# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d49ae6d72db14f70a58f89441f20cf6b
encoding: FLOAT32
metadata:
{"chroma:document": "This is one of the most horrible credit card approval I have ever experienced. Trying to build my credit score has CA it set me a decrease in my score. Approved for $300 and leaving me the availability to spend $150. On top of that a $75 annual fee was taken as soon as I received the card. A recent incident occurred 11/4/2018 via communication received the breach the customer's accounts and there was nothing to worry about. I tried paying my bill online and discovered my bank account information was gone and a debit card information that I pay my bill from is gone. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c83a99c9e23b477aa37f46f313f1ff9a
encoding: FLOAT32
metadata:
{"chroma:document": "I have paid this credit card off and I noticed they were charging monthly fees between $8.25-$8.66 every month. I couldn't figure out why. When I called, they did inform me that, \"Yes, it is monthly fees\". They connect me to Account Specialist and they acted like they were going to do me a favor by taking the monthly fee away until JULY 2019. I have excellent credit and I've had this credit card since 2002 (16 years). I do not remember having to pay a monthly fee like this. Also, they sent out mass texts on \"Your payment is overdue\". I freaked out! I have a $0 balance. Credit One says it was a system error. You would think with all the money they are ripping people off with the monthly charges, they would be able to keep their system running smoothly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a46a882fe89048a8afceef5ed659dbf7
encoding: FLOAT32
metadata:
{"chroma:document": "Online application leads you to believe there is $0 annual fee. They do not send you any email regarding your application and then once you finally manage to log onto their website, you'll be surprised to find a $75 annual fee that you agreed to somewhere in their tiny fine print... UNETHICAL."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f47f60c2a2849aa815cf3946c93df9f
encoding: FLOAT32
metadata:
{"chroma:document": "I am going to blog about this card company that needs to be put out of business. I receive an offer via mail. Accepted the offer without researching the history and customer reviews. That's my fault. I have only been able to use my card once. Each and every other transaction has been declined due to let them tell it to protect your card from fraudulent charges. I will call. Confirm it was me. I'm then told I have to wait 30 min then I can try again. However if it does not work use another card or wait 24 hrs. Are you serious? Once I verify I have to go thru all of this. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 051d1c34b2a342a6b86f76657e62f37c
encoding: FLOAT32
metadata:
{"chroma:document": "I received a text last night saying my payment was overdue. Funny thing I paid it off a week ago and knew I had a zero balance. I tried calling, getting on their website and could not. I worried all night. The acct got hacked with a link to my payments going to my checking acct. Called and canceled my card today and they tried very hard to talk me out of it. I told them I cut the card and to cancel. I received a confirmation number, but I still do not trust they did what I said. Will check back in a few days. They do not have an explanation as to what happened last night. Goodbye Credit One."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3c96443cb4c4a83b6ffd2326f3f5e63
encoding: FLOAT32
metadata:
{"chroma:document": "This credit card company is by far the worst I have ever dealt with! I got a card with a 300$ credit limit in February of 2016. I have paid three times the amount I have borrowed and still have a 650$ bill! When I try to pay my bill online they let me go log in and approve a payment then at the end they display a barely visible message saying I\u2019m locked out of my account and in order to make a payment I have to call. Then when I call they usually charge a fee for paying it over the phone. The first few times a didn\u2019t see the tiny error message and then was charge an outrageous late fee. They also charge a MONTHLY membership fee of about 12-13$! The interest rates are also thru the roof! This company screws you over. DO NOT GET!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 855ed24a72324c968aa3dcc869465d96
encoding: FLOAT32
metadata:
{"chroma:document": "Just received card on Nov 28, 2018, can't get a hold a customer service rep. Due date is not until Dec 21, 2018. Received message stating past due, then ask for Social by automation. Holding for 30 min and phone shuts off. I continue to call and nothing. Website is down. I will call Better Business Bureau and Credit Bureau tomorrow. This is sad. It's so difficult to keep building and maintaining and now this scam. I'm very upset. Now this..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de8f8673577c4cc08cc73c58ab0af437
encoding: FLOAT32
metadata:
{"chroma:document": "I paid both credit cards off and canceled with this company in 03/18 and I just got a text from them with the last four numbers of the card I canceled saying my monthly payment is past due. 10 months later they're trying to bill me for something I have no idea what and I tried calling both numbers and they hang up after so many rings. I've tried going online and their site won't even open. It says they're available 24 hours a day and can't get a hold of anybody online or by phone. They're scammers trying to get away with something. I'm filing a Report with Consumers Financial Protection Bureau, www.consumerfinance.gov/Complaint, today 12/6/18. Hopefully they can get some answers!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c78870a94eb481bb4c2b40d78799006
encoding: FLOAT32
metadata:
{"chroma:document": "This bank will end up in a class action suit in the near future because I intend to start one. I called about the annual fee and they agreed to waive it if I stayed... So I did. 2 months later they began billing me again for this annual fee. I tried calling again to cancel the card... Impossible. Today I just paid my balance in full and got a text message and hour later that I was past due when my billing due date is somewhere at the end of the month. I can't call to talk to a human because their phones aren't working and I can't log into my account online because their website isn't working either. Criminals...that is all I have to say!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 015881dc602d47d08bdb2734d4074c52
encoding: FLOAT32
metadata:
{"chroma:document": "Last year at this time I received my Christmas bonus and paid off all my credit cards. Credit One though ran the cell through twice on my checking account which then in turn put my account negative. Other checks were out still coming in running my account further and further and further in the hole 2 weeks before Christmas. I have children. I have a wife. I have grandkids. I called to resolve the issue and they refused to cut me a check and mail it back or just flat-out deposit it right back into my account which we all know is possible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 594a367b51734b7f91de78e52b7af999
encoding: FLOAT32
metadata:
{"chroma:document": "Closed accounts several months ago. Making payments on time! Harassing me with text messages that payments are late. Unable to reach them by phone. Their site isn\u2019t working! Never happened until I closed my accounts. So sorry I ever opened accounts with them!!! They are not available. I\u2019m afraid they will ruin my credit! This company is a fraud! So many are complaining about the same issues. They need to be reported. Make a payment, decide to close accounts and the harassment begins!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b633dffa8144932a53e6a14631faba5
encoding: FLOAT32
metadata:
{"chroma:document": "I wouldn\u2019t advise anyone to ever get a card from them... I got the card to rebuild credit...I went to pay them on the due date which had to be paid by 5:30 Pacific Standard Time. I paid by 4:30. I called to be sure I was on time. The rep said I was. They still charged me a late fee reported it on my credit... They show you your credit score. It\u2019s not accurate. Been with them over 8 months no credit increase. And today I got a text saying my payment was past due and it\u2019s not due for another week... Once I get them paid off I am closing the account. I don\u2019t care if my credit score does drop."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5b74a8c72b7542ad829693f74b0bd0a5
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a card from Credit One for roughly 4 months. In my second month, I was unable to reach their website from home or work trying to make a payment the day before my due date. The site was not working. I called them and they refused to acknowledge that the site was down, and told me I had to pay a fee to make a payment over the phone. I was not happy. 2 months later, I get a text from them that my payment is late. How can that be? I check my Outlook calendar, where I keep all my monthly payments as recurring appointments, and there is Credit One on the 16th each month. Today is only the 6th. I checked my last payment made to them, it was on the 14th of November. How can I possibly be late?? I try to log in, site won't respond. I VPN into work from my computer (home internet is Comcast, work is FIOS), thinking maybe it's a Comcast thing. Nope. Can't reach their site from my work PC either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa3e9e7b8b934d4da7f84419d0d5adfb
encoding: FLOAT32
metadata:
{"chroma:document": "I received a text this evening stating that my card payment is past due. I find this interesting because I just paid them on December 4th 2018, which was 2 days ago. I attempted to login to their website numerous times on my computer using both Internet explorer and Chrome. Nothing worked on that site, browsers just keep spinning. I even cleared the cookies and cache. I next attempted calling their phone number listed on the back of the cards, just rings a couple times and goes busy. I also tried calling their technical support number and it just keeps ringing, no answer. What the heck is going on?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c308d0f0db28423783f6060c3ddf546b
encoding: FLOAT32
metadata:
{"chroma:document": "I have tried to make a payment to this bank for a credit card I have with this junk bank and I can not get on website or get through on the phone but did receive a text from the bank saying my account is past due and have been charged a late fee even though I have been trying to log onto their website and called their number 877-825-3542 and had no luck contacting a human or computer. Why is this legal? Why can this bank get away with doing this to people who have never missed a payment or have never been late? They must really be needing money...it should not be legal!! They do not deserve the star that I was forced to rate them with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd539108c633445e969e8e6944efadf9
encoding: FLOAT32
metadata:
{"chroma:document": "I am trying to cancel my card, or even get into touch with this business at all. I've called their customer service line (the only phone number available connected to this company at all) and tried to visit their email (which hangs, and somehow even managed to crash my browser). This is absurd. This is clearly a fraudulent company and should be shut down by the government. In the meantime I'm reaching out to everyone who says they work here on LinkedIn to find out if they are real or not, and to urge them to make better life decisions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e49eef9ddc749b2aa079270915a6735
encoding: FLOAT32
metadata:
{"chroma:document": "Latest episode - I just received a text message saying the account I closed nearly A YEAR AGO, is past due! I called for the 5th time (yes, I'm keeping track) to find out why I received this annoying text. After twenty minutes on hold, a rep comes on the line and says they are having \"systems issues\" and asked me to call back in one or two hours and said, \"Thank you for calling\" and hung up on me without my being able to utter a single word. I called back again and after waiting 30 minutes this time, I interrupted the rep trying to say the same thing again and asked why I received a text saying my year-long closed account had an overdue balance and I was told that their \"system error\" was sending out text messages telling their customers they had overdue balances. The rep couldn't check to tell me anything about my supposedly closed account either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09b14c08e7c74c528fd87171b794afb6
encoding: FLOAT32
metadata:
{"chroma:document": "Like so many other reviews before mine, I totally agree that this is a real bad credit card that you can get. I have been with them for 3 yrs and my account was in good standing, never late & using it often. But they closed my account just last week after my current card expired for no good reason!!! My credit score had gone up since I first opened the account. They can't give me any legit reasons for not renewing my card. Stay away from this card unless you want headaches & frustrations!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5ded160825c42f994271af398c32483
encoding: FLOAT32
metadata:
{"chroma:document": "This company repeatedly shut off access to my account, blocked my account, suspended my account online, refused to take early payments for my balance, made it difficult to make payments. You cannot understand anyone who speaks to you on the phone. The department that I needed to speak to so I could pay off and CLOSE this account was conveniently closed every time I called there so I couldn't even close this account. I missed ONE payment by two days due to some issues with my computer dying and having to buy a new one. They suspended my account and it took me THREE WEEKS of calling there and getting the runaround to finally speak to someone. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09f36c99d7c24cb5ab03bf1c012ddca7
encoding: FLOAT32
metadata:
{"chroma:document": "I paid my balance off in full. Went to use it and it was blocked because I paid my balance off. Was told I needed to send a bank verification letter. So my bank send in a bank verification letter and spoke to rep to confirm I was the owner of the checking account the payment was coming from. Removed the block. Then I went to use two days later to purchase a Christmas gift and was blocked for suspicious activity. Called, confirmed activity via text and still blocked so I called in. Confirmed yet again via automated system and went to use and still blocked! So I called in to customer service and was told I needed to fax a valid ID and utility's bill before my card could get unblocked! Worst bank ever. I never had such hard time using a credit card. Don\u2019t apply for this card. You will be sending your personal information each time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8938511560ef4025a471a60d9306375c
encoding: FLOAT32
metadata:
{"chroma:document": "I was notified of a possible fraud charge on my account and it was locked. I also use paperless statements and get them through e-mail. Called to resolve it and I need the monthly due date and the account number. I do not know the monthly due date because I pay everything on the first of every month regardless of when it's actually due. I have to log on to the site in order to get the information that they need and I cannot do that because they locked the account but the fees and interest charges are still adding daily. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b49b1bc3d14649ea8d2fbd5d294b48b1
encoding: FLOAT32
metadata:
{"chroma:document": "Do not take one of these cards from this company...even if they send you a card in the mail without even applying which is how I think I got this card. Used this card while traveling on vacation for a few hotels. Not a large balance. Have always received my statements in my mailbox NOT my email. Your email is a bad place. Just one more room for error and forget to pay is what I say so I never do it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc563a875920482981f4bcee7f3730bb
encoding: FLOAT32
metadata:
{"chroma:document": "My monthly payments are $35.00 a month, I pay $75.00 a month. I locked the card away over a year ago and haven't touched it yet. After a year of payments my available credit is $52.00 of a $700.00 limit. Last year before I locked up the card I paid $700.00 to pay off the card so I could use it in Vegas, by the time I got to LV my card was locked and I could not use it and my balance was $735.00. I called to see what was going on with my card this morning and was given the runaround and told there was an $8.00 a month annual fee and a $6.00 insurance fee. They said there were no other fees. I wanted to close the account but was told that I would continue to be charged these fee even though I no longer had an account with this bank. Plus they keep pushing a $150.oo credit increase for a $25.00 one time fee. Something is rotten at Credit One Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6fcdc5e1c2374a7ca39ce0bfa6945e44
encoding: FLOAT32
metadata:
{"chroma:document": "My complaint is regarding deceptive behavior and financial fraud that is the standard of business at Credit One Bank. I opened a card with Credit One in September 2018 to help build and establish my credit. I had received a mailer from them saying I was pre-approved for an account. Nowhere in the paperwork does it tell you that they charge you a $50 fee every month to use the card. It is a hidden fee. And even when you call them and ask they dance around the topic."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1068db806d2947229d9f305a6462eab5
encoding: FLOAT32
metadata:
{"chroma:document": "They lock my card up after 6 months... I asked them for a reason. They gave me a few excuses. The first was because of the merchant...really Walmart. The second was suspicious activities. I used the card about twice that week. One was Wawa. The other was Walmart. Then they told me they cannot unlock my card until I provide a copy of my license and residence by mail and when they receive, it would take 7 to 10 business days to unlock. If you feel like being embarrassed by a card this is a good choice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8fd1643599fc4766bb6fbd1a3b820b2a
encoding: FLOAT32
metadata:
{"chroma:document": "Like everyone else I wanted a company to help me with my credit. I thought I was applying at Capital One. To my dismay it was Credit One. They have the same logo as Capital One. When I called him out on it they beg me to stay with them and they will waive a part of my annual fee. I did. I decided to give them a try. Was the worst thing I ever did. I'm surprised the Attorney General haven't investigated this company. They charge me a $25 late fee when they receive my payment. It takes them 5 days to get the payment from your bank or payment center. And I think they do that intentionally so they could charge you the $25 late fee. Which basically give you a low credit score so it defeats the purpose. They are based overseas. They need to be investigated by the banking industry. Stay away from them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1472b7e0460e47fb889f12f86b8b9866
encoding: FLOAT32
metadata:
{"chroma:document": "I was desperate a few years ago, that's my excuse. Be aware they charge interest daily... so even if you pay off the card every month, you still pay interest. Customer service is horrible. Fees Fees Fees. They put a $45 fee on my card year 2 with no notification. If you want your payment to post right away, that costs $9.95. Only reason I'm keeping the card is if I cancel, I'll take a hit on my credit score. I will never charge anything on this card again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e140149df7d4b049b37c0c5afd8e5e3
encoding: FLOAT32
metadata:
{"chroma:document": "I just called customer service after discovering I got charged interest even though I paid the previous statement balance in full. She explained to me there is no way to avoid paying interest charges each month even if I pay my balance off in full each month. This is the first card I've ever had that rips you off like that. I told her I'm paying off the balance and closing the card. Ridiculous!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 14c3d9caa9e544d8828ab4a91c89896c
encoding: FLOAT32
metadata:
{"chroma:document": "OMG... the worst customer service EVER!! I still cannot use my credit card because it's locked. Here's my story and how it all began - I have a large limit, and paid my balance just over 1/2 of what was owed. Payment cleared my bank, then an unexpected emergency came up with a family member and I needed to purchase them some personal items, well while at Walmart I decided to shop for Thanksgiving dinner. Went to check out and use my card for a $397 purchase and it was declined! I was embarrassed beyond embarrassed because I didn't have another form of payment with me as I use (Walmart Pay) and only had this credit card loaded."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 319672bbaa44455998dafb363e309545
encoding: FLOAT32
metadata:
{"chroma:document": "Tried to log in the morning of 19 November 2018 and found that I was unable. Login attempts would just sit there with swirling arrows in the login button. Against my better judgment, I called in to speak with a rep. After pounding random keys for 5 minutes, I was finally able to reach an \"Ivan\" who I'm not sure is really named Ivan given the Indian like accent. Tried to explain that the logins weren't happening... no errors or anything. The guy was absolutely clueless, it was like talking to a robot. Kept saying he apologized for whatever inconvenience over a dozen times during the call to which I told him no more apologizing. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 69d46399755d4d7ba19bfaa30c7d002c
encoding: FLOAT32
metadata:
{"chroma:document": "Today I checked the balances on all of my credit cards today and when I got to this one, the balance was twice as much as I remember using. So I go on my online account which was like pulling teeth to get into and I see late fee, late fee, late fee, annual fee. I got 3 late fees totaling $95.00. I THOUGHT I had auto-pay set up. Funny last year I did and when the balance was paid off, they were still taking out $50.00 a month. I made a $100.00 payment today and as soon as this gets paid off, I'm done!! Mind you I have many other cards and this is the ONLY one I've had late fees and a problem with. SCREW THIS COMPANY!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8770314b2694f568f5290ed4b1e7605
encoding: FLOAT32
metadata:
{"chroma:document": "I have 2 credit cards with this company which I am so done with them. I always get sent to another country and this evening I had to make 3 calls to them because I was left on hold for over 10 minutes each time. Finally the last call the gentleman would NOT answer my question and I said, \"Well I will have to call corporate to find out what these charges are. Well (Stephen customer service rep) threatened me and said, \"If you are going to call corporate we are going to have to end this call. I lost my ** and went off on him. I have never been treated so poorly by a credit card company in my life. A month ago I went through the same process on trying to change my name and India wanted me to send my SS, Driver's License and Marriage certificate to them. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d8216fb884bb4683ab69fa7b3125b160
encoding: FLOAT32
metadata:
{"chroma:document": "I mailed in a check for payment to my credit card account. My statement was in the envelope and my account number was written on the check. I waited almost 2 weeks and my payment was still not posted. My husband also has a Visa with them so I checked his account. He already had a zero balance on his account but they posted my check with my account number to his account giving him a credit of $1500. While my account still had a $1500 balance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 780ab9205ded4483971f9c19b2a5afb9
encoding: FLOAT32
metadata:
{"chroma:document": "I thought the credit card was good. My pre-approval letter said no interest for the first year no annual fee but once I checked my statements (15 months later) I see I have been charged an annual fee AND interest the entire time since the day I used the card. I'm not a happy camper and I will be cancelling my card as soon as it's paid off."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7dd89c3e26534fdd9dc14824f9175bdd
encoding: FLOAT32
metadata:
{"chroma:document": "I thought my card payments were going through until my card was being declined. When I called to ask about it they said they needed an official letter from my bank, Wells Fargo, to let the payments go through... I've never had to do this anywhere before, I don't have time for this so I closed the account but I was able to make a final payment through my WF card so it doesn't make sense. Anyway, too much trouble and not getting informed about returned payments for over a month was probably bad for my credit. Stay away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9268955851e4665bdbc2b7cd688fca8
encoding: FLOAT32
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{"chroma:document": "Twice someone has called Credit One Bank and pretended to be me. They say I have moved and have a new credit card, new number too, sent to that address with my name. This happened at the end of July 2018 and the beginning of November 2018. Each time a different address and number. The first thing they did was pay off the account. In July I caught it before they made any charges. in November they paid off my card then made charges. I think these were valid payments and I wonder who the payment amount was sent back too. Credit One Bank, the fraudulent person? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d194ff0089d2419ab25f3ba805c5f5cc
encoding: FLOAT32
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{"chroma:document": "Total scam!!! I scheduled a payment as I have before through their app - payment to be made early through my bank account. Day after it was due I get an email and notification in the app that my payment was OVERDUE! They tacked on a late fee of $35. I called customer service - they said \"we were unable to locate your account\" - WTH does that mean? We verified the routing and account numbers exactly as they had been before. The only explanation I could get was, \"maybe something has changed with your bank or you had one number wrong\" - We JUST VERIFIED THE NUMBERS!!! I wanted them to take the payment over the phone and got them to waive the late fee, but they would not take the payment from the account - they wanted a debit card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 338651d1eef54729a4740ef5fce57f54
encoding: FLOAT32
metadata:
{"chroma:document": "Stay far far far away from this company. The customer service is awful. I don't mind speaking with reps from other countries but I generally can't understand their reps. If they are going to outsource, they should at least make an attempt to assure the people they are hiring are proficient in English and not beginners. Also, I forgot my password which made it so I could not login into their website and make payments. So I called customer service. I explained to them that I forgot my password and when I requested an email w/ temporary pw, it never came. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 728c8cd15c3a4d58bd237aad481e1412
encoding: FLOAT32
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{"chroma:document": "Be very aware that this company is full of scams. When trying to close my account. I was told my renewal date was months away and I should wait to cancel then and for staying until then, I would credited $39 in my account (which never happened). Now still 2 months before I was told renewal date was, I have already seen my annual fee being charged to my account. Of course now I have to pay it to keep account in good standing. They use pressure tactics to keep you from closing account. DO NOT FALL FOR THEM. I agree with others, stay as far away from this company as possible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 219ebe3e57094edbb922473a906bd3f3
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One bank charges you for every breath you take. They charged me annual fee right away from my balance when I started, they refused to send me a replacement card for free and wants to charge me $25. They charge monthly so many fees including maintenance fee annual fee plus interest. Now I need to make payment but I couldn\u2019t because in order to reset your password you have to type in your credit card number but I don\u2019t have it. In addition, they wants to charge me $9.95 to take the payment by phone. I don\u2019t recommend it. They are aggressive fee charger."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4bf2a586f04a4e3fa1b9ba723f82afea
encoding: FLOAT32
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{"chroma:document": "My checking account was debited twice for a single payment I made, well ahead of the due date. When my Credit Union charged back the nonauthorized payment, Credit One suspended my account. Credit One wanted a validation letter from my bank, which was sent to them. The issue has not been resolved. I will probably close the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 588b386377fe4defbdd770431ccbebe2
encoding: FLOAT32
metadata:
{"chroma:document": "This company is a scam, calling me asking me for my bank account information to deduct money from my account - they offer programs BUT never are allowed to send anything in writing to confirm. They do nothing to help the consumer. My experience was horrible. They are a low life company, stay away at all costs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90f4fd92ef2a4251bb77c6b9d46d91b5
encoding: FLOAT32
metadata:
{"chroma:document": "I wish I could give this company zero stars. Their system deducted two payments from my checking account, at the same time, and they refuse to reverse one of the payments. The customer service supervisor told me that they can't do anything and sometimes their computer system incorrectly reads payments. The company is a total scam."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db7cb4432d4a47b1a06449d8a5b461e7
encoding: FLOAT32
metadata:
{"chroma:document": "Rip off, never getting this card again, company doesn\u2019t follow through on their offers to customers and only allows you to make 3 payments in a month to your card and that's **. Horrible experiences all the way around and c/s and management! They overcharge and are considered a bully in the credit industry especially for those of you trying to repair or rebuild your credit. They don't care about their users."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58fa1308aa0e42bba1f9b9b33eab8e60
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One charges $8.25 every month EVEN IF you cancel your credit card BEFORE your one-year anniversary. As long as you have a balance on your account, they charge their customers a monthly fee. This fee applies EVEN IF you DO NOT receive paper billing statements and EVEN IF all your payments are electronic. The $8.25 monthly fee in ADDITION to monthly APR charges. This company should be avoided by ALL potential customers. They are very dishonest."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ab656b109174dee9a189662c39c5b59
encoding: FLOAT32
metadata:
{"chroma:document": "The absolute worst credit card company I've ever dealt with. They will set you up so you can't pay them before you get paid. They won't change the payment date. They charge you 9 dollars to make a payment. You can't get out from under it because after they close the card you get a charge for 9 dollars... Reopens the card, then they charge one hundred fifty a year so you are just handing over your money and not really getting any credit. They are horrible and predatory...good luck. I'm not paying mine off ever because I already did. This company needs to be banned from doing business in the U.S."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a292ef4f37734bb492bdcb5a262d2f7f
encoding: FLOAT32
metadata:
{"chroma:document": "I haven\u2019t had the card for twenty four hours yet. They somehow blocked my card from transactions. Each time I went to use card it was declined. Never been so embarrassed in my life. I called and the customer service person told me to wait twenty minutes and it would be fixed. I tried in thirty minutes - it wasn\u2019t fixed. Called back and kept getting a recording they were closed. Yet, they're supposed to be open twenty four hours. Praying I can cancel this card and it doesn\u2019t mess up my credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eba8cd01ff5f46a4a23fd20e1d9b5ee4
encoding: FLOAT32
metadata:
{"chroma:document": "Everyone has pretty much covered my list of complaints! Just a horrible credit card company all the way around, period! They are the ones who messed up my auto pay. They are the ones who tacked on fees for their screw up. They won't even acknowledge my email sent to them trying to fix their mess. They are not responsive."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b6f2b1c05e3427ab349593021679307
encoding: FLOAT32
metadata:
{"chroma:document": "I've paid my bill twice with my bank card, now they're saying I have to use another account. This has been nothing but a headache. Trying to get a hold of the Better Business Bureau ASAP. They want you to have bad credit it seems."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5645fd6ffb944aab801eff6954e324e1
encoding: FLOAT32
metadata:
{"chroma:document": "While traveling we had to keep calling the Credit One customer service, they would lock our card after each transaction. We told them we were traveling and they said they put it in the system yet after each use we had to call to unlock the card! When we get back home we are canceling all our cards with them. Not cool when you need to check into your hotel at midnight and can\u2019t because your card is locked."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a8f96bc5b1044e44a797d940b475dad2
encoding: FLOAT32
metadata:
{"chroma:document": "Predatory and unscrupulous lending institution tries to charge $104 in fees and interest on a $300 credit card limit in 30 days. I immediately cut the card and returned it, and when I called them, a woman said if I didn't pay it, they would report me to the three major credit reporting bureaus. I reported them to the three major credit reporting bureaus. They sent me a notice that \"It is not too late to protect your credit rating!\" This bank preys on customers who can be bullied and threatened into paying exorbitant and excessive fees. Credit One needs to be exposed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 169f5af4561c4ba9badf768fda196c6e
encoding: FLOAT32
metadata:
{"chroma:document": "If you want to feel for paying 39 dollar membership fee don't get this creditor. If you want to be embarrassed spend hours on the phone speaking with customer service for every single transaction then do PLEASE APPLY FOR CREDIT ONE. EVERY TIME I MAKE A TRANSACTION I CAN'T BUY WHAT I NEED. Credit One states that the store in which I'm using my card is high-risk retailer at stores and restaurants like Taco Bell Walmart adds discount after spending an hour taking my time to find bargains and more discount to me meet my budget. Card declined sweating chest racing embarrassed about it. ** Josh account supervisor still can't help me. I requested new card perhaps and I have to pay 25 dollar fee. Crazy. Never will I."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aef7da11d0864c3c96e6b40304e15d2e
encoding: FLOAT32
metadata:
{"chroma:document": "This credit card company has been the absolute worst experience for online payment processes. They continually request that I verify small deposits/withdrawals to & from my connected bank account. These can take weeks to happen and online payment access is not allowed until this is done. So, deadlines can come and go unless you make mail payments instead (very inconvenient)!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1d3ef507dbb4105b25f3338e391795b
encoding: FLOAT32
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{"chroma:document": "On 10-12- on hold for almost half an hour waiting to speak to someone about interest calculations. The first customer service person had no idea about how to calculate interest or able to answer any intelligent questions. I don't see any need to elaborate any further- they have the worst customer service of any credit card company I have dealt with before regarding long holds."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64cfd1e061074d9cab0b7874f5016812
encoding: FLOAT32
metadata:
{"chroma:document": "Genuinely disgusted with this company. I was mailed a new card back in July... Never received it. I noticed purchases had been made to the card via the app. Immediately called and reported the card lost/stolen. I was told all would be handled. NOT ONLY did they report the account with fraudulent activity to the credit bureaus which caused my credit score that I have worked my butt off for to go down 112 points overnight, but they then send me a letter informing me that I was responsible for the charges based on the card supposedly being sent to my address and activated from my phone number. I immediately pulled my phone records and have proof which has been faxed to them TWICE now proving that I did not call and activate the card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a890e6feb124b898dad4aef462180ca
encoding: FLOAT32
metadata:
{"chroma:document": "I sent a check to them by mistake. My check was address to Salem Bible Church, not Credit One. No date on check, no signature also. The Bank submit the check and it clear my bank. I call Credit One and ask how did they do that. I also paid the monthly premium. I call my bank and ask how did this check #** clear and it was not address to Credit One Bank. Receive a letter a couple days later from Credit One Bank saying because of that check, my account was close and sold to someone else to collect the balance that was due AND would be sent to credit bureau as a charge off."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 488911fe28a641b4989b04fb2e38bc74
encoding: FLOAT32
metadata:
{"chroma:document": "As like most people I got this card to better my credit. It has done the exact opposite. You start off already owing them $95 for an annual fee. That there should be a statement. I had a $300 credit line to start off with. I then lost my job and feel behind on a few payments. I now owe $916.05!!! I've called and tried to work something out so I can avoid these late fees but they want $300 every month and I can't afford that. You're better off getting a secured credit card and using that responsibly. This company needs legal action taken against them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a048fb2f81a46718a642e1e009a32bc
encoding: FLOAT32
metadata:
{"chroma:document": "I paid my Credit One bill on time every month using their online payment system. One time, the payment was apparently rejected because the bank information was incorrect (it was the same banking info I had used for EVERY payment). They abruptly closed my account preventing any further online access. I had no knowledge of this until I got a letter in the regular mail. I called them and they told me that the banking info was incorrect. I gave them the banking information over the phone (the same info that should have been in their system) and paid my monthly payment. THEY NEVER REINSTATED THE ACCOUNT and on top of that DINGED MY CREDIT FOR A LATE PAYMENT! I am now trying to sort this out and have paid my account in full and closed the account. CREDIT ONE BANK are a terrible company. Do not do business with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 692f051321c246f591ccbb929de251cc
encoding: FLOAT32
metadata:
{"chroma:document": "My husband started out with Credit One to up his Credit Score. I (his wife) pay the bills. I have had nothing but problems with this company and all I do is pay the bill. For 5 years been with this stupid company. Finally thought it was straightened out for me to pay, my husband had them send me a card and I still can\u2019t pay without being bumped out of website. I have no problems with our other credit card companies. This company is the worst credit card I have ever experienced! I cannot believe after reading all of these complaints that they are still in business! What a Scam!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4041ee18f7164b3e96c60b51b406e415
encoding: FLOAT32
metadata:
{"chroma:document": "This has been the absolute worst experience. Each month they strategically changes things/policies causing it increasingly difficult to make payments. They won't allow you to set up automatic payments, nor will they allow you to call to make a payment. They charge ridiculous fees, and try to make new obstacles for you to face when trying to pay your monthly bills (I'm assuming they do this in hopes you'll miss the payment, therefore having to pay them more money). I honestly can go on, but the whole point is just do not even consider. These people will hurt you more than help you. I never write a review or make a complaint, but I did this solely to help someone, or anyone else keep from making a regrettable mistake. Credit is very Important here in the U.S, these people will for sure find a way to mess it up for you, unless you just have endless funds to pay ridiculous amounts. Just be warned."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cf62357bfd25471798ba5897b32474d6
encoding: FLOAT32
metadata:
{"chroma:document": "I have had my Credit One Bank Visa for just over a year. I also had a card with them back in 2010 to help establish credit. This card is targeted at those with poor/rebuilding credit, not at those who are totally new to credit. That being said, this card arrives to you already owing them $75 for the first annual fee. After one year, you are charged a hefty monthly fee of $8.25, labeled as the \u201cannual fee.\u201d The interest rate is high, but not as bad as First Premier Bank. Payments take 5 business days become available, and even paying the express payment fee of $9.95 will only allow $100 to be available the following day and the rest in 5 days. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eccf5010644346dc9374a512d0103488
encoding: FLOAT32
metadata:
{"chroma:document": "I wanted to build up my credit so I got a Credit One card. The first couple of years were just fine. No problems paying online, didn't do express pay as I never needed to use the card asap with a low balance. Things were wonderful. I have trouble remembering what is due when so the email reminders were important to me. They were sent and received like clockwork. Then I got a call from them and was told I had missed a couple of payments. I was shocked as I had never missed a payment. I thought that maybe my Gmail started putting the messages into spam folder for some reason but when I did a search for the emails I found nothing. I found the last reminder I got but then nothing. Looked at the spam folder itself in case it was automatically deleted at some point, but there was still emails in there from before I got the last one from Credit One."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 59a3889156184998955c20d12f35d395
encoding: FLOAT32
metadata:
{"chroma:document": "I had this card made payments at one time. I had just made a payment in the amount of 400. Then I notice I had a balance of 6.46 I set up a payment. I realized I didn't have money in my bank account to cover the charge so I went to cancel the payment. With this company you can't cancel payments. So I guess the payment got returned the company closed my account of 6.46 then said I had an outstanding balance. This is crazy. I called the company. They stated that the account was closed and could not be reopened. Over 6.46."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b44a05fdd55a4c1b991441b0d1198306
encoding: FLOAT32
metadata:
{"chroma:document": "I am a victim of credit card fraud with Credit One. I will be closing this account with them as they do not take theft seriously. I think they give your personal information to people in the USA. They are sending me a new card for the third time in one month. It is disgusting how they get away with this fraud. STAY AWAY FROM CREDIT ONE CREDIT CARD. They have caused me nothing but trouble!! I will be reporting them to the FTC and the FBI."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce3069f34ff34fa7adea90905c6e86d5
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{"chroma:document": "I never get a credit card with an annual fee, but it wasn\u2019t obvious. Blurred in the fine print; $95 Annual Fee <\u2014 Ripoff; Upon approval acceptance you're automatically in debt $95. Payments: delayed 4 to 5 days; you can expedite for $10 or $15 dollars. Another Scam: <\u2014 Ripoff. Here\u2019s where they shine: Based in Las Vegas, NV but their customer service is based in the Philippines. You using voice over IP: Can a company be any more cheaper. Predatory institution. Poor business ethics by outsourcing to a 3rd world country, not keeping business values at home. US labor laws cannot be enforced. Slave labor, no oversight. Customer Service, is a joke, they read from scripts, repeat your questions to you, and provide a moronic answer. You get preapproved in a snap because you begin by owing them $95."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c96a2aca65354573a25719d64375cf3e
encoding: FLOAT32
metadata:
{"chroma:document": "I have had two credit cards from Credit One Bank for 3 years now. Yes, I am using it to rebuild my credit, and it's working. I have never had a problem, to date, with any of my cards. I always use the website to make my payments, or I use the App on my phone. I am sorry so many people are having trouble with this company, but like I said before; I have never had an issue. I knew what I was getting into, and I don't like some of their features on the card, but knock on wood, it has been a good experience thus far."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: decddc6d3aca4be2ab21852f0a5decd0
encoding: FLOAT32
metadata:
{"chroma:document": "I wanted to rebuild my credit so I applied for this card and got it. My limit was $400, which I felt was perfect to start out with. I ended up charging $150 and then get hit with a $75.00 fee. Ok, my balance is still under my limit so no problem. Then out of nowhere they hit me with finance charges which somehow pushes me over my credit limit. THEN they hit me with over the limit fees. To make a long story short, they put my account in collections AND took me to court over $750. AWFUL! STAY AWAY!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: feb1de7d09fa4b8dbf141ea3db55d717
encoding: FLOAT32
metadata:
{"chroma:document": "This card is predatory! I realized what I was getting into but I did it anyway as a means of raising my credit score. It did do that. But, the fees, I'm not referring to late payment fees, but fees that come with the card like annual fee, monthly annual are then charged interest. Horrible customer service, they charge to for normal turn around payment processing times. I have a card with Capital One, I make a payment, it clears the next day. I make a payment with this card it takes about 5 days to clear. They don't report consistently to all of the bureaus. One of my reports has a balance that's over two months old. They are outdated and don't use technology to make them current. Truly unhappy customer - IF YOU\u2019RE CONSIDERING THIS BANK/COMPANY RUNNNN! AS FAST AS YOU CAN!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6153070804c44b999fad497a4f41b878
encoding: FLOAT32
metadata:
{"chroma:document": "I am honestly so regretful for having to use Credit One Bank. This is one of the most dishonest people on earth. They recently closed my friend's account just because 2 small payments didn't come through. After a year or more of owning the card, this has never happened before. The money in the card keeps disappearing. I am very upset and disappointed with the handling of this card on the issuer's side. God is looking!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad4494779c0246538256b6e39e884ab6
encoding: FLOAT32
metadata:
{"chroma:document": "My Credit One card has had fraud committed on it three times! Then they allowed someone to call in and they authorized them to make an express payment on the card with the debit card I have tied to the account so they could commit fraud on it again!! Then they transferred old balance to new card (for the 3rd time) and my card that has an 800 limit on it and a 201 balance when they made the transfer, now has a balance of almost 3,000!!! They have been making me pay huge payments on this card, which I can't miss due to I'm in the middle of getting a mortgage. Now I received a call from the mortgage company saying they can't do the mortgage because Credit One reported that I owe 3,000 on an 800 credit limit card which dropped my credit score 51 points!!! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 241bb90a6c514dbe8a178b16aafa8a7d
encoding: FLOAT32
metadata:
{"chroma:document": "We have had nothing but problems with the card, paying on the card, and them adding unauthorized charges. Calling in is a nightmare, expect to get hung up on numerous times. Authorized users are a joke because they will not even take payments from authorized users. This card has caused our credit to be worse than anything. DO NOT USE THIS COMPANY!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 757692aa7e0b40c1a880fce94da4df2e
encoding: FLOAT32
metadata:
{"chroma:document": "From the beginning they were nothing but a headache. They would constantly send me confirmations of my payment being received and then would not take the money out of my account for a week. Weekly payments were made to pay off my balance but they closed my account because two payments were unable to go through because by the time they took the money out of my account my other bills would hit my account. These were not my monthly payments as they were always taken care of and I had 100% payment history on my account. After being told my account would be fine after paying off the overages that happened because of my two missed payments I would have access to my account again and be in good standing. This apparently was a lie and my account had already been closed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3d667a0f3824ee08b83a183f3e804d0
encoding: FLOAT32
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{"chroma:document": "I received my card and a week later my bill with a $75 annual fee charged. I called same day to cancel but it was already too late they said. I have to pay to $0.00 in order to close. They sent me advertisements for at least one year and I never saw in any of the fine print and would be a card with an annual charge. They asked me if I still had the advertisement and of course I've said no cuz now it's three weeks later. I always do save my agreement that comes with the card and it did say there was an annual fee. I'm just angry and frustrated that I have to take a loss of $75 in order to close this account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Absolutely stay away from Credit One Bank!!! I reported a fraud credit card opened with my information and even sent a theft report but this nasty company with their very rude and disrespectful employees keep going behind my back saying it is valid. No one in this company will do anything about this fraud account. Do not trust Credit One Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I was sent credit card with line limit. Days later I was sent a letter which says there is 75 dollars yearly fee. I called customer service to cancel the card. I was assured card was cancelled, but later received a statement, and later a message that someone broke into my account. There should be a serious police work involved here."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d24da35083554417946e79a2015c2b3e
encoding: FLOAT32
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{"chroma:document": "We have a Visa and a Mastercard with them. In the time that we opened the accounts, our accounts have been hacked about 4 times in a year. They keep canceling the cards and sending us new ones. They tell us that they are transferring the balance from the cancelled card to the new one. I actually paid off the Mastercard in Feb 2018 and almost the paid off the Visa as well. I tried to use the Mastercard in March and it was declined. When you try and call them, you cannot speak to anyone that speaks ENGLISH. They constantly call my phone all day from 8am 'til 9pm at night and on weekends including Sundays. I have blocked all their and numbers and they always find another # to call from. THEY ARE A SCAM."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9b5ef3526a7e4bf2826f37e5596617d9
encoding: FLOAT32
metadata:
{"chroma:document": "This company targets people who need to rebuild their credit. They place online blocks on the account so that you cannot make online payments or see statements. They do not clear the blocks even though they state it will be removed 24-48 hours after your call with them. Furthermore, they will move your payment due date up a day keeping in mind that you are unable to see this because the account is \"temporarily blocked\". They also do not allow automatic payments thereby collecting as many fees as possible from their customers. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 391c82879a284463bf1ded8c3e7c450d
encoding: FLOAT32
metadata:
{"chroma:document": "We received a credit card with an activate today sticker then a few days later a statement with a 75.00 charge fee to have card, never applied for it and I called them to verify 877-825-3242. They said the credit card was active, told them it is not ours and to delete it. Will have to file a police report."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab0a844598724399bf4b7a681e1d84a1
encoding: FLOAT32
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{"chroma:document": "I was online checking to see if my payment had post to the account. I was prompted to a site that I asked if I needed a replacement card and there was only a submit button there. I tried to reverse it. Tried to go out of it. There was no way to exit out or anything. I accidentally hit the submit button and it will not reverse. It just kept going. I try to stop and delete it before continue. Next thing I know I have a $25 replacement card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e7ec4554bd7d41d5a42f152ac59849ed
encoding: FLOAT32
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{"chroma:document": "Fraud completed on my account in another state. I reported all transactions. They only submitted 2 of the 1500 balance. Canceled the card and they shipped another. Made me make payments the entire time until I got it resolved. In the meantime I put a password on my account and the next time I called they never asked for it, said that it was placed on the old account that I canceled... why would I call for fraud and put a password on the account I closed? Told me it was my fault I didn't put it on the new one... 4 managers later that was resolved. 4 months later 3 months later issues are still not resolved... I type this email as my account access has been shut down, they want me to fax my ID to regain access and want me to dispute the transactions with the companies they were purchased with. I cannot express the level of stress I am feeling right now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3ec29db6d8f41f8abde9e2ca605fe28
encoding: FLOAT32
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{"chroma:document": "Credit One Bank is a SCAM!!! Stay AWAY! Their website is \"experiencing problems\" constantly, not allowing you to log in, or reset your password. So you are forced to call, they refuse to waive the late fees that you get BECAUSE of the website being down, AND THEN they charge you $9.95 to take your payment over the phone. It's a clever little scam they've got going. Then, you can request to have the late fee and processing fee waived, but it gets better. The only way for that to happen, is to \"have a supervisor call you back\". That phone call never comes. I refused to hang up this morning, and asked to be connected to a supervisor. 49 minutes later they took me off hold and hung up the phone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e0a650c6e4a4405bb89e7fb91147383
encoding: FLOAT32
metadata:
{"chroma:document": "DO NOT GET THIS CARD! It will be the biggest mistake of your life. I cannot wait to finish paying this card off (less than $100) so I can cut it up and mail it to them with a big **. I got this card with another card (Discover) to start my credit. Credit One will call you about 20+ times a day, even when you have no payment due. This should be illegal. I seriously made a payment and they called me the next week, I said I didn't realize payments were due weekly now. They apologized and hung up. Even now they are calling me, It's 8/27/2018 and my minimum payment of $25 is due 09/11/2018. But yet they are calling me 20 + times a day. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a6ac7728edc4c6aaa8fe1158f1622a2
encoding: FLOAT32
metadata:
{"chroma:document": "I filled out the application for this card, was approved and then got charged for an annual fee, activation fee and processing fee. Cancelled card, 3 months later was called and told I owed annual fee and late charges."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3978df9b4a4b43bfa10d763a19431c72
encoding: FLOAT32
metadata:
{"chroma:document": "I started to fill out an application and then set it aside. A couple of days later, I was told that I was approved and that the card would arrive soon. Today I got an email from them claiming someone had changed my contact information and to call a number they listed in the email. I called. It was a fax machine. I called another number through their website and was asked first for the last four digits of my Social Security number and then my mailing address. I declined. I will cancel the card and report any more creepy information."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d374e42aee664983ad831bdb962e2e0e
encoding: FLOAT32
metadata:
{"chroma:document": "This is a terrible card. They charge interest BEFORE your statement is even due. They have an option to check your credit score, but in August 2018, my last update was from March of 2018. The rep said that Experian has failed to give them my updated score and that I should contact them directly. I would close this card, but I don't want to ruin my credit history. I asked if the card was inactive for a long period of time, will they close my account, they said no, as long as there is no outstanding balance for over 90 days, the account will remain open. I WILL NEVER USE THIS CARD AGAIN."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 47b2bddcff4a4a84a93a7675f25221a8
encoding: FLOAT32
metadata:
{"chroma:document": "I keep my balance low with Credit One because of this issue. I pay on a weekly basis to keep my balance 0 and not pay interest. Their automated payment system says I have made too many payments in the last 30 days and won't accept a standard payment. However if I want to spend $9.95 they will accept an Express payment. I tried to contact them and was unable to understand them nor were they any assistance with the problem. This company is nothing more than a legalized scam artist. Stay away from this place."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a031387898d4564951173f8af8f598b
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this credit card for a few years and all of a sudden they started taking large payments out of my account right after I would make my payment. 1st payment made was $100, next day they took out $500 and now they are trying to get two more payments out of my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae3181a3015146d4b5981232599b49af
encoding: FLOAT32
metadata:
{"chroma:document": "If you don't get it in writing when you close your account they will scam you out of late fees/annual fees and your credit score will be impacted in the negative. Get everything in writing if you want to close your account. Get the name of the CS person too. Get a paper statement with proof of closure. Check your credit score. Check your credit reports. They will not do as they say."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4eac0dc7b66041abbebf123f5bc65083
encoding: FLOAT32
metadata:
{"chroma:document": "For one Credit One Bank has no one that speaks clear English. It's like they are programmed what to say, well my payment was 40.00. They took 140.00 out of my bank account then turned around and closed my account. I was never late on payments but everything was clearly their fault. Somebody legally need to something about this company! I could go on further but never again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ac63c65826248b391a9d118c0cbfec9
encoding: FLOAT32
metadata:
{"chroma:document": "I had a account with this Companies for several yrs and I paid my bill on time, and they will try to entice you with higher credit limits when your account is almost paid off... Don't take their offers. If you are late on any payment, or get way behind on your bill, they WILL NOT work with you or set up a payment arrangement because they make the most money off of Late Fees and Finance charges. My Consolidation Company tried to set a payment arrangement with them, so my finance charges could be lower but they refuse to accept that. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a495f3123f284da7a26017ef9332391a
encoding: FLOAT32
metadata:
{"chroma:document": "I got behind on my Credit One account by mistake, now they refuse to take any payment less than what they piled up. I called and tried to make partial payments and they refuse to take a partial payment of any kind. I can't change my due date to reflect my social security payment, so they are able to charge me a late fee of $35 each month! Add that to my rapidly increasing 'past dues' and I now owe over $740+ on what was just a 480 account several months ago. I asked them to (1) close the account, (2) stop adding on late fees and let me pay partial payments in order to get caught up, but I got a solid NO to any help. They emailed me saying they had the perfect solution for me to get caught up. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2dc7db6b412d40cc8c817566696652c4
encoding: FLOAT32
metadata:
{"chroma:document": "I am on a fixed, one time a month budget, payment due on the 9th my check comes in on the 13. I am charged a late fee every month for $37.00. I also PAY a fee for the card $75.00 per year. When I call to close the account after 3 months the representative speaks broken English, I ask for a rep in the USA and I get transferred 5 more times, the lady that answers the call says there is no grace period. This card is a scam."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f50b467e40734a1a91e08054bc366db0
encoding: FLOAT32
metadata:
{"chroma:document": "I was notified via email by Credit One that they believe charges to my account were fraudulent. Only after allowing 4 out of 5 charges at the same store within minutes go through did it click that something was wrong to them. I immediately called when I received the notification from my office desk (which means I am not at the store). I have been told that it will take up to three months to investigate and in the meantime I must pay for the charges until the investigation is complete. This is BS to make a customer be responsible for charges that they didn't charge. I have NEVER had this happen with any other company before, I will be closing this account ASAP."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb9511478db4480b9cff8acfa674f5c6
encoding: FLOAT32
metadata:
{"chroma:document": "I was unable to get them to understand a payment was missing. Kept telling me about all the charges on account but not the payment. Tried to cancel card, kept transferring me to different people who kept offering me other options. Very frustrating. I also had a very hard time understanding them. Support done out of the country."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d712ad578a94bb3b6a5cf2299d511eb
encoding: FLOAT32
metadata:
{"chroma:document": "So this company is absolutely the worst company I have ever dealt with. So in June I was going to make my payment but I had noticed that there was some charges that I had not done. So I called them right away and told them that I did not do these charges. They told me that they would deactivate the card and they would issue me a new one as well as the investigation team would work on it to find out what happened. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3dafae9039254d39adc0bbcd74563343
encoding: FLOAT32
metadata:
{"chroma:document": "First, I've had issue with Credit One Bank regarding fraudulent charges on the account and their resolution was to reissue the card. They did not check if there were unauthorized charges with me. They credited items they assumed were fraudulent. Their customer service representatives are very inexperienced with answer the customer did not ask questions for. In May 2018, I notified Credit One Bank that I would be out of the country until July 2018 but my payments were scheduled. I am a Fraud Victim so carefully reviewed all my account for irregularities and unauthorized charges. I found my credit cards were replaced and other charges were added to the account. I was told I called June 19, 2018 to report my card had been stolen but I had my card in my possession. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fece41e68f26411cb328b7b955c9bb7c
encoding: FLOAT32
metadata:
{"chroma:document": "I called Credit One Bank to make a payment today and they asked me for my credit card number. I told them I do not have the card in front of me. I asked them if there was another option that they can check my file. So, they said if I don't have my card info they needed my full social security number to look up my file. I refused to give my social over the phone. So they transferred me to some service line and the line was a disconnected number. I ended up ** at the lady on the other of the phone and she went silent... Did anyone have this problem? SMH."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b923e524370d404f8c2d6f411f9c3ef9
encoding: FLOAT32
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{"chroma:document": "I sent a complaint online to the Office of the Comptroller of the Currency. The website is www.helpwithmybank.gov. I tried almost 20 times to pay my bill online but I could not, because I could never set up the account. Try to pay by phone and there is a charge of more than 9.00 dollars. This is a fraud, they also charge for late fee that has happened to me because I could not make the payment in term of this way every month. You have to pay an amount to pay by phone. And sending the payment by mail does not guarantee that they say they received it in time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 209c94d0a9e54c73a88d8064c1a96607
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this card several years, now starting in May I believe, I receive letter confirming an address change? Well, how could I get this at my \"old\" correct address if I changed it? Meantime, ooh yes there were charges being made on my account. Took 2 months to straighten this out and prove I am me, finally got access back, log on and make a payment (by the way they charged late fee even though they had me locked out) and the very same week I am again locked out! Called and told them to shut this account down, must mail me statement as I cannot log on online again. Nightmare and these guys are little to no help. Hard to understand, I don't think they see the gravity here either. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5efb3031d7cf46a0b1eb19653578975c
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{"chroma:document": "Every time I submit a pre-qualifying application, I receive an error that the connection to the secured server has been lost and we are unable to continue processing your request. You will need to start over. This cycle continues over and over. Then I got letter in the mail stating possible fraud. WTF!!!! I don't know if I am at risk of someone possibly trying to commit fraud while submitting the application or it's this piss poor of a company website!!!! When I contacted customer service no one could tell me what was the issue even after submitting a ticket and waiting 7 business days to call back. The last rep told me I will only be able to get a credit card if I received a letter with a reference number. I'm upset because I know my credit is well over the min. acceptable credit score and a few colleagues recommended I apply with the company. My experience hasn't been pleasant or successful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 983d84b0b8114940a2a2e8ed8784eb2b
encoding: FLOAT32
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{"chroma:document": "Why don't I like Credit One? Let me count the ways: 1. As soon as you're a second late for a payment, they start spamming you. I've gotten calls upwards of 10 times a day from different numbers that are all associated with these guys. That's incredibly predatory. They even call on weekends. 2. The APRs and rates are pretty terrible, but I expect that's something you know going into one of these cards."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16e1252a05e942e1995dc7bc2ebe212c
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One has been a pain in my **. Since day one they shut my account 3 times. All because I didn't have the right bank info. I am unable to talk, so they wanted me to get a POA from bank. And I said my wife can do the talking for me. They said ok and charge me a $19.00 fee. Well they shut me down again saying my bank info incorrect and I've made payments all month. Called them up and said the info was incorrect. I paid them some money and they charge me a fee again. Well they wouldn't let me in my account. They said I needed a bank statement from the bank showing I had a account there. There is really something fishy here. I need help with these crooks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4bf780213e15466ca23d11e49d7fdc29
encoding: FLOAT32
metadata:
{"chroma:document": "So having horrible credit I wanted to try and rebuild my credit so I got this card. You can check your credit in their app but don\u2019t believe them because my real credit score was way lower than what they said it was. Also all the customer service reps are in India or some other country. High interest and fees and I\u2019ve notice balance discrepancies of the tune of about 30$. When my card had charges that were fraudulent they not only cancelled my card but my whole account is suspended. I have not had this card long so we will see what\u2019s next."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd606ce21b7547f3b46df584bccbba21
encoding: FLOAT32
metadata:
{"chroma:document": "Received my card early 2017, made one transaction without issue then everything else after was declined - could not get a answer from the rude customer service reps who rush you off the phone so I gave up and cut up the card. Decided to try again and early July 2018 I requested a new card ($25 fee for that). Once I got my card I used it at a Shell gas station with a successful transaction but now everything is declined. Over the last 4 days I\u2019ve spoken with 16 reps and 5 supervisors who all say they refreshed my card and in 15 min the card will be OK and that the decline was due too \u201cunusual merchants\u201d (Shell gas, Amazon, Target, ShopRite, McDonald\u2019s). To me those are normal. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 636dda18e933471eab4cb3af24d00e5c
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this credit card since 2013 (trying to rebuild my credit after the 2007-2010 recession, I'm in the construction industry... nuf said :)) Sooooo, my lesser gripe is the high interest rate (but, pretty understandable if your credit rating is not so great). Here's the kicker though: that brutal \"yearly\" charge to have this card. You might be wondering why I put \"yearly\" in quotations. That's because it's a yearly charge... billed monthly. I've wanted to cancel this card for quite some time, now that my credit score is back to a somewhat normal range. But every time I pay off the balance, they charge $8.25 as soon as my payment posts... soooo, now you've got an open balance again and can't cancel."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1d2bf91a8c642c083f86cb1b6121c9b
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{"chroma:document": "Horrible! I have been trying to rebuild my credit to purchase a home. Credit One Bank was a suggestion from one of the credit sites I frequent. I was approved for a $300 limit back in February and it\u2019s been a nightmare ever since. The problem began in April. My Credit One account was hacked. Someone in Nevada changed the address on my account and then added themselves as an authorized user. Once they received a card, they paid it off using my debit card that was on file and then went to an ATM and stole all the money. I did not catch on to the fraud until I received a letter from Credit One wanting me to confirm an address change."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 57af4db4ada5440eb8af81dbf8a676cf
encoding: FLOAT32
metadata:
{"chroma:document": "I find it strange that when I attempt to make a payment online on my due date the site doesn\u2019t work! There was a time I experienced this, so I called and explained the issue. Well the representative basically repaired my account and I was able to pay online after telling him NO I was not making it through him nor will I be paying a fee to make it through him. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 59b21c4a3caf474aa0c0551d703506c9
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{"chroma:document": "I now wish I saw this first. I got a credit report with a delinquent on my account. I pulled up the web account and it did not show any activity. So I called, the woman that I was talking to. I could barely understand her, asked where she is from, and said the Philippines. Now I started to wondering and coming to find out that it is a scam. I have not use the card since October 2017 and paid off the amount I used. The to see a delinquent on my credit report."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: baeed4e91d704893ad67610efff8d6b1
encoding: FLOAT32
metadata:
{"chroma:document": "Opened my account and after several attempts to set up online which none were even close to getting online finally after 4 browsers setup was completed on Internet Explorer. Made 3 payments with them on the phone because I couldnt set up online and the last time they told me they were not going to waive the fee cause their website was working and it was me. Well okay but I shouldnt have to download 4 browsers to make a payment. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9577566903347ee97c22c955e3877bc
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{"chroma:document": "I am so pissed and this is a long story! Going back to October 2017 is when I first became their customer. I was making my payments on time and I only had a limit of $400. In May this year with no prior notice I get a notice from Credit One that my payment was declined due to stop payment. I NEVER STOPPED A PAYMENT AND MY BALANCE WAS ALMOST PAID OFF. When I called their customer service I could hardly understand the person with a really strong Indian accent and after the fifth time I repeated what went on and why I was calling the person unfortunately got cussed out until they put me through to a supervisor! Funny how they understood all the four letter words I was using! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fcac190efeb04faa994af0bc588d6487
encoding: FLOAT32
metadata:
{"chroma:document": "There is a yearly fee of $75.00, which they don't show on your electronic statement which is shady. Also, if you have an authorize user to the account, you pay an additional fee of $19.95 every year as well (which is ridiculous). The interest is also very high. If you need to build your credit. I would suggest keep the card for 1 year, charge on it and make EVERY payment on time. Hopefully that will be enough to get you better credit offers and then close the Credit One acct, that's what I did."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c82ec0af40d4de6aa6130bf6bd34a16
encoding: FLOAT32
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{"chroma:document": "I had no idea that credit card companies only allow someone to make a maximum of four payments in a 30 day period. Well Credit One Bank only allows you to make 4 payments in 30 days and they will not allow you to pay off the balance if you reached this limit. I'm so confused. Why? I don't get it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 478ec65587614714b278d2e5f7d78b44
encoding: FLOAT32
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{"chroma:document": "They Charge about $79.00 a yearly fee to begin and then the yearly fee is divided into month amount. THEN THEY JUST CHARGED ME A ONE TIME FEE OF $14.95 for a $250.00 credit line increase... As soon as I build my credit I am dropping them. My Discover credit card charges no yearly fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c795db6b3a8f45c6a73eef75d59a27ff
encoding: FLOAT32
metadata:
{"chroma:document": "If I had known this company would be so rude to their customer I would have never applied for a credit card with them. They cancel your password without your permission. Their fees are out of control. I am done with this credit card. This is the worst company to ever get a credit card from. Don't make the mistake and get one whatever you do. They won't let you pay your bill over the phone without a charge. It hard to set up your account online from their website. Just the worst experience I have ever had with a credit card company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cdf6579caf2f42938bf5e8be29302594
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{"chroma:document": "Started in April 2018. Payment in full occurred on account which hit checking. Called and reported transaction as unauthorised. Verified info. Credit One said they needed to reissue my card. Never received it, but thought it was because of the fraud. Someone changed my address to a Florida address and allowed them to charge card to max. Feel like inside job. Closed accounts, but have to wait for fraud investigation to be done."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9cd4524c154a424ab8afd85b8fc61d04
encoding: FLOAT32
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{"chroma:document": "I had a card from Credit One and ran into a ** load of problems. First off, someone made fraud payment and a couple of fraud charges. And this was after I had already closed this account a month prior. Then I was alerted by my credit monitoring company and then they charged my account off even after I paid it off. I filed a small claims lawsuit this afternoon for 5000 dollars, I'll keep you informed on its progress."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 347a3877a7ff45d0a0f0e6b150b54fb0
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had this card for 6 months and I\u2019ve always having an issue with making my payments online. I called today because of an email they sent about my account. I was not able to log in the account. I called customer service and was told that my account was suspended because of a returned payment. I asked for the account information they had and it does not match what I know I put it and what has been saved. I was told my account was closed and that it will be reported to the credit agency on the 7th. The only way to possibly get my account reinstated would be to send a letter from the bank of my account information? Like why? They are a scam and full of bull. No one could tell me how long the process would take. I\u2019m contacting a lawyer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 76ff9c0395a6469581e9b4d32f0b6880
encoding: FLOAT32
metadata:
{"chroma:document": "They offered me a credit card to help improve my credit. I accepted it. I used it for a few charges, paid the whole thing off the end of each month, then closed. Stopped using it months ago. Assuming I didn't have a monthly payment to pay, I logged into my account today to see that I owe them over $100 and even worse my credit score dropping because of nonpayment. It turns out that they charged me some hidden fee I wasn't aware of, then each month the fee accumulated with late penalty charges and interest. So these days, if you don't owe money, you still owe money and get your credit all screwed up??? What a scam! Companies like this are the reason 2008 financial crisis happened, if not regulated better, it will happen again and even much worse!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1a837dc7cce44e58ba1dc437580fe5af
encoding: FLOAT32
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{"chroma:document": "I got this card just as an easy way to finance a payment. Everything was fine for the first couple months, until my payment was due last night and I was unable to even access the \"make a payment\" screen. This morning, I was charged a late fee, which I expected. I was irritated, but figured it wasn't a big deal since I DID wait until the last day to pay the bill. My fault. This morning I went to make another payment, the payment did not process, and would not allow me to try to make that same payment again, so I called the customer service number that they advised me to contact. I wound up speaking with the most rude individual. She yelled at me, demanded I calm down, and spoke to me like a toddler. It was like she was reading off a script and wasn't even listening to the problem I was describing to her. She would not give me her name, but her attitude is the exact reason that I'm cancelling this card the minute I pay it off completely. Not worth it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4eda926394684b87a729c89185480a3a
encoding: FLOAT32
metadata:
{"chroma:document": "My credit was badly damaged in 2010. I got a credit card from Credit One to slowly rebuild my credit. I finally got my credit up to a decent score and I held on to this card because it hurts your credit score to close an account but Credit One has to go. I am charged $8.25 a month for an annual fee, I pay the card in full each month but they charge interest on the balance daily, I found a charge for $19.00 so I called Credit One to find out what it was they told me it was a membership fee. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c780a8db6bef446a9e15257f3754bd13
encoding: FLOAT32
metadata:
{"chroma:document": "They'll be happy to give you a card and if you want to survive unscathed do what I did. These guys are experts in the shifty'Mc shafts so do not imagine it or use it as a credit card. Create a new email address specifically for this card. Don't use the card if you don't have the cash on hand, you'll need it to pay it off after a few days, after it registers on the website or the app. Only use it once a month. Only keep the card for 9 months. Read your termination instructions carefully and mail the letter certified. Make sure you indicate that you are terminating \"our contract at your request\". Do not let them talk you into keeping the card. Lie and tell them your bank gave you a $2000 credit card limit and you don't need two credit cards. Always enter your login and password fresh, no saved data fields. Don't bother calling for anything but a credit increase after 4 months."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9eb950cf27654d33a015fc834d02ebdb
encoding: FLOAT32
metadata:
{"chroma:document": "I do find it interesting that the company does not have a technical support team for when issues arise with websites. I would think that if a company has a website, they would have the technical support to work with it. I called, talked with the representative on what was going on, asked to speak with the technical support department as my website had been working 7 days prior. \"We do not have a technical support department, we troubleshoot the problem here.\" Very interesting when a problem arises and they only have 1 department. Don't get as the support is not worth the runaround..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 27ae127b451b44e9a880cf7b1dbf925c
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Credit One Bank cardholder for 2 years and I have to say that they are the worst. They charge for credit line increases, provide TERRIBLE customer service and offer absolutely NO HELP if you are going to be late on a payment. The customer service reps are rude, difficult to understand and aren't always able to answer your questions. When I asked for the hardship department, they gave me the number for credit counseling services \"in my area\" because they don't offer hardship help. This is a credit card company that prides itself on helping people rebuild their credit but don't offer help if you hit a bump in the road along the way!!! What a scam!!! Can't wait to pay this card off and be done with them!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8ff7a4a93354831b337478f06696561
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this credit card for about 10 years. I pod the card off about 2 years ago and just use it for small things which I can pay off monthly or within 2 months. I attempted to pay my bill online for over two weeks. Their new authentication does not work. It will not allow you to go past the security questions page. I also never received a statement from them, but knew I had used the card and wanted to pay in full. They have been calling my home all weekend from different numbers. I was not home and a friend finally answered the phone. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b9ba75dbff744b48c50186fee7e218c
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{"chroma:document": "I am trying to report this to Equifax and Transunion. Every month I go online to pay my CC bill and the password says, \"problem logging on. Try later.\" Three months later and the site STILL will not work to renew your password even though it does not tell you it is specifically your pass is the problem. They are deliberately not specific. I know my password. They simply make their website unavailable and then you are forced to pay an additional 9.98 for an express payment when in reality you should be able to just log in and pay. It is simply a money making scam and it is FRAUD. This is why they are not accredited. I will cancel my card ASAP."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf755f3b99bb4f0399047459338ba5a0
encoding: FLOAT32
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{"chroma:document": "I am a cardholder with Credit One Bank, and will be brief. I have been with Credit One Bank for a couple of years at least. From the very beginning, paying my bill using the automated number was unsuccessful. The line would never pick up, just disconnect. If it actually did answer, disconnected at some point through the prompts. At this point, I installed the app in order to make online payments. This experience was not terrible, however a large amount of the time I was unable to view my statements. If I was able to actually retrieve an agent via telephone after LITERALLY WAITING FOR UP TO TWO HOURS, unfortunately I was unable to understand the agent/dialect issues. Resulting in yet again the inability to make payments. Currently, well LITERALLY for the past two months I have been unable to reach Credit One through all avenues resulting in now \"late payments\" confirmed with credit checks. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 636d342cb67b4da5bc4062eede2d19d9
encoding: FLOAT32
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{"chroma:document": "I have had this card for 6 months and always pay my balance in full. This month was no different and even expressed paid it so I would have funds available the next day. 3 days last and nothing... So I called and the customer service agent said I closed the account! I did no such thing. After almost an hour on the phone it was remediate and a new card was being sent to me. He concluded my card had been compromised and even my address and phone number had been changed in the account but I would receive a new card in a week. It still hasn\u2019t arrived 2 weeks later and my credit report just alerted me I have a new closed account. I went online to check the account and see what\u2019s going on and no information has been changed and it doesn\u2019t say my account is closed either but it has been transferred and I notice the last 4 digits of the account is different. I have to wait until Monday to speak with someone now. I just want to know what is going on."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1e8944f561e465d8f32efc39c81577f
encoding: FLOAT32
metadata:
{"chroma:document": "I've made several call over the past month for assistance with making an online payment. They've added a new feature where you can process a payment for $9.95 or use their current method (online or mail). The online access has NOT worked since, it seems, the $9.95 fee became effective. Was told today that Credit One is updating their security and that is why their site was inaccessible. Was then offered to help reset my password. When I asked why, since the site was down, was told that it would be ANOTHER 48 hours before I could use the online option. Never got a response as to how that would work if the site was being upgraded. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7532f0d19f7048e0b1b453c0bf1b7cfa
encoding: FLOAT32
metadata:
{"chroma:document": "I will make this as short and sweet as possible as it has been a 2 month nightmare! I've been with Credit One since 2015 and have great standing and zero issues until late March early April. It started with me getting a letter at home from Credit One dated 3/28/18 thanking me for changing my address to something in Florida. I live in SC and haven't moved. This was suspicious so I called them right away on 4/3/18. During that call (I won't even go into how awful the customer service has been and how many hours I've wasted with them since) they eventually updated my address back to my correct address. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 19ab370b04064c17be34b38fd2a86848
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{"chroma:document": "I've read many of the other reviews of Credit One Bank CC and I'm shocked that there are so many problems! I haven't had any issues with customer services, I've had to call a few times and they handle my questions with courtesy. I do agree that the fees are high! I've gone over my limit a couple of times due to my special needs child needing things insurance doesn't cover, being a single mother you do what you have to do. I've been caught off guard when my available credit says $150, so I get my son his meds, then the fee is deducted and I go over my limit. That happens with all bank cards that are made to help build your credit, they have outrageous fees (I've learned that). I'm sorry so many people have had such awful experiences. My experience with Credit One isn't as bad."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed7b79df21424bf590fd35c8005d3d99
encoding: FLOAT32
metadata:
{"chroma:document": "Worst service I ever got for credit card. I wasted too many time to make payment through internet but could not make it so used phone call but no personnel answer responded. I began to feel so weird so I used the express payment by paying 9.95 dollar charge which I never experienced for any other credit card services but again it did not go through. I tried to pay off but not get successful. I strongly hope this credit company should get someone's control or resist by public record of service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a9c52c1a8764c80895152ff5270d727
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{"chroma:document": "I was alerted my credit report was ran through this company which I have no knowledge of who this company is. When you call you're calling India at a call center. You ask for the fraud Dept. And telephone number. They say they can\u2019t give it to me. So I look online and find out that there is indeed a fraud Dept. However, nobody answers. It\u2019s a machine telling you to leave your name and phone number and someone will call you in 2 days. So someone from the fraud Dept calls me from a Las Vegas number. They tell me not to worry about it. After 90 days I receive a letter that I am indeed liable for the charges in the amount of $925. Now I have no idea what to do. This company is absurd. Now I have to Dispute it off my credit. This company is the worse. First of all I would never get this card with an annual fee. Seems like they give anyone a credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4102201b76de445187bf55a6af35ed84
encoding: FLOAT32
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{"chroma:document": "I open this account back on July 30, 2015. I opened this account with a unsecured $300 Limit. I have called the bank several different times. I used this card often and have never been late on my Payments. I have 100% making Payments on time. They have raised my Credit limit several times and charge a $25.00 fee. My credit limit on 5-15-2018 is $800. You cannot make a Purchase with a $300 limit. This is nothing but a medical Card for a person that has Life Term illness. What can you really buy with a $300 limit? Maybe go to Mcdonald's and buy a Big Mac meal and buy coffee and smokes at 7-11. I have tested this card many times. They do Post the Payments Quickly if you use the express Payment service by pay the $9.95 Fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b6f6466c9f96415e9f699dbf04338f69
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this card for over a year and have not received my statement on numerous occasions causing my payment to be late. I'm NEVER late on anything... Ever! Fees are absurd and not told about either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bcd2b7022c3d4391af38949af448de42
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{"chroma:document": "On hold for the longest time. Got some guy who I could barely understand (heavy Indian accent). He then switched me to someone else also with a strong accent. I'm being charged $35 despite the request to cancel the account. I did not feel that I should be charged the annual fee if I'm cancelling. He stated that the account will be cancelled but I still owe the $35 user fee. Could not make him understand that this is totally unfair. Would not recommend dealing with these idiots."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fae201f30c124377ae6ce6f5501d73b0
encoding: FLOAT32
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{"chroma:document": "Horrible customer service by people you can barely understand. They try and fabricate things so keep good records. I ordered a credit card with Credit One. Without making a purchase using their card I paid them 100.00 dollars. They placed it on my statement as a credit line increase. When I reported the card stolen they told me not to worry they would issue a new card. I received a statement with new card number and balance of 600.00 being owed. This is before I received the new card for activation. The old card only had a charge for the unidentified purchased amount of 132.16. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6397cd1754234dc4b40c82944f249970
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Credit One for over 6 months now and have made every payment on time and managed to pay a zero balance every month. On the 5th payment I was told by the rep that I would automatically receive a Credit Line Increase (CLI) once the balance was paid to 0. I made the payment and a few days later nothing had happened. I called customer service and was advised that a CLI was on its way and to check my account within the next 72 hours. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 544683a2f5a4489282f47c6df32ccc33
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metadata:
{"chroma:document": "This company makes it nearly impossible to close an account, and I'm guessing it's intentional. I realized that I was only paying a monthly annual fee (weird, right?) and associated fees and interest, as I almost never used the card, so I called to cancel the account. It took me two phone calls, five or six transfers, at least 45 minutes, and a great deal of frustration to get that done today. The representatives were difficult to understand, and tried to toss in sneaky little fees while rushing through reading their scripted dialogue. Prior to one transfer, I asked if they were trying to discourage me from closing my account. The agent assured me that, no, they were not, but then she transferred me to another rude, dismissive, and barely helpful representative who claimed his name was Jordan. I will never do any sort of business with Credit One Bank again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 87ca39912397477eba8488be0d2530c8
encoding: FLOAT32
metadata:
{"chroma:document": "I had had this credit card for only several months and at first was surprised because my initial line of credit was only after one on time payment. I was notified of the $19.00 charge but my credit limit was raised by $200.00. I have always paid my balance in full and never had a issue until recently I called customer service because I had not noticed my monthly payment being recognized and my balance as of being paid. I contacted customer service and asked if they would verify if their records showed that I indeed had made a payment. The customer service agent said that they saw no record of a recent payment being made. I proceeded to make a payment by phone as I always have and as soon as the payment had been made, the customer service agent had then informed me that there was a payment that had been made two days earlier!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6cb0a28b89894dbe9dd13a8f3af0d0eb
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{"chroma:document": "For an American based company you would hope that they would hire people who speak the language fairly well, not here, and not the first time I have had to deal with them. The worst thing is being told that there is a $25 fee to replace my card. Then they lock me out online. Then you try to make a payment on the phone and there is a fee of 9.75 which she 'waveld', had to ask what 'waveld' meant, figured out she meant waived. Also as a means to verify myself she wanted me to verify a charge from 6 years ago, who remembers a charge form SIX years ago? Asked my SSN and the last 4 digits of my SSN 3 different times. I almost asked for a supervisor. A simple 2 minute call turned into 18 minutes."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0fb7e626f5d4646892fa2bfc2fc237d
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{"chroma:document": "I was notified by Credit One that my card was being used in Florida for a several purchases. I advised Credit One that this was impossible since I was in PA. Everything seemed to be resolved until I received a letter from Credit One stating the check I used to make a payment to my account was returned from my bank. The only problem was I did not have a balance on my card. Someone made several large payments to my account and then took an advance for this amount plus my available credit limit. This card was never activated. I am still waiting for resolution from Credit One. It has been 2 weeks. The best part of the story is I was billed for a new card and as other people have stated I was required to make a minimum payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 104fbbd2cd9a495a8a3b9b8b3c21d7a0
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{"chroma:document": "This is by far the worst credit card I have ever had. I fully paid off my account with this company. The next day I see a charge for 218$ from a jewelry store in France. I live in California. I have never been to France and never purchase anything from anyone there online. I immediately call Credit One and am told they have to investigate this issue and they will refund me back in 30 to 90 days. They then tell me that I have to \"just pay the min. 25$ every month\" so my card does not receive a late fee. Keep in mind this is the 218$ STOLEN from my credit card that I must pay off!!! I am then really pissed off and asked the Indian lady to repeat what she just said. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de9440adfbf6414bb0cecb645f629ca6
encoding: FLOAT32
metadata:
{"chroma:document": "Don\u2019t get a credit card from this company. They screw you with fees' interest rate. Poor customer service call you if you're one day late. Charge you 9.95 to make a payment. It's the worst company I have seen for a credit card. Do yourself a favor if your rebuilding or starting your credit don\u2019t use Credit One."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Good to know that I'm not the only one having problems with this company. I am experiencing the same things as others. I have had a Credit One card for a number of years and never had any problems until the last 6 mo. It started when every time I went online to pay my bill, my password wouldn't work so I would have to reset it all the time. I had a hard time getting access to my acct. all the time. It happened again last night. I finally got a hold of someone, that I couldn't understand, and he couldn't explain why this was happening but was probably \"for security reasons\" which was pretty funny since one of my cards had just been fraudulently charged $800. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5dbbd3fb34324cf7b41415c8aca1bfaa
encoding: FLOAT32
metadata:
{"chroma:document": "Just recently received this card. After going through the 2 step process then having to go through yet another verification process the following month (which I understand they have had several cardholders being hacked so the added security is ok) I tried to schedule a payment. My due date is later than the date I wanted to make my payment, yet the website doesn't allow you to schedule an earlier date. Trying to get through to a customer service person was a landmine but I finally got through only to be told the date couldn't be changed. I had to mail the payment. Never experienced this with a card company. They want you to pay late... Will be closing this account asap."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8812db15e9c149d381144f75a4391c5e
encoding: FLOAT32
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{"chroma:document": "I tried to log onto my accountant just to find they would not send a code to my email address. I called and the customer service was no help. I am so glad I made my payment early. I was told I was sent an email that stated that I needed to update my account a couple of weeks ago. I looked all through my email but it never was sent or it did not come to me. Are they trying to charge people extra for a payment over the phone, or tell you your payment is late if you send it in the mail? Something is up and it should be looked into. Imagine a customer service rep that cannot help you get back into your account over the phone. I figure he/she could have given me a code over the phone, or unblocked my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 33ce278f5b84463e86551dc9c98ace96
encoding: FLOAT32
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{"chroma:document": "My credit card was hacked online, changed my phone, email and address. When I noticed 5 days after they changed all my information, the hackers already maxed out my card that I just almost had paid off. They were able to get a card overnighted to Florida, I live in Michigan. When I asked about a card I was told 7 to 10 days. How can hackers get overnighted and I can't. Now I cannot even get the charges taken care of. Been 30 days and told it will take up to 90. In the meantime my credit is taking a hit, my bill is higher and I have no emergency back up card. This is not a good company and I regret getting a card from Credit One Bank. Almost like an inside job that this is happening to so many of us and all going to Florida."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae5b7c57a7474ae996121c23d3b81a3e
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{"chroma:document": "My credit bureau alerted me that a new account opened in my name. It was a Credit One card. Since I never opened this account I called the company and was told that they could not remove it from my credit report. The representative told me that he had my date of birth which is why they reported it. I immediately started a dispute with my credit bureau and reported Credit One to the Better Business Bureau."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7fd15e7089b94102adeba64dcfd6296a
encoding: FLOAT32
metadata:
{"chroma:document": "I have tried to go online to make a payment and I cannot get through. I have had the same username and password for some time and never had a problem. I'm so disgusted because now I have to send my payment and it will be late and I'll be charged a late fee. I have had payment reminders in my e-mail, but when I click it on, I get a McAfee warning. I don't know what to do!!! I tried calling Credit One, but all I get is music."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: efc5a7fd5112486593758cf9a87ba6b8
encoding: FLOAT32
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{"chroma:document": "Went online to make (FIRST). Filled out all the information to make online account to pay bill (perhaps including social security number)... they couldn't go any further after suddenly realizing I didn't have the account number because I had never received (or opened) the actual credit card. Searched through the mail and found 'new' card. Went back to computer to furnish this LAST piece of information to login in to pay or set up payment online for this account. Before I could get back to the computer/website to enter account number... the Credit One Bank site (for payments) appears to have been REMOVED or TAKEN DOWN. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c526f1fbd07f4919ba9806eb2b08c228
encoding: FLOAT32
metadata:
{"chroma:document": "I recently activated a card through the toll free number they provided. Shortly after, my card was compromised and someone purchased over $800 at Target in Florida (I live in TX). When I called to report this fraudulent charge, I was told that I needed to verify my password. I never created a password. I activated it on the phone and it never asked for a password. When I said I didn't create a password, she asked me to verify my mother's maiden name which I did. She told me it was incorrect. I asked her how it was incorrect when that was my mother's maiden name."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b509a1678bad444fa08836f7f9ce12e7
encoding: FLOAT32
metadata:
{"chroma:document": "Do not get this card if you can avoid it. I am trying to rebuild my credit so I moved forward with these clowns. They are IMPOSSIBLE to either get on the phone or understand if you are are \"lucky\" enough to get someone on the phone. You cannot make a payment over the phone. They insist that you do everything through their website - which is not user friendly at all. Also they readily charge late payments for making payments online and not choosing their speed payment service which charges an outrageous amount of money, something like $12. Also, their website is always down. I was just trying to log on today to make a payment and check my balance, but couldn't do it because it is down again. And calling is not an option. These people are a joke and money scammers. Do not open an account with them. You will be very sorry!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db31c01f873d444abd5fbb5ab279f298
encoding: FLOAT32
metadata:
{"chroma:document": "I just called Credit One Bank to explain that my credit card is lost. The extremely rude customer service rep informed me that it will cost me $25.00 to replace the card and an additional $19.00 if I need it expressed. This is after I already pay $99.00 yearly fee and has never been late with my monthly payment. That's it guys... I will not entitle myself to this financial abuse one day longer. For those who are considering this company be very careful of the fine prints. You will be taken advantage of before you know it. I now know there are other alternatives to rebuilding your credit. Try Discover card or Capital One. They consider low credit scores and allow you to rebuild without robbing you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d27204b9800462499fa6f24d2dc5f09
encoding: FLOAT32
metadata:
{"chroma:document": "Customer service was rude and did not listen. A card was supposedly issued in February 2017 which I never received. Credit One made no contact with me until April 13. 2018. (Big gap) Received first written communication on April 18, 2018 of a past due balance. Customer service reluctantly told me that the charge to account was their annual fee and then a late fee. Customer service admitted the card was never activated and that they assessed the annual fee on an un-activated card. So why has no one from Credit One contacted me in over a year? Both Customer Service and Supervisor kept saying they would send a replacement card and I kept saying I don't want a card. End result is supposed to be card is cancelled and all charges are erased..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b8f379f73db4ebd937d7986428b9e06
encoding: FLOAT32
metadata:
{"chroma:document": "I applied like most trying to rebuild my credit. They never could get my payment correct from Savings vs Checking. Closed my account due to fighting with them trying to make a payment every month that they could not comprehend Savings vs checking. I have a savings account and have been unsuccessful of getting them to understand that is the type of account it is. Only one time did I ever finally get through and I had to speak with 3 different people. After that they would call and tell me my account was closed and my payment did not go through and charged me $45 return fees and then a late fee. I even had my bank send them documentation of my account number and all I got from them was it was my fault and I needed to pay on my account. Can't when you don't comprehend the process! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b87f787493b048dcaaa97adc03baae9a
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank is literally the least ethical business I have ever had the misfortune to cross paths with. They are a predatory company that takes advantage of people who are trying to start their credit files and/or recover from a financial setback. Not only do they charge outrageous fees for EVERYTHING including attempting to pay your bill in a timely fashion, they own their own collection firms and will harass you at all hours of the day and night and the people they employ are barely able to speak English or Spanish. Do yourself a favor and use the fees you will pay this company to go to a reputable company and get a secured credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab40b8a2959b4ffaabe4caade35fbb4d
encoding: FLOAT32
metadata:
{"chroma:document": "I never applied for this card! When I received mail showing I had an open card and there were charges on it already, I called immediately. They would not give me any information whatsoever or transfer me to a fraud department. They said they would take a report for the fraud department and I\u2019d hear back from someone. It\u2019s been two months and I\u2019ve never heard a thing. Be aware of this company being a scam! I never received a card in the mail or a bill yet there are charges on this apparent card. Go figure!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa17dc72626c4ea9abb61f28548aabc6
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One intentionally misleads consumers, and when you finally get someone on the phone - they go above and beyond to keep information from you. I'm paying off this card and burning it and telling everyone I know who like me, only signed up to build my credit, that this company is only out to take advantage of those in most need. HORRIBLE - anyone who works here should be ASHAMED!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af549a4cb9e74bdda008383d59d4219b
encoding: FLOAT32
metadata:
{"chroma:document": "Starting February 2 I got a letter from Credit One saying this large amount of money was paid to my account but didn't go through. So I called them and learned there were a few large amount paid to my card but didn't go through but there were also transactions made to Walmart's in South Carolina and Indiana. I told them I wasn't there and they were not my transactions. They canceled that card and sent me a new one. Then I got a email stating that my information was changed and if I didn't authorize to call them and when I did they said my info was changed to a Miami Florida address. I told them I never lived in Florida so then they put my account on fraud alert. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf637dad50aa4c7ea127cc24889389c3
encoding: FLOAT32
metadata:
{"chroma:document": "This place is the absolute worst. They call you to tell you that there's been fraudulent activity on your account. Once it has been proven that there's been fraudulent activity on the account they put a fraud on your account. They tell you they're going to send you a card in 7 to 10 days. When you ask them if they could send you a paper to tell yes your account is under fraudulent activity investigation so that you can give that to the proper authorities to give to your banking institution and for your police report they say they can't do it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4396b459cda14326b3fa55b4e082925c
encoding: FLOAT32
metadata:
{"chroma:document": "Stay away from this credit card company! High fees, bad customer service and so not worth the money lost! P.S. I think their call center is through India because none of them can clearly speak English. First, the fees are outrageous! I will admit, I had credit issues and was looking for a credit card to jump-start rebuilding my credit and they offered just that. However, I was overwhelmed with the hidden fees! There is a fee for EVERYTHING associated with this card. Want an increase? Pay $29.95. Want another person to have a card (such as spouse)? Pay $25. Express payment so your payment is applied to your account next business day? Pay $9.95. And the annual fee... when you first get the card, regardless of your credit limit, you are slammed with a $75 fee. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29c23cedb9934c4bbcd47989724fce8d
encoding: FLOAT32
metadata:
{"chroma:document": "Accepting the offer for this credit card was the biggest mistake I made. Since the first day there has been nothing but issues that have not been resolved. After spending one hour on the phone four days before Christmas to be told false truths and promises. The customer service is horrible. The level of understanding is horrible. I have several major credit cards and I have never dealt with this type of service of fees. I was promised on December 21, 2017 @ 9:26am after speaking with agent Eric (employee ID #**) and supervisor Alex that all my concerns and the fee would be waived."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9cadc091f1d24129b2769c0695f9a854
encoding: FLOAT32
metadata:
{"chroma:document": "I don't use my credit one cards often. I received a change address confirmation email from Credit One in December 2017. I called to notify that I didn't change my address. Turns out someone in Miami had received a \"replacement card\" on one of my accounts and was using it. Credit One was great at first and captured the account, started investigation and reversed the charges. Then it happened again. And Again. And Again. Four replacement cards were sent to this person in Miami (I live in California). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9ba0f56cd7746c89d9e6505b602f59c
encoding: FLOAT32
metadata:
{"chroma:document": "I ask credit one for charges made to my credit card when balance was 0 balance and they didn't give me an explanation at all. They said they will overview my account or investigate, but I haven't get any response. I submitted my complaint a month ago, and the charges are still there. What's wrong with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93557facb440480fbe14b6ca591f0235
encoding: FLOAT32
metadata:
{"chroma:document": "Set up after signing up with the pre-qualified letter. So, setting up payment method with my debit card from other bank and waited for the date, April 4, in order to avoid settling my balance with \"express payment\" which requires a ridiculous charge. Then, I found I can't go online again for Credit One can't locate my other bank account with my debit card. The lady, repeatedly saying she is \"the only one\" over the phone, from Customer Service hotline asks me to settle with the \"express payment\" which costs close to $10. I feel angry about this, coz Credit One should notify me the payment, which works with other credit card company immediately, that this is not working in Credit One. Sounds wired, right? Very suspicious! (I save my time in writing) I regret to get this additional credit card! So, think about it if you have this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b47630443ff4a5cb20378e4b759d6db
encoding: FLOAT32
metadata:
{"chroma:document": "Submitted an online payment, got a confirmation, then the website went down, so I called customer service to verify my payment went thru and they told me it didn't because of network issues, and to make my payment 2 hours later. I was fine with that, the very next day I have two payments of 300.00 come out of my account and they said that it will take 7-10 days for a refund and my balance wouldn't be available until 5 business days. Out of money for damn near a week for me to have credit card money avail and also to get my refund back. Customer service is horrible, corporate if there even is one, is disgusting. I wish I had never signed up for this mailing offer. This place is disgusting and are slimy ** out to hurt consumers. They don't help credit and the customer service is trash and they are a bunch of foreign racists."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d8c49f7d6e6c452eb87b4fcd3db1c3b6
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metadata:
{"chroma:document": "I have a credit card with Capital One. Credit One sent me a letter telling me that I was approved on getting a higher limit for my card. Being stupid, I misread the name and thought it was Capital One sending me this letter. I then proceeded to apply for this new card and when I got it, I activated it without thinking. Ten minutes later, I realized that it was Credit One I applied for and that there were hidden annual fees that were hard to spot at first. I was fuming and confused. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7cfe0067923f4deabef8b9525496d557
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst Credit Card Ever. They sent me a card with $300 balance. Took $75.00 in the beginning. I never applied, signed anything saying I wanted this card. This Company is a fraud. Asked me to send them a letter from my bank to get confirmed verification that the account mine. After I paid the $75.00 because I don't want to mess my credit up they temporary suspend my account until they receive the letter from my Personal Bank Account. My banker said they never heard of this Credit Card and be careful because they maybe FRAUD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 948bc1ebea7e4b588f1e625412321aa2
encoding: FLOAT32
metadata:
{"chroma:document": "Thieves preying on innocent people. No access to customer service, set off all the red flags. Scam. DO NOT GET THIS CARD. A $75 ANNUAL fee, which is hidden when you apply. Waste of time. Trying to cancel. No customer service. No way to do it online or on the phone. SCAM SCAM SCAM."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8be0f565d65344b09357f87740f5b1fb
encoding: FLOAT32
metadata:
{"chroma:document": "I don't think I have EVER had a good experience with this card. It was my first time on my own and I racked up a lot of credit cards just to pay bills and I was desperate, so, I applied for this card. First encounter with them... I learned that you could change your payment date, so I did. I got a call about a week later saying that my first payment was missed. I apologized and said I'd make it as soon as I can. Realizing that I changed the payment date so I shouldn't have \"missed\" it, I called back and explained that. I got a very rude rep and he said that the change doesn't take effect til the next billing cycle. Well I had changed my payment date either online or through the automated system (can't remember which) and they said nothing about that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0360b4970ef44158b8c5a180df006287
encoding: FLOAT32
metadata:
{"chroma:document": "The fees are high for this card. I had it for two years, paid the high annual fees, and I think I may have used to card two or three times and paid the balance as soon at it posted to my account due to the non-existent grace period. I always refused the credit limit increases due to the cost (typically $24.99 for a couple hundred extra dollars), however, I do remember once that they automatically increased it without my having to pay for it and they did not charge my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d01c77821344671977c041f0779034b
encoding: FLOAT32
metadata:
{"chroma:document": "The reason I applied for this CC was because it was one of the only card I qualified for at the time and I needed credit in order to get my score back up. Credit One gave me a credit card but one with a low limit and at a huge cost. I had this CC for almost 2 years and it was a hallelujah day when I finally shredded it. Starting off they charged me an annual $75 fee. After one year the cost to own this card goes up to $99 or $8.25 per month. To get my score up I researched and read that I should not charge more than 30% of my limit. This meant I could not charge more than $180 per month on my Credit One CC. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a4ea2062ec9d4fe18c1b8057ce2ceddf
encoding: FLOAT32
metadata:
{"chroma:document": "They don't have auto payment and even if you do pay on time, they notify you that it will take up to a week to post the payment unless you pay an extra $9 express payment fee - each time you pay. They charge a monthly fee. They constantly offer you \"credit increases\" - $75 fee for each $125 \"increase\". You have to decline these scam offers each time you log into your account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ce4d672e81b40f8ad0fda9ed15f36aa
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this card for eight years, I used it in the beginning, ($1000 credit line), but now I have a much higher credit score (721) and I don't need it. I have paid $8.25 for a $0 balance on this card for 6 years. My credit available on this card is $3275. Each time you raise your credit line, you pay a large fee to do so. I have never in my life added an authorized user to a credit card account. Today, I went in to pay my $8.25 fee and I noticed that there was an authorized user charge for $19.00. I called them immediately and someone had changed my address and ordered a new card to their address. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 994cd18f6c6447a4b7ff2bbf63ce73f5
encoding: FLOAT32
metadata:
{"chroma:document": "They sent me a card. We don\u2019t have any credit cards but after comparing to another offer from another company I decided to get the card as I have a lot of medical due to leukemia and another mass now. I thought I could use this when needed then pay off. There wasn\u2019t an annual fee anywhere I saw. And the other offer had one. So again I chose this one. I get a statement last week. Not due til April. Today I get a call and when I call back I am over my limit. I was so upset because I knew exactly what I spent. I got customer service and was told my payment was due yesterday and a late fee was applied plus 75$ annual fee. I was horrified. Still am. I argued with the person who was rude and would not listen and will not close the account. I wish I had read all the reviews on this horrible company. It seems a scam. I have no idea how I am going to pay the late and annual fee and get this closed. So so sick and upset."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41d6b3bddabb430a9dbff931a8bf7852
encoding: FLOAT32
metadata:
{"chroma:document": "Ok, how is it that anyone can steal our cards, make thousands of dollars worth of charges, change the address on the billing statement, but when I call to report it, \"Nope... Sorry, have your husband call.\" So, today, I look again, not only have the fraudulent charges on the first card not been resolved, but the scammers were able to open a NEW card in our name, again, charging all kinds of money on this new card. How is this okay? We don't live in FLA; haven't been to FLA, and these charges are all from FLA. Unreal, they are horrible, but they allow bogus people to use our card, then open a new one when the old one stopped working, ughhh."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a33b978d47934f71b916ec962b9f644c
encoding: FLOAT32
metadata:
{"chroma:document": "Can someone tell me how I can close the account? I\u2019m calling to customer service but is not helping. They charged me 75$ per year/after they will charge 8$/per month, I don\u2019t need this card. Can someone help me where to call/write? Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1535a9365428418f801c013f979f6974
encoding: FLOAT32
metadata:
{"chroma:document": "They would not accept my payments and charged me for late fees. Customer service was very rude and impolite. They were not able to answer my questions over the phone and kept telling me to send a letter instead. My credit has dropped drastically because of them. And have never had issues with payments with my other credit cards."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02b5a3b096ba48fda152262cad220658
encoding: FLOAT32
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{"chroma:document": "Paid off card in full three months ago. Wanted to build up my credit, cut up card and kept account open. I was alerted today via email that I had an outstanding balance and contacted Credit One. They stated that I was charged an $8 service fee (for a 0 balance account) a month followed by a late charge and then interest which added up to $111.61. After I finished laughing, I was told that I could make an express payment for $9!! I feel that I had no choice but to pay it. Probably my fault for thinking it was as easy. I was transferred three times in total for this transaction. I asked them to CLOSE this account and send me confirmation in the mail. DON'T get this card no matter how good it appears to be - you WILL be paying it off until you die and interest charges are ridiculously high."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3338d63edb854e14a917c38267dc460d
encoding: FLOAT32
metadata:
{"chroma:document": "This card is horrible. I make payments double the minimum amount every single month, but yet I have no money on my card ever. I have sought legal advice because this card is a rip-off. They charge an annual 8$ fee monthly! I'm pretty sure annual means we should not be charged monthly. I have called numerous times to cancel the card due to not being able to ever get ahead on this card. I was told I was not allowed to cancel my card until the full balance was paid off, and even when I offered to pay the full balance, I was told I could not cancel until after the payment posted, meaning they needed to charge me more money before canceling the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a7726c68686a492b8601dc9ec72f8f49
encoding: FLOAT32
metadata:
{"chroma:document": "They screwed my credit score and refused to correct it. I had two accounts and they closed one due to inactivity. I begged them to keep the account open. They refused. Later I found out that the account was open and there was a 5 dollar annual fee. This turned into 2 late payments drastically affecting my credit score. Over 5 bucks. I asked them to listen to my calls to customer service when their employee told me the account was closed. I lost the appeal and now I'm screwed. Their customer service are based in India and give zero **..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f52f40654b684f729ed11ff18bd0ecbf
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this account for 3 yrs never had a problem. What I do is take paper statements. I try to run a credit with them no interest to pay in June. I'll have a 45 dollar fee. As of right now I have a 27 dollar credit so this month I'll pay 19 dollars. So, when the fee posts they can't charge interest. I started with a 500 limit and now I'm up to 1700 limit. Never paying for limits. It worked for me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ecd16f9eeb4b4a0195ee90190cd3b61e
encoding: FLOAT32
metadata:
{"chroma:document": "Too many unexpected fees. I just made a payment and no money in my account and they posted my next payment to be made already. No statement either. I am really being ripped off now. I'm worried if I cancel they'll take all my money out of my bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7bdb55de3c1c48998a2a361553cee6e2
encoding: FLOAT32
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{"chroma:document": "A few months ago I received a card from Credit One Bank. I was so happy they issued me a card. I started using it and making my payments. I made a payment last month for the minim. After I clicked to send I realized I sent a full payment. I call their customer service and try to get all straightened out. What a joke!!! The person has a thick accent and hard to understand. I ask for the return of my money minus the monthly amount I owe. Told I can't have any help with the matter. We go back and forth for 5 minutes. Then I am told if I wait later I can get a check back from Credit One. Then when he sees he can't help I am referred to another man with the same thick accent and we go round and round and then he hangs up on me. So I decide if they take the full payment I won't have any money for 3 weeks until payday. So I try one more time and I got the same treatment. I gave up and had my bank stop their payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cba17c28501a4d74942fdde6297d89f0
encoding: FLOAT32
metadata:
{"chroma:document": "I'm a Computer Programmer. \"Credit One\" deliberately denies specific users access to their website at specific times, and literally LIES stating that they are entering the wrong username or password when they are not. This is apparently done in an attempt to prevent users who have a history of paying their bills early access in an attempt to try to force the users to pay late in hopes that Credit One can garner late fees. DO NOT DO BUSINESS WITH THIS INSTITUTION."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8d2bd2e6856a4b2caae90b2d92b8274e
encoding: FLOAT32
metadata:
{"chroma:document": "Well I called Credit One Bank and told them that I didn't open a credit card and wanted removed from my credit report. They didn't believe me and they that it was me. It's about almost 800.00 dollars rang up on the card. I was so pissed off and now I have this on my credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a813574c478f483f8e69f50fc658c614
encoding: FLOAT32
metadata:
{"chroma:document": "I have never been late on any payments and when I called to get a late fee waived because they sent my payment back that I had paid on time the lady on customer service was rude and I was told I would never have a late waived again and next time \"pay on time\" when clearly I did! Bad service, people, and too much hassle!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 997819a94e8144c5be85a92be20dc1f2
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst credit card I had in my life to say the least!!! This company charges 35.00 on your account if you're two days late from your due date. On top of that they charge you a fee to even activate the card. The customer service is horrible and no one cares be about how they're treating people. It's a disgrace. I've had this card since Nov 2017 for 300.00. Have made several of payments use the card one time and I still have a balance of 295.00. I hate this company and when I'm done paying this card off I'm done with this company. I would not recommend or advise anyone anyone be to get this card. They're full of crap."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c2666b312f3443fea9bc0429b5e75483
encoding: FLOAT32
metadata:
{"chroma:document": "If you are looking for a credit card company do not use Credit One. I've paid 3 weeks early for years. But, if you are within a week before payment is due; they excessively call you over and over and over though it's still NOT due yet. They call from random local phone numbers and no one speaks English on the other end. Lately, I paid off 2 credit cards with 2 payments, they applied both payments to 1 credit card. Common sense would say, 2 credit cards, 2 in full payments received. It's been a week since their mistake and I called several times to get the payment moved over correctly. They say \"it takes awhile, may take 7days or more\". They do this on purpose as interest incurs. Do not expect anything good out of this company everything cost, additional cards, additional users to your account, credit line increases are not free. Do not expect an apology for their mistake either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 212f9b3105664341a3182b0700972d76
encoding: FLOAT32
metadata:
{"chroma:document": "On three occasions, I have paid on my credit card account through the bank's website on or before the due date, only to be called a week later and told my payment is late. This makes me believe that the website is faulty. After three times however, I cannot help but think the site is faulty by design to scam users out of late fees. Since the first time it happened, I have saved every confirmation page after my payment, yet the payment never clears my bank account and there seems to be little to no recourse. I am baffled at how any company can get away with this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2881ac144efe464d81dacd3caad5b577
encoding: FLOAT32
metadata:
{"chroma:document": "So I had gotten my tax returns and wanted to pay off as many credit cards as possible, because I want to close a couple of them. So I made a second payment to completely pay off my Credit One Bank Visa and now I have to wait to verify my bank information again, it's the silliest thing I have ever heard. I made two back to back payments to Capital One and that card is now paid off, no re-verification needed, but for some reason I have to wait 1-5 days to re-verify with Credit One Bank. Now I have a full payment sitting in limbo and can't cancel the card or pay with debit because the payment shows as pending and I don't want to double pay. I have attached the email received."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e2c1a07cb5c49aead813c152aad6e0b
encoding: FLOAT32
metadata:
{"chroma:document": "I opened this account because I didn't pay attention enough to the name on the envelope. I thought I was opening a Capital One card. My fault in the reading, but I HIGHLY recommend to NEVER get a credit card through this bank. My limit was not very high to start out with. I can't get a higher credit amount for stupid reason, Like I do not make enough for their standards. My three other credit cards are all well over 1000$ for limits and Always extend my credit if asked. Credit One won't extend my credit limit past 400."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b11ea889b704dbc968c0ac250f455bf
encoding: FLOAT32
metadata:
{"chroma:document": "I have tried to cancel this card for 8 months. I basically used the card once when I first received it--- er that I never used it. Had it just as an extra emergency card. They kept charging me fees- double billing cycles. When I tried to cancel the first time they basically blackmailed me with - \"You won't have to pay the high fee if you keep your card.\" It was so frustrating. Still never used the card. After 7 months they charged me a fee again. I called and after 30 minutes of arguing they finally cancelled my card --- I hope --- I just got off the phone with them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17247066d1124a469968c040d086c43f
encoding: FLOAT32
metadata:
{"chroma:document": "I asked for a credit increase. They denied me based on the following information credit amount, and too many current credit inquiries but they tell you that they will look at your paying standing with them. If I would known this I would have not have gotten this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6de728d974d1495a823ac4ee9790b774
encoding: FLOAT32
metadata:
{"chroma:document": "I requested this Credit One credit card on the advice of Credit Karma as it was suggested it would increase my credit score. The initial card fee was $35.00 and then the first billing they charged $70.00 bogus fees and I had not even purchased anything. I called the company and they gave me a very hard time trying to close the account, I had to speak to four different people and I told them I would be placing a formal complaint against them. At this point the account is still not closed. I have also advised Credit Karma they are giving bad advice to consumers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b318a6f9cc4c4435ae8657ffe50a63e3
encoding: FLOAT32
metadata:
{"chroma:document": "I had a Credit One card from July 2017 to January 2018. I never had any problems with payments, etc. Card was always paid on time and payment posted to my account within a day or so. I decided to pay my balance in full last month and close my account. After my payment posted, I received notification that they added a credit to my account. It was half of the annual fee back since I didn't keep my card a full year. I called and they said they will be sending a check to me for my refund. A month later, NOTHING!!! I have called twice. The people speak horrible English. The first person hung up on me, and the second one pretended to check on my check for me and placed me on hold... After being on hold for 20 minutes I hung up. This is the worst company ever. I want my money back but they are thieves."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85239b1bed324158afbdc1d2b67bd62e
encoding: FLOAT32
metadata:
{"chroma:document": "I just got the card in the mail on Saturday, Feb 17th. My husband is disabled and I am his unpaid caregiver. I needed to pick up prescriptions and pay medical bills. My credit limit was $300.00. I just called today to find out my due date. They told me it was yesterday (Monday, Feb. 19th), and I am over limit. It seems there was a $75.00 annual fee taken off the top of my available credit. So now I am over limit and late 3 days after I received the card. I got this card to help me out, but now I just have more problems. SMH."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba209663b52d418fb897530b2d476f9c
encoding: FLOAT32
metadata:
{"chroma:document": "I will be filing a lawsuit based on their illegal activity of double cycle billing. I opened this account in Dec 2017 basically for my son to have a card if needed when not with me. I paid the Dec, opening account balance prior to the due date in Jan. I paid the Jan balance on Feb 5, prior to the Feb 13 due date yet, they still charged interest for Jan charges. I called today to cancel the card, same issue as everyone else on here with them not wanting to cancel card. Finally the supervisor after arguing with him for 23 minutes said he would close the card. Then I log on to pay the balance off which the due date for is not until March 13 and it tells me that I am not allowed to make a payment at this time as I have made four payments in a 30 day period, which I have not done. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c1ec4ec1fa8402f840d713484e8dfb8
encoding: FLOAT32
metadata:
{"chroma:document": "I opened this card cause my credit was down. Now I want to close it. Sounds from this site that you need to talk to BBB. I will do this tomorrow. You try to do the right thing and you get screwed. I see a long road ahead. Thank you to people who have opened my blind eyes. My credit sucks as it is from ID theft. I feel I should give up. But NO. I will fight. This is America. This company is legal???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef7fdb27f3dc44eaa362bccc5db073cc
encoding: FLOAT32
metadata:
{"chroma:document": "I should never have opened account with this company, just like other complaints on here I had trouble closing my account. They would keep harassing me with phone calls if I missed payment. Funny thing is I sent out REGULAR payment, and they said they have not received my payment. (Which I sent it out a week before.) Then they told me that regular payment takes not 7 days but 7-10 business day. What a joke, it seems like they want that $9.95 fee so you use express pay. Garbage company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 20799c844d7547c58efa7f1f242bf3f7
encoding: FLOAT32
metadata:
{"chroma:document": "Very concerned that my request to close the account dragged on for almost a year, incurring charges and ultimately affecting my credit report. When I called to discuss this, it was not appropriately handled."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 932d70af633e46f2a1cf58b04bb609fd
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Card created 2 types of payments: Express Payment with a $9.95 fee. Standard Payment: Customers can pay by debit card or credit card and it takes 7 days for this type of payment to be credited??? This is the way to rip off customers since any payment by Credit card or debit card do not take 7 days to be credited?? I will close my account soon with this ripoff businesses."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c38603d0582a4100a4af63439d9bf67c
encoding: FLOAT32
metadata:
{"chroma:document": "Online would never work so I could make a payment. Now I'm in collections since payment never got there on time. Late fee after late fee I'm on a fixed income couldn't afford. It so now I'm screwed in collections."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 26875bbe0b114dbcb7f853d315a6c46b
encoding: FLOAT32
metadata:
{"chroma:document": "I called to close my account with Credit One on 1/26/18. I asked that they give me confirmation upon closure of my account with them...they refused. They said they don\u2019t give out confirmation or reference numbers. I told him I needed something in writing but he kept putting me on hold a couple of times to come back with the same answer. It was a real waste of my time as I spent an hour arguing back and forth with him and telling him I know my rights as a consumer. The guy I was speaking to said his name was \u201cJeffrey\u201d (hmmm...he was speaking really fast and it was hard to understand him as he sounded foreign without good English speaking skills). I asked him to slowly spell his name...he spelled it as I spelled it above. I am lost for words. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c55274989b064860a3e43e1f1f3ec6fa
encoding: FLOAT32
metadata:
{"chroma:document": "It's 2018. This bank operates like it's run by the North Koreans in 1950. This bank operates solely as \"No\", \"No, we have no customer service.\" \"No, we can't do that.\" \"No, we don't do that.\" \"No, we can't help you.\" And YES, we can charge you up the ass, take your money and treat you like **. Absolutely HATE this company. Hate the way they don't have a simple way to extract the statements to CSV. They don't shake hands with any of the software that manages money, like Quickbooks, or Quicken. I wouldn't be surprised if tattooed to each of their employees is \"No, I don't help anyone and customer service is a country far far away, I've never been and never want to go.\" This is the WORST credit card to own."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ffd84c748ee4e57beeb4a0837ae49ae
encoding: FLOAT32
metadata:
{"chroma:document": "I got this card at a stressful point in my life, and thought it was another bank. I have had similar experiences to everyone else complaints. I had an annual fee that I knew nothing about. They started charging me monthly without my consent. They offered to increase my credit if I paid them $250 (to which I said \"no!\") and they just transferred me when I wanted to close my account. I told them I would get an attorney, and then they told me they couldn't close my account until they had a letter from the attorney. I got them to supposedly close it, but they said they wouldn't send me a letter confirming unless they had a letter from an attorney. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd42c14504a94c2884616982e7dbf886
encoding: FLOAT32
metadata:
{"chroma:document": "Ridiculously high interest card. Charges annual and monthly fees regardless if you have used the card at all. Credit One also conveniently neglects to tell you that they have charged any fees until it becomes late, at which point they call you immediately and several times a day. It's difficult to talk to a person and when you finally do it's some call center in India. When you ask to cancel your card they just start spouting off ** offers to keep it open and will talk over you while doing so. When I finally told them I don't care about their offers and I wanted to cancel my account immediately, they just said it was canceled and then hung up...so now I get to see if it was actually canceled or if they are going to try to charge more ** fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a046b0ddb9404a22a0d03d4e06345474
encoding: FLOAT32
metadata:
{"chroma:document": "I requested a credit card after losing my original. No card was posted to me. However interest and charges for a new card were added to my account. I would like a refund. However there is no way to phone the place to query this matter."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1708a19c12cc40d9ad2688bb2fbd5cd1
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One incorrectly marked a charge as fraudulent on 12/9/17 and has not corrected the error causing a major issue with the merchant. On 11/20/17 I made a purchase for with a vendor using my Credit One credit card. The purchase went through fine. A few days later I realized that also on 11/20 there were 6 other charges made to my Credit One card that were fraudulent. I called Credit One and reported those charges. We discussed the valid purchase made that same day and I said that it was OK and did not report it as fraud."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c83363259f1c43b89822c899dd127724
encoding: FLOAT32
metadata:
{"chroma:document": "I opened this card last year and within a week was charged with a 75 dollar annual fee. I hadn't even used the card once. Decided to pay the 75 and was charged yet again just to make the express payment. Otherwise, I would have had to wait a whole week before funds were made towards the account. Decided to call and close my account permanently. One year later I get a call from Credit One stating that I have a past due balance. After speaking on the phone with them for an hour, both on hold, and being transferred back and forth, they were finally able to close my account again. TERRIBLE TERRIBLE TERRIBLE CUSTOMER SERVICE. To top things off you can\u2019t understand a word any of them are saying. DO NOT open an account with them!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5dc34e8aeb724505983ed44ea5f921f2
encoding: FLOAT32
metadata:
{"chroma:document": "My wife got a letter from this bank offering a credit card and my wife believed that this was from Capital One because its logo is pretty similar. By mistake my wife applied believing that this was Capital One. Next month she got a new letter charging her $75 for a membership that never was notified. Do not be unwary. This is a very fraudulent offer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e046b473dd8d4a7787196b249b6ffbd9
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank is very slow on customer service because of foreign speaking workers. They also at time when you're trying to pay on your account online block your usage. I reported them to IC3 because they want to charge a yearly charge and make you pay a late payment when you don't even own any money on your balance. LifeLock acts stupid when you call them and disconnect you on the phone. Acct: ** ref: http://www.creditonebank.com. Also, sometimes their website is being blocked by foreigners... They want your Social Security number when you get a call from them..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b562be238df042aea7334105beb771cf
encoding: FLOAT32
metadata:
{"chroma:document": "Impossible to talk to a person. Paid credit card bill, said I was late. Finally found a way to get thru. Late payment was reversed. Was told payment should be made 7 days ahead so it would post. Doesn't make sense because when I schedule a payment it\u2019s always out of my bank the next day. Now they say I'm over my limit, but I'm not. Phone system is down today for service. Don't get this card. I did it to build my credit which it had done in the beginning. Would close it but don't want to hurt my score. Maybe Wells Fargo owns this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d75777c32fe34ff2bba1b055179cee60
encoding: FLOAT32
metadata:
{"chroma:document": "My sister in law saw a double payment on her account last year. She called them immediately to have one of the payments reversed, and the money returned to her checking account. Simple, right? Ahhh, no. The extra payment was reversed, and the money returned to her. In the meantime, THEY had reported a duplicate payment as fraud (yes, you read that right. A fraudulent PAYMENT). So they closed first account and issued new card, number account and all that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0929cf4c10d4b7398526cb92250cd8b
encoding: FLOAT32
metadata:
{"chroma:document": "Buyer BEWARE! This card will charge you to make a payment faster than 7 days and nickel and dimes you to death. There's also no easy way to get a human customer service person for anything. Frankly... I am sorry I ever got this card. Why should I pay an additional $9 to do a 2-day payment processing and why if I pay a few days before my due date am I held up for 7 days then charge a late fee for them holding my payment when it leaves my bank the day after I pay it. This is VERY BAD business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e283aeb623c04424b0725671ab48b495
encoding: FLOAT32
metadata:
{"chroma:document": "I paid off my card every month, had them for two years. At the time I had no choice because of a bankruptcy and they took full advantage of that. So the fee was annoying but I needed a card to build my credit so I thought. Not only did they charge that fee, I figured out after researching further I learned they charge interest multiple times a month, they drag their feet on processing fraud charges to ensure they can charge interest on those amounts, they also charge fees on those charges as well. They take over 30 days, actually more like 90 days to put any fraud charges back on your card. I realized that when I was being charged 100's of dollars on my card even with paying them off every month. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8523249251f84730a5680b13df6cbea3
encoding: FLOAT32
metadata:
{"chroma:document": "How can a credit card company/bank not have a workable website to make payments to. Their website never loads and they try and force you into calling and making an express payment for $9.95. Can never get through to an actual representative. Automated phone service directs you to a website that DOESN'T WORK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4b55aa151deb4c148a1e0f1a2e72d618
encoding: FLOAT32
metadata:
{"chroma:document": "I had no idea that this credit card was for \"high risk\" borrowers or those without credit. I am a Canadian living in California and they sent me offer after offer to sign up, and I wanted my own independence from living off of my husband, so I took the bait. I also signed up for paperless billing right away. This company never emailed me a statement in the 3 months I was with them. Therefore, I never thought of them. However, they started calling me incessantly recently, and I took the latest call. They told me I owed $118.93. I told them I had never used the card before, and in a quizzical manner asked how I could possibly owe that. They said this was the activation fee and then subsequent late fees for not paying the activation fee, as well as a fee for the \"pretty\" design of the card I chose. I told them that they never informed me upon signing up that there were any such fees associated with opening an account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 928119f0a9bc4fe29d88f70a702c29cd
encoding: FLOAT32
metadata:
{"chroma:document": "Two years ago I reported my card lost/stolen. They said they would send me a new card, they never did. I repeated the process of calling to report lost/stolen several times. They keep charging me interest and late fees on a card I don't have plus the yearly fee to just have the card. EVERY TIME you call, you wait on hold, get transferred. No one helps. I've had the same conversation with them for TWO YEARS. No idea how I will ever get this card closed or resolved. Seriously. They are the worst experience I've ever had."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f2cc9f14e154063aac696cb25a3fe1d
encoding: FLOAT32
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{"chroma:document": "Months ago I paid the entire balance on my Credit One Credit Card Account. It has taken months to pay off additional interest and other fees. I have not received any bills in the mail for months but received a call from a representative this weekend advising that I owe over $50.00. No purchases have been made since Nov and those were paid in full. Apparently there was .51 in interest. I now owe them over $60.00. I paid this just to get rid of these legalized CROOKS. Although I closed this account months ago, I am still being charge a monthly fee. My interest rate is 24%. Stay away from Credit One Credit Card Account. How have we allowed banks to do this to the American public? This is an outrage."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66cc405ccefe4ec4ba6e2c354f1592fc
encoding: FLOAT32
metadata:
{"chroma:document": "Just like all the other reviews. Stay away from this credit card. I have had this card over 3 years and unbeknownst to me another application was submitted using a different address. That account was not opened which is great but they have not blocked my current card for access. They want me to send in documentation when I called them though payments have always been made on time. They are refusing payments over the phone and on my due date will be late because they are saying you have to mail in the payment knowing it\u2019s due today. They are a bunch of thieves and told them to eat the balance. This is how they treat good clients. STAY AWAY from them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 39fcd8f9c72b4a32b49a56e59f92614c
encoding: FLOAT32
metadata:
{"chroma:document": "I have tried for days to log into their website and it will not open, I have read many other people are having the same problem. I don't know what to do. I just want to pay off my card and close it immediately. They have reported falsely late payments and ruined my credit as well. Something must be done."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 160ed81981644c3aa79eec7964b7cefc
encoding: FLOAT32
metadata:
{"chroma:document": "Receive card about a month ago and so far I've had problems with trying to login to my account, I've called customer service several times and they are absolutely no help at all. They are trying to make me pay over the phone and charge me the Express payment. They keep calling about 5 or more times a day. My payment due date is today and yet I've been receiving phone calls for the past 2 weeks. Still with no success to log in to my account, customer service is being rude and unable to help. I strongly suggest to stay away from this credit card to Avoid the headaches and stress caused by them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d7b861fae86b4d598fa528bc292f1f29
encoding: FLOAT32
metadata:
{"chroma:document": "This credit card company makes it difficult to pay online. Their website or app is either corrupted or doesn't load and when you attempt to pay it does not allow you to do. You are then forced to make an express payment over the phone which costs 9.00 extra to do. This is also where they can collect on late fees if you are unable to access the site online. I called customer service to make a payment and complain that the website had been down and asked why there isn't an option to make a standard payment and only an express payment over the phone, they stated that can only be done with the online option. I explained that the website has been down. I have attempted 4-5 times in last month. They stated there was nothing wrong with the website. This credit card company is corrupt, steer clear. I have read reviews where others have had difficulty accessing the website to manage their account also."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a19005fc3dfb4f02abc5b5c4175e9ce4
encoding: FLOAT32
metadata:
{"chroma:document": "I hate this card. Their website is always down. When I call in every month to make my payment, I demand that I do not get charged a $9.95 fee because it's not my fault their site never works. Although my credit report always shows I am in good standing with them, they never update the balance with the 3 major credit bureaus. I'm so over this card. My account is getting shut down as soon as it's paid off, which by the way, I have no idea what my balance even is since I can't get into their website. This card is trash. I'm going to write them a certified letter when I shut it down and if that doesn't work I'm contacting my lawyer. I don't see how this place hasn't been investigated for fraud yet by the Attorney General. Obviously, we aren't just a bunch of complainers, when everyone on here, including myself, are saying the same thing about this place."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 544870c451c144908d2b25c88d24326c
encoding: FLOAT32
metadata:
{"chroma:document": "While I have not had the issues of being charged for late payments, or creditor calling me every day due to late payments as I have had my account paid online on time every month for a year, I was never offered a Credit line increase until very recently. So what was my reward for on time payments, Double the minimum payment every month? An offer of credit line increase of $250 for a fee of 14.95. That is a 6% fee just to get an increase. It appears that this bank thinks that just because I have had poor credit in the past that I am incapable of thinking for myself when it comes to sound Financial decision. They offer you credit to \u201cHELP\u201d rebuild your credit file with the intention of milking you for every cent you have. Please DO NOT consider getting this card and be wishing you had not. There have to be better credit card programs to help you, and not be only after your money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae4fc319749c489cb7b9235fec3aa8bc
encoding: FLOAT32
metadata:
{"chroma:document": "We received this card and wanted to build credit, I have been trying to make a payment and have been unable to and now the payment is late. Their customer service does not allow you to speak to a human, it is all automated. They do not offer to make a payment over the phone unless you do an \"express payment\" which will cost you an additional $9.95 and you have to use another credit card to pay it. When you click on their customer service link on their website, the page is blank and doesn't ever load. I don't even know where to go from here to pay it, we did not receive a bill in the mail for it because we chose paperless billing when we initially signed up. Naturally that part of their website works just fine. How is it legal for a company to have a credit card and have no way to speak to a person, how do you report fraudulent charges or if you have problems there's no way to solve them. Just totally ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01b89e0f2637407c908646ce1578af45
encoding: FLOAT32
metadata:
{"chroma:document": "First of all, how does this \"Bank\" even exist? My husband and I each have a card. When my husband mailed in his very first payment it came back to him with a sticker on it saying \"This address does not exist\". It was the address printed on the bill. So how could it be wrong? I called them and right off the bat I said \"what's the deal here?\". So the man I spoke to (which, no offense) I could hardly understand because of his strong accent. Said I can pay the bill on the phone for a fee. I immediately spoke up to him and said \"why should I have to pay a fee when the bill went directly to you and you people sent it back?\" So I didn't have to pay the fee. Guess I got lucky that day. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 707cfe8fcd0e4e5cb061c583ca00aad2
encoding: FLOAT32
metadata:
{"chroma:document": "About two months ago I made my payment to this credit card company and they charged my bank card an extra two payments! This error they made threw my budget off balance. I kept calling them then finally on the third day I explained it to her and she apologized for the error. The following month I was told to make payment through mail and always paid them on time, not only did they closed the account they place a negative remark on my credit, hurting my score. The government should really look into it. This is truly a nightmare."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d7da4bff00cc497a85b4124ad9c6efa8
encoding: FLOAT32
metadata:
{"chroma:document": "DEAR GOD!!! Pray that you never have to dispute a transaction with Credit One. WHEN I FINALLY got ahold of an agent, he SPOKE ABSOLUTELY horrible English. OMG come on now... Then after finally getting to the point of what was going on with my acct. He only said, \"I am so sorry we get this fixed for you...\" UGHHH then proceeds to tell me that I will have to write some dumb letter telling them why I want to dispute this. ARE YOU KIDDING ME??? Is that not your job to listen to me and dispute it??? So I TRY TO GET THE ADDRESS but of course could not understand him after he repeated himself about 3 times. He then told me, \"I'M SORRY I CAN'T HELP YOU if you cannot understand me!!!\" I then asked to speak to another rep and he actually told me NO!!! THEN HE HUNG UP... BEWARE!!! Still not sure what to do now..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 605b3d581fcb405282208f2dbeec595b
encoding: FLOAT32
metadata:
{"chroma:document": "Got this card and was excited as my credit wasn\u2019t the best. I called to ask if they would waive the fee as this was my first time using them. They refused. Okay sure worth a try. The 35 dollar late fee is ridiculous as it gets added if the payment isn\u2019t processed by the date. Why does it take them over a week to process a payment? Second if you are even a day late they call you every hour on the hour to try and get a payment out of you. It has gotten to the point where I block every single number I know is them. As far as the on phone processing fee (10.00), if you tell them you aren\u2019t paying a fee they waive it. Just a heads up for others who have this card! I will be canceling as soon as my balance is paid off, which with all the fees won\u2019t be soon enough."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f0e54c28db940ba86e8be2b604c67c8
encoding: FLOAT32
metadata:
{"chroma:document": "I called Customer Service to make a payment on my account about 1 day before it was due; usually do this online, but for some reason the website wasn't coming up. So I called to make payment; I usually do a standard payment which is no charge. I was informed that my payment would include the express payment fee and I specifically told the moron of the representative; which by the way she was completely rude that I didn't want to make the express payment -- just wanted to do a standard payment. She tells me in a rude manner that I couldn't do that over the phone; I told her the problem I was having with the website and she said something -- which I can't remember -- but it was demeaning to me!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 727d75ec977a48c898391b5c72aa9615
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying to access the website for 3 days now. I called customer service which is in India of course. Luckily after waiting 20 minutes, I talked to a rep who wasn't from backwoods, East ** India. They said turn off ad blocker, clear the cookies and use a different browser other than Google or Explorer. It's still not working. I want access to my bill. After reading the reviews online, I'm very concerned they are trying to limit access to create revenue from late fees. If I can't get some satisfaction by the middle of the week, I will be speaking to the Attorney General's office."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46dc60432a4242fa88ad7b1f139430eb
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had this card less than 2 weeks and purchased one thing on it. I kept trying to pay it off right away but the payment never posted however they reported to the credit bureaus that I didn\u2019t pay which dropped my credit score by 35 points. I was absolutely furious as I pay all my credit cards off in full every month. Received a bill that said payment was due on the 1st for an amount of $45 which I\u2019ve been trying to pay. They sent this over to the bureaus on 12/23/2017. I received the card on 12/15/17. When I called to ask why they would send that over when the payment isn\u2019t posted and I can\u2019t pay they hung up on me. Which pissed me off. I called back asked for a supervisor who spoke no English. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eec8fedfb1064aeda46d84b87fca4c13
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give them a 0 I would. First they canceled my online access because they had a trouble processing my on time in full payment, then it happened again! When I called they said that I had to send a verification of the bank account number by going to my bank and having them send a letter that the checking account was mine. I refused, so they closed my account. I paid my card in full every single month and was a good customer, but they are a terrible credit card company, and I am really glad I don't have to ever deal with them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3922267072d4472292d02a10c09b035e
encoding: FLOAT32
metadata:
{"chroma:document": "Let's be honest, this card is designed to hook people with low to no credit histories. Bottom line. It's the same reason I was approved for this card so don't feel bad if it's the best you can do right now. However, this company is a giant scam. Their customer service is deplorable, their website often doesn't reflect current information (good luck calling them to try and have this corrected), the app... Well that's just a joke, oh and for the love of God. PLEASE check your balance even if you've paid off your card in full because they will try and trap you with late fees if you are not careful. Credit increases appear to cost you 10% of the credit line increase being offered (at least for me it seemed to average out that way). In short, if you are going to go with this card, make sure to monitor your account because they do NOT have your best interest at heart."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d9b375b42754d73b4feb7eaaa80cb82
encoding: FLOAT32
metadata:
{"chroma:document": "Received a $300 credit card. They took half the credit up front as fees. Today, they called at 7am. They call non stop all hours of the day. It's super harassing and stressful. No boundaries at all. Rather take a ding on my credit, than deal with this any further."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e8ca5f020ee4f0d93dfb2e8450fc4bd
encoding: FLOAT32
metadata:
{"chroma:document": "I opened this account with a score in the high 700s, was approved and they started calling me 20+ times each day a week before my due date demanding a payment, they are rude on the phone and clearly don't care about their customers. Their goal seems be to suck in and cheat as much money as possible from low income families who already struggle."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 280fc9d846e943008987b0b73e5c5366
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a $0 balance for about a year. They started adding 1/12 of my yearly device fee onto my monthly statement. I pay it. This month, I sent my $8.33 check out on the 11th, for a due date on the 23rd. They didn't cash it, and added a late fee. It may be plausible to be late if my check went out a couple days before the due date, but not 11 or 12 days. It is incredibly hard to get someone on the phone, and the customer service is terrible. I'm closing my account as soon as they remove the charges, as promised. This company is garbage, and they prey on people. Beware."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e75d002787b84435903bdcb66dc39889
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is the highest rates I have ever seen and there are charges given to an account even when the card is no longer being used and is paid in full. They spam mail you with offers about \"pay us $25.00 fee now and we will extend your credit\". If you come across them walk away or pay forever and get nothing in return but hassles! I have wanted to finish paying on my account and close it but the website has been down for around 2 weeks. Horrible company and no customer relation whatsoever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a4d7e807ef5481ca5099a3f53f584dd
encoding: FLOAT32
metadata:
{"chroma:document": "They won't give me a credit line increase and my FICO score is 828. I am sitting at a $900 credit limit and my credit limits with other banks are from $5,000 to $28,000. I would close this account but it is my oldest credit card so it would hurt me to close it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af591314084e471fbe7cec63fa829353
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One is an absolutely horrid company. I accepted their offer when I was younger, and I deeply regret it, because it's nearly impossible to close your account with them. You need a lawyer or another agency to ensure your card is closed by having both written and oral confirmation, multiple copies, all signed in triplicate. Google \"how to close a credit one account\" and see the horror stories for yourself. It takes several months to happen."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f6fbac8e61342129a8be9611e8df444
encoding: FLOAT32
metadata:
{"chroma:document": "When you pay your OWN BILL ON TIME you are charged $9.99 for each month that you pay your bill by phone. If you send it by mail they're apt to charge you also a $35.00 late fee. I sent my payment in to them by mail 10-12 days prior to payment being due. They're very slow to process your payment or they are probably stalling to get the extra $35.00. (My best guess)\u2026 They also CHARGE YOU $19.99 to add to your credit limit, & they keep trying to get me to accept a credit line increase. I won't add a credit increase due to their policies. They're not FOR YOU. They're for themselves, believe the term to best be used for them - GREED!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 432c80ab7f9f4be6a237b2c7e7db3e44
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a cardholder for a while. A few things that are not so great: the website is NOT user friendly or easy to understand the information (I check my account regularly. Will not see a payment due yet somehow I get a late payment warning and late fees), the only way to contact for help is via phone. No email or chat and if you have to call be prepared for a wait and when you do get through frustration trying to pull out any competence from who you are speaking to, interest rates are high. If closing it didn't impact my credit score I would have already."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 940a9924b04e4bb0bbec7f519ce5686f
encoding: FLOAT32
metadata:
{"chroma:document": "On two occasions, a week apart, they withdrew funds from my bank account for payments without my authorization. A year prior, I notified them of fraudulent charges. Their researches showed that it was done via a PayPal account in Spain (I live in US) that was not mine. I followed up with them and they ignored me. They never corrected the charges. Instead, I was charged a fee for a new card. Do not do business with them. You will regret it. They should be out of business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53a9419cff054b9ea27c0cfe0da833e3
encoding: FLOAT32
metadata:
{"chroma:document": "I have a Credit One card account, I made my usual payment on Dec. 1st. On Dec. 13 They drained my bank account without my approval. When I tried to contact them all I got were foreign offices and dropped calls. Every time I asked to speak with an office located in the United States, I was denied. I feel uncomfortable giving my personal information to offices outside the United States."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc83a418a1b44b1f8e0a2cf49417ffdb
encoding: FLOAT32
metadata:
{"chroma:document": "You can't get in touch with them most of the time. And you can't email them or do an online chat with them. They sometimes answer when you call but sometimes not even a recording, it just rings. Something definitely wrong with this company. The customer service representatives don't even sound trained."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c82b327e458344c7be639eeba13e1842
encoding: FLOAT32
metadata:
{"chroma:document": "Platinum Visa - This is absolutely the worst card to apply for. I wish I would have done research before I applied. There\u2019s no way to get in contact with an actual human being. I have a charge on my account for something that I didn\u2019t purchase and now my account is negative. I\u2019m gonna pay this off and close my account asap."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 28eb1f67ebbe4d938d0f400c94dc8bef
encoding: FLOAT32
metadata:
{"chroma:document": "The worst experience in my credit history has been dealing with Credit One Bank (AKA Capital One). As a customer, I was mislead what my annual fee would and did not realize for the past 3 years I was being charged 3 times as much as to what I agreed to upon agreeing to accept the credit card, which of course was spread out and billed each month. When I contacted customer service to explain the issue and requested the difference back, they said they were not able to credit back to my card because I had zero balance. They should change their name to \"CUSTOMER NON-SERVICE\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a4e0d98a0364bcbadd6237c54ffb256
encoding: FLOAT32
metadata:
{"chroma:document": "They make their policies very unclear and then are very underhanded in explaining them - if they can explain them at all, I was able to tell the representative more about the user end of their website than he was able to understand. Example, it says you can change your due date as long as you are within 5 business days of your current due date. So, my due date was on the 5th, and on the 29th of the month before, I changed the due date to the 15th. A green check mark appeared in my online settings and said changed. No other information was displayed or emailed/texted to me (I'm on paperless settings, so I would not think I would receive anything postal mail)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e61f18d9dd245db9b6151962ba839ab
encoding: FLOAT32
metadata:
{"chroma:document": "The right arm doesn't know what the left arm is doing. Their customer service is non-existent. They sent my card to the wrong address FOUR TIMES & their website when wanting to review my statement is mostly unavailable. Just the most FRUSTRATING ORGANIZATION TO DEAL WITH. Will pay this off & be done with them to save me the angst their card is causing me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ceef6ec81aff445cacf50672b5ca516f
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Credit One Visa for 2 years. I started with a 250 credit limit. I immediately up an online account which was challenging. Upon successfully completing the setup I linked my bank account. This was all in the first 2 days of being approved. I have been using and paying the bill online since approval and to date have had 1 issue with their site being down. I always pay early so this was not a problem, I was still able to pay by the due date. After about 4 months I received a modest Credit increase, then another in a few more months, and again several months later. At some point the yearly fee was changed to a monthly fee which almost made me late as I had a zero balance but was charged the monthly fee that I was unaware of. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45531a218c544b068deb77906b9fd1c3
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a Credit One card for years so I know how they roll. They charge me 8.50 a month just to carry the darn thing. So like a fool I fell for their latest scam. I got a offer for a second account. Offering no fee for a year. Man o man was I scammed... They just congratulated me when I called questioning why they charged me 60 bucks for a card that was supposed to be fee free. Here\u2019s what I was told\u2026 \u201cCongrats instead of paying once a month we charged you the whole 60. See now you don't owe us again for a year.\u201d WOW wasn't that just so nice of them? BEWARE! That no fee scam offer they are sending out is a lie. Also if you accept it remember they are still charging you that 60 bucks whether you use the card or toss it in a drawer for a rainy day. So don't forget to make a payment on that no fee for a year card. Pure and simple entrapment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5def062afd24801875990264b4228f6
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for the Credit One card because I thought it was a Capitol One card. They requested I send them a copy of my social security card and driver's license. I wasn't comfortable sending a those over the internet. So I decided to do a little research on the company and it didn't look good. So I never sent the stuff they requested and I never received or activated any card. BUT THEY STILL BILLED ME! Claiming I owe them $100. I've called several times and they say they'll take care of it. But they never do. It just accrues more late fees. Last call today they told me to call back later. This company is a sham. I recommend don't even fill out an application because you will be billed for it. I don't understand how it's even legal to do what they do to people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24c5071ac604429ba229ea4fb9d0e626
encoding: FLOAT32
metadata:
{"chroma:document": "I am absolutely not able to speak with anyone from the company. There are 7 numbers listed, and none of them ever being answered. No email whatsoever. What's wrong with simple communication with the customers!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff17e6a8e0b54a23b43600373a162aa3
encoding: FLOAT32
metadata:
{"chroma:document": "Received the Card and did not activate the card till 11/5/17. As of 11/28/17 they are telling me I'm 11 days late on my first payment. I have been unable to sign up on the website. It is never working. When you call to speak to a representative it hangs up on you. They tell me they mailed me my statement and I have still not received one. They tell me they emailed my statement but I am unable to view it because it won't let me create an account. They want to charge me a $25.00 late fee and $9.95 to pay over the phone since it looks like they make it impossible to pay your bill any other way. THEY NEED TO BE INVESTIGATED AND SHUT DOWN!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45a9ba94c8414aff891d3d13ba85e27c
encoding: FLOAT32
metadata:
{"chroma:document": "Wish I could give them a zero! They call up to 10 times a day! Their fake card does not work. I called a couple months ago to cancel. They tried shaking me down for $138.50. Claiming annual fee plus service charges. Talked to some incompetent foreigners who shunted me to another supervisor who was foreign. Wasted almost an hour. They want your last 4 digits of your SS #. Supposedly cancelled and foreign guy would waive/drop all charges. Yea right! For past few weeks getting calls from my local area code. They don't leave messages. Answered today to get this resolved. Foreign dude named ARSON; Can't make this stuff up, tried shaking me down for same $138.50! Told him not paying. I already cancelled. He then threw me on hold with bad 80's music! Holding for supervisor. Of course supervisor line busy. So Arson gives me number to call with Pacific time hours. Asked Arson to e-mail me number. They can't do that. STAY AWAY!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b13ef87c7c2b422b85e2856d96a90198
encoding: FLOAT32
metadata:
{"chroma:document": "Every month my account gets further and further behind. I had to make only the minimum payment on the account due to some money problems I was having because of a mistake with paperwork the state made and it's taken me 3 months to fix it. Now my account with Credit One bank is almost $200 over my credit limit. How are you suppose to pay off a card when you're obviously getting overcharged fees every month. Also whenever you make a payment with your debit card they charge you $10 just to make a payment? That's an extra $120 a year they are charging you to pay them. How does that make any sense? I just want to shut this card off and pay the thing off."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc10d3c724d74d1985b2a1ff9e2802ca
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with this card was good. I paid my bill every month on time, received a credit line increase after 7 months. Also got cash back, (only 1 percent) but every little bit helps. If you pay your on time and don't bounce checks payable to them you should not have a problem. My credit score increased 52 points over 6 months."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af8c8b2c20b6423294bc15e7bf660505
encoding: FLOAT32
metadata:
{"chroma:document": "There is no need for me to write a review, read the reviews that have been posted and believe them. To add it is the only credit card company that does not accept automatic payments (RED FLAG) and you cannot contact via email (another red flag) most likely so there is no Text/paper trail to any communication. I cannot believe that there has not been a lawsuit filed against this company. I\u2019m sure the lawyer would be able to make some money. I have been trying to contact them for 2 days to close my account, website shows 6 different phone numbers and called all 6. Got the same menu choice on all 6 and not able to get a real person. I understand it was Friday and now Saturday but \"customer service\" list available hours, maybe the two employees are out to lunch?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4330158c2eb54a248905a244fc11bb55
encoding: FLOAT32
metadata:
{"chroma:document": "This credit card company is an absolute nightmare! When I received the pre-approved application in the mail, their logo looked exactly like Capital One and since I was trying to rebuild credit, Capital One is a reputable place to start. Needless to say, when I received the card in the mail and took a closer look, it was NOT what I thought it was! However, I thought I would give them a try. But after I received my first statement, I realized they were charging me daily fees and interest. I paid the balance immediately and called to close the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ccfcf7b134c14c52a6d9fef57836588b
encoding: FLOAT32
metadata:
{"chroma:document": "My husband had applied for this card about 2 years ago when we recently moved to a new state knowing we would need a few essentials before his first paycheck. I kept receipts as I do for everything for taxes, and my own records. I attempted several times to set up online account access as to make it easier, and even called their customer service line SEVERAL times to assist in this process, but to no avail. I gave up and chose to wait for my paper statement in the mail... NO SUCH LUCK THERE EITHER. I would pay weekly on the card for what my receipts said I charged. When my husband's job came close to ending, about 6 months after receiving the card, I called and updated the address to mother-in-laws back home. After that move, and one more a month later, we still had not received a bill. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da008570f253431c8974bd0e3610433c
encoding: FLOAT32
metadata:
{"chroma:document": "Cancelled account with balance. As soon as you cancel account you can not pay online. Must mail in payment or pay by phone with an additional 9.95 charge. Not explained when you open account. Very hard to cancel account. Would not deal with this company for anything."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d12888ab50234ef88a15e2834086a787
encoding: FLOAT32
metadata:
{"chroma:document": "I'm a customer. I'm a Credit One. I'm so disappointed to you. You guys are the worst one and is worse company of business card customer service online service. I give or I don't know how you guys couple years after. What is a problem after problem you guys don't result anything. Always charging me money for everything. Thank you for nothing. This is my rating. You are the worst one. You are the worst one."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 269ced4d54d5409aa95533ff570850c8
encoding: FLOAT32
metadata:
{"chroma:document": "I have tried to pay my bill on their website since I have had this card. I pay almost ALL of my bill online. You can't pay on their site! I have changed my password and username several times- no luck. I call them- you can't get a person. They want to charge you a fee to pay through their automated system. NO real person = no one to grant you a free way to pay by phone. I wish I had researched this bank ahead of time. I am going to get rid of this thorn in my side. So that is why I am posting this. I don't want others to go through what I go through each month. This is a horrible credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a41cacc0015b4f2aa3a8f5e4b11a22f8
encoding: FLOAT32
metadata:
{"chroma:document": "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 SIGN UP!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f7df6f1ed784749aef42cd5f44f0fef
encoding: FLOAT32
metadata:
{"chroma:document": "THIS CARD IS BAD NEWS! From the beginning I have had so many problems. Making a payment is crap. They said payment accepted to find out later they rejected it and did not notify me so while I'm think payment done it was rejected. Then by the time I make another payment it was late and the sites are always down or suppressed??? I HAD TO GO TO MY BANK and get a letter that they were actually my bank and send it in the mail before they unfroze my account. They wouldnt let me make a payment over the phone. They just said I have to verify my bank and until they receive it in the mail they cant process my payment. They also want to charge for taking a payment. They charge $100.00 annually for a card without you knowing. I was trying to rebuild my credit and this card is actually dropping it. I was also warned it will lower my score if I close it. THIS CARD IS A FRAUD!!! RUN RUN RUN!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e24ccfd9bd64379b16aec4cd45541e4
encoding: FLOAT32
metadata:
{"chroma:document": "I am very disappointed with the way they do their business. I have 4 other credit cards and they do not charge the annual fee until the end of the first year. First year is usually free for most of the banks, but this bank just wants to take money from you from all the possible ways. I was charged the annual fee in the first month's bill itself which I believe is very unfair and unacceptable. They really need to work on this and make their business more customer oriented and customer friendly rather than just being money oriented. I am pretty sure there is more than one reason for this bank to consistently maintain a very well deserved single star rating on Consumer Affairs' web page. I would never recommend anybody to go for this bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1fc4e835d2514dae85aa8c52a538e0f2
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible service... Garbage bank. My credits score decreased up to 40 points just for opening account with this bank. I have applied credit card to make good credit score but while opening the account they do hard inquiries which affect on credit scores (TransUnion: 40, Equifax: 46). Moreover, this GARBAGE BANK charge $75 for their horrible services."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec1a057cd04b4c88ab21e53f41a0e5ce
encoding: FLOAT32
metadata:
{"chroma:document": "I received this credit card a few days ago. I attempted to make a online payment today and I was unable to log in. I attempted to call ALL OF THE PHONE NUMBERS listed on my card, and the website, and ALL OF THEM are saying disconnected or a busy signal. How do I prevent any serious damage to my Credit?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 44ce06ebbb68401a8427ee3ad144a440
encoding: FLOAT32
metadata:
{"chroma:document": "Lots of things wrong with this company. Their annual fee of $75 was not disclosed on the initial offer. Only four payments allowed per month. Takes 10 days for a payment to reflect in available credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b9ce76040544413a869eb0538807386d
encoding: FLOAT32
metadata:
{"chroma:document": "I wish I had read the reviews here before getting this credit card from Credit One Bank. I, too, paid an enrollment fee. I didn't realize it at the time and was able to make my first payment online. I paid off the card and was going to close the account. When I called Customer Service to close the account, I spoke with someone who could barely speak English who convinced me to keep the card -- they would credit my account $25. And they upped the limit to $400. Tonight, I tried to get online to make a payment. I could not get on. I set up my online account over and over and kept getting a prompt telling me my password or username was incorrect. I had printed off the access information, so I KNOW I was using the correct username and password. And I tried both Chrome and IE. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af47eea5d4d1453e879b5c158953ab80
encoding: FLOAT32
metadata:
{"chroma:document": "When my mom first got her card, she hadn't used it yet and we were in the grocery store walking around when she began receiving phone calls. She finally answered it and talked to a woman for about 10 minutes with the woman telling her that her payment was past due and she needed to make a payment over the phone. When I found out what was going on I told my mom to hang up as I remembered that she had received mail from them the day before which happened to be her bill. She ended up getting off the phone and not even two minutes later the same woman called back and kept telling her the same thing. When we got home I got my mom's mail from the day before which had the envelope in it and when we opened it, it showed her payment wasn't due for another 2 weeks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fce5c712f761416d88438264274fbc00
encoding: FLOAT32
metadata:
{"chroma:document": "I rate Credit One Bank less than one star. They will scam you out of money and charge you a monthly and annual fee even if you never use the card. So in the long run it ended up hurting my credit score instead of helping it. I had no idea I had two separate accounts and had a late fee. So needless to say paid what I owed which was ridiculous and cancelled all accounts with this scam of a bank. You're better off not having any credit cards than having one with this outfit. Beware!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6339e8c8cbdf4cfc9a21b5a2d60b2703
encoding: FLOAT32
metadata:
{"chroma:document": "It is not good at all or transparent this card or bank. Listed several of its many deficiencies: 1- You are going to pay and they ask you for a charge to post your payments before or free and it takes 6 days... 2- For the increase of the credit they invent a rate of what they want... 3- Charge a charge of 60 usd for the mobile app and to top it off if they have annual payment and if something happens to you the payment in one day they burn the phone in calls. I do not recommend it at all, I give a star because there is no other, so it costs me what it costs me in my credit. I close it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45f84493b10446f6b73417ea48ab0ce3
encoding: FLOAT32
metadata:
{"chroma:document": "I spent the first 10 years of my career working for the credit card company MBNA America so I know credit card policy and customer service quite well. I can truly say this is one of the worst companies I have ever dealt with. The product is for high risk borrowers and is used as a starter or rebuilding card. They are fee happy and the APR\u2019s are insane. I took a card at a promotion and it was a huge mistake. I have had the car for 4 years and not once have I ever been late or maxed out the credit limit. Well, this fall brought hurricane Irma to Florida and forced us into a temporary living situation for a month. We had to open a new banking account and this card and its $85 balance went 2 days past due. I called Credit One and let them know we would be paying it off as soon as the new account is set up (about a week). They said no problem and waived a late fee and said there was no payment due to November. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: df62857834fc4afb9752ddcdd448f7c5
encoding: FLOAT32
metadata:
{"chroma:document": "ON THE ADVICE OF LEGAL COUNSEL - Under the guidance of my legal representative I am presenting this document with the intention of presenting evidence in a court of law. It is unmistakably obvious that your actions regarding my account are either the result of your reckless negligence and unmitigated ignorance of how to run a company; more than likely, a well-organized, conspiratorial, fraudulent attempt to extort of funds with no moral or ethical compass and no sense of dignity or liability. I AM AN ETHICAL AND HONEST MAN!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 04d4c04a33cd4c8dbab80295ffe67460
encoding: FLOAT32
metadata:
{"chroma:document": "I am going to stick with the facts of my issues and concerns with the Credit One Bank. On Monday, October 16, 2017 I received an email from Credit One confirming the address change to my account. Red flags, I didn't make any changes. I immediately called into Credit One Bank told them about my email I received and the address change. The representative started to review my file, she looked into a few things and also went through my charges. She indicated someone called in over the weekend and made the address change. I immediately said, \"It was not me\", she didn't provide me with the new address but indicated she would place a hold on my account and I needed to verify with my family member who is also on the account. I made a quick call and verified there were no changes made by us and called back and talked to another representative who went into a little more detail. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8103bf7ebfc24ddfbdd7ae92f1bc3a2e
encoding: FLOAT32
metadata:
{"chroma:document": "10.27.2017 it is now 11:41 AM. I have called this business over 4 times. Every single call was a new answer. The Bill is due the 24th. I had attempted to make online payment 10.23.2017 but was returned to \"insufficient funds\" (which I have my statements and is inaccurate on their end). But ever since August when they tried to \"verify\" my bank card that I have been paying with since I FIRST got this card over 2 years ago their \"small deposits\" were not going through to my bank (I never have this issue with any other credit cards I have or any issues with my bank). The 25th was not my first time calling in and making an over the phone payment. When I do complain they wave the fee. You would think ever since they've been \"trying to verify\" my account they would notice something on their end was wrong or they would try to fix the situation instead of just trying to avoid it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc01533ebd61492da508d283c6bd5c24
encoding: FLOAT32
metadata:
{"chroma:document": "This is the only credit card account that I have out of 8 that charges $25.00 or even a fee at all for a card replacement after a name change (mine being due to divorce). That seems absurd to me. I would understand if it was because I lost the card or it was damaged due to my error but not for a name change."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b759452c14074c708a05001bfb34fd00
encoding: FLOAT32
metadata:
{"chroma:document": "I paid off this credit card and the moment the payment cleared my bank they suspended my account, claiming the payment was too large and I needed to provide a verification letter from my bank. The payment was less than $1000. I paid off two other cards with higher balances yet this was the first and only one to claim this none since. And they do not have a legal department. I believe it\u2019s time for my attorney to take action."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a643d6b252c248708963b769bc610476
encoding: FLOAT32
metadata:
{"chroma:document": "I received my Credit One card in August. I used my card the same day and was declined so I called. They told me I had a fraud alert and I needed to send my ID and As number in. I did just what they asked and now when I call they never have my information. I don't believe them. Before I was approved they already needed further information. I'm going to call fraud department today and I'm not getting off the phone until someone give me answers to why is my card still locked."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0685f859106f4a6ba37388b5e7936554
encoding: FLOAT32
metadata:
{"chroma:document": "I received a pre-approved credit card offer in the mail to my home address. Applied for card, received approval, and received card in the mail. One day after receiving the credit card I got a letter from Credit One indicating they need me to submit a copy of my driver's license to verify my address and that my card had been blocked until this info was provided. ** - YOU'RE THE ONES WHO SENT ME THE OFFER!! AT MY HOME ADDRESS!! You KNOW my address. So I called their customer service number. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f12bf4487464ee3b4eb6a509d3fd3c3
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with this company for about 2 yrs now... And had no real problems with them, until now. I recently joined with a new bank (how I usually would pay my credit card bill). I must have input the account info incorrectly so my credit card was never paid (I assumed it was because I had it automatically taken out of my bank account) so when it time to make payments again I called to verify information with one of the Credit One representative and they assured me I updated my account information and funds would be taken out. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bdedf0e575f84fbfae99ecf3c4eec801
encoding: FLOAT32
metadata:
{"chroma:document": "Be aware when applying for this card! It may say that you have a $300 balance but you actually have a $225 balance. Be advised that there is a monthly $75 \"monthly annual fee\" that comes out off the top which has you paying more than you use. I'm making my payment and canceling this card. Please choose another company!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5870c61d173435693e150594d6db61e
encoding: FLOAT32
metadata:
{"chroma:document": "One day I started getting calls from my vendor stating that my payments were not going through, as I use this card for my business and advertising. I went to log into my account and was not able to. I called the horrible customer service line for help. They would not listen to my story. They stated my account was blocked because hackers tried to pay my balance back up and it was declined too many times. With a completely different account than I have ever used or a checking account from a different person. My account was disabled, not because it was hacked, but because hackers \"tried\" to pay my card balance back up with another stolen card too many times."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc67c6eedfc049309d6ec082b99233b9
encoding: FLOAT32
metadata:
{"chroma:document": "They say no annual fee, but it's not true, it's $100. Charge lots of fees, horrible customer service, never increase credit even though you've made every payment and pay off balances. Unless you HAVE to get this card, I don't recommend it. It only helps your credit if you only use 30% of the entire amount available and you pay it off every month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3427593f46bd4710996474416a28a464
encoding: FLOAT32
metadata:
{"chroma:document": "After dealing with Hurricane Irma in Florida we called Credit One Bank on September 30th, 4:06 pm to request a grace period for extension of payments as we had loss of power for 2 weeks resulting in income disruption and unexpected costs. On that day a Credit One Bank representative told us that the company will allow for a grace period and that no payment will need to be made until November 9th and no late fees will be added."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 06e72f4d57b14f58bcc59ae76d6c6f75
encoding: FLOAT32
metadata:
{"chroma:document": "A few weeks ago I noticed my card had been compromised so I called them to let them know of the fraudulent charges. They sent me a new card and they did remove SOME of the charges but not all of them. The charges had amounted to well over $100 but they only credited me for $60. So I logged in (a feat in itself) to review all of my past statements. Of course, the website will not let me open any of my statements. It will \"say\" that I have but their site will not let me open, view or print any of my statements. Today I called to find out how I can get copies of my statements and was told I would have to wait until November because my account was new. I have never in my life heard of such a ridiculous response as this. They really should give the people in India better excuses. So I asked her if she could email the statements to me and, at first, she said she could. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd93c9306ec14739bb970bcc07eb67eb
encoding: FLOAT32
metadata:
{"chroma:document": "Never had any issues until today to pay my bill online. Called the toll free number to speak with a \"incompetent agent\" who could barely speak English. Had to give this person all my info, ss #, mailing address, might as well say my DNA. Long story short, I advised the agent, \"I can't make a payment online today since your website is down.\" \"Well it's up on our end.\" What a complete lie. My husband works in IT and he couldn't even access it from his end. Then I contacted my girlfriend who lives in Orlando, FL and she had the same issues. The agent said, \"We can allow you to make a payment on the phone, but you need to pay a $10 fee for this option.\" Said, \"I shouldn't have to pay anything, zero, nada, since your website is down.\" I hung up and will check back tomorrow to see if website is up. Very disappointed with the service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aaad0ba73f6043279eb3f842453da40a
encoding: FLOAT32
metadata:
{"chroma:document": "Please beware before applying for a credit card with this company. I have been in a very tough spot financially and resorted to applying with them, was approved with a $300 credit limit and figured I would keep the card tucked away for any emergencies that arose (medical, car, etc). Fast forward to exactly 30 days later and I still have not even received the actual card in the mail - instead, today I received a bill for $75 labeled as an \"Annual Fee.\" I was charged a fee for a card that I have not received, activated, or used."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac233ed55e0849ae8f2bee5787436d21
encoding: FLOAT32
metadata:
{"chroma:document": "I made a payment on my account in the amount of $375.41. I made this payment on October 5, 2017. Today is October 15, 2017 and I still do not have access to my funds. The company Blocked my card because they said I made a large payment. Now on the same day I made a payment to my Capital One credit card in the amount of $525.75 and didn't have any problems, my funds were available the very next day. Credit One always told I have to get a letter sign and dated from the bank showing I made a payment on Thursday. Please do not use them as a credit card company, consider using ANYBODY BUT CREDIT ONE BANK CARD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0ae951dd5a04a419b912abfb0919326
encoding: FLOAT32
metadata:
{"chroma:document": "I received this offer in September and was granted a card with $300 limit. Which is fine as I am rebuilding my credit. I used the card and decided to make a payment shortly a week later. I used the express pay option, using my checking account on October 2nd. The funds came out of my account on October 4th. On October 3rd I saw some of the funds were available. On October 6th I attempted to check my account to see if the remaining funds were available and received a message that my account had been temporarily suspended. I contacted customer service and was informed that I needed to send a bank verification letter. I initially agreed and asked for the name of the person, the department I was sending it to and the fax number. I was told a fax number and to send attention customer service and that my information wasn't going to anyone in particular."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8441054213d0438f958520821dd4f144
encoding: FLOAT32
metadata:
{"chroma:document": "This company charges you a monthly fee and also charges you a fee to increase your credit limit. The customer service dept is out of India and they are rude, abrasive and sarcastic. I canceled my card with them because it was expensive... fees, fees, fees! THERE ARE BETTER OPTIONS!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc6714abcab44814bd2f003da9f63d35
encoding: FLOAT32
metadata:
{"chroma:document": "After not being able to log on to their website I resorted to making my payments over the phone. They required 10.00 dollars more for a fee. When I lost my credit card they required a 30 Fee to replace. I closed my account on May 2017. Continued to make payments, after making my final payment on Oct 3, 2017 of 79.49 I had called them the day before to make sure there will be no late charge for being a day late otherwise I would be glad to pay 10.00 processing fee. They said, \"Your account is closed. There will be no fee.\" Payment was made. Account should have been closed. Now they say there is a 25.00 late fee owed and annual fee owed. And refuse to close account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4b1d4cc83fd24296bf0f5d74bf8c0c49
encoding: FLOAT32
metadata:
{"chroma:document": "Very frustrating. Every time call to get answers to charges does not belong me and everyday I have been calling, every time I called at least 45 minutes. They will put me on hold. They cannot answer to my questions. However, if payment is late they're very quick to call."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d89c800452044c28d8126995d67671b
encoding: FLOAT32
metadata:
{"chroma:document": "Is it possible to do a class action suit with these guys since they decided to suspend my account (looks like others also) without letting us know first? It was embarrassing when I went to make a purchase and the card was declined because of this. I had the available credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45b8452ef7ee49f29888bc7a004f64c9
encoding: FLOAT32
metadata:
{"chroma:document": "I can't access their website and now their app no longer works. It always times out. When I call them, they tell me I have to pay a fee to pay by phone. At their behest, I went paperless. So now I have to pay $10 to pay my bill by phone. Because their online and digital platforms don't work, it's my only option. They are scamming their customers!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 89050b764d6d4f4482a1e84b33c848b0
encoding: FLOAT32
metadata:
{"chroma:document": "Worse credit card company EVER! I recommend Not even my worse enemy to get this card. Made a payment on my account 9/21. 4 days later went to login to my account and found out it was temporally suspend. Called to find out telling me they need a letter proving it was me who made the payment, today is now 10/3 and my card has still yet to be able to use. Mind you I paid $200 for it and the extra to come out the next day. When I call customer service to speak to a manager he cant tell me why the bank (them) would do that?! Bottom line if you're thinking about getting this card save YOURSELF and the frustration. Their customer service sucks also. Not very servicey."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a9b66ee01ba45fa98f05b6cd8ba9fe8
encoding: FLOAT32
metadata:
{"chroma:document": "My complaint isn't about the card, it's the company that I have a problem with! If you are one day late on your payment, they will call you once every hour! And if you decide to answer for them, the collector will either have an attitude or will try to intimidate you into making a payment. Not cool, I'm very annoyed. Once I pay off the balance, I'm getting rid of the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56aab3eb4f2646e99f2069c5b3bab834
encoding: FLOAT32
metadata:
{"chroma:document": "Use the card to establish credit. When trying to make payments the website would always say webpage not available. When trying to make a phone payment that would even be made complicated so finally I was called to make a payment. Paid my loan in full and closed the account just to get another bill mailed to me regarding my account being open. Called again just to talk to some outsourced place. Said my account is to be closed and they said it already is, I said, \"Then why do I have a bill?\" Said it's closed. Asked for some confirmation number. Said they would mail me a letter. Just received in August. Now my credit score states I am delinquent on payments!! Never use this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e7b449125c25406d8624e58cdc8c6977
encoding: FLOAT32
metadata:
{"chroma:document": "I received this credit card at the same time Capital One was sending replacement credit cards with chips. When I received I didn't take a good enough look at the logo (they are intentionally deceptive). I put it in my wallet thinking it was my Credit One card with new chip. Go to dinner with friends, submit the card for payment - again not noticing it's not my Credit One card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cf44ea9f968b4a91988222227aa0ed45
encoding: FLOAT32
metadata:
{"chroma:document": "I have had the worst experience dealing with this company. I have had their card for over a year. I have always paid on time and even paid the card off on several occasions using the online phone app. About 45 days, I went to the online app to make my payment and noticed that my Visa card wasn't visible anymore. So I paid my MC bill then called to inquire about the Visa. The CSR on the phone informed me that my card had a fraudulent alert placed on it. I asked for details, they refused to expound and treated me like I was crook. The CSR told me to send them a copy of my Driver's License, Social Security Card, and any bill that displayed my address as long as it matched the address on my driver's license. I mailed these items to PO 98873, Las Vegas, NV 89193 as requested and waited 2 business weeks to be contacted by phone or mail. I never received any communication so I called to inquire."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 710f0f1f950c4163a27809b5a45bac4e
encoding: FLOAT32
metadata:
{"chroma:document": "First, I have no account with Credit One Bank but they have called me 13 times in the last 4 days. I have received several applications in the mail recently from them which I ignored so they proceeded with continual annoying calls. I don't know how they got my cell phone and other info but I am one of the people breached by Equifax so I suspect Credit One is in on that deal. I checked my credit report and it shows no inquiry from this company so they must have got info illegitimately. Now here is the most frustrating part. Since they called from same number 7 times in 24 hours, I blocked the number. I refuse to answer any number I don't recognize. I will call the number back to see who it is."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8c3d5c50f9f94c9db2023eacefe276d2
encoding: FLOAT32
metadata:
{"chroma:document": "Unexpectedly, Credit One Bank on 09/20/2017, decided in the middle of the billing period to change my MasterCard number. The billing period for my MC closed on 9/4. I had an extremely low balance of 2%. The problem that I have with this is, instead of changing the card number, they transferred the entire balance to a brand new account, with no notice so that I could pay the balance since they reported the new account's balance. I went in on 09/21/2017 to make a routine payment and found this out. I also have a Visa account that they did not change out due to the Equifax breach even though they both report to all the Credit Bureaus. The dropped my hard earned credit score from 732 to 662. I went from a Good credit risk to a Fair credit risk through no fault of my own OVERNIGHT. I literally was going to apply with my Bank for a new car loan today. I am hereby and officially screwed for about another month now. Thanks C1B!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e071e603ba3443b8c72ffe398b2db56
encoding: FLOAT32
metadata:
{"chroma:document": "It is my first month with the card and my statement reflected my minimum balance would be due on 16 September. I sent a bank to bank payment on 13 September and checked daily on my checking account if the payment had yet been deducted. Well, today is the 18th and I was notified the payment had been returned without any reason as to why."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a9a044fc3dc401ba57455869438a5f7
encoding: FLOAT32
metadata:
{"chroma:document": "March 2017, My account information had been compromised. I was assured the account was no longer active. August 2017, I sent a payment into the company to bring my account balance current. Needless to say it was applied to the closed account. I had contacted Credit One over a 3 week period of time and was told numerous times that the payment was not received. It in fact had been and was applied to the closed account, meanwhile charges are being added to my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 95d175963c1f414db5e9d2dc42bd50fe
encoding: FLOAT32
metadata:
{"chroma:document": "After not being able to access my account online for more than the first 45 days and calling more than 4 times. It wasn't until I refused to pay that I was finally able to log into my online account. I made my full account balance payment for $301 which included a BS late fee that put me over the limit. Plus $9.98 for express payment total of $311.98. After 2 days I found out that my funds would not be released because I chose to pay using my bank account info instead of my bank card. So I demanded a refund of my express fee. On the following day when I viewed my account again I then I realized Not only did I pay $311.98 but they charged an additional 9.98 fee. (they charged me twice) So I had to call again and after going in circles for about 30 minutes the additional monies was credited back as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60717592e16a40e1887a6376f6e682eb
encoding: FLOAT32
metadata:
{"chroma:document": "I got this credit card A $300.00 limit then went up to $450.00 in the first 3 months. Had this for about a year. I never was late with a payment. They wanted my saving account INFO as I was making my payments online then I got upset and paid it all off. It was $454.00. I made a Express Payment $10.00, another $10.00 fee and told them to cancel my card. I ask if there was any other fees? The customer service rep said no. Not that she could see unless a charge that I made did not go through yet. Well I had no other pending charges. The next billing statement I owed another $3.54. I sent a check to pay it off again thinking this nightmare was over. Well not. So today I get another bill saying I owe them 6 cents. This is on the interest folk of the $3.54 and they keep reporting this to my credit. Please no matter how hard of a pinch you're in stay away from this credit card company. Not worth all the hassle."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1cec2595c504c6a9c88a31fcc9f06f5
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{"chroma:document": "My late husband after he started paying back as student loans was offered several credit cards. He had problems with Capital One and HSBC. But Credit One did give him a card. The problem with them is that they bug you after you've had it for a while to increase your credit by about $24 or something close to that. Now the worst thing is that if something goes wrong and you call their number what do you get. I recorded message. You have to figure out how to get in touch with a human voice. No matter how hard you try it's recorded message. I did a little research and evidently Credit One is in the Philippines and they use the Las Vegas as their mailing address. The only thing good I can say about it is that when I reported to them that my husband had passed away they close the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1ea9b3d77a047ffb6aac08726b916d9
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for this card to help build my credit. Turns out it has done the complete opposite. I did not realize that within a few weeks you are supposed to pay the annual fee (even if the card was not activated yet). Once I did activate the card I went to the internet site to sign up. The internet site is nothing but a joke, when I attempted to sign in, it keep saying error and to try again later. 6 days of trying to establish an account to pay my bill. I finally contacted customer service and all they offered was to pay the advanced pay which cost 9.95. I explained that I would rather set it up online and he just told me to keep trying. I continued for 2 days till finally getting through to pay my bill."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1d690565b2684588b0a4044c282d82aa
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this credit card for a few years now; and I used to not have a problem making a payment online but over the last few months, the online site/app has just been \"dead\". Every time I tried to log in it would say there was a problem processing my request and wouldn't load any of my information. I went to make a payment and it kicked me back to the log in screen. Ironically, whenever I hit the customer service link to find a way to contact someone directly, it also kicked me back to the log in screen. I don't know if they just really don't want to help their customers because they know their site is messed up or what. In the end I had to call someone and make a payment over the phone with a $9.95 \"convenience fee\" so my payment wasn't what it was supposed to be but $10 more. That pissed me off. I live off a very tight budget and I know $10 doesn't seem like much to most people but to some, that's a lot. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6e0c90d0b9354accb08a72a9f3645a18
encoding: FLOAT32
metadata:
{"chroma:document": "I opened my account to improve my credit. I had been divorced and my ex had ruined my credit while we were married. This seemed like a good way to get it started again. I paid faithfully on my card, and received an offer for another. I took it, due to my kids needing some things, and my car suddenly needing repairs. Again, I paid for months in good faith, never missing a payment, and paying over what the minimum was. When I only owed a few hundred on each card, I made lump payments on each card, to the total of 1200 dollars. The new zero balance showed for a few days, but then reverted back to the previous total. Horrified, I called immediately. They told me that it was refunded to the originating bank, and that that bank was not approved for making payments. Which is ** because they were processing those payments for months, from the aforementioned bank. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec5a3f1814e444f08c996d3074084dc8
encoding: FLOAT32
metadata:
{"chroma:document": "Aside from all the negative reviews, I really haven't had any serious problems like all of the others on here. It does come down to really really keeping up with the account. There are some drawbacks though. The good experience is that I got a credit increase within 3 months. I didn't request they gave it. I also burn up the $300 credit limit and then pay it off or down to 30% or below before the statement so it can report 30% or under usage to the credit agencies, big time helping my credit score. So if you are not paying attention to your balances and when they report to the credit agencies then you are going to mess up your credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53d2488ce22b4d1f905c19e3b68a6a99
encoding: FLOAT32
metadata:
{"chroma:document": "This has to be the worst credit card company ever. I applied a year ago to build my credit paid on time the whole year. And now I was 7 days past my due date not 30 days late and they blocked my card, added a $25 late fee. After making the payment they charge a $9.99 fee for the transaction. I have to wait 48 hours to use my card. I have other credit cards and they don't do business like this. STAY AWAY FROM CREDIT ONE. I am in the process of closing on a new home. As soon as I close on my home I will pay off this card and closed this account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9eceb7dcd217446fb64e4d6ae836a5e7
encoding: FLOAT32
metadata:
{"chroma:document": "I made a payment using my CORRECT AND OPEN checking account for the full amount due of $2,700. I called to confirm this payment and they out and out lied about the checking account being closed. The idiots submitted the payment not using my full checking account number. Then put the blame on me refusing to cooperate when trying to make a payment by phone. I would recommend NO ONE EVER open an account with them..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7402b08bd9b746848377bd569126fc2e
encoding: FLOAT32
metadata:
{"chroma:document": "This is quite possibly one of the most inept credit card companies in operation. My spouse, who had an account with Credit One Bank, passed away in May 2017. After notifying customer service of his passing not once but four times - and after sending a copy of his death certificate with a letter stating the account information by certified mail - Credit One Bank actually sold my deceased spouse's information to a collection agency. I had to call customer service yet again and talk to a series of representatives who, with all due respect, don't seem qualified to handle the financial information of customers. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd97594708884c15b9222a732ad39eed
encoding: FLOAT32
metadata:
{"chroma:document": "I got the card, no problem. I used it, no problem. I made a payment in August BEFORE my bill was due, but because my math was off, my 120.00 debit payment to them was returned, \"insufficient\"... Okay, that was my fault. Tried to make a payment again... Cannot access my account. Have to call to make payment. Charged an additional 9.95 to make the payment over the phone. Still cannot access my account... Call customer service and that is when they told I cannot access my account because they closed it... Claimed that 3 payments were non sufficient. When I explained that it was only 1 payment, he stated, \"Well our records show three. Tried talking to the CSR and he was, to say the least, unhelpful. When I asked why they never told me that my account would be closed, he said, \"Why would we tell you that?\" Never again. This is not a good way to run a company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad53baa35a0a4bdea1e2a91fac04a868
encoding: FLOAT32
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{"chroma:document": "Closure of account with no confirmation or validation I contacted Credit One to ask why they never reported to the credit bureau of a decrease in balance. I asked why they only reported an increase in my balance. The representative never could explain why. I stated that I got this card to help my credit and this card has only hurt my credit. I have made every payment on time and I paid more than the minimum."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90a46ec3c2d44c929a4249a873161e05
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{"chroma:document": "They allowed a charge to go through 3 times that pushed my balance over the limit, it was attempted and declined then finally allowed after I decided to pay vendor with cash. The vendor reversed the charges to Credit One Bank and Credit One Bank still has not applied them to my account. It has been 5 months. I have been paying the interest on an extra $1500 of what should have been reversed charges. The robotic, script reading customer service representatives have not once given me an inkling that this will be resolved. I have faxed and emailed documents from the vendor and the vendor's proof of funds released to Credit One Bank. They deny receiving said documents. Meanwhile, it is wreaking havoc on my credit because I'm \"over the limit\" and I cannot purchase things on credit, or apply for a much needed loan. They're holding me hostage over $1500. I call every month and it's as if I'm calling for the first time. Very disappointing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62ef47056ceb471f944b18ea6b6e6004
encoding: FLOAT32
metadata:
{"chroma:document": "This company seems to be very sketchy. I received my card in the mail today and tried to activate it. I was told that I had to fax or mail copies of my driver's license and a utility bill to take care of a discrepancy involving my address. They said that Visa International was requiring the information. When I called Visa INTERNATIONAL I was informed that it was Credit One that was requiring the documentation. All I got was a big run around and a huge amount of stress. I closed my account after reading all of the horrible reviews on this site. Be aware of this company. It feels like a big scam and possibly a danger of identity theft."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ef7b2a8f41c4b768f1ea3678afcf5bf
encoding: FLOAT32
metadata:
{"chroma:document": "I had a terrible experience today with Credit One Bank after being a customer for several years. I was booking a tour while on Vacation at Cayman Island. My transaction is denied and after calling customer service and been told I was denied because I was outside of United States and I didn't notified them before my trip. I was told 3 times to wait 5 minutes and run the charge again. I ended up not being able to use my card for this purchased. Then I used my Amex card and like everyone knows no problem at all using Amex when you travel. They are without a question the best credit card company in the whole world. P.S. Can't wait to get back home to cancel my 3 accounts with Credit One bank. They are really the worst credit card company in the market."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 366a9d7ea9fb49df9f23c0da0a1d995f
encoding: FLOAT32
metadata:
{"chroma:document": "I have a Credit One Bank card and, was using it often to increase my credit score. I would use it and, pay it off. They only allow you to pay 4 times a month which I was not aware of. Last month they added charges making me 30.00 over the limit on the day they report to the credit bureau. They turned me in as a high risk to all three bureau's for having a 30.00 over the limit and, it lowered my score by 46 points. I have been fighting with them and got nowhere to remove it. When you call the person you are talking to is very hard to understand. I do not recommend this card to anyone. BE AWARE!!! #creditonebank"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 265b5e7f0c6847899dd5b75e5902688d
encoding: FLOAT32
metadata:
{"chroma:document": "Their business practice is by far the worse I have ever done business with. They charge exorbitant amounts of fees, and when you try to ask a question they divert you to many other depts. I would NEVER recommend this company. As a Business owner, I don't normally complain about another company, but my experience with this company has been so bad, I had to report it!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f783752eba6423996a4b53632347bed
encoding: FLOAT32
metadata:
{"chroma:document": "I was never late paying my bill. When the payment was over I got a email from TransUnion that my credit score went down. So immediately I contact TransUnion to see what have happened. As I call they told me that I have miss a payment so I contact Credit One Bank. They told me that the account was close and all the payment was on time that I did not need to worries about. It was a glint into the system. So 2 month goes by I got phone call from Credit One saying that the account still open when I was going to send the payment. I told them that the account was close. They told me that I need to pay $27.00 so I pay. Then a month goes by they told me that still open. I need to pay $39.00 so I pay. Then 2 month goes by it $64.00. I pay. The month later goes by I received a check for $4.95 refundable. I call them and they told me it was a mistake."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 633fefa5b85343d7a64a7fcc3c50bef3
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for this card to rebuild my credit. I was approved but never received an email confirming the information. I called the number I was able to locate on the website to inform my card was mailed and I should receive it in 7-10 days. I then received an email stating contact information change notification and if I didn't make the changes to account to call and a number was provided. I called the number provided and provided my name. I was asked my card number but I explained I have not received the card then I was asked for my social security number. I informed I could verify my last four but I am not sure if the email is legit so I will not be providing my full social security number."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 31d61deab72543ba9a5dfe2889faa5c0
encoding: FLOAT32
metadata:
{"chroma:document": "Got approved, card showed up. I logged in to set up payment info, used the card once and my account was locked after that. I can't pay or do anything and I have faxed everything asked for. Go with Capital One instead."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ccbc5acdf498440e8267d40b3a79b07a
encoding: FLOAT32
metadata:
{"chroma:document": "Signed up online to build credit. Sign up was easy, after receiving card. Made 2 small purchases. The website tells you that you cannot use bill pay to make payments so I decided to pay before my statement arrived. Online at creditonebank.com I made a payment and shortly after received a text that my payment was received. After 2 days the charge did not show up in my bank account, I went on the site again and paid for the small balance in full, same thing happened. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62aa721406cb4022a6601115080740f4
encoding: FLOAT32
metadata:
{"chroma:document": "We received an offer to get this card 2 months ago. Now we have received the first information about having 136 dollars of debt. $75,oo dollars yearly fee plus interest + interest, etc. The card never was used. When trying to access to the website was impossible. Does not accept username or password and does not allow to reset. I called them and agent tried to help me giving me some instructions like how many characters username and password should have. Did not work. He also tried to transfer the phone call to IT Department and was not possible. Finally he told me somebody will call me later to help me to access to the website. This is a fraud. I want to close the account but still they will get my money and the money of how many people in this illegal way? Who can help? Is there any organism which could help?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ec8c82bfb66417d86a1b547305726ca
encoding: FLOAT32
metadata:
{"chroma:document": "Opened an account with Credit One a few years ago when I first started my credit and after that I did not use it just because it doesn't have a great online banking option. This year I was in the process of buying a house and when I check my credit I saw I had a late payment. I'm a panic I called them to realize that they charged me a yearly fee and because I didn't pay that fee they charged me about 200 in fees on a credit line of 500 dollars. Literally in tears I called them. The first representative I spoke to transfers me and then hung up. The second one ** Linda supervisor was the rudest Person I have ever met in my entire life. She made me cry on the phone. She spoke to me like I am 5 years old and the more upset I was getting, the ruder she got. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: afd9ecf0f94f4631aeb9eadfbff356ba
encoding: FLOAT32
metadata:
{"chroma:document": "$8+ dollars a month in annual fee and $10+ dollars a month credit protection which I did not even request on a lousy $700 balance! I had this card for a long time, I have excellent credit with lines in excess of $11K from major banks with no fees. This card will be cut and in the trash it goes!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07fb9c288191488c9ac9f779d23e84f7
encoding: FLOAT32
metadata:
{"chroma:document": "My credit card due is always 7th of the month. I use my phone and always on the go and always on the 7th. It has been the 3rd time in a row that this website is not working. In making payment the system will then say update bank information with a small deposit as a testing amount. This being said, it will be 24hr before I could access the acct. I will then call and speak with most unhelpful pea-brains in their call center. First 2 scenarios I was promised that no late fee and no express fee due to their web issues, but yet after 24hrs my account occurred late fee. I will then contact anyone that could help but I get a NO with the answer, \"No record any agent waived any fee.\u201d Therefore, no integrity."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f12643b464074d4da65b0c260b4eced5
encoding: FLOAT32
metadata:
{"chroma:document": "I wanted to increase my credit score so I applied for this card in January. By May, I was starting to suspect that they were not very honest. I looked at my account one day, only to see that they were claiming that my March payment was made late, despite the fact that I made that payment on the 1st when I paid all of my other bills. They charged a late fee when the payment had actually been 2 weeks early. In June, I requested a credit increase and they told me that they don't issue credit increases on my type of account, whatever that means. I got an email in June, stating that my payment was late. When I looked into it, they had charged the wrong account. That particular account didn't have enough to cover the payment so that cost me $35 at the bank for a return fee and another $35 with them even though it was their fault. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d9c5711156d4e12b749645feea28b05
encoding: FLOAT32
metadata:
{"chroma:document": "I had to rebuild my credit so I got a credit card from Credit One in April, everything was okay, wasn't happy about the annual rate. They charged right when I got the card or the 9.99$ they charge you to make a payment by phone!! So I decided to download the app and make payments on there. I made two payments, never heard from them so I assumed everything was fine. Today I tried to get on my app to check my account and it told me it was locked! So I called and they closed my account because my payments were returned because of their app malfunction!! On top of that they charged me two 25$ fees for each on and late fees putting my account over the limit! I didn't receive one email, one phone call, one email, nothing! I haven't even received a statement since I got the card!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 49c233a213c7496c9710347982ad990d
encoding: FLOAT32
metadata:
{"chroma:document": "I received an application for Capital One credit card, but little did I know it was not, it was Credit One Bank which carried the Capital One Bank logo, and out of my total bill which was for lunch, the outstanding bill was $188.00, $75.00 was for the card use so therefore, my actual charges were a total $113.00. I paid the bill when received. Now, with them stating that they did not receive my payment, it was always late. I was charged and paid amount but, they then added an additional $30.00 for late fee. Not realizing calling them, I received a notice from Comcast asking if I wanted international calling service on my bill. I said No. I have no one abroad. Yes, I did, and little to my surprise I was calling India via their 800 number. My credit limit was suppose to be $300.00 and then they said $200.00. I told Comcast I told I had no knowledge that I was making an international call to India or Pakistan. I was now shocked again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 367843d3c9cb4f3f918384278a19a613
encoding: FLOAT32
metadata:
{"chroma:document": "From the moment I signed up for this credit card I have had problems. The website is always under maintenance and will not accept my password or user name. It will not let me reset it as well. When I call them, to try to process a payment they want to charge me $9.95 to process it. I refuse to pay that amount. If your website will not let me make a payment you need to process it for free. I usually get it for free after much protest. This happens all the time. I know how to use a computer but they tell me to clear all cookies and delete my browser history but I am fully aware of that. I cannot stand this credit card company and feel as if they're going the extra mile to rip people off."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2caf53c98f7b4d5d9ab7ff66015b855e
encoding: FLOAT32
metadata:
{"chroma:document": "Terrible place. Credit One is all about sharecropping. Their membership fees, plus interest and hidden charges make it almost impossible for anyone to place off the account, get out from under them & move on to something else. Recently I had my fill and decided to pay them completely off. I called to cancel the card & also to receive an exact $ amount for the payoff. (The due date was a couple of weeks away, so this was at the beginning of the new cycle)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 711bb63e81bb467d9a19abaa7e43fb1e
encoding: FLOAT32
metadata:
{"chroma:document": "I received an offer in the mail from this company and decided to sign up. This was June 17. I went online and filled out the application. The first thing I noticed is the automatic fill data when I went to put my address in. They had a former manager's address listed in Oregon as an option.... I'm in California. The only way they could have gotten that data was via Amazon when I purchased office supplies for him and had it direct shipped to his office in Oregon. They also had my current work address. I filled in my home address as the place to send the card and statements and submitted only this information. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 57facef459c74bdda91e3ab5834adc8e
encoding: FLOAT32
metadata:
{"chroma:document": "Please stay away from Credit One. They locked me out of my account for no reason. When I called their \"customer service\" the woman refused to let me in. It took me an hour of screaming at two people to finally get anywhere. This company is a sham. They will do everything to keep you from paying your bill. STAY AWAY!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c6b2016672843479d49d4a80f325eda
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with Credit One for about 3 months. The issues I have is, I can't get into their website to check my statements and I haven't received a statement in the mail. After thousands of negative reviews for Credit One, can't the ConsumerAffairs contact the Federal Trade Commission so they can look into all this?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf3222b8570a4947b4fea74a33dd0df4
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One has been reporting to the 3 Credit Bureaus and I don't even have a card with them. This has been affecting my credit since Feb. 2016. I have called and called them about this issue. Still has not been resolved. Today is July 26, 2017. I had to call again and was told \u201cNo ma'am we are not reporting to the credit bureau.\u201d The supervisor did see where I have not had any card open with them. Please be careful with these card companies. Even if I could I would not get a card with Credit One."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f2970e3918a4416e83cf05f7e2b531d8
encoding: FLOAT32
metadata:
{"chroma:document": "I have never been able to open my electronic monthly statements. There is no information on how to solve this problem. And the only phone number I can find is a recorded prompt and no option to talk to customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5daff05855db40be8e4c341f0ad0a9e9
encoding: FLOAT32
metadata:
{"chroma:document": "Trying to increase my credit score only to find out this company is a rip off. Opened account in May. Second week of June started receiving calls that I had to pay off my credit account in full because it was past due. I hadn't even received my card. The company billed me $75 annual fee and then charged a $25 late fee because the annual fee hadn't been paid. I hadn't even received a bill. Credit line was set at $300. I called and got nowhere with the person on the other end. I closed the account and now that will lower my credit score. Company is complete rip off. They will only make your credit score worse instead of better. DO NOT SIGN UP."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0bc8cb163a794dfa90c8cafaab08b74b
encoding: FLOAT32
metadata:
{"chroma:document": "DO NOT APPLY FOR THIS CARD. I made payments through app. \"Pay Near Me\" payments take 2-5 business days. After payment is made, Credit One Bank will not credit your account until 1-2 days before your scheduled payment date. You cannot make purchases, it will decline due to credit limit balance due. Regardless how early you zero out your balance. They require a expedited payment to immediately credit your balance and free up card purchases. But you have to pay for this quick balance credit per single payment transaction. I will zero out my balance, cancel the card and give a big ** to this credit card business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f7b75d5dbd7e46798ea052f01252c03b
encoding: FLOAT32
metadata:
{"chroma:document": "I'm in the process of \"rebuilding\" credit. Unfortunately I applied for this on the internet, not realizing that there would be a $75 \"fee.\" They sent me a card, and I didn't activate it. Notice after 14 days it would be automatically closed. I got billed for $75 on a card I didn't even open! Went online and paid it after I called 1800 number to activate this. I should of stayed away from this company! I changed my mind about having it, and I don't see any way to close the account online."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfb5c5358ab144f8a1d6f30ae4055fba
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this card about 8 months because I desperately needed a credit card to help me out while I was on Maternity Leave. I've been paying my balances since January and the numbers look EXACTLY the same. It's like I put no money to it!! They've locked me out of my online account TWICE because I've made two payments of \"insufficient funds\" & I just finished speaking to a customer service associate about it and she was NO help. Now in order to get my online account back I have to write a LETTER to their corporate store in Nevada. Do yourself the favor and stay away from this company. Their customer service offices aren't even in the US and they can barely understand you sometimes. They're absolutely awful. I've already told them I'm closing this credit card the second it's paid off."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2eb2562b106c4183bd9621a842093049
encoding: FLOAT32
metadata:
{"chroma:document": "This card was paid in full last year. I continued to pay the monthly service fee. What a mistake. I should have canceled as soon as I had paid full charges on the account. Card is not used until about February 2017. By whom I have absolutely no idea. Charged by some company I do not know. For products I have no idea what they are. Most banks/credit cards you can report such things on their website. Not this bank. I had to write it, explain the problem. It was sent to the address listed on their website for fraud problems. Sent the first one, never heard back. Sent a second one with cut up card and asked to close the account, received letter stated they had no idea what I wanted. So I was to send them another letter with my problem and details. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5ef9a8ffd9141b9be5a4fad7ad33aca
encoding: FLOAT32
metadata:
{"chroma:document": "You will have the available credit at 300 your card will decline still. Every single day my account access is disabled, if you make too many purchases 3-4 they put your account on a hold, I have to call at least 3 times a week just so I can view my activities, check my balance, or make payments. Waste of time. Get a Capital One secured card 0% annual fee, $200 credit limit, interest fees are nothing, just a $45 security deposit that you can get back if anything, just make sure all payments you do with capital one is certain. If you have two return payments they will automatically close your account. DO NOT GET THIS CARD!!! I REPEAT DO NOT GET THIS CARD!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bbd2ec732cf9436ba366901d376a32f8
encoding: FLOAT32
metadata:
{"chroma:document": "I didn't want to get this card to start my husband's credit, and I regret getting it now. I make the payments on his account. It is RIDICULOUS to have to pay extra to process a payment sooner. Every credit card I have had posts the amount immediately without having to pay extra and funds are available the next day. But not with Credit One. They charge $9.95. And if you do a standard payment, funds are not available for 5 or 6 business days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca4d6c72b15747ec869a9af263f555be
encoding: FLOAT32
metadata:
{"chroma:document": "After I got the card, I went to make a payment. I selected the Express Payment option and typed YES in their confirmation screen to pay it. I *thought* it went through, but it didn't. A few weeks later, I got put on the callbot again asking me to pay my balance -- to which I replied I had already paid the balance in full weeks earlier. Nope. And guess what? It went past 30 days, so they reported a late payment on my credit report. I have other cards and I have never missed a payment, so this report dropped my score nearly 90 points. I was shocked. I disputed it, asked for a goodwill adjustment since I paid the balance in full, only to be given generic, robotic responses that didn't even address the issue I had on their website."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a2d28ced5ecc4e8d900d065682a021d3
encoding: FLOAT32
metadata:
{"chroma:document": "This place is a joke. I attempted to make an international purchase, it was declined. I contacted customer service, which are extremely hard to understand. I advised them my card was declined, they removed the international block. I used my card immediately following the phone call and it worked. I then received a message that my card had been placed on hold due to \"suspicious activity\". I contacted them again and the suspicious activity was the very charge I made and the one they allowed from having the international block lifted. They advised I needed to mail a copy of my driver's license, not scan and email, but physically in the mail to \"confirm\" the account. On top of all of that they want a annual 75.00 \"service fee\" for a card with a 300.00 credit limit..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5fd776a38b1248f19591c6fefe9d9910
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer for over 2 years. I recently was asked by an employee why haven't offered me a credit increase. The process fee of $24.95 was never refunded after I was denied a credit increase. I was told this was a standard business practice. Before you accept a credit increase from this company please make sure you check your credit score and make at least $1200 dollars a month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 059dde5447144ce1bb557e5c55142f18
encoding: FLOAT32
metadata:
{"chroma:document": "This company does not allow the option of scheduling a payment ahead of time as every other reputable company does. Obviously, this is for the purpose of hoping payers will miss the due date and end up with a late charge. I adjusted to that, though, and made the payments the date they were due for quite a while now. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09d2d303e2894635af952d821ca37ac3
encoding: FLOAT32
metadata:
{"chroma:document": "Now when I first got this card, I really thought it is was Capital One... I only had the card for three weeks and I'm ready to pay if off and cancel it. The payment options are very confusing, the automated phone system is bad... and I'm just not satisfied!!! So to the Consumer Affairs can you please help me in this terrible situation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6f12ca360b8408c8477196e7a6d3b6e
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{"chroma:document": "In my very brief stint with Credit One Bank I have had a few experiences that words cannot express. From being told it's my fault my additional card hasn't come in and now having a bunk computer because I cannot access their website. I have payments due (never been late) and their website is non-responsive due to their server issue. I reported the issue with Credit One and they proceeded to tell me to reset my username and password because my account is somehow \"locked\". Their customer service department is so out of touch with their creditors it is unreal. They cannot even comprehend the concerns their card holders bring to them and have nonsense type responses which prove they have NO IDEA what people are trying to convey to them!!! So damn angry with this company...or lack thereof."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4443a50f4617429b829e4b0050421a51
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{"chroma:document": "Credit One Bank is a buyer beware credit card. There are many other better cards for restarting your credit. Payment of the express payment fee does not result in next day available funds. IN FACT expect to have your funds held for an additional week after having the funds removed from your checking account. YOU ARE GIVING THEM A FREE LOAN AND YOU ARE PAYING FOR IT! No amount of complaining or advocating for yourself results in a solution. After nearly an hour of calls, the concern was heard but the outcome was hardly a resolution. DO NOT USE THIS COMPANY. It's your value, your time and money"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 35b9ee1b8f8c4358bd8e8d6b2214f3e0
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{"chroma:document": "Let me start by saying that I had to call and ask for a statement 3 months in a row. Today I was paying my bill and noticed a $25.00 late charge. I checked my online banking and the payment was received on time. So I called and spoke to foreigner and was told I shorted my payment by $2.00. I told them that was the stupidest thing, all for $2.00. I told them to close the account. Now, I admit that I shorted the payment $2.00, but I have some vision problems due to a stroke. All they had to do was increase my payment the next month by the $2.00, and I would have been happy. I would also like to know what part of the world their customer service in located. Because the 2 people I spoke to today were very heavily accented. They DID offer to waive the fee and some of the monthly charges, which I accepted. But the whole thing really ticks me off."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: adb2d14277e649ad8259b7f0795c3d8c
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{"chroma:document": "I received card in mail. If I applied... show me an application. No mention of \"Annual Fee\"... credit limit $1000.00. I foolishly used it. 2 weeks after receiving card I was assessed a \"Late Fee\"! That's when I knew \"Credit One\" was TROUBLE! I cut up the card... paid for my purchases and the interest. I told them verbally while supposedly being \"recorded\" and sent them an email stating I was no longer a customer of theirs and that I had \"cut up\" my card. Since then \"my balance\" has gone up to nearly $400.00 because of \"Late Fees\". They've ruined what was a very good credit rating. They called daily... many times each day. It was of no use to try to \"block\" them. They have an endless supply of American phone numbers from all over the country."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f23b4093afc744abbc23628798d0b876
encoding: FLOAT32
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{"chroma:document": "On a number of occasions they would decide to put a block on my card if they felt the gas station wasn't in an area that isn't safe. My payments were consistent and they are not trained correctly and absolutely the managers they have are rude and complete liars. They treat their customers like crap. I would never recommend to my worst enemy to go with them. Very inconsiderate and unprofessional. Best thing I did was close my account. They are one big headache and they say they answer calls 24/7 but in the middle of this so called manager pretty much trying to cover her but because I caught her in a lie all of a sudden hung up. I call back and then was told their closed. Crooked. Not worth the hassle."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61fc4eba6edb4a66871ed99a8231d9f6
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{"chroma:document": "I fell victim to the lies and crappy promises made by Credit One Bank. I was a customer for 1 1/2 months. They gave me an initial credit limit of $1,200.00. My credit rating was over 670 at the time. I went to visit my mother who was dying and I sent them a fax about my urgent trip, also a letter and a phone call as well. I was assured that there would be NO problems while I was away if I had to use my card. While I was away dealing with the death of my mother, a supposed fraud dept rep called me. I assured her that I was in possession of the card, and she assured me that they were concerned about a specific and suspicious transaction. I told her that I indeed had made the purchase and she told me \"thank you for verifying the transaction.\" I asked her if there were any other problems with my card and was assured, \"No.\" I went to come back home and found that they had reported my card as stolen. I was arrested and put in jail, out of state."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b98ad76f1c43408bbf6fa6f874e1d104
encoding: FLOAT32
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{"chroma:document": "I called to cancel my subscription since they charge an annual fee and I don't need the card anymore - they cancelled the card then six month later they called to say I was behind since they started charging the fee again - I told them to cancel it again which they said they would but they wouldn't remove the annual fees so I had to pay $24.95 for nothing - what a ripoff!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f6edc902532244c58abc8e504a418002
encoding: FLOAT32
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{"chroma:document": "I tried to setup an account online. It actually turns out I was able to, but the website had said it didn't work a time or two. I asked for them to email my password, but that didn't happen. I had wanted to pay my bill from my bank online. I did this about a week before my payment was due. I then thought my payment was due on the 26th, but it turns out it was due on the 22nd. I had planned on calling in and paying it by phone. Of course, you are charged a $9.95 fee for this. On the 23rd, I got a phone call that my account was delinquent and asked if I wanted to bring it current. One day. I was charged $25.00 because there is no grace period. Again, I truly tried to set it up to pay online and spent a lot of time trying to do that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1dc968621c54a04a21b1d8ff1728e3d
encoding: FLOAT32
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{"chroma:document": "They want their annual charge right away. Even I didn't use the card I was charge a late fee for annual fee. I don't have opportunity to use the damn card yet. Customer service was horrible...so I paid the whole thing and shredded the freaking Credit One Card. Hello people...do yourself a favor...if you want to open credit card do not consider Credit One. Try Discover card or Citi card. I have been using Discover card for awhile now and satisfied with them. Again do not consider Credit One cards. I think they are a fraudulent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eec82ba04d5b4303a64c224b3cfa4444
encoding: FLOAT32
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{"chroma:document": "I got this card almost a year ago to help rebuild credit. I read the reviews. I used the card responsibly. I made payments on time. I check the balance today and it is over the limit so I called because the information online showed nothing. I had not used this card in a month. Credit One Bank has two payment options. Standard is free and posts in five days. Express posts in a few hours but will cost you an additional 9.95. I chose standard as my due date was still 3 weeks away and made more than the minimum payment. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d7fbea678d94e399d4c1e1a402068c6
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{"chroma:document": "I'm so mad about this card. Me and My husband had for only 2 weeks, I use and I decide to pay off yesterday. Ok To make the express payment they charge you a fee (for you to have the credit available next day), so I pay the fee and this morning the available credit is not available! LIARS!!! I pay extra for nothing! I call customer service and the people are not from here, I couldn't understand the girl and she couldn't understand me, probably from India or other country. She told me the balance will not be available for 5 more days because I pay using my checking account. THEY STEAL FROM ME FOR THE EXPRESS PAYMENT and that's it! THE WORSE credit CARD EVER! Don't do it!!! I will wait for the credit be available and I'm calling them to cancel this card!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: efde8d6024fc47ccae0aca791dd3855c
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{"chroma:document": "So even when you pay off your balance (had a 0$ balance for 5 weeks) you still get interest fees from when you had a balance... How does that make any sense. Cancelled the card immediately and STRONGLY ADVISE AGAINST DOING BUSINESS with the CALL CENTER OUT of the US that reads from a screen and is NO HELP at all..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5cd7afc6cda54bc9ac5ffc6d2c18ffb5
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{"chroma:document": "First of all is the same as the other's reviews, basically same problem so this is my nightmare. I got a credit line with this \"bank\" and been used for the last 5 months just 30% of my line of credit which always paid the full amount, a month and a half ago I replaced my Chase debit card because it was cracked in half, so when my Credit One Bank bill was about to be due I tried to pay online. Their system constantly was frozen and don't accept all the numbers I was putting in to. After the third attempt finally! It went through. I paid my full balance so after a month and a half I didn't use it until last week. I tried to use in Best Buy and declined, I called immediately Credit One Bank to find out why it was declined. I just wanted to know an explanation, customer service horrible. A person that don't know how to explain why! And barely speak English nor Spanish."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6972c7f1dff5431995f8152f3ad11900
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{"chroma:document": "I have an investigation on my account and was told that it had been resolved and that my refund would be mailed to me. Three weeks later I called to check on my refund and was told that it was just mailed out. When I asked to speak to a manager I was placed on hold for almost an hour. All of the representatives are from the Philippines so there were language barriers. This is the worst company ever!!!! I would not recommend this company to anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 986c5bc2df41404eac78307b510ffba8
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a Credit One credit card. Can't believe it takes 3 weeks to receive the card. Customer service reps sucks, they keep telling me lies about when my card will be shipped. I'm really thinking about canceling my card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a587df872aef420283004709313e7042
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{"chroma:document": "This will be my first review for Credit One Bank. I will make another review once I have used the card more. First: I applied for a Credit One Bank credit card and was approved on 06/06/2017 for the Credit One Bank Platinum Visa. Right from the start it informed me if I chose a certain type of card design I would be charged a fee of $6.95. I was okay with that. So I chose my design and waited for my card to be sent. My card was shipped on 06/16/2017. Website stated it should be there by 06/26/2017. I received it by 06/19/2017. I think where the problem starts with certain people is they do not read. I said certain not all! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 820630ff569e49859e4f3eeff9fe4cc2
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{"chroma:document": "This is the absolute WORST credit card company! Nobody speaks proper English, website is always having issues when making a payment, they charge a ridiculous annual fee, and the last straw was I made an early payment (before my billing cycle ends) and they tried to charge me a $35 late fee. If you are not diligent about checking your statements with a fine toothed comb, they will rob you. BEWARE! I needed this card 7 years ago when I was rebuilding my credit. I now have a 750 credit score, and am closing this account for good."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3ff4e84b801439eb8ec1863c4d593a3
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{"chroma:document": "I am sick and tired of Credit One. I received their card one year ago. I have always paid on time and for the most part more than what was asked of me. I have countless times asked for a credit increase. My initial credit was $400 and this is after they deducted the $75 annual fee. Credit One keeps refusing me of an increase, they send a letter in the mail stating the reason I was denied was because I have had their card less than one year. Okay, so today I call and the representative Olivia which sounded like a robot rather than a human tells me \"no that not so, we get credit, one month, three month, six month.\" I said this isn't so, and I am sick and tired putting in for an increase, then seeing on my credit report hard inquiries. This card is ** and so are the representatives. If someone pays on time, they should be entitled an increase without all of Credit One bs stories."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I received a letter I was preapproved. I applied and was told everything was approved and I would get my card 7-10 business days. 15 business days later I did not receive the card. I called them they told me give it a couple more days. 3 more days later I got a bill for $45.00 for something I never received nor activated. I called them to cancel altogether as to me this was a sign. The representative a foreigner told me he will cancel my account and credit my account for $25.00 and I would only owe $20.00. Oh yes I told him that was unacceptable. I am not paying anything for something I never received. He recanted his statement. Confirmed he canceled my account and credited it to $0. I have good credit. If this goes on my credit report I will be very upset. Beware do not get a Credit One credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: df3e384e845442b48a5899a4a2d8f875
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{"chroma:document": "This was the first card I received after my credit went to crap from when I lost my good paying job and had to take work paying half the income I used to make. Anyway, this is a subprime card and I understood that the interest rate was high. They also charge an annual fee that you can either pay each year in full or they will break it up and charge you each month for 12 months. I almost always pay the full amount I use each month. Sometimes I don't. I look at my statement and make sure the interest rate calculation is according to my rate for any balance I leave on the card till the next month. They've given me two increases but you have to for it. I think it $24. It's been worth it for me and it help me establish my credit enough even though I have several bad accounts on my credit report as I'm still digging myself out of the debt from when I lost my job. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I applied for a credit card and I know I have a fraud alert on my report. So when I finished my application it said \"pending for additional information. You will receive a letter shortly requesting additional information.\" That was on June 6. Never received a letter requesting anything. So on June 15th I got a letter in the mail that was dated June 8 declining me because I have a fraud alert and they couldn't reach me via phone. Are you kidding me. When did a letter become a call. So I called them and their customer service are all idiots, all of them said including a supervisor \"we're sorry but you can apply again after 30 days.\" Why would I do that. You all are the idiots not me!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "My whole credit history is so bad, that I have had to file bankruptcy! As I have moved on, to rebuild my credit history and score. I have a credit card through Credit One Bank. First they started me out with only $250.00 credit line. I made my payments on time, and without asking for a credit line increase, I now have a $500.00 credit line. If this is as high as my credit line will go! I'm very happy about it. Now I have a Capital One Quicksilver, with a credit line of $500.00 also! And just a month ago!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 389e83a11f1f4316a9b9b7271e5db2b6
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{"chroma:document": "I'm so sorry I applied for this credit card. You have to pay to make a payment $3.99. This is horrible. When you mail in the payment they are getting it late. Plus when you make a payment online it takes 5 days to post they are do not give you credit on the day you make payment causing it to be late. Unhappy customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c7e2f33bb944d73b87a3093a8ba7f0c
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{"chroma:document": "I tried logging in online to pay my monthly bill. I was locked out and my account suspended. I called to get a new password. Only then did they notify me that they had shut my account down because my card was used near Los Angeles, CA on the 5th of this month. It was the 14th when I called. So 9 days later and they hadn't called, emailed, or done anything to notify me of this. WTF? I will be closing my account down after they send the new card. How do you not call?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have used Credit One for almost five years and despite minor issues I have never had a problem until now. Their website's log in expires every 30 days (a serious flaw) and you have to re-set your online log-in/password every time (using your credit card numbers). I misplaced my credit card right before a European trip and I called to let them know that I couldn't find my card to pay my credit card. I asked them to grant me an extension and re-send the card. Total nightmare. I kept receiving harassing phone calls for payment. When I called again to tell them that I thought an extension had been granted and that I was waiting for the card, they had no record of it in their system. This happened three times. As a result my payment was delayed by over 30 days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60937349a9b5465ab72e9885bc88f8b3
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{"chroma:document": "I will start this by saying I have had my Credit One Platinum card for about five years now. I have lived at the same address for three. I logged into a third party credit monitoring service I use and found out that Credit One closed my credit line. They did this without emailing me, without mailing me any notice, or calling. When I called in the rep told me to verify my address for identity purposes so I gave them my address. Three minutes later, when I was able to ask about why my account was closed without my knowledge they said it was because of an address discrepancy and that they tried mailing me notification... They had my ** address on file to verify my information... Both in the online account center, and at their office. There was definitely not an address discrepancy, and they email me my payment confirmation every time I make a payment. Poor company structure and organization is what caused this issue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8350e98969a94daf8aa5b53927e3c328
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{"chroma:document": "They promise to report to all three bureaus, but they do not do this on time or accurately which made my TransUnion score lower than the others. When I called them about it, I spoke with a woman with a heavy accent who was difficult to understand, and told me I would have to write them a letter. Further, they make paying the bill difficult, and hold your payment for a week before adding it into your balance. If you want to pay immediately they charge you ten bucks. I will leave my balance at zero because canceling your credit card also lowers your score."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 274fc9e46b6042d6aa05744098410ed8
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{"chroma:document": "I had a return check I will admit was my doing. Paid my bill with the same checking account again, my money was in the bank. They return that payment. Also was wondering why my check had not cleared, payment still in bank. They closed my online account. I have called them numerous times to open it back up. Was told that they could do it in 2 to 3 business days so I could update my checking account to make sure it's right. I had to call them again today because it was not open, was told they had to verify my checking account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 152da37f6a3540b589f3440e70e843cd
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{"chroma:document": "Seeing a lot of negative reviews for Credit One Bank's credit card and I want to say that it isn't that bad at all. I have had one for 9 months without a problem at all. I have even had my credit limit raised by them from 500 to 800. Yes, it is for rebuilding credit and geared towards low credit score people but so what? It's not their fault they have to have high rates because people's credit scores are bad and they are taking a risk. This card along with a few more cards have helped my score from the 529 it was 10 months ago to a 648 it is right now. All you have to do is pay on time the minimum and that's it. At their website, I have registered and logged on all the time without a problem. Even their phone app works like a charm. Some reason it won't work on my computer at my job but I do use a ton of open applications that slow my internet down but no problems on my laptop at home or the desktop."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce69cd52326e48a2b1e925b385ab3fa1
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{"chroma:document": "They claim the fee is $9.95 to process an express payment. So, I agree and my payment amount plus $9.95 is processed and withdrawn from my payment source. I'm checking my statement, and I also see a separate express payment fee charge to my credit one account for ANOTHER $9.95 a couple of lines under where it shows my payment amount WITH the extra fee they originally took! If anyone out there has used this \"service\", check your statements against your payment source statements. I bet you see the same thing. The fee they claim is $9.95 actually costs $19.90, and it's going to cost them more. I'm closing the account today."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a77aa6fe7dd54ce58af82528a710c8da
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{"chroma:document": "Got my card and charged $141 to it then was immediately blocked because of \"suspicious activity\". Fair enough. Security is a good thing. I called customer service and was told they'd lift the block. They didn't. I called back two more times and was told each time the block was lifted. On the fourth call I was informed the block could only be lifted after I submitted ID to them for verification. Okay, fine. I wish the first CS rep had told me, but okay. So, I send my ID and call back about a week later and was told they hadn't received it yet and to call back in a few days. I call back three days later. The CS rep informs me they did receive my ID, however, they can't accept it because it's expired. (I don't drive anymore). I requested to close my account, but couldn't because of the block. I asked what I could do to get the block lifted and the CS rep finally agreed to accept my social security card for verification."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d7b4743c8364a43894c5c205ef38daf
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{"chroma:document": "This credit card is a joke. They will ruin your life. The interest is too high. Most of the time you get a representative in India and they are rude and call you all day every day if you're late 2 minutes. If you are late one day on your payment they will cancel your card immediately without any notice and we'll put it on your credit as a delinquent payment within 2 weeks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f000a3dfa664d19858053a861148800
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{"chroma:document": "I've just recently got this card and I am rebuilding my credit. When they gave me the offer I read the reviews and was scared. I decided to just go for it. So far so good. I've already gotten a credit increase. No charge. I stay with a paper bill and mail a post office money order for the payment. I avoid the app and website altogether because of reviews. That did declined a purchase one time but when I called verified some questions it's been on and cracking ever since. SO BIG UPS TO CREDIT ONE. THANK YOU FOR THE OPPORTUNITY TO GET MY CREDIT BACK IN ORDER BY OFFERING ME CREDIT???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Should I give them even one star? I think there should be something lower than that. I don't even know how to describe my experience with this bank. This is the worst \"bank\", I mean the worst scam organization you could ever have to deal with. It's a big NO NO for anything that's labeled Credit One Bank. Take my word for it. I just paid off the balance and got rid of that nightmare. And guess what? I have had that credit card for less than 5 months and since day 1 it's been a nightmare, I mean not even one good experience, that's right, not even ONE good experience with them. I learned my lesson!!! It's pain in the neck even to pay them. Customer service sucks, credit card sucks, everything sucks!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60b9fc232c314837adc4b50799f906b1
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{"chroma:document": "I've only been on the first page of the reviews about Credit One bank, but I sure wish that I read before signing up because if I had I would not have. My experience is not as bad as most, as I canceled my card after making my first payment. I received my card and was able to use it just fine, but when it came time to make a payment things went south quickly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97ab967ec2ac4e1199c3478253a2c61a
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{"chroma:document": "I often try to pay my bills online using their website. It is often down and you'll receive a message that reads, \"Technical difficulties\" or something along those lines. I tried so often one time, that by the time I was successful, the payment was late and it was entered as late on my credit report. I called them and they said they would correct it. As of today, it is still entered as late on my credit report. I have 8 other credit cards that have a perfect payment record. I used this credit card to re-establish credit after my divorce. I'm going to continue to use this card, but I have something up my sleeve where I will use them and it will cost me little to nothing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1f369aa95cd4f8b96dd9faf601aded9
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{"chroma:document": "I have been using this card to lift my credit score and have been paying 1 month in advance of all my payments to be flawless to avoid possible interest rates accumulating. However, one day as I looked into my statements, they have been charging me Interest on my spending when I was paying my credit card off almost twice a month. I called and found out that the interest APR, is calculated for Daily purchase. So basically, if you buy something now with the card YOU'LL BE PAYING INTEREST ON IT for the DAYS that goes by until the day you pay it off. WHAT KIND OF FRAUD IS THIS???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23419296774c47bb98ffafb0f304e5a9
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{"chroma:document": "I had my card for two years, as of this morning. This morning, I received a call, from Credit One, informing me that my card had an overdue balance. I told them that it was impossible because I had recently paid my card completely off in April. I then asked when my last purchase had been made and the representative told me that my last purchase had been made in February. He then informed me that the card came with \"annual monthly payments\" of $8.50 a month, as I had agreed to in the contract. I had never agreed to this. I then informed the representative that I would like to cancel the card. The representative then informed me that I would be charged an additional fee of $8.25 to cover \"credit bureau fees\". After agreeing to these conditions, I was transferred to customer service, and I'm pretty sure that I talked to THE SAME EXACT PERSON, but with a different pseudonym this time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f8579ab9f0864dfab8ca9d36b5ddb565
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{"chroma:document": "I went to check my bank account and all my money was gone. Credit One took a payment out for the entire balance, with an express payment (9.95) no less. Trying to get someone to help me was impossible. I called 4 times and got different people with different answers, which none were of any help. I finally just borrow the money to get me through and told them to just cancel the card, which they didn't. I had to call back again and have that done. PLEASE DO NOT APPLY FOR THIS CARD - THEY TAKE YOUR MONEY AND ACT LIKE YOU MADE A PAYMENT. Why would I clean out my bank account and give them all my money and my rent money. I see from other reviews they have done this to others. Beware!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d6d763abd8d44113815a9f763b4616ca
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{"chroma:document": "I wish I would have read the reviews before signing up for a credit card with this company. I have a Capital One credit card and have had no issues for 3 years. I received a credit card application from Credit One Bank. I followed the process and was sent a card in the mail. I activated the card over a month ago, but NEVER used it. I received an email stating I needed to make a payment on my credit line. I log into my account and see I owe a balance of $101.54 for a card I have not used. As I am frantically going over my statement I see I was charged a 75$ annual fee for signing up for this thing and a 25$ late fee plus interest for not paying the annual fee just DAYS after getting it. Total scam. How do I close this account after I pay off (I was ripped off/robbed) this balance?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23dbb6d9f96846658d989ec1af81edb6
encoding: FLOAT32
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{"chroma:document": "I had a Credit One card like everyone to help build my credit and because a lot of problems with this card which it can't be solve I close. First they said they would give me the money back of a fee they charged. They were supposed to give 15. They're so miserable that only gave me 7. Ok I let it slide because for me to get that fee back after it were their mistake. I had to speak with the manager who never wanted to talk in the phone and sent someone to tell me that's ok. I closed the account, went online, paid half, and one month other half. In the next month account was close. Can't used it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2659ce57c6854fbdb1f8031326b07e65
encoding: FLOAT32
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{"chroma:document": "I had a fraudulent charge on my credit card. Called and spoke to offshore rep, they wouldn't remove immediately, pending a 7 to 10 day investigation. He was to block the card and send me another. 5 days later I call to check the status and nothing was done. They claimed there was a discrepancy with the call. Fraudulent charge went from pending to posted. Escalated to manager, senior manager, and finally was transferred to the corporate office in Las Vegas. Las Vegas rep was actually in Las Vegas and very helpful. This was after 50 minutes of being transferred, but nonetheless, very helpful. The representative in the corporate office was nice and polite and understood how frustrated I was."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b9893b3137824cd98eebc834caf6bc1f
encoding: FLOAT32
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{"chroma:document": "If you are like me and pay off your credit card every month - you will still be charged interest here! Any transaction is subject to daily interest charges. We opened this to use at Costco only and I recently found out I was being charged interest even though I was paying it off right away! In a month I did not use it? I was charged an \"annual fee\" that is billed monthly (???) and the interest for that annual fee! DO NOT OPEN or CANCEL YOUR CURRENT CARD! Customer service was a joke. Couldn't explain it. (That's because it doesn't make sense.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 082904b09b7640109237cadf639bc068
encoding: FLOAT32
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{"chroma:document": "Found out someone used my credit info to obtain Credit One Bank credit card. It was late many time I found out when checking my credit report I contacted them. Some person from INDIA was on the line told them it's not mine someone used my name and info to obtain the card and I did not live in Tucson AZ, I live in Phoenix. They said they will send me a fraud application, did not receive one. I called them again and told them I never opened this card and asked for the charges. Never received them then. I told them, \"If you look on my credit report I have never been late in any of my payments and why would I take out a 1000 dollar card with high interest rate I have credit of 11,000 on my other card?\" No help and now trying to get it off my report."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 42dce1a4a9fc41b4ba4c64d728e117a1
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{"chroma:document": "My fiance' got a letter in the mail that said \"pre approved\" for 0% APR for 12 months on purchases and balance transfers with a credit limit up to $3000.00. So he went to the site and put in the \"Approval code\" and his SS like it asked. Then continued the short application. After that he had to wait a week or so to get the what we assumed was the credit limit approval. He only got $1000.00 but that's not a big deal. What pissed us off is that when he got the card there was NOTHING about 0% APR on purchases and balance transfers. In fact there was NOTHING about balance transferring at all! That's the reason we got the card. We wanted to transfer a balance and have the 0% APR for a year. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 472b0b13b6ec4ae5905f6a1f76c21e32
encoding: FLOAT32
metadata:
{"chroma:document": "This was my first credit card. I warn everyone, don't even use this company. Just build your credit with someone else. I have trying to check on my account for 3 days and I get a pop up that I temporarily don't have access to my account. I wonder why??? Probably because I am very close to paying them off. I have been making two or one substantial payments monthly. I set up to have a payment made a month ago and they took it and then threw it back in my bank account. I assume because I was paying way over my minimum pay where they really cannot charge interest much since I'm catching up to zero balance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce72aed093b343a192dbcf5bc75bfc59
encoding: FLOAT32
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{"chroma:document": "My husband wanted to build his credit, so he got the Credit One Bank card. After one billing cycle there were fraudulent charges from another state, going well over the card limit. We called immediately and were put on hold multiple times, hung up on and promised our acct would be sent to fraud dept after we called several more times. We demanded our acct be closed and that no further cards be sent. They immediately sent another card! They opened another acct in my husband's name and transferred the fraudulent balance to the new acct. Two more billing cycles have passed, many long phone calls and a police report and Credit One will not close the acct. There continue to be charges from another state. Someone is charging in another state, using my husband's name and they are sending us the bill. Calling FBI. Calling media. Considering lawsuit. Called police. DO NOT GET THIS CARD!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d00e825bbc34887ac25e3ea3fc1ccca
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{"chroma:document": "I paid off my account with Credit One. The following month I get a bill adding on an annual fee of $45.00 and a $1.00 interest charge. I called them to close my account and take off the fees. The annual fee wasn't even due yet. He said he couldn't do that. I could barely understand him. I repeatedly told him to close my account with them. I paid other accounts off and didn't have any trouble with them. This is a very bad company to deal with. Don't get a credit card with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a5bd9b34afdf466b902b5c7933e524a5
encoding: FLOAT32
metadata:
{"chroma:document": "I got this car led beginning of 2016. Right away charged 75. I used this card one time for a purchase of 32. Overall I paid in 132 just to them with not even using the card. They remove fees then re-add them months later in hopes you don't notice. I needed a replacement after my car burned up with my wallet. They wanted 25. I said, \"Really? Going thru a hard time and still pick and pull for more money.\" I cancelled on the spot. Don't get this card. It's a horrible experience. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d3145b5375647d993275dede257e782
encoding: FLOAT32
metadata:
{"chroma:document": "So on 4-17-17, I was approved for a Credit One bank card as I am trying to rebuild my credit, well 2 weeks later I received a letter saying I needed to send in verification of my identity. I mailed in a copy of my driver's license, change of address, social security card and also my paystubs, sent all the info in and on 5-14-17, I checked the status it says it was approved and will update once card was mailed out. Well I checked today status didn't change but received a letter from them today, they want me to send the same information in. Like seriously you need my ID, SS card and utility bill again??? Why? I don't understand why I need it again. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 415e470a4caf43a18798d43745b589ac
encoding: FLOAT32
metadata:
{"chroma:document": "I accepted an offer from COB for an unsecured VISA card. The credit limit was $500. Credit rating was 675 due to 17 years of credit inactivity. When I retired I decided to go to cash only and pay in full. So I accept their card and use it as I see fit. Always paid 2 to 3 weeks before due. Within 1 month of the card my credit rating dropped to 625. I continued to be patient and use the VISA as needed. I received cards from Discover, American Express, American Express Gold, USAA VISA and a MasterCard. All unsecured and all with a credit rating of 740+. COB never offered a credit limit increase and still kept my credit report at 670. I finally cancelled that VISA card and they cannot understand why. Stay away from COB..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e25182fa8e7442c8a7ef17f82498432
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{"chroma:document": "Credit One Bank is a predatory bank that accepts clients with poor credit or clients who are in the process of rebuilding. Their initial offer is a $300 credit limit with an immediate $100 fee, meaning your credit card only has a $200 limit until it is paid in full. I understand low credit limits, but $200? However, that isn't what bothers me about Credit One. They are factually dishonest and unethical. Read a few reviews concerning their online bill pay option. A large percentage of people cannot use this feature. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef3d740294c74ec98bea96c9ce52d865
encoding: FLOAT32
metadata:
{"chroma:document": "I should have reviewed this bank before opening an account with them. They are thieves. I tried closing my account with them. I had my account paid off for two months. I log in and there is a fee. There was no balance to base a fee off of. I call them to close the account. I could barely understand the 3 people I spoke with. I told them over and over again to just close my account since you cannot do it online."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f3d216b772b5426b8e5fc04c032a9589
encoding: FLOAT32
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{"chroma:document": "If only I knew what I was getting myself into! This company is a joke. They charge you express payments 9 dollars and you can't make payments over the phone. You only have the option to mail a check, Western Union or account payments but the payment won't post until days later!!! Days!!! I called to make an express payment. The girl charged me 104 when she only had to charge me $50. What the heck! That's not all you can't even understand them. Their accent is sooo thick. I have an accent myself but come on! It's customer service over the phone. Horrible. Can't wait to be done with this company!!! Never ever in my life. Hidden fees, slow system, bad service. They really suck!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb2113a968644c869a3feef095745de0
encoding: FLOAT32
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{"chroma:document": "This company... This company... This Company is horrible. First of all the reps are unable to assist you with resetting your password/username. 2nd they don't have their act together. 3 Not one person there is able to tell if you have paid your account or not since it does take upwards of 7-10 days for your payments to process on your account. 4 They are unable to give information e.g. billing statement date. 5 Their offers look exactly like Cap One. 6 If you make a payment over the phone they will try and charge you a fee, or you can send in your payments to a PO box in Vegas (fishy I think so). 7 They charge a set up fee of 75.00, so before you even get the card you are already in debt with this company. 8 They are just terrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5b8e620c2d1b44a3974f85a0eab9b04e
encoding: FLOAT32
metadata:
{"chroma:document": "Paid the card off month after month and pennies up to a dollar plus was continually added month after month. The last month I paid off 1.37. They terminated my account. I called to ask why and they said the bill was returned, they called my bank for proof that no such thing happened and my bank provided PROOF that NO SUCH THING EVER HAPPENED, they argued and hung up. WILL NOT TAKE ANY CALLS!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c8584b7fdca41b3b9226d1c26b95e26
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{"chroma:document": "Every time since I got Credit One card, I try to make a payment king way before my due date and never I can go thru. Their website always is unavailable or shot down and if you call for make a Payment they charge you a fee. I think Credit One do it on purpose shot down the website for charge their customer for payments by phone or late fee for pay late because right away that's my due day past. The next day their website let you in. Very suspicious."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b99befd26e24e97ad3e6c6b9bd40564
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{"chroma:document": "I am completely blown away!!! How a credit card company can get away with charging $99 annual fee plus 24.65% interest? I have had their card for 7 years and I never paid close attention to all the fees because I do everything online. I started looking at my bill closer wondering why it is so high and realized those sneaky you know what has been breaking down the annual fee and a couple little fees monthly and I realized I am getting ripped off to the fullest. I called and went through two people and a manager. They asked if I don't close my account they will waive the annual fee for six months, I said not good enough! You ** have ripped me off for seven years. So they put me on hold again, came back with they will waive six months prior and the next six months, long as I don't cancel my card. Can you believe this crap!!! Is this legal??? I plan to close this account for good!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed3a9530c5f94d41be99276b47b2a02b
encoding: FLOAT32
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{"chroma:document": "I just got the card last month April 2017 and I'm already having a problem with them. Let me first start off saying that I did get the card okay and paid the 75 dollar annual fee. I had a credit line of $300. I went to pay my bill online in the month of May which was $25 dollars, which I had no problem paying. Then it takes 5 days to post. Who waits 5 days to post payment when it is ACH. That sound fishy. So, I waited and it hit on the 5th day so, I was not going to use it all. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8011172208634b31a81ddf9bb2770e71
encoding: FLOAT32
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{"chroma:document": "I received a pre-approval letter from this company, thinking it was an affiliate with Capital One (similar logo, similar name, similar card design options etc...) so I went forward with the application. It wasn't until after I activated that I realized they market themselves closely to Capital One to lure people in. But since I let them hit my credit and got approved, I went ahead and activated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a94e94cc2631415a8406501e7f80b481
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metadata:
{"chroma:document": "This company is nothing but a pain in the butt to get a credit card with! I have had a card in the past with them so I decided to open up a new account... worst mistake I ever made! I wait 10 days for my card to arrive, and when it comes there is a number to call to activate the card. Once I call to activate the card I am then told they will need a copy of my driver's license and a utility bill in order to verify my address and then my card could be activated. After going round and round trying with 3 different reps with the last rep yelling at me and not listening, I demanded to speak to a supervisor. The supervisor understood my frustration so he said, after I told him I was not putting sensitive documents into the U.S. Postal mail to go only God knows where. He gave me a fax number to fax him the documents and that my card would be activated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fbb8ea88dd25416ea2f0ff2166692efa
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{"chroma:document": "I received Credit One platinum card in the mail, when I called the number in the back of it to activate! I was transferred to customer service. After answering some verification questions I was informed that I had to mail in a copy of my driver license, SSN and a utility bill to some PO Box in Las Vegas, I found that to be sketchy. I hang up the phone and spoke to someone else that told me my account was under review for fraud. I was transferred to a fraud specialist that asked me additional verification questions. Then told me that another specialist would call me in 24 to 48 hrs this time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4f11e0eaae94cbb93709a5616325c57
encoding: FLOAT32
metadata:
{"chroma:document": "Where do I start? Monthly UNAUTHORIZED fees - poor customer service in the Philippines!!! On hold for hours!!! Give out your personal information - Yearly fees that they charge interest on - can't pay off because they keep charging fees. STAY AWAY - they will steal your money and your credit rating!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cad495b110454c1ca70cccac15f87885
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a card with this company for around a year. I have made all my payments on time except 2. That I have paid in full. When the second payment \"bounced\", they shut down my account with no notice. I paid the account 4 weeks later to a zero balance, with assurance that the money would be available at the beginning of the week. I called Monday when the card was rejected at the store and then they informed me they terminated my account, and that it would never be reactivated. So now I am left with no way to pay any bills. I'm glad I am done with this company. Everything you do has a fee. If you have a change balance on your account by the end of the day they take it, rounding it down to an even dollar amount. Yeah, keep the change guys."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c38ed322cf74dbbaecfb2aef4f16a56
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{"chroma:document": "I received numerous letters with guaranteed acceptance from Credit One and finally accepted their offer. When my card was received I DID NOT activate it. A few days later I received a bill for $81.95: $5.95 for the cost of a decorator card and a $75 annual fee. I called customer service to complain. I was told, after much run around, that I would have to speak to a supervisor if I did not want the card that was never activated in the first place. I just wrote to them and added that I would contact the Consumer Financial Protection Bureau and report their actions. Even if they close this account, I want everyone to be aware of their fraudulent actions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0d7c5c09ec246a387905eb3e7b69a34
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{"chroma:document": "Credit One has to be the worst bank ever. Never, ever in life will I ever use them again. From scamming me out of $9.95 a month to make a payment to their stupid app never working or website, I've never seen business done this way. I will strongly suggest that anyone looking to help rebuild their credit don't use Credit One. Very bad experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4a553c4a5d64118bed38b3698092881
encoding: FLOAT32
metadata:
{"chroma:document": "OK so I have had this card since November, and it's not bad if you're rebuilding credit. I see a lot of negative reviews on here, but let me just say they have treated me well. I make weekly payments on my account, and the funds are always available the next business day. The main thing that I don't like is that I'm charged 10 bucks whenever I make an \"express payment\". I find it annoying, but as someone who is rebuilding credit, I believe beggars can't be choosers. So if you are trying to rebuild credit I do recommend it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a9b95b38a075495fb9d7ca13a371642a
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metadata:
{"chroma:document": "This is the worst bank I've ever used for a credit card. I used my card in another town before vacation so they decided to freeze my account without any notice. I get alerts on my phone for credit card due dates but since it was frozen the card was taken off the account. I received a credit score check and it dropped 70 points due to being late. I called and spoke to someone who I could barely understand and they said it was a mistake and they would lift the fraud and late payment status."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a285e4fbf24444d8f11b54bc83c5d81
encoding: FLOAT32
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{"chroma:document": "Don't apply for this card - Scam - Fraud - No resolution - I lost my job, still attempted to make payments but the reps will not accept partial payments. My account was referred to another department, that insist I give them my banking information, I refuse. Stated I can pay them $25 monthly, a rep with a very thick accent told me no and was very rude, talked extremely fast and stated I had to pay a certain amount. I got a call weeks later stating they were given permission to offer me a settlement which was less than half my balance. Yet stated I needed to again give my bank information. I refuse again. I said I can send a money order, the rep agreed and said since they get credit for payment I needed to put it to his attention. I agreed and borrowed the money. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ee44e0b49fb64b8c871beb717ea4d5c0
encoding: FLOAT32
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{"chroma:document": "I had two credit cards with this atrocious bank. I also have 4 other credit cards. I got a loan and paid off all of my credit cards on 3/23/17. I had no problem with any of my cards with the exception of Credit One. They sent me two letters dated 4/4/17 stating that they wanted a letter from my bank certifying that the payments I made were actually from my bank account and were valid payments. The letter stated that I had been locked out of my accounts and that I had until 5/4/17 to supply this info or they would close my accounts and reported to credit agencies as \"closed by credit grantor.\" "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9038f86df004bf594fe9c4bf5826288
encoding: FLOAT32
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{"chroma:document": "I cannot contact a real person to ask why I keep getting billed for an annual fee every month. An annual fee implies that a one time annual fee, not an amount from 2017 to 2018 every single month. I can't dispute these charges because nowhere on their web page is there that choice. Because of these monthly charges, which I was not aware of, my account is always past due. I also cannot find where to cancel this card. Can anyone else help with this?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58a08ea10e0c463b854eaa576d726a75
encoding: FLOAT32
metadata:
{"chroma:document": "Got a card, limit was increased in 3 months for good payments. Immediately, I could no longer log on so I figured I'd make payment by phone. They took my 500$ payment (way above the min due) but had suspended my card, which I only found out by trying to use the card the next day. They refused to discuss it by phone, stating they sent a letter. A week later, letter comes asking for verification from my bank that the payments that had been made for 3 months were authorized to be made and bank statements. I sent requested info, bank statement from 2 accounts, actual letter from Chase banker confirming auth to make payments and guess what? Never heard back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b3615c9cdcbe4912be83bd85f49f29e3
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{"chroma:document": "Many people are bashing Credit One... BUT you need to deal with them with realistically. I've had horrible credit for 20 years, because of two divorces, but I make good money, and own a home that has considerable equity. I also have term, and whole life, insurance policies. This is a short term credit card for those establishing credit, or re-establishing credit. I always thought this was a company associated/parent company with Capital One. No! BUT my initial credit was $450, after I paid my \"yearly card fee\" of $45 after it was issued, and IN FULL - WHEN I ACTIVATED THE CARD, I got an increase of $150. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0b515c08f9a4f9dbe0ab99f33275031
encoding: FLOAT32
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{"chroma:document": "Maintained an account for several years because I am a dummy. High interest rates, high annual fee (charged monthly), and remarkably/intentionally, poor customer service. I closed the account today after making the decision that this card wasn't worth the trouble and certainly not worth a monthly $9 fee to keep it open. It took four different transfers to four different associates. The customer service people were unhelpful, refused to answer questions. And although I expressly asked for the account to be closed and requested confirmation, I am not sure that either will actually happen since the person I spoke to hung up on me while I was asking for email confirmation. They also tried to charge me around $8 to process a payment. The idea is to make the process as difficult as possible in hopes that you will give up. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb7c3f2da3464921a332f8ad63dffb74
encoding: FLOAT32
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{"chroma:document": "One day I get a letter in the mail from Credit One such as \"pre-approved! sign up now\" or along those lines so I do, get approved for $500 credit line. That's all great for me who I currently have one credit card with my bank. Well everything goes smoothly. They send you your nice silver Credit One Credit card in the mail, step by step instructions on how to set up your online account and boom! You're in. Well I decide to put a couple of small purchases in the total amount of about $150 - no big deal. Well I decide to set it up which they have instructions and also which I've done with other company that bill me, to have an bill payments directly from my bank account. Sure enough I follow the steps, Credit One bank says everything's up to date. I start paying off that small purchase (2 payments a week apart). And think everything is going smoothly. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5cf2db2f7cf42528b20582d1ab1c423
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{"chroma:document": "First of all company origin outside of the United States so therefore customer service is extremely unsupportive. Second. Hidden fee. Consumer would've not know about until after using the card because you do not have an online access immediately. As soon as you receive the card you want to get access to your account 2 to 3 weeks after signing up and that will not give you enough time to find out about them and good timing and that's done purposely from the company to set you up for failure and I will give you an example on that. There is a $75 annual fee will be deducted from your bank account immediately so if you cancel your the $75 annual fee +25% on the amount that you owe. And the list goes down. I will highly recommend not using the card until you have access to the online banking and to have a customer service another explain everything before using the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c38b8ff07eb497ab2bb9e73ed8f98fd
encoding: FLOAT32
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{"chroma:document": "I have had this card for over 7 years and I am still paying for it. I try to pay a little more than the minimum but with all the fees they charge my account never seems to go down. Not to mention the fact that if you pay after 8 p.m. on your due date they charge you a $35 late fee. I work during the day and sometimes can't log on until later in the day but if I pay it on the due date what difference does it make if it is after 8. The day does not end until midnight. I am going to pay this card off and tell them to kick rocks. And forget about calling their customer service/no service line. You can never speak to anyone in the U.S. and the language barrier is ridiculous. THEY ARE THE WORST EVER!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc71bc12b188484ea684a467d192fab2
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metadata:
{"chroma:document": "Get ready for hell to break loose if you accept their offer. For everytime you leave the state you live in, you have to call your \"mom and dad\" at Credit One and let them know you left the state. If you don't, then get ready for the embarrassment of a lifetime. 24hr banking or customer service? Not at Credit One. English speaking reps that understand you and you understand them? Not a Credit One! Good customer service, low fees, and accepted anywhere? Not a Credit One! To sum it up... you take a huge risk. I've paid them off and sent the demons at Credit One back to hell. I am better off with American Credit card companies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dda4b5af031e423bb9ce6340541d0ce1
encoding: FLOAT32
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{"chroma:document": "I can't list all of the reasons this company sucks! I used this card for gas only. Credit was stolen 2x & am still dealing with them to CLOSE THE DAMN ACCOUNT! I have filed TWO police reports. The police have even spoken with them. DO NOT USE THIS COMPANY!!! They are horrible. Do not give them any of your information."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 643f3f3cbf4b4d649e39d1ac3e954d41
encoding: FLOAT32
metadata:
{"chroma:document": "I wish I could give this no stars at all because I don't feel it deserves one, but I can't unfortunately. I currently have this credit card that I'm paying off. I wish I had never gotten into it or at least looked into it first, but at the time I desperately needed the money to help out my parents. The membership fee was like $80 or so. My credit limit is $400. Right now I still have $350 to pay off."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ababa8f4d5094beebe79754cb080a340
encoding: FLOAT32
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{"chroma:document": "I have Credit One and every time I try to pay them monthly they like to take your money because of their hidden fees and late fees. I paid last month my bill and I was supposed to have $125 in my card. Next thing I know I see I had only $84 so I called Credit One and argued with them that they took my money, so they gave me some of my money back. Then last week I called again and this time I had $90 in my account, now the lady told me she would put in a request to give me $14 back so I would have a total of $104, they never gave it back. So I called yesterday and asked where my $104 is and why it's not back in my account. The lady tells me that they never put in a request so I told the lady that they are a terrible company who can't seem to keep papers in order. Anyone who reads these reviews pls I urge you not to sign up with Credit One. They are the worst credit cards ever so do not sign up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c9aaeb13e774f18b93b77cd7ca43cd4
encoding: FLOAT32
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{"chroma:document": "Held a account with Credit One for about 5 yrs. Always carried a high balance with them. My credit limit with them is $2,000. I decided that I will pay off all my credit cards then keep a balance around 10% of my credit limit. Well after I paid my account instead of reporting 0 balance these jerks decided to report that I had 30 day late payment a month before, not true. Never been late or missed a payment. Called them to complain, well they said they're all for people having good credit and if would prove to them this error they would remove it. LIES, I did just that and I disputed it through all 3 credit bureaus and of course these JERKS are just as bad. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aec46635ca7045d4ad7fd7f033209cb3
encoding: FLOAT32
metadata:
{"chroma:document": "I received 3 emails from them about charges on my account. They provided me with a phone number, I called and they were CLOSED. Called again, the first rep gave me a hard time trying to verify my account and then attempting to explain to him about the work phone number! After 10 minutes of being on hold he came back to tell me his computer was having problems and I needed to call back, no transfer option. Hang up and called back immediately, the next rep looked at my account and told me my account was with their investigations specialist. So I asked to be transferred, no they could not do that because they do not open until 11AM. I have to tell you that it will impact my credit but I will get rid of this credit card ASAP."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c21b20a9a5a484b908efd4db447a88b
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{"chroma:document": "Called questioning over credit limit. Twenty minutes later the rep is telling me about a charge not appearing on my statement. I asked why it doesn't appear and he couldn't answer me. I asked why then did they report to Credit Karma that I exceeded my limit if I didn't know this. He said he couldn't answer except I was over the limit by SIX DOLLARS. Totally unprofessional."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f783d45c8453418c9406093ec4dd1c53
encoding: FLOAT32
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{"chroma:document": "When I called to activate my Credit One credit card I specifically asked the representative if there was an annual fee and was told that I qualified for $0.00 fee, and they also told me they would waive the $19.99 authorized user fee for the first year. With that said I used my credit card, my limit was $300.00 and I only used $265.00 for purchases. Then when I checked my balance I found that I was over my limit by $100.00."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5f3e47a6d2249da89fddc9804722329
encoding: FLOAT32
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{"chroma:document": "I have had this card for just under a year and have had no problems with it at all. Though I used to pay $9.99 for \"express\" payments, I now avoid this fee altogether by making two or three payments each month. Credit One has never offered a credit line increase despite a perfect payment record."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6664200a6d9a4debbcba18bfb1fde9ce
encoding: FLOAT32
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{"chroma:document": "I closed my account in full. I made a payment online. Besides they charging me 25 dollars for paying online, they charge my bank account 9 dollars three times, two weeks after I had pay in full and closed the account. I got a bill for 12 dollars. Charge to the account the very next day I had closed it. When I called to ask about it and complain they told me it takes 24 hours for the system to renew the information. The 12 dollars are just because I had the credit card open. I'm not paying them a penny and I would like to know how to sue them for fraudulent charges."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3022e968a0284e4fbaebbf08e635c6ad
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{"chroma:document": "Okay. So I thought I would wrote a review on making my 1st payment to Credit One bank. Since I read so many negative reviews about making payments I was very skeptical to apply for the card but I did and I got approved. So when my card came of course it had a $75.00 annual fee. My bill was due 5/15/2017. So I looked up what payment options I had available on credit one site and I was like this at 1st, \"This is ridiculous.\u201d So I decided to go to one of my local check cashing places (ACE Check Cashing). I asked them to run the card to see if I can make a cash payment through bill pay and to my surprise I could and the fee was on $3.95 and to my payment posted within 2 business days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13dfe0433444404684d51759b3ec7362
encoding: FLOAT32
metadata:
{"chroma:document": "I had a credit card from this company for many years with no late payments. They increased my credit with my agreement and no notice the interest rate was increasing to 25%...outrageous. I called and they insisted they couldn't lower the rate. I threatened to pay off balance. They gave me payoff and I mailed check right in. They called and begged me to keep account open and they would credit last few months\u2019 interest. I told them it was too late and to just close the account. They did and billed me a last month\u2019s interest and continue to bill me late fees and now show a negative rating on my credit to an account they closed and said was paid in full."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48aeb90859844662b4a1bb4c4cc93cf8
encoding: FLOAT32
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{"chroma:document": "I went online to Credit One found out I owed a bill for $8.26. When I called to find out what this was for, spoke with someone who didn't speak English and when I asked to be transferred to someone else sent me to another non-English person. I finally had enough and asked for the supervisor who spoke English a little better. When I asked her what the fee was for she informed me it was for the annual fee and service charge! When I informed her how can I have a service charge on a purchase on a card that I shredded 8 months ago she had no answer, I informed her that I'm paying the $8.26 right now and to close this account. She stated that \"I saw that you paid and I will close the account right now.\" If this account isn't closed by Tuesday of next week I will have our attorney handle it as I only got this card to help build credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6755f8ef227a40e58e0f5ef0e4dcad67
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{"chroma:document": "I have, unfortunately, been a customer of this bank for several years now. I have never made a late payment. I pay my bill on time, in excess of the minimum each month. In March I tried to make a payment, but the website demanded that I enter the amounts of deposits the company made to my checking account. After I tried to do just that -- and several times -- I was refused and blocked from making a payment! I gave up for the moment, planning to call the company. I was later hospitalized with pneumonia and out for two weeks. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2293bb50232b4a53a0406f7c9247a6f8
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{"chroma:document": "I am working overseas for 1/2 a year so I cannot send in a snail mail check payment. I called 5 times and all numbers (toll free and charged number) says their phone system is being overhauled so pay online. I go to pay online at www.creditonebank.com and I cannot even pay online!!! I wanted to pay in full today. Now I will get all kind of fees!! This is insane. What kind of bank shuts down all operations??? Now I am very scared. No accredited bank shuts down all communications with their customers and the public!! What kind of outrageous fees I will encounter scares me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b0412621b664bb4b86719fa9fd7302c
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{"chroma:document": "First of all they have the worst customer service. I paid off my account in full over $1,900.00 and went back in a couple days later to see they charged me for a Starbucks order that I already paid for $12.91 so they can charge me interest for the whole balance. Spoke to two different people. One said it didn't post yet although it posted on the 16th and I made my payment on the 18th. Another said that's not what it was for and made something else up and when I pointed out that was the difference then she said, \"Well that is what it is for.\" And when I said I already paid for that I am not paying again she said, \"No you didn't.\" She argued with me until I hung up on her. I have my statement that clearly shows the correct balances and amounts paid! Beyond pissed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ca58fcc617f4dac820808958c697bcb
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{"chroma:document": "Account isn't overdue, have had 7 calls today alone from them. Called to cancel the card, got hung up on 3 times. When I finally got someone to work with me, they wouldn't cancel the card until I got pissed at them. After they canceled the card, I asked them to not call me any longer. They would get their money. Guess what. 2 of the 7 calls was AFTER I told them to stop. Don't get this card. Don't waste your time with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58530085e52141639b8b3ba6ebfd5114
encoding: FLOAT32
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{"chroma:document": "I have been with Credit One 2 years now with a 300$ limit. I have just noticed lately my account is at it max 300$ with no cash advances. Why if we are paying 29.9% interest is my monthly interest 6.71$ and 8.25$ monthly for their yearly??? 7$ monthly is not 29.9% interest on 300$?? Has anyone noticed this?? I'm going to contact an attorney because something doesn't add up?? Everyone needs to check this problem out!! They are charging us like a payday loan and that's not what a credit card can charge or is it what I agreed to!! Please anyone who reads this post at your monthly interest charge."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc54ef528e894ea1bdb608f1a3267953
encoding: FLOAT32
metadata:
{"chroma:document": "First off press 1 for English. Customer Service is a joke. Can't cancel my card but will offer a brig so I will stay with them. NO THANKS!!! My star rating is zero but I had to give one so I was able to submit, go figure..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 50737683be34457eb16b4028f2c6331b
encoding: FLOAT32
metadata:
{"chroma:document": "I wish I read all the reviews about Credit One Bank before I sign up for my card. I tried paying my bill every month on time but because of their hidden fees and high interest rates my account keeps going negative. No matter how much I pay into the account it never posted in full because they deducted from it hidden charges and interests. I am ready to pay off this card before they make me go into bankruptcy. I am really regretting. Readers BEWARE!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30c4b03f82a9491283cb6fa2eb32ba0c
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{"chroma:document": "I wanted to up my credit score so I thought I would try Credit One. I used it once paid it off. Next month I got a bill for $143.00. Someone had used my information so I'm in the process of having a officer working on my case. Just like everyone I'm getting calls everyday. I was so mad I made them transfer me to Las Vegas. They gave me excuse. They put me through. I spoke to someone who spoke English. He told me as soon as I get the report fax it and they will write it off. They called today. I said, \"You call me again. I'm calling my atty. and the tv media.\" So my advice to everyone tell them you want to be transfer to Las Vegas. Keep insisting they will. I told them close every acct. So they sent me another card and charge me $29.99. I told them, \"Why would I want a card when I told you to close my accts.\" I believe they sold my information to someone... Never again. Now I have to watch my credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a78b8254ba54496b8cb6e6e61a22807
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{"chroma:document": "I received the card ok. No problem. I've been trying to get my credit score upgraded ok. When trying to set up an account it's a no go. I HAVE NEVER IN MY LIFE HAD THIS ISSUE. Their tech/IT department does not call back. And when calling in the customer department is not even in this country. The supervisor was the only one that helped me. And a 9.00 fee to express your payment. What the heck. Oh sorry you can only make one payment a month. They will not accept and additional payment. So you don't want my money. I wanted to pay my bill in full... ok. Did that with a charge of 9.00 plus it still took 3 days to credit my account. The money goes to India."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de626c056a43498f8f6b8078044f4920
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{"chroma:document": "I received an alert that Credit One did a credit inquiry on me for a card application. Only I had not applied for one. I called them and they refused to give me the thief's email address stating it was against their policy to give out protected information. Yet the thief had all my information including name, address, phone number, date of birth and even my Social Security Number. I think their policy protects the thief and needs to be changed. We victims deserve to know who is trying to rob us so we can pursue legal action! Until these ID thefts are taken more seriously, they are never going to stop."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8bc08756938a419d9a10c4050f240fe1
encoding: FLOAT32
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{"chroma:document": "Between my wife and I we have 3 separate credit cards with them. I tried making the monthly payment on 1 of mine and on hers today. It states that they needed banking info updated. First, they couldn't tell me when they made the so-called small deposit. After going back thru bank statement I found 4 small deposits prior to when they said were made. I updated the banking information. Got a message from them, \"Your banking information is now up to date.\" I still can't make the monthly payment, because it keeps asking me to update the banking info on 2 of the 3 credit cards; the 3rd has a zero balance. I called these folks and was on hold for 10 minutes; I asked to speak to a supervisor was on hold for another 20 minutes. I get another individual that you can't understand because of the thick accent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8290156fec5542958bebf5ca004336c9
encoding: FLOAT32
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{"chroma:document": "They offer you a credit line increase - for a fee (none of my other cards do this). Their minimum payment is high (I have another card with more than twice the balance and the payment is lower). Then there's the annual fee. I just transferred the balance to two other cards, it'll save me some money each month. Right now I'm trying to close the account but it's hard to understand someone whose first language isn't English and I can't even get through to an account specialist."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I obtained this credit card to rebuild my credit, but it has been the worst experience ever. To start, I used my checking account to make a one time payment, but in fact they withdrew the money a second time without my permission. When I called them to ask, \"why this had happened\" they stated I made the payment online, which was not true! They then proceeded to tell me that they were canceling the current card and would send me out a replacement."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fcbe57102ec54841a7bed11b61e1606d
encoding: FLOAT32
metadata:
{"chroma:document": "My experience made me irate. I was under the impression when I called, paid, and was lead to believe my account was completely closed, that everything was okay. I was glad to be done with this company and moved on. When months later my credit score started to decline for delinquent payments, I began to look into this further. They told me I owe money. I filed a complaint with BBB and Credit One sent me a letter (after I sent one on my own with no response). Still fighting to get this taken care of! I was hung up on and then on the phone for entirely too much time. Stay away from this company, they are CROOKS!!! For anyone that works there, ask yourself why!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0fe538f403546aaa45cdce3326f5690
encoding: FLOAT32
metadata:
{"chroma:document": "Customer service rep Mike and supervisor Kenneth. No customer service skills. I had the card for over two years. Never missed a payment. My balance was nearly zero. They put a restriction on my car because I hadn't used the card in three months so that makes me call them for them to tell me three different stories as to why the Restriction was on. First it was fraudulent activity which there was not then they tried to blame it on the store. They were having issues at the store which it was not then he tried to say I didn't make my payment on time which was not the truth either. Customer service reps and the supervisor of both very unprofessional and they lie. I would run as fast as you can and never, ever get a credit card with Credit One Bank. I'm paying off the whole $45 I owe on the credit card and canceling it and I will never, ever use Credit One bank again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5af5ff7c73eb4afaa5d79d1e5a409c73
encoding: FLOAT32
metadata:
{"chroma:document": "Charges interests on all your purchases despite paying off my bills on time all the time. The operator on the phone told me it charges interests the moment I make a purchase and is not affected by when I pay my bill, i.e. \"We will just find an absurd reason to take your money even when you have been a good customer.\" The operator said, \"It was only $1.07.\" Yea but still! PS: I don't see this kind of hidden fee on my Capital One card. Annual membership fee of $75 is ridiculous. Could do better with Capital One, which charges no membership fee. I felt a little bit duped. I'm just gonna cut this card up. It's a money sucker."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 51bb8871ddac4d628a27117ed49f14ae
encoding: FLOAT32
metadata:
{"chroma:document": "I've had my card paid off for a year and recently the company started charging the annual fee prorated monthly without notice. I missed the due date so they charged a late fee on top of it. Since there is NO AUTOPAY option on the site, which I use for these kinds of situations on other old unused cards I keep for credit score purposes, I'm not able to cover these newly recurring charges comfortably. I am not happy that this company is obviously trying to milk longstanding, reliable customers. As soon as my other card accounts age sufficiently, I will close this account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dcf231f4a7e8448ebc1d45bebc6139e4
encoding: FLOAT32
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{"chroma:document": "Over a month ago both my husband and myself decided to pay off the card and close the account due to excessive fees. Both called in over 30 days ago and closed off the phone which is the only way you are allowed to do this. Tried for over 15 minutes to have remain with the account and finally had to tell them WE ARE NOT INTERESTED. We continue to get notices in the mail to come back and now received an email that somehow a charge has been placed on my account. Would like to know if there is a class act in place on this company. I would love to participate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 33233cadb80b4c42945b5d6a1c95050e
encoding: FLOAT32
metadata:
{"chroma:document": "These people shut down my credit card because I made a payment that on no account, not only did they shut down my credit card but they shut down my online account where I can't see what I owe. Have been making payments for several months off the account that they said was fraudulent, but still won't let me see my account nor do they mail anything. Talked to a non-American speaking person. I could not understand them nor them me. This is a bad company. Would not advise using them. Don't know how my account could be bad when I did as I should. Did make a late payment but covered that within a few days. That is not the problem. They want my money but won't let me see for what I am paying."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 891b096fddc3465397921f09e99ef4b0
encoding: FLOAT32
metadata:
{"chroma:document": "I use credit cards only for travel and emergencies. I recently had a balance of 229.00 not due until March 20, 2017. I get an email stating I have a statement to review. However I notice a balance of 1.49 due April 20th. So I called customer service and unfortunately got a CSR from the Philippines that hardly understood English. Explained to the Rep. that being that I paid off the account in full prior to the due date that I would not be assessed a finance charge. She argued with me and stated that I have to look at the payoff balance. That I am assessed a finance charge. Being that I takes up to five business days for the debit to clear."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4876e669e4c84e4690956dc7d585702b
encoding: FLOAT32
metadata:
{"chroma:document": "Only use my credit card 2 times $25 solar in total purchase, after I pay $117.99, but when I check my personal account I see was charged $127.94. Why? I call to Customer Service only to listen that I need make my pay, so it's a bad service. I trying cancel the card because it's too expensive and nobody know how to cancel! It's awesome really. Don't use this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 44f4a95c59f3471c8427639af5d84e6c
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank is very fraudulent. They false advertise like your money is there when you needed it. Do not apply for one of their credit cards. Worst mistake I ever made. I overpaid on my account so that all my money would be on one card when I took my vacation... big mistake. The bank put a hold on my card without notifying me. When I called no one could tell me why. So I asked for a supervisor. She told me it would be 7 to 10 day for me to get my money. When I told her that was unacceptable she said I would have access to my money within 24 to 48 hours, a big lie. So now it's time for my vacation and I have no money because I trusted the wrong bank. So please do not apply for a Credit One card. It is a BIG MISTAKE. Sincerely. Very unstifled customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f5ce244b3664cc9b6b66caf4bf4f7de
encoding: FLOAT32
metadata:
{"chroma:document": "There is a huge language issue here. They reps do not want to hear you just be heard. You cannot get an appropriate answer to anything. It's like they are reading a script and you cannot get anywhere after holding forever and being hung up on. The website stinks you cannot pay off this card with another card only a debit card that they charge for or a bank account. This is a few of the issues. This card is not worth it. It does not help rebuild credit. It only helps give a headache."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: afa2bd2b12244e0daec1c4c44facf75e
encoding: FLOAT32
metadata:
{"chroma:document": "By far, the worst experience I've ever had. I wish I had known what a horrible company Credit One Bank and that their credit cards are scams. I'm young, in school trying to build my credit. I have other bank cards I pay on time and am very conscious about my credit score. Credit One credit card is going to ruin everything I'm trying to build."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58db53b61f0f479a9ffbe49c98cc7fee
encoding: FLOAT32
metadata:
{"chroma:document": "I have tried many, many, many times to set up my account online so I can view my account information, pay my bill etc. After trying to do this I keep getting a message stating my username and password don't match. I know I am not entering the wrong information 25+ times, at least. I called customer service and they can't help me set up an online account. They said tech support would call me within 24 hours... never happened. All I want to do is set up an online account... how hard can that be??? I have many accounts set up online for all my bills... this is the only one I have problems with!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 99d4b92422c849ea9614115981b89149
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank scams you into thinking immediately that you're signing up for Capital One. But of course looking more closely, it's called Credit One (hook one). Secondly, you are charged a annual fee of $75.00 before you have even used it (BS). They went ahead with closing this account with no charge to us, but, were going to put it on our credit report. Damn them. Stay Away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4e341c75ed24d78b72f78c3d2ca797a
encoding: FLOAT32
metadata:
{"chroma:document": "I paid my account out in full last month. I called Credit One to cancel the card after I had paid the bill in full. The very next month I get a bill for $45.00 to maintain the credit card. I again called and asked that the account be closed. The very next month after that I received yet another bill with a 25 late fee making a balance now of $70. I was on the phone for almost an hour with 2 reps. The 1st one hung up on me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e2670017c65c46a48529466ed33589a1
encoding: FLOAT32
metadata:
{"chroma:document": "In March someone paid off my credit card, changed my address on the Credit One website and then used my card online at US Auto Parts. I immediately contacted Credit One to initiate an investigation that will take 90 days. My card was closed and a new card was sent out. I have not even received my new credit card yet, have no clue what the credit card number is and the account has been compromised again with another purchase at US Auto Parts. Beware of having your account hacked. Since the new card has not been used yet or even activated at that I am going to say an employee at Credit One is helping have the customers information stolen."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 714ecef802cb4324ae87b565622f7dc5
encoding: FLOAT32
metadata:
{"chroma:document": "I received this card a little over a year ago and acquired a small balance on it and became very ILL with the customer service when I was constantly presented with a problem. Shortly after, I zero-out my balance and closed out/terminate the card only to reveal 3 months later I get a statement saying I owe a balance of the membership fee! I then call customer service, which sounds like they're in an underwater basement in India and they do not comprehend what you're telling them nor what they're saying to you! I gave up! I just hope a crap company like this doesn't damage my credit!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62b51352f13b4594a8ea0d06169dd9b1
encoding: FLOAT32
metadata:
{"chroma:document": "Never ever open an account with Credit One. Use of the last 4 # of my SS card was allowed, giving someone (not me) access to having new cards sent to their address in Miami, with new email address, just quick as a wink for the \"imposter\" to get cards and charge charge charge, plus remember, when you go paperless, you really have NO proof of what is happening to your account! Now the fraud dept. access is continually circumvented for me, as in put on hold for 40 minutes, the last time I tried, so what to do? Credit One has already posted to my TransUnion Credit Bureau account, that I owe about 2 thousand dollars (the amount the \"imposter\" charged) and they have no solution to that issue? Will now go to the Federal Level, as nothing else works! Open an account with them at your peril. You will be regretting for a long time. Caution! Can cause hypertension!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b82b3804749407da9b7847cfc48463a
encoding: FLOAT32
metadata:
{"chroma:document": "Made a payment on 4/2/2017 it's now 4/7/2017 to pay my acct off, they tell me I can't and will have to call back next month because I already made a payment this month. I already made payments on my other cards with different companies. Called back and paid them off the same month but you can't? Then just before they hung up on me and had to call back and to see if I could post date the payment and they said no and have to call back, again hung up on me both times they said \"God bless you\" WTF? Are you kidding me???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 33c8a2bb3cd045abb618b6f2ab9e7af2
encoding: FLOAT32
metadata:
{"chroma:document": "These people are still calling 15 times a day and I decided to turn get a lawyer because of all the harassing phone calls. I do not care if my bill was due 2 months ago. This is when the harassing phone calls started was 2 months ago and my bill was NOT even due yet. Then you call me today at exactly 9 am from a different phone number and you have the nerve to ask me for my checking account number... Are you guys that ** stupid??? Stop with the robo phone calls and debt collectors and lying to your customers and just maybe will you get some money. Until you stop with the harassing phone calls... You will not see a dime from me, because I am suing your ** for harassing phone calls. DO NOT USE THIS CARD, because the first time you use it is when the ROBO calls start and debt collections start. The bill was NOT EVEN DUE yet!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d081eddd28ee432195e8ee7fffc37098
encoding: FLOAT32
metadata:
{"chroma:document": "This is in reference to a credit card through Credit One Bank. I am about to lose my mind over this and do not know what to do short of contacting an attorney. Every month I am charged a $31.00 late fee but I am not late. I call and I am placed on eternal hold, hung up on and have to speak to people who DO NOT speak English. I am also charged $5.88 fee for Credit Protection, I did not sign up for this and also call every month to have it removed. They are also charging me a (monthly) annual fee of $8.25. I did not agree to this and once again I have to call every month to have this corrected. Is this legal? Is there something I can do to stop this madness. I do not use this credit card and yet every month my balance goes up and I am making large monthly payments. Is there anyone out there that investigates this kind of fraud? Thanks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6c6a2a8a7f4402ab3ed046a20c21d30
encoding: FLOAT32
metadata:
{"chroma:document": "This company operates with the name of a bank in America, Credit One, BUT, it is not the same bank. Their practices are horribly deceptive, and they did numerous things to my account, including one time they put a $2.60 amount on my account AFTER I paid it off. When I called to close account and ask what the fee was for, I was told it was interest from my previous balance, that I paid off 2 weeks ago. The customer representative harassed me and gave me a terrible time about closing my account. After arguing with him for at least 15 minutes, he finally agreed to close my account. Then, he said I had to pay the $2.60 so he could close it as I was a risk. WHAT FOR A fraudulent charge that they put on my account, I'm the risk?? No. They operative deceptively and I'm sure they take advantage of many, many people. STAY AWAY  FAR AWAY from their offers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ecd24349451746bcba9d5befb9c81d54
encoding: FLOAT32
metadata:
{"chroma:document": "Card was allegedly sent out on 3/4 and I was notified by email that I could expect it within 7-10 business days. By 3/24, I had not received the card but had received a statement for the $75 annual fee. I spoke with a representative on 3/24 and was told she would zero out the balance, cancel the card and issue a new one. By 4/3, I had not received the SECOND card. I spoke with a representative AND a supervisor and was told 1) They cannot cancel a card and issue a new one (first rep lied? Hmmm, imagine that). 2) They would cancel the second card and issue a new one (thought you couldn't do that). 3) They will look at the account and call me back within 7-10 business days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7cd7177361824e2db8a15ee5d28dcca0
encoding: FLOAT32
metadata:
{"chroma:document": "I used to have this credit card and was content. Unfortunately three years ago, I did a bankruptcy and included them in the contract. They are saying they are a charge-off when they know they were part of my bankruptcy. I think they are deliberately trying to be sneaky and get paid instead of respecting their original outcome."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9bfd661a930c4c0c8f3155f855e070b8
encoding: FLOAT32
metadata:
{"chroma:document": "Got pre-approved for a credit card with Credit One. Went ahead and went through with the application process. What they failed to inform me of is that they have a $75 annual \"membership\" fee, which goes up to $99 for the next year. I didn't see this until I received the card in the mail and activated it. I promptly called them and cancelled my \"membership\" because $75 is a complete ripoff. Other credit card companies don't charge this. Stay far away from this bank. Complete ripoff."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46f63b0df85342c0965af853af90c303
encoding: FLOAT32
metadata:
{"chroma:document": "I originally applied for a credit line of $750 and was approved. I get the card in the mail and find out my limit is at $500. Then, once my card is maxed out after a move, I try to pay the bill online. After trying to login to my account online I find out I've been locked out by the bank. How am I supposed to pay my bill when my online login has been locked?! Then when I call Credit One they transfer me twice and have me run around through a verification process after verifying SEVERAL TIMES. This is ridiculous, I just want to pay my bill!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5130cb22c6fb4b19ab0aabb722dab070
encoding: FLOAT32
metadata:
{"chroma:document": "Over 2 years ago Credit One sent me an offer for a $500 card. Obviously, I had bad credit and was trying to rebuild anyway I could so I applied and voila approved for a Visa. I was ecstatic! Fast forward and my always paying more than the minimums ON TIME every month has raised my limit to $1800, some given, some accepted with a fee. They also sent me an additional card this year (MC) with an $850 limit that will go up over time, making my utilization and available credit ration even higher. I'll pay $25 for that all day!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a66b6b68cd374ec6a304acde024ea1ec
encoding: FLOAT32
metadata:
{"chroma:document": "I had fraudulent activity on my account. I called to let the CSR know and she explains that I should destroy the card and she will send one in 7-10 business days, because they don't offer FedEx, and don't have it. I waited 3 weeks and no card. I called back and the new CSR, as the previous one, did not understand English and kept asking what he should do. I was appalled. He then put me on hold without saying so and hung up. I called back because now I don't know what is going on with the account. I received another agent, who does not speak English well, and I could barely understand them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c9cb3e39c0548a5b8271549ebde2ad0
encoding: FLOAT32
metadata:
{"chroma:document": "They are rude, constantly call you back to back even after you just got off the phone etc. I will never use them and or recommend them to people I dislike. Everyone I know dislikes them and I should have listen to them in the beginning. Biggest regret of my life!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5e2a4e3117064c33b53ead2444a1551a
encoding: FLOAT32
metadata:
{"chroma:document": "My brother used my credit card and he try to repay me by making my payment early. He filled out all the information to make the payment with the account number. I am not understanding why my payment was denied and I received a letter from Credit One Bank reading if I have another return payment they would close my account. I am not understand the bank to return a good payment online not a check or a insufficient account when his account have $100.000.00 of dollars. I am getting the feeling maybe this is the wrong bank for me. I rate this bank zero star rating."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a897979460a4eeb802b12fab18bbf9d
encoding: FLOAT32
metadata:
{"chroma:document": "I recently applied (3/19/2017) for a Credit One credit card online using the prequalify app and after prequalifying for a recommended credit card I was taken to their application site and which I applied and was approved for their Platinum Visa credit card. Moments later I checked the application status to see if the site could give me some information about my approval i.e the amount of my new credit line and how long would it take for me to receive my card. Website only stated that I my application had been approved and that I could check back to see when I would be expecting my card in the mail."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48ac4491a5024da5b180c383fc96111d
encoding: FLOAT32
metadata:
{"chroma:document": "Can not log in for months. They try to fix it over phone by having you screw up your entire computer then they say someone will call you back in 3 days but they don't. No tech support to transfer to. Only way to talk to someone is to press 000 during listening to all the advertisements."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b829fae8237b4d709d1ae7ad67eaf6d6
encoding: FLOAT32
metadata:
{"chroma:document": "I paid off my credit card balance 2 months ago and actually paid too much leaving me with a $3.25 credit. New statement showed $5 balance. Called and Spoke with Maryann; insisted they remove the charge which they claim is a \"monthly maintenance fee\". How do you add finance charges to a $0 balance? Demanded to speak with a manager and told it would take 24-48 hours then she hung up on me. Closing this acct as soon as I close on my house Friday. Besides, I thought this was Capital One and have a FICO score well over 740 so they played me with the fake logo. Do yourself a favor and get a better card. Would give them zero stars but it's not an option here."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 95c172f9d0c3484ab804b0142a5a5c7b
encoding: FLOAT32
metadata:
{"chroma:document": "I received this card at the same time I was approved for 2 Capital One cards a year ago. Since then Capital One has given me 2 increases on both my cards with them, and Credit One will not give me one. I make all my payments early, and have never ever been late. I only got the card to help rebuild my credit, and now I wish I would have read the reviews first. Once I pay the card off, I am seriously considering closing my account. There is no benefit to paying your bills on time to show you are a good consumer, when the card company won't acknowledge and try to find reasons not to give you the increases you work for."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 04c850a0a80242d29447e7bfdf90c3c5
encoding: FLOAT32
metadata:
{"chroma:document": "This creditor is horrible, I have had this credit card for a few years now because it was an easier one to get, Don't DO IT! Customer service is completely overseas. (The male reps are the hardest to understand and rude.) If you're one day late, they will blow up your phone even if you have been a customer for years and your account has been fine throughout. You can only make payments online with a check, I accidentally put my wrong checking account number for a payment, so it came back. They didn't tell me in a voicemail, email or an alert on my credit card account - I even paid it over phone once I found out it happened, and they closed my account - which they still didn't tell me. I didn't know they closed my account until I checked my credit report."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 080284a2cdac44e6846aeb3def67c95b
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{"chroma:document": "DO NOT APPLY FOR THIS CARD. The moment you apply they start the billing cycle and charges before you receive the card or activate it. They do not send you a bill thru the mail. They charge you and because you think you will be billed the following month, wrong you receive late charges on top of the other charges and you have not received the actual card. These people are crooks. If you have this card cut it up and pay it off immediately. DO NOT GIVE THEM ANY FURTHER PERSONAL INFORMATION. They make their money by their late fees and their in-house charges. I cut this card up and will be paying in full next month. Total Fraud."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3dfc08c22ee647149bc4b083ea729c08
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this cc with Credit One for four months now. I knew about all the fees and charges to initially get started with this card because I had read all the fine print. What I should have done was read all these reviews first. First two months went by fine and without issues. Although I didn't care for the express payment fee, I still paid bill thru it, usually way before due and over the amount due. Worked out fine, no problem, payment went thru by next day and had credit for it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e3d8ddc210040d29cbb78de7bdb9d85
encoding: FLOAT32
metadata:
{"chroma:document": "Not only did Credit One allow someone to make 2 large purchases on my account from a computer in another state, they also allowed the criminal to transfer money from my checking account into my credit card account to cover his/her purchases. All these just days after I made my regular payment. At no time did they think this was suspicious. It's because Credit One has NO fraud protection unless you buy their plan. I had to research it all and email the two companies where the purchases were made. I was able to stop one purchase. The other one is still on my account 6 weeks later. This person changed my address, phone number, and email as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e3290fd950f54988ab20ed1ef2927a64
encoding: FLOAT32
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{"chroma:document": "Sept. 2015 blocked out of my great standing account. Struggled for 2 months to be able to log in to pay on account. Ended up making payments via a 3rd party payer, due to the fact that calling credit company customer nonsupport yielded no help. After finally having the thrill of talking to an English speaking person, it was agreed that I had experienced fraud. At that point I was told there would be an investigation into the case. I paid my account 3rd party down to only a few dollars in the next few months. Supposedly someone had purchased car tires on my account that had triggered the fraud, tires that a UPS store in Loves Park IL. had called me in sept. 2015 for me to pick up. I live in central New York as I have for over 40 yrs., wouldn't order tires for pick up in IL... I had refused the tires as not mine."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 244e6cb8159d494fab0c61c05993dcef
encoding: FLOAT32
metadata:
{"chroma:document": "I've been nothing but an upstanding customer of theirs. I came across an emergency situation in which I needed documentation that contained my payments and current balance faxed to me on a letter head. THIS IS THE ONLY TIME I ASKED THEM TO DO SOMETHING! I understand that business' have their policies but the times that I have received great customer service were times where people were willing to go above and beyond to make me happy. Credit One was unwilling to do what was necessary to fax me my letter. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cf121d88a80f4879a1ac01730e6dc619
encoding: FLOAT32
metadata:
{"chroma:document": "I received a credit card from this company in the mail. I was told to call a number to activate. When I did call the activation number I was speaking to a man I could not understand. He told me I needed to send in a copy of my driver's license to activate the card??? Seriously. I have never had this occur with any card I have received. I was then given a post office box number to send my copied license to in Las Vegas. I found all of this very disturbing and have decided after reading all of the other reviews on this thread to avoid doing business with this company. Something is not right here. I am right and I will not be doing business here. Consumers Beware!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2db44aaeba0f41fca1c435d294b01820
encoding: FLOAT32
metadata:
{"chroma:document": "I don't think the credit card itself is bad. It will give you a start on rebuilding your credit, just don't EVER be late (not even ONE day) and don't EVER have a payment return!!!! The problem is that if you ever have a check return, well, twice (full disclosure)... they block your online capability to access your account. So this means that unless you mail a payment in via snail mail, you have to call them or they call you after the due date 500 times a day from every state in the union... I'm exaggerating of course but geez!!! I seriously get 25+ calls a day!!! I would normally just take the call, make the payment and move on with life. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 89658bc6eb6641beab8f110ece90d2f3
encoding: FLOAT32
metadata:
{"chroma:document": "This company has the same logo (different color) as Capital One so signing up for it was a mistake but things just got worse from there. There are hidden fees, a high interest rate and technology is way out of date. Takes multiple business days (7-10) to process a card payment online otherwise there is a $10 fee for express payment. Not compatible with financial planning apps like most other banks are. When I called in to cancel my account, they tried to cut down fees instead of canceling the account without my permission. Shady company! If you have to use this company to rebuild your credit just be careful and double check every charge. ONLY sign up if you have NO OTHER OPTION!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d629e095d38f41aeab979fd45e68d3a0
encoding: FLOAT32
metadata:
{"chroma:document": "Their APR rate is ridiculously high, their customer service representatives are very rude, unprofessional, and dismissive to customers with complaints. They also charge a fee of $9.95 for expedited payments (which is forced) and a ton of hidden fees. It's like you're payment just to own the card. If I could give Credit One Bank a rating other than the options that are given to me it would be a negative 10! HORRIBLE!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd5f075e74f44f00a25fa44feb8c6312
encoding: FLOAT32
metadata:
{"chroma:document": "Please don't waste your hard earned money with this crap. I have had this card for about 6 months now. In the beginning things were perfectly fine. Then I go to check my statement. And not even 24 hrs of me paying the bill. Someone charged my account 55.00. Leaving me with a 3.00 balance. They said they would file a claim but it think she was just blowing smoke. As soon as I can pay it off. I'm burning it... Do not sell your soul. Because they will do so."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e63811a823c4ee49c6c9eca2cddc7ca
encoding: FLOAT32
metadata:
{"chroma:document": "First off I would give them 0 stars if I could! I will begin with how disgusted I am with this company. They are the biggest scam I have ever heard of! Unreal, I was robbed of my purse and my whole life was in there in November of 2016 and all my credit cards and information was stolen. I was also hurt during the robbery and have a police report. They sent me out a replacement card very quickly but, my limit was reached so I have not used the card in months prior to the theft. And, I was faithfully making payments before this happened to me. Anyways, I have called explained my issues and have made several payments to them in the meantime. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d7a26ce2d2234028ba83b43eca285c9b
encoding: FLOAT32
metadata:
{"chroma:document": "This credit card is a scam. One: you sign up to make online payments and you can't get in the system to pay your bill. Two: they immediately charge you a late fee and send a new bill. Three: you call and tell the supervisor you're having a problem with the sign and miraculously your username and password work! Then you try it again and whatever the supervisor did to get you in the system it no longer works. Is it a coincidence that you suddenly can't make online payments when you were able to do so in the beginning? I can't understand why Capital One, Discover, Bank of America accepts all your payment as many times as you want during the month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8aebe2c6fd9246bcbbd89957e69da971
encoding: FLOAT32
metadata:
{"chroma:document": "I was behind 3 payments and did everything to make up the payment and they actually will not accept my payment! Unbelievable! I also was behind on my Discover card and they were more than happy to work with me. I never in all of my life came across a company that will not accept your money! They are rude, disrespectful, can't hardly understand them! I will never use them again! If I could rate them lower than 1 star I would."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8124bf15a39745c3ba6fd9368f2e6ec8
encoding: FLOAT32
metadata:
{"chroma:document": "After hearing two months of using their service with Credit One Bank credit card I have now been submitted payments of 8.25 a month that must be paid to have a credit card active. Lady said it was on the sheet that I received when applying for the credit card. Don't know if it was but that's a **. So now they can turn around and take my credit card back for all I care. Paid off balance is zero. Nobody get this card. Extra fees left and right. Try to make you pay to get a raise on your credit line. On my credit lines pretty much a 700. What a joke. Don't do it folks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61bea18636df471a82551fd2402b8c50
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst company ever!!! Not even worthy of 1 star. I only got this card to build my credit back up after my divorce and bankruptcy. I used it and paid it off every few months. I had it paid off, moved, and called to change my address. They didn't change it. They were charging me 6.50 each month and I didn't know it because I never received a statement then out of the blue they call and are very rude demanding their 19.00. I said I didn't know what they were talking about. I hadn't seen anything and my account was paid in full. They were extremely rude and said, \"Don't you check your account every month?\" I said, \"No. It was paid off and I haven't used it!\" I paid the 19.00 and they reported me to the Credit Bureau in 2015. I called and asked them to take it off they said no. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c477eaa4d35443048fbfed910bf2dcce
encoding: FLOAT32
metadata:
{"chroma:document": "We gave Capital One access to our bank account to withdraw all their payments each month which they wouldn't and when we call about it would withdrawal it late causing my credit to be lowered. We gave up because tried paying them off and they would not cooperate with us... I suggest anybody not to invest into Credit One... They will ruin your life. Now we can't get a home BECAUSE of only one bad credit report which is Credit One. Other than that we had no problems but they will not work with you."}


