Credit One Bank
Reviews and Complaints

I just received my third phone call from these people claiming that I owe them $800. I have never even heard of these people before. I asked for teh last four digits of the social security number of the person they were chasing and they were not mine. However, they did get our unlisted phone number and they did call me at work. Where did they get that information from is beyond me. Next step is our attorney. We recorded the third call where I shared with them that it is against the law to share the debt of one person with a third party. I would never do business with this company if they were the last company on earth. I hope someone busts their balls!

This company calls me constantly at all hours of the day. I eventually started blocking the numbers they're calling from, but they keep calling from different numbers. Even when I make payments on the account, I get multiple calls. This is getting ridiculous. I have reported them, so we'll see what happens.

try and speak with any supervisor and dont hungup until you get resolution.try and call on saturday.customer service number [protected].

CREDIT ONE BANK IS RUINING MY LIFE THEY CALL AND CALL AND CALL ALL DAY LONG

Oh and everytime I call they speak spanish half the time... Maybe this company is in someones basement... who knows these days

I too have problems with credit one bank... I was late on a payment (take into consideration the I only used my card ONE TIME at the gas pump for $10 dollars the whole time I had it) once by a week and was charged $32 dollars THEN i got charged $40 dollars for some annual payment when i had only had my card for 3 months... I called them and told them to take it off cuz i was not paying it what did they do give me another late fee. I told them to close my account and they said they did NOPE they didnt I just kept getting late fees for stupid stuff I now owe them over $300 dollars. I have no clue what to do, can someone help me? PLEASE!

I got this card accessed it for emergencies only, have never used it, then low and behold I received a bill.A BILL FOR WHAT? Never using this card has already cost me a 250.00 bill. And thats not adding on all the fees I seem to have accumulated. Now how does that work? Racking up bills and never leaving the wallet.Its unfair and fraudulent to all of us.

I never plan on using the card, not after receiving a bill and then seeing the interest rate they are charging me,on a card I never used,and the other people that have sent in their complaints your right you can't get blood out of a turnip. Nor can you get a decent credit card these days.

Wow! Their scheme is to take your payment over the net . . . but Whoops! . . . the payment does not post. "Gee, we're so sorry. Ninety-nine percent of the time they post correctly." This is a scam! They don't post on purpose so they can charge you a late fee. THEN they call you and tell you that your account is delinquent and ask for an immediate payment. You are incredulous that your account is delinquent so you give them the money. You're ripped off . . . as I have been.

I agree. I got the card to help to build my credit I was given a 250 limit but they had already charge 180 in fees leaving a balance of $70. I spent $50 and was hit with more fees that pushed me over the balance. Then I got charge over-balance fees. When I tried to fight it I got eventually got more fee ie late fees. I think companies like this should not be allowed to do business.

I recently got the Credit One Card and had made two purchases. If I had read the comment before about Bank One, I would never have an account with them. The service is indeed poor. I never received my statement in the mail so they charged me a late fee. When I complain to the manager, they said there's nothing they can do. I received my statement two weeks after they have charged me for the late fee. Bank One s*ck.

First off this company has been known to rip people off and they have lawsuits coming out the a**. File a complaint with the Federal Trade Commission and Office of Thrift Supervision.

I too have one of these cards, i was late on a payment by 2 days and was charged a late fee (which i understand) so my account went to -$38 due to the $32 late fee they charged me, well today i went to check my account online and see if they received my payment of $100 that i sent early this week and i noticed my account was now at -$111, how did it got from -$38 to -$111 basically overnight. Customer service gives me the run around or cant explain why.I threanted to file a complaint on them with the FTC and BBB as well as the FBI.They quickly hung up on me...how's that for being professional.

Anyways my credit line was only $250.00 but they are now claiming after calling back right now that owe $366.00

Be aware! Credit One has been known to sit on payments just so they can charge people late fees and other ridiculous charges. Example the first month i had this card, they didn't process my monthly payment until 2 weeks after the due date, funny thing is i sent it a week and a half before it was even due and i have bank receipts to prove...stay away and just file a complaint.

These people have been sued before by the government, they were ordered to pay back millions in money they took from unsuspecting customers, however they just changed their name to credit One bank in hopes to avoid paying any money. They were known as First National Bank Of Marin.

I agree. Wish I would of searched out the name 'credit one bank' online cause harassing calls, for a zero dollar bill. I filed a complaint with the FTC and Attorney general and perhaps I'll file with others. Can't wait for the NEW consumer protection agency. In fact I'm soooo annoyed by this company and I have a bit of free time I'm just going to actively file reports everywhere I can. I will make waves!

This bank started harassing me when I was late for a $20 payment...they have since been making harassing phone calls at ALL HOURS...starting at about 4 am and going until midnight. They will not rest and are going to extreme measures to collect a very small amount of money. I have since asked to close my account, but was assured I would still be collecting interest and late fees until my acct was paid in full. This bank is guilty of predatory lending and harassment. STAY AWAY FROM THIS BANK.

Ive been fighting them sence Oct 2008 I finally found a website to file a complaint I urge all credit one bank card holders to file a complaint against them ASAP. www.helpwithmybank.com. maybe with enough complaint they will do something about this company like shut them down

I got sick of paying the $6 fee to pay via EFT so decided to send a check. My bank's on-line bill pay showed it often takes 2 weeks for CreditOne to apply payments so I sent my payment due on the 5th of May on the 15th of April. The payment was received on the 20th and applied to my account. On the 5th CreditOne hit my account with a late fee of $29 because apparently I paid too early. So either I pay the $6 to ensure the payment is applied in time or risk my check being received too early or too late. I've sent a request in writing for the account to be closed. I refuse to do future business with this company.

THIS BANK IS ROBBING PEOPLE EVERYONE IN AMERICA NEEDS TO FIND OUT THE WOLVES IN VEGAS. AND EVERYONE WONDERS WHY LAS VEGAS HAS THE NUMBER ONE FORCLOSERS IN THE STATES. THE BANKS ARE THIVES. I HOPE THEY GO BANKRUPT OF GET SHUT DOWN BY THE FDIC. WATCH YOUR WALLETS BACAUSE YOUR GETTING ROBBED.

I'm being ripped off by them as we speak.My account was sitting at +$47.00, i sent my minimum payment of $20 in a week before it was due, it was due on Dec 21st. Well they still claim to have not received it and today is the 28th, they have been known to sit on payments and wait to process them in order to charge us late fees.

Now yesterday i called them and complained because i checked my account balance and it was -$17.00, they admitted it was there mistake and as a "courtesy" they would fix the balance and waive this late fee they charged me.Even with the $32.00 late fee, there's no way i should be in the hole that much.

So today i checked my account balance and nothing has been fixed, actually im now sitting at -$27.00, where did the extra $10.00 come from? their customer service is rude and aggressive and cant comprehend what you are trying to tell them.They keep avoiding the questions at hand.

If my account isn't fixed by tomorrow i will be contacting the Attorney General in my state as well as in Credit Ones.Also i will be filing a complaint with the FTC and F.B.I. these people have been investigated before and sued.

They use to be known as the First National Bank Of Marin, but they were sued and forced to pay back millions of dollars to their customers that they wrongfully took from them or charged them, guess they thought by changing their name they would be in the clear. Not anymore.

I just off the phone with these ignorant low lives. I canceled my card after trying to work out a peyment agreement. They refused and now are charging me three extra dollars a month for canceling my account. I was willing work out a payment ageement. But, they said they do not do this. MY interest rate is 23.9 percent. monthly service fee is $5.95 and it's $7.95 to make a payment online. If your payment is one minute after the 24 hour before the due date deadline. It is a $29.0 dollars fee. These people are THIEVING BLOOD SUCK ING VERMIN. Do yourself a favor and avoid these people.

they are a bunch of thieves. I cannot believe it is legal to actually charge you to make a payment!

This card is a racket. On top of the listed complaints of unnecessary late charges and a complete inability to cancel the card (the number provided on the card and on the website - when it'd not "being updated for better customer service" - ha! - do just loop you through a menu), someone in the organization started withdrawing money from my personal checking account. Luckily Bank of America is on top of these things and despite their attempt to steal $2, 000 over a weekend, I didn't lose any money.

Stay FAR away from this card!

I agree with you 100 percent. Every time that I make a payment they take out so many fees that Im over limit. It don't matter how many times I pay a month Im still charged an Annual Fee of $6.95, a finance charge of $17.00 and $37.00 Late charges and more. After all said and done It usually come's to what I paid and 47 Cents over limit. I paid $60.00 last time and I owe late charges again because the total of all fees came to, what do you know $60.47. Great Company And your right no one to talk too, and no one to e-mail.

The American people bailed them out when they were going down the tubes. Now, they found a way to charge us to pay for the payback. Not cool at all! How stupid do you think the consumers are and how long do you think they will let you get away with this. We should all file BANKRUPTCY and leave them stuck with the unpaid debts! This would put them back at square one, over a barrel like they think they have us. The wisdom of a 75 year old.

Angie H

Im experiencing the same issue with these LOW LIFES They have called me numerous times I have responded in writing they seem to never get my responses or ever document the phone conversations when I tell them I never ordered or recieved or used their card. Every call has no record of the previous call when I tell them I did not use the card. They have sent a half a dozen collection companies after me and It is still going on 3 years late starting at $250.00 now its up to $650.00 Unbelievable isn't it.

I will totally disagree with all the complaints that is online.You people use credit card companies to rebuilt your credit history so that YOU can have good life.Credit card companies also have right to earn.regarding making payment online, the website is www.creditonebank.com.you have to login with your username and password.if you are unable to do that, then call customer service at [protected]

So, I have had this card for about a year. I haven't had any issues making payments through their app I downloaded or through my banks on line bill pay.
Payments and charges do take a little longer to show on this card.
There is a $1+ fee each month and a $8.25 fee which appears it may be yearly (?) on my bill this month.
If you need to make payments faster than mailing them, use the app or on line bill pay through your bank and it won't generate fees.
I only got the card to rebuild credit also and have obtained other lines as well. Eventually, I will close this account. I am glad everyone posted their experiences so that I will be prepared for their antics.
Thank you everyone for sharing your experiences. I am so sorry for you troubles.

When I called the 3rd time, after getting nothing but automated service, I just started pressing 000000000000000000000 and it transferred me to a person! SERIOUSLY!

I just started pressing 0000000000000000000000000000, SERIOUSLY and I actually got a person on the line! Try it!

I just went through a bizarre experience with this company which caused me to go to this site and now I am very concerned. My intention is to pay off this card as soon as possible so this month I paid my regular payment and then two days later attempted to pay off half the balance. I was not allowed to make the online payment. I was told I had to go through a 5-10 day process to make a second payment. The process includes allowing them to make two small deposits (less than a $1.00) and then one withdrawal of the amount. Once that process was completed I would need to sign on to my account with them and confirm the withdrawal amount; then make the second payment. I have never heard of such a thing. I am worried I am being scammed but not sure how. After reading these posts I plan to forget about the half balance payment and just go for the complete balance payment. Any feedback would be appreciated.

Thank you for your reviews everyone. after seeing no cancellation option online I decided to do some research and found this page, and immediately got pissed off. called them up using that 877 number and explained that i'm planning to pay my remaining balance off within the next month and that after that I wish to cancel. I told them I went online and found countless reviews about the cancellation process being frustrating and that I will not put up with that [censored] when i'm ready to cancel, and wanted to verify what the process actually was. got transferred to a specialist who asked me why I wanted to cancel. "I have other cards with better rates but also honestly I am completely turned off by the lack of cancellation options and the reviews I read. I know it is your job to try to keep this account open, and i'm sorry, but please do not bother. I don't care what you offer me. my mind is made up.". homeboy starts to try to talk me into staying anyway and I cut him off "see this is exactly the kind of experience I read about int he reviews and i'm not going to deal with it. I will be closing this account and I want you to assure me that i'll be able to do so." he then tells me that it won't be a problem and offers to refund one of the late fees from a few months back, plus the annual fee. I say "thank you that's very generous of you but if that will at all interfere with me cancelling my account then no thanks." assures me it won't interfere and that when it's time to cancel, they will respect my decision. so far the refund hasn't shown up but maybe it takes some time to process. I will be back to follow up once i've actually successfully cancelled this account. for anyone trying to cancel their account, I recommend just calling them out on all this from the get-go, letting them know you're aware of others' experiences trying to cancel and that you will not put up with it. hope this helps. to be continued.

Had this card for almost 10 years to the day. Wasn’t being used had to close it. I was tired of paying $8 and change every month. Called early in the morning and they kept trying to find reasons to keep me. I had to stop them and say can you just stop all of that and close my account please and thank you. Tried to say I wouldn’t have to pay the monthly fee for 2 months so I said what happens after that I would still have to pay and as you can see the card hasn’t been used for 2 years lol no response ! Now they claim a letter will be in the mail.

Okay, so after 5 years with this bank I decided to close the account because I wasn't using it anymore. I have to say, even though their interest is outrageous and the fees are insane, this credit card served the purpose. now I have other credit cards that I actually use.

So, I went into their website to close the account and immediately freaked out because they don't have a phone number or an option in their website to close the account. someone in this same forum gave some sketchy instructions on how to get a hold of a human and it actually worked. [protected] number and entered 1 for english, my last four digits of social security number and after the recording gave me the menu options, I pressed 0, then # then 0 again and the star.)

The easiest way to get rid of a credit card without getting any comment back is saying that you are moving out of the united states and you need to close all your credit cards. the lady was really nice, bad english but managed to "close" it. saying that since my balance was $0 I was not going to get charged for any fees. then she said: "the account has been closed". it was so weird because I could still access the account online... I will be keeping an eye on it, going on it like a horoscope!

I hope the above helps... good luck with this [censor] bank everyone! :)

Worse card ever! even if your desperate do not apply!

Bad fees, never able to talk to anyone.

I maybe used 150 of it and had over 35 dollars in fees monthly, plus their fees to have the lame card.

Paying it off and closing it. worst card ever!

Do anybody know how to close the accounts... I been trying to close this credit. I call them and they keep making offers stuff to me. so I was wondering anybody would know how to close the cards. it charge me 75.00 dollar. what the address to close this cards.

I do need my Credit One Bank bill statement online right now so I can print!

Contact the Attorney General's office of your state and Nevada / California.

People need to listen tothis person! I had several charge accounts involved with my 2003 bankruptcy--guess what--they decided to change companies..they did and gave me a bad bad rating on my credit. I challenged it for years but when I had to file bankruptcy again because I had been laid off at work their account was still showing up as open! Criminals at their best!

Stay away from this company, they claim to help people rebuild their credit but instead they rape it and make it worse then it was.

I PAID ON MY ACCOUNT AND STILL HAD A BALANCE OF .03 CENTS, I TOLD THEM TO CLOSE MY ACCOUNT. THEY TOLD ME THAT IT TAKES 21 DAYS TO CLOSE MY ACCOUNT THEY WOULD CHARGE ME $6.50 FOR CLOSING IT AND THAT I WOULD ACCRUE DAILY FINANCE CHARGES ON THE BALANCE UTIL MY NEXT STATEMENT CAME OUT ON 05/09/2010. I TOLD THEM THAT I JUST BAID THE BALANCE BUT PAID IT .03 CENTS SHORT. THEIR RESPONSE IT DOESN'T MATTER. THE CREDIT CARD LAW JUST RECENTLY PASSED WAS TO HELP US CONSUMERS AVOID SHAMS LIKE THIS BUT IT SEEMS THET THEY HAVE FOUND VERY CREATIVE WAYS TO AVOID ADHERING TO THE LAW.

I pay double the pmt amount each month, , but still get over the limit charges, i dont nor have not used the card in 6 months. This company is a rip off.

I have been trying to activate my new credit card, but no matter what number I use they won't recognize the numbers I enter in of my cards. And they hang up one me. I am beginning to wonder if they even have people working for them, that can actually answer the phone, instead of just a robot .

try www.gethuman.com
this webiste tells you how to get around automated phone systems for many companies.
Good luck.

I would like to encourage everyone out there to report Credit One to the FBI. With the whole financial industry going up in smoke for the reasons that people who have been dealing with Credit One already knew about, the FBI is investigating companies right now. Here is a link:

https://tips.fbi.gov/

I have tried everything to get these people to work with me and they refuse. I reported them to the BBB, the Federal Government, and the Attorney General in their state. None of this helped. They have been screwing me over for three years. Please report them to the FBI.