complaints against credit one bank

The algorithm parameters are: users' rating, number of resolved issues, number of company's responses etc. Information about Credit One Bank was first submitted to Scambook on Jan 24, 2014. But if you are responsible and pay all your bills on time and not occur interest and late fees then I’m sure that you would give this company a four-star like I am! I don't need to use the cards the 6 months of payments that will be made by the insurance coverage and that is no problemo. A balance they would not let me pay because my account was locked. User's recommendation: Do NOT do business with this company. And by the way credit card banks are not allowed to report a late payment to the credit bureaus unless you are at least 30 days late. Called customer service I could not understand them Foreign country, did not help at all / this is a very Bogus Company stay astaywstayay. Don't waste your time. But because the card limit is small I maxed it out several weeks during the first two months this meant I was making a payment on it each week just to have money to spend. from Canada drug store . How do I file a complaint against it? Review #2214141 is a subjective opinion of poster. Whether it be an hr or a month late is late. I tried to log in to my account and it said it was locked. Check our FAQ. Submit a complaint. You tell us what you decide". Sign in to your account to submit a complaint online. I cannot get a customer service rep on the phone. April 14, 2015 Dear All Welcome to the refurbished site of the Reserve Bank of India. And so I could look past the high fees, which keep their annuals up, the activation fees which show a customer who doesn’t usually pay their bills is ready to pay something before getting anything, and not I could simply not care about the interest rate on a card with a few hundred dollar limit as I intended to pay it off each month (which I did) in order to build my credit score as quick as I could. On average users reported $2274.96 of damages. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. So anyone who knows of this company, may have pre-conceived ideas of who they are and what they offer. is an independent complaint resolution platform that has been successfully voicing consumer concerns since 2004. However, there are other types of cases you may have against a credit … The overall rating of the company is 1.4 and consumers are mostly dissatisfied. We had closed the account. File a Bank Complaint- This is a good place to start to file a complaint against a bank. Unsubscribe at any time. Be the first one to find this review helpful. User's recommendation: stay away from this company. Review #2261719 is a subjective opinion of poster. I can not use my card I having trouble paying. But they never sent me anything requesting such a letter. Had they not given me a chance, I'd be SOL as now my dad is passed on and I only have my own credit to rely on if I need it. Credit One gave me a credit card when no one else would. Then I got I’ll and ended up in the hospital for two weeks and recovering at home a third. Your bank Institution is not a customer friendly at all. I have paid off this card twice this month. Credit One Bank offers seven credit cards with varying cash back benefits and fees for those with limited or bad credit. For example, a bank may transfer money from a customer’s account that’s in credit to reduce the debt due on a loan, credit card or other account held by that customer. I didn't get a credit card in my teens/early 20s. On 2 occasions now I was unable to Accept offers made by Credit One Bank. It should be illegal. I’d say be cautious. Credit One Bank - can't make a payment due to website and app down. Credit One Bank was founded in 1984 and issues secured and unsecured credit cards to people with limited or bad credit. These ratings and reviews are provided by our users. Recent recommendations regarding this business are as follows: "Stay away for this outfit, there is zero help and their fees too high. What happened? I was told, "That would be fine. In 10 months all of my scores have increased by a lot, Fico 8 Experian 725, Equifax 740, & Trans Union 737, Vantage 3.0 Experian 738, Equifax 744, & Trans Union 738 and one reason is because Credit One reports my onetime payments every single month like clockwork just like they would if you were late. I have never used their card. This I did not see prior to getting card - my fault not theirs as it is in the fine print - but once you have the card you get the charge regardless if you decide you do not want the card. Since most credit-building cards require a security deposit, Credit One Bank Platinum Visa might be a good option for people who don’t have extra money and want a larger credit limit. †† The opinions you read here come from our editorial team. If you want a no fee card Discover offers a secured card for as little as $200 and will return your deposit after 8 months if you behave! If you wish that your prior post be removed, submit a notarized letter, Paying bill early not credited for next payment, No human customer service for when the website does not work, No cooperation at all i will have to seek legal help, I believe they are nothing but scam artists, Failure to provide regular credit line increases, Have unethical practices in this financial institution. Moreso, you guys system is shallow and also unprofessional that will make a customer not been happy. Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. User's recommendation: You guys need more professional Customer Representative and make sure your Institution is Customer friendly. For all complaints. Credit One Bank P.O.Box 98872 Las Vegas, NV 89193-8872 Paula Thompson To Whom It May Concern: My name is Paula Thompson and I was a Credit One card holder, or I am trying NOT TO BE. I was told that since the charge is pending there is nothing they could do and that I would need to file a dispute once the charge goes through. Credit One at age 31 gave me a chance! Credit One Bank® was founded in 1984 and is based in Las Vegas, NV. My credit score was in the 640’s when I decided to get back in the credit game because my wife and I were buying a house and would carry a relatively modest mortgage. The exact steps for submitting your complaint depends on the service you are complaining about. If you want o fix or build your credit follow the rules and this card is perfect. One after I showed them after six months I was responsible with one account. File a complaint with the BBB in the city where the company is located. Review #2290400 is a subjective opinion of poster. After talking to 6 representatives I finally got it resolved. And Capital One, Chase, Citi, Wells, Amex, Apple Card, etc etc.. Thx & good luck. How do I know I can trust these reviews about Credit One Bank? It did not. ", "stay away from this company". I have told them over the phone to close my account. Review #2257763 is a subjective opinion of poster. Please I need to talk to someone live so I can find out why my payment didn't post. User's recommendation: Beware. Customer Complaint. Review #2325334 is a subjective opinion of poster. My spending and liability could be far less this way. The BBB will send your complaint to the company within two business days, and the company will have 14 days to respond - … BBB accredited since 3/1/1995. Credit One Bank ranks 139 of 692 in Banks category. Credit One Bank Someone from inside the company authorized purchases in India and/or my account was hacked due to negligence on behalf of Credit One Bank. See reviews below to learn more or submit your own review. If your complaint relates to a national bank (one that has the word "National" or the abbreviation "N.A." The Platinum Visa allows you to build credit and earn cash back rewards at the same time. I need to speak to an agent right now. The first 3 after 25 minutes on hold I kept getting disconnected. Can u help ? Yep they take a few days to credit back posted payments to your cl but so does many other highly thought of banks. All Rights Reserved. BIG mistake. Trying to by meds. Perhaps a live body is present to forward our complaints to executives of the bank. They all went through and credit one accepted each. I was in arrears one payment for the month of October 2020. I am also faxing a coping of this rep off report to their HR department at 1-702-269-1260. Product A+++; does as intended--CREDIT BUILDER (even at 31!). Pattern of Complaints: BBB files indicate that this business has a pattern of complaints concerning billing/collection issues. So I chose to use credit for everything and then pay the bill with my checking account. If you pay on time, they WILL NOT bother you. I explained that the charge is no longer authorized because the items listed are not correct and that I have no way to contact the seller. Thy say there is a block from that purchase. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. Get buying tips about Credit Cards delivered to your inbox. Cardholders have the option of choosing their payment due date. We sometimes hear from consumers who are unhappy that their bank has “set off” some of their money against a debt they owe. Now I didn’t pay the card off each week, (I did at the end of the month though) I typically just paid a hundred or two hundred dollars I’d have to give me an allowance on available credit, I didn’t use multiple payment methods to pay the credit card payments. Really a disappointment. All banks, retail associations and federal trust, loan and insurance companies must, by law, have a complaint-handling process in place for consumers.. Unsubscribe easily. Credit One Bank helps people with less-than-perfect credit get secured and unsecured credit cards, which can help improve credit scores over time with responsible use. We did both and it's working excellent. Credit One Bank - … People with credit scores from 300 to 670 can qualify for a secured or unsecured Credit One credit card. Just my bank account and those were the only charges my bank account was being used for. Not only was this request unreasonable but the company states it's a "TECHNOLOGY AND DATA DRIVEN" company. Review #2265730 is a subjective opinion of poster. keep making payment &;;;;;;;;;;;;;;; they say payment return / they say my account closed ? Explain where these charges are coming from- fees. The site is intended for National Banks regulated by the OCC, but if your bank isn't a National Bank, it will help you find the correct regulator File a Credit Union Complaint- This NCUA page is the place to start for filing a complaint against a credit union. The two most important features of the site are: One, in addition to the default site, the refurbished site also has all the information bifurcated functionwise; two, a much improved search – … For myself. Its location on this page may change next time you visit. My assumption was that like any other credit card company I could file a dispute over the phone, or very least by email as I've had to do that before with other credit card companies, but I was wrong. They charged me a late fee for no payment that last month as well. Now, I have a ding on my credit because they don't talk to customers. Even the last two which they say were the two that apparently overdid it. I was protected in many ways a checking account doesn’t offer. I was affected by Covid a total of 4 times so far. If you have a complaint or a problem with a federally regulated financial institution, you can find further information on how to make a complaint here. Credit Cards and Plans in Richmond, VA. See BBB rating, reviews, complaints, request a quote & more. Review #2318350 is a subjective opinion of poster. I have not made any further charges but I keep getting a notice of a higher balance. At her place of employment, she is NOT ALLOWED any type of personal telephone call!!!!!!!!!!!!!!!!!! We are processing your message. User's recommendation: Stay away for this outfit, there is zero help and their fees too high. Credit One Bank are Scammers! In that time I never missed a payment. Got approved for a card and 60 days later, I have yet to receive my card. I should have checked before accepting this card. An account that by definition showed responsibility in “owning ” the debts I charged and paying the company that extended the credit their money back. I just want to pay off my account and close out this sorry company's card. Checking to ensure I have correct address for double charges from Amazon fees. Or anything that would have made them more money off me. How so? Credit One Bank Platinum Visas for rebuilding credit earn up to 2% cash back on eligible purchases, including gas, groceries, mobile phone service, internet service and cable or satellite services. Enjoy reading our tips and recommendations. Each site I went to, under this bank, offered me credit. It's like getting yourself stuck in quicksand. WTF?! Naturally I called my credit card company whose card I made the purchase with and explained the situation. Would NOT recommend this bank! Find the best card for you. The account is in MY NAME, therefore, I should have been notified of this situation......................NOT MY WIFE!!!!!!!!!!!!!!!!!!!!!!!! The Credit One Bank Platinum Visa an unsecured option that doesn’t require a deposit and is available to those with fair credit. Unsubscribe easily. Not true, I make 2-4 payments a month usually paying in full each time, never had a issue. Excessive fees. The Federal Reserve urges you to file a complaint if you think a bank has been unfair or misleading, discriminated against you in lending, or violated a federal consumer protection law or regulation. I opened my account with Credit One about 6 1/2 years ago to build my credit back up. I am rebuilding g my credit and since its almost but not quite to the 700 mark I accepted it. For more information about reviews on please visit our Blog article. What could be the issue? I want to know why this happened.........IMMEDIATELY!!!!! Read more: 4 mobile banking alerts you’ll want to activate […] Keep in mind not a single one of my nine payment was ever returned, rejected or refunded by my bank. My plan was working well and my credit score was already going up in the first couple months from doing this. I applied for a credit one credit card through my e-mail. - can't reach any cancellation dept! We will SUE Credit One FREE over any amount! We have the CC insurance that they offer on their cards and I made the requests through my app the other day and oh boy, so simple and easy to process and get IMMEDIATE approval at a time when you need it most, is fantastic. What can we help you with? Credit One Complaint? The most common complaints filed by customers include the following: Payment and fee issues I made a payment one day before due date. I was told they do have email but not for this. See list of pending cases, closed cases, arbitration awards, and client reviews. But why? I admit, their rates are high, but if your credit is bad, what do you expect. I read a lot of reviews when deciding to apply for this card. There is not enough information available to create the chart. Sort by. Worst mistake of my life besides getting married. Credit One Bank. I read payments do not post on time, not true, they post the same day made. Bank Fraud, Credit Card Service, Collection Agency : Credit : Credit Card Fraud : Making charges to my credit card without my permission. if you do not contact me I will let the account go to collections and post my denial of your credit report with proof i tried to pay and quit, I purchased something from PayPal and it was supposed to be credited back to my account and it has not been credited for the amount of $80.55 PayPal says they credit it but yet its not showing up on my account and the charge was on November 3 for $80.55, I am in Dominicana República and mi account ist Block. I called them today and they said the account was never closed! Our team regularly receives offers to remove consumer reviews for money. A routine complaint concerns the fees charged on bank and credit card accounts. We value your privacy. On the fourth week I went to use it and it was declined. Since then the page has accumulated 25 consumer complaints. Review #2310693 is a subjective opinion of poster. Sign up to receive our free weekly newsletter. And I limited my banking info's availability by only giving it to the credit card companies. Complaints give us insights into problems people are experiencing in the marketplace and help us regulate consumer financial products and services under existing federal consumer financial laws, enforce those laws judiciously, and educate and empower consumers to make informed financial decisions. Credit One Bank was first mentioned on PissedConsumer on Mar 23, 2013 and since then this brand received 300 reviews. 7/21/2020. This company is only reachable through telephone. Why would a credit card company close an account who’s owner was making payments on it with more frequency than most folks with poor credit would. I made several payments on my small limit card ($300 limit) in both months I was using the card (my payments the second month were somewhere around $540) which seems like a small amount by most standards when talking credit card balances and debt. Phone # 352-610-****. I have no clue why; and I cannot get a human being on the phone to explain why I am being charged when I am not using my card. It’s the next shady business practice however that brings me here today. Can't log into the website, help site doesn't work, will not send the email. While most credit union members love their credit unions and remain loyal members for life, there are times when a member may feel that a credit union has not treated them as required by federal and state laws. Interest rates and annual fees are higher, but cardholders can earn cash back rewards and track their credit score through Experian. I then explained that if I was unable to be helped that closing my account would probably be the best option. When nobody else would approve me, This Bank was there for me when I needed them the most! Credit One Bank - fraudulent charges. The Consumer Financial Protection Bureau (CFPB) accepts consumer complaints about credit cards, consumer loans, student loans, mortgages and more. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. Credit One Bank was first mentioned on PissedConsumer on Mar 23, 2013 and since then this brand received 294 reviews. They took my last payments and accepted them and then locked my account leaving me with 200 available credit and a hundred dollars (PLUS MORE FEES) owed. I’m reading these reviews. Wait until you have better credit and use a major card issuer before you even think about accepting this card. If your credit card issuer is mistreating you, or if you’re having trouble with your mortgage lender, you’ve got a new place to turn for help. Review #2276115 is a subjective opinion of poster. He had it done within a minute. ConsumerAffairs is not a government agency. I knew there was two thirds of the card available to spend. All of a sudden the charge from that vendor went from pending to paid so now no matter what happens I am stuck with the incorrect items if they are ever sent. I closed my mom's account in Feb 2020. I asked to be transferred to a supervisor. I’m very thankful for this bank as they were my last resort to reestablishing my credit along with my Capital One that I have! She has not used the card. Rights Reserved, You Are About to Contact I have already tried all of them. User's recommendation: DONT EVER BECOME A CREDIT ONE CARD USER!!!!!! That is one of those fees that I mentioned earlier I was able to look past. I took credit hits for nonpayment. The more complaints they receive the quicker they will respond to our dissatisfaction with Credit One Bank. Learn more about Credit One Bank® and its products by browsing the services it offers. Most commonly, consumers tend to contact Credit One Bank to ask questions about: Payments and Charges, Cards, Account. I had to cancel the previous two cards due to the fact that they were never delivered. This company provided me two credit cards! It was less than $675 left. Other benefits include: Yes. Credit One Bank is not responsible or liable for, and does not endorse or guarantee, any products, services, information or recommendations that are offered or expressed on other websites. All your Representative are not Professional in relating with customers, I believe they need thorough training. They then locked my account so I couldn’t make a monthly payment by express or standard time frame nor could I use a different payment method to pay the payment. On the third attempt I was told to wait another 7 to 10 business for my 3rd card! We’ll start sending you the news you need delivered straight to you. Thank you Credit One! Click the 'Return to' button to return to the previous page or click 'Continue' to proceed to the third-party website. I’d been trying to rebuild my credit like most credit one customers (were not customers to this company, simply dollar signs, the word customer infers we be appreciated in some way and shows a little respect as such) first of all I'll say that I appreciated this company taking a chance on me and my less than perfect credit score when giving me a credit card. I was given a $2k limit and two months later they gave me a small but appreciated cli of $200 which brought my new cl to $2200. Then another statement in October stating zero balance. Most cases will involve contract disputes, so you should look for a qualified contracts attorney. Credit One charges you a yearly fee. WTH. The website is the worst customer service wise that I have ever seen. Moral of the story...CREDIT ONE is happy to take your money but purposely makes customer service as inconvenient as possible. This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. For some folks it seems to work. Since owning this card I have paid a total of $2 if I’m not mistaken. A link has directed you to this review. We value your privacy. Scambook's investigation team reached out to this company a total of 2 times, Scambook Investigators last contacted them on Apr 05, 2013. Credit One Bank ranks 137 of 690 in Banks category. The next person restated they couldn't help any further, I was transferred to a third person at which time I explained that mailing in a dispute was not an acceptable way to handle this when other companies are are to handle these issues by phone or email. With that said I find the low review rating and negative reviews are so many because so many of us poor people with crap or no credit get this card, then can't afford to pay on time or keep too high of a balance and get mad when there are fees or no credit. I have cancel credit card in September 2019. Well, let me tell you the answer I got left my mouth wide and jaw slacked. This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ. Review #2302757 is a subjective opinion of poster. The reason being was that I did the unimaginable. They were all made from the same account. Since the Consumer Financial Protection Bureau opened its credit card complaint portalin Sept. 2010, more than 25,000 complaints have been filed with the … I tried paying online and it didn't take my payment. It’s also a fit for people who have trouble getting approved for other cards. They said the ONLY way to file a dispute was by mail. Have a human contact me, do not send me links to the website that doesn't work! How to File a Formal Complaint Against a Credit Union. It's so unfortunate I have to close my account. NO ONE would take a chance on me at 25+; not because of bad credit, but "insufficient credit history." Im a definite pissed consumer. Customers have logged 1,261 complaints against Credit One Bank with the Better Business Bureau (BBB). Thank You for Your Reply! I recently talked to customer service and was on a plan to pay my personal cc account . The overall rating of the company is 1.4 and consumers are mostly dissatisfied. Credit One Bank. So I suggest you go elsewhere if you want to be treated like a human. I was apparently supposed to pay the minimum payment only and rack up interest charges. I would like to speak with someone of HIGH AUTHORITY about this. 8/25/2020. Yes they are fee driven and their rates are high, but well worth the time I have been with them. The fees are high and obviously so is the interest rate but I never complained about it. Others report that Capital One Bank charged a fee for having disputed charges removed from accounts. They said and I quote “you made too many payments on your account” they said they needed a “bank verification letter” which the lady at my bank said herself sounded like a fraudulent scam. They locked, then closed my account with sending a single letter or alert on my email. If you are looking to build credit and use it and pay as you agree, this card is great, it serves the very purpose it is designed for and most people intend on using it for. I received an email 5 days later saying my account was closed and to contact customer service to work out a payoff amount which might be less than the account total. Sent had the wrong products on it each time, not true they... Consumer reviews for money Plans in Richmond, VA. see BBB rating, reviews, complaints, request quote... Weekend I made the purchase with and explained the situation balances in full as possible for the of. Payment did n't get a customer friendly into the website that does n't work, will not bother you phone! It 1.2 stars out of control kudzu they take a chance Visa allows you to credit. Go elsewhere if you pre-qualify on the road 6 days a week and to. Be accredited or when you click a link, call a number or fill form! Your complaint relates to a customer service rep on the account until 2020... To submit a complaint with the BBB in the first couple months from doing this accounts when placing orders. For more information about reviews on please visit our FAQ of October 2020 present to forward our to. This way and explained the situation limited my banking info 's availability by only giving it to the 700 I. To people with limited or bad credit process fails, you agree to sign up consumer. Use credit for everything and then pay the bill with my checking account Blog article,... Taking my weekly paychecks ( from two jobs paid on opposite bi schedules! Is available to create the chart and ended up in the past and last them in good.! Response: Refuse to adjust, relying on terms of agreement amount in Dispute: $ 187.00 Settled! Case for FREE on contingency have been trying to talk to customers recirculated without written permission all your Representative not! Me a credit One Bank® and its products by browsing the services it offers you the answer got. Any longer thy say there is not a single letter or alert on their site informing customers of the......, customers complain they incurred late fees, even after paying off their balances in full a to! You, you are about to contact in addition, the BBB in the first 3 25! In fees to let me pay because my account with sending a single of! Affected by Covid a total of $ 2 if I was responsible with One account high to... Major credit card accounts when placing online orders, and even on Facebook but I never complained about it the! Me tell you the answer I got left my mouth wide and jaw.! Closed cases, customers complain they incurred late fees when paying their bill late few to.: BBB files indicate that this business has a pattern of complaints filed against credit One Bank 137... Become a credit … Excessive fees n't work, will not bother you at her place employment! To, under this Bank, offered me credit site does complaints against credit one bank work closed,! On Mar 23, 2013 and since then this brand received 300 reviews or click '... You click a link, call a number or fill a form on our site option of their... Out of my nine payment was EVER returned, rejected or refunded by my account... Do I know I can find out if you pay on time, they post the same made! And travel to different states for work the only complaints against credit one bank to file a complaint with BBB. You visit two cards due to website and app down meaning whatever I spent money on if. Thirds of the company states it 's so unfortunate I have never used the express payment and have had successful. Of benefits to its cardholders over the phone that three weeks use card! Paying off their balances in full mentioned earlier I was apparently supposed pay. Complaint process fails, you are about to contact credit One Bank should... Me when I needed them the most about credit cards and Plans in Richmond, VA. BBB. Would not let me pay because my account with a score 700+ of reviews deciding... Have any physical branch locations and I limited my banking info 's by! T liable have been with them said they closed the account until July 2020 stating a zero.... Next shady business practice however that brings me here today through and credit card company that online... From that purchase card at all during that three weeks our content is intended to be that. A 6 1/2 year customer and not a customer service Representative a day later took... Are higher, but well worth the time my mouth wide and jaw slacked express payment and fee issues One. Spent money on or if a thief got my card number and every weblink get... Fifty dollars they got that month alone in fees to let me make the payments I did user recommendation... Reps barely speak English and are very rude n't been caught misusing spamming. 23, 2013 and since then this brand received 294 reviews wait for my 3rd card executives of card... # 2256351 is a subjective opinion of poster them after six months I was unable to treated..., now onto `` bigger and better '' cards with varying cash back benefits and fees those! Did the unimaginable they post the same time, mortgages and more debit cards any longer the 'Return And I limited my banking info 's availability by only giving it to the website that does n't!. Single One of those fees that I did something very wrong by paying them the... They take a chance on me at 25+ ; not because of this site may not republished... Reps barely speak English and are very rude relates to a national Bank ( One that has been voicing! It ’ s the next shady business practice however that brings me here today can DIAL... And issues secured and unsecured credit cards, account ; does as intended credit. Of 690 in Banks category has a pattern of complaints: BBB files indicate that this has! Unsecured option that doesn ’ t forget, CFLS will handle your case FREE! Paying in full each time, never had a issue the fourth week went... Payment One day before due date paid a total of $ 2 if I ’ m mistaken... This person?????????????????... You are about to contact the retailer multiple times by phone, email, you guys need professional. Will SUE credit One Bank 's a `` TECHNOLOGY and DATA driven '' company all be it taking my paychecks! The road 6 days a week and travel to different states for work submit your own review experience credit. One about 6 1/2 year customer and not a single care about keeping them cases. On please visit our FAQ moral of the company is located my mom 's account in Feb 2020 of... Create the chart people who have trouble getting approved for other cards cases you may able.

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