Credit One Bank review: fraudulent billing practices! 173

I never heard of these people before I actually received a card from them in the mail, which I DID NOT apply for. I ignored it, since the letter said I could call and activate it, or if I did not, it would automatically be cancelled. WRONG! Instead a couple weeks later I get a bill for $75 for the "annual fee". When I called the customer service number on the bill, a recording thanked me for activating my card! When I finally got ahold of a real person they were decent enough and said they would remove the charge and close my account (which I never applied for!). He also said to disregard any future offers, which I replied with firmly stating I didn't ever want to hear a word from them again. So beware just ignoring the cards they sent, make sure you get ahold of someone right away and be straight forward or they will just send you bills for nothing!

I got this great offer from Credit One Bank and was given a $500.00 limit. It came just in time to pay for my auto tags, which was $390.0 and all was great. Next, I am receiving over the limit notifications, so I check my account only to find a charge of $6.95 for my credit card design fee, just an American flag on the front, $34.95 for adding an additional user, my spouse to the account and finally $74.95 just for having the card, which they extended until 7/2014. Everything totaled brought my account to .43 cents over my limit. What a bunch of crap. Whe I get paid, I am going to pay this card off and close the f-ing account before they can come up with additional charges. I do not recommend this card or bank to anybody.

This card is impossible to pay off if you want to pay at a slow, steady rate. The interest is exorbitant, they con you into their "insurance" which is nothing short of an added fee, and they bill you monthy for their annual fee. In short, I was being charged $8 in interest, about $3 in insurance, and $8 in annual fees on a $400 balance. With a $30 minimum monthly payment, it's nearly impossible to shake this debt. The solution? Apply for a 0% introductory rate card that has no annual feeand transfer the balance. Might I suggest Capital One? That's what I did. Let this be a lesson learned. Do not buy the item if you cannot pay in cash. Credit should only be used in emergencies if you already are in debt. It's called common sense.

This card is the worst credit card ever. My balance goes up every single month and i barely use it...Interest charges - through the roof. Annual Fee - $99. (which they charge 8.25 everymonth). credit protection fees which i did not apply for...and even with those fees my account was not protected. some one charged $200.00 on my account with credit one, i called to file a dispute, they said i have to write a letter and fax it..I dont even have a damn fax machine. and I can barely afford stamps thanks to this fradulent credit company. Please send an e-mail to Maple2008@aol.com so he can address this issue to the FDIC becuase i simply dont have time

I have been using the Card One for about six months and I'm amazed they are allowed to operate at all.

I came back from taking my Parents to Heathrow airport. I parked in a car park as I wanted to wait with them and make sure they got on their way to Lanzarote for a holiday OK. I got back to the car about 2 hours later and drove to the exit and put my Card One card into the machine where it was refused. I had a queue of cars behind me and was getting a bit embarrassed that my card wasn't working when I know I had plenty of credit. I called Card One to be told that they had a company policy to not allow the use of their card at any car park. This is to help me control my money, I was told. I ended up having to go back to the terminal draw some cash on the card, for which card one charge me for the pleasure, then go back to the car park to get my car. I have had a good look at the Card One web site - there is no mention of there being any companies or situations that have been blacklisted by Card One, there is a statement that not all retailers can take the card but that is a standard statement and covers them if a card machine is faulty or the merchant has some issue of their own. I rang Card ONe and asked if there were other business's and situations where my card will not work in a machine. The operator told me that there were. I asked for a list of these companies so that I did not get into this unpleasant situation again. He said that he was not allowed to give me the list of companies that Card One would disallow transactions.

How on earth are we supposed to know where you can and can't use their card, its just a lottery. I have since had the card refused at a petrol station and my local supermarket.

Final straw! - I wanted to pay in a cheque. Found that I had to order a paying in slip from them at £3.50. This is just licensed robbery.

Please, please please, if you are reading this do not waste you money and efforts with Card One Banking.

Carl

Credit One Bank has to be the biggest scam of a credit card bank going. I can't tell you the nightmares I have with the bank and their ignorant customer service reps and supervisors and I've only had this card for a week! DO NOT GET A CREDIT CARD WITH THE COMPANY, EVER. I don't care how hard up you're up for CASH, DO NOT, I REPEAT DO NOT GO WITH THIS CREDIT CARD BANK!

My niece has this card since July and has no problems with it so i dont know what anybody is complaining about what do you think a card is free no it comes with fees if you did not wabt it you should have never aplied for it it comes out of your credit limit i aplied for one and will be recieveing it shortly but it does build your credit...

I signed up for this card a couple of months ago, having the intent of charging only what I can afford to pay off every month. So far it's been great. Yes there are fees up the wazoo, but you guys need to read their terms and conditions. Every fee is listed in there. Including the initial annual fee, the annual fee that's broken up over 12 months after the 1st year. The only thing I was frustrated with was they don't tell you what is considered a "premium" credit card design and charge you- I just ordered the basic black credit one design. I question their logo which is similar to Capital One as well. But, again, it's my fault I got into a bad credit situation and trying to rebuild I have to accept responsibility for the fact credit card companies will take advantage of the fact that I have crappy credit.

I do not understand, though, why when I paid off my balance last month, I get a credit card bill for $1.51 for interest charges. I will be contacting the Las Vegas office to question that one.

I just received my Credit One Bank Credit Card. I just activated it with the credit limit of $300. I tried to go online to pay two parking tickets which totaled to $112.00. When i put in my card information, there was a message that appeared informing me that the card has been declined. I've never had an issue like this before and I hope that I did something wrong on my part. If it's them, then i'm cancelling this account immediately.

hello im dealing with these people, i have two complaints 15 calls a day, non english speaking customer service, which is a pain in the ###, they dont understand and they dont listen to u, i have had to get pissed to try and get these people to listen, i wouldnt recomend these jerks to anyone, like dealing with the mafia, im expecting a big guy at my front door, i would recommend this credit card company to anyone just throw ap away i wish i had now im paying for my stupid self. save your self alot of grief stay away from this company CREDIT ONE BANK SUCKS RIPP OFF COMPANY .

CREDIT ONE IS A THIEF, A WOLF IN SHEEPS CLOTHING, BEWARE! I obtained my card with credit one "bank" approx. 3 years ago. My initial available balance with them was 200.00. I was working and in good health at that time so I allowed automatic payments to come out of my account every month, typically I paid double the minimum payment, to increase my credit score. I noticed that there were some charges on my statement that credit one was charging me that were not (to my knowledge) anywhere on the agreement of terms. I called repeatedly, tried contacting them via web site (where I applied for the card) never once did anyone (customer service) respond to my need for help in fixing their errors. I lost my job, due to an illness that had me in a wheel chair, hospitals, cancer specialist etc. I tried to reach them before I was late on any payments, I was going to ask about the insurance I purchased to protect me incase of a situation like this and to tell them what was happening with my health/job and see if there was anything I could do to keep my great rating with them from being destroyed. Again, no response. I wrote them a letter, no response. Soon, my payments stopped being made because food, water & electric was necessity for my 14 y.o daughter and I. The long of the short of it, I contacted several debt consolidation companies (the most professional & helpful was care-one) ironically, all the companies said the same thing "Oh, you have a credit one card, they will not work with us or their customers". So, my credit limit that had been raised to 500, of which I used 329.00, is now up to 1200 dollars with late fees, over the limit fees (from their late fees, no use fees, etc. I did finally reach someone about 6 months ago, explained what was happening, she said "that is not the c/c companies problem and I owe the balance in full immediately". I asked for a manager and was told there was not a manager in on that day! I asked her for the name of a customer service manager and a finance manager, she told me she could not give out that information! I asked for their direct number so I could reach one of them the following day, again, she responded we can not give out that information...and then the line mysteriously disconnected! How is this possible that they can charge me almost 1000.00 in fee's, against my 329.00 purchases total? Is this legal? Isn't there some kind of cap on the extent that big "banks" can rape and pillage you? I feel trapped & threatened by these people! I have never experienced anything like this, I have had credit since I was 16. I have dealt with many banks and c/c companies and I haven't ever felt so "stuck" or
"--cked" by a financial institution. They should be shut down by the federal banking and finance commission, after a huge lawsuit makes them liable to payback or credit back their customers who have been severely over charged and taken advantage of.

I complained about a fraudulent charge on my account. The agreed to send me a new card, but then I have never been able to get a statement from that billing period. The charge appeared on 10/31/2013. I spoke to the online merchant, and it is a business that I frequently do business with. They knew right away it was fraudulent, and they notified me, I had not yet gotten to their email when I noticed the charge in my Credit One account. So when I reported the charge to Credit One, the customer service guy was horribly rude, I couldn't understand his accent (he really could barely speak English, and I live in a very diverse community so I'm used to that sort of thing, basic communication is essenetial, and if he can't communicate, he shouldn't be on the phone.) So I get a letter, on Nov 25, telling me there were no fraudulent charges made on or after Nov 1. The charge was made on Oct 31! They're deliberately avoiding the point. And what's more, they've deliberately avoided giving me my statement. I've been given a statement for the period ending 10/3/2013. And for some reason the statement for the next period (which I would think would be ending around 11/3/2013.) is "conveniently" missing. And when I called to complain about it? I was "conveniently" disconnected. And when I called again, I was "conveniently" left on hold for over an hour. Screw it, it was only 20 bucks. I just need to pay these scam artists off and move on.

I received this CC in the mail and activated it, 2 weeks later I posted a payment online through my bank. I still had 2 weeks before my first bill is due and started receiving harassing phone calls with someone yelling at me over the phone saying I owe them money and why would I borrow money and not pay it back. I tried to tell them that I am away from a computer to view my account and have made a payment which wasn't even due yet. He continued to yell and cut me off with every sentence. I tried to make accommodations with these people and all they do is call and demand for my bank account number and routing number. I reject giving out that information and have proof that it was taken from my account twice. A month later and 3 payments in... I receive a letter in the mail saying my payment was sent back due to no account was found with their company for me at all. I started being harassed over the phone all over again. They tell me that my bank account is negative (which is false) and that they never receive any of my payment (false again) and that they have sent one payment back (which i never got back) because i had no money in my account? That doesn't even begin to make sense. So they are taking my payments and froze my online account access so i cant see whats really going on and while all of this is happening, they are tacking on every charge possible. Telling me I need a bank verification letter with all of my information, my account number, routing number, my signature & SS? and the only reason they want all of this is to show its not a problem on my end? I refuse to just give over my identity to these people to do as they please with. I'm only 2 months in and trapped. They take my payments and deny it, even has asked me to send a check out of my account or do a money transfer (money gram) I am not the idiot they are trying to play me for. I have made 3 payments which are not being credited for 2 billing cycles, but being charged 4 late fees of $50 each and their reasoning behind charging me 4 times is because after every time i had non sufficient fund they charge me a late fee and a charge for the NSF.My bank will not let me post a payment through bill pay if i have NSF. And even if i only went through 2 bill cycles it counts how many failed attempts to charge me for not how many months were being charged. This is exactly why its important to do your research before signing up for anything...

Yes they suck you in with a bogus sign up no fee- received my card and two days later I have an invoice, hadn't even used it, of $75.00-activation fee, spoke with three people, all from india, they cancelled my card and waved the fee, , supposedly. Sent a letter where somewhere it state such a fee could not find, must be that invisible ink. Word is STAY AWAY- they are replicating Capital One, colors and all, ###!

Were do you live? Here in Arizona if a company refuses payment then the debt is null and void.I would check with a attorney for your local and state laws.

I did not like Credit One Bank, I used them to rebuild my credit once i did, it took 3 calls and numerous times of saying i wanted to cancel my card and close my card.. only to get a bill the next month.. i called a 4th time and they said they will waive the last fee but now i have a late charge on the card...

I have been having a Visa with this bank for 2 months. In 2 months I have been trying to talk to them about why they have been charging me for account protection and I never applied for it. These people are robbing hard working people dry.

I made the mistake of getting a card with this company, and they have done the same thing to me. All kinds of fees that do not make any sense and when I couldn't pay them anymore because of other financial obligations, I wrote them a letter. THEY DO NOT CARE, they WILL NOT SETTLE. I just received a letter from some law office saying they will come after me for the money but the joke is on them because I am unemployed and my husband is self-employed so they cannot garnish wages. Their customer service also STINKS, when you can get someone on the phone (Which isn't often) they have no one that speaks English and they are rude and always making excuses for fees and other things they charge that make absolutely no sense. Whatever you do DO NOT get involved with this company.

THEY TRIED TO CHARGE ME A "LAS VEGAS FEE OF $9.95", BUT I REFUSED FOR CAUSE MY PAYMENT TO THEM {CREDIT ONE BANK] WOULD HAVE BEEN ONLY "$25.00" ! so read as follows and visit: WWW.JURYPOWER.ORG WWW.AMERICANJURYINSTITUTE.ORG
Cite-Citizens'JuryHandbook from Whitten Printers, 1001 S. 5th. St.,
Phonix, Az. [protected]
Quoting here from the 4 July-1776 Declaration of Independence, in part, [oughta be considered a "SHORT LIST" of Cause of why we were at War with England-esp. re Tyrant Prince King Geo. III.]: "...He has...obstructed the Administration of Justice...FOR depriving us, in many Cases, of the Benefits of Trial by Jury...IN every stage of these Oppressions we have..." Citing here now quotes from THE MINT & COINAGE ACTS of the United States, PUBLIC STATUTES AT LARGE, ISBN [protected] by Weisman Publications: Fn.1, 2. The Making of the Constitution, Chas. Warren [rare book I have] p.551, [In writing to a Citizen of Rhode Island. Geo Washington wrote in 1787: "Paper money has had the effect in your State that it ever will have, to ruin commerce, oppress the honest, and open a door to every species of FRAUD and injustice."((( DANIEL WEBSTER expressed it like this: "Of all the contrivances for cheating the laboring classes of mankind, none has been found more effectual than that which deludes them with paper money."((( Similiarly, William Paterson had written in 1786: "An increase of paper money if it be a tender, willl destroy what little credit is left; will bewilder conscience in the maze of dishonest speculations, ...will turn vice into legal virtue; and will sanctify iniquity by law."((( RICHARD HENRY LEE, writing to George Mason, at the outset of the Convention, on May 15, had expressed the nature and problems of paper currency: "Knaves assure, and fools believe, that calling paper 'money' and making it tender is the way to be rich and happy;thus the national mind is kept in continual disturbance by the intrigues of wicked men for fraudulent purposes, for speculating designs." [esp. informing is the FAREWELL ADDRESS speech of Pres. ANDREW JACKSON on 4 Mar, 1837]

I paid off a credit card today that has 24% interest on it. There is 3.43 cents of rewards I supposedly earned and I wanted it sent to me. So they offered me 35.00 credit toward my card balance TO MY CARD – (my balance is zero mind you) along with the 3.43 cents.. I said is it my money? He said yes.. so he kept trying to force the credits on a zero balance – so finally I said.. you don’t seem to get it .. I am closing the account and I said those credits do me no good if my account is closed and to please send my 3.43cents of earned credit rewards. He said no, I will have to zero the reward balance out and close your account. I said WOW... The sad part is I don't believe there is anything I can do about it.

First off this company specializes in people with bad credit. It gives the ones who have no credit or bad credit the opportunity to rebuild their credit history. This card is not designed to run up a balance. If you take this card with the intention of running up a high balance then my advice would be to keep looking. Yes they charge high fees. Yes they charge high interest but not as bad as some others. If you do take this card and run up a high balance you are to stupid to have good credit anyway. I have had one for a while now. I keep my reported balance under $50. I have no problems.

This is a good card if your just STARTING to rebuild your credit. But if you have a credit score of 600 or higher you would be well advised to try another card such as Capital One or Discover even if its a secured card...Just my 2 cents

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 paid my account with them always timely via online and in full. They constantly want to upgrade me and increase my credit. When keep saying "no" now I cannot access my account online for over eight months after multiple PW changes etc. They are rude on the phone and act like I'm an ### and it's all my fault I cannot access my account online. Their "tech" never calls back. I now have to use automated telephone system. I think this is a form of blackmail to get you to agree to increased line of credit. I also think their site is constantly hacked or attempted. I plan on closing account via certified mail, filing complaint with BBB and Secretary of State Consumer Affairs Division.

Credit One is a predatory loan institution. Unsolicited mail came to me, and a credit card was inside, I tossed it. They sent me another one, and I posted a photo with it chopped in half, now they are trying to go through legal proceeding against me. Stay away from this company, and who the hell cares if they are "FDIC insured cert#25620". I'm sure the central bank is... insured by the central bank.

DO NOT USE THIS COMPANY - I opened an account to establish credit. I was told that every year there is a $75 fee to have the card. Instead they started charging my card a $8 monthly fee for the use and I received NO notice. Then after a few months they demanded I pay a late fee of $35 dollar each month the $8 was not paid! I asked them why they didn't ask or notify me of the change from the one fee of $75 a year to a $8 monthly fee to have the card. They told me the contract allows them to make changes to the fee as they wish. I paid and closed the account, but I do expect more issues. The customer service is in India and they act like they don't understand English and understand what you are asking. It took several attempts to get a manager to close the account also. JUST DON'T SIGNUP !

Credit one says that they are proud of their accomplishments. The only thing that they seem proud of is [censor] people over. I recommend that people close their bank accounts and stiff Credit One if problems persist. If they sue, so what. The judge will be a whole lot more fair than they will.

Just paid off my account in full - but apparently I didn't according to all the comments posted. Called to make sure and they said I owed thirty some dollars yet. Now I got the amount I owed when I called the bank - I then got a money order - and I still owe them! They won't let me close this account until I paid the additional money.

This company is terrible. Its a never ending revolving debt that never seems to decrease no matter how much you pay. I will scream it from the top of my lungs and everyone I know to NEVER EVER EVER get a CC from this company. I promise you with all that I have!

I can't make a payment! I usually pay my account in full each month with the auto pay feature. My bank had to close my bank account and open another one because it was hacked. I was automatic payment with Credit One. Before I could change the banking information on the website, they suspended my account because the automatic payment came back indicating the account was closed. Since my account is now suspended, I cannot change my bank information nor can I make a payment. When I called, they told me I had to get a letter from the bank, and mail it to them, indicating the account was closed before the would take the suspension off. In the meantime, I was told I could mail a check or money order or wire transfer. This is ridicules that I can't go online and make a manual payment and change my info nor can I use the phone system to make a payment. I'm sure this is another scam and a way for them to start racking up the fees before I get a chance to close the account.

Wendy Florence 4258 last 4 ssn
You have a card in my name that's, fradukenf please remove ur self from my 3 credit bureaus asap IR I'm sueing

I just wanna let kwn that I can believe it
About this issue i called multiple times and they couldn't help me I'm just unpleasant about the service was baddly and terrible
And of they can't give a extraordinary services why they offer this to the customers

You're forced to call ... leaving you to wait for extensive amounts of time to make inquiries or try to cancel your card.

There isn't an email address anywhere on the Credit One Bank website for customer service, account inquiries or options to close your account

Hi,

I got a credit card approved through credit one but I don't know why I was charged with 75$ without any transaction from my side .

Back in December I put two payment into one envelope. I clearly marked them for which account they were for. I called and the customer service personal was rude and not helping out at all. Come to find out your company charged me a late fee for the money EU order your company lost. I will never do business with you ever again.

Sir,

I did not make any payment from my credit Card to Internet LOS VAGAS on 11/19/2017. For ( $ 100.00). I don't know who did.My card is still with me and
never be lost or stolen.It is false payment.Please wave off this payment and correct my statement ending on 12/7/2017.

Thank you
Gul R Bibi

I get charged for an annual fee which I can understand but I also get charged for a credit protection fee which I didn't want and an interest charge on purchases fee even though I don't use the card... and let's say I have a paid off card with all those fees it comes to roughly $70 a month. Does this happen to anyone else ?

I just to go on my account to see if I need to make a payment or not and I am not able to get on my account

I made a user account and never let me enter ... It says that the email or the password is not correct. I want to pay my card and I can not.

You guys cards suck. Letting me only use vendors that you guys approve of. I'll never be back thanks to that and the rude [censored] middle eastern people I had to speak to every time my card would be denied. Please take me off your contact list. I have great cards now thank you.

Jason Renner

I have been trying to make my online payment the past few days but the website is acting up and will not let me. I called and couldn't do it over the phone. I do not want a late fee. Please have someone contact me to fix the issue.

Megan Adams-West
[protected]

Meganwest15905@yahoo.com