Anonymous
map-marker Little Rock, Arkansas

Terrible company

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I am disabled and I am on SSI. I get early payday.

My bill is due on the 27th of this month. I can't pay it till the 29th! But yet they will charge me 34.95 late fee! They don't care!!

They are pretty much taking some of my grocery money away from me! STAY AWAY FROM CREDIT ONE BANK!

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User's recommendation: Stay away!

2 comments
Mesha Ljk

Pay your bill on time and this won't be an issue. You can cancel your internet and use that to pay your bill.

Guest

Very simple fix, Einstein. Pay on time! That's what YOU AGRED TO DO!!!

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Jesus M Cyl

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Verified Reviewer
| map-marker Bellevue, Washington

Acct closed even though given future date

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Credit One Bank - Acct closed even though given future date

Account number **** I was told that I had until March 24th 2024 to pay the amount. I made a payment last week the first week of March the amount of $250 as I was waiting for my income tax to come in.

Now that my income tax came in you guys closed my account even though it's only March 7th. When I called twice to customer service both agents hung up on me. I really like Credit One and wanted to keep the account however I did experience hard times and that's why I was not able to make payments on my cards. Now that I have my income tax I'm prepared to make the payments that I owe Credit One.

Now you guys have closed my account even though I was told I had until March 24th.

Please help me fix this because I don't want my account closed I'm willing to make the payments in a large sum almost enough to bring the amount completely down to just a few hundred dollars. Please notify me when you receive this email.

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Preferred solution: Honor their written request for me to pay by march 24.

User's recommendation: Only if they honor what they sent me in writing

2 comments
Guest

You probably should mail a check in right away before they charge you off. That or go to one of those outfits that will work to settle your balance.

Guest

If your minimum payment due of $2,700 is the same as the balance, your card probably had no available credit anyway.

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Carlie G Ubc

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Verified Reviewer
| map-marker Las Vegas, Nevada

Scammed me out of payments

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Original review May 22, 2024

The most deceitful, fraudulent account I have ever dealt with. They sent me a credit card that I never used even after paying a $95.00 program fee and a $75.00 yearly program fee.

A couple of weeks later, they claimed that they needed to verify my identity and asked me to send them documents. They mentioned that I would hear from them in 30 days and if they needed to close my account, my fees would be refunded. This happened in March and, surprisingly, they called in April, knowing the account was closed, to ask for a payment, and had the audacity to charge a late fee. The representative acted like she didn't know what I was talking about and took my payment.

Then, they sent me a statement with charges, although I never used this card...EVER! They took my payments but I never had an available balance. When I called to ask why, they claimed it was because they closed the account due to identity issues. They continued to collect payments knowing the account was closed and when I asked them to refund my program fee and the yearly fee, reasoning that I wouldn't have the card for a year, they refused.

They claimed they were owed that money...how is that possible, when I never incurred any fees from the day I received the card. This company is run by real crooks!

Don't waste your time with them; try Capital One or Discover instead because Credit One Bank is desperate for money and they scam consumers!!! If I could give them 0 stars I would!

View full review
Loss:
$276
Pros:
  • You can check if your pre approved
Cons:
  • Customer service poor
  • System doesnt update to show payments made
  • Customer service reps act like they dont understand english

Preferred solution: Full refund

User's recommendation: THEY ARE FRAUDSTERS! BE AFRAID, BE VERY AFRAID!!!!

3 comments
Guest

File a complaint with the CFPB. I bet you get your fees back.

Guest
reply icon Replying to comment of Guest-2533909

No they won't. All this bank has to do is send the terms this fool agreed to.

It's clear this person was desperate for (due to bad credit) credit card and didn't bother to read/understand the terms. They will get nothing.

Guest
reply icon Replying to comment of Guest-2533931

So, you watn to complain, but not willing to spend the time to correct the issue. Don't file a complaint and sit there and wave goodbye to your money.

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Michael J Azj

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Verified Reviewer
| map-marker Las Vegas, Nevada

False membership charge

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I noticed Credit One charged me $95.00 for a membership fee which they never had. I called their customer service line and made a complaint about it.

They chose to do nothing about it.

The following day, they withdrew the money out of my bank account even though no payment was due. I filed a complaint with the CFPB.

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Loss:
$150
Cons:
  • Have access to your bank account even if you do not authorize auto payment

Preferred solution: Full refund

User's recommendation: Don't use Credit One

Lydia B Xxm

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Verified Reviewer
| map-marker Los Angeles, California

Credit NONE !

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After my complaint they had nerve to send survey I gave everything a 1 they charge interest and Im over limit every month after payment and I havent used the card in months .

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Mike J Aqp

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Verified Reviewer
| map-marker Bellevue, Washington

Scammers

I did not open a second account with you. I do not owe any membership fee.

I have a credit score of 770.

Why would I need to pay membership fee? You are scamming people.

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Tammy W Iar

Need immediate pay

Fix their verification system when signing in or automate the account system. Can't reach anyone. It's kind of hard to know what my balance is.

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Preferred solution: A human to talk to about my balance information.

Austin R Skc

Y'all are charging me for stuff and giving me late payments and I don't use the card

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I got a loan to pay off my card, so I paid it off completely. However, the card has an $8 monthly charge for using it, and my payment was always set to automatic.

Apparently, that changed after I paid it off, so I had a late payment of $16. Now, it says I owe $25 and there is no way to get in contact with them to see what's going on and to cancel the card.

View full review
Loss:
$25
Cons:
  • Worst card in the world and impossible to talk to a real person

Preferred solution: Full refund

User's recommendation: Do not use this card even if it’s your only option.

Ray W Smith

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Verified Reviewer

Can't use credit card

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Credit One Bank - Can't use credit card
Credit One Bank - Can't use credit card - Image 2

I tried to purchase some items two-three times since November 15, 16 and 17 and 18th but the card does not work. I haven't used it in a couple of months, I Paid the balance off in October, 2023 and actually went over the amount owed, and the company owes me a balance of $13.00.

IT appears the card is blocked for whatever reason(s) but I did not know that it was. I don't owe anything and never have been late with payments and I tried to purchase some stuff on Amazon and when I called credit one and spoke with a representative, they said it was blocked for security reasons, but would not tell me why. So I ask them to either fix it or send me another card or close the account if I can't use it. I have never heard anything but I did try to purchase something on ebay afterwards and the card was declined.

what's the purpose of having a credit card if you can use it? They called me on my phone and sent me a security code to fix the problem but I still cannot use the card.

View full review
Loss:
$500
Cons:
  • Bad reps unprofessional
  • Bad customer relations
  • Poor customer service

Preferred solution: Be able to use the card or close the account

2 comments
Guest

Why are you claiming a $500 loss? No one owes you any money.

Guest
reply icon Replying to comment of Guest-2430718

Why? That's the mark of a serial deadbeat infused with the entitlement mentality=FACT!

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Blandina M

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Verified Reviewer
| map-marker Baltimore, Maryland

Questions

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I want to cancel the credit protection, I want to know if paying my credit card is it I should pay the whole current balance or minimum payment? Which I always dont see the minimum payment

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Anonymous
map-marker New York, New York

I want to close my credit account. I am not happy with it

I went to the bank but I didnt get any response back and they told me its a wrong address. And Im being charge for annual fee a lot

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Luc K Din

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Closed account because need proof of payment when is paid

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Closed account because need proof of payment when is paid online !!!

Incompetent customer service. Website down most of the time.

View full review
Cons:
  • Credit line
  • Customer service

Preferred solution: Smarter management

User's recommendation: AVOID AT ALL COST

MalibuGal277

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Unable to use app, website, phone number busy 24/7

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I cannot reach Credit One by phone (877-825-****) since 4/8/2024. Number is busy 24/7.

So is 2 other numbers on the website. App isn't working. Website occasionally allows me to login, but I cannot access balance/history. Loads same page as of 4/5/2024.

Does not refresh.

What is going on? I can understand being down for a day but all week?

View full review
Loss:
$250
Pros:
  • Customer service was formally always available
Cons:
  • Customer service number down all week

Preferred solution: A refund of my car rental deposit

User's recommendation: I keep composition book with notes of date, time, name of rep I spoke to. The different info I get is astounding

Ricardo R Ink

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Verified Reviewer

You liars!!!! My credit score is *** cuz of you

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You guys are a *** joke I have been trying to get in contact with you *** losers so I can yell but why should I expect a bank to do anything right

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Preferred solution: Fix my God damn credit

Carolyn M Sdi

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Verified Reviewer

Suspended account!!

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I opened an account in February you all marked it suspicious and suspended it wanting identity verification I sent it TWICE!!! And I still do NOT have access to my account now I have received a bill for $2.27 and I have never used this account!! I would like access or the whole account shut down!

View full review
Loss:
$2

Preferred solution: Full refund

Luc K Din

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Low limit, poor customer service

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780 score, won't do CLI as requested, flawless payment history.

Customer service in India. Poor service.

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User's recommendation: Avoid

2 comments
Guest

Right, sure! If you have a 780 credit score, why are you with this subprime, deadbeat, high APR card company??? We aren't all THAT stupid!

Guest
reply icon Replying to comment of Guest-2515310

Let me elaborate further for the ones that requires special assistance. 650 when I applied over 3 years, a mise two hundred increases each time I had to pay for the CLI.

Now at 780 score the company isn't raising the CLI at all. Do you comprehend better now?

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About

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Summary

Credit One Bank is a financial company that specializes in providing a wide range of banking services. Corporate office of the company is located in Las Vegas, NV and it has resident offices in California and Georgia. Credit One Bank offers a large number of services like credit cards issuing, providing credits, loans and mortgages. The company follows the membership policy and offers additional bonuses to all regular clients. Credit One Bank also offers bonuses like pre-qualification and mail offers proceeding. The bank mainly focuses on dealing with U.S. based individuals and businesses.

Credit One Bank reviews and complaints

Credit One Bank is ranked 310 out of 1484 in Banks category

Area Served

Australia, USA

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