Credit One Bank review: credit card scam! 60

Consider yourself lucky. I have NEVER even received the card, it's been over 8-months and they continue scamming me and sending bills. They do not listen to the many, many phone calls. I am convinced that they are ripping off the unfortunate. No telling how many people have giving into them because they dont know any better. I was even scammed into activating a card I've never received. A card, by the way, they have told me 4 times now "We are sorry you didn't get the card, it will be in the mail tomorrow". They have my correct address, which has been confirmed on several occasions. The bills make it to my door with no problem. When I try to call them to get it taken care of, they ignore me and put me on hold indefinitely, while piping loud obnoxious music designed to get me to hang up.

Dear complaints person and everyone on here credit bank is one big scam after another. I had a credit card bill for 232.33 and turned into 465'65 and it was sent to a denver collection agency. I don't care for credit one bank at all. Thanks for your time and interest.

Credit one card

Creitone bank sent me bill for $74.75 but i do not have a creit card with this bank.

This people call my house and cell phone from 8.00am till 9:00pm 7 days week. I have been paying but they seem to post all my payment late.

I create an account with them and payed off the account and every single month they charge $5.75 fee + $7.95 fee to make the payment via internet or phone. So my balance will be $5.75 but i have to pay $14 dollars. This is such a rip off, so dont get this stupid card. Also if i cancel the card it will drop my credit score, this sucks.

We are having the same exact issue - the credit card is paid online (which costs extra) and then they post it after the due date.. isn't this illegal? I am going to consult an attorney regarding this company. Did you reach any agreement with them.

i just got a card from them.i didn't know they would charge 69.00 dollars to open it. i hate this. i really don't need another card.i have one and that is enough. how do i cancel this one from credit one. please help. i am not looking for any trouble. i am try to improve my credit, not ruin it.
yours truly pat bowman

you know i think the us att: genral might be interested in this.
sounds like something Obama would just love to get his teeth into.
i am going to send and call all the rite people. i will be the worst night mare credite one has ever had.i am pissed

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.

Credit One is part of a national scam. I have been scammed of over $3500 in a credit debt consolidation scheme with Hess Kennedy. Everyone should beware of Credit One. Stay away from this company

I have been trying to get in touch with this company since last week Friday and I have gotten absolutely no answer from customer service! I am immeasurably angry, because now my credit is messed up with me coming out of college, and I am trying very hard to correct it by paying them as a company directly. STAY AWAY FROM THIS COMPANY! THEIR SERVICE IS HORRIBLE!

The Charged me a 0.12 cents finance charge on a "0" Balance!, I got a notification that they also charged me a late fee of 44.00. All this from a 0 balance. Im calling my attorney. This is a sham!

They now charge you $10 to pay your bill online, thtas up from a few weeks ago where it only cost $7 to pay online.

Thanks to all for posting your experiences. I just got one of their "offers" and after reading the posts above, it's in the trash.

I got burned big time by First Premier Bank, which gives you $300 credit line, but they hit you up with hundreds of dollars in up front fees so that you have an initial balance of about $40 (more or less), and paying loan shark interest on the up front fees. They also charge through the nose for online access.

What's scary is that these guys are really marketing scams. They make their money by selling your personal info--including your SSN--to whichever Ukranian Mob outfit is willing to pay for it. They charge you up the whazoo to sell your personal info... These scammers should be flogged to within inches of their lives...

But, I digress--Thanks again for your posts. You helped me, and cost creditNone some business.

-Qazz

I'm still getting ripped off from these clowns. My statement this month shows they waited to cash my payment until after they charged me a late fee and an over the limit fee. I sent them $75 on the 18th of this month and it shows on my account that it was made and received however, a day later on the 19th i had $62 in fee's and charges thanks to the $30 late fee and a $32 over the limit charge. Yet the payment they recieved the day before should have put me way back in the "positive"

I've had this happen before where they either sit on payments to charge a late fee or where they refuse to fix their mistakes. I've already been in contact with a lawyer over these vultures. I suggest everyone who's been ripped off by these people contact their attorney general or the FTC and file complaints.

They've posted mine after the due date as well.This company has been known to sit on payments so they can charge you late fee's, over the limit fee's etc. There's a reason they have lawsuits coming out their ###. They use to be known as the First Bank Of Marin, but changed their name due to lawsuits and money they owed their customers over fradulent billing practices and what not.

I got a credit one card almost a year ago, the fees pissed me off but I thought I had to do it to raise my credit score. I managed to get it up to 675 before I couldn't pay one month which is when the fees rolled in. (they were charging me 7.50 a month + 10 dollars to pay my bill, bs). I got one late fee of $29 and a over the limit fee of $39 and I couldn't pay the bill off so it went 2 or 3 more months. Needless to say my credit score is down in the low 400s and I probably can't fix my credit now without keeping the card, but out of angry I canceled the card. A week later I paid off the bill down to 30 dollars and asked to have it re-enabled and they told me I had to pay off my entire bill in order to get my card reactivated. WHY?!

So anyways, I'm keeping my card canceled, finishing off my bill and I'll go to my credit union and ask for a real student card to help fix my credit even if its only a 100 dollars I don't care, that place is BS do not use it! Also the same person answers the call line every single time I call, her name is Jen and she has an Indian accent. They are also unwilling to negotiate on reducing your bill or offer a payment plan to avoid future late fees, a total shark!

After reading all of the above complaints; I have but one question. Is there anyone; org.; that can put a stop to Credit One and thier thieving partner in crime (TLG)? Please (bijoucountry@yahoo.com)

Credit One has no problem getting in touch with TLG SHOPPER and TLG PRIVGRD to verify my authorization of the account; but I can not get in touch to CANCEL.

Someone email me at hgarner85@yahoo.com to let me know who I need to speak to in order to complain about this issue...thanks!

I actually have a credit one bank card that works great, there late fees are high, and they charge you to make a payment online, but other then that its been a OK card to have, and they increase my limit about every 8 months.

I was burned bad on first premier bank, what a ###ing joke they are, I payed off the card, which was never used, just there charges from opening it, and canceled it, and they still put it on my credit as a collection account, I would love to find the guy that did that and burn his house down.

The fees suck ###, but that's what you get when you have bad credit or bad history. I have 698 score, but because I was a victim of Fraud / ID theft, I can't open accounts with many places. Specifically, anything being guaranteed by HSBC. I just got turned down at BestBuy trying to buy a TV.

I only have a $200 limit, below the lowest advertised limit, but hey, it's something.

As far as the fees. If you have a bank account, most likely it has a bill paying feature. Ues that to pay your credit one account. I don't use the credit one site to pay my bill because of the $8 fee. Either mail it in, or use bill pay using your bank's website.

Also, don't cancel your card. Just don't use it. Closing the account actually hurts your credit.

I have been a CreditOne cardholder for almost a year. While it sucks that they charge you a big fee to open, and break down the yearly fee into monthly bits (that's the $5.75 mystery charge some people have complained about), they've been pretty good about my account. I didn't read the screens the first time I went to make a payment, so I incurred the online payment fee, but their customer service helped me out and waived the fees. I use Bank of America's online bill pay feature to make payments, which doesn't incur any additional charges. They increased my credit limit within 6 months of perfect payment history, and I haven't had any payments held over or any of the other issues many have reported. I'm sure that, like most "sub-prime" cards, there are astronomical fees for late payments and over-limit situations, but it's a low limit card so that payments are affordable and you can build up to a "real" credit card some day. My suggestion is that, if you go with CreditOne, do things the right way (pay on time - in full, if possible) and it will help. In the time that I've been with CreditOne, my credit scores have each jumped by over 100 points, including a jump of 150+ points with TransUnion.

Credit One is Great! All of you complainers, please learn how to spell, use spell-check, and be responsible with your finances. If you were, you wouldn't be in the predicament to have to complain about a secured credit card. Losers!

A big round of applause for that VERY PROFFESIONAL response from CreditDebit. My question is “ is that all you got”? You did not address one single accusation but rather resort to personally attacking people? Why am I not surprised you would do something like that? My guess is Robert DeJong probably got on here himself to try and counter the attacks (Having a better business rating of F) and CLERLY make a great case for Credit One Bank. Maybe if all of us “Bunch of losers” were working for a company like say…. Credit One Bank…. where we too could rip people off based on the misleading information and advertising, we too could be financially responsible after all. So case closed I see. Credit One Bank is not wrong at all….. we just simply don’t know how to read.

I've had this credit card since february 2008. Yes i also got charged the $69.00 for opening the account. The weird thing is that i never even applied for this credit card and it just arrived in the mail one day. I was 19 at the time so of course i was excited to have a credit card and i didn't think anything of it so i activated it and paid the $69.00. They are pretty lame they charge $9.99 to pay your bill online plus they charge the annual fee in the amount of $5.95 every month. For the people complaining about the $9.99 fee just mail in your monthly payment thats what i do every month and i save myself $9.99 but mail it in 5-7 days before your bill is due that way it gets there on time. If you do decide to mail in your monthly payments then keep track of the last transaction on your credit card that way you will know which is your last transaction on your credit card so that when it posts you know you don't have any other transactions pending.The thing that i hate about this credit card is that i have had it for over 2 years, i have never made a late payment, I always pay my balance in full, and my credit limit is only $525.00 and my interest rate is still 23% which is pretty lame. I definately don't recommend this credit card to anyone if i could go back in time knowing what i know now about this credit card i would not have activated it. Like everyone else i wish i could cancel this credit card without hurting my credit score but unfortunately I can't so I am EXTRA careful with this credit card.

I canceled and paying the card off but they keep charging late fees and high intrest

I cancelled the card.paying the card off but they keep charging late charges and out ragest interest. Can you think off away to pay them off for good like a low interest loan to be done with them?

I got this CREDIT ONE credit card a few months ago. I lost my job I was in dare need of money to pay off some bills. My monthly payment date was not due for a couple of days but I kept getting rude phone calls for a North Eastern African female representative. One such call was on a Sunday as I was getting ready for Worship. I told her that my payment was not due yet and that she should give me sometime. She said that if I call the next day to make my payment, I will be charge a processing fee of $9.00 and if I make the payment in a couple days I will be charged a late fee of $35.00 this is on the day that my payment will actually be due. I am just told now that they even charge you to make a payment online. I pay all my bills online. This is terrible. Because I declined to make a payment on the day she called me, she became angry, was abusive and slammed the phone on me. Buy BEWARE of this SCAM. As soon as, I am able to pay-up the remaining balance on my account I will close this credit card.

I have other credit cards and I have never being insulted or treated in this manner.

In my experience, the only other bank with terrible customer representative is JP Morgan Chase.

Well, I guess I am kind of neutral on this matter. I opened my account with CreditOne back in 2007. Yes, I paid the $69 activation fee (the cost for having less than good credit to begin with). I do hate the fact that the annual fee is annuatized (assessed monthly) but it does help avoid the hassle of remembering what month the annual fee is due and trying not to let an annual fee send me over my limit of which they would have charged me $32. I did have to pay the phone payment and online payments a couple of time because I had forgotten to schedule it through online banking with my bank (poor planning on my part does not mean an emergency on their part). Once I had my online banking set to send them a payment on the first of every month (not just the minumum) I no longer had the threat of late fees, over the limit fees or online payment fees. I did get a late payment fee once and when I asked if the fee could be waived this one time it was no big deal. Maybe if I hadn't gotten my online banking set up on time, maybe I would have the same complaints as posted here. However, I must say that my experience with CreditOne Bank has been OK.

Oh no. I just applied for this card and I'm supposed to be receiving it in the mail.. but from reading everyone's responses, I guess not! I just recently filed for bankruptcy 2 years ago and trying to rebuild my credit. I'm so scared now that I may be put back in the hole because of this company! How do I close my account without them charging me all these fees that I've been reading about? This is so unfortunate that in this economy these credit card companies are preying on desperate individuals trying to get themselves back on track. I'm so disgusted! I don't want this card anymore and I haven't even received it yet!

I just made the same mistake of filling out an online application for one of these cards. A few days later, I get a bill for 75 dollars before I even activated the card. Fortunately, I called them and said that I didn't actually SIGN anything. I just filled out an online application which is FAR different then agreeing with a handwritten signature to the bogus terms they laid out. The woman tried to explain that when I filled out the form that was like signing it. I told her I filled out an application for a card but never agreed to the card if it was approved. I also told her that they are participating in a scam and they know very well that this is a con. She then told me that if I haven't activated the card, she will simply cancel it and I don't have to pay anything. DID you hear that folks? Just call them up and tell them you don't wish to activate the card and you want the charge taken off. They will tell you to just cut up the card. She told me no more bills will be sent and to disregard the bill they already sent me. That was it folks.

Credit One Bank is NOT a bank. This is just a company that collects customer information through applications and send statements with FALSE charges for Credit Card that you never accepted in the first place nor do you own them. I have reported them to BBB.

made my 1st payment on time with a MONEY ORDER . got my bill it shows the payment to credit one . I read about all the fees before I signed up no big deal. get a phone saying my MONEY ORDER [which purchased through a local supermarket which is how i pay alot of bills] was returned for not sufficient funds . This was last Friday ... to be cont...

I had account with Credit One for 3 years. No problems. All payments up to date. no issue. One day figured "Hey, maybe I should ask these guys for a credit limit increase" figuring its been 3 years, Im a good customer.
Their rep answered the phone and informed me my account was closed even though I was logged into their website and saw nothing about this and no mail about it.
The explanation was I didnt renew with them.
I obviously pointed out that I never faced any renewal in my previous 3 years with them before.
At this point their rep began talking over me over and over saying my account was closed.
It anger me to the point where I had to yell at her to listen to me.
I yelled to her shell get her measly 200 bucks and I threatened to them if I get any phone calls or even hear their name again I will get my lawyer and bring them on harassment charges.

This line of credit is dumb. They obviously do not want to support a long term account. Their the little guys on the totem pole. Move you in and out, etc... pathetic

Stick with major CC carrier like Discover unless you want to have to yell at obnoxious service reps in India.