently called back and asked to speak to someone born in america and sounds like me. Well I am still on hold. Because I live in a multi-racial housing complex I know that the accent was pakastani or from that region. I asked if the call center was even in america and the person went to the next question. It is appalling that we in the u. S. Have to deal with individuals who have no concept of the english language and to make it worse if they did the accent is just terrible. By the way, credit one never called me when over 5 years I have paid my bill at least 7 days early. I will continue to ask for an american to help me. I am not sure who these people are but you can hear multiple voices in the background, it like eavesdropping on a sales floor. To be perfectly frank, I do not care where the person was born and raised however, I do not think asking for someone who sounds like me is unreasonable.

The creditone website has a feature which allows users to establish text or email messages warning them of things like being over limit (Which shouldn't be allowed to happen, at all), or warning of an upcoming due date. I paid all but fifty cents of my balance due, and completely forgot about the remaining change... It's certainly not an issue for me to pay it - it was just a matter of logistics (I have two bank accounts and only had the routing and account information for one of them, because my computer died).

Lately, i've been receiving lots of phone calls, so I thought i'd look to see who it was. It turns out that it's creditone. So, I stroll online to check my account, and find that they have charged me a $25.00 late fee. For fifty cents... Which I simply forgot to pay. I would have set up a reminder, of course, but their website warning service isn't actually functioning. I cannot reasonably justify paying 25.00 for a 0.50 oversight.

I faxed them... Letting them know that i'll pay the fifty cents when they remove the fee, and that if they don't, i'll pay my bill on the 25th... And then i'll close my card. We'll see one happens.

Payment not credited to account. Provided proof by senting them a copy of my bank statement that Credit One received the payment. Credit One keeps asking me to sent proof again and again never crediting the payment. Late fees are $50 per month. They did say they would remove the late fee but then requested a triple payment amount for next month. I have never been late with a payment. They got my money and I have proof they were paid and still they won't credit my account and now want larger payments...unheard of. Sounds like fraudulent billing practices to me!

I was scammed by Credit One Total. After applying for an unsecured loan, I was tricked into paying them 498.00, i was told if I don't pay them to fix my credit, I don't have a chance to get the loan. I have spent more than that already in mailing and faxing letters to credit bureaus. This is a total scam.

I have a credit one credit card and had no problem with the Activation. The problems started when my husband's business went bankrupt and he was out of a job, I fell a little behind on payments, which is totally my fault for not being able to pay. On November 15th, I go online and make an express payment. You have to pay a 9 dollar and some change processing fee go have the funds available next business day. I also paid the amount completely in full. 0.00 balance left. They called me, at LEAST 7 times plus a day. Starting at 8 in the morning, ending around 9 at night. Even after I made the payment which is super irritating. Then I check my bank to make sure it all goes through, payment completely cleared. The next day, I go to Wal-Mart and try to pay with my credit card since my husband had my bank card. 20.00 transaction, declined. 2 business days after I made my payment in full. I call credit one. The first guy who I haveno clue who is name is because he talks so fast and doesn't let me day a word, tells me no I didn't make an express payment and I basically need to deal with it and I have to wait to the next Thursday for the funds. So I hung up because that was getting nowhere...I check online, express payment trade November 15th and the see is included of 9.00. Awesome.. so I call back. The lady, same thing, talks super fast and I have no clue what she's saying... says ma'am, you did make an express payment, but your fun ds are not available because you only get forwarded 100, and the rest comes next week. That says that not one place on the website, which I told her, it says next business day. Well, ma'am, its because u paid with your checking account, you have to use a card. What?! with a checking account it comes straight from your account, better tHan the card, and its completely processed through my bank. Sorry ma'am, your not getting your funds... I ask for a supervisor. I made him repeat his name, Nathan...he was not only twice as fast, and twice as loud, he reallynwas not considerate to my situation...he gave me a 25 credit, and said sorry, you have to wait. He did graciously wave the express fee, but that was only because I didn't read the website properly.. that's what he said. SO, hung up, be cause he was useless too.. read the entire website including facts and frequent questions, it says that nowhere...absolutely NOWHERE that you only get forwarded 100 and you have to wait..in fact, I went in to see about the payment and it says debit card or checking account payment, both available the next day... not onlundid the customer service absolutely suck, but my card is still useless. I see after all the effort I made after I lose half my income, which is hard enough, and I make my payment in full AND express, I still get treated like dirt. I will be looking for a company that actually cares.

If you are trying to rebuild your credit, please, please, please do not get this credit card. I received this card, 6/28/2012. After reading the credit card's visa/mastercard carholder agreement disclosure statement and arbitration agreement, I called the number in this agreement and it is the same number that you activate the card. I spoke with a customer service rep an hour after this activation to cancelled the credit card. She assured me that the credit card was cancelled. However, I never believe most folk so I voided the card and sent it back to them certified mail the next day. On the same day 6/29/2012, I received a credit card statement dated 6/21/2012 for $25.00. There is a $75.00 annual membership fee for this card. They must think that they are american express. I will dispute the fraudulent charge via certified mail today. I called credit one again to verify that my cancellation is in effect. After the system asked me to input the credit card number. I did from the statement and I waited a few minutes to speak to a customer service rep. It was a male rep and I recorded the conversation and I asked him once more if the credit card was cancelled. He said yes. Then I looked at my credit karma account and noticed that on 7/01/2012 it is showing up as an added credit card on my credit report. Credit karma is a transunion affiliated product and they encouraged a credit one credit card. All I am saying is that you should be very careful in trusting advice about your credit situation. Credit one is costing me money by dealing with them via sending certified mail. Do not get this credit card. It is like gambling, the house is stacked against you before you even start.. They billed you before you get this card

CreditOne Bank uses offshore customer service agents to service its members accounts. On multiple occasions now, when either calling them or receiving a phone call from the agent(s), after a period of time on the phone, the line will suddenly go dead when you show any amount of displeasure or ask for a supervisor.

The final straw was when I received a long line of calls starting from 8am in the morning a week after I was laid off. When I would answer the phone there would never be anyone there, even after waiting for 30 seconds. When I finally got hold of someone, I stated to the individual that I wished to rectify the account and that I would remit payment between Thursday 7 June and Sunday 10 June. I was then told by the agent that since I had money for other bills that I should be responsible enough to pay CreditOne. When I got upset, the line went dead.

This is a normal pattern of conduct from CreditOne Bank. I have phoned two dozen times in the last four weeks because this is a systemic practice that is used by them when disagreements arise. Between irregular billings, substandard customer service, and harassing phone calls, enough is enough. I finally got hold of an agent and stated that all correspondence is to be done by mail only, and that my account is to be frozen.

I strongly discourage anyone from using CreditOne Bank for any financial dealings due to their consistent issues they have had with myself and other individuals - they have had over 300+ complaints with the BBB over the last three years alone. Clearly, this is a troubled company.

On March 14, 2012, a Trojan malware infected my computer. The name of the Trojan is "System Check." It completely stopped the activity of my computer until I bought the software for $84.50. The company is completely fraudulent and the software does not work. Prior to purchasing it, I received numerous descriptions of hardware and RAM issues that seemed to be dire. As soon as I ordered System Check, no problems whatsoever were indicated though my computer sent me messages that there were. When I called Credit One they refused to freeze the payment or to reverse the charges even after a lengthy explanation.

I recently opened a credit card with Credit One Bank, I went on vacation in April of 2011 and my bank card was lost. I had to cancel my card. I had paid Credit One prior to me leaving on vacation but they did not process the payment until a week or so after so when they went to process the payment it was bounced back to them (because that card # they had was reported stollen) so they called me and I gave them the new card number.

The following month I tried without success to register on thier website so that I would be able to view my account and pay my bill online. Customer service did not have any idea as to how to help me register to be able to use thier website. I then received a notice in the mail telling me that my account was again past due (they kept using my stolen card# to pay my bill!) so I once again gave them my new information and paid my bill + a 20.00 late fee.

Finally, I called and demanded that someone try and help to get ne registered online (this is right after I made a 70.00 payment to them) it was at this time that I was told that my account had been closed due to returned payments! After explaining and proving that the mistake was on thier end, they still wanted me to get a letter from my bank stating when my card was stolen so that they could reopen my account! So I bascically have to suffer for THIER Mistake! I told them I will never do business with them ever again and they did me a favor by closing my account.. their interest rates are very high and they charge 20.00 late fee ON TOP of an annual fee.. BEWARE, , they are full of tricks to get you to get a credit card from them!