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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???


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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.


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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.


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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.


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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.


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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’t 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 “Jeffrey” (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. 


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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.


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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. 


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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.


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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.


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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.


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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’t understand a word any of them are saying. DO NOT open an account with them!!!


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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.


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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...


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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’s 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.


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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.


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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.


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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. 


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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.


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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. 


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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.


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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.


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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’s 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.


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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.


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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.


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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.


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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.


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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 “HELP” 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.


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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.


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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. 


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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.


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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...


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Got this card and was excited as my credit wasn’t 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’t 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’t 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’t be soon enough.


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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!


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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.


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I’ve 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’t 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’ve 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’t posted and I can’t pay they hung up on me. Which pissed me off. I called back asked for a supervisor who spoke no English. 


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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)… 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!!!


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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.


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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.


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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.


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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.


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Platinum Visa - This is absolutely the worst card to apply for. I wish I would have done research before I applied. There’s no way to get in contact with an actual human being. I have a charge on my account for something that I didn’t purchase and now my account is negative. I’m gonna pay this off and close my account asap.


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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".


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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).


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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.


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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. 


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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’s what I was told… “Congrats instead of paying once a month we charged you the whole 60. See now you don't owe us again for a year.” 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.


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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.


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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!


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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!!!


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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!!!


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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.


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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.


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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’m 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?


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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.


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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. 


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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.


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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.


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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.


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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!!!


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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!


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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!


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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.


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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?


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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.


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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. 


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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.


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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!


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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.


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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’s 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. 


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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!!!


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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. 


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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.


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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.


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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’s time for my attorney to take action.


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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.


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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. 


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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. 


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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!


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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.


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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.


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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.


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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. 


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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.


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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.


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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.


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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.


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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!


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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.


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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.


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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.


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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!


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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.


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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.


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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.


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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.


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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.


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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.


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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!


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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.


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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.


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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.


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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.


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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.


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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.


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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. 


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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. 


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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.


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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.


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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...


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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. 


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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.


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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.


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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.


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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.


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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.


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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


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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!


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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.


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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.


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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.


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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. 


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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?


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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. 


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$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!


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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.” Therefore, no integrity.


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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. 


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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!


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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.


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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.


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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).


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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. 


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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!!!


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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?


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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 “No ma'am we are not reporting to the credit bureau.” 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.


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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.


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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.


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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.


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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.


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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.


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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. 


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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!!


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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.


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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.


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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...


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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.


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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. 


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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.


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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.


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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


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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.


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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.


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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.


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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.


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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!


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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.


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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.


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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. 


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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!


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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...


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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.


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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.


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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.


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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! 


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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.


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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.


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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.


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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. 


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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!!


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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!


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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.


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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?


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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.


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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.


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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.


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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. 


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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.


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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.


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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.


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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.


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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???


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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!!!


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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.


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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.


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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???


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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.


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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!!!


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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?


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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. 


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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.


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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.)


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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.


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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. 


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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.


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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!!!!


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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.


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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. 


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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. 


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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...


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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. 


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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.


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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!


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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.


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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!!!


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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.


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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!!!


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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. 


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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.


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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.


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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.


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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!


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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.


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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.


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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.


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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.


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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.


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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. 


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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." 


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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?


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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.


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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. 


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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. 


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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. 


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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.


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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!!!


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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.


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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.


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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.


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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.


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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. 


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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.


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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.


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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.


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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.


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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.


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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.” 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.


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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’ interest. I told them it was too late and to just close the account. They did and billed me a last month’s 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.


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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.


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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. 


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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.


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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.


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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.


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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.


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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...


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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!!!!


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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.


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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.


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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.


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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.


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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.


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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.


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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!


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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!!!


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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.


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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.


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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.


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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!!


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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!


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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???


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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!!!


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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.


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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.


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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.


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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.


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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.


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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!


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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!!!


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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.


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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!


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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. 


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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!!


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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. 


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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!


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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!!!


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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.


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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. 


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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.


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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.


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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.


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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. 


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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.


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By far the WORST credit card company I have every experienced for handling a lost or stolen card. My daughter's wallet was stolen from her car and the scumbags charged everything they could before we could shut off the cards that were in it. Wells Fargo immediately reversed charges. Credit One Bank however refused to reverse charges until they received a signed affidavit which they never sent to me. The only thing I did get was a letter that stated Credit One Bank determined that the transactions were authorized and not fraudulent based on the fact that the purchases were made in your surrounding area. Well, NO ** SHIRLEY!! The thieves picked up the wallet and went shopping... Until the cards were shut down... DUH! 


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I made the mistake of not researching this company enough before applying. Please read the reviews posted here before thinking about dealing with this card. They are a huge scam and rip off. I finally paid the two cards off I opened and tried canceling them, which was not easy to say the least. Their customer service is the worst. They will keep charging you at every turn. Please find another card elsewhere. Only do this if you are TRULY desperate. Even then, still try and find every other means of support aside from this company. They will ruin your credit. HUGE MISTAKE!!! TURN BACK NOW!!!


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First of all, I failed to notice that the "Credit One Bank" logo was a direct copy (rip-off) of the "Capital One Bank". THAT was my mistake. In January of 2017, both credit card accounts were paid off in their entirety. Not one red cent was owed to this so-called 'bank'. In addition, neither card was used AT ALL since paying off the accounts. The trouble started when we received notification that we owed Credit One Bank $41 and change. REMEMBER... the account balances were ZERO, AND neither card had been used. This scam company attempted to charge us for "transactions" NONE WERE MADE, "late fees" LATE FEES WHEN NO PAYMENTS WERE DUE? and other miscellaneous charges that were not understandable.


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Had card less than two months. Had to call customer service three times. Today I told them to cancel my card, that I didn't have time for the bs, every couple of weeks, he continued to be rude, overtalked me and told me to do the math. The last pay I made, it showed 0 balance but now they were charging me interest and the card was paid off. He argued with me over canceling it like I wanted. No time for this bs.


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Once I decided to get the offer nowhere did I see a 75.00 annual charge to open it. After calling every phone number they have on their website and the back of the credit card, I am unable to cancel my card and I wonder if anyone has a live phone number they can help me with. I am freakin' out now I have read some of these reports of charges they didn't make and the hell they are going through to dispute it and I want out and my 75.00 back!


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I have been a customer for almost a year. I use this card frequently to help my credit. I am now in the works of buying a house and I'll I need is a letter fax to me with a balance to finish the process. I have talk to them every day for a week 4 times a day and still do not have it. I now have to wait for my statement to come out before I can buy my house. So thank you Credit One for all your help.


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This credit card company (Credit One) is engaging in unethical practices. I can never log on to the account to review statements and activities, which is a common complaint, and when I make payments it takes several days to post and then I am assessed a $35 late fee when it was paid on time!!! The reps try to encourage customers to pay 10.95 for express payments, a way for the company to get over on the consumer. Recurring payments cannot be set up so every month I have to sign on to the account and I cannot access it. When I call they offer to take the payment for $10.95. There is no accurate way to keep track of the account, even with paper statements. I went back and saw where I had been billed late fees multiple times over the past year when payments were made on time. No one speaks English so you can't understand. This is frustrating when all you want to do is manage the account!!!


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I wanted to reestablish my credit. They kept sending me notices so I accepted. I didn't read up on them until I realized how much money they have robbed me. I can't understand why there is no class action against these loan sharks. They are comparable to payday loan sharks. People don't never ever, never ever get this card or use this card. Shred it up. Shred every pre-approved notice. PLEASE.


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I would not give this card even 1 star. At first things were fine. But then I guess I messed up 1 (supposedly 2) payments by accidently using wrong bank details for payment so just for that they closed the account. Which whatever I am fine with that. But I could not get on the account via web to see anything at all. I've spoken to them via phone a few times and they are stupid, rude and don't help. They want to say the account is closed yet when I paid the balance in full just now then they added "the charges will be posted to your account on so and so day." I'm like if the account doesn't exist how is it going to be posted? 


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Just received my credit card about a week ago and was charge 6.95 for the card, 75.00 yearly fee and was add in the credit protection that I was never ask about. So I had a balance of almost 100.00 on it. When I call the person was rude and I was told that I knew about the yearly fee of 75.00 and the other fee. I was told I had to paid for the fee. Paid the c.c. and cancelled. ***STAY AWAY*** Go to Capital One if you need a good credit card and with no yearly fee, no card fee and better credit line.


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I was going to make a payment today and when I called they told me it was going to cost me $9.95 unless I did it online. So I tried to set up an online acct with no success. It kept giving me a password error even though I did it by their instructions. Needless to say I ended up paying $10 to make a payment to them. This means not only are they getting interest they're getting an extra $10 on top of that every month. I tried calling them to figure out the problem but that was like talking to a chimp. They had no idea and they are suppose to be the online tech support. I'm paying off this card and cancelling it. Do yourself a favor go Capital One. They are amazing.


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I am very thankful I was able to use Credit One Bank to rebuild my credit! After going through a messy divorce, my credit score was in the mid 500 range. I received a pre-qualification letter in the mail and was approved online. I used the card for gas, and enjoyed the cash back that I received from that. I paid it off every month, and within 18 months was able to drastically improve my score and was approved for a card with fewer fees and a lower interest rate through Amex. Yes, it is a little pricey to use, but can help with the credit rebuilding process. I received many offers to increase my limit for around $25.00. I ignored those and a few weeks later was invited to increase the limit for free. Be patient, don't carry a balance, pay the bill on time, and you will increase your credit score!


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They are very annoying when you miss one payment. Of course they lie to you about the policy. One tells you something then the next day it's not true or they don't agree with what they agreed to settle with to pay off your amount. They reported my credit because I owed them $1 after I finally paid them off in zeros!!! They even tell you "Congratulations. Your account is in $0!!!" A couple months later, I owe them one dollar and then they report it to my credit history!!!


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I just tried to make payment online with no luck. Every month I try doing it online because pay by phone charges a fee. And if you send in mail be sure it's at least 2 weeks before due date or you will get charged a late fee. I sent one in 1 week before and was charged a late fee. Today when trying to make payment, website kept asking for bank acc. number then asked for amount that was recently put into bank account which my bank acc. did not show. So I called customer service to ask about. They said this was to verify bank acc., same one I had been using, so why do they need to put me through all that trouble. 


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Try to make a payment and now I have to jump through hoops to get payment made. I now have to wait for them to send me information so I can send it back to them so they will take my payment. So I have closed all accounts I have with them. They make it almost impossible to make payment that way. They can charge you with late payment.


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Get the credit card from Credit One and owe them $75 straight which I paid. The next thing I know they charged me a mysterious $25. I get upset and paid off my balance of $414 on a 5th on March. Two days later they charged $21 from I don't know where. WTF. Now I cancel this damn card and the lady from customer service that I might owe them again. What the ** is happening with this people. Worse company ever. Don't accept their offer. That's a scam.


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I made a payment on my credit card on March 2nd, however, today 3/7, there was an unauthorized payment for 150.00 that is trying to go through my bank account. I send them a check every month for my payment. I do not pay online or via phone. My bank said they used my routing and checking account number and since they didn't put a "check number" I have to pay 35.00 to stop the payment and then dispute it. Credit One says they do not see anything on their side that "someone from my family must have made the payment." They want a bank statement mailed to them to their P.O. Box in Las Vegas to "prove" there was a charge since they do not see anything on their side. They said that mailing that information was the only way. I think they are making payments and pocketing the money which would explain why there is no record online of the payment. I have never been late or missed a payment. This company needs to be investigated.


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I should have read the reviews prior to accepting the offer. I received the card in the mail and a bill for the $75 annual fee the next day. I was traveling so I did not have time to activate the card. I attempted several times to setup an online account but the website was either down, or errored out. I tried for several days. I decided not to activate the card because I was very nervous about this company after having so many issues before I even used it. I've received messages to my email saying welcome but still not able to access the account online to see balance or pay the activation fee. 


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This company has been adding enormous fees daily to my card. They call me every day and literally 5+ times in a row! They even called me on Sunday at 7am!!! When they called back, my sister answered the phone and told them I was in the hospital! They insisted on wanting money and gave her personal information. When she informed them that it is illegal for a debt collector to call on Sunday, the man stated it was a business matter, not a collection call, then got irate with my sister and hung up on her! I refuse to pay hundreds of dollars on bogus late fees! I also refuse to give them my checking account information. I have tried to pay what I owe on several occasions by other methods (money order and prepaid debt card). They refuse to accept that form of payment. Beware of this scam company! I am in the process of writing to my states attorney general, the BBB, and the Federal Trade Commission! This has gotten out of hand!


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I've had nothing but problems with this card from day 1. I tried to make a payment online and it would not allow me to. I called to speak to someone and I was told by 4 different people corporate office included that the fraud department does not allow multiple payments in a 30 day period. They were all very rude and gave me the run around. I DO NOT recommend anyone to use this company.


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This was my first credit card and the credit limit is $650. I now have a Capital One card with a $12,500 limit, Bank of America $17,000 limit, Luxury MasterCard $25,000 limit. My FICO score is 787. My total debt on my credit report is only $282. So I figure let me call Credit One and ask for a credit line increase. DENIED. Once I get over the shock of it I will call Credit One back and close my account.


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CREDIT ONE IS INTENTIONALLY ruining people's credit and it all starts with their call center. Also not allowing clients to log in to the website and forcing you to contact the call center to collect a payment fee is fraudulent. My account was unexpectedly closed and I never missed a payment. CALLED OVER 30 TIMES to be intentionally placed on hold for 30 minutes or longer. Intentionally closed my account, charged it off, and marked as delinquent when I never missed a payment. I'm a paralegal and Bankruptcy Supervisor at Law Firm. I'VE NEVER BEEN SO MISTREATED AND INTENTIONALLY set up like this in my entire Life!!! Getting ready to sue.


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Should have never applied. They tell you the card has a set limit, you set the limit and before you know it it's over the limit you personally set. A 500.00 dollar limit is not turned into paying back 600.00 dollars. How is that possible. Terrible mistake. Once paid off I will most definitely CANCEL this card.


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Credit One Bank credit card is the biggest rip-off. The interest rate is astronomical. They prey on people who don't have good credit. When you make a payment, it takes 5 days to post. Your balance changes everyday. They charge for everything. They claim, "If you want available funds sooner, make an express payment of $9.95" but it still takes 5 days to post. The representatives double-talk you and do not speak good English because you are speaking to India. This card should be banned. I wouldn't even rate this card.


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On December 2, 2016, I found what I thought was unauthorized usage on my checking account with USAA. I contacted the credit card companies I thought to be in question of said usage and was advised to report possible fraud to my account with USAA. Upon doing so and subsequent to their (USAA) Investigation, no fraud was found. During this Investigation USAA stopped all payments associated with my account and reopen them paying said accounts, except for Credit One who closed my account with them.


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Each month you get your bill and look at it and you notice the Credit Score moves very slowly. Stays below 699 and has never gone above. I opened a monitoring company system and Tracked it for 8 months and their scores never went above 680. But the same company that reports to them is between 65.00 and 80.00 higher than Capital One using the same credit system Advantage Plus. showed min 735.0 per month. Then my wife is the same and she shows a larger spread on her card. Credit One claims it on Credit company but credit company claims they at Credit One puts the Score down and not credit Companies they report to. I have gone online and have found Credit one is putting down what they think the credit scores. Example my score with AX is above and if I have a score of less than 699 I am declined.


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Terrible customer service. Script readers. I had called to report I hadn't received a new card in the middle of the month. After getting my old card rejected and realizing the card had expired all customer service wants to say is "Card was mailed and you should receive it by Monday". Six days into the new month. So Credit One does not have a policy to get cards that are expiring replaced before they are expired. Customer service becomes argumentative but then offers to send a card out "rush" that will take 3-5 business days. Some Rush. Consumer beware! It seems like an ok card until to have to deal with a real person.


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I was just looking for a small credit card to get started with to help my credit. Boy did I know what I was getting into when I got hooked up with this Credit One card. I'm advising anyone please stay away from this company they will make your life a living hell. I got behind on my bill during my divorce and this company call and I'm not lying sometime 20 times a day just to harass you if you get behind. I had Capital One also and they was very understanding. It's like owing money to the mob. I think the mob might be a better route. I had a credit limit of 200 dollars after they interest because they add interest every second. Now it's 868 I owe them. PLEASE STAY AWAY.


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I recently called to question a charge on my account and was told I won $108.00 gift card. They put me thru a verification process. When I checked for status again today they said it was a scam. I said "Sir I called you so if you are saying it was a scam then you scammed me!!" I even had a confirmation # which was provided but he kept repeating, "we do not offer gift cards." Very disrespectful. None of them speak English and are very hard to understand. I will be paying my card off and ripping it up.


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The system is totally screws up. I have reset PW and usernames more than 30 times and their system always rejects. When I called Customer service, English was not spoken. Paid the balance off and shipped the card back to them, STAY AWAY.


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They are the worst company you can get a credit card from. Dec. 2016 they over charge my acct. I had to call them. They have very bad customer skills. Now Feb. 21 2017 paid my bill which was suppose to come out of my checking acct. which they tried to take out of my saving. I call them and whoever the lady I was talking to try to tell me that they took out of my checking. She found out they had tried to take out my saving which cause me to have a overdraft fee with my bank. So I use my debit card to pay my monthly statement which they over charge me again. I am so done with this company. I don’t see how they get to report on your credit when they are no go.


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Received a pre-approval letter in mail (actually thought it was "CAPITAL ONE") so I went online and applied & was approved for $400.00 limit. Received card Jan 2016 & when I called to activate it said I already had a $75.00 balance! There was NOTHING mentioned about an annual fee prior or I would HAVE NOT taken the card! Within a few days of getting the card they started calling me wanting a payment!! I have been trying ever since to log into my online account so that I can pay it off and cancel it, but the website tells me that my account is not accessible.


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Credit One credit card charges large monthly fees even if you don't use it and if you get ill and miss a payment by a few days they will ruin your credit score. After having the card for years and never missing a payment, I got ill and missed a payment by accident, by a few days. Credit Karma notified me that Credit One ruined my credit and caused my score to drop more than 100 points. Talked with Customer Service manager to no avail, no empathy or help, told it will take 7 years to drop off this negative on my credit report.


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Well, as I have read here I fall into a like or similar category. My wife ended up unemployed due to a medical emergency, and we were unable to pay all of our bills consistently, we were never offered any kind of assistance. Finally when we were able to pay, we made small, minimal payments for good faith until we could start paying the regular and plus more to get caught up. Made 5 payments in 2 months, and once we got our tax check from the previous year we made a large lump sum payment only to be informed our account is closed, and now in collections for the remaining balance, all within 2 days of making the large sum payment!


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I was not aware this company charges a $75 fee as soon as you sign up. They will bill you $75 even if you do not use the card. When you call to get the fee reduced or waived customer service overseas will talk down to you and say you should have read the disclosures. I told them I would continue using the card if they would partially waive the fee which would be more beneficial to them since they will make more money on interest charges of 24%. Customer service says if you close account we still will collect on the $75 annual fee. Worst scam company ever. Praying for a small claims case.


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I recently applied to Credit One Bank after receiving several pre-approval emails for the past few years & I decided to give them a try! I applied online and called the customer service department several times (whom are all located overseas) to obtain the status of my application. This morning when I called I was advised I was approved and would receive my card within 5-10 days! 


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This company is a madhouse. When I originally signed up for their card, after receiving a letter that I was pre-approved for $x in credit with NO annual fee, I thought this might be a handy card to have. I received via email: Credit One Bank Approval Notification, then, Your Card is in the Mail, then, Activation Confirmation, and finally Welcome to Credit One Bank.


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It's a legal scam! I paid off the balance of $264.00, asked them to cancel and close my acct on 12/20/16. Then, in Feb. 2017, I get a past due bill of $39.47! (for what?) Called them which was a nightmare in itself. They said I owe the $39 + because it was a service fee PLUS an interest fee on the service charge! Seriously!! They count their own fees as a purchase and charge interest on it. Finally, I got a bank cashiers check, mailed it registered mail, overnight service along with a letter requesting they cancel my card and close my acct. I expect for more fees to be added for the 2 days it took to notify them and pay the balance... thus, my bill will continue on and on and on. I will be surprised if they accept my letter of cancellation with the payment as proof I no longer owe them anything. It's nearly impossible to cancel this card! I just want this card out of my life!


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I was trying to rebuild my credit so even after all the negative reviews I thought - ok I'll try them. Actually ended up with 2 cards from them - set up online payments and paid more than the minimum every month always early. This past December I logged on, made payment. Realized about a week later it hadn't hit my bank account. Logged back in - they showed payment, then it was reversed. They charged a late fee. I thought ok - same bank account I have been paying out of for two years with no issue, maybe there was a glitch, I went into the "confirm account", re-entered the info and then again submitted a payment. This time when it hadn't hit my bank in three days I logged in again - it still showed the payment as having gone through. I waited 2 more days and checked again - now I can't even log into my account.


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For the third time CREDIT ONE has made a UNAUTHORIZED withdrawal from my bank account. A amount that was over my credit limit for the card. They make unauthorized withdrawals and then their excuse is that they don't know what happened. So for weeks, until I stop payments and cancel everything, I don't have any money because my bank account is on hold AND EMPTY! Do not give them your information or they will clean you out. Cancel your cards immediately because they are the ones causing the issues. This is the THIRD time this has happened.


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I applied for this credit card to help me rebuild my credit after a divorce. I have never made a late payment. They have a high annual rate and a low credit balance. I just called to cancel the card and they tried every way they knew how to try to get me not to cancel the card. They told me that by canceling the card it would hurt my credit score even though I had a zero balance and never made a late payment. They told me that they would report it to all three credit agencies and it would be best not to cancel. He also told me that I had already paid my annual fee for the year and I wouldn't have to start paying another annual fee until September and something about using that money I was paying in annual fees to be able to buy more on the card and pay on it. 


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Annoying as heck!!! I agree with the reviews. They call you 5-6 days before the payment is due and harass you to make a payment now. Totally annoying because they call every 30 min. Not sure how this is even legal. Paying this card off and shredding it immediately.


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At time I need a credit card the only thing I found was Credit One bank but when I would use my card in Amsterdam NY it would decline then when I called Credit One bank they told me it didn't decline when it did so stopped using the card and stopped ALL payments but I need lawyer to look into this but I have no money for a lawyer to look into this so I need help here.


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If I could give zero stars, I would. I've never dealt with a more incompetent company in my life. Gonna list out a few issues I've had. 


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Mob style tactics to collect and overcharge fees and penalties. It all seemed like they were willing to help a disabled Vet with financial problems, I wasn't always in distress and hoped to recover my credit rating. There is no way to please these people, endless fees for paying on time, late, whatever, it's a scam to cheat good people out of their hard earned money. I was injured and almost died, and explained to the low-life (probably one of those people who live in the sewer in Las Vegas, and a business in Las Vegas). Anyway, what a sleazy operation! Like the mob, but I borrowed money from a loan shark once and he was more respectful and sympathetic than these foreigners. They have call you and demand you pay them now, with a credit card number.


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Stay away from this card. They sent me a mail offer for a zero annual fee card, I applied over the phone for a zero annual fee card, I got the card and used it to donate $25 to an rabbits rescue organization. I got my first bill of $101 including $75 annual fee and $1 interest. I called them and they said you accepted $75 fee by activating this card and using it (they just assumed that I read their website or the documents they sent with card about the fees). I had no clue that they could send me a card with $75 annual fees instead of the zero annual fee card that I had applied. This is fraud. Stay away from this bank.


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I received a bill from this company. I never signed up for it, nor did I want their credit card. I called customer service. They could not tell me what I was billed for. All they wanted was a payment for 45 dollars. I don't have a Credit One credit card and have never used one. They said it was a fee. They could not answer what the fee was for. If I did not pay it I would be charged a late fee of 35 dollars. I have never used their service nor do I have their credit card. This is fraudulent on their part. They cannot answer what I am getting charged for.


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This company will nonstop send pre-qualified offers then say denied with extremely inaccurate information as reason why. I have filed multiple reports with the government and President's office stating do not contact me. One of biggest reasons is the pre-qualification comes back with extremely inaccurate information which I just verified with the credit bureau. It said my score was 200 points less than what it actually is. If anyone knows how I can file a legal complaint requesting they be fined for violation like you can with the Do Not Call list please let me know. Also from what I read people say you have to pay for this card and it is not in the pre-qualification emails they send out. They are very shady and fraudulent.


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I have been trying to make a payment online for a month, the website locked me out. I called customer service, and first of all you have to understand English before you can correct a problem. I was informed that the problem would be corrected within 2 to 3 business days, that I would be able to make the payment online. A week later the same, no access to the account. They of course will take a payment over the phone, but charge a $9.95 processing fee, yea right! I will be paying off this account, rip up the card, and recommend to all my friends, relatives and everyone on the internet. STAY AWAY FROM THIS COMPANY. There are better options to build your credit!


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I haven't had any problems with them from a personal or professional standpoint (customer service, etc). No complaints there. But holy ** their website sucks so bad. You can either log in to view your account and pay your bill on your PC or Smartphone... But not both! And I'm not talking about at the same time, I mean in general. How the ** can you operate a business in today's society with a website worst than the 90's yahoo geocities? Get your ** together Credit One! God knows you make enough money to afford a better setup. Stop asking Earl in the mail room to manage your sites and hire some real IT personnel! Maybe splurge for an web designer once?


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My card was declined TWICE for a less than $300 purchase. I was nowhere even remotely close to my limit. I knew this so I figured it was a simple mistake THEY screwed up. So I paid with another card but I called to see why I was declined. The first guy I spoke with Sam was a complete jerk that didn't assist me at all, he gave out false info by telling me that $300 was my limit on any purchase. I've made several purchases on my card totaling far more than $300, so that was a lie; which I told him. Then he kept saying he can process the transaction, and I had to keep telling him (A foreigner... Go figure.) that I didn't want it processed, I paid for it with another card! He had the worst attitude and when I asked for his name he said SAM. I asked for a last name. He told me he didn't have one and asked if there was anything else I needed as if I was the rude, surly one. So yes, I hung up on him - but whatever. 


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I was very leary when the CSR asked for my CC number and social security number to access my account. I have a $422 balance and their website won't let me access a detailed statement to see what all the transactions created this balance that I dispute. You have to sign up to have them give you an online statement? I am going to cancel this right away and warn everyone not to get suckered into this as they charge your card $75 right away.


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Why does it take so long for a payment to be processed in 2017? It's complete dishonesty when you're paying your bill using your checking account information and still have to wait 8 days for the funds to become available. How is this so, isn't that like an automatic debit transaction? Credit One makes a profitable business by charging $9.95 for your funds to be available the next day. I recently obtained a Capital One credit card which is what I originally wanted when I applied for the card- I guess I was a bit confused by the logo as they kinda looked the same. However, I will continue to make my on-time payments until the card is paid off. However, I want to thank Credit One for helping me rebuild my credit when no one else did.


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I called to speak to a customer service rep and could not get a live person! I had to continuously push zero on the dial pad, until finally I was transferred to a rep in India! My call was in regards to a payment made that was returned. I was charged $25 for a late fee, even though I made my payment 1 whole day before it was due! Credit One bank routinely rejects payment, and their website is constantly not working! Payments made may not post to your account for "up to 5 days" according to the Customer Service Senior Manager David ID#** who I talked to. I was repeatedly put on hold, and spent 2 1/2 hours on the phone being sent from one "so called" manager to another. 


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Scam -- They charge their annual fee monthly after the first year. That means that even though you should have a zero balance. They are charging the annual fee monthly and taking on significant late charges.


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Awful credit card company beware. This company will tell you that they are in business to help you repair your credit but it is not the truth. Not only can you not access their online system to make your payments online 98% of the time when you do they charge you a fee to make the payment. In addition, their paper statement do not get to you on time so do not depend on those for a reminder or to mail a payment because you will never be on time and they will report you late even though you can't access their system online. This sounds like helping people repair credit, right. Not. And please don't think about calling to let them know you are having trouble because it isn't their problem. I'd do a secure credit card before I used this fraudulent company.


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Worst worst worst place to ever trust with your personal information!!! I will never ever recommend this company not even to my worst enemy!!!! I applied back in Nov. 2016... I called literally 1 week before I applied to change my address! They said it was changed. I move and which then I seen I was approved which I called again to make sure the card gets sent to the right address... Did it? Noooo they said I never called to change my address. So I let it go maybe thinking it was a minor mistake. Well I was wrong. Again I changed my address. By now I got two address changes through the mail at the correct address. Stating "Your address was changed" but I still have not yet received my credit card. 


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I was a victim of fraud. My credit card was stolen and Credit One was so rude. When it came to helping me nobody could answer my questions. They wouldn't credit back my money and they wanted me to pay the interest charges on top of everything. Rude representative. Just terrible. This company is awful. All I wanted to know was why they kept letting my car go over my limit and did not decline the charges and nobody would give me a straight answer.


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I have two credit cards from Credit One for a couple of years now and I haven't had an issue! Yes, they have suspended my card due to suspicious activity - all credit cards do - but all it took was a 2 minute call to update my info and the card was active again. I have disputed fees and they have taken care of them. Most recent, I had fraud on my account. They closed the one card and sent me a new one. Then, as all credit cards do, they requested an affidavit and a police report. They took care of the issue with no problem. I reported the issue to them in Dec. They sent me a letter stating they were looking into the problem and asking me to fill out the forms. This was all handled by the end of Dec. End of January, I received a letter back stating they have taken care of everything-  but also asking to contact one place I agreed I was responsible for the charges at because they had issued them a refund. The credit line increases are great as well :)


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Don't use the credit card company!!! SCAMMER, should not be allowed to continue business. They will charge you a "annual" fee that is billed monthly, will charge you a $28.99 late fee on their own monthly fees plus interest, then places a delinquency on your credit report and refuse to take it off. They don't not offer a autopay service, because they want you to be late. When you call to cancel they will not let you until your balance is cleared that takes several days. STAY AWAY. This company needs to be investigated by the FTC.


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I have explained over and over with this company that I was unemployed and as soon as I got a job, I will pay off the card. Why is it necessary for them to call from several different phone numbers in the same day. What I don't understand is through this, I have yet to receive a pin number that was requested twice in July. This place will be the first thing I pay off for sure...


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I just got this card less than two weeks ago. When I saw the due date was set on the 2nd of the month, I went in to try and change it. It will not allow you to do that. I called. They said there is nothing they can do, they can change it, but it will take two billing cycles. I said "well that does not help me, I don't get paid till the 3rd." Of course no one speaks proper English, they are in some third world country. I said "fine, cancel the card." He said "fine, but you are still getting charged a late fee next month." This is how you want to treat a new customer. This company sucks in customer service.


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Any credit card that puts any persons in debt in NY state before they even receive it is illegal. As first premier bank does the same thing tacks on a yearly fee of $79. Credit One tacked on a fee of $75 plus I see they are charging me $99 a yr to have this card. I am filing with NYS attorney general as he stopped first premier won a lawsuit and he will do the same with credit one. AVOID this, card at all cost. I paid on time and even before, my due date. This card is crap. They lie about raising your credit limit in 5 months. Never happens which is a good thing. I have maybe 40 to pay it off and I'm closing the account. It's not worth having such a low rate credit and paying a high usage fee of $99 a yr not including the 8 they add on monthly for even charging anything.


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They call you 5-6 days before the payment is due and harass you to pay now. You have to pay to make a payment. They charge you a fee to pay your bill on the due date so it will post on the due date. Bad customer service. Cannot understand what they are saying.


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So far my experience with this creditor has been unpleasant to say the least. In July of 2015 I tried to apply for a card with them and was taken through the ringer about verifying my info. They claim that everything has to be mailed to them in Las Vegas, but after mailing things to them they seem to get lost. So I gave up on them. About a week later I received a bill telling that I owe the annual fee. I called them and told them I got it and I shouldn't have to pay it because they never mailed me the card. She put me on hold for a good 5 minutes just to come back and tell me that they could not do anything about it other than to put in a claim to have it reversed. 


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Credit One Bank closed my account with absolutely no notice or communication. I lost my job and had defaulted for 90 days, but paid off my account in full, including all fees - and an additional fee to get the payment in as soon as I could. I received a confirmation of this, notifying me of when my available credit will become open again, which it never did. Finally called in to inquire about that, and that's when they told me my account had been closed and I am not eligible to reopen. However, my online account is still open and tells me everything is OK. Extremely shady - highly recommend avoiding this company.


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I have had the worst experience with this company from the outset! Their customer service is based in Manila, Philippines and they are the most arrogant, unprofessional, and worst Customer Service reps around!!! I thought that I would beat the endless automated phone system by speaking with a Spanish speaking rep, but to my surprise their rep spoke Spanish worse than their English. I'm IRATE at the fact that they want to charge you $9.95 to do an express payment to pay your monthly payment. I was told that one of my payments did not go through and that I was charged a fee of $25.00 for a returned payment. I spoke with a supervisor and I was told that if I made a phone payment with him over the phone, I would have the fee waived. Boy was that a lie! I was charged the fee on 1/26/17 after the supervisor told me that he would waive the fee.


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Unlike the review: L. S. of Kansas City, MO on Jan. 24, 2017, regarding Credit One Bank, I experienced a positive response. I developed throat cancer over the years, which was diagnosed in Spring of 2014. I knew I would be out of work, and called all my credit cards to see how they could help me in maintaining my financial dignity. All three of them did, Discover, Capital One and Credit One. Credit One required that I sign up for credit protection, which cost me monthly; the other credit cards did not charge me at all. Credit One required that I be on the credit protection program for 30 days before the protection would become effective. The other credit cards placed me in immediate protection... Well 48 hours anyway.


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If giving a zero rating were possible, that's what I would've done. First, I tried to make a payment online and it wouldn't take my payment information. When it did finally take the information and I tried to continue with the payment confirmation, the site kicked me out. I decided to call, the first representative (Philip. Beware of Philip) was extremely rude and hung up on me. The second (who wasn't much better) told me that you can not schedule payments online or over the phone, unless scheduling a payment to come out the same day. I will not be doing service with this company again and I would advise anyone else to stay away and find a reputable credit card service.


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Write letters to your Attorney General explaining your experience so that this company can go out of business and stop scamming innocent people. This credit card will cause you to have MORE bad credit problems. BEWARE!!! DO NOT be so desperate to accept this card. Get a secured card and then get a reputable builder credit card with Capital One or someone similar. (Not First Premier, Credit One, Indigo or any similar type of cards for bad credit.)


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Foreign customer service. Crazy Low credit limits. Credit Score 700+. Homeowner. Low balances. Income 200K+ verified. Just got approved for a $12,500 elsewhere. They approved me for $500 and would not increase it.


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This is the worst credit card company I have ever had. There are a lot of charges on my statement I did not do. I call August of 2016 to dispute and I was under the impression the dispute was being work on. Come to find out, I am still dealing with these dispute charges since August and we are now at the end of January 2017 and I am still dealing with this one again today. 


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The company answers and is the Philippines. They are hard to understand, the money was there and I spent it. I get it, the fees pile up and when you bounce one payment back they close the account down. I tried to call and ask if I can re open it if I get caught up and they closed my account down. I have no motivation except pay it off before they damage my credit. It's almost like these guys are hired by credit bureaus to destroy your credit. STAY AWAY!


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The all day long blocked calls are really starting to become a problem. It's 8 pm and I am still receiving phone calls from a customer service agent by the name of Sandra. I told her that it was not ok to call me all day and at this late hour, she said they are open until 9 pm so they will call until then. They are extremely unprofessional. Once my balance is paid off I will be canceling my card.


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I applied for a Credit One Bank credit card just to see if I would be approved. I was approved for the credit cards. I received them in the mail, but immediately cut them up and did not activate them. The next week I received a bill for $94 for a card I never even activated or used. I hope that Credit One Bank understands they will never receive a penny for that bill!


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I had a credit card with Credit One Bank and I never had a problem with their services until I was involved in a car accident. Due to this accident I received broken bones in my arm and was unable to work for a period of time. I advised customer service of my situation and not once was I advised to contact the consumer department that handles hardships until after I paid the card off in full. They immediately closed my account first and then advised me to contact that department a month later. 


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I accepted the card offer and which every month I have had a horrible experience paying my bill. They charge you 9.95 for express 24 payment but it never posts then you're told to pay on website to avoid the fee but both standard and express still post 5 days later. You pay express and if you pay 500.00 only 100.00 will post in 24 hours. The rest in 5 days. That is not an express payment. They stopped a payment by their mistake, put it on my credit report then I had to get my bank to fax a letter telling them it was not a fraudulent payment. The money was always there but it still took them 14 days for someone to read the text, another 7 to verify the letter with the manager of the bank faxed himself then another week to reactivate the card. I would have just let it go but I just started rebuilding my credit.


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I have attempted to log in to make my payment for the past 2 months, and keep getting an error message. To add to that Credit One is charging me a fee for a late payment. I have to call to make a payment. It is very unfortunate I cannot even access my account to obtain payment due date information, or payment amount due information, etc. I have explained this for 2 months. This is NOT acceptable.


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I made an express payment and this company couldn't process my payment immediately for a family emergency. I was on hold for 35 minutes. I was told several times it wasn't a supervisor available. I was told a supervisor would call me back. I waited 2 hours, no one called me back. I called the company back and still didn't get it resolve. Very poor customer service and poor company. I will be letting them go.


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We fell on hard times. Loss of employment and finding a job at 62 is impossible. 80+ applications out there. We fell behind in just with Credit One the fees adding up, we paid $100+ every month hoping we could catch up and called. They blocked us from the website to make payments. I called and begged to just give us time and our SS (forced to retire and take SS). They told us our account was closed (no problem but let us pay it down) and we were being sold. This happened really fast (3 months) and they had no understanding at all. They said we could not make a payment only the full Balance. Now I am trying to rent an apartment and my credit has plunged. Stay far away from this bank. Even when you want to pay and give them money to make things right you can't. Why would they not want you to pay them? I offer $500 and said I could work on really getting it down as we are now getting SS and Pension. This did not matter. Stay away!!!


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This company is a joke. Never used the card and I get a bill for a $75 annual fee and I turn around and cancel it. Few months later I keep getting a bill from them. I call and they said there is a $14 charge on my card. I said how is that possible when I've never ran the card? The representative I was talking to kept getting an attitude with me and my mom. My mom took the phone and asked for a supervisor and the supervisor kept getting an attitude as well. Finally after an hour of fighting over the phone they finally filed a theft investigation and supposedly closed my credit card. I'm warning you people... Do not open an account with these people. THEY WILL RIP YOU OFF AND RUIN YOUR CREDIT!!!


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Applied cc from this bank several months ago. Did not activate the card until couple days ago and got a call today that I am 5 days late on the annual fee of $75 I did not know about; SHOCKED! Called the number left on my cell - spoke to 5 people from the bank and finally someone who speaks got the message; I have been trying to communicate and understood me. Took out the $25 late fee and $25 from the annual fee... Then I felt like the rep I was talking to was rushing me off the telephone... hmmm. I'm paying the balance and closing the account anyways... thanks for the 2nd chance but services you are providing is not helping but rubbing hard working people.


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If you are looking for a credit card, I would advise you in the strongest terms not to get this one. For one, when you want to make a payment online, they ask if you want to make an express or standard payment. Express charges you $9.95 and post in like 2 days. Standard does not post for 5 business days which means you could be counted as late if it doesn't post soon enough. And then they will ask if you want an increase of like $125, but will charge you a $25 fee. Then when you make a payment and you pay like $25, you will find that only $5.00 went towards paying your bill and you balance is higher on your next statement than it was before making your payment! My suggestion, please find another card. You'll never get out of debt with this one unless you pay it off all at once.


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I have had the most horrible troubles with this company processing payments. Not only do they not accept internet quick payments, but they also require you to send proof of payments in the mail. No email or faxes are available. I made my payment to them a month ago, have had to call them about a late fee I received, and my bank has proof they've already cashed the check! As soon as my payment goes through, I'm closing that account. What a bunch of crooks. DON'T GET THIS CARD!!!


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I would never recommend Credit One Bank for a credit card for anyone. If you have bad credit and you are trying to restore your credit, find another place, any place besides these people. I will start with the free sign up for the card. It was advertised as no fee the first year. I was charged that fee the very first month. I figured I must have read it wrong and went ahead and paid the fee. I also had to pay a fee to get a second card in my husband's name. So already, I am realizing that this isn't all it was cracked up to be. But I decided to keep the card. I had no intention of maintaining a balance anyway. I planned on paying it off every month or sooner to void interest charges. 


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Stay away as all of the other reviews are telling you. I too have been a victim of this scam (dirty credit trap). I have been working incredibly hard on reestablishing my credit and of course, I get an offer from "Credit One Bank". It just so happens that I have a Capital One credit card so my first thought was that Credit One Bank was an an entity of Capital One. I took the bait and right away I was approved. I was excited about the idea that my personal credit was on the way up. Once I setup the account online, I noticed a balance of $87. I then went into concern with how could this be? I thought to myself, I just opened the account with a charge that I new nothing about. To add to the misery, I tried to contact them for an explanation about the immediate balance amount, and I still have not heard from them. It has been almost a month.


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I have placed 3 times a dispute on the same case, following the process required by Credit One (written and signed ) and I have never received an answer or communication from them to know if it proceeds or not. Also, talking to customer services is not worth because they promise to give an answer that never comes. I have talked 2 times: the first time they promise to have an answer in 21 days. When I called, nobody knew about my case so they promise to answer in 48 hrs. In the meantime my charges continue to grow, in spite of not using my credit card. So, I went to Better Business Bureau because there is no other way to get an answer. They don't have an email address, or other fast way, better than the regular mail, to receive information from their customers.


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Received a call from their collection service demanding that I make the payment. Told them how can I pay when I did not receive a statement. He told me doesn't matter I have to pay. Hung up on him. Got online and opened a account to see my billing and my charges made. The account is less than a month old and they said they had sent me a bill through e-mail. Never received anything. The payment due was for January 12th. I opened this account through a flyer I received in the mail. Said "NO application or yearly fee". Was surprised to see a $75 annual fee added to my account. How can I pay a bill that I had no idea it was due. They are on a 30 day billing cycle but I was supposedly billed less than 30 days. Talked to 3 different ladies and could not understand any one of them. Would NEVER recommend this card for anyone. Confusing and very bad business practices.


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My account does not have a balance. It was paid out and they were still adding finance charges. They then began to add finance charges to the $8.25 annual fee. When asked why they add fees to the annual fee they told me that is because I have a balance of $8.25. They will not answer your question on why it is done. One CS just sit there until she got tired of me saying hello, she hung up the phone. I asked why I could not pay the annual fee in one lump payment, and I was told that I could not do that. 


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I just ended a call with an agent that is clearly in the Philippines. I expressed my outrage regarding the LIE that your funds will be available 24 hours after payment for a "nominal" fee of 9.95. Words of advice...only use this option if you are going to be late paying. Late being you didn't give yourself a whole week for it to clear (which is ridiculous). 


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I received prequalified/preapproved letter for 2500 dollars the first week of December. I looked at reviews online & saw mostly negative but decided to apply anyway. Got approved for $250. I was ok with that, figured I would keep it as a "just in case" card. I was even okay with the $75 fee being taken off immediately. I still had not received my card after New Year's. I called into customer service and told them I'd like to cancel it. They credited me $25 and said that they would resend it to me. They guaranteed it be there by January 10th or 11th. It's January 13th today and it still has not come. 


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I sent my info after I got married three times to change my name on my card. It never happened. As of today four phone calls later they would not change my name over the phone. They wanted me to spend more money. Not happening. I cancelled my card. Everyone they have in customer service is overseas. Not in America!!!


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Signed up about 8 weeks ago... tried going to website to pay, unable trying mult. times. So I call the # to make payment with my debit. 1st issue couldn't understand her so I asked where I was calling as I told her to speak English... and I was calling Philippines. Also charged 75.00 annual fee which is not in their info anywhere!! I am canceling this card o ya and 24% interest?! Beware - do not get this card!! And reporting to credit report agencies as well!! So furious.


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I applied for and got a credit card from Credit One. It arrived in the mail with the number to call to activate card. I DID NOT activate the card, thinking I would not use it. I received the bill, on a non-activated card, for the $45.00 fee. I called them to tell them "NO. DO NOT activate." About three weeks later I needed to use the card. Called to activate and then used the card. I have not received a bill after using the card and today they called me and said the bill was 5 days overdue. You call the recording and it says the bill is not due for another 3 weeks. We have gone around and around with people that are VERY hard to understand. Nothing is getting resolved, and will try calling to get an answer again. Not happy! Stay AWAY!!!


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Firstly, when signing up for the card I thought it was for Capital because their logos are the same but it was really for Credit One Bank. I signed up for zero annual fees and no interest for a year. Before I even received my card I had $195 balance from all the fees they charged. I tried calling to cancel because I didn't make any purchases and I hadn't even activated the card yet. They send me to 3 different departments and said I couldn't close it unless I paid the amount. 


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I don't understand why it takes so long to process payments. I always make my payments on time. The payments are debited from my checking account the next day, however, it takes 7 days for the funds to become available. Such an inconvenience at times. Also, even though I pay the statement balance in full and again ALWAYS on time, the company will not offer a lower interest rate. Lastly, but certainly not least, they have the worst customer service ever! When you finally get someone on the phone, they lack professional.


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When making phone calls to ask questions for some reason they are always hard to understand. No matter if the person is male or female. When making payments I've notice that the more you owe no matter if you make payments on time the balance doesn't become available. Some months payments are smaller than others. It's tough to see money vanish when establishing credit. Has happened to me a few times and it seems to be getting to me. Am taking action on calling customer service but I can't seem to comprehend them.


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I have had this little card for about 6 months and everything was fine. I was set up on automated payments and they were coming out like clockwork until the payment for January 2017 came due. The auto-payment feature on their end didn't do its thing on January 6th. I logged in on January 7th and submitted a payment in the $450 range which left about $25 owed (balance). I received an email on January 8th (today) stating that the payment was late and a $25 fee was assessed. It's a Sunday so I'm sure that I'll have to sit on this until tomorrow and try to get this resolved. I don't need this little card anymore so as soon as I can get all this settled I'm going to close it out (I'm thinking that that will be a battle). If you can do without this card, do without it. In retrospect I believe that some of their business practices are a bit sketchy.


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I tried to pay online using my debit card, but they want to charge me an additional $9.95 for the privilege of paying them! **!!! I can register my bank account with them, but then I have to wait for them to make two small deposits and then verify the account. Why can't I just use my debit card like I do with everyone else? When I called customer service, the person barely spoke English and told me the only way I can make the payment without the charge is to mail it in. This sucks. As soon as I get these ** paid off, I am cutting up the card and mailing THAT to them!


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This is the worst company. I have a $0.00 balance on the card. Still I had to pay $8.00/month. One time I forgot to pay, they charged a late fee of $25.00. On top of that, they charged an interest of $45.00 for that. For a card of $700.00, paying $80.00 for no reason is the worst part. WILL NEVER EVER DO BUSINESS WITH THIS COMPANY.


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Lost card. Ordered new one. Paid down old card for refi. Rejected for refi loan because Credit One reported lost card that was closed as still open with maxed out balance. Spent 4 hours on the phone with them. No one spoke very good English. They would not admit to their mistake even though we had Equifax on 3 way call confirming the inaccurate information Credit One reported. Our credit score dropped significantly. No one at Credit One really cared and said they would send a letter out to Equifax in 5-8 days with correct info. Refused to send letter to our lender. Please do not use this card! Could cost you your credit and your home!!!


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When making an online monthly payment if you make an "Express Payment" and pay a fee of $9.95 the funds are available the next day. When making a "Standard Payment" funds are available in about 5 business days although the standard payment amount is withdrawn from your checking account immediately. How is this legal? Normal payments (on just about anything) appear or are available the next business day. How do they get away with this???


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Credit one bank is the worst!!! You miss a payment by a day and they will call you back to back until you make the payment or answer their call. I missed a payment and decided to answer their call. The Rep told me I would need to make a payment of a certain amount, and then he kept pressuring me to pay off the full balance after I told him I wasn't able to at that moment. And when I was hospitalized, I was behind on my bill a few days... They called my sister back to back. Who does that??? Worst company ever!!! Can't wait to close my card. I don't care if it will affect my score. They're the worst!


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Open this account Oct 2015. Had problems from day 1. Problem progressed so bad 3 months later I had to close account and request a final bill. Customer service must be inputting information by hand. Payment made through their "preferred" express method were missing. Unauthorized payments were attempted and when the funds were unavailable my account was deactivated and I was required to jump through hoops to reinstate. The customer service reps have a jr high education at best. I was warned to steer clear of this card but was desperate to improve my credit rating. Mission accomplished but at a cost. Closed account, will never repeat. Beware!!! There are other and better options available.


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They do not provide for automated monthly payments on the online account portal, so that they can catch you with the $35 penalty when you miss the due date. Their website is down regularly (8/9 out of 10 attempts) so if you wait for the payment due date, you are bound to miss it and they welcome the late payment so that they can rip you off with the late penalty fee. They offer small limit increases for a fee! For example: $150 limit increase for an approximately $20 fee! I am definitely closing this account as soon as I can log on and settle the outstanding balance! My advice... stay away from Credit One Bank!!


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I signed up for account with no annual fee. Credit One does not have a standard auto-pay feature that pays every month from a funding source. Standard bank payment takes up to 9 days to credit to your account. Express carries a $9.95 fee from debit card. With this card you "must" keep track and pay early or you will be late. For this reason I use the card and immediately pay off before getting a statement allowing plenty of time for payment to clear. Today I get an alert on my phone that my Credit One payment is due. Thought better check even though I paid off with zero balance. Logged on and discovered I had a balance due on the 5th. Made standard payment via bank as I normally do and noticed payment would not make it in time.


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My account has been frozen since September 4th after a big purchase I made for a little over $500. I have spoke with customer service and the security team several times about this matter to ensure them it was my account and that it was me who made the purchases. They tell me they sent an email to whomever it is working on my account. They say the same thing and give me the run around every time I call. I have Done several verification checks. My license are expired. They have been. I opened the account with the expired license. I also have the receipt for my license renewal. It takes 10-14 business days to receive a license through the mail where I live. What I have done and sent is legally enough for verification. 


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Made a bill payment on 6/29/2023, the funds were taken out, because it was a check to be mailed the payee would receive it on 7/7/2023. No payment was mailed the 29th or the 30th. The payment just processed on 7/7/2023, not mailed. I have a screenshot stating the payment would be received by the payee by 7/7/2013.


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I called in & was told they can see my referral & that if my bonus doesn't hit by Friday, which is today, then to call in or text. So my referral & I called in separately & was told he met the requirements & they will add it in my checking account. Still nothing today. Then I talked to an agent & he told me I had to have the referral call in AGAIN to verify he met the requirements. So sick of of the run-around. I'm about to switch to another bank come Monday morning. My referrals all said the same as well.


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My money was stolen from my account this account was recently opened and I received my 1st direct deposit huge mistake and my money was stolen! Your accounts are not secure and I wasn’t guaranteed to receive my money back after I put my trust in SoFi! SoFi are SCAMMERS!


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I opened an account 2 months ago. I called several times to get the welcome bonus, the manager told to not worry and the bonus was on his way, after making multiple verifications for 20 minutes. I called today, they said it was denied. They gave me shady reasons. How can I trust a bank company that struggles to give $50 welcome bonus. So, my wife also closed her account today.


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I started with a personal loan and they gave me the most affordable monthly payment so I could consolidate some expenses and debt to be able to take on a car payment. Recently I discovered my bank was taking $5 a month out of my small savings because I needed to use some of the money and dropped the balance down. Apparently it costs more to maintain less money in a traditional bank.


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I set up a direct deposit with SoFi from my employer for my paycheck. There was a mistake in the account number I type in wrong... an extra 3.  The routing number was correct and I have proof from my employer that the ACH went to SoFi. I have given SoFi the ACH data and trace number. But SoFi says they can't find the transaction and can't help me. My employer needs the ACH returned before they will reissue the paycheck... SoFi got the money according to the ACH record.... but they "can't find it"! The customer service is so limited that every time I put in a ticket, they say "Sorry, but we can't help."


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I set up my SoFi checking account on February 2nd and added several thousand dollars to it. I got my direct deposit (paycheck) sent to the account and set it as default for all of my credit card payments. Then, today (Feb 28th), they emailed me to say that they had closed it and that they would send me a check with my $7000 in 30 days. I called them but they would not tell me the reason for the closure, and they said they could not reopen it. I have no idea why this happened or why I have to wait 30 days to get my money back. I would recommend using a regular bank account and not relying on SoFi for anything important.


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I have been with this bank since 2018 and had no little issue until late last year when my car was broken into and got my wallet, with ID, ssn card and Sofi checks because I was starting a new job the next day and needed all that for onboarding. I reported this to then bank so no checks got cashed and get new debit cards but didn't insist on closing the account and getting new acct number just kept the old one. Fast forward to this past month, and my acct gets frozen without warning or phone call or email, was at Walgreens trying to get a battery and prescription for my diabetes filled. Called their lovely Fraud department and said fraudulent check back in October was cashed, which was news to me, and the account was locked and nothing they could do about it.


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I was informed this past week from SoFi bank that they were closing my account. I initiated an ACH wire transfer over from my Discover bank account 3 days prior to this. It was over $1600 in my account and they posted the money for me to be able to use it the day after they told me they were closing my account. I can visually see the money in my account yet it will not let me transfer it or use my bank card. I was hung up on by their customer service rep after I repeatedly asked her the reason for them closing my account. I think they are trying to steal my money based on all of the other complaints I have been reading.


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I opened an online checking/savings and investment account. Within 24 hours it was hacked. I found it out and brought it to Sofi's attention. I have spent the last week trying DAILY to get my funds released - emails-calls and I can't get ANYONE to resolve it. So bottom line Sofi has every dime I have and they won't release it.


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My Sofi Money (Checking account) was blocked over a month ago with a balance of almost $10,000, without any explanation. The Live Chat support becomes unavailable while the account is locked, NO email support nor ticket support is available AT ALL, and they will ONLY get a phone call, but SURPRISE, the matter cannot be handled by their support, but by a so called Security Team that doesn't want to talk to the customers in any way. NO live chat, NO email, NO ticketing and NO phone support for their Ghostly security team. The Security team ONLY accepts voicemail. That's what I've been told. Sure, I called several times and left voicemails, but nothing happened.


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I direct deposited and transferred over $20,000 to SoFi on a new account with the promise of a sign up bonus they refused to pay out. DO NOT BANK HERE!! Their customer service is horrible and located you know where…


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Locked out my grandson from his account due to their own error and illegal request to send front & back of SS card for verification. Made a mobile deposit, which they duplicated, then backed out that deposit and locked his account for over a month! They were calling the wrong phone number! We verified his number when we called, but this Charlene ** wasn’t calling his number! Only one email (responded with no return calls) and nothing in the US mail. DO NOT TRUST THEM!!!


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Been with them since 2019. Love their new accounts and never have had a problem with them. They over direct deposit bonuses and now offer 2.5% interest on checking and 3% interest on savings balances with direct deposit. Customer service is quick to resolve issues that come up and I get my direct deposit 2-3 days early each week.


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I have been using SoFi for a year. I have used traditional Banks in the past but really enjoy all the perks from SoFi accounts. I move money a lot and SoFi manages it seamlessly. I think it's nice to earn points that can be used any way the consumer wishes. I added mine to my checking balance recently. All interactions with Customer Service has been top-notch. I believe in mutual respect. So do they. It's a great place for all my banking. I'll be a customer forever.


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I opened a joint account with my wife. She needed further verification because married name didn’t match maiden name. The representative was extremely rude to her and unprofessional. At one point he snickered. He refused to provide her with his name. I closed the account a few days after I opened it. Would never recommend this bank to anyone.


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I love the services that SoFi offers. Fee-free bank accounts, an 1.25% APY on your bank account and everything I need for finances in one app. Personally, I have experienced no issues with using their services and look forward to banking with them for years to come. The only drawbacks that some may face is a UI that needs some updates and figuring out their ATM network for the times you may need cash, but both of those are very minor inconveniences. Overall, I love the service and its benefits. If you are comfortable with using neobanks and don't need the "hand-holding" that traditional banks may provide, SoFi is a great option for all your financial services.


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My account was hacked and my money was taken I reported it to Sofi and they sent me an email stating they didn't find any issues. Even though my account was hacked and money was taken and it even said the person's name that the money was being transferred into and I don't know the person but yet there is no issue there. Therefore I will not be getting any of my money back. So I contacted my lawyer. Today we are filing the paperwork to bring Sofi to court. Not only for them not doing a thorough investigation but for also causing me emotional distress, depression, anxiety. How can a company like this do something to somebody like this. Obviously whoever created Sofi doesn't know what they are doing if they're okay with people stealing money from other people or going on other people's accounts without permission. Awesome guys. I hope you're proud of yourselves.


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I open a checking for a disaster loan. I am all approved just need a bank account and direct deposit by a EFT transfer. So easy right, over 50 account agents. I called tried to find my 25,000 eft transfer. In 14 days I still could not find it. Lost 30 hour of work to date so far no money! They sound nice BUT NO CLUE, brains or common sense. So I have 25k in the cloud still.. Run.


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Signed up with SoFi on a promotion through Penny Hoarder. SoFi gave me $5 in a stock of my choice. I did that, later allowed a bi-weekly withdrawal of $20 from my bank account to use to invest. Suddenly, over $3,000 was withdrawn without my permission. I called immediately. They accused me of allowing someone to access my account and that I had not only done that but also given someone my password as well. Nobody but SoFi and myself know I have that account. I never allow anyone to use my devices, nor would I be so foolish as to give anyone access to my account and password. It's now been a week and they haven't released my money. It's being held hostage by SoFi.


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This bank is INCOMPETENT!! They changed their accounting numbers for their clients without notifying us, thus when writing a check it comes back returned. In my whole life I have never had a check that bounced as I am very specific on accounting. But SoFi changed that! I got a return check for my property taxes not because of insufficient funds. But because SoFi decided to change their account numbers on their checks and the county couldn't locate the account. What kind of moronic bank is this? I will be moving all my accounts from SoFi because this level of stupidity will not be tolerated.


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Fraud. Scam. My funds unavailable. Will not trust to keep monies anymore. The process takes 90 days. My information is not public so how did they get my info? Just FYI to faithful customers out there..


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2-3 day hold on your $. Can't transfer crypto. What investor wants their funds unavailable? Takes 2-3 days to transfer money within app. I had my direct deposit switched to app, funds were deposited Monday, I can't get cash, or access my funds until this coming Monday if I'm lucky. The app developers have serious work to do. GARBAGE!


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From the moment I started my account, nothing worked properly. When I tried to add money to my account from my bank, $0 dollars was the only option and no matter what I tried, it wouldn't allow any other number in there. I contacted support and their one line terse responses were "Put the cursor on the 0 and start type the amount" as if I'm a complete idiot who has never been on a webpage before. Of course, that hadn't worked and still doesn't work as of the writing of this review. I use latest version of Chrome. When I responded to the email support, I got an auto-response that all support is by chat and not email. When I went to chat, it got disconnected. I also found no robo-advisor option anywhere on the website or app that is advertised on their site. After nothing but problems, I decided to not proceed with this company. I do not feel comfortable transferring money to them (and am unable to anyway).


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SOFI is not a good brokerage, I have been facing lots of problem. Initially, they mentioned all trade are free whether it is stock or currency. In the currency trading we gain in micro points and that all benefits go to SOFI and you get nothing. They steal money in the background around 0.02% and if you calculate overall you are gaining nothing. So avoid avoid SOFI, it is very danger.


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I opened an account with this bank, and can not move money out of the account. So I am in need to transfer money out and they at this time have no way to make that happen. What kind of bank forces you to keep money on their platform only. Seems like a scam to me. Obviously, they don't have a working product to offer clients.


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Customer support is abysmal. You would think this company does not want to make money. My first name is abbreviated on my state issued license because it is too long to fit. This is causing issues when trying to open an account. I called customer support and they literally told me they could not do anything to help. Cut and dry that was the end of support. I can only imagine what kind of support you can expect even after you open an account and they are holding your funds. I would stay far away from this organization.


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Great experience. Really want you to be happy and get back to banking the way it was supposed to be. I give it a ten out of ten for convenient banking. I will be a life long member and customer. **.


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Very nice website and its process. Very simple and straightforward process. Had no issues with it. It makes me feel welcome and my life much easier and peaceful. Great banking system. Easy to scan and deposit.


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SoFi policies are from the cave ages. Moving your money into an investment account considered a "settlement" and held hostage for 7 days. Imagine what will happen in the case of a market crash - you will lose all of your assets even. If you are a wise investor SoFi is not a safe place to hold your money.


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I have read reviews here re: sofi.com. I see many are borrowing or re-financing student loans and I am sorry for them. I am new to investing (at 68 years old). I started very small. Sofi.com is seamless and the site points to many helpful tools. I am getting a great education on a very small level. I like Sofi.com for this reason. My motto in life has been cash is king and now in retirement I am building a little money rather than getting nothing from my savings account. A risk yes. There is nothing but risk in life.


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So first time I used it I transferred $500. The app kept giving me an error message. After several attempts come to find out it transferred $500 six times for $3,000. Called them immediately. After 30 minutes and talking to two people they still refused to help. I’ll be transferring back all the $ and going with a different app.


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A few months back, SoFi alerted customers that it was switching to a new bank, resulting in a new routing number. I was left to call several companies that I do business with, to inform them of the change. This including my mortgage company, of which I have two accounts. The month following the change, I logged into my SoFi app to make sure my monthly payments for both of these accounts were debited from my SoFi Money account. I saw two charges from my account, one for each of the loans, and assumed everything was okay. A few days later, I noticed a $20 "miscellaneous credit" to my SoFi account, with no explanation of where it came from. I chalked it up to recent promotion that SoFi was running which offered cash back for eating out at local restaurants.


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My chip was bad on my old card, thought I’d get it replaced and not have to change my card number since it was simply damaged. I was wrong. I use their chat because of course their app currently doesn’t have a selection to replace a damaged card, just a lost or stolen one. I’m thinking there’s an issue with their app, I speak with an agent who I clearly tell I wasn’t looking to have my card number changed. The agent proceeds to change my card number without any warning or explanation as to why it’s necessary. I was advised I’d be able to see my new card info online and I’d be able to use Apple Pay while I waited for my new card..another lie. 


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So they told me all these perks to get me to sign up, because why wouldn’t you, right! Well come to find out they try to take advantage of you I feel, because they lied. I’ve noticed so far is they said that you will get $50 and the person who referred you will get $50 if you open the account and deposit $500 into the account. I deposited $500 in my account immediately I receive $25.00 a week later after I sent emails asking how the process worked (with no response from anyone). The person who referred me hasn’t received a dime I have contacted them through email and I have gotten no response. I also made sure I used the link my friend sent me to sign up. I’m very disappointed I don’t like when companies do this. What so they were hoping we didn’t notice??‍♀️ Shame.


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Initially, SoFi was great. I liked that they cover ATM fees, have a great and useful app and good customer service. However, they decided to stop honoring the deposit of checks with a signature on file (in my case my paychecks as an independent contractor) without notice, which really put me in a financial jam and they are not taking any responsibility for the lack of communication on this. Instead, I was told to let my employer know that they need to change how they issue paychecks to me. Since they decided they will not be honoring paychecks from my employer, we are taking our banking elsewhere. Beware of changing policies at a drop of a hat without notice.


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Very hard to dispute a charge with this company, spoke to many agents sent many documentations and still my claim was declined. Even though the company that took my money failed to provide services the bank said the case is close. All my disputes with Bank of America and Chase was taken care of quickly and to my satisfaction never had I have to send so in many documents proving that my flight was canceled and I still have yet to get my money returned or a voucher for future service. Sofi said, "Oh well the case is closed." I will be sticking to Bank of America and chase and be closing this account in a few months and move all my money out of it.


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I set up a Sofi Account trying to use the new extended Tax Deadline. Their system showed I was approved for the account and allowed me to schedule a deposit for the MAX contribution. They failed to schedule the deposit and didn't create the account until July 16th. They then refused to fix their error costing me $1400 in tax refund.


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When I first signed up, it took 4 weeks to get my debit card in the mail, I was already direct depositing my checks into my new account at this time but I couldn't access or spend my money because it took so long to get my card to me. I could forgive this, stuff happens and I understand delays, but it didn't set our relationship off to a promising start. That is fo-sho. I wanted to like SoFi, I really did. Crypto Investments? Whoa! Check. Stock market investing via mobile app? Awesome! No ATM fees or overdraft fees? Bonus points. Direct deposit and Mobile check cashing? Ok well, everyone offers that now, but still cool right?


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Received offer for their CMA - went through the process of filling out the paperwork and despite being a millionaire, they denied me. I’m glad they did too, just look at all the problems people have here. This is such a bad company I’ve decided to buy everyone considering joining SoFi a free pizza from your favorite pizza place. Just HMU, I’ll call it in - up to one 5 topping pizza. Sorry, no breadsticks as my offer is only good for the first 40 million people that refuse to join SoFi and their pyramid scam.


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** is my email. If you email me, ill provide you an attorney at no cost if you suffered any scams with Sofi. Please no sensitive information, just the basics of the claim, no personal information. As of this update, 191 people emailed me, if you check your email, i replied with several attorneys names and websites for you to choose. Some of sofi’s latest penalties for its fraud:


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I signed up for SoFi Money under the $50 bonus offer. I complied with ALL requirements. I even sent them print screens of the offer I responded to and of my transactions with the account--at their request. But they still would not honor their advertised offer. Since they only have a 2 Star rating here, apparently I'm not the only one having problems with them. There are other companies offering better rates and probably less drama. From my experience don't trust their advertised offers.


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How can you get your money right when you hold Cash Deposits for 4 Days? That is WRONG!!!! Not Right. Banks take no more than 2 days and my Credit Union allows cash to be made available immediately. No Waiting whatsoever. WHY are you holding out MONEY for 4 DAYS? IT IS JUST NOT RIGHT!


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Take your money easily but on day 5 of trying to withdraw over 8 hours on phone countless emails and nothing to satisfy them. Voided check from my bank account. Wasn't good enough then they made me delete my account and re-add it to try that and that didn't work and after three hours of being on the phone today he pretty much let me go cuz we couldn't figure it out. They're just safes.


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Ughhh! If I could leave 0 stars, I would! I signed up solely because their advertising offer that theyll give you $50 when you do sign up. So I started an account almost 2 months ago & when I never saw the $50 they promised (surprise, surprise) I sent them an email asking about it... no reply. Sent another email a week later, still nothing! All in all, I've sent like 4 or 5 emails over these 2 months and NOTHING. No automatic reply, nothing. So that shows plenty on how they don't care about their customers. Their severe lack of customer service, because they can't even reply to a simple email. But the main thing being how they lie just to get people to sign up! I thought the look of the card was different and kind of cool, but the fact they're liars and can't even reply, don't waste your time with them!


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Coworker sent a referral link. Initially, the application was simple. It took only a few minutes. I was surprised and concerned it was denied. I have credit score above average and did not read that credit check is done for savings account. I receive prompt stating an email has been sent with further info. The email itself was vague and I called SoFI. I expressed concerns for lack of information after I provided specific info like my SSN. I told them I was married within this year but I legally changed my name and all documents reflected this life event.


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Some people worry about the money not being secured until it reaches a partner bank, but just know that SoFi has never not let someone withdraw money (unless your account has been flagged for security). I use Sofi as a way to make money with money, This is an account that has APY better than my Wells Fargo account and most other major banks. I can access my money with no problem in the event of an emergency. You can withdraw money from any Visa ATM, this includes all; Wells Fargo, CHASE, and most other major banks ATMs. I love it. I only wish I had a physical bank to visit. But I don't ever go to my branch nowadays. If you use a referral code to sign up you also get $50 after a week of having your bank account with a balance of at least $100. Use my code if you decide to sign up. https://www.sofi.com/share/money/**/


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Sofi never pays the referral bonuses, charges illegal fees and unauthorized charges, lies about many aspects of your invest account, and illegally seizes your money if you complain. The SEC, FINRA, Attorney General, FTC all seen my evidence and are opening an investigation. I have a call tomorrow with the FBI, and the media as well. This company uses false advertising and bait and switch to grow its clients and inflate its books without paying the agreed referral fees. They make false statements about your brokerage account and if you call 5 times, you get 5 answers... it should be 1 answer...


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First, they wouldn't link my bank account so I couldn't send myself money to get the referral fee. Then after I finally get money sent to me the referral money poof never appears. After that, I try to link it to an existing bill and it says this account is not eligible to link with any of my cards. Ok I get it. My credit isn't 700 or above, but if my credit score doesn't make me eligible then why the heck did you approve the account in the first place? I can't even use it, other than to send money back to the person who sent it to me because they have an account. All in all, I don't recommend using this service if you don't have great credit because it's nothing more than a giant waste of time. Also, when I linked the debit card it said Costa Rica?! Seems a little fishy to me.


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SoFi has a competitive high APR and moving money between my "brick and mortar banking accounts" and my SoFi account is a breeze...and without fees. I have given up on my credit union for any decent return.


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I would consider them average although I haven't dealt with lots of pure online banks to be fair. As with any company nowadays being on hold is becoming standard. The agent was friendly and did know the answer to my question.


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So I opened an account and fund it, I started to refer some of my friends to get the bonus 50x50x50. I checked my account today and my bank account disappeared without notice. So unprofessional! I would stay away from these kind of "new banking" companies. Well established banks would never do something like this, I had to email them today to figure it out what happened. Do they need to verify my information? Is it my credit score? Regardless of the reasons, I think they should be more transparent about their processes and they should get their process together. You can't just open accounts and close them as you wish.


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I've been banking with SoFi for about 2 months and so far I'm really glad I opened up the SoFi Money account. I was getting 2.25% apr until the feds just dropped the interest rate, however it's still a respectable 2.00%which is 99% more than my Wells Fargo savings account pays out...ever. Setting up the account took about 30 seconds and was incredibly easy. I've had no issues transferring money into my account. My favorite part is being able to use an ATM card with $0 ATM fees and it's one of the biggest reasons I decided to go with SoFi. In fact they have $0 fees for virtually everything concerning their money management account. 


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Opened an account with them and everything was going fine until I tried to connect another account to fund this one. They denied the link. Which makes no sense at all. How are you going to give someone an account then not let someone fund it. Company has several predatory issues as well.


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I opened a sofi investment account. They send me $25 bonus right away after I opened my account as they promoted. Then I opened a Sofi Money account as I liked their %2.25 APY plus they had a bonus $100 after opening and transferring my first $100. And they also send me that $100 two days after I transferred the money. They have a referral program to invite friends and you both earn $50. I sent a link to a friend of mine the day she opened her account they put $50 in my and her account. I had questions couple of times and they responded right away. So far I am happy..


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SoFi sent me an email offering their new SoFi Money savings account with a 2.25% APY and $100 bonus for signing up. I have done some investing in their SoFi Invest platform in the past so they have my info. I started to apply for the SoFi Money account but they said I would have to unfreeze my Experian credit file to complete the application. I unfroze it (my FICO score ranges between 760 and 800). I continued the application only to receive an error message saying that they couldn't verify some of my information. I then tried corresponding with 3 separate customer service representatives and the only answer I ever received was, "There's nothing we can do." Seems to me that a company that already hosts a brokerage account for me and sends me a targeted email offer for a product should reconsider providing their customers no service and non-answers. Lukas.


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I'm new to stock trading. Fraud their system is screwed, very poor customer service. Messed up my account after a reverse split. Lost $ due to their system issue. After split shares highest value ever was $11+ and average cost for buying per share is $13.5+. Multiple times tried to contact them, they are always busy. Decided to try some other platform for trading. Start withdrawing money as much as I can from SoFi. DO NOT TRUST THEM. TRY OTHER PLATFORMS LIKE WEBUL OR ROBINHOOD.


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I signed up for a Money account but they will not let me link my Chase checking account to transfer money over. They sent me some vague form response regarding their 3rd party reporting service. I emailed them multiple times in response and it's clear they don't care about me as a customer nor are they willing to make any effort to fix my problem. If they care that little about me as a person I don't want to trust them with my money.


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I placed $100,000 into an account expecting to accrue the advertised 2.25% interest. My money was placed into an investment account. When I called to transfer the money into the correct account, I was placed on hold for a very long time then told there were no funds in the account. I was then told to contact the investment department (all departments have the same number). I tried that and the department was closed. Finally, I decided to close out the account and transfer the money back into my bank account. I'm now told it will take 4-6 days to do this. I am staying with the trusted banks I already use, Ally and Barclays which already pay a high interest rate. If you want a bank where it is impossible to reach someone to discuss your account then SoFi is your bank.


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I sign up for a SoFi Money account. All went well, until they decided to close my account and never gave an actual reason. I have a credit score around 800. I actually hadn't done any transactions yet, so not sure what was the problem. I reached out to their "customer service" to try understanding the issue, but I just get BS boilerplate answers. I don't care if they rejected my application, but accepting it and then kicking you out shows how unprofessional this bunch of amateur banker wannabes is.


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Don't waste your time with this company. They are clearly experiencing growing pains with the SoFi Money product and they do not have the time to appropriately and timely handle issues. Keep your money for over two weeks, refused to give it back. Screw them, boycott this company, they will run your credit without your permission. And lied to you, they run your credit so they can offer you loans if your credit is too low, they will closed the money. And you have to be fighting them to get your money back. Screw this company. Its marketing schemes They offer the money account as a front so they can run your credit to see if you Qualify for the loan. BOYCOTT Sofi. Scams.


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I saw the ad for SoFi money on Facebook sounds like a great alternative to a regular bank right! Well signed up. Had a card within a week. Everything seems great. Started going through the app and learning how to invest my money. I added a few companies to my watch list trying to see how everything works. So I got on to my account about a week ago and it says I don't have a money account. So after having it linked to my other account still this is surprising. But when I sent an email asking why my account was gone I was told to look at the email that was sent.


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Tried to open an IRA to have some tax deduction but ended up paying tax penalty instead. They are totally incompetent and understaffed. They cannot keep any deadline and if you want to get anything done, you'd better be on phone every single day. Otherwise, they will just keep promising and doing nothing. In nutshell, I applied for an IRA account on 4/9/2019 and after 5 chat/call with their support, I learnt today (5/3/2019) that they screwed it and cannot fix it. My deposit did not go thru for 2018. Needless to say that means a tax return correction, more tax and penalty to me while they just say sorry and walk away. I have never seen such incompetence at a financial institution. No way I can trust them with my IRA.


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I started my relationship with SoFi to refinance my mortgage from 30 to 15 years at a better rate. Everything went smoothly, every promise was kept, and as a happy customer, I reviewed their portfolio. Next on my list? Consolidate and refinance a personal loan. Everything went smoothly, every promise was kept, and as a happy customer, I saw the benefits of consolidating my other business with them. A hybrid account that pays interest with no fees? Sign me up! 


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I originally deposited money in SoFi’s money account as their interest rate was better than the institution I was currently using. Their service during this period was acceptable as they quickly provided an ATM card and interest against my principal. This is where the good service ended. I transferred money from the money account to the investor account as I wanted to make some equity purchases. The transfer was recorded on April 16th, which completely debited the funds from the money account, only a small portion was provided in the investment account for usage.


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I wish I read reviews here prior to signing up. Just like many others here, my account has been restricted with no notice, warning or communication. I found out after a payment I initiated from my credit card company bounced - I had more than enough funds in the account's "Available Balance". When I called to figure out what was going on, I was told my account was restricted on March 28th and would need 7-10 business days to resolve. During this time they sent me a push notification to setup my direct deposit to them? (Why would I send more money to be held hostage? I'm so thankful I didn't deposit more initially!)


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I opened my account in January, only to have my account restricted in March, with an email saying my account is under review, and should be resolved in 7-10 business days. This was March 22, today is April 15 and my account is still restricted.


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I honestly, have just had issues with logging in to set up a direct deposit. Something told me that this could be a sign and to read the reviews and BOY am I glad that I did. DO NOT put your MONEY in this institution until they start earning better reviews and providing different experiences. Cutting up my card and sticking with my current institution.


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Updated on 04/16/2019: Here it is April 16th 2019. The company Sofi is still give me the run-around about getting my money. They still have my account frozen. I need help? Somebody help me? I don't know what to do anymore so if somebody is out there that had the same problem and finally got the money tell me how they did it.


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Ok so, I had to do more research about SoFi, because for whatever reason, they froze my account without any type of explanation. The day they did it, 2 days ago, I sent them an email, letting them know, that if it was because I was transferring my money to different accounts, I have my reasons to do this, is some type of strategy that I learned to create relationships with other financial institutions, but at the same time, I wasn’t going to close my account with them, and they didn’t answer. Today I’m extra mega pissed, for obvious reasons, I NEED MY MONEY!!! And still haven’t received a ** email back.


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If there was a zero that's what I would give them. I got my first deposit and they restricted my account just like they've done everyone else's. They said they were checking transactions but I have made no transactions other than the deposit. I have filed a complaint with the Better Business Bureau and I have also contacted my attorney. I have sent them emails telling them to close the account immediately and transfer my money back into the account I transferred it from. This is definitely some kind of scam. Buyer beware. Don't ever open any kind of account with this place. They suck you in with all of their good benefits as they call them and then freeze your account. My lawyer is prepared to seek legal action if necessary so I hope it's monetarily worth it to them over the amount that's in my account.


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I opened a SoFi Money account because I fell for everything they had to offer. After a week of using my debit card and making small local transactions (grocery stores, etc.) they restricted my account and prevented me from using all of my money. I called their customer support multiple times in hopes of an answer as to why I have been the victim of such an inconvenience, and every time they say that they have no control over why it happened, always blaming an "inside team" for the decision. I have asked for the number of this "inside team" to reach out to them directly and instead they insist that they will be calling me. 


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I have money on my account and used my card twice and they restricted it. Now I stranded with my 2 yrs son cause I visited VA and I live in NC and can't get gas or a room and they said it's gonna taken 24 to 48 hours to review account. This is the worse.


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Signed up and they deposited my checks then turn around and tell me they need to verify me after the checks been deposited. So now they are holding my money and stalling because they are trying to scam me out of my money. Terrible.


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Have been extremely disappointed with Discover. I have never missed one single payment with them. On time over 2 years. I added a big charge on a mechanical repair that was unavoidable. I made payment arrangements with them monthly for a specified amount, and paid more than what we agreed to. They in turn did not keep their agreement. Be wary of Discover. They will reel you in and then cheat you. Posting.


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Getting your money out when you need it is a most basic function of a bank. Discover bank makes it incredibly difficult if not impossible. They limit how much money they release perhaps because they are short of cash. I’m out as soon as I can be. Their lack of physical branches is an epic failure. 5 phone people and a full hour and they still could not identify why atm access is failing. Pathetic.


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Please do not waste your time with this bank. They have vindictive customer service reps who will get back at you by sending your card to fraud suspect. I have American Express, Citi bank, Capital One, Wells Fargo, Bank of America experiences and none like this Discover card. They treat you like a criminal to have their card. They ask me to send a picture of me and a copy of my Driver's license. If I don't send it in to them they threatened to close the account. They can close it because I have not had to do this with any other bank I have applied for a credit card online. Totally a racist bank practice.


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I viewed my account online and saw that some unknown party stole over one hundred thousand out of my online savings account. No one appears concerned. This was my liquid money to live on. All this money is gone. They just let a criminal via ACH online transfer access my account and take my money. They just transferred my money out to some bank I never heard of to a stranger? They are unable to provide a statement for the Police? Beware, your money is not safe there.


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Received an unsolicited offer from Discover 5% Rewards Cash Back w/0% Interest for 15 months. Within 45 min after receiving online approval, I discovered a 3% balance transfer fee, I called customer service and requested a stop to the transfer. Discover said they couldn’t do that YET BECAUSE IT WAS A NEW ACCOUNT. Called back in 3 days said they still couldn’t do it because I wasn’t in their system. 7 Days later, they went through with what I asked them not to do. Cost me $120.00 and I cut up the card, paid them and full and bow to haunt them with negative reviews until the day I die… SCUMBAGSOBS!!! From a US Marine


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Discover Card is the least customer friendly and least customer focused company I have ever dealt with in 70 years. If you expect to be treated as anything other than a criminal, run from Discover as fast as you can. How Discover has managed to remain in business is beyond comprehension. Go elsewhere as fast as you can! After Discover solicits your business, they treat you as a criminal and demand all kinds of documentation to prove who you are a month after they issue you a credit card. They never have a supervisor available to deal with their canned response, abusive call center representatives. If you are an embezzler or a convict, Discover is the card for you.


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The worst bank I’ve ever seen. If you plan to open an account with this bank, first read this: 3 months ago I ordered a credit card from the Discovery Bank, and I was interested in the fact that they quickly approve the credit limit, the card quickly approved me, delivered in 14 days, but I could only use it for one month. Then I got a message that I had to confirm my identity with a notary within two weeks, or they’d block my account. I got technical support and tried to explain the situation that I work 6 days a week and I do not physically have time to find a notary (Generally with such a request from the bank in the first). 


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I had the Discover card for over a year and a half (unsecured) and despite NEVER maxing out let alone going near the limit, paying the balance off early each month, and keeping my debt: limit ratio under 30%, THEY CLOSED MY ACCOUNT! It was completely unexpected therefor I contacted them immediately asking what happened. 


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The worse worse banking company ever!!! 100 interest!! A month when you are paying your credit line is excellent and raise your credit line when you didn’t ask them to!!! But charge absolutely insane rate!! HATE HATE DISCOVER!!! And fake advertising about your card being accepted everywhere!! They refused it in France, they refused it in Japan!! Awful and customer service is despicable! Never ever again.


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Made an online purchase and merchant had put down wrong bill to address. Item was shipped to unknown location that was the same address they put wrong as billing address and never received product. Discover 4 month dispute denied.


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I have been banking with Discover Bank for over a month now, and honestly it's been a pleasant experience so far. Customer care is really helpful and very nice to speak to when I need to call in, the mobile is well-organized, and beautifully designed as well. The checking and savings accounts are FANTASTIC! No fees at all and they offer so many products and great features for everyone. I have not encountered any issues this far, and don't see me having any issues in the future. Discover Bank has been absolutely phenomenal to bank with and I would highly recommend them.


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I took out a Discover Card in mid-May, 2023 to transfer a $4,000 Credit Care balance so that I wouldn't have to incur 27% interest on the full Care Credit balance of $11,000. I have until July 15, 2023 to pay Care Credit or else I get hit with this hefty rate. When I submitted the balance transfer through Discover around May 20, I gave them the wrong credit card number because for some reason Care Credit issued me two, but I didn't know that. I received an email from Discover on May 31, 2023 that the balance transfer was complete. I decided to check my Care Credit account and guess what? There's still a balance! 


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Account Frozen due to an error on their end. Bill payment submitted for ConEd was mailed to my home instead of the business. When I called to ask what I should do, they froze my account with the reason "cannot verify identity". I was transferred to the fraud department, where I was asked to upload documentation. I explained this put me in a tough spot, I was asked to call an hour after upload. A day later, the account is still frozen bc there is an issue with my enhanced driver license issued 2 years ago and no additional explanation other than, one must wait a minimum of 2 days for the coach to review it. 


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I used to trust this company, though I never had many issues to show they would take care of the customer. I've been fighting with them for six months to dispute a charge for a Kirby. Originally they refunded me until Kirby finally came to pick up the item (five months after I requested them to) and they recharged me. Now for four months, I have been asking them to refund me since I no longer have the merchandise. They only will if Kirby authorizes it, doesn't that define why I need the dispute? This goes against the FTC's cooling-off rule. The company has their equipment and their money and Discover did everything they could to help them out. I can't wait to cancel this card after 15 years of business. You simply can't trust they will follow the rules. I will be submitting Discover to FTC.


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I applied and was granted a Discover Card. I Called in when I got it to verify receipt and then proceeded a week later to do a balance transfer. The gal on the phone said it was all taken care of. A week or so later I get a letter that says we need more information from you. This is AFTER they issued and sent me my card. I thought that was strange but gave my SSN as it said they needed to request my Tax Returns for the last two years. So I complied. Another week goes by and now they want me to take pictures on my cell phone and take a snapshot of my License and send it to the link they provided. So I did that. Once again... Why was all this AFTER being approved and getting my Card to use?


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I just created an account so I could review this experience. I got a credit card with Discover to get two promotions, balance transfers and purchases (0%APR 18 months/6 months). Is a mess. So, there is no way to control where do you want your payments to go. Every time I ask for clarification the responses are scripted and vague, creating a lot of confusion. I am trying to pay off my purchase balance and I was asking the agent how much I would have to pay to pay it off. She responded that she was not able to provide an official quote. I ask to speak to the supervisor and she apologize saying some of the information provided by the agent was "INACCURATE"! And she further clarified that any amount above the minimum will go to the APR that expires first. HOWEVER, when ask about how much I had to pay in order to pay off my balance she said the same thing, that she was not able to provide an official amount!!?? WHAT!!! Who then!???? 


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This Company pretends to be a good Company, However in my experience they are not, they violated my Consumer Protection Rights by calling me 13X's day over a late payment, when I filed a complaint with the CPB, some rude man from Discover was all over it, stating to me that they had not called when I pulled up my call logs from my cell phone provider, he said to me "they could have been "spoof calls" **! 


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On my discover card I have pending charges, they are already posted and still in the total of pending and on the total of paid charges. They are not updating the payments correct, they are not updating anything correct.


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AVOID DISCOVER BANK ACCOUNTS. Somebody posed as me and fooled Discover into doing a wire transfer into their Chase bank account to the tune of $12,300. They did a SIM card swap/phone takeover and I had no control over my phone because this jerk took over all access...nobody could reach me because the calls all went to him. Even when the police officer called my number, this jerk was still answering! Since the call came from a known device/number they said they did nothing wrong and will not be returning my money. 


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A decade ago I lost my job and couldn't pay my bill. So Discover send the hound dogs. WELL, a decade later because the collection agency didn't collect all the money they are filing a new judgment. Mastercard and Visa wrote off the balance of the debt. I had always paid my bills but hit a hard patch. I now have a credit score over 800 and plenty of available credit because I paid all bills in full every month. The letter from their collector was sent to my ex-husbands address and I wouldn't have got it if he hadn't forwarded it to me. Never again Discover! I have plenty of credit without you.


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I had a Discover IRA CD mature Last July. Discover Bank sent a check to my IRA stock account, so I bought 4 different stocks with this money. The Discover check then bounced. I contacted Discover Bank numerous times over the next few weeks to no avail. My stock account after 2 weeks was then required by federal regulations to liquify these stocks and not allow me to make any other stock purchases for a number of weeks. After this, Discover finally sent a replacement check. I also had to work with our state’s Attorney General for Discover Bank to reimburse me for the extra expenses their bounce check cost me. I would never again use Discover Bank!


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Applied for Discover it credit card. Approved for 8K line of credit and 4K interest free 18 month balance transfer accepted. Paid transfer free used card a couple of times over 2 months. Suddenly I receive a notice that I must fill out some detailed form and have it notarized to verify my identity. They suddenly decide they don't know who I am after they approved the line of credit. Really stupid, that is a requirement that I refused to comply with since I have had a good credit rating over 20 years and if you don't know who I am you should do that during the application process. They closed the account which is fine, I now have 16 months to pay off the balance transfer interest free. Do not recommend Discover card, very stupid company.


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Worst card to use for Balance Transfers. If you have balance transfers with different expiration dates, any payment over the minimum payment will be applied to the transfer that has the latest expiration date. Not the earliest expiration date. This of course does not allow you to pay off a transfer before expiration date. This allows Discover to then charge the full interest on amount of older transfer. I wanted to pay my oldest transfer off, but was told only 116.00 of my payment would go to the oldest transfer, and the rest would be applied to the transfer that expires in 2024.


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Beginning in 2023 I applied for Discover credit card. While in the process I discovered that they had put a fraudulent claim on my application for false information. I had to report them to CFPB. They did respond by sending me out a new card account. Lo and behold when I tried to use it for an purchase 160.00 online order the card was declined that informed me that they was monitoring the cards transaction. I never seen a big company stoop so low???? Beware of any credit line or Banking with this Bank.


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I had a situation where my wife lost her job so my wife and I naturally needed to look at our finances and reduce spending where possible. We looked at the Discover bill and saw a lot of excessive activity from Doordash we knew nothing about. Our daughter had used the card some in the past but she stopped using it when she had been told the card would be deactivated.  It occurred to us our account information my have been stolen. We went on the discover web site and initiated a freeze on our account. We received an email from Discover confirming that the account was frozen.  


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When I first opened a bank account with Discover, I was hoping to get the best due to their ratings with their credit card agency. Unfortunately, the account was far from excellent. I have used the debit card maybe 9-10 times. Of those uses, roughly 5 of them caused my account to freeze. These are normal transactions. After many calls and complaints, the bank keeps freezing my account on almost every use. Today, I received an email stating there was an issue with my account, again. I called the number and was transferred three times to varying personnel only to be told that Discover closed my account due to a company decision. No other reason was given, it was just arbitrarily closed.


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Credit Karma said I had an outstanding approval to receive this card. My fico score is 729 and I thought this would help my score by adding another card. I have a very good salary and low rent to say the least. I was denied for some unknown reason and because of it my fico score was dropped by 7 points. I would not recommend applying for this card as it is not what Credit Karma says it is. I was hoodwinked. Will never consider this company ever again. By the way I have 100% record of payment on all cards, loans, cars and harley motorcycle in which all but two cards have 0 balance. This is with 10 year history. Think hard before you apply.


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I have been a loyal Discover card account holder for many years with no issues. All of a sudden I received a call that they need access to my Irs document to maintain my security. If they don't receive the authorization to get them they would close my account. So in order to secure my identity I had to give Discover, Experion and some online signing company access to more of my information. So I called to cancel the card and the customer service representative didn't even care about it...


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I had to close my CD account because I needed funds to take care of my parents who moved here from the Ukraine. Because of the war, they lost access to their pensions - they are just unable to access their accounts. They are in their 70s and don't speak English, so they cannot work here in the US. I asked Discover to waive the early withdrawal penalty for my account closure - they refused. I have been with Discover for a long time and always had great experience with them. This will definitely turn me away.


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Don't expect Discover to have your back like your local bank does. I've never had a problem with fraud charges not being removed until I started using this card. The dispute I filed should've been an open and shut case with the proof I sent, but instead they marked it as a valid charge and added it back to my statement.


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Discover has held onto my money on multiple occasions saying they are experiencing a “delay” in their transfer services (or whatever the problem is), so in the most recent case, a wire that was supposed to go out in one day has taken 4+ days and they will not give me any helpful or valid answers. They play the same old games with holding funds as long as they can, lying about the reasons for delays, and waiting until payments post first before releasing deposits so they can charge fees. Their customer service is not helpful at all. If you are working w/ large amounts, go elsewhere.


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Transferred funds from my primary bank to my Discover savings. Transfer was completed, but my savings was never credited. Requested dispute and funds were credited back to my other bank. Discover then debited my savings even though they never credited the account, so they took funds out that were never put in. Had to request another dispute. Was told my acct was frozen at the time of the transfer, the transferred funds were in an ACH (Automated Clearing House) and I'd have to wait up to 10-days for their decision. If they can't find the error in 10-days, they may take another 45-days. In conclusion, Discover Bank sucks!


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My mother has had a CD with Discover Bank for 2 years. It became mature on October 17, 2022. As I hold Power of Attorney, I decided to cash in the CD for her care costs. I wrote a letter to Discover, I filled out all the forms correctly, I obtained a note from her doctor saying she cannot handle her own finances, and a copy of the Power of Attorney. I mailed all this through the USPS with tracking. Meantime the CD matured and was rolled over for another 2 years. I mailed the documents well before that date.


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Since July 2022, I have been attempting to get my Custodial Account individualized. I have called at least 8 times. Wasted numerous hours attempting to upload documents....and always something missing. Continual apologies with absolutely no follow-up unless you call. When you reach customer service all you get is scripted apologies and excuses! DO NOT BANK WITH THIS COMPANY!


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Decided to open a high yielding savings account. Completed forms online, had $6000 dollars transferred to account. Next day get confirmation of account and money in it. The very next day (day 2 of having account) I was suddenly informed due to fraudulent activity on my account it was frozen. They will not disclose any information on how on earth you have fraudulent activity on a savings account. Only been informed my account is frozen/closed and my $6000 is theirs for 2 months!! I have to wait 2 months before they will give me my money back for an account less than 48 hrs old. What a joke!! Don't waste your time or money on Discover!


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I opened the savings account using the online form at discover.com. After submitting application I was asked to upload documents to verify my identity using notarized identity verification form. I filled in the information using my US passport and got it notarized. I uploaded that information along the picture of my driving license on 9/9/2022.  I did a initial deposit of $$$. Discover then locked my account and asked me to call them. I called them and they said my account is now "under review and their is no timeframe to complete the review". I have called them several times go the same answer "account is under review and their no timeframe". The bank is allowing me to deposit the money but not allowing me to withdraw. 


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So I opened up a savings account with Discover that I had heard so many so-called great things about them. I was trying to get away from my other crappy Bank First National Convenience Bank of Texas due to financial issues with them and was recommended discover. Just to have them close it 3 days later with no explanation to why what happened. Told me it is a business decision and that I would have to wait 60 days to receive my money in a paper check. 


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Do you enjoy listening to "hold" music for hours? (Maybe weeks) Do you yearn to talk to someone from Salt Lake, UT? Do you like surprise account freeze so you can't bank anymore? (Even after 30 days after opening it) Do you enjoy repeatedly explaining your issue to many different people? (People from Salt lake) Then my friend this is a bank for you. You won't be disappointed. There is no other like it. Take it from my experience.


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When opening an account with Discover, if you work at a place that only does checks, just go with a place that has in-person services. Because they will hold your money for over a week and screw you over.


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Opened a checking account with discover in May and deposited my government paycheck at the end of the month, Discover (being the crooks they are) claimed the check was fraud and totally seized my funds and closed my account. I lost all my money and they refuse to give it back. Do yourself a favor and stay far away from this sham of a company, if you have to bury your money in the back yard then that's better than banking with discover! I've been fighting with them for 3 weeks now with no resolution, I don't understand how it's legal to take someone's money without any probable cause. I also don't understand how they are still in business, they are 100% involved in organized crime. Why else would they take people money away? These people are total crooks and they deserved to be sued and shut down.


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Systems from the 90s - Discovery is a complete joke. I have both credit card and Student Loans, and they have all my information. I tried to open a savings account, and first, I can't use my Credit Card account, which is already insane. Then, I fill up everything (all information is correct, I've submitted multiple applications and checked it all several times), yet Discover will always prompt me to call them to "finish this together". I've spent over an hour in calls, and customer service is unable to figure out why my application didn't go through. They've cross checked all sorts of information and wasted my time on several occasions, and still didn't manage to make it work. What a joke.


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Very bad experience with Discover. Yesterday I made a wire transfer request and discover told me they would call me in 24 hours, if they need additional information from my side. So I was standing by all day long. Today I called them to check the transfer status, discover told me they need my confirmation to process the transfer, but nobody contact me while I was waitting for their call!! And the wire transfer is just paused there!!! The worst part is today I discussed with the representative if they can do something to speed up since we already waste a whole day, she just left me on the line for almost one hour without any response!!! Seems like discover do not take their customer seriously, the way they treat customer is rude and irresponsible!!


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I bank with this company and I have the most onerous and frustrating experience ever. I had to pay money to a government country department and due to time sensitivity, I was only given 3 business days to process the payment. At the time being, I was unaware of wire transfer which can deposit money almost instantly or same day but I didn’t know that so I elected to try a cashiers check option first which turned out to have not been able to make it on time anyway. Long story short, I asked the bank to cancel my cashier's check and was advised to send it with the word VOID written across. I then proceeded to upload the check back to the bank system for evidentiary purposes that the check indeed did not get deposited and I ought to receive the funds back to my account. The VOIDED check image was received on Monday and I was told that it will only be a couple of days before posted without anyone gave me more clarification since.


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I left my bank of 30 years last week to give Discover a try because they had a bonus going on and had good interest rates for their savings acct. Well it has been a week of hell consisting of at least 15 contacts with the company and their workers to fix a problem they created. I also had to call, email and chat w my current bank to inform them to protect me Discovers' predatory practices.....


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For an int. Transfer of 400USD I was expected to pay 150 USD for taxes, overtaxes, security etc. At the first contact it was requested to open an account at offgamers and deposit 50USD which would be refunded. I did but got not my money. You have to pay now 100USD for taxes and overtaxes. What? For an online transfer? What a bad joke! Just a rip off - strongly NOT recommended!


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I have had a Discover bank online account for several years. They have one of the highest interest rates for savings accounts and cds. Their customer service dept. is very responsive, helpful and courteous. They also keep me up to date on my accounts via email or regular mail. I would highly recommend them!


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Location of the bank is convenient. Employees are very friendly & Courteous. The bank is very clean, and the management is superb. I recommend this bank highly to everyone wishing to do all kinds of financial transactions..


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I was skeptical about opening an online bank account, not knowing if they were safe. However there was a really good promotion to open an account so I decided to give it a try. I absolutely love Discover Bank. While interest rates are not as high as they were when I opened my account I still like the bank and highly recommend them.


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I have a CD coming to maturity and so when I tried to log in to my account, I couldn't because my phone number had changed. I was instructed to call the bank and when I did, they told me I had to send a copy of my driver's license and social security card! Really?? I have accounts with other online banks and Discover Bank is the only one that has put me through such time consuming measures and outrageous procedures! My account is still frozen and they won't let me give instructions for what I want to do with MY CD!


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I have been banking with Discover bank saving account for 10 years. I moved and changed my address today. Discover sent me an email indicating they will send confirmation to both old and new address. Why would they send a letter to my old address with someone else living there? Aren't they supposed to protect my privacy and security? By sending address change letter details to my old address they are putting my privacy and security at risk. Other banks don't do that so why does discover bank have this outdated protocol. Called their customer service and they said it's system generated and they have no control over it. Horrible/worst decision to bank with these outdated online banks. Run aways from these banks who put person’s identity and security at risk by sending mails to an old address. Going to remove my funds from this bank shortly and take my business elsewhere where my privacy and security are safeguarded.


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I find myself often getting riled up when I run across a terrible company, but rarely share the same exuberance when I find a gem. Discover's online bank is one of those gems. I opened an account about a year ago, and cannot be more pleased. Their high interest savings account is just that, maintaining interest rates far above the average 160x higher than the savings account I used to have. The checking account, while not interest bearing, is efficient and I have yet to incur ANY fee. Not one fee! I get 1% cashback every month like clock work simply for using the debit card. Needless to say, I pay every bill with the Discover debit card. The website is clean, efficient and easy to navigate. And if you do have a question, I challenge you to call them and be disappointed. Kudos to Discover and I recommend them to anyone that does not need to visit a brick and mortar bank.


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Worst customer service so far. Waited on hold for over 3 hours to speak to an human after being hung up on TWICE. Was told sorry for the inconvenience! 3 hours of my life after a long day at work is MORE than an inconvenience after someone tries to wipe out your life's savings! How is it 24/7 customer service if they aren't there to speak to you when a criminal is actively taking money out of your account!! Sorry isn't good enough when your life's savings are at risk.


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Discover Bank pays 100 times the interest paid by Chase on Savings Accounts! While Discover is by no stretch of the imagination as large or as internationally experienced as Chase they more than make up for it with Customer Service. You might have to be a little insistent, but unlike almost all organizations, Discover will come through and solve issues. This is HUGE. I had an issue with a wire. After 2 or 3 calls Discover fully stood behind me and solved the issue.


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Discover lured me into opening a savings account in addition to my card account, savings account got hacked within days, picking up 8K from my account by phony transfers. They gave me money back but it was awful experience, knowing the fact that Discover did not even know the account was hacked, I noticed it through App. I would give them zero stars.


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I was attempting to pay financial bills and was receiving payment not authorized, when I call the bank they stated maintenance being performed. When I asked for next-level support I was given a song and dance, after several requests the cs rep provided me next-level support who stated they were sorry and offered no resolution. Very poor service.


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Discover has policy and procedures dated 1950's. They seem to send me refund check on Sep 3rd-with no tracking. 2 weeks later I call them, told to wait entire month to see if I get a check. Called on Oct 3rd again, they say the process will start again- take 20 days to put stop payment on old cheque-SERIOUSLY? And they will send again in normal mail. Call back after month- they said they dont know when check will be sent out. Wait another week and we will start process again SERIOUSLY?? There is no escalation authority beyond supervisors who just keeps chanting same thing over and over. If Discover can't manage customer's cash, they should take it.


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I have not received any statement from them after June 2019 (today is October 04). I need September a bank statement to prove to my mortgage company that I have sufficient funds in my account. I am calling almost every day and I sent an email yesterday evening. What I am getting is just promise that the statement will be available, but nothing moves. I think they are deliberating doing this to me as they are now aware that I am not going to use that money elsewhere. So they want my mortgage to fall through so that they can keep my money!


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This company is terrible. They took an extra $10K out of our account their mistake and then took 2 weeks to return it and that was after many phone calls. They are a ripoff. This money was done by an ACH transaction even though we had written a hard copy check. It came out of an interest bearing account so it cost us while they used our money to make money. My wife and I both had separate accounts since the 1990s which have been cancelled by us. Do not recommend unless you want a lot of heartache and aggravation if they make mistake. They can take a payment out in 24 hours of receiving a payment but it takes them the best part of 2 weeks to refund their error. My opinion they ripped us off big time and will anyone else if they get the chance!


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I recently opened an online banking account because of the interest rates. I was nervous at first about leaving the brick and mortar bank but after research decided it was safe as my funds are insured. Really glad I did it now!


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I've been using Discover Bank for over 5-6 years. Even though they discontinued the cashback program for bill payments, they still offer a solid choice among online banks. Good customer service, easy transfers between internal and external accounts, nice website layout. The only slight minus is the frequency the site is down for maintenance, usually 1-2 times a month.


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Discover Bank offers excellent interest rates. Customer service is very good and any issue is resolved very quickly. I have been banking with them for about 6 years and would not consider going elsewhere.


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The interest rates are very competitive. The website is easy to use. Customer service via telephone is also very efficient. Communication from the bank is easy to understand. Closed accounts are paid quickly.


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I became interested after being sent a promotional letter offering $500 to deposit $15,000 and leaving it in the account for no less than one year. Along with the incentive of $500, the interest offered was 2.10% which has gone up since then. That is over 10 times more than a savings account and is doing better than a few of my long term investments. Discover is very reputable and their communications and customer service is great.


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I think Discover Online is a great banking institution with great rates on their savings and CD accounts. I have transferred money back and forth to another institution and it is always timely. The few times that I have needed/used customer service, I spoke with an actual human, which was great! Reps were very professional and my issue was resolved. I hate giving a five rating because I believe there is always room for improvement, but Discover is pretty darn close to perfect for my needs. I have already referred other people. Also you can establish an online beneficiary!!


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Seamless banking. Excellent web portal. Competitive interest rates. I've been using Discover for a few years now and have had an excellent experience so far. It would be good to have an app as well, which I believe is not currently available to be able to conduct mobile banking.


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Remotely deposit checks, transfer funds from / to my local bank. Decent interest rate. Whenever I've had to call to talk with someone, they're always in the US somewhere, very helpful, and easy to understand.


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They all have their pluses and minuses. The overall best comes from Discover Bank and Synchrony Bank. Discover provided me with a debit card, a checkbook, CD's and a money market. The customer service is top-notch and the interest rates are some of the best along with the rewards.


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I signed up for the cash-back checking because who doesn't want cash back? Also, only positive experiences with Discover credit. I switched my direct to this Bank, but of course it takes a few pay periods to kick in. The first of the month rolls around and I stupidly decide to write my rent check from my Discover account thinking that I could just easily deposit my paycheck. I go to deposit my check and getting message that most of the funds will be held for a week and a half. No thanks. So I deposited my check into my other checking account figuring that I could just transfer the money over to cover the checks. Well, I had no luck with that either. I couldn't register the account with PayPal. Couldn't register the card with Google pay. I called discover about this, and was told that the companies were trying to make withdrawals which were rejected by the bank because there was no money in the account. 


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I was looking to open a savings account with a reputable bank, good interest rate and phone app. I found Discover had a $200 bonus, clicked their link and read I had to deposit $25k by a certain date in order to get the bonus. I must have missed entering the promotional code somewhere - could be my mistake but that is not my complaint. After my acct was opened, before I deposited my money, I called in to make sure I would get the $200 bonus and the rep ensure me my account would be all set and I would definitely get the $200 bonus because they know my acct would qualify for it. 


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I was very happy for MANY years, but when I opened a checking account OMG!!! It's a different department and it's NOT wonderful! Nothing is done like any other bank in the entire world. Their rules and regulations are created to an excessive extreme. I feel like I've been through the ringer with the CIA. They send Emails that sound like the next step will be easy, BUT they NEVER address the reason why you contacted them in the first place & don't explain what steps you have to go through & all the INTENSE security hoops they make you and your co-signer to jump through and then having to go through their "Security dept" and then after being tortured by that department, they transfer you to ANOTHER department to go through most of the same questions. The intensity is WRONG!!!


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Every single time I have called them they answer in under 2 minutes. They are very professional and helpful. I have switched to Discover for all my banking and have not had to pay any fees in years! Not to mention they have some of the highest interest rates on savings accounts and cash back on debit card purchases. They really go above and beyond for the customers.


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After several years of only minor problems and good service, they've turned into liars and cheats. They just tack on balances $$$ with no explanation at all. Try to hide it behind unnecessary steps, and they stopped posting account balance with each transaction. Online CS is a waste of time. They try to delay or lose your payments IF YOU MAIL THEM IN. I think their system was HACKED but they're still trying to operate with damage data. Often their computers go down and doesn't show them your account details. CS will fake it on the phone.


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I keep making payments on phone and on their website but they always come back and say "it's rejected". Truth is they never send the payment to bank. I inquired and bank told me they haven't received any transaction by Discover!!! Sucks Big time! Takes my time energy and of course mess my life.


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I have had an account with Discover for some time. Today I tried to transfer money. Their website didn't work. They shifted me first to a tech advisor, then finally to a supervisor. After 40 minutes, we got it to work - sort of. But I couldn't transfer funds! They sent in a trial deposit! I will have to wait to transfer funds, but now want to get them all out of Discover. Find another place!


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My Dad passed owing this company $800. He had paid $7,200 off. The account got passed on to the estate collections agency. I received a call 2 weeks ago, a call last week, a call this week, a Creditor's Claim letter and a letter saying that they would give me a "hardship reduction" if I pay by the end of October. The woman who has been calling demanded payment. She said they'd give me a short amount of time to pay them $405. Then the offer would expire. I explained to her that there is very little money. I need it to pay for the administration of the trust. The only other asset is the house. I'm living in it. SO, what do they expect? That I sell the house right out from under myself just to pay them? I do not appreciate being hammered on by someone else's bill collector or threatened either. MOST OF THE OTHER COMPANIES are writing the debt off. Cut throat Discover.


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I received a check from Discover which was returned to my bank in the amount of 7500, which has cost me extra fees in overdraft charges. This awful business and I will not recommend them to anyone for service.


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I've never had a Discover card in my life but about 8 months ago Discover said that I owe them $2,000 that someone transferred money from Discover to my Wells Fargo account. Not only was it not me but this WF account has been closed for two months. But I still had to pay for it. So I paid it. And now a few days ago Discover tells me that I owe them $3,000 for the same reason that someone transferred money from Discover to my Wells Fargo account that has been closed for almost a year now. How could Discover allow the same thing to happen twice? I think they made it happen twice!


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Discover Bank will not honor the promotion for new online saving account saying that either this promotion was valid only for existing credit card customer or they will say that you applied by mail and this was only online promotion or they will say your account was opened after promotion deadline. They will give you one or other excuse not to honor the promotion even if you fulfilled the criteria. Worst bank ever I have dealt with.


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This is a horrible bank that has no idea how to train their employees and treat their customers very poorly. They give out bad information when you call them and then blame you for this misinformation. I would not recommend them to anyone. Aside from the terrible customer service, they hold check deposit for way too many days and that results in them getting interest off your money and not pay it back to you. Also they claim that they make $200 available to you the next business day after deposit of the check. However, you will NEVER see that in your transaction history and you do not have access to that money.


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Make any request to Discover Bank and you will get the standard, it will take seven to ten business days to respond... (English Translation: TWO WEEKS). I requested prepaid deposit envelopes over two weeks ago and still have not received them. In response to my request for prepaid deposit envelopes, I received, over two weeks later, deposit slips with my name misspelled on the correspondence. I have had an account with them for fourteen years. I have three accounts with this bank and as quickly as possible, I am going to cancel them all!! This is not the first time I have had difficulty getting even response to even the most rudimentary requests. They need to change the title of their customer service to Cuss service.


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They did not honor reward $100, I had balance 15k as the promotion deal required. In the end, they argued 99 cents in 15k wasn't my "deposit", it was interests, that doesn't count. So they refused to give the reward $100. Very deceptive business practice.


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Never get a money market account here, stick with credit card. The only thing the market account does is pile up fees forever, even after you close it. So keep the confirmation and letters of closure because you may be notified years later of negative balances and you better hope the customer service left a note on their side. I closed my mm account last year and got an email this year saying I need to put money in account or it will be charged. The account balance became negative 50 and luckily the service rep said she saw I tried to close it so she closed it (I assume) so waiting for another letter.


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I’m a new credit card holder. I was interested in a balance transfer. It is offered right after you get approved when you don’t know your credit limit yet but when you register and have an access to all that information that option disappears. Customer service was not able to help with that either. Customer service representative admitted that I’m right but nothing can be done at this moment. Such a waste of time due to bank error.


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I opened a Platinum Savings account with CIT and transferred a decent amount of money to the account from another savings account I have with another bank. This was done approximately two weeks ago. CIT took the money out of my other account within one day; however, as of today my money is still not showing on my account as available balance. This should be against the law. They are holding on to my money for almost two weeks now. I was planning on transferring more money to this account, but there is no way I will do that now. It is unacceptable. Do not open an account with CIT Bank.


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We have had a loan with them for 2 years. We have been members for about 15 years. No one will call us back about our title on our truck. We have called. Left messages with Gina. She never calls us back. When I reached out to the branch manager. We received a email from her just saying, "Oh is this your email." Yes it Gina. We had the same email the whole time we have had the account with you.


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I financed my 2022 CRV and unfortunately it was totaled. The dealership fixed their part but the bank refused to help on their end. The dealership took a while to cancel the extended warranty and the GAP they sold me didn't want to pay off the remaining balance after my insurance. I’ve never been late on my loan payments. I’ve always been early and paid extra. But for 4 months, the bank reported me delinquent to the credit bureaus and my credit dropped over 100 points. I've called, emailed and even the dealer called and explained the situation, but the bank refuses to send a notification to the credit bureaus to fix the delinquent reports. On top of this, the person I spoke to on the phone had the nerve to ask me if I wanted her to get me pre-approved for another loan. 


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I have used many banks, all the big ones. None have come close to the outstanding service at First Tech. Their employees are great as well as their products. I have now moved all our money to First Tech.


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I have had this card for more than 20 years. There is always a live person to answer the phone if I have problems. They will call me to check if it looks like there is fraudulent activity. They are very good about helping me on the rare times that I have to contest a charge. If I don't call them first to tell them I will be charging something expensive, or I will be using the card out of state, they call me to check before accepting such charges. Their security is extremely vigilant. If the card doesn't work for some reason such as at a gas station, there is always a live person I can call who will fix the problem. They do have a rewards program, and I can redeem points for a prepaid card I can spend on anything I want. If the card is lost or compromised they are very good about giving me a new card at no charge. From talking to friends and family, I know this company is far above most credit card companies in customer service. I highly recommend them.


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I have never had any problems with this organization. They are polite, considerate and quick to offer support. Using them I am confident that my information is safe. Also they have several types of cards like cash back or rewards.


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TCF bank is trash. All the years I been with them and have opt in to overdraft and cover my payments same day. They didn’t pay out today and they cut atm cash deposit at 8 pm and that doesn’t work for me.


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I have never had any issues with a bank until I opened an account at TCF. I had high hopes, especially since using this bank would be very convenient for me. Time and time again, I have been let down. If you want to be with a bank who cannot meet their own deadlines and penalize you for things out of your control, then TCF is a great fit for you. Almost all their employees lack expertise. They cannot answer simple questions or figure out what may be causing account issues. 


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Someone made fraudulent charges on my account so of course I called to deactivate my card so that I can receive a new one. They made me reach out to the company itself since I've done business with them in the past. The lady asked if I wanted to have my new debit card sent to me. I told her I would rather pick up a new one at a branch.. I waited until Monday because of course they are closed on Sundays and when I get there the guy told me that they no longer print out cards at the branch and this has been a rule since February 2021. Why was customers service not aware of this? 


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I reserved my 17-night stay (June 28, 2021-July 15, 2021) with a third party Orbitz.com as I have used this vendor before. I prepaid June 28, 2021 ($1248.65) at 1pm online on orbitz.com for check in on June 28, 2021, any time after 3pm. I arrive at mainstay suites in Hoffman estates IL a little bit after 4pm and the gentleman’s name Dan who was at the counter and introduce himself as the manager. I gave him my itinerary# and he ask to see a photo ID and card that I used to pay I inform Dan that I have already paid. He ensured me that he needed to swipe my card as a reference and nothing will be charged on it. Lies, lies, lies. My card was charged $433.02. I received a notification from my bank.


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In 2020, TCF merged with another company. During a pandemic, with no direction for what would happen next. I logged in to make our monthly payment on our second, which has never been paid late, and my log is would not “authenticate.” Tried resetting password. Denied. Tried entering account number, email, first born child. Denied. Got on the phone and was on hold for more than 2 hours, before being disconnected. Finally got through to someone, after multiple attempts, when the grace period had passed, had to pay late fees, had a hold put on our ability to access HELOC for 6 months, infuriating! And they knew this problem was happening to many people and took no responsibility. 


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About every 3 months they will find a way to charge you overdraft fees, even when your balance never dropped below $600. Just changed banks, after 2 years I've lost about $1,000 in fraudulent fees from this 'Bank'. FYI they are NOT accredited by the Better Business Bureau. There's your first red flag. Seriously I've dealt with some banks with sketchy practices. TCF Takes the Cake though. I have never experienced anything like this. How they are still in operation I'll never know.


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The merger between TCF and Chemical bank has not been the easiest for customers including the suspension of automatic payments. This required setting up new account withdraws in a very unfriendly system. Over the course of the last 9 months there has been issues every month which has required notices and calls, and after each call being told things were set/good moving forward, just to have the same issues happen over and over again. 


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I had someone fraudulently access $400 on my debit card. I called TCF Bank the next day of me noticing the fraud. I filed a complaint, I canceled my debit card, filed a police report and got a new debit card. Later that day I got a call & text from the fraudsters threatening me. I reported this to the bank. A few days later, they denied my fraud claim. I am pulling all my business from TCF and want everyone to know to NEVER TRUST TCF. Stay AWAY.


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My husband has been burned twice now by relying on their app. As other users have stated, it is not kept up to date. You can check it every day (as he does) and see a positive balance... Then, without warning, multiple overdraft fees will appear on one day. My husband just spent the better part of an hour on the phone with a woman who sounded like she was on another part of the planet and it was like dealing with a robot. She did not have any empathy for the situation and did not resolve it. I do not recommend TCF Bank.


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About a month ago I had a couple transactions go through my account that I didn't recognize totaling $183.90 so I called the numbers that were on my statement from the bank. Neither one of them had any recollection of why the money was taken out of my account. So I called my bank and filed a dispute. About 30 days later they refunded my money. Then about a week later they took the money back. They sent me a statement saying I was liable for the money that was taken out of my account with phone numbers to call the people who had took the funds.


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TCF very poor on fraud. I had my debit card hacked. Call bank. Stated I had to wait till Monday, their system not working. Call police and made a report. Call company that took hacked card. Took 2 weeks before anything happens. Then took the money back out of my account. Said they sent a letter. No letter. Stay away from TCF.


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The app is never accurate. This is the second time I went to sleep with money available so much that I transfer money out of my checking to my savings account! To wake up to 5 overdraft fees! I monitor my account regularly. Several times a day! The account was never in the negative on on my end!! They refused to give me my money back...made excuses and refused to take responsibility for the error on their part! There are time when I check and it says a certain amount, log back in later. It’s a different amount and does not add up! The math doesn’t make sense. Money is always missing out of my account and they can’t explain it. Do not bank with them, they steal your money! Class action lawsuit needed!!


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Back on January 2nd TCF made a mistake and paid out an amount to a creditor I had asked not to make payments to anymore. The creditor changed up from what had been the standard withdrawal and made it a different amount and for more money. When I called to find out what and why had happened I was told they made a mistake and the money would be back in my account the next day. It wasn't so I called again and was told the same thing once again it wasn't so I called a 3rd time and told this time TCF was not going to refund my money even though it was their mistake. I filed the complaint and left it at that pissed off. I found out today that on 2/22 they refunded my money. Can complain can also acknowledge when they have righted their wrong. It took a while but they made good so kudos to TCF Bank. It has changed my opinion of them and I will be staying on with them.


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Legit haven't been able to view my account info for about 3 days, can't get anywhere with the call banking, only bank I've ever had that tries to stay out of contact with you, blame you for everything even though it happens on their end. Pick any other bank than this one. Going to go to pnc instead soon.


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TCF 'Customer Service' is miserable. First their website hides the number, then when you DO find it you are connected overseas where the agents talk entirely too quickly in broken English and that is only if you can hear them over the distortion from the connection. Inevitably their first line is to tell you to 'restart' or 'refresh' to handle the problem...anything beyond that they have to connect you to the next level tech, which means they put you on hold until you are forced to hang up (last call took me 20 minutes before I had to get on with my day). TCF has been the worst for a long time, their merger with Chemical Bank has only made them worse. Time to move to my credit union full time... am done with their garbage.


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TCF merged with Chemical Bank. They charged a fee to one of my two loans as an overdue bill. After complaining and them falsely blaming me for their error...They agreed to waive the fee. My other loan is being overcharged interest by at least $25 per month. When I complained “Teri” stated they will charge me more interest, $200 per month. She said she’d file a complaint for me and then I’d hear from them. I’ve heard nothing from them. They lie. So what should be $153 per month interest and the rest applied to principal is $179 in interest and nothing applied to principal. Their excuse was two fold, their system did not take out a payment, which is automatic and has been for years now. And they stopped taking out $200 per month automatically which was what happened pre merger in order to pay towards principal. The approx 50 extra per month was to be applied to principal. 


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If I could avoid giving any star rating, I would. When Chemical and TCF banks merged, my nightmare began. Having a home equity line of credit, all that is required is to make the minimum payments and provide a copy of homeowners policy. After the merger, I received a copy of the policy change that showed TCF on the policy; which means TCF received a copy as well. First I received a "Second and Final notice to provide proof of coverage" and, in response, a copy was mailed. Next, a letter of "forced" coverage levied upon the balance of the loan. I called the loan department and was placed on hold, after being asked for my phone number "In case we are disconnected and she could call back." I hung up after 15 minutes on hold and am still waiting for that call back. 


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I’ve banked with TCF for 7 years and have dealt with the rudeness of their customer service reps and stupidity of branch managers. There is not even one good thing about this bank. Literally ANY other bank will be better than tcf. I tried closing an account for 2 years and ended up getting charged $10 for it being dormant. Then I was forced to drive to a tcf (3 round round trip) only to get told I can’t close my account without my original license. They have one file since I moved out of state. Seriously?? Why?? Now I have to go back AGAIN and now with my husband to try and close this account. Worst bank ever.


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After 22 years TCF during a pandemic decided that with no direct deposit due to layoffs, I should be charged 10 bucks to my account. What a blood sucking bank this is. Don't choose them for anything! So sad I did.


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I have been very frustrated and dissatisfied with the merger. The online banking is horrible. Transactions that would normally appear online right away, don't. Then some transactions appear 'pending' and the next day are gone. I balance my checkbook daily and the current balance does not match what I have. For some I can tell why my balance is lower (a transaction recently made) however it's not reflected in the 'pending'. When balancing my book daily, the balance should match all pending & posted transactions, if they don't appear in pending, then my balance should not reflect them. I have been sooo frustrated and considering switching. I've been with TCF since 1990 when I was a teenager and started working. I did once call the customer service, they took down my comments but just said they're working on it. Seriously, this has gone on for months now.


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25 years of banking with TCF, with little if any problems....until this year. They merged with Chemical Bank, and it has become a nightmare. Deposits disappear and show up days later. Funds not available in a timely manner. ATM's down all the time. Customer service is based out of country....Very hard to understand reps. Excuses for all the problems....Very little communication with their customers. TCF has gone downhill, fast. I don't trust them, at all. I am now looking for a new bank....AVOID TCF BANK!


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Banking with TCF 15 yrs. They don't take rolled coins, no notary public, use to be open 364 days a year. Now they closed all holidays and open about 50 hours a week. When you work 40 hrs and have to drive to your job. Not much time to get the bank. And now they closed my bank indefinitely. How's that for customer service?


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This company is super unethical. They pressured their employees to opt in their customers of overdraft protection so they can charge them fees. Their sales goals were unrealistic so people would open accounts for their family members and sign for them to meet checking goals. I don’t recommend banking at any TCF Bank.


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At one time TCF was considered a nice, reliable hometown bank, and for 15 years that was my experience. About 3 years ago I began having occasional technical problems with accessing my account online, or downloading transactions into Quicken. I would contact customer service through their Facebook page to report the problem, and it was usually resolved fairly quickly.


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I went to check my account and my checking account disappeared and so did my money in my savings account. I am on Social Security Disability and need what little money I have. My SS check is deposited to my checking account which is no longer showing. I am so upset and will be changing banks ASAP.


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I have been on phone trying to get ahold of someone. For over 2 hours put on hold. There is no local phone number to call this bank. Inly a 1 800 number which is all automated. Wouldn’t you think a bank would have phone numbers locally to be able to speak to a person. I am totally flustered. I will have to go to bank tomorrow myself to speak to someone. Very poor customer service. Do not recommend this bank.


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Our investment club just lost 2.3% of our available balance, due to something called "Less Average Float". Can someone explain this? It's bad enough TCF charges $3.00 for paper (and we know this is just about pure profit). The statement is undecipherable -- Average Negative/Positive Collected Balance; Positive Collected Balance; Less Non-Earnings Balance; Investable Balance and the final Excess (Deficit) Balance. And we lost $8.33 to something called float -- it's like they took the money from us (free $$$ to them).


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If you value customer service and easy to use tools, do not pick this company. It is extremely difficult to get through to any services and their Command Line protection services give customers different answers every time. I've been transferred multiple times and then hung up on multiple times before even speaking to someone. There is no way to escalate or email. Even before COVID, wait times were long, but now are running "greater than 60 minutes". I was on hold for 60 minutes and then asked to speak to a representative and it said "we seem to be having trouble hearing you, goodbye".


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I live in AZ and my TCF branch was sold to Alaska Fed'l Credit Union. TCF did not inform its Arizona customers that their on-line access to their TCF account would be terminated when the Alaska Fed'l CU sale was finalized. It's been several years since I utilized paper statements, so I had not printed any of my TCF Bank checking account statements and now no longer have on-line access to my former TCF account since TCF "closed" my account when the change over to Alaska Fed'l CU occurred.


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Ever since TCF completed their merger I've had issues being able to see my balance, posted and pending transactions. I log in successfully and there's no notes of site being down for whatever reason. Clearly logged in but nothing that shows account activities. This is pause for great concern as it's happened too many times since merger. Thinking of transferring banks. Wait time to call customer service is not acceptable either. Don't need this type of stress..


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On September 16th I received my payment from my employer. That's when I noticed two purchases made that totaled $126.98 on Sept. 15th that I didn't make. As I looked further, three more purchases were made on Sept. 16th totaling $229.97. So a total of $356.95 was taken out of my account fraudulently. In the descriptions there were websites given with Chinese names. Clue #1, right? I immediately called TCF on Sept. 16th to report it. I was told it would take 5-10 business days to investigate and to watch my mail for a letter telling me of their findings - basically if they find in my favor or not and when the money will be deposited back into my account IF they rule in my favor. In the meantime I was issued another bank card and the old one shut down. 


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We've had a business account at TCF for 9 years and have had no complaints until now. I understand that in this merger the TCF name was kept but the system was changed. My first issue is I hate the new statement format but I also hate change so I assume I'll get used to it. My second issue is lack of knowledge with the employees-when I called trying to get an August statement as the one I was getting online was Aug 9-Aug 30th-they told me they'd mail me one and it would be the format I was used to. After not getting it I called again and this time it was explained that the actual switchover completed 8/10 or so and therefore I will have a statement from 8/1-8/7 and a statement for 8/9-8/30 and the old format is gone.


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6 weeks ago I called TCF to ask why they have removed the credit line on my HELOC despite that fact we have been paying considerably more than the minimum payment and we have a huge amount of equity in our property. Was on hold for THREE HOURS whilst I waited to talk to someone, and then when I did they knew nothing about the HELOC product and promised to have someone call me back to discuss. No one has ever called me back. Tired of waiting for a callback. I emailed them... 3 Times... Still NO RESPONSE.


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I check my account daily sometimes a few times a day. I looked before I bought this last night. Had enough for it. I woke up this morning to see 5 overdrafts. I'm unsure how that happened because it still says I had enough in my account. This isn't the first time this has happened. I'm very unhappy with this bank and would tell everyone to find a new bank. I've been with Chemical Bank that switched to TCF Bank and never had a problem ever. I'm closing my account and making sure everyone knows what they are about. It's a bad place to bank!!!


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This bank has gone through a merger or acquisition and there is no way to either talk to a live person or to email them about issues or questions directly. Then when you cannot get your issue resolved they send you a late payment notice. What does it take to talk to a live person. You call and the recorded message now at least tells you it will be over 60 minutes...Who has that kind of time?


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I need to pay my mortgage and no one answered the phone after a 6 hour challenge in the queue. The bank merge apparently resulted in an account number change and I was not notified. At this time, I still have not paid and I cannot reach customer service. I can't pay online because MY ACCOUNT NUMBER HAS CHANGED without any notification. I always pay on time and now I cannot. So frustrating and demoralizing. Anyone got a number that works?


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My experience with TCF has been atrocious. Getting into their payment center has always been a challenge and recently it's been deliberately impossible. I had an auto-pay set-up on my loan and they decided to quietly cancel it and then say that I was "past due" on (wait for it)....$7.68. Yep. So I couldn't login to check the payment because all of a sudden the account and note info they gave me was "incorrect" (it's not, the system is just programmed to reject you - I know because when I finally got through to customer service it worked), no one would respond to my email queries and then BOOM they cancelled my payment without telling me to ensure I would have a "late" payment. Can someone close this organization down?? I don't see how this is legal. After waiting a LONG time I finally got through to a harried customer service agent who allowed me to pay off that whopper of a balance so I can wash my hands of them.


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My brother was a TCF customer when he died 2 and a half years ago. Every month, despite having gone into the bank with the death certificate to close all accounts; and being told 3 times it was taken care of, my mother has received statements of small finance charges being taken from the 45 dollars they wouldn't allow her to withdrawal from the account. It is now an overdrawn amount for a dead man. No amount of calling or going into any of their centers has corrected any of these issues. Ridiculous excuse for a banking institution.


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TCF merged with or bought Chemical bank which holds my mortgage. I have had nothing but trouble ever since! I have been making additional payments to principal on my house. Even when doing transactions with TCF staff they are misappropriating the funds and putting the money towards my regular payment. This is ongoing for 4 months and numerous calls to both 1-800 number and bank branch do not resolve the problem. I am trying to get online access to TCF and even this simple thing is being a huge headache! The system keeps texting the needed verification code to my land line. EVERY time I call customer service the wait time to speak to someone is in excess of 60 minutes. And the problems do not get resolved. RUN... don’t walk to any other bank in the world but don’t use TCF. I wish I had a choice but I am stuck with them. Plan to call an attorney soon as they keep misappropriating my money.


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9/04/2020 at 4:15 pm PST. I have called 4 days in the last 7 and have been unable to get through as the line is either busy, or after waiting for quite some time, the line goes dead. Today, after waiting on hold for over 60 minutes, a male customer service rep who did not identify himself, seemed skeptical that I was unable to login to my account and walked me through the rudimentary steps of 'forgot my password' and so on which I had previously tried. After determining that this was not working, he simply hung up on me. (I'm very careful to not be rude.) I have not received a statement in the past month and I need to see the status of the account. Craig R. Dahl is PRESIDENT AND CHIEF EXECUTIVE OFFICER.


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So my I’ve been with TCF for about three years and never had an issue but today I logged into the app and it says no card is activated under my name out of nowhere. I’m trying to stay calm but I can’t. I need my money and it just disappeared out of nowhere.


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Have been trying to get ahold of a person on the phone for 2 days. The 1st day 1 1/2 hrs on hold. Now on hold again. Who has this much time to hold. Tried to access my online account using my Id and Password. Says it's invalid. Try to get new password. Says email and account #invalid. Cannot pay my loan. This is the worst online and phone service I have ever experienced. If I could talk to someone that would be great.


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I had a HELOC with TCF Bank. I sold my house and escrow attempted to get a payoff statement, required to close the escrow and clear title. They sent FOUR faxed requests over 21 days to TCF with no response. We called and waited 2 hours, 20 minutes to get someone to answer, and they could not help us: "It's a different department, and that department does not take calls." Escrow delayed - they still haven't provided the required info. Do not use this bank!


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I opened a HELOC with TCF in 2017. Given current 2020 low rates mortgage rates, I opted to close the heloc so that I can refinance my first mortgage without a hassle. I called TCF, I received a payoff quote and was then told I could not pay more than 10,000 per day. (I was then told that was wrong, I could have paid it all off in one day. Incompetence #1).


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I opened my account with TCF back in 2011 after having a nightmare of experience with Wells Fargo. TCF has always been honest in the way I've never had any mysterious charge, or monthly payment. There was a time when my debit card was cloned and they took care of it right at way. Even though I moved to a state where there are no branches I use my online banking and it's so easy for me. Customer service is always great, I highly recommend this bank after the nasty experiences that I had with others. I don't feel the need to open an account in a local bank at all.


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As of today no customer service, I waited for 2 hours NO ANSWER on their 800-823-5363. I called first thing this morning central time 6:00 am pacific time. This beyond ridiculous... I have second mortgage. Portal is not.


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I have had countless issues with TCF in the past and lately feel as though I cannot trust my money to be kept with them. Next to poor customer service and inadequate phone systems, their online banking and mobile app are garbage. I was unable to access my accounts on more than one occasion over the last 30 days. I have had my card locked on multiple occasions without any alerts being sent and now I am so desperately trying to access my accounts in order to transfer money and pay my rent but it suddenly appears ALL OF MY MONEY AND BOTH ACCOUNTS ARE NON-EXISTENT. I am doing my best to not freak out but have yet to get through with any phone calls nor can I find a way to leave a message or email. When I find out where my money has gone I am taking it all out and finding a more trustworthy bank.


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Horrible customer service. I mean absolutely horrible. Representatives are not very knowledgeable, or they try to mislead you. Told me the incorrect loan balance multiple times when trying to make payments. My latest call took TWO HOURS to speak to someone. They don't even have a call back service. It's 2020 people. Get it together. So you literally sit on hold for two hours listening to some awful music. There are enough banks and lenders out there - steer clear of this company.


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I have dealt with TCF for at least twenty years. Their customer help was so-so, but they were always there for the customer. I now have zero access to my accounts and after an hour on the phone I was given a new password and told that it might work the next day... It's time to look for a bank that is protective and grateful to have customers. There are many banks so to remedy the extremely mediocre job setting up accounts during their merger another bank might be a good choice at the present time. There is not any avenue to take to get decent help if one needs it and it's really a shame.


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If you're having issues with your TCF debit card or accessing your account, you're not alone. Mere hours into TCF's merger, I was not able to use my card for anything, I was given incorrect account balance, was not able to use the automatic draft for bill payment, couldn't access the website for online banking and was not able to contact customer service for any of it. I have gone through many merges, however, never like this one. I guess they also save money on the IT group that they hired for the transition... Incompetent, extremely poor decision. Do not waste your time visiting the actual bank locations.. Their employees were not trained to handle the mess that they have created. Will close my accounts this coming Monday and will advise for you to do the same.


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Since TCF Bank has made themselves into new tcf bank, my checking account has been a complete disaster. First I get a balance of 9 dollars when I end my day. Next morning 269.00, a lie that I drew out 100.00. Now they claim I am 130.00 over drafted. They have you sit on a phone waiting for customer service. The service rep sounds all muffled, has no clue how 260.00 showed up into my account.. Went to the branch bank with same questions... Duh we don't know... I call to check my purchases. I get miscellaneous items. No explanation of my purchases. Then I get hung up on. Or wrong account pin number, I've been at tcf bank for many years and I'm ready to dump them and find a bank who knows what they are doing. Tonight I go to sleep again because these fools have messed up mine and every one else's accounts.


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We've been with TCF for 15 years, and they've gotten worst every time. Plus, every time I try to deposit in a check, it takes a very long time to process, especially on weekends. But this time, it didn't went through AND AAANNDD, they took my deposit off my statement. Tried going to the bench where I deposit the check at 4042 W foster Ave at Jewel Os co, and they didn't know what to do. Plus I got over-drafted 3 times for no good reason. When I asked about it they were clueless on what to fix and kept making up excuses. Tried calling Customer Service, It's just as bad as the benches and YOU HAVE TO WAIT 30 MINUTES JUST TO GET SOME RUDE LADY that tells you "oh yeah it's just an error. We're fixing it". Yeah that's what you guys said last time. DONT AND I MEAN DONT go to this bank. My dad is with TCF and I'm switching him over to Chase bank.


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What is going on?! New website is full of inefficiencies and errors and in our case no way to set up payments. Forget about getting in touch with customer service without waiting over an hour and a half or more. What a dumpster fire.


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Horrible customer service. 20 year customer with deposits available immediately, changed policy to a 2 day hold on checks with no warning. New Lenox branch open on Saturdays but when I went to make deposit on 08/20/2020 there was a note on the door saying closed due to "IT" issue. Called they said to come back in 30 minutes which I did and branch still closed with a parking lot full of cars. Called customer service today and was treated poorly. Called New Lenox branch and same treatment. Said I will be in to close account tommorrow she simply said "okayyy."


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The digital banking is a DISASTER. For two days and counting I cannot log in and when I call "Customer Care" I am told there is a 35 minute wait with no option for them to call me back. What an incompetent MESS!


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For over ten years, I’ve loved my local branch, but get highly upset calling the 800 number. Recording for years always says sorry, due to the high volume of calls... Hire some extra help! When I call, their prompt choices are not what I’m looking for, as it continues to offer more choices, I just want a representative. When I do enter my account number, it’s a waste of time, they will ask it again “for security purposes” (inefficiency). I press 0, but it ignores me.


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The customer service is horrible. The overdraft fee is $37. I hate this bank. One time I had good customer service and they did waive my $70 overdraft fee. But now during COVID, they wont waive my almost $40 overdraft fee, even though I couldnt check my account because the app was under construction and ALL customer service numbers would not even ring. I hate this bank and the rude customer service people who work there. I am on hold now and if they do not waive this fee I am closing my account. I have my overdraft option TURNED OFF, so they shouldnt even be able to overdraft my account. DO NOT BANK HERE!!!!


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I have had an account with TCF since the 80's. When I was married in the 90's I closed my single account and opened a joint account with my husband. Recently I needed to order a new debit card. It arrived but not with my name. I was told I had to go into the branch. I was annoyed as I have a full time job, a part time job and I take care of my elderly parents on top of everything else. TCF made an error and felt no compunction about putting me in a position where I had to leave work early to go to the branch to fix the error they made.


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This bank has been a nightmare. I have other accounts, but have kept this one since I was in college. Everything that can go wrong, WILL GO WRONG with TCF. Once again, they are requiring me to change my PIN and once again, they cannot help me change my PIN. Tomorrow it will be some other ridiculous problem that they create, then blame on the customer.


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The dollar amounts in the app are never correct and I have found a way to make multiple screenshots to prove it. If you do not balance to the dollar and realize the amounts are off they immediately (within an hour or two) hit you with an overdraft fee. I have tried to tell them it's wrong but they only want the money it generates. Will be switching banks but if anyone is in for a class action suit let me know. Yesterday I had 260 in my account. Spent 180. Now today I am negative 35... Does that math work for anyone else? And then add the insufficient funds charge that is already there... Taking advantage of people during these times. Shame on them


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I paid for two pairs of Nike Tennis online. And I seen were the money was pending. The next thing I don’t see the transaction of payment. What they did was Delete my payment and re-issue a new amount on my account. Have a me to believe that Nike was already paid for the merchandise. Come to find out they didn’t get the money. Which could’ve caused my account to overdraft. I feel if I buy something online and it is legit. Pay the people and quit playing games with my money.


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I applied for a PPP Loan weeks ago to keep and pay my employees, today they call me requesting more information...You have to be kidding!!! All my business owner friends got their loans days and weeks ago, goes to show who the upper class banks are and it's not TCF!!!!


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Case# **. On Friday 04-03-20 @ 10:27:58 am, I deposited $650.00 with a deposit ticket into the money intake slot of ATM#7001208 in Calumet City, IL 60409, @ Torrence & Sibley. The screen showed me my deposit ticket, clear as day, and said "I cannot read your check". It then issued me a slip that said “We encountered a problem returning your check. Please contact your financial institution." It kept my money, 5 $20s, 11 $50s and the deposit ticket. Bank door was locked because of coronavirus, no one would come to the door. I called customer service, then and there, in the parking lot, they said it would correct itself overnight. It did not. I called again Sat. 04-04-20, same answer, both times TCF refused to open a case# or dispute ticket. I have called on phone at least 25 more times and spoken to someone, they all said, “We will look into it,” someone finally opened a case#**. 


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I was with TCF Bank for years. I tried the business account with them and they sucked. So I closed it. My checking account They never update my address! So I had the regular checking with them. Never sent me any letters but closed my account without my knowledge. Said I owed 55 dollars for PayPal trying to take money when I know they take from a different account! Didn't want to argue so I just paid it! I went to the bank today and the lady just giving me a attitude. So I just paid it to get rid of them. And don't get me started on their credit card! Because it has their name but it's not theirs so you can't Make a payment through them or get info. 


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I contacted Tcf home loan department and spoke to a Ramsey ** who said he’d like to handle my loan. Biggest mistake I’ve ever made. He promised a 15yr loan at 3% provided a pre authorization letter. After he kept lying and saying he never received certain documents that were in my sent box that I’d already sent to him at least 5 times each. The guy is just completely incompetent. He had me and my husband do an electronic consent and the dummy put our current address not the purchase property which I have a screenshot of. I called to complain to someone else in the department and they literally just turned around and told him. He called and was yelling at me and belittling me while I was 32 weeks pregnant. (Big tough guy, right?) Thank God my Ring picked it up. 


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I THOUGHT Banking here would be a convenience with multiple Outlets at Target & Jewel Foods; for a little guy, they've made $$$ off of me and I'll explain how. I DO/DID use their L.O.C. attached to my Checking Account-a $10 Fee plus 1.85% MONTHLY if not higher on unpaid Monthly Balances. Checking Account hacked twice in less than one year- went to 8-Digits- recently told me I have to go back to 4 Digits. Couldn't explain why they thought that 10x10x10x10 when selecting a Pin # was safer than 10x10x10x10x10x10x10x10 i.e. an eight-digit random number-so unless I leave and I WILL BE-100% confident I'll be hacked again.


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I talked to customer service a few times. Very helpful but some of the people in customer service are not. The last one I talked to was very short and did not care about any of my problems. She did not give me her name. I had to ask who I was talking to. I wish I could give you her name, and you could call back a try to get someone else. She was very short. Sounds like she did not have time to talk to you. It's too bad that this is the kind of people answering customer service phones.


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I tried opening a checking and savings account with them in November. The money I deposited when opening the accounts "never went through on their end". However, when looking at the statements from my debit card, which I used to open the accounts, the money was obviously taken. I called many times, even went to one of their branches. I kept getting the runaround. They told me the money was already refunded. I never received that money, so I had to end up filing a dispute through my card company, so that they could get the money back. The dispute was won, and I got my money back in January. Now all of a sudden, two months from January, they're sending me a debt collector's notice saying that I owe them money. Money that for some reason they're saying was never there. Don't trust them. They are a very fraudulent company. They shouldn't even be in business.


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My son got caught up in a fraud scam and was allowed by TCF Bank to cash $7,700 in checks with less than $1,000 in his account, as apparently TCF does not follow their own Funds Hold policy when it comes to cashing checks (7 times greater than available funds) even though we subsequently received funds holds letters on the checks he was able to cash. All I was told was the checks were allowed to be cash due to "teller discretion" and I would need to speak to the Branch Manager. 


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They are stealing from customers with fake overdraft fees and when you cut the card off they continue to let vendors bill you so they can continue to collect overdraft fees. What they are doing to customers is worse than Wells Fargo. I'm reporting them to the Minnesota Attorney General Office. What else can I do? They stole 256.00 in overdraft fees and they said the account was closed. Please help.


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This bank shut my card down on me constantly. When I drove otr, left me stranded on the road for hours and days with no money. I even had to sit in an airport for 8 hrs because they wouldnt allow me access to my own money, but other companies is were allowed to take my money even after I contacted them as to a company overcharging on my card and an amount they did not have permission to do. Their dispute dept is a big joke. They told me they denied my dispute because I purchased something from a vendor!! After this vendor tried to get my money twice and TCF wouldnt give it to them, on the 3rd try they just gave them my money, after I had even contacted them that this business helped themselves to an extreme amount that I did not approve.


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I closed my account because of bad service. Any questions you asked them they don’t know ask for numbers to corporate they don’t know. After my account was closed they still let merchants make transactions on my account. So In other words my account status says closed however it is still open. When I call to find how is this possible they don’t know is what I was told. They are forcing my account to stay open even though I closed it a week ago. This sounds like something illegal to me. I will be contacting an attorney about this matter.


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The bank does everything to make sure you can't reach someone with a question. The only option after scrolling and scrolling to question is to tweet!!! If you call a main number the service staff are clueless. They make it hard work to find a number to contact customer support. I've had digital banking for many years and all of a sudden my payees are missing, history of payments are missing and the only answers I get is it's their vendors' fault and they can't do anything about it! I am so disappointed in a bank I have used for many years! Definitely switching.


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My family and I have been banking with this bank for 5 years and needless to say, I will be closing my 2 accounts. My experience with this bank has been stressful and unpleasant. Overdraft fees and charges out of the blue. No legit reason why. You can have money in your account at the time you make one or more purchases and a few days later you have overdraft fees on your account because they claim your transactions were still pending. I hate I ever did business with this bank. I hope all their locations go out of business soon.


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This bank is horrible!!! Money is constantly going missing. I check my account after every transaction to see if it has been deducted and it’s always taken out right away. Last night there was money in my account and this morning my account is negative!!!! They said it was from pending transactions. But once again I always check my account after a transaction and they always deduct it right away. I will be closing my account!!!!


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I'm a current customer with TCF Bank, my experience with them is terrible. I had automatic bill pay. I had to end it because every time TCF paid a bill sometimes they would pay by check which would cause me to have at least 3-4 overdrafts at $37 each overdrafts. I called the 800 number, spoke with a supervisor, I mentioned that I signed up for the automatic electronic bill pay not to you to send a check. I was told by the supervisor it's the bank discretion how they choose to make a payment either electronically or check. Now I'm a negative $206 in overdraft fees.


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Horrible service. Any problems will be pushed on to next employee. No one will help you. Banks are supposed to work for you not the other way around. I've been a customer for 2 years and will be closing my account at this crook bank.


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I was a customer of TCF bank checking account many years. Never had a problem. Always kept plenty of money in it. No overdrafts. Totally out of the blue, without no warning or reason given I received a letter from them informing me they were closing my account. I wonder if they choose my unique name or my faith and no due process for the reason the account is closing. I will move my money to different Bank and will cross my fingers, because any bank can do if TCF can do without paying any price.


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I was a customer of TCF with the same checking account for 30 years. Never had a problem. Always kept plenty of money in it. No overdrafts. Totally out of the blue, with no warning or reason given I received a letter from them informing me they were closing my account. I tried calling them numerous times to find out why they were doing this. No one would or could tell me. I was polite and business like and they were anything but. I finally got someone on the phone who told me he would look into it. He came back on the line after a minutes or so and tersely, bordering on rudeness, informed me that TCF reserves the right to stop doing business with anyone it chooses. I gleefully, finally blew up and used what can at best be described as colorful language with this clown.


