# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4320dc89dff94aee969947c6faf77b30
encoding: FLOAT32
metadata:
{"chroma:document": "I have had FNOB credit cards for years. I had a rough couple of years and have high usage on my cards. The last year or so, I have been aggressively paying down my cards to improve my score. As we know, credit scores are affected by credit usage. As I decrease my usage, my debt to credit ratio improves - NOT with FNOB. Repeatedly, they have LOWERED my credit limit, while I am lowering my balance. My other credit cards reward my on-time payments and my attempts to reduce my debt. I'll be keeping my business with those banks. Stay away, as any attempt to improve your credit score will be thwarted by FNOB. Why? So that they can charge you some of the highest interest rates in the industry. The worse your credit, the more money they make. Be wary and get out of an FNOB account the minute they try to lower your credit limit. This company hedges their bets against you. They are not your friend."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f2221c419bfc4d4391ec708634c05cdc
encoding: FLOAT32
metadata:
{"chroma:document": "I would give it to zero Stars if I could. This is the worst bank I have ever banked with. Their customer service sucks. They don't allow you to remove your own name from a joint bank account if you don't want to be associated with it. They don't allow you to transfer funds to any other bank unless it's another one of their branches so if you want to transfer money you have to set it up as a bill pay and then they mail out a paper check which takes a week or more to get to where I been mailing out paper checks in the mail. Who does that anymore? That is very Stone Age. This is a terrible bank. Don't ever sign up with them because you will never be able to close your account and walk away. I have never been treated so unprofessionally by a bank before. Every time I call them with anything I am met with tired grumpy sounding voices people who are very short on the phone. They treat their customers like crap."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bed1fd61d1c24b71b1c5853c549bdaea
encoding: FLOAT32
metadata:
{"chroma:document": "My mom recently passed. I call First National Bank of Omaha, they request her death certificate via fax, which I had to send three times because they weren't receiving it. Then I hear nothing from them until three weeks later I get a notice that they have a lien against my mother's estate for a $500 bill. One, they never ever sent me any bill. Two, my mom was a loyal customer for many many years. I at no point was shirking my responsibility and had given them my information so that I could pay the bill. When I called customer service the lady was snotty, told me that they have sent a request for payment three different times (in one month's time?). Why would I ignore those letters in order to get a lien on my mother's estate for a $500 bill? They are an unprofessional joke and I will never endorse, recommend or use first National Bank ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 20a42ad4fce243fb965bb084185b5755
encoding: FLOAT32
metadata:
{"chroma:document": "Hey I just wanted people to know what First National BANK OF OMAHA/ First Bank Card did to me.. My credit score fluctuates around 690 to 740 in the past 5 yrs. With that said I also have (3) credit cards with American Express with limits roughly $25,000 carrying about $4,000 balance plus a few more cards which carry no balances at all. So Pretty much I have $35,000 in credit in all..so I applied for this card for the gas perks etc. They initially gave me $5000 limit..ok no problem. I expected that much..I was going on vacation so I decide to..just in case..I needed it for an emergency only! I asked for cash advance which I already had & didn't know..so they sent me a pin number..so I never used the cash advance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cb9f1f3c5d9c4a5fb573dc802b6c5227
encoding: FLOAT32
metadata:
{"chroma:document": "My mom recently became ill and I am paying her bills. Received a letter regarding non payment. Called to make a payment and the representative was unwilling to make accept my payment. When I am clearly a secondary card holder. I explained that my mom recently had a stroke shock left her unable to communicate and I simply wanted to make a payment on the account. They are requesting that I mail/fax POA PAPERWORK. Wait up to 10 days for them to be reviewed and call back. I explained I\u2019m smiling wanting to make a payment and he still refused to accept that payment. Well not only is this showing on my credit as a closed unpaid account but I can\u2019t even pay them. Do not I repeat do not get a card from them. Their customer service is heartless, unprofessional and rude. This company is just money hungry and heartless."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de5edac0283a4ac993f3474c01a39ae3
encoding: FLOAT32
metadata:
{"chroma:document": "Always make my payments on time, if not early. Just received a notice that they closed my account because I \"no longer fit their credit profile!\" So now they're ruining the credit I have been desperately trying to repair by pulling my credit report without my knowledge or authorization and closing my account to boot!!!! STAY FAR AWAY FROM THIS COMPANY!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 27ceb40a85b149dea3f1418c15f6d947
encoding: FLOAT32
metadata:
{"chroma:document": "I was given a $5,000 credit limit via American Savings Bank, which uses this service. The credit card company tried to take the balance of my credit card out of my checking account without authorization! It did not go through and then they sent me a notice that they were going to reduce my credit limit, no apparent reason. I had been making monthly payments, and there was no reason. Whenever I would call in my payments, they never posted them, screwed up again. This company has messed up my life and the credit for so many others. How bout filing a class action law suit?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6016bec5d6e04403a346c2b27421dc3c
encoding: FLOAT32
metadata:
{"chroma:document": "We had the card for about a year. Carried a minimal amount on it and always paid more than the minimum and always on time. Received a letter stating it was being suspended for 6 months, no real reason or explanation. Next thing we knew it was closed. Again, no real reason and no explanation! We recently purchased a house other than that there was no fluctuations to our credit. A mortgage, one car payment and one other credit card. That is it. Nothing else as far as debt. Ridiculous hit to our credit. Wished we had never opened this account. Only did it to get the benefits since we visit Vegas 4+ times a year."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 313ba3b54f334ef093346e73fbde83d4
encoding: FLOAT32
metadata:
{"chroma:document": "WE have had a credit card with this company for decades. We always make full payment of our previous balance and have never missed a payment. We recently filed our first dispute. They initially were not even going to submit the dispute to Visa. We told them that the dispute was for misrepresentation. The customer service representatives didn't understand this dispute category at all. They finally submitted the dispute to Visa. However, We do not know what dispute code was used. Visa denied the claim. The company has not offered any other assistance except to tell us to work with the merchant. We called to cancel our card last night. No apology in any form was given."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dcdada6f93ea459d8a44357c0e9ce1e3
encoding: FLOAT32
metadata:
{"chroma:document": "First Bank of Omaha is a damn joke. I am not certain if Clark Lauritzen and his board are making decisions about people's credit lines and sending out letters based on with fictitious or erroneous credit information. I hold a Mastercard with this bank and my credit line was decreased by 30% at least. I received a letter from FBOA regarding some really thin details as to why the decrease occurred. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ede3a4ba2ef4958b13b0eba07ad723d
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this credit card since 2014. I recently made a payment more than double the minimum amount. I have never been late. For unknown reason, an old checking account which has been closed was used for the payment! I gave FNBO the new checking account number months ago! FNBO has processed payments for months using the new account. I get a nasty gram from their credit department saying my account is in delinquent status. I have since used the new checking account for the alleged past due payment. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97933bc594de4cbc905dc784e3101192
encoding: FLOAT32
metadata:
{"chroma:document": "First National Bank of Omaha or First Bankard stated that they would no longer carry the NRA branded credit card and would not open any more accounts with that notoriously abominable organization (sarcasm), but now they have started closing our accounts due to a randomly picked credit report of our creditworthiness. BS. This is blatant lying to their consumers, my credit has never been better, in fact my credit has increased in the past two years since acquiring the NRA card! FNB of Omaha is a farce and just bending their knees to the leftist destruction of our country. So be it. Glad not to be affiliated with such trash. Moral of the story? Stay away from communist companies. Hope I haven't offended any person because of my inflammatory rhetoric, but the truth hurts and the leftist are without the truth. Just my two cents and an honest opinion. Take it or leave it. God Bless America."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0154813752374ff1aece9eaf7574f3af
encoding: FLOAT32
metadata:
{"chroma:document": "This is a horrible institution. I was recently a victim of identity theft, and this bank did a lousy job investigating my case, they did not investigate it clearly and are holding me responsible to pay fraudulent charges that have been made. Do not waste your time applying this card, the customer service department is extremely rude and you are never able to reach anyone normal. Save your money and apply elsewhere. They will do anything to make money off you, even when you have evidence and provide proof you have been a victim of identity theft. Very disappointed in the horrible service and way all this is being handled. Do yourself a favor and never apply or have dealings with this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f83729fe28c42af8bdbf3d36abda5cd
encoding: FLOAT32
metadata:
{"chroma:document": "I would highly advise everyone stay away from this company and any cards marketed thru them. (check the bottom of the app for who issues) I have had several rounds with cards they issue, most often recommended to me via some platform. Each and every time a hard inquiry and then decline. My score stays at the high 780 to 820. Little debt, numerous accounts spanning 2 decades. Amex Plat no problem at all, numerous other high end cards. But these people at First National Omaha nothing but trouble. Before I ever accept or apply a card I check if it is connected to First National Omaha. Toss it. I even had a TCF prescreen app they sent me. Declined. They will post their standard BS reply to this so sorry, please call yada yada. Do yourself a favor. Stay back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a756f0f618e545598ba500081b05d9bd
encoding: FLOAT32
metadata:
{"chroma:document": "I received a call apparently from the head of mortgage lending to see if I was interested exploring refinancing since interest rates are low. I said \u201csure\u201d and he said he would have a personal lender call me with details. This person called and discussed the details. I said I wasn\u2019t really interested in refinancing but agreed to look over the outline if he ran some figures and showed me all the data. The next day I received the email with the details, I talked them over with my wife, and we decided that we weren\u2019t interested. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce02c7f2c8d3448e86ab833224e5d1ea
encoding: FLOAT32
metadata:
{"chroma:document": "A couple of years ago, I received a pre-approved Amex card form from FNBO. Since I already had everything else (Visa, MC, Discover), I figured, \"Why NOT get an Amex?\". Since many smaller businesses don't take Amex, I really didn't get any use out of it, but since closing an account can at least temporarily hurt your credit, I decided to keep it open, even after they refused even a modest increase of my already modest ($2,600) credit limit. On Sept. 27th, I got an email from Credit Karma in which they asked \"Did you close this account?\" It was the first time I'd heard of FNBO's intent to close my account for \"lack of use\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c7ef83f3a5b4f55a13e63c9acce6295
encoding: FLOAT32
metadata:
{"chroma:document": "Updated on 02/07/2020: I had account with 1st National Bank of Omaha. 1 year we made agreement to pay $56.00 a month which until Sept of Moxley and Associates sued me. I agreeded to pay $227 a month. In Jan I got bill from 1st Bank Omaha saying I needed make payment of $78 in 5 business days. I called Moxley. No they wouldnt do that. Today of Feb 7th I got a bill from them again. From 1st national bank of Omaha sent me another bill to pay. I now question Moxley law (Whom has not Validated the debt) if this is even a fraudulent lawsuit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88660783de254b0c9303bad1c26fe045
encoding: FLOAT32
metadata:
{"chroma:document": "Do not use this bank. They have no control over fraud. Completely sabotaged our payroll and then when tried to call and put the account on hold that was fraudulently set up by another person they said NO! They wouldn't freeze the account. What type of bank does that? This bank is full of thieves... That's it.. Don't use them EVER!! Not for banking, not for credit, not for ANYTHING. If you value your monies you will leave this bank out of your equation!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 357b87b4f09c4c95b21d48105caf98e4
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a member since 2016 and never missed a payment. They have raised my credit limit. They out of the blue lock the card stating I have too much debt. Like I stated I have never missed a payment and most of my debt is I bought a house. They said they will review my debt in 6 months and decide if they will let me use the card again or close the account. From what I understand is closing of accounts hurts your credit even more. I just can't understand if I have been a good customer and never missed a payment why you would do something like this. When I called they wouldn't work with me at all or listen to me that 90% of debt is a mortgage. All they would say is we will review in 6 months and decide. Very frustrating when you're a good customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b9af0d2854924ec4a33b859eb870ade1
encoding: FLOAT32
metadata:
{"chroma:document": "Good interest rate on savings, 100 times more than local offices here, inconvenient of course that it takes a day or longer to deposit, transfer funds, or withdraw (into another bank). Weekends and holidays exaggerate the timing too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d46f87b863c3468fb83daa476466792d
encoding: FLOAT32
metadata:
{"chroma:document": "After reading the reviews on this card (First National Bank of Omaha Visa Credit Card), I thought I would apply for an account with this bank. With a CK score on 780 and 781, 22 credit cards (18 with zero balance due), 4 cards with 19% credit used. My total credit available is 134,480.00, and I have an income of $100,000.00 per year. When I requested the credit, they denied my application for credit. If I was able to speak with someone over the phone, I would have told them, thank you and I hope they would be able to stick their card so far up their back half, that sun would never shine on it\u2026 BEWARE OF THIS ONE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f916f9350ed44f338a1c82d9ff525bd2
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had a credit card with this bank for quite a few years now. I originally opened it for the balance transfer option, and everything went smoothly with that. Fast forward to the past couple of years they began significantly raising my credit limit, even though I wasn\u2019t using the card. I would randomly get a letter in the mail from them telling me they raised my limit again and again. The final increase was to $30k, and at the time I didn\u2019t even use the card, so it was irresponsible of the bank to issue such a credit limit. It seemed insane to me but I figured it didn\u2019t hurt my credit score, so whatever. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22166bb84c7942e7ba387c913e2d4c5c
encoding: FLOAT32
metadata:
{"chroma:document": "I had two American Express credit cards through First Omaha Bank with perfect payment history yet my credit limit kept getting lowered like many other on here! Never missed a payment or was late and their reasons for lowering my limits were nothing more than garbage! So today, I took their advice and lightened my load by cancelling both cards and going forward will not do business with them in anyway and will spread the word how bad the bank sucks! Funny thing is that 5-6 of my other credit cards from other banks all raised my limits and were self generated on their part, so guess they like the business and my credit! DO NOT USE THIS BANK FOR ANYTHING AND I MEAN NOTHING!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 86a6d3e1a339459dac59a7f959e611e0
encoding: FLOAT32
metadata:
{"chroma:document": "We have had an FNB credit card for 28 years when Experian notified us FNB had cut our credit limit nearly in half, without any justification or request negatively impacting our credit score. Not once during that 28 year period have we ever been in arrears or late. In fact, we always paid off the amount due in full before the due date. When I called to discuss the situation, I was told a letter had been sent 7/11 explaining the situation and they wouldn't discuss it with me prior to my receiving the letter. Three calls later with the final occurring 7/21, I was told they are delayed in sending out the letters but the credit department would not speak with me period. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba1be492a17b4d5ab2cd0db5130c0712
encoding: FLOAT32
metadata:
{"chroma:document": "I am a credit card customer but not for much longer. My May statement showed a 2400.00 balance which was paid prior to the due. The account was paid in full but not according to them. They assessed a finance charge of 26.00 in spite of the fact that it was paid in full. They cite some legalese that basically is a just an excuse and are indifferent to you as a customer. I have filed complaints with the BBB in Omaha and the Nebraska Attorney General's office for deceptive trade practices."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80d1a63298574ed98e458320166c92ad
encoding: FLOAT32
metadata:
{"chroma:document": "I am 58 y/o and have had many different credit cards since I was 18 y/o, 40+ years. First National Bank of Omaha is by far the worst credit card provider I have ever experienced. Without any notice or solid reason, one day out of the blue I received a letter by US Mail notifying me they had closed long-held credit card my account. They claimed to base it on credit ratings but the strange thing is my credit rating actually improved according to all three major reporting agencies. When I contacted FNB, they revealed they actually have their own rating system. In other words they use an internal system, which no consumer has access to and FNB won\u2019t explain, to decide whether to keep you active or shut you down."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8aced45b9bbc430f8061f22983c9b010
encoding: FLOAT32
metadata:
{"chroma:document": "I went into the site in April to pay my credit card off. On the site they list 3 amounts, one for minimum payment due. One for statement balance, and one for total balance due. Which would you like to pay, I selected total balance due. Lo and behold I have been getting collection letters stating I have a balance due. When you call them you get the same explanation repeated 5 times just with different wording about as to why there is a balance. And to top it off you're talked to like an idiot. And to further aggravate you, you get put on hold for 30 or 40 minutes at a time. Mmmm wonder why there is so many call ins!!!! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01bd8aff3f8b44e594ab210c016549fe
encoding: FLOAT32
metadata:
{"chroma:document": "I actually would like to give zero stars. I have dispute on my credit card charge, so try to contact to customer service but it is almost impossible. Called to their customer service # few times. They kept transferring me around to departments, after more than an hour wait got disconnected. Called them again, but same results. Then I sent inquiries messages several times already via online message center, of course no response from them at all. Seems like they try to steal money from their customer. My issue is still unsolved."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6bf7135749b14b87b86f1e8192b1079a
encoding: FLOAT32
metadata:
{"chroma:document": "Took my $300 deposit. Immediately took a $25 \"Annual service charge\", I paid my first payment of $50 (they only ask for $10, early by 5 days), which they claim they never received but I received a confirmation number. Then I started receiving 50 phone calls and 30 text. Now I'm being charged a 22% late fee on my own money and I'll bet they are reporting this to the credit bureaus. They are doing more harm to my credit than good. I will NEVER use their \"CREDIT\" card nor give them one more cent. Their customer service reps are pompous jerks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1160ff8f9c214da8b89ea4d4f0b7f68a
encoding: FLOAT32
metadata:
{"chroma:document": "I had 2 cards with this bank, NRA and Orvis. I received a letter stating they were closing my Orvis account because I didn't score well enough in their review. I called to inquire why it was being closed and got the typical corporate BS answer. I was so furious I told the customer service rep to closed my NRA account as well. DON'T DO BUSINESS WITH THIS BANK, now I'm going to have derogatory information about me to the credit reporting agencies that isn't true. I never missed or paid late on the accounts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c10ed7d6034a4448908c46ba17a91bb4
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give zero stars I would. I was alerted by Credit Karma that my account with FNB Omaha was closed. Never received a call or any kind of notice. I was shocked because I have never been late on a payment. I have always paid more than the minimum. I have never maxed out my card. I was in the process of rebuilding my credit. Now my credit score has dropped drastically. I am so disappointed in FNB Omaha. This is not how you should treat a loyal customer. Absolute crap."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 831a34fbda924288b5a053ddc5cf9d9b
encoding: FLOAT32
metadata:
{"chroma:document": "My Sheetz credit card was closed by First Bankcard-First National Bank of Omaha. They said they use a scoring system and decided to close my account. I have never paid late. I always pay more than the minimum due. It is bad for a business to treat great customers this way because of a ridiculous scoring system that does not reflect me at all. This card was great until they did this to me and my credit score. I would not recommend this company if you intend to always keep the same credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8c9415221814aa3860d4d4ceee8ae45
encoding: FLOAT32
metadata:
{"chroma:document": "I had a SCHEELS Visa since 2015. Never was late on any payments! I have fair credit. I was working on getting better and then they close my account without warning with a balance! Then proceed to send me a letter saying I\u2019m responsible for paying balance of the card with I was already doing! And they hurt my credit even more by closing an account with a balance. So unfair!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4343f09e9bd34ff68ea9d802231255ff
encoding: FLOAT32
metadata:
{"chroma:document": "Had our Mlife credit card for well over a year. Never late, on time payments always. Credit score not the best. However you guys decide to make it worse by closing account our account. An account we haven't even used for over 8 months due to paying it off. Lower balances if you have to, or at least warn loyal customers before you decide on close an account and do further damage to their credit. This is a very poor practice and from the amount of negative comments I foresee a class action lawsuit in your future being very likely."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fdbc8889f2e947a8ac34e958158e6aef
encoding: FLOAT32
metadata:
{"chroma:document": "I have had an FNBO credit card for for 2 years. We periodically used the card and primarily took advantage of the balance transfer options. We never went over our credit limit or missed a payment. We were alerted by our credit monitoring company that our account was closed. Upon calling the company we were told they pulled our credit and decided to close the account. They said having a high balance was bad for our score. They don\u2019t care about our score because a high limit card being closed by the grantor makes our score drop even more than our high balance. Plus they didn\u2019t have a problem with the high limit when they offered me the balance transfer. I am closing my savings account with them tomorrow and will NEVER use another FNBO product again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4084103aaf694e70ba0d562437429c5e
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a card with them for several years now and they didn't give me any reason to say a bad thing about them. I request cl increases and got approved. I then chose to open another account because of how good they treated me. I got approved. My wife took off for one year to take care of our son and I used credit to supplement our income till she started working again. I froze my credit to prevent fraud and in Hopes to help me improve my credit. I got a better job and she started working again. I started paying off debts with a tax return and a loan from my 401k. I budgeted my payments to payoff credit cards starting from the lowest balance, working my way through the cards. Next thing I know, I get a notification from my credit monitor that a card has decreased my cl. It was one of my FNB cards. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e86fd11151d147e5ac0bd978faeb6f74
encoding: FLOAT32
metadata:
{"chroma:document": "I signed up for a Best Western Master Card. When we attempted to redeem rewards we learned the process was very cumbersome and decided to cancel the card. I had just paid an annual fee, and asked to have that refunded or applied to the one purchase I had made. They told me because I had made one purchase they would not refund any part of the annual fee. So I was charged 59.00 for the upcoming year. They refused to prorate the fee or apply it to my bill. These people are Banksters."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d76ae6673caa480c89118edb1e29f42e
encoding: FLOAT32
metadata:
{"chroma:document": "I pay all my bills online thru bill pay. Because this bank does not participate, my bank has to send a check thru USPS. The check was mailed 2 days prior to due date but was not processed until 4 business days later and credited yet another day resulting in a late payment and a late fee being assessed. I contacted the bank as they waived the late fees but I still closed my account. Very poor customer service!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2959701ca0443288791e010db769e00
encoding: FLOAT32
metadata:
{"chroma:document": "This card is a joke!! I have had the MLIFE card for about 3 years, started with a limit of 5,000. Used the card only in Vegas for our trips. For 2 years in a row now they have decreased my limit for no reason. I have other credit cards that have sent me credit increased recently and this joke of a bank decreased my credit limit. I have never been late on a payment and always pay the balance in full. I have made a 1500$ payment 2 months ago, and another 815$ payment 2 days ago, paying the card off and they decreased the limit. AVOID this card at all cost. I won't ever use the MLIFE MasterCard again, MLIFE you need to find a different bank to go thru for all your customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad607d857b4a492ba851c30e68cf974d
encoding: FLOAT32
metadata:
{"chroma:document": "I opened this card to use for travel expenses and let me just say it was by far the worst customer service I have ever witnessed and I run a restaurant and deal with people all day so that\u2019s saying a lot. I was locked out of my account so I called to get it reset to make my payment, that never happened. I tried to send a check through mail. It got sent back and when I was told a supervisor would call to try and help me figure out what was going on they never did. So now they closed my account for permanently and basically told me to figure it out myself when I have never missed a single payment in the past. Would not recommend this company to my worst enemy. Absolutely horrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c7f54a8c03f749faa8b00da9bf769b6b
encoding: FLOAT32
metadata:
{"chroma:document": "They sent me a card that I didn\u2019t apply for. I destroyed it. They started sending letters about it. I called and told them I didn\u2019t want the card, didn\u2019t apply for it, and wanted it canceled. They are now sending me bills and are saying I\u2019ll soon have late fees. All the charges are to Orvis, a division of FNB of Omaha, it\u2019s a Visa. I think I should be able to sue them for my time and, esp. if they ruin my credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea8c7ccdd1ce4d65b42dd5d44aa52058
encoding: FLOAT32
metadata:
{"chroma:document": "Have had their Dodge Performance Credit card for three months now. Paid off the full amount the first month then they put a hold on my account from paying online. Sent me a letter stating such, so I called customer service (waited 32 mins). The girl told me she would take the block off, mind you they took the money out of my bank account days before this cleanly. Told her I also wanted to pay a $200 new balance weeks before it was due and logged into my FNB account after not seeing the payment leave my bank account after 5 days and it showed a return of funds."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d4f43077039441e9a53a31fce7fca8a7
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been an account holder with this bank for 6 years. My limit was 5k with a decrease to 2,500 about 6 months ago. Never a late payment with anyone for over 10 years and today Credit Karma revealed to me my account was closed in January. This is something to be expected if you're not paying on time I\u2019d assume but to not notify a customer that\u2019s been with you paying on time for years is extremely unsettling."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3a960bb2d41418f984fb919bd4f8bf7
encoding: FLOAT32
metadata:
{"chroma:document": "Avoid opening an account with them, if you need money go to a real bank, this is an online bank live and expand by the fees they charge even if you pay in the same month, such a business need to be further investigated as it has 0 satisfactory!!! What a business in the world that has 0 satisfactory!! Not even a Chinese scammer business!!! IF YOU WANT TO HAVE AN ACCOUNT WITH THEM LOOK AT THE REVIEWS EVERYWHERE, if you see 1.5 not even five then there is a satisfactory, they have 1 because there is nothing less than 1, if there was -100 they will for sure have it. THEY GOAL IS YOUR MONEY NOT YOUR SATISFACTORY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0438e966c0945c4a9eea7cfe34a807b
encoding: FLOAT32
metadata:
{"chroma:document": "Warning. If you choose to get a First Bankcard it will end up being the BIGGEST mistake you could make with regards to credit cards. It is so bad I refuse to shop on Overstock.com ever again. As with many other reviews I have seen my card was paid on time and not over the limit. It had been in good standing. Today I received a notice saying they are cancelling me and one of those reasons was because I paid off my car and instead of getting a new one with a monthly installment note I chose to remain free of a car payment. So they cancelled me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f72795e94384788aa8ce434cde142dd
encoding: FLOAT32
metadata:
{"chroma:document": "I too had an Overstock credit card which was issued by, First Bank of Omaha. 6 months ago they found Credit-speak reasons to lower my limit (although I didn't use the card) and this month, I received notification that my account had been closed for the same Credit-speak reasoning. Paying on time every time and higher than minimum payments has not stopped them from damaging my Credit. I would involve myself in the class action lawsuit I am sure is on the horizon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16792ee868644e61b04435f8b352f594
encoding: FLOAT32
metadata:
{"chroma:document": "I have had my card for over 5 years. Always paid my card on time double the amounts. Was never late. I got a letter yesterday 2-25-19. My account is now closed. The reason they explained in the letter was they received a notice from the credit company. I have never heard of this before, my credit report will show for the past 20 years all bills have been paid on time. Closing a card lowers your credit score. I did call them. They advised, \"Read the letter. That is why your card was closed.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce4e96f53c5e489e9987a6aca032f43f
encoding: FLOAT32
metadata:
{"chroma:document": "I called to cancel my First Bankcard on the day I received the notice that the annual fee was posted. They could NOT waive the fee. I am not happy. I had a zero balance the month before. They told me I was notified of the annual membership fee coming due so they will not waive the fee. I have never heard of such a policy. Not a happy Customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 92320cd2874e44baa35efd99cb5eecc8
encoding: FLOAT32
metadata:
{"chroma:document": "Updated on 03/07/2019: I paid my balance IN FULL on my RAKUTEN Master Card just a few days after First Bank closed the account for no apparent reason. Always paid on time, never late, etc. I called First Bank customer service today, but even with a zero'ed balance, they will not even consider reinstating the account. I don't need their credit line, I have several others bank cards with full available credit. What upsets me is that they slam the door on me when I call to request a consideration of reopening the credit line. No negotiation at all. They say I need to reapply as a new customer... Caveat Emptor with doing business with First Bank Of Omaha. They will throw you under the bus!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 141a15f144744f2a930054c1afd6e755
encoding: FLOAT32
metadata:
{"chroma:document": "Like everyone else I had an Overstock credit card which was issued by, I believe First Bank of Omaha. Last month, I received a credit monitoring notification that my account had been closed with various \"waffle\" reasons given. ZERO notification from First Bank. It seems they have ended their association with Overstock and are closing accounts. Happening to many people and credit is being ruined. Currently myself and several others are investigating a class action lawsuit due to their underhand actions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 116f04e5eb024b0197349d3665bb07ae
encoding: FLOAT32
metadata:
{"chroma:document": "FNB OMAHA did not notify me of this cancellation until I disputed the notice that it was closed on the credit reports. On 2-22-19 I received notice. The reports were accurate and on the same day I received a notice that my account was closed. The notice was backdated to 1-17-2019. Never late, paid more than minimum, had this account for over four years. From what I found in researching this, the credit card companies can do this at their own discretion without notifying the card holder. This is really a bad practice. Hope these complaints have an impact, would like to have the companies notify their card holders when the account is canceled at the time the action occurs rather than when a card holder disputes it on their credit report."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0f2b1a70361495b8b256b14f6716466
encoding: FLOAT32
metadata:
{"chroma:document": "Have had an Overstock credit card for over 5 years and received a letter today stating the account has been closed. The letter is stating that the account is closed due to excessive delinquencies. I do not have \u201cexcessive delinquencies\" with this account nor on any other account. My credit report does not show any delinquencies either. Not sure what is going in with this company but based on the number of recent complaints I believe something fraudulent is going on."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2239b040c22d4b04928a9a218f2c1c09
encoding: FLOAT32
metadata:
{"chroma:document": "First National Bank of Omaha closed my \"in good standing\" account without warning. I have had the account for over 6 years, ALWAYS paid more than minimum due and NEVER made a late payment! Today, First National Bank sent me a letter stating that my credit score had dropped so they were closing my acct. Despicable action since I have proven to be a customer who pays my bill and ALWAYS on time. I am very unhappy and would never recommend the company to anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba012a05b3324150b278d21c702e3c9b
encoding: FLOAT32
metadata:
{"chroma:document": "I checked my credit score a few days ago and my score had dropped by almost 30 points. I looked and saw that my FNB credit limit had decreased from $5000 to just over $2400, that made my usage go up to almost 95%. So I called customer service and the lady said that I had too many inquiries and something else, she said they sent out a letter which I never received. I don't have any recent inquiries on my credit report, the only thing that I see is that I had a late fee, which I paid my bill on the due date, but it was after five and was charged a late fee, which was then credited back to my account. I think that was the reason they lowered my credit line, I looked back through my past statements and had not had a late fee since 2015. They are full of crap and I will be paying off they card and closing this account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: affe501cea6046179fed50b247f0116a
encoding: FLOAT32
metadata:
{"chroma:document": "FNB of Omaha decided to close my account without telling me. If it were not for Credit Karma alerting me of the closure, I would not have known. Apparently, they closed my account in mid-January. I, however, made a pay-off payment a week ago, so I owe you nothing! I called customer service to be told they longer partner with Overstock.com. I asked why there wasn't any correspondence sent out about the closure, to which she responded \"letters were sent out this week.\" Aren't you supposed to inform customers BEFORE you close their accounts?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1860d4ca8837410292291832ce8ae11d
encoding: FLOAT32
metadata:
{"chroma:document": "Closed my account without warning. I always paid on time and more than the minimum. I had over $2000 credit available when I received an alert from Experian that the account was closed and marked settlement. Now, never missed a payment, FICO in the 700s and they do this. I called customer service and was told, letters were supposed to go out. Note the plural, letters. Other people have experienced this as well I can see from the posts. We're in process of selling and buying another house and First National damaged my credit for no reason."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f3eca166c310402a94c70de097dd7c8c
encoding: FLOAT32
metadata:
{"chroma:document": "Our account was compromised 12 times at various Sams Clubs in Florida in one day. Luckily for us, I do not depend on the Fraud Division to monitor our accounts; I check our balance daily. The bank did \u201ccatch\u201d some of the purchases and immediately reversed them. There were a total of $1,100 various purchases made. I never received a phone call, text or email advising us our account had been compromised to report fraudulent purchases, nor did they cancel the debit card used. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc264ed226504126bcb4abe60605ad9a
encoding: FLOAT32
metadata:
{"chroma:document": "I had a wonderful, long, 10 year relationship, with 1st Bank of Omaha until today. I was diligent about making the payments and always carried a balance during those years. Basically I was a very good customer, and they made a good bit of change over the years keeping me as a customer. So imagine my surprise to find out my account had been closed without warning. To make matters worse, I found out what they did because they sent me a replacement card in the mail. I called up customer service and tried to activate the card only to be told - \"Sorry your account is closed. Your credit score has changed and we no longer want you as a customer.\" I would be getting a letter in the mail notifying me of the change. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41189ee9783a44c4b10fad7eedb2cb92
encoding: FLOAT32
metadata:
{"chroma:document": "I opened this MasterCard 7 years ago and saw steady credit line increases since I never paid late and never went over my limit. Last year they dramatically decreased my limit saying their automated routine credit review decreased my credit limit. All the while three other accounts at other banks INCREASED my credit limits. I refinanced my home and dropped my overall credit balances. My credit score WENT up on all 3 credit bureaus and suddenly without notice they canceled the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b221b66ddf844249fa854fc22442064
encoding: FLOAT32
metadata:
{"chroma:document": "Discovered by accident that my Mastercard had been closed out. Spoke with customer service and was told multiple accounts have been closed recently by the bank. Also that I would receive a letter in 7 to 10 days to explain. Strange way to do business. Was making minimum on time payments each month. Assume that was it not sufficient for them to conduct their business. This could and should have been handled better and I should have had the opportunity to correct any perceived problem. Very poor way to do business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1751b65470ba4c828a1f2cd41b3195b2
encoding: FLOAT32
metadata:
{"chroma:document": "I am among the thousands of people who magically have their credit card limit decreased right above current balance even after years of being a customer with 0 late or missed payments with them or anywhere else. I mean 0. This horrible credit card company will reward you with credit decrease in an attempt to harm your credit making it look like you're utilizing all your credit limit. STAY FAR FAR AWAY. THEY ARE BAD BAD BAD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b1780b8791d433b9fbc3623470ac4c1
encoding: FLOAT32
metadata:
{"chroma:document": "After having this card for over three years, they have given me another credit decrease right after they gave me an increase. I have never had a late payment with this account or any other account, had to find out by Credit Karma my credit has been decreased by 50%...no notification, no email, no message. Called customer service and they were less than helpful. This is not first time this has happened, now my credit limit is at almost at 100% and my score has gone down by 10 points. I will pay off this account and throw the card in the trash along with its almost criminal APR... Don't waste your time with this inferior credit card company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b4f46ce108a4e0c8ad10529dbb3e68f
encoding: FLOAT32
metadata:
{"chroma:document": "I have had my Overstock credit card since 2017. I have never had any late payments and have always paid over the minimum amount due on this card. I recently made a payment on my account and went online to check that the payment had gone through, and to check my available balance when I discovered that I had zero available credit. I immediately called to find out what caused my available balance to be at zero and was told that the bank had closed my account due to my credit score. My payment history has been immaculate with no late payments or collections for over 10 years and this company decides to drop me and put a black mark on my credit history for no valid reason and without notice. This is totally outrageous to get dinged on my credit when I pride myself in making payments on all my accounts on time. Shame on this company for this type of practice that negatively affects their customer's credit history."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1dd9bbe5d01b4328aa4ff9b6ffc644de
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{"chroma:document": "I received a pre-approval offer for a credit card from FNB stating balance transfer 5.99% interest until paid off. I transferred my balances to their bank and paid a fee of well over 400$ for the transfer hoping to save interest. I received my first statement and my minimum payment is almost 1000$. Why would I transfer balances I wanted to pay down at a lower interest rate to them and have a minimum payment 4x the normal payment anywhere else? now I will pay off the card and close the account. I will contact the NYS banking department to let them know about their unfair practices of bait and switch. They had me move my balances over with the promise of a rate 5.99 until it's paid in full. They are trying to make me pay it off in a year. Worse SCAM I have ever seen. Stay away from this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e95d7cb442542078799ee61e4d4b8c8
encoding: FLOAT32
metadata:
{"chroma:document": "I've had my card from FNB for 7 years. Started out at a very small credit limit and am now at 30 gs they have always stayed on top of my transactions. How I paid and I have never ask for an increase, my experiences I have had are top rated. Quite pleased with this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 69fbc53a3c9c4adf9b489dc045eb044e
encoding: FLOAT32
metadata:
{"chroma:document": "I got taken by the kiosk merchant, claim their printer terminal was not working then turn around. Charged me in excess of 500.00. File the dispute but since I give them the card, the lady at the dispute department told me they can't do anything at all! Really? And signature they try to pass off as mine is not by mine. Still no go. This company will not stand by the consumer, I still have to pay since my credit rating is important to me and unfortunately I do want to earn future points from the M life. I did not close the account, however, in the future, I will only use this card for M life purchase only since I know I will not get any normal credit card purchase protection. I would give Minus 10 rating if I could!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 289bb83947e4422aa069cca053b2319e
encoding: FLOAT32
metadata:
{"chroma:document": "On Dec. 1st 2018 First National Bank of Omaha STOLE $960 from my checking account and is claiming \"skimming\" fraud at the 108th & Blondo ATM. No skimming fraud has taken place. First National has committed this fraud and I am concerned about how many customers that have used this ATM have also had their money stolen from FNB. The funds in question were reported missing on Dec. 2nd, but FNB didn't report until the 4th. Federal Law provides them 10 business days to conduct their investigation and issue their determination. However, if they can't definitively prove that their account holder engaged in the fraud, THEY MUST RETURN YOUR FUNDS. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c4125cbefc04278ba1d680552c9feb7
encoding: FLOAT32
metadata:
{"chroma:document": "I am a twenty year customer and I have always maintained several accounts with nice balances. I had a maintenance Free checking account from when I first opened an account with the bank that I was no longer using that was charged maintenance fees until it had a negative balance starting a little over a year and a half ago. I had left a little over a $100 in the original checking account and had not worried about it since it was a service charge free account and I would close it once I was sure that no additional charges would come through.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd58fa6e8053491da13ecbc1bedd8b75
encoding: FLOAT32
metadata:
{"chroma:document": "This is the WORST credit card customer service department that can possibly exist!! Someone stole my account information and got into my online account and changed my address and email. They did alert me to fraud, so they cancelled my account and issued me another card. Guess where they mailed the new card to? THE FRAUD ADDRESS!! So we went through the process again. I got a new card again, but they reported the fraud address to my credit bureau and refuse to admit they did it, so they won't delete it from my credit bureau file. WHO ELSE COULD HAVE REPORTED IT??? They also say they can't delete the other fraudulent username from my account (which gets confusing when I need to call into them). What a joke this company is and the people it hires!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a4da5891fa60411895836f5dab5ae05a
encoding: FLOAT32
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{"chroma:document": "I opened a secured business card with a Rk deposit. After 16 months of use and paying off the balance every month I called to get my deposit back. Thema on the phone line said I can't get it back unless I close the account. So I was lied to by the gal at my bank who said I would get my deposit back or the man on their customer helpline lied. They also keep failing to update my address change. They also lock up my credit card EVERY time I use it. This has caused trouble for my business. We thought they would be better than this as we have had all our accounts with them personal for 6 years and business for two. Our business poured serious cash to them and it's offensive to be treated with lying. It's a nightmare to have my card locked up all the time and that they cannot seem to update the address records since July of 18. DO NOT USE THIS BANK unless you thrive on lies and incompetence."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5e1cd8c177c42afa03237e5b9a50d1c
encoding: FLOAT32
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{"chroma:document": "I got two cards from these guys for a balance transfer with a 5.99% fixed APR. I thought I was making my monthly payments much smaller than keeping a 19% APR Citi card that I had. I just received my two statements and both are higher than my minimum payment would have been if I kept the 19% card. There is no detail to how they came up with my payment on my statement. AND they have a \u201cif you pay this much a month, you will pay it off sooner than just paying your minimum payment\u201d and that dollar amount per month was 50% less than what they told me my minimum payment is on the statement. The online messaging is a joke. They don\u2019t respond to any messages you send."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e75d9f71fae84c5186eb4ecf5f7aa69c
encoding: FLOAT32
metadata:
{"chroma:document": "Secured Credit Card Practices: I\u2019ve had a $300 secured credit card for over 18 months. When I signed up for the card the app said it could become unsecured in about 11 months. I\u2019ve done everything on my part (never went over, paying on time, paying more than the minimum. Etc.) But yet the card still remains secured. I\u2019ve called several times to find out why but only to be told the same thing. They don\u2019t know why, keeping up what you're doing and when you meet a certain criteria then the computer will automatically switch the card over. \"We have no control over that and can\u2019t tell you anything further.\" Since I got the secured card l have obtained a $1000 unsecured card from them also. So evidently I\u2019m doing the right thing and my credit has increased. Something isn\u2019t right."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2ce8010c514445bbef3f31c1c328cba
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for an MLife Credit Card and was approved for $9,000++ credit limit. I would use the card for grocery, gas and Vegas and would pay on time. I've noticed that every time I paid an amount over $500, the funds would get held up and I would have to call their customer service dept and do a 3-way call to my bank to confirm that my bank had released the funds to them. I kinda found that weird but it went on for a while."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f0ad24a81774459ab3badec0b45f6e0
encoding: FLOAT32
metadata:
{"chroma:document": "Had card for about 4 years, never ever late on it. I paid half the balance off right before refinancing my home. Then, I paid the remaining balance off during the refinance. About a year later I received a letter stating if I didn't use my card they'd close it for inactivity. I used it and then received a notice stating I was over the limit and they were going to close account if I didn't resolve it immediately. I called only to find out it was already closed. I called as soon as I received the notice so that was zero opportunity given to resolve anything and I wouldn't be surprised if it was closed before they even issued the letter. I found out that they decreased my limit substantially with absolutely no notice. Then when I used it they allowed it to go over the limit by a few hundred dollars. What a joke of a company. I will be looking at reporting them and their unethical practices. I will NEVER feel with them again and wouldn't suggest them to my worst enemy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2322df5188c4625b50cd7bc501ae5b6
encoding: FLOAT32
metadata:
{"chroma:document": "Customer service suck. I was trying to cancel my insurance plan and was given the runaround. The manager was like I just click a button and it goes away - called in months prior and it was never done... horrible service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc1e86de2b9b4fcd93823ca382786b4e
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a Scheels Visa and was declined with good credit. They are a waste of time. After seeing complaints about the card and finding out it was through First National, I may have been saved a lot of headache. They have earned their abysmal rating on Consumer Affairs. Don't waste your time with this outrageous, left leaning Anti American company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58cc2e11c4a34837a9bc68b42c9d6c20
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{"chroma:document": "I did my research and FNBO Direct was the top rated bank in the country. I created an account and the first year or so everything went well. I thought that it would be wise to have all of our $ in one bank so I convinced my partner that we should move our money there. We opened an account for him only and a joint account for the house/bills/etc. It has been an absolute nightmare! We deposited our work checks to the account and had to wait a week for them to be available and when I called, I was told up to 10 business days. WHAT? Even after checks from the same payor were deposited."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79407b7ca59d41eab0a5ea6cb97c87a2
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with this bank for several years now and never missed a payment on any of my accounts and every 6 mo they almost double my limits. Great bank. I started out with two cards with $5300 limit and now its $15000.00 and the other card which is a Amex and it started out as $8000.00 and now it's $ 24000.00. You take care of your accounts and they will reward you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e519de41b51401fb9fc1ec54d98ef34
encoding: FLOAT32
metadata:
{"chroma:document": "Have used this card for years and never ever missed a payment. Was hospitalized and missed ONE payment - got a letter informing me of a credit line decrease from $12100 to $3950 which is only $5 short of what I owe on this card. Customer service was no help although I made a payment - more than what was due including the past due amount and a $26 late fee! Yes, American Express should drop this bank fast!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f6c603f34fa4e789620803088613b63
encoding: FLOAT32
metadata:
{"chroma:document": "I immediately contacted First National Bank of Omaha's Credit Card Department to inform them that a realtor used my credit card and charged unauthorized charges to my credit card. They told me to wait until I received my billing statement. After which I contacted them again and filed a dispute regarding being overcharged and gave them full details. They reversed the charges then later charged them back to my credit card account. I spent several hours on the phone with them to inform them that I did not authorize those charges."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b095aa5d772a4a25b3cb4d70698ccc90
encoding: FLOAT32
metadata:
{"chroma:document": "This company should be dropped by American Express. Their customer service is horrible to the point that if you trust them to do a job right they will surely screw it up and then defend themselves. If you want to pay off your card they will not allow it and quote you their disclaimer. BEWARE! In my case I paid them $5800 and change to pay off my card as I have family from out of the country coming to visit, I was moving to another state from a home I had lived in for 16 years and starting a new job. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e8dad1576b54fb19877c168e74274d2
encoding: FLOAT32
metadata:
{"chroma:document": "I don't know if it is because this company is unethical, incompetent or both, but here are the reasons I have closed my account and recommending that nobody do business with this company. About three months after I got the account my statements stopped coming in the mail. I did NOT sign up for electronic delivery because it's for my business and I like to have a paper record. So I was late with one payment ($39.00 late fee plus interest) because of that. After complaining they suggested I signed up for \"auto pay\". I followed their instructions precisely to do that. Next month, I get a call that the card is \"past due\". The auto pay never took effect. Another $39.00 late charge and interest. At that point I told them I was paying off the card and cancelling the account. I suspect that they do this so that they can collect interest and late fees since I rarely carry a balance on credit cards, the interest rates are far too high."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cbb0da5c7b9d42c4b5cf4236128cfe5b
encoding: FLOAT32
metadata:
{"chroma:document": "There is a membership renew $59 charge in my recent statement. Since I never used this card for a year, I called customer service to cancel CC and close account. The customer service told me that I have to pay next year membership, otherwise can't close account. What, this is the only credit card company I know that you can't cancel your CC without pay renew membership. The customer service told me that on previous month statement FRONT page has a written \"Importance Message\" to info me the renew fee. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c7b859aeef764b1cb861aa5c7d2ae0ab
encoding: FLOAT32
metadata:
{"chroma:document": "So I happen to check my CS today and saw a nearly 50 point drop. I start looking and see a huge decrease in my credit limit and not high balance. I then call on my First Bank card from Omaha Bank which is my Speedway MasterCard. They then tell me I had 5 late payments which I have zero. Then said I had too young of credit. Said my oldest card is not old enough. It's 12.5 years. Then said I only make the minimum. False. I make 2 payments per month. One the first week, one the 3rd or 4th right before it's due. They then said, \"Your last payment was Jan 24th.\" Again I do not have any lates. My bill is due the 25th each month. I told them to change it back to what it was as it now have screwed up my CS and they said no. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 098d022d3fd04e34bc3a9d165dd3ee2b
encoding: FLOAT32
metadata:
{"chroma:document": "I paid in full the balances on my 2 cards on July 1, 2018, long before the due date. Now, the company is trying to tell me that I owe finance charges for the date of that statement until I paid in full. NO, this is deceptive practice. The statement showed only a balance due and the date due, nothing about extra charges, finance, interest, or otherwise. After reading how other customers have been treated with very long histories with this company, I am only glad I found this out after a year. I no longer want to do business with them and will not pay these 2 charges as it is deceptive and was NEVER made clear. Shame on you First Bank! My other credit card companies treat me very well - you can keep your cards. I have shredded mine now and am done with you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e3c49087e8644587abc55654931988d7
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had my account with this bank for two years. I\u2019ve never been late never or over my limit and make larger than minimum payments. I recently bought a house in California and to get utilities connected, new accounts and vendors resulted in 10 inquiries on my credit. My credit score dropped temporary because of the inquiries and expenses. By the way, on my credit I have never been late on a payment 100% on time for over 20 years. The drop was only for about three weeks. The bank lowered my credit card limit substantially. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc258f1a1e82487c92431197450f82c5
encoding: FLOAT32
metadata:
{"chroma:document": "After banking and financing my mortgage for years with FNB, I applied for a HELOC to finance a landscaping project. Not only was the loan officer not helpful in helping me determine the best loan for me, I had to contact her to find out my status as I\u2019d not heard back in 10 days. She told me my loan was not approved despite my stellar credit and payment history of never missing a payment. I felt, having been a customer for over 18 years might have allowed some more counsel on what other options might be available. I got nothing. My family plans on switching our 4 checking accounts and mortgage to another bank that values its customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 722a37758ac94bca9ac974edbb0a8e3e
encoding: FLOAT32
metadata:
{"chroma:document": "I have 2 credit cards with the bank. I've had the older one for 2.5 years. One day I found out my credit limit was lowered from $14650 to $1000 without warning. I called and they told me it's computer generated. My credit is perfect. I have no bad stuff at all. My utilisation at the time was only $18. High credit score. I charged their card for over $13000 but after that I paid it off within the same statement. I sent a few faxes with no result so far. They said apply for a credit increase. Why would I do that when they may lower it next month? I wish they were reliable. I may just cancel my cards. Many options out there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88a86f66f77348629f2592bc73f9f88d
encoding: FLOAT32
metadata:
{"chroma:document": "After years of having a credit card with First National Bank of Omaha, never being late with a payment, and a credit score that has steadily increased, they dropped my credit limit severely, with no warning. Completely unethical practices. They literally left me with $100 available credit. Do NOT use this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d945676489e47139e98d3e7df552ef8
encoding: FLOAT32
metadata:
{"chroma:document": "This bank and their credit card department used to be a partner of the NRA (National Rifle Association). Recently they apparently broke their partnership and are not renewing it. So that is the starting point to this conversation. You will see where I am going with this shortly. So, a year ago when I renewed my NRA membership, this card was offered. I applied and they gave me the card even with fair credit at best. I simply did not need the card as I am working to repair my credit and have been paying off balances and doing the right thing to get that moved up. Well, in the past year, I simply forgot about the card, and never actually used it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d37b679ed404a5282f9f557360e9ead
encoding: FLOAT32
metadata:
{"chroma:document": "I always paid my balance with this card, opened in 2016, never used more than 30% of my credit limit, no late payments on ANY of my accounts in over 6 years. My credit score dropped to 638 due to recent credit activity when I received a home loan (temporary drop I was made aware of in advance) and this FNB of Omaha closed my account. Experian shows closed 04/17/18 and Equifax shows closed 04/01/18, BEFORE I closed on the purchase of my new home. I have yet to receive the letter of notification of account closure they claim to have sent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd81d9c654c3447dad14aa4fab042605
encoding: FLOAT32
metadata:
{"chroma:document": "I closed my account today 4/15/2018. The method of charging interest is a complete mysterious to me. For example. Supposedly, I was to get a 5.99 interest rate. However, in an attempt to pay off the account - My statement and a phone call to the customer service number indicated I had a balance of $271.00. I sent the entire amount. I called to confirm they received the payment. To my surprise, there was a balance of $27.71. I sent the $28.00. I called a third time to see if the $28.00 was received. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e31022aaa6d6425d8bf43131d1b11e0d
encoding: FLOAT32
metadata:
{"chroma:document": "I had a dispute with a vendor over being charged for services not performed. I asked the credit card to put a hold on the payment. If I felt the card company had actually tried to help resolve my dispute I would not be writing this, but it was as if they predetermined to accept the vendor's claims and ignore mine. They put the charge through. Luckily I was able to resolve my situation through the Attorney General Consumer Frauds office."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8550db8e4ef3412383c90c73536afdd6
encoding: FLOAT32
metadata:
{"chroma:document": "First National Bank of Omaha Gouges Customers - I was told in December of 2017 that purchases made at any store would hold a 0% interest rate until June of 2018. My wife and I used the card for most of our Christmas purchases based on this information to the tune of around $1,100. I just received my most up to date bill and found that I am paying 20+% interest on the very purchases I was told would be 0%. I called the customer service and was told there was nothing they could do about the issue other than lower my rate to 17.99%. I asked to hear the recorded conversation between myself and their representative and they said they could not allow that and that I would have to get a subpoena for that to happen. I recommend not using this institution for purchases, as I certainly won't in the future."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b61b5250f57b4d80ae6a592a6256b2af
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible card, fees upon fees upon fees even when it's their fault. I made a payment which came back Account not found. I called them and corrected the account number, then processed the payment again. Came back account not found... twice. Called them again. Corrected the account number for billing purposes and had the rude lady read the numbers back to me and told her to take my payment over the phone... at this point they already closed the account because they could not bill me because it kept saying account not found... They got me for $90 in fees. DO NOT USE THIS BANK FOR YOUR CREDIT CARD NEEDS."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ff5fb8f10b849ce827e185db449daae
encoding: FLOAT32
metadata:
{"chroma:document": "I received my cc balance of $2900.00 which included $56.00 of interest because I did not pay off the balance in full from the previous month. So I paid off the whole balance and guess what? The following month I still had a $51.00 interest payment even though I had paid off the entire balance the month before. WTF? That's just outrageous. My other credit card companies do not do this. I am definitely going to cancel this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4007202809174162879fb33613fb4073
encoding: FLOAT32
metadata:
{"chroma:document": "I paid this credit card bank in full and looked online and saw a zero balance, I received a email 2 days later stating I owe $132.69, I called and told them I paid this balance in full and it showed a zero balance. They told me I had what is called \"tail end finance charge\", they would not remove it, I ended up paying the 132.69. After getting email, l did look at the account online, it showed the 132.69, but payment was $130.00, I guess so they could charge me interest the next month on $2.69, so sad, just a RIP OFF Credit Company, lesson learned. Never Used Them again..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f45ff44a666a41cc8b2c046b6c60ed90
encoding: FLOAT32
metadata:
{"chroma:document": "I had nothing but trouble from the beginning. I set up automatic withdrawal THREE times before it went through. When it finally did, payment wasn't withdrawn the first month, so I manually paid online. There was notification that it might take 2 months, as with everything I've ever set up automatic payments for--but it never has taken 2 month on anything else. Ever. This month, I decided to check my account on the day payment was due, and a) No payment had been made, b) Showed \"no payment is pending,\" c) Showed an amount. It was in the evening of the payment due date, so I paid online, as Customer Service was not available, and I did not want late fees and late payment showing up on my credit score."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6057d7067d96450e919326eae8d1c94d
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is totally overcharging the consumers!!! I had a MasterCard with them. Got my bill, paid it in full. Once the payment had posted and my account showed a zero balance I called and closed my account. Now I get another bill for $46. When I called they refused to credit my account. Someone needs to take a class action against them and their sister bank First National Bank of Omaha. I asked for the supervisor. They switched me over and conveniently they don't give out names. These banks are making a killing off of consumers!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 230fd586cd564542b1ec2227d59ba42c
encoding: FLOAT32
metadata:
{"chroma:document": "I had the NRA Visa and paid account off in full, a few months later I get a bill for interest. I called and the lady was rude and cut me off while I was trying to speak, she basically said since I didn't pay off my bill every time I had unpaid interest which makes no sense since I \"Paid Account in full\". I guess there was interest hiding in a corner somewhere or something. This wasn't the first problem I had with them, stay away. They are crooks and will keep charging you with a $0.00 balance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ccc0a92e85b54c739d2f84141a5b8048
encoding: FLOAT32
metadata:
{"chroma:document": "I had a M life Rewards Mastercard with them. First thing, I had a difficult time to log into their website because of the password policies they have. Second, once I log in I could not pay or do anything with my card because they suspect my card. I called customer service, entered complete cc no on the IVR and last 4 of my social too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 70dcc56115864e03a27d56c181a56eac
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible... no mercy. I was in an accident and all my credit cards went into charge off. Capital One reinstated my cards. Barclays card still closed the account after I paid but removed all of the bad credit histories. This card, I got a condescending attitude... no mercy regarding what happened to me even after I said I would pay in full so why pay if I am going to have to deal with it anyway. Stay AWAY!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de816e3edad04b9ab75775c2f87b2d84
encoding: FLOAT32
metadata:
{"chroma:document": "FNBO has the worst online banking services... period! Its online platform is the polar opposite of user-friendly. It is impossible to find basic online banking services, such as transferring funds from FNBO to another bank. I can't disentangle myself from this poor excuse of bank fast enough!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f8f5be18f5d04a86aa785cee16727d2a
encoding: FLOAT32
metadata:
{"chroma:document": "Money was taken out of my savings account by another person whose account numbers had two numbers off from mine. So at some point instead of the teller entering 33 they entered 88. To make matters worse the person's name wasn't even right and they still gave her the money. I called on Saturday and spoke with a customer service representative who assured me he would follow up on this and call me on Monday. Never heard from anyone thus I contacted the bank. They said there were no records or notes on the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c14616f301464e4192f5503c8705474d
encoding: FLOAT32
metadata:
{"chroma:document": "Worst customer service experience ever. I have requested for nearly 2 years for paper statements because my email is not checked on a regular basis. I'm told it has been taken care of, but it never is. I went to go get a mortgage and the only blemish on my report is from this bank for late payments for a bill I haven't received. I ask if they can correct this and every time I get the late fee and I can't get it corrected from my credit report. It now has been reported twice the past 8 months as late and has probably affected the chances on me getting a mortgage on a home I've been constructing for the past 2 years. I'm now trying to figure out what to do with a house that I have a construction loan that I can't pay off because this company has singlehandedly ruined my credit!!! What can I possibly do???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 49373d685458447ab5966856ac20aefc
encoding: FLOAT32
metadata:
{"chroma:document": "One year in May of 2015, I've gotten approved for $9000! Right! It was great! Almost one year later I paid $500 every week for an entire month just for them to completely close my entire card out saying I had too many inquiries on my credit report! Are they kidding me? Nope, it's true! Not even just lowering it, completely closed me down, I was never late, always paid hundreds of dollars each month even when less than a hundred was due. I was furious!!!! Needless to say they didn't care and there was really no one to talk to. They wouldn't even give me the CEO's name and address and email, well they had no one for me to complain to to fight this. I still literally have 100% payment history on my credit report, and that's simply not good enough for them. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bda8db9d4aae462292893e239b830566
encoding: FLOAT32
metadata:
{"chroma:document": "I accidentally underpaid $3.- of the total due. On the next month's statement I was billed $55.- interest!!! Talked to an 'account specialist' and he reversed the charge, but didn't want to admit to the obvious over-charge."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b033a29f5e844fa9a3f035a4f7a5bddd
encoding: FLOAT32
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{"chroma:document": "I don't recommend this credit card. I have had the credit card for a long time with the same credit line. The statements are always late and you are charged a late fee. It have occurred more than once. I have received late statements after the account is due. They always blame the postal service. They fail to remove the late fee! Don't apply for this card, you will be paying additional funds before your account is paid in full."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bcf59aaa391949e39552967b43a61401
encoding: FLOAT32
metadata:
{"chroma:document": "Had a Visa card for about a billion years from FNB Omaha that I have not used for 3 years. Decided to take a vacation and put all items on it during the vacation so I could have them in one place and pay it off in 2-3 months. 2 Days into the vacation I had issues in checking into hotels. I called the Customer service to be informed by credit has been reduced from $7300 to $2000 overnight. Only explanation is a letter was sent to explain to my house (great!). Not what I want to hear on vacation. Horrible decision."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1f4fa7f4ebc54e0583777fadf821c68e
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a 1st Nat'l Bank of Omaha AMEX card for the past two years. Not used a lot, but this month I pulled it out to use for grocery shopping. Have generally carried a zero balance, and had a zero balance before this month. The other day I was in the grocery store, whipped out my card, and it was declined. Surprised because I knew [thought] I had lots of room on the card. Called the automated phone system from the store to find out what was going on. Was told that I only had something like $32 of available credit. So, screwed... I was buying $57 worth of groceries. Went home. Got a different credit card. Went back and bought my groceries."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 12024bde48824fea852104b225ac43b0
encoding: FLOAT32
metadata:
{"chroma:document": "I had a bad experience with PC Financial MC. When I tried to ask them to dispute the transaction, they were not helpful. They didn't care to resolve the problem that the customer has and the customer service agent talked rudely. I can't believe that they provide such a service like that when I have a problem disputing a transaction. I need the proof for the transaction that I made but the merchant can't give me that. The merchant said that it is not in their system, however, my credit card has been charged. So, I asked PC Financial to dispute it, so the merchant can give the proof of my purchase. Sadly, PC Financial said that it is not something they can dispute. They want me to deal with the merchant. I can say now, bye PC Financial. You are not recommended at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6cfeccda2e234bddaea42aed33392a5d
encoding: FLOAT32
metadata:
{"chroma:document": "My card was unfortunately affected by fraudulent activity. I contacted customer service and a new card was scheduled to be sent. I did not receive the card for two months. I contacted customer service again and again was told that the card would be sent in the mail. In the end, a charge of $6.83 was on my account while I was awaiting the new card. I was planning on waiting till I received the new card. However, my account was instead suspended over the balance. Over $6.83. Without any notification. It is also very inconvenient to get ahold of any customer service agent. Be prepared to stay on hold for a good amount of time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed4be5dd77294c24bfd374c7d771d0e9
encoding: FLOAT32
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{"chroma:document": "I signed up for a regular debit account. It was \u201capproved\u201d right in store and I started to receive emails to deposit into my account prior to even receiving my card. Luckily I didn\u2019t. Got my card in the mail and tried to set everything up but I was unable to sign into my account. I spoke with 4 customer service representatives and was hung up on twice after waiting long periods. I got different information from all of them. One said they don\u2019t know why my account was closed but a supervisor could for sure help me-hung up on. Another said I can\u2019t open another account for 6 months now. And the last one told me that it was to do with my email address. The same email I used to open the account with a week prior and was receiving all the emails to deposit money into. Still have yet to speak to a supervisor, I don\u2019t think PC Financial has any. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f36aee30a549406b87ccc58c36eb44b8
encoding: FLOAT32
metadata:
{"chroma:document": "Received recently a PC Mastercard Elite and had major trouble activating it even though it was a replacement for an existing account. Customer support is terrible and the card was not working anywhere. This is not what I expected, so I made the effort (25 min on hold X 2 times) to cancel the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 57218a0d43f04d648f5fa4b380d39824
encoding: FLOAT32
metadata:
{"chroma:document": "I called before I paid my full amount of my credit card balance, and they mentioned that I have to pay the number I did, and after that they suspended my account and then they charged me a daily interest rate, without mentioned before I paid my whole amount. Such a legal thiefs!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6830f7678b0d432093d8d380e174207f
encoding: FLOAT32
metadata:
{"chroma:document": "I received card on June 29 as well as an email advising me to fund the account. I tried to activate the card I received and the account number was never there. I call them to mannerly activate the account only to be told the account was closed on June 30. When trying to speak to someone, I can't get a straight answer as why the account is closed without warning or explanation. I have set up the payroll banking info based on the knowledge that the account is up running. The whole process is total waste of my time and energy. This has led me to believe the product is absolute scam. I have \"excellent\" credit score. Should this incident affect my credit score, I will seek legal consultation. Meantime, I DO NOT recommend anyone to apply this account regardless how enticing the product may seem to be. For any financial institution, such behavior is totally unacceptable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63cfa14e33774b32ad7c94804d7f1077
encoding: FLOAT32
metadata:
{"chroma:document": "I have made multiple calls to PC Financials/Optimum points but no one answers to simple question why I am not getting points of PC Financials. Not only that, they are very rude and highly unprofessional in call. If you ask questions, they hung up or start yelling on you. This is very shameful behaviour of PC Financials, basically they know that the points system is in high demand so they don't care about its customer service. They on purpose have untrained people so customer don't call them again! This opinion is not after one call, but after multiple calls and multiple issues at various times."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79d9b053b76d4f88999d2fd6951dbe69
encoding: FLOAT32
metadata:
{"chroma:document": "No idea how this has any stars - an absolute joke of a Company. Applied for the PC Mastercard and received approval. No card for several weeks and so called them - they basically stated that I had actually been unapproved due to \"process error\". Asked why they hadn't contacted me to let me know was met with nothing more than a I don't know but basically ended up being human error. I spoke to this individual called Jesse who stated this happened all the time at the Company. Told me to reapply and should be able to get it approved. It wasn't. When asked why, they couldn't tell me but it didn't align with their lending policies, whatever that means. Honestly a joke of a Company - Loblaws must be bleeding money with these people running it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d8cc660c3844c83aaac2bef62bd6fa8
encoding: FLOAT32
metadata:
{"chroma:document": "I signed up with PC Financial to move our banking over to their 'Money' account. I already had a PC Mastercard. The experience was absolutely awful!! The website kept glitching, I tried everything and was unable to use my Money account. I couldn't transfer, fund it or anything. I tried different computers, clearing cookies, cache etc."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aef164202f554a10a292d9c4b729d2a2
encoding: FLOAT32
metadata:
{"chroma:document": "Worst banking experience of all time. Worst customer service. Longest wait times. Customer services reps cant do anything to help you. If you like waiting on hold for an hour just to be transferred to a voice-mail that never calls you back this bank is for you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 931781adb35d48f2b7b8b18e13536057
encoding: FLOAT32
metadata:
{"chroma:document": "I have signed up for PC Money Account by thinking I will save some money on everyday groceries and it went well for 3-4 months then suddenly no points were getting added to my PC Optimum account out of my total expenses!! The sales person told me I will receive 10 points for spending 1 cent by using PC Money account in participation stores and I received it under \"PC Money Account Spend Promo\" for initial 3-4 months and then suddenly it disappeared. Now I am owing to PC Optimum a sum of 45000 points and I have already 2-3 cases open with PC Optimum department and 1 case under PC Money account department but so far no outcome. I have been calling 2 times every week to PC Optimum department and every single agent saying specialist/escalation team working on it!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d946a18ba6194491818a08c36c376db5
encoding: FLOAT32
metadata:
{"chroma:document": "What seems like a value add with points to save on purchases becomes a nightmare if you EVER have to dispute a transaction or deal with fraud. The online method with a robot in chat is a neverending circle of nonsense, and finally a phone call. That was answered relatively soon, but even after contacting the merchant directly to verify the preauthorized order is Canceled, received email confirmation, etc... this is still not reversed, and PC states it can take up to 15 days, which is when we can proceed with a dispute if the charges are not reversed. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e77c777db01f4c3fb85b6d040690a100
encoding: FLOAT32
metadata:
{"chroma:document": "Do not get this card or even deal with President's Choice Financial at all. Customer Service is absolutely horrible and money just happens to go missing out of your money account and due to terrible customer service, you don\u2019t get it back. They drag it out saying it\u2019s because transactions are \u201cpending\u201d - but regardless the math does not add up. So many times I\u2019ve had money just leave the account with no trace. More money gets deposited to the card than gets spent - yet it\u2019s all gone. They are straight up thieves."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a5eb37cc66124cc3a4d338e011a8fe0f
encoding: FLOAT32
metadata:
{"chroma:document": "I had a PC Mastercard and PC Money Card - The money card was closed when I got the Mastercard - There was a credit in the account - They could not refund or etransfer out - Took 7 or 8 long phone calls, email and escalation - In the end I made a payment to my utility company once they re opened the account. Ok for Christmas I made a purchase around $3000, they flagged the account and locked my card out, no phone call, no email, no info at all - Called in after a few declined transactions, long hold time multiple phone calls - They canceled the card and put a hit on my credit score - All I got was sorry lost all my points... They said to re apply in 3 months, but I need to send in copies of my personal ID and personal banking records :("}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8e06fd99bff4c82b150743271f74a39
encoding: FLOAT32
metadata:
{"chroma:document": "After calling the Fraud department to report unauthorized issuance of balance protection plan on my credit card. Their process is to phone me back within 1 to 2 business days. When I am a victim of fraud who do they expect me to reply to a phone call and answer questions that could put me under further risk as anyone could impersonate their call. The process should be that they allow me to call them and then I trust which party I am calling, they can do the verification they need and then address my situation. When I asked to escalate to a manager, the reply I got that the manager will phone me back. So same story goes on."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d1aa0c354ee4bfd9061a81c7964e922
encoding: FLOAT32
metadata:
{"chroma:document": "I had an account for 2 years prior to this ridiculous incident and had a great report with them. My account was always in good standing! Last January I had lent a fellow mother $40 for formula. She paid me back the $40's via etransfer... Months later I go to use my card and boom account is locked so I call, sit on hold for 2.5 hrs, spoke to 6 different people before someone was able to have authority to transfer me to a supervisor. I'm told there is nothing I can do... like what? Then I find out the fellow mother was a victim of fraudulent activities regarding her bmo bank so because I had received a $ 40 email it was now frozen. I was evicted 2 times because my cheques were directly deposited and my income support worker would not put another bank on file because I could not get a closing account balance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 465673279e1745fa8652dc28a88f7e0b
encoding: FLOAT32
metadata:
{"chroma:document": "Someone hacked into my optimum account and was able to redeem points without a card. They did it with a phone. I wasn't made aware that you can redeem the points from a phone. And I'm sure many of their customers don't know that either. Absolutely horrible security. Can happen to anybody. Customer support does not care at all. They say someone will call, but they never do. All customer support can do is read a script. They're not actors. Also when points are redeemed, you are not sent any notification. Your transaction history can all be on one side of country and someone can redeem your points from the other side and customer support will think it makes sense."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 28e5d89b63ed4c8abb6de96fc141e20a
encoding: FLOAT32
metadata:
{"chroma:document": "Pull out your PC account!! Pull out your PC account!!! Not worth It!!! PC financial has the worst customer service!!! Promising clients and keep them hanging for almost a month. Always telling someone will call back and up to now no one calls!!! Nonsense supervisor in online or phone calls. I do suggest get rid of your supervisor if they can't even help clients!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bbf104eac4a1437bbe4e06276e942efd
encoding: FLOAT32
metadata:
{"chroma:document": "One week after receiving my card, my account was locked due to a suspected fraudulent transaction. I was not allowed to confirm my transactions, review my account, or do anything to confirm the transactions -- the process and reasons were completely opaque. I was not contacted by the company, but only discovered this after waiting for a substantial time on hold with customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85b3ed36c909400dbfc9f7e087947590
encoding: FLOAT32
metadata:
{"chroma:document": "This bank isn't quick to help you with purchases made on account when you expect fraud. They want you to deal with fraud issue on your own. A purchase was made to my account that I did not make. When I went to dispute the charge I was transferred to the fraud and place on hold for over an hour waiting to talk to someone. This shouldn't be."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9eaa3541cd0402488b8a25c26ecc7f5
encoding: FLOAT32
metadata:
{"chroma:document": "I woke up this morning and both me and my spouse our account are both overdraft of 119 and his 412. We have been ripped off. I went through all my transactions and they have been taking money out of my account. I\u2019m getting complete runaround. Do not deal with PC. I intended on getting a lawyer. I\u2019m not paying that overdraft."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ba58014da2b4dd9b13adaf7eaa38da3
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a PC Financial bank account for the points originally. The worst experience of my life. Much like the other reviews I had a total of $500 in four months disappear from my account. Multiple calls to customer service, long wait times and still no resolution supervisors who don't return calls. No wonder they don't have a physical branch that you can access. The stress and frustration this company makes you feel is enough to wanna pull an Amber Heard on their desk."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38f78c828f554a9ba326501a803a1d90
encoding: FLOAT32
metadata:
{"chroma:document": "How can you freeze my account for withdrawing money and after I confirm it was me? Then you say, \"Well it takes 48 hours to unlock..\" Here we are 6 days later and still no access to my finances or online banking... Spent hours on the phone waiting to speak to someone only for them to answer the call and then hangup several of times AND supervisors saying they will call me back and no one has. You guys are thieves and I hope you enjoy the letter you will receive from my lawyers, I will be paid out for every hour I go without being able to purchase food to eat or pay my automatic-payees, and the mental stress you have given me and my family. Enjoy!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 396fbf7936a34f60bbc54f64c264d9fc
encoding: FLOAT32
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{"chroma:document": "TERRIFYING EXPERIENCE! On the phone, the representative actually swore at me. First, I had been waiting a long time to speak with someone, and when I did, a representative answered the phone. The agent misled me on the app because she didn't understand how it operated or where the prompts were located. I became irritated and requested to talk with a supervisor. When the supervisor answered the phone, he didn't care about my wait time or the fact that his representative didn't know how to navigate the app; instead, he yelled at me and swore. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b431a9671ad24c18934700b54aa5d0ce
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a client of PC Financial for at least 20 years. They lost CIBC and switched me over to Simplii but I kept my Mastercard. This past year I attempted a purchase on my Mastercard that was quite large. They declined it until I called to validate the purchase. Done, easy peasy. They did it again. This is twice in less than a year after over 20 years of loyalty. I texted valid, did not unlock it. I called but the rep could not unlock it. I called back the next day and no reps could unlock my account. They froze my credit card and my banking account! I couldn\u2019t even log into my account! I couldn\u2019t access any money for gas or basic necessities! They told me 3-5 business days! Add in a weekend and that\u2019s a week with no access to any money? Because a supervisor wasn\u2019t available? That\u2019s crazy! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97ee92afe2d340f4852956ae7d45eac0
encoding: FLOAT32
metadata:
{"chroma:document": "My father passed away and had a World Elite Master Card with them. I have had to call them three times regarding the balance, each time I have waited 2 hours on hold. One rep told me that the balance was insured and no one (not even the estate) was responsible for paying the balance. I then received a balance owing letter in the mail and found out that what this rep told me was apparently incorrect.. I've had enough sadness and stress dealing with my father's death and being told I didn't have to worry about the balance and then being told I was, is incredibly unprofessional and stressful. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d2ae1dd7fed47cdaa5837272710fc7c
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metadata:
{"chroma:document": "The online services like statement access were disrupted for 2 days. Called the customer service 4 times in two days due to urgency. Spend 4 hours on queue in total. Customer service representatives were helpless. I was told that services would resume the first day and then someone would call me on the second day but nothing happened. They just put me back in the to talk a specialist. Their services are so slow and the third party company that handles customer service couldn't be of any help. We can't reach the PC Financial directly either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 84901cee5ba043279650f93258d7cf55
encoding: FLOAT32
metadata:
{"chroma:document": "I signed up for a new PC Financial Mastercard and when I tried to link my Mastercard with a new PC Optimum card there was already a card linked to it automatically which did not belong to me or anyone I know. When I called the customer care, they had no clear response to my issue and would hung up after putting the call on hold. I have already called them more than 7 times and it's been approximately 3 weeks and they haven't been able to solve this issue. I HATE the PC Optimum Customer Service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1693822075c7411e939f2ff81298c8b8
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been with them for 5 yrs and it\u2019s always 30min to an hour+ waiting time and issues don\u2019t get resolved the first call so you have to call and wait AGAIN! I\u2019m trying to cancel atm and I\u2019m still waiting 1hr + and counting! I hate this company. So shady."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1062017aea764fe7a713b5c088e8e297
encoding: FLOAT32
metadata:
{"chroma:document": "Sent 2 emails over the course of a month to address a balance inquiry with no reply. Finally attempted to call customer service (after I finally located a number to call) and spent over an hour on hold. Finally gave up and hung up. Not worth it. There are better programs out there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de11597053d14b6099a1f6cff458e02a
encoding: FLOAT32
metadata:
{"chroma:document": "It takes more than an hour to talk with someone. The security department, they don't care about you are as customer, they asked me 3 times to send them an approve ID and I sent it for 3 times. Now, already 2 weeks, I received my card but it's not activated and I have to wait for them for release. Note: I will cancel this credit card and never re."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8da8c95eaeb743efa3d23637529650bd
encoding: FLOAT32
metadata:
{"chroma:document": "MasterCard charged me a service account for transferring my auto payment to another bank account. 12 emails and 5 phone calls - Put on hold for over an hour just to be to disconnected. Worst company ever. My VISA was brilliant with my change and answered my call within minutes. My suggestion is to only use your VISA card. Katie 1, Wayne 2, Daphione 5, Michelle 1, Darryle 1 _ number of time these people sent me the same email, however they never called me to solve the problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ed3592978b143a2ba09bdf07763d38f
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer for many years and never had any issues. This past year, it has almost been impossible to get help and resolve very simple issues. Every time I call, I am waiting for minimum 1 hour and 20 mins, the longest I waited was 2 hours and 33 minutes. This is not acceptable, especially for such simple things that I cannot get assistance with on the app or online. If the wait is going to be so long, they should put a system in place that allows customers to wait in queue and get a call when a customer service representative is ready."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc9a3f5cd1754c278bf7c741fbf590e1
encoding: FLOAT32
metadata:
{"chroma:document": "After being a loyal customer for 20yrs I have to say I am done with PC Financial - with all of your services! I have lost complete confidence in trusting you with my financials and insurance needs, as it's absolutely impossible to get through to anyone on your end. I've literally been trying for weeks and at every attempt I am left on hold for hours, literally. I've emailed your ombudsperson and head of customer service - it's been a month and still no reply. Pandemic or not, this is absolutely unacceptable for a financial service company. Your competitors don't seem to have this issue. I will be moving all of my business to a provider who actually cares about their customers and appreciates their business. Clearly PC Financial does not."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b33fa2b4d34a44bbad9c0f158ca92b1d
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{"chroma:document": "If I could give zero stars I would. Customer service is terrible. I\u2019ve gone 7 days without access to my own account and nobody helps. I wait hours on hold just to be told a supervisor will have to call me back but nobody ever calls. Did I mention I\u2019ve only had this account one month. Most of the representatives want to help but the don\u2019t know how and all they can do is offer to have somebody call me back. Their online messaging centre is no better after 6 days and many messages I finally get a reply telling me somebody will call me but once again the call never comes\u2026 I finally lodged a complaint with the BBB it\u2019s probably the only way I\u2019ll get my own money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c5fbe4b7ef64bc1b47ec5d370d520b8
encoding: FLOAT32
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{"chroma:document": "This is the worst customer service I have experienced. - More than one hour phone waiting line and it can be hung up automatically without any reasons. -Promised there would be a follow-up but they never did it. - I have called them seven times but I still haven't had my money refunded. Never get a PC MasterCard. It is a headache!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 420ebf03178f48afb2215a213a9708e4
encoding: FLOAT32
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{"chroma:document": "Telephone wait times are always unreasonable. I had my card stolen and though I was able to report it stolen and have it canceled relatively quickly online I waited over 2 hours by phone to report fraudulent charges. As I couldn't always wait over 2 hours each time this had to happen three times. As I'd reported illegal charges my online account was frozen and I had to call in to have it unlocked. Again, 2 hour phone waits. I could not activate the new card as I was locked out of my online account and after waiting 2 hours 20 minutes the call service operator had to refer me to the fraud security department. I said I would not wait another 2 hours on hold and I was assured this would not happen. After a further 30 minutes on hold and no answer I hung up, emailed requesting a paper copy of my account be mailed and to close my account. I cut up the never activated card and see no use for this product."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c5da664a20b47778314b450d7bb669d
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{"chroma:document": "We have been customers for over 20 years and paid bills on time. Suddenly and arbitrarily our account was closed because of this company's \"Policies\" with no further explanation. After numerous phone calls, hours waiting, NO EXPLANATION IS GIVEN OR FORTHCOMING. If this is the way they treat their good customers, how do they treat the ones who are struggling financially? DO NOT BUY THEIR PRODUCTS."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0824c5033e5148f8b4e29524ca607864
encoding: FLOAT32
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{"chroma:document": "They do not answer the phone. You cannot get ahold of customer service. I have been on hold over 2 hours a day every day during business hours. They downgraded me from black elite card I had for 10 years because I didn't spend $20,000 through it or something in a year. I'm even calling lost or stolen cards .. no pickup. They don't care. They don't have anyone answering phones. Beware."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1cfd73745d824b08a7f3047b9b1078ab
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{"chroma:document": "Anna reviewed these thieves of time, patience, and our money. PLEASE OH PLEASE, take your voices to the people at Ottawactvnews. What President's Choice Financial is doing, using our money to further their position in the market place, must be ILLEGAL. GALEN WESTON is getting richer off the backs of little people like us. Shame on them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9844635940f44df9efda65224d253c6
encoding: FLOAT32
metadata:
{"chroma:document": "WORST customer service. Drove an hour to a Pavilion. I am not able to create an online account. Like many others before me too many attempts to get a CSR on the phone. When I arrived at the store location....I was put on the phone. You cannot make any cash deposits to your money accounts. You cannot close the money account or the PC Mastercard account in person. I'm not even sure how I was approved for a 2,000 limit with a credit score lower than 600. I can't log in my account. I cannot get statements online, can't get service from an English speaking person. I didn't try to a French rep that might get you to a Canadian Rep."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9923af60678d4edaa196c6ddf82c8e34
encoding: FLOAT32
metadata:
{"chroma:document": "I had to call PC financial to review my transactions. First of all, I had to wait for more than 1 hour and after I got connected, the guy told me that he will transfer me to another department just to review my transactions. It took am another 1 hour to talk to a customer services representative. What a worst customer service I ever had. They are indeed the worst people for their services."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 822a2a0345a74356ad32344929e31537
encoding: FLOAT32
metadata:
{"chroma:document": "Though applied for the Card, subsequently withdrew the application as I felt this card is not useful comparing to what I have. However, PC Financial send me a rejection letter saying that I did not qualify for the card. Emailed them that I did not ask for a Card as canceled my request. PC Financial has the worst customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c75c43635e21450a98ac7b35cb21a7b8
encoding: FLOAT32
metadata:
{"chroma:document": "Like many before me, I am here to report how awful my experience with President's Choice credit card has been. I truly regret getting myself into this. However, I took it a step further and wrote to ottawanews@ctv.ca, and I strongly urge you all to join me. The more of us write, the more serious this becomes. I only used my card once, then they locked me out. I tried to call, and even if I waited, once I was through to a representative, the call dropped and nobody called me back. I then went to step two, emailing them and explaining that I have no more interest or need, that I want to shut down. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 490eec6c799b489a8b8391cf64dd4d2f
encoding: FLOAT32
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{"chroma:document": "I am presently on hold, I have been on hold 4 times this week for over an hour each and no one has ever even picked up. Their online support takes two days to respond and asks you to please call in where you will be ignored. It is beyond frustrating trying to deal with this company. I would highly recommend avoiding them just in case you ever have to discuss anything with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60e539ea2ccd4082a4f04b0e794e076a
encoding: FLOAT32
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{"chroma:document": "Nothing but problems with PC Financial. Cut my credit card off saying my credit score was too low. It was 705. Higher than when I got the card. They were mad I wasn't using it often. That's all I can figure. I applied for Money Account and another Mastercard and they gave them to me. I've tried to call multiple times just to change email because they kept locking me out. Then more and more calls for more and more complaints and the wait times were never under an hour and the last time I just hung up after 2hrs. I'd like to close account but they won't answer. Avoid at all costs. Mastercard gives Optimum points which is nice but do not get sucked into Money Account and do not call them. Worst customer service ever!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a9f0d1b36e84caf989f5b2c916ce7a5
encoding: FLOAT32
metadata:
{"chroma:document": "I'd like to comment on the level of customer service that PC Financial provides to its customers. My main gripe is the lengthy wait time before speaking with a customer service representative. It's ridiculous that I had to wait on hold for over an hour to speak with a service representative.\u00a0A company with \"unlimited\" funds should not treat its customers in this manner. The wait times are far too long. Then, when you finally get through, the quality of the phone call is abysmal. Your call centre (which is not located in North America) has poor reception and your call agents are difficult to understand and the dispute agents are rude. It's extremely inconvenient that you can't get your issue resolved immediately and that I had to resort to posting a negative review."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56baea4774704333ba80baddfad32033
encoding: FLOAT32
metadata:
{"chroma:document": "Incredibly uncaring, robotic, and fraudulent behavior. Ignorant, and non-responsive. I don't know who is responsible to supervise and oversee these financial companies and why any regulatory body is not monitoring their uni-lateral, un-competent, and chaotic practice!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ba0cb75eb4a4bc09d1471c6a811b787
encoding: FLOAT32
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{"chroma:document": "My sister's account was closed without her being notified that it was going to be closed. That was on September 20th. It's October 15th and she still hasn't received her money from them. She is facing an eviction from her home because of this. She hasn't been able to pay bills or even purchase groceries!! Loblaws should be held accountable for the late payment fees because of their negligence. They are a horrible company!! PC Financial is a horrible bank!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c25a3ec5fb5845bfa25a77cb1a7474f0
encoding: FLOAT32
metadata:
{"chroma:document": "Went through the million loopholes to get my card set up, and then accidentally missed the activation sticker on the card when it finally arrived. I\u2019ve tried calling three times now (with one person on hold in front of me each time) and waited over an hour and a half without ever reaching a representative. There is NO OPTION to resolve this online, so the card is useless. Edit: finally got a representative, he put me through to an automated verification, the number input didn\u2019t work, and it sent me all the way to the back of the waitlist again. Avoid this madness if you can!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 840d8076f083409abe48101c461cde47
encoding: FLOAT32
metadata:
{"chroma:document": "Amount due for Sept. which I paid of 3 times the amount due. Balance pending was not removed. Still shows amount due for Sept. Tried e-mail, tried phone and texting unavailable. NO RESPONSE. Absolutely horrible customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b5b838615be47ff96c6a952bda29617
encoding: FLOAT32
metadata:
{"chroma:document": "Very bad idea to put your money, you can't take your money back when you need your money. Limited by 10000$ every month, no way to take your money fast, I call PC Financial. No way to take your money back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 389460665ca5444d8934a6f3e31a39a6
encoding: FLOAT32
metadata:
{"chroma:document": "Pay total card balance thru TD Easyweb, any questions go thru chatbot. Use customer service number as a last resort. I do not have a PC money account, and my td account is a line of credit. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b31349b0013e4811a44b714ec3d360f2
encoding: FLOAT32
metadata:
{"chroma:document": "I called their customer support and waited 1 hr without being able to talk to a representative!! Very cheap company. They are not honest with billing. They tried to charge people interest by sending the bill later then the due date."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60b90f8773e740c6870acc284dc2b26f
encoding: FLOAT32
metadata:
{"chroma:document": "Incredibly incompetent, uncaring, robotic and fraudulent company. DO NOT give this \"financial institution\" a penny of your money. PC Financial accepted a direct deposit into a closed account and refused to allow me access to these funds."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6cd323b034a34c1985bbb5c964feabc9
encoding: FLOAT32
metadata:
{"chroma:document": "There are something wrong with my account. I called PC, and hold for 72 minutes. Finally, a male staff answered the phone, I explained to him what is going on, and he investigated and let me to hold. But the line suddenly jumped to another customer service people, This lady is very impatient, she always break in my explanation, and insisted she can do nothing. The worst is she just hang on without solution. The whole process is really unpleasant. I cannot believe the customer service staff is so rude."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: abafb171d9ee4206b9ac51101aead760
encoding: FLOAT32
metadata:
{"chroma:document": "I called the 24/7 technical customer service number and was told I was the third person in line before my call would be answered. 3 hours I waited... And no one answered. So I hung up. If it's a 24/7 customer service line then calls should be answered?!?! I'm cancelling my account with this company. I don't recommend Pc financial to anyone. 1000000 THUMBS DOWN."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e69ffd564b774165afe42d45cb73d376
encoding: FLOAT32
metadata:
{"chroma:document": "They haven't done it yet so maybe I shouldn't give them just a 1 but I did see on their website when I went into my account to get my balance owing... It was saying something about if World Elite cardholders don't charge at least $15,000 per year on the card starting soon I think... It will be downgraded to a reg. PC M/C... Seriously??? How can they take back a card that is in good standing. I probably charge about $10,000-$12,000 a year on the card & I pay it in full every month & if I don't increase my charges they will take it back??? The only extra on it is you get 3% back on purchases at Super Store & Shoppers & at the pumps there I think. Otherwise it is 1% everywhere else I believe... so that might be 3% on $200/month or less...the rest is 1%. Same as reg PC card. I can't believe they would do such a thing?? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1526b4f1bdd40d2813863ad887d6d18
encoding: FLOAT32
metadata:
{"chroma:document": "My experience is a negative one and had I read these reviews prior, I would have never applied for their credit card. I received the new card in the email, and upon trying to activate it online, got the restricted access message, locking me out. So I called the customer service number where after waiting just over an hour on hold was told by a hard to understand customer service rep that I could not activate my card because there was a security breach put on. She could not unlock my account either. I was told I would have to email my identification, etc, etc then call back. So, I promptly cancelled my card. Never activated it. Never had the chance to use it as a brand new customer. Based on my experience: Read the negative reviews. Stay away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d2cdfda4dfc4efaa0a2e761bf2fe90e
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metadata:
{"chroma:document": "During Covid President's Choice decided to lower my credit card limit without telling me even though I have never missed or been late on a payment! They lowered my limit down to what I/O them! So when my new statement would come out I would have been charged over fees if I didn\u2019t happen to go and look at my account first!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d84141e2a22f474785ecd33d907e37a4
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metadata:
{"chroma:document": "I have been a long-time PC Mastercard holder and was happy to get some free food after making purchases and paying bills with my PC Mastercard. But then things changed. I signed up for automatic credit card bill payments at the end of the month and signed up for text alerts whenever a purchase was made. What I got was random texts for mostly small purchases under $50, and next to no texts for larger purchases, including two large unauthorized purchases for hacking software. I then went to dispute the charges, and it took over 3 weeks for the charges to come off. That was the least of my problems. My full balances were not paid at the end of the month, as I had signed up for. Instead, a large amount was left on, which would then accumulate interest if not manually paid by me, so I had to log on and pay the remaining balance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 038ddf05a69f4a368c78e1d7222ae5e5
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{"chroma:document": "I have been with PC since it started (20+ years), then they changed their name to Simplii. My PC elite card was pulled because I was not spending enough money during last year (Covid & lockdowns!!!) & their features are not as good as my other cards - that's why I use my other cards more often. I had never agreed to downgraded my card nor wanted to be subjected to all the new requirements. Since it only can collect PC points, they want me to spend over 25k per year to get it back. Do you really think your card is that special? All we talk about is PC points not gold here. What a joke. I will simply spend the remaining 2k in points at Loblaws and not use this card again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 43891725c9c64564adebde0d3f0d047a
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metadata:
{"chroma:document": ":ike all the reviews it's true, they dont like people, I think they are in financial despair, you dont take away credit from people who pay their bills, it happened to me 3 times on the same account, once it is paid they are gone from my life, stores, gas, etc. Points are worthless anyways."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1afd6b3daed9420493aab93651458135
encoding: FLOAT32
metadata:
{"chroma:document": "Had a PC Financial Mastercard for 7 years now, used regularly and had regular limit increases without even asking. Never missed payments, always paid more than the minimum balance and they were making between $25 - $45 in interest off my most months!! Last month I signed up for PC Insider program and started to use the card more at Superstore, Esso and Shoppers so I'd get more points, earned about $120 in points in 1 month and all of a sudden I try to pay for an online PC Express order and the card is declined because they lowered my limit without notice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 786a4c66cc31440b93e3a720c7a14f8b
encoding: FLOAT32
metadata:
{"chroma:document": "PC Financial is the worst account I have had in all my 49 years of banking. I am horrified at the lack of English speaking customer service staff. It is impossible to get decent service. I opened a saving and checking account. I transferred $900.00 on January 30, 2021. I forgot about the checking account and found out PC Financial closed it after 60 days. The $900.00 that I transferred was lost. I phoned PC Financial service to inquire why the $900.00 was not deposited. I was told it would be deposited in the account within the next hours. WRONG."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8b9160476704bba96a047a779575888
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metadata:
{"chroma:document": "I had a $19,000 credit limit a week ago. I did an online request to transfer an $8,000 balance from another credit card to this account which had $6,000 owing. I got a call from a PC Financial security specialist confirming that I made the request a couple of days ago. Today, I went to buy breakfast and my PC credit card was declined. I phoned and found out that they had accepted my balance transfer but lowered my credit limit to $7,500 without notification. The supervisors could not be found - maybe still in bed or vacationing in Mexico. So essentially the card is useless to use for PC points."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d42e1005aa8410796d53e7de6bceee5
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{"chroma:document": "Terrible experience applying for a M/C - I was sent a card with an approval letter. When I tried to activate it...the account was closed!!! Customer service was useless and their troubleshooting provided zero concrete solutions. Beware of their scam to offer $100 with your first purchase - I regret having given PC Financial any of my personal info. Terrible experience and would never do business with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca97513ae97b40bb9a20a366ba2851ec
encoding: FLOAT32
metadata:
{"chroma:document": "If you want to sign up for the PC money account, the points are good, but that is the only good thing I have found. There are no cheques. There is not a proper PAD form. You cannot deposit cash into this account through their bank machines. You can only withdraw cash. Tried to set up pre-authorized debit for my ICBC car insurance and ICBC does not even recognize them as a bank so the debits will not come out of my account even though there is money in the account. You still have to have another bank account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6504f593987e4602a869d0c6a1ac9178
encoding: FLOAT32
metadata:
{"chroma:document": "I have Master Elite World PC credit card. I have never been late with any payment to anybody since I was born. I have been a customer of PC for over 2 years, never missed any payment, always kept credit limit in good standing. Paid much more than miminum shown. They cut my limit out of the blue from 2500 to 1500 in October 2020. I called and I was told they reviewed my credits. They cut again my limit to 1000 in November without any reason, no call, as in October out of the blue. You can notice once your transaction is declined during purchase. Do not advise to make any business with PC Financial. Bunch of unrespectful losers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb4e969ed85c465791c5a3d455dd2ed7
encoding: FLOAT32
metadata:
{"chroma:document": "I have had the worst experience with my PC Money Account and the people who represent them. I have had to call them 5 days in a row and at least twice each day because I would get money into my account to pay bills, and I'd look at my account 30 minutes later and $50 is taken off my account with no record of transaction. Money just magically disappears? Then I'm told that money would reflect back onto my account by Monday, it's now Wednesday and I have yet to see that money reflect back onto my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16118c7f5cdf4ab6af247578e571673c
encoding: FLOAT32
metadata:
{"chroma:document": "I paid for my yearly insurance, >$1500. Then 6 days later they called me and told me they cancelled my insurance. Had to call 3 times to get my money mailed back. I still don't have it back. They have so many staff and no one knows what they are doing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b901a4dd18404cb8bcb45ce48f39a01e
encoding: FLOAT32
metadata:
{"chroma:document": "I would like to tell everyone to be mindful of this company that they provide very consumer service. I have had a card with these people for a number of years and now for no reason they have decreased my limit. Very embarrassing when you think that you have room on your card and it is declined. I am cutting up my card and sending it back to them. Perhaps they should stick to selling groceries and not enter into the financial services which they know nothing about. Oh and their food product quality has greatly decreased. Walmart is better and cheaper. Honestly these guys really suck!!! there are a lot better places who will bend over backwards to earn your business. Shame on you President's Choice Financial services for misleading consumers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b6ed66779c8d456aa62b3ff540130e37
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a loyal credit card holder for over 10 years. Now without warning my limit got decreased. When I asked I got a \u201creviewed your credit....\u201d canned email which they probably send to everyone. The reduction was uncalled for as I have excellent credit with them and my other creditors. Nice way to lose customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae422c64730945ad8665eba5cd1c772e
encoding: FLOAT32
metadata:
{"chroma:document": "The \"No Fee\" banking is what really attracted me to sign up with PC for the Money Account - along with the points admittedly. I've been a banking customer for about a month. I made the mistake of setting up my direct deposit for my weekly payroll to this account. Only once did it make it in on a Thursday (regular pay day). I had e-transferred to my TD account several times without issue. I sent an e-transfer to my sister; 48hr later and she still hadn't received it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f7701c2406a2413b828391de5e671a90
encoding: FLOAT32
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{"chroma:document": "Tried to apply online as I do not have any store where I am living, when I get approval letter I went to Winnipeg which is 100km far to get my id verification. I get know about good deal on applying in store, call customers and talk with supervisor but they just not want to help me out with that. They just say they can not help me with. Very disappointed with these. Will not suggest anyone to get it. So rude of them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 32eb66716adc40948042bf3e33649c17
encoding: FLOAT32
metadata:
{"chroma:document": "Got an email from from PCF saying they are going to suspend and cancel my account because I went near the limit of the card. I had this account for nearly 3 years now and then they decided to go and cancel the account and send me the final bill for the account. The cc company is spying on my use of the account without my knowledge, so they terminated the account and will be sent to collections department. Never again am I getting another card from them. I recommend staying away from this crooked company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 543667a647b849c7ac1b9a071feefe77
encoding: FLOAT32
metadata:
{"chroma:document": "I would start by saying I recently (Under a year) got a PC Financial World Elite MasterCard. I noticed for cash backs, it definitely not a good card. The interest and fees are excessive to say the least but that\u2019s not even the issue. During Covid 19 pandemic, we received correspondence from the company to state if we need to defer any payments, we can, however interest and charges are still been accumulated. I went ahead and request a deferment, unbeknownst to me, this put my account in \u201cnot good standing\u201d and when I recently asked for a credit limit increase, I was refused. I fail to see how you offer a service and when that service is accepted by the client, you penalise them. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a6f3aeb270341a1be4442d3d8b93e2d
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a card for roughly 6 years. I kept it low, had a health crisis and maxed it out. I've always tried to pay more than the minimum and never missed a payment. They keep finding reasons to raise my minimum and my balance has gone up over 1000 more than my max. If that wasn't bad enough, they harass me constantly for payments even though I have never failed to make one every month. I'd say avoid at all costs, their service is terrible and they're deeply dishonest. You ask for help to figure out how to reduce it and they just tack on more penalties and fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d6b9be3644e4d3b9d5e673f568f8a0f
encoding: FLOAT32
metadata:
{"chroma:document": "I've had the PC MasterCard for over 10 years. My wife and I both have a card and use it like a bank card, making sure to pay the entire balance on time each month. We've never done the calculations, but we feel the amount of free groceries (there are other options to use your points but groceries are the most convenient for us) we receive far outweighs any benefit we have earned from other credit cards - including a TD Aeroplan card that we pay $150 a year for (but not for much longer). We've had a couple of issues with customer service but no worse (and I would suggest better) than any other card I've had."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c6d33e9176c43aca5a6cb15c5a072bb
encoding: FLOAT32
metadata:
{"chroma:document": "I am still dealing with a situation that apparently Customer Service has no idea how to solve except for giving me wrong information call after call...and by the way different answer to the same question every time I'm calling in. Not to mention that if you will mention that you are not in front of your computer you will be given info that makes no sense or have no logic. (Ex: I was asked if I applied for a balance transfer at the time I applied for a card - how would I be able to do this if I have no idea if I am approved and what is the card 16 digits #..) "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfa870e7161a468fb4b2a7ae059d38df
encoding: FLOAT32
metadata:
{"chroma:document": "Started off with a credit limit of 7800, kept a high balance for maybe 10 months but always paid more than the minimum every month. Then I paid 5000$ payment and they reduced my limit 5000$ hurting my credit score. This company is the worst to deal with, I could not get online for 6 months due to a upgrade process that was all to their lack of programming skills. Do yourself a big favor, stay away, you don't need these **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c143a44bd68246db96e4c82c2188f119
encoding: FLOAT32
metadata:
{"chroma:document": "I signed up for the PC Mastercard when they had a deal that you would get 75,000 points upon sign up. When I received my card, no points.. A few weeks later still no points. I called customer service and all they know how to say is \"sorry. my apologies, so sorry\" then they said it takes a few weeks for the points to go into your account. Where was this information when I signed up? Another week goes by... I get 20,000 of those points. At that point I emailed them and again \"so sorry, my apologies, sorry, the remainder of the points will come in 4- 6 weeks\" and proceed to ask if I have any further questions. I emailed them back with several questions.. And got no response back. I Will soon be cancelling."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f67640a562a4580b869640244843735
encoding: FLOAT32
metadata:
{"chroma:document": "I applied to for a PC MasterCard from President's Choice Financial recently and the experience was extremely poor. It didn't take long to apply, but when requested documents were set to help prove my credit rating was good (it's excellent by the way) the documents were ignored three times and representative who continue to call asking for the same documents. Eventually I went into a store to deal with the situation only to find that PC Financial closed the application out. The store representatives then helped to start the application again and a week later I get a letter indicating I can't apply for a card while the initial application is being processed (though it was actually cancelled by PC Financial). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e94d3ed8a97040909c9ddc4f6e1be7a4
encoding: FLOAT32
metadata:
{"chroma:document": "I had a PC Mastercard for over 20 years. ALWAYS paid up in full and on time. I had a good credit rating and was a loyal customer. I asked to change my address temporarily while moving provinces. They agreed. The next thing I know my account was closed without any notification at all. They cannot re-open apparently. They cannot pay me back for my points. Why? Because the reason stated for account closure is \"unknown\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e449551064744fab0165e047ce21b4f
encoding: FLOAT32
metadata:
{"chroma:document": "I've had PC MasterCard for a few years and been pretty ok with it till now: worst customer service ever! I had paid an installment more than the minimum payment due, and 12 days before the due date as well. I had called previously to announce that I would be paying this amount on this day. When I checked online banking I saw that even if the balance was less than the credit limit by exactly the amount I had paid, there was still an available credit of $0.00."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 739ff94284114b91b6429b33a441846d
encoding: FLOAT32
metadata:
{"chroma:document": "It took me over 30 minutes to log into my online account because they implemented a verification system that was unable to email me, text me OR call me with the 8 digit code just to review my credit card transactions.... Seriously banks don't have this kind of hassle to review your account transaction or statements. The new updated website might look prettier but totally stupid and not necessary, as the old one was perfectly fine!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c7d6c8241b84c50a762843a401749f3
encoding: FLOAT32
metadata:
{"chroma:document": "The annual fee on my favourite credit card increased so I decided to shop around for another reward card without an annual fee. A friend told me about the PC Financial Mastercard. Let me say this....YOU ALWAYS GET WHAT YOU PAY FOR! I have had issues with charges to my account, lack of service, (4 calls and still no credit to my account for unauthorized charges after 5 weeks), I cannot consistently review my account, and am constantly changing my password. I am now very wary and always worried about this card, security protocols and total lack of customer service. I keep checking my app but can't get in. I'm going back to a very more business savvy and sophisticated credit card culture with my bank. Yes, they charge more but it is worth it. Hey, I like save money on groceries but I didn't because I can't get my money back from these guys! Worst credit card experience ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6764d5697d94a65a628660eaa6e8d45
encoding: FLOAT32
metadata:
{"chroma:document": "The company states that you will get/earn 2x the regular PC Optimum points per dollar when you pay your premium with your PC Financial Mastercard\u00ae redeemable towards free groceries, beauty, and more**. I have had insurance for over 3 years and they only award me 1X that is 10 points for every $ and I still pay with the PCF MasterCard which is the requirement. The first year after several emails they finally gave me for the full year around 60000 points then they said next year you will get it automatically at the end of the year's premium period. Guess what? Never happened so again emails were sent and after 4 months was given my points."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a76968747634a9596ea1a654584ca3d
encoding: FLOAT32
metadata:
{"chroma:document": "New renewal card shows up in mail. Try to activate told it's blocked. Called in to be told they had information from a retailer report so, \"We blocked card. Told there was no information breach but are sending you a new card with a different number\". So they forgot to inform me that my card blocked. The only way I found out was my renewal card. Then I see pending transaction from a company I do not deal with. Something smells... Call center just talked around the issue. Asked to escalate. Told no supervisor to take call. Asked call back which I was told would happen. I am still waiting feel like PC may be trying to cover up data breach."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be5a12f5461f4f50959b445b29a8d61b
encoding: FLOAT32
metadata:
{"chroma:document": "Since I got my World elite card, to this day (7 months later) the company has been unable to link to my PC points card. When trying to get it resolved, I continually get transferred back and forth between the financial and PC optimum department. I have now called minimally 7 times, have multiple case numbers open, with no resolution or follow-up. On my last call, I asked for a time frame for PC Financial resolving my issue, and they said they cannot provide a timeframe. Even if the card is a 0 annual fee, I would not recommend to anyone. The process of dealing with customer service has taken hours of my time with no resolution. Clearly limited to no training has been provided to PC Financial. The absolute WORST customer service I have ever dealt with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4dbfb4f798c4139b1db8e59f6a3ba6e
encoding: FLOAT32
metadata:
{"chroma:document": "I was scammed by an online merchant that made multiple fraudulent deductions from my PC MC and did a horrible bait-and-switch on the item ordered. First, customer service refused to proceed with investigations on the merchant until after 30 days after the fraud was reported. Then they asked for onerous dispute documentation, which I complied with. Now they want an independent merchant to certify that the chalk that arrived isn't cheese I ordered. Why do I get the feeling, having spent literally hours trying to resolve the situation by phone, they're playing for time and averting responsibility for purchase protection in an obvious fraud case? Why do I feel victimized twice? Despite their advertisement of purchase protection, PC MasterCard doesn't seem the same as TD Visa or Scotiabank. I don't even know my rights anymore after this experience!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f3a8ae924e8f4cea9626aac2b31a5141
encoding: FLOAT32
metadata:
{"chroma:document": "My pc credit limit was decease without notification and it is not stated in company policy. I called a supervisor and only thing she could say it just happened like that. This company had the worst customer service and don\u2019t have care about their customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ae388a0d93949acac2267bf2cf5c2c5
encoding: FLOAT32
metadata:
{"chroma:document": "I have called six times to try and get it straightened out. It won't link to my regular points card. I never got any points for signing up or when I use the card in the store because it shows that I am not using the card which I have been for months and paying the bill online. Every time I called up they will make a note to get it fixed but that never happens. I will keep it for another month and then get rid of it and just rely on my points card for points. Sorry PC but this card sucks and I think two months gave you enough time to fix the problem. One star is still too high."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 074d555b0e55423d9bf3b83995359186
encoding: FLOAT32
metadata:
{"chroma:document": "They have the worst customer service ever. I have spent too much waiting for them to answer and there's no notice or voice recording how long one has to wait, plus the agent has put me on hold too many times and far too long. They seemed to be so disorganized as when the agent told me a supervisor will get back to me in two hours, two hours have gone and no one ever called. It's been more than 30 hours now and no call was ever received. This is unacceptable. I would fire them if I were you as it shows that they're damaging the company's image by not providing customer service to the clients as they're expected to."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c309972e39645e9a5bf499aa6b50188
encoding: FLOAT32
metadata:
{"chroma:document": "My Optimum and PC MasterCard cannot be linked. I have been dealing with escalation (Elizabeth) to be exact. After numerous calls and disconnects I finally got through to Elizabeth in escalation. She basically promised me she would straighten everything out. Now she won\u2019t even return my calls. I called last Thursday and was told my name was in the cue and Elizabeth would definitely call me back that day. It\u2019s Monday evening and Elizabeth has failed drastically. They owe me 100,000 points. When received I will use then tell them to stuff their card. Don\u2019t waste your time on this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a7b434e6efb4478e8253a9a84564800b
encoding: FLOAT32
metadata:
{"chroma:document": "President's Choice is a very good choice when it comes to groceries in Canada. Unfortunately, we opted to enroll with their Mastercard as there was a discount at their gas pump and points for purchasing groceries. They do not sell gas anymore. Since we shop at Costco we elected to keep the card. Loblaw's should keep to selling produce, but, not provide financial services."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7cdf93df860a4414ad7b17442086431f
encoding: FLOAT32
metadata:
{"chroma:document": "The credit card itself has definitely nice perks, but their online and app platform is absolutely horrible. I cannot access the app half the time, and get locked out. Not because I forgot the password, something seems to be constantly being updated. And now I have not been able to see my transactions for 2 weeks. Finally when I did get the access, my app seems to be missing 8 days in transactions. How is that even possible?! Apparently this is caused by delays related to launch of new website. Although, in the past with old website there a lag in transactions as well, which for a consumer equates to consistent overspending because you assume that spent less than you actually did, obviously works great for the credit card company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 765e66c8d7134661b4464c74f47a2e8e
encoding: FLOAT32
metadata:
{"chroma:document": "Yesterday I changed my password for the umpteenth time in the last 18 months. All I do is change passwords. What the hell is so valuable in this site that security is more important than customer service. I have less hassle accessing my 2 bank accounts online than I do trying to see the purchases on this $1500 credit card. I'm ready to cut this card up and never shop Loblaws or Shoppers again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c6943f143de41e6928c104cd9ffada7
encoding: FLOAT32
metadata:
{"chroma:document": "I recently applied for this card. Was surprised when I got a voicemail to contact them about my application. I have an excellent credit rating and significant financial assets. When called the number and spoke to the customer service rep she was terrible. She couldn\u2019t follow me spelling out my name or providing my phone number (and I have a generic Cdn accent). She seemed very confused and I ultimately asked to speak to her supervisor. Turns out they wanted me to send documentation to substantiate my identity. However, they wanted it sent by Email!!! Given the risk of identity theft, I asked if I could present it in person or if they had a secure portal. Nope. Email, mail or Fax. All of which are not secure. In 40 years as a credit card holder I have never been asked to do this. I asked them to cancel the application."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e3a9be247b440bcb98cd2ef343d2f3f
encoding: FLOAT32
metadata:
{"chroma:document": "I overpaid on my credit cards as I knew I would be making purchases, the company charged me interest on my money even though my balance was zero, and my money in the bank for future purchases. Without knowing it the company started charging 25.99 % interest. Everyone else is charged 19.99 % interest. If you do happen to go over your limit be prepared to be charged a fee and or be charged more interest as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5345857d2d6a4e2c9776906ad25b2cd4
encoding: FLOAT32
metadata:
{"chroma:document": "Love going to shop for groceries and realize at checkout time I can get $20 off my grocery bill because of all the points I quickly saved up with my PC Mastercard. I use it for all my purchases now. And no annual fee. Bonus. Unlike the Costco Capital One Mastercard that I used to have which charges $120 a year for membership. No thanks. Thus far, I have had zero issues with this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66c6ce25019e476da76ffac37ee85076
encoding: FLOAT32
metadata:
{"chroma:document": "Don't recommend this card because I had a credit limit of $20,000 and due to missing one $200 and change payment they reduced it $5,000. If you like stability you will go for someone else than PC Financial. I am very frustrated since I use that card quite frequently and I quite often go up to to the 19000 and then reducing it to 15000 is just very frustrating and it makes me never want to do business with them again. I did not think I've been a bad customer. Just missed one payment once and the whole entire time I had that card which has been for about 9 to 10 years. I would leave a zero-star if I could right now and since that isn't an option I will do the next lowest option."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 455899b5d35e4896ac1214ebb3e9123c
encoding: FLOAT32
metadata:
{"chroma:document": "I wanted to give a 0 star but it wouldn't me. I have been trying to access my account statements for past 4 to 5 years. Their contract says I can view up to 7 years but they only give me access to 24 months. They want $10 per statement to send print copies and have the nerve to tell me it is in the agreement I \"signed\" when I joined paperless statements. I can read and it says 7 years."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ac8f9fbfe44439689002486061929c7
encoding: FLOAT32
metadata:
{"chroma:document": "I've actually had this card for years. I rarely use it - I keep it in a drawer. About once a year or so, I'll have reason to use it and will be declined for \"unusual activity\" or the transaction will go through and I'll be contacted out of the blue by their loss prevention team and have to jump through hoops just to get the card going again. I rarely miss paying off the card on time, but when I do with this card, the interest rates are usurious. And if the customer service were actually non-existent, it would be better than it is now. It's easily the worst customer service I have ever encountered anywhere. Just now, I called and asked how to change the PIN on my credit card. After asking me why I wanted to do that (none of his business) he point-blank refused to answer the question until I gave him my card number and ran through the security questions. When I refused to do that and asked to speak to his Manager, he hung up on me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3fed1d9476a4f4faa03ef5bf0e18df2
encoding: FLOAT32
metadata:
{"chroma:document": "New website - horrible. I don't understand the need to redesign their website. Was a tabular format \"too confusing\" for the majority of users? Was copying and pasting directly from the website not something they want users to be able to do? Was downloading transactions in formats other software might understand a burden to their systems? I feel like I'm looking at dashboard designed for school-aged children. At the very least, I should have had a choice whether to use the new interface, or stay on the old design - which allowed me to actually keep track of my expenses."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3959d69b2c7494a930610315144d0d6
encoding: FLOAT32
metadata:
{"chroma:document": "On Apr 30, 2019 couldn't get to main sign in, immediately on home page message (https://secure.pcfinancial.ca/login): \"Oops, something went wrong on our end. Please try again later or contact customer care and reference the error code below:\" First time there was bunch of numbers and letters, but later nothing. Tried on Smartphone and notebook, browsers Mozilla Firefox and IE (v11) and Google - the same (it worked before). Called, she reports it to other dept. and wrote down all error numbers and I should try tomorrow... not acceptable, I am right now in hotel on other continent and need to see all my payments and balances, if they are correct."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f230bb65ff5d4ac2b129f20ab07cccca
encoding: FLOAT32
metadata:
{"chroma:document": "Nine months after canceling my credit card I received a bill in the mail with interest. Even after cancelling my card PC Financial MasterCard allowed a transaction to occur. After calling them to inquire they insisted this was my fault. It baffles me that these crooks will allow a transaction to occur even after cancelling. I guess they are desperate for business. Be careful if you choose to sign up. It is a never ending terrible experience. You would likely have a better experience with a loan shark."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f3da1b4a948b4450970c06f1a2379de3
encoding: FLOAT32
metadata:
{"chroma:document": "PC went from being my favorite bank to the most hated by ALL! It's just gone down the hill quickly after they switched to the new web design. Logging in is painful and frustrating, page layout is not user-friendly, transactions missing, what the hell!?? And now their website is not even working AT ALL!!! I am DONE with PC Financial! Obviously their customers' satisfaction means nothing to them, they don't listen and they don't care :(\u2026 This will be my last bill to pay with them. BYE BYE PC Financial!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 87577960a12c422bbc4c4afe1664fb78
encoding: FLOAT32
metadata:
{"chroma:document": "The card would not work after activation. I avoid the website so called MC. After endless recordings, promotional bs and glitches, finally got a person. I'm keeping my old PIN, but learned that to do so, I had to choose \"new PIN\" not \"use existing PIN\". And that on next use I'll need to keep it inserted and re-enter PIN a third time after it has been rejected twice and I see \"remove card\". Great customer disservice. I told the person I wanted a call back from someone about my complaint and was told that won't happen. At the very least, maybe someone will find reading this useful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09093304b51f45829b42fdf8da93f096
encoding: FLOAT32
metadata:
{"chroma:document": "I'm canceling my card. I've never found it easy to access online banking with this card, and it's frankly unacceptable. Clearly no one cares or the problem would have been fixed. Bye bye PC Mastercard."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 466b644c0f854d399f37deebcf9edb5a
encoding: FLOAT32
metadata:
{"chroma:document": "Whoever approve their website to be updated like that doesn't even know how to access bank accounts online. It's very bad, everything was good before. I'm always checking my balance and transaction online but their new website is the most difficult, not friendly user website I've been to. If only this was not affiliated with Shoppers Drug Mart I would have deactivated my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23b644543bac4cc4aaef4294604eed7f
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a PC Financial Mastercard for over two months now and have never been able to access my online account. Customer service can offer nothing more than to tell me to just keep trying to log in week after week, for months now. Customer service has also submitted numerous (probably around 5-8 at this point) requests for IT to look into my account and this has been entirely inconsequential. If I had to guess, it seems that PC outsourced their new website to a profoundly incompetent IT company (probably due to the cost savings) and is now paying the price (as are their customers)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85995826d94742c58a2dd1641d5d0550
encoding: FLOAT32
metadata:
{"chroma:document": "Since early January, 2019 I have been unable to get online with PC Financial Mastercard. I have been in contact with Customer Service on eleven (11) occasions and have not got any satisfaction whatsoever. They keep telling they will forward my problem to IT and to try again in a couple weeks. The last contact was on March 26th, so I will wait the couple of weeks and try again, but I know it will be the same disappointment of nothing happening. Canceling card!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 792a77bcf6ae4ab7951bdaa98cc69100
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{"chroma:document": "My Name is Andrew, I had a charge that was clearly fraud from BET365 200.00 . I called PC and they said call the company. Frustrated I had to go through this I Did. Company had no record of the charges and couldn't help me. I contacted PC 3 occasions by email. They couldn't help. Them a 150 charge with no info other than NAAN. No number. Nothing and they said couldn't help me. I had to contact company. There isn't even a number posted. I called and a 94 min wait time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 870492ba37ed4d4fa01672eb59b68371
encoding: FLOAT32
metadata:
{"chroma:document": "Loblaws now owns Shoppers Drug Mart store and the service as all Loblaws stores has become worse. On Sunday March 24, 2019, I was in the Mississauga Shoppers Drug Mart Store On Hurontario and Dundas. I was just trying to shop when some man sneaked up behind me... and startled me. Before I knew it, he starts talking about signing up for PC Financial Mastercard."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 509717158fe04777a3f7b836fcf36d2f
encoding: FLOAT32
metadata:
{"chroma:document": "Everything was good until the new website came about. Transactions weren't posting correctly. Everything was kind of mixed up and statements weren't being emailed out on the proper dates... Arriving late and such. Minimum payments weren't being adjusted properly and sequentially. When I called customer support they do not seem to understand. They just look at the numbers there and they don't think rationally. Apparently any transaction we do, we should think of it as happening 4 days later, so if your bill is due on the 20th and you pay it through online banking on the 19th...forget about it. They'll treat it as a past due amount and then not count the money that you just paid towards your minimum and try to get it out of your on the next bill as a passed due amount. These are the problems I'm facing because of transactions not posting properly. This all started with the new website."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a28b16e24352415485ce14d9d5ab4e07
encoding: FLOAT32
metadata:
{"chroma:document": "Last week I spent 40 minutes on the phone with P/C Financial. I listened to the whole phone spiel 3 times, 2 times I was disconnected. Finally got everything straightened out, new password and I logged in. Today I tried to log in and to my surprise I got OOPs Invalid entry. I swear to God it would be easier to break into Fort Knox."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b6c3ac89a974a8b85f6179adb3c1745
encoding: FLOAT32
metadata:
{"chroma:document": "I have had my World MasterCard since early 2017. Opened at a whopping $500 credit line. They increased it to $2500. Then to $6500, respectively, over this time. I asked them once more to increase it to $10000. After a lengthy process, they declined. No explanation. 700\u2019s credit score, all my balances paid in full every cycle, no late payments, etc. I called BMO MasterCard right after (for an account I have only had 6 months) and they increased it from $5000 to $10000 no questions asked. To keep my ratios in-line, I then called PC back and lowered theirs from $6500 to $1000. Will no longer be using that account unless I shop for small grocery orders in those stores. The overall experience for me with them is poor- much like other reviews I am reading in this forum. It\u2019s better to stick to the BIG banks for these kind of reward cards. Don\u2019t be fooled. PC seems a bit shady in my opinion! Thanks for reading. :)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 87d259e5dbd242a8860b3b7e2b4b17bc
encoding: FLOAT32
metadata:
{"chroma:document": "Someone called me saying he was from PC Financial Credit Card Fraud dept. and talked me into a 30 day trial period. It was $19.95 per month and I could cancel anytime before the 30 days and would not be charged. It has been over a month and have still not heard from them since. Nothing in the mail and no e-mails. The number that called me was 1-416-855-8111."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1d426eee6c24f45a5c73ce67c26db3a
encoding: FLOAT32
metadata:
{"chroma:document": "This is disturbing with these people. This is the 21st century and cannot view our statements online, no direct access to tech guys like every other credit card company. All they say, \"We are going to write them an email,\" three weeks later still waiting, no action. Who does that in this day in age. This is a company with money and this is the best they can offer. So we blindly spend money, and either wait for a paper statement or get on the phone each time. Real BS."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c1b70dcea8249fe890d91de5516c637
encoding: FLOAT32
metadata:
{"chroma:document": "Before the new website I loved my PC MasterCard! BUT ever since the new website, I have been unable to access my account. I have spent a half hour each time (six times!) with a rep and we go through the hoops and I could only access it once. I have no other choice but to cancel my card because I don't want my credit score to go down if I can't see my account details to pay my bills on time and secondly I can't monitor my account to see if there are unauthorized charges on it. If they get smart enough to finally figure out that it's a screwed up system that's going to cost them their customer base and make some necessary changes, then I might go back to them but I certainly wouldn't recommend anyone getting involved with PC Financial right now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5786e012d0e54196b3d20172033cf57f
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with PC MasterCard for at least 30 years. I have had no problems with it before this new website. I have to phone EVERY single time to get in... I have changed my password so many times that I have a notebook of new ones to remember. I was told to empty my cache and cookies which I have also done several times. I am so frustrated for this massive inconvenience. As well when the website finally opens for me. The format is not as user friendly as the old one. I'm afraid I'm going to have to cancel my card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd3fed988a374f77891a14c40c2d0976
encoding: FLOAT32
metadata:
{"chroma:document": "I generally have no problem getting my offers points or in-store points, but I'm having a nightmare of a time getting the points by using Mastercard. With this card I am supposed to get 10 points per dollar everywhere and 30 points per dollar for places like Zehrs and Loblaws, etc. I spend $2000 to $3000 a month and pay the card off every month but I rarely find the points for using the card. On the points statement they are called PC Financial Earn. After dozens and dozens of emails and several phone calls the response is mostly the same. \"Read our fact sheet!\" And it takes two to three days or four to six days. And the real kicker is now they want PICTURES of my Zehrs receipts!! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 638fd398418c4f6f9d4924adecce7b5f
encoding: FLOAT32
metadata:
{"chroma:document": "I have tried several times to log into the new site. Keep getting caught in the loop to update information. Contacted them by email with no response. Will be paying off the card and switching all automatic payments over to another card and then cancelling the card. Very poor customer service in a time where they should be looking after good customers with good credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5600683c5b3d49b7aed086701ee136cd
encoding: FLOAT32
metadata:
{"chroma:document": "1st issue- I was charged by some company in China $65. I went to dispute it with PC Mastercard. They told me I would have to wait 60 days to dispute it. Long story short, I never got my money. 2nd issue- I cancelled my card after the 1st issue (Oct 2018), in Jan 2019 I was refunded by Amazon to this card. PC MasterCard never contacted me or sent me a refund. I am in a long process of trying to get my money back from them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c3046dc0903748e6a54c47eafa8ca139
encoding: FLOAT32
metadata:
{"chroma:document": "Been happy with this card until this new site design, which is awful to use, and won't work any longer with my budget software (Mint). Kind of frustrating to change, and now I'm looking for a new card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3433d49dad2d4407bceb1c45e7381778
encoding: FLOAT32
metadata:
{"chroma:document": "This has to be the stupidest thing I've ever heard of! Suddenly I cannot log in to PC Financial to access my credit card information? I've tried over and over again to access the website, to register, etc., and I keep getting run around in a circle. Eventually I decided to call them, and even they couldn't get me through the sign-up process! Major fail."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 32640deb6c964302964c1671a22352bf
encoding: FLOAT32
metadata:
{"chroma:document": "I have had PCFinancial MC for many years. PROS: Good point rewards. No Complaints there. CONS: This card is NOT accepted everywhere, particularly at Asian Airports. My account at Amazon was hacked with fraudulent Charges appearing on my statement. PCFinancial was notified immediately and they promised to fix it. Two month later I received a letter stating: \"After a thorough review the President's Choice Financial MasterCard and Fraud Investigation Department has determined that the transaction(s) claimed as fraudulent were either made by you, your authorized cardholder(s) or another person known to you and/or you have failed to cooperate with the investigation\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 71bf7bf397664fa7ba6ed1581629418e
encoding: FLOAT32
metadata:
{"chroma:document": "Have two computers side by side - with one I can get to my account OK, but the other one (laptop computer) cannot. And I used 1 before. Spent on helpline many hours, called support but to no avail. They went step by step through but still the same. It asks for verification number via email and phone - did all many times but still it is the same. I have this card at least 14 years. I will need access this account using my laptop because I will be traveling and I need to check spending and payments."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13c4bc98eacf431b93042331790d4ec9
encoding: FLOAT32
metadata:
{"chroma:document": "After 20 years I'm switching to another Mastercard. They have ruined things with their new site, a screwup that reminds me of how Digg.com killed themselves. I am unable to see my transactions and customer service can't help. The site continually errors out and locks the account. What was wrong with the old site?! On a positive note this experience spurred me to find a better Mastercard. Great job guys. If I were CEO there would be hell to pay for this fiasco."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22a89ab9562e41f1ae6bf955c83bb034
encoding: FLOAT32
metadata:
{"chroma:document": "This has to be the stupidest thing I've ever heard of! Suddenly I cannot log in to PC Financial to access my credit card information? I've tried over and over again to access the website, to register, etc., and I keep getting runaround in a circle. Eventually I decided to call them, and even they couldn't get me through the sign-up process! Major fail."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d05c91ab8f543fcaea4213fe2e25754
encoding: FLOAT32
metadata:
{"chroma:document": "I've been trying to sign up for online banking about 2 months already. Support's just answering \"copy paste phrases\". So I'd just want to remind that it's 2019 year in the yard and you aren't able to use online banking."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e0454412189248788b196f67ffde9e61
encoding: FLOAT32
metadata:
{"chroma:document": "I used to enjoy having this credit card but no longer. Recently they changed their online website making it inaccessible and I can no longer use online access to check my spending and bills. When I try log in asks to type on the first try the credit card number, the expiration date and phone. After typing this perfectly correct it reports it as incorrect information and displays a new form asking this time to type card, name and postal code. Again after typing it correctly it reports it as incorrect, then it shows a third form to type card number expiration date and birthday, and after typing all correct it reports, \"your account has been locked for too many invalid entries, try again later\". "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0193441d40da439b8c46346466d28b85
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying for 1 year now to access my online account - 20 changed passwords, 20 access codes, 4 hrs on the phone with agent. I have written 3 emails (no response). I have been ignored and basically called a liar. It's my fault not theirs. All I want is access to online account. I guess I am asking too much. One other thing I discovered while looking for someone of importance to complain to I came across 2 website that stated that PC FINANCIAL has a problem with Transgendered people. Maybe that is why I have been treated this way. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0284be568641442d9d4698b7f75b79a0
encoding: FLOAT32
metadata:
{"chroma:document": "Three times in two months I've been locked out despite being careful to type my password correctly. Talked to two reps, neither of whom mentioned it was a known issue, and yet here is this website with all of us writing in about the same issue. I've been reading about other rewards cards and this one doesn't even rank as decent. Occasional free groceries is nice, but we can all do better. I'm moving on; you should too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73692a5644554cd19d079a2bd0e16b54
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metadata:
{"chroma:document": "I have had a credit card with PC Financial for a few years. Never missed a payment and always paid over the limit. Asked for a credit increase; was given the increase then two months later they lowered it lower than it was prior to my asking. Then I called to ask \"What the Heck?\" and was told that I was using my credit too much. So if I am paying more than the required minimum every month and never miss a payment, what do you care how much I use my card? Following the above conversation, they lowered my credit again. Then I made several payments adding up to over $2000.00 in a month. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e2f37e377134dd5be2c74bf301730ef
encoding: FLOAT32
metadata:
{"chroma:document": "I have cancelled my President's Choice credit card more than 3 times and they keep sending me statements and I paid two of them not wanting my credit ruined! I refuse to pay these scammers anymore as I received another statement just the other day for just over $80.00 and I called them again and said again to cancel this card and I refuse to pay any more. I told them I was contacting my lawyer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24f52cdf279b454396834eb808710716
encoding: FLOAT32
metadata:
{"chroma:document": "Locked out of the website again because they insist on a 10 character PW which I managed to type in wrong (again). It's easier to just type forget your password EACH time and identity confirm to get in. No link to resolve the situation, no 1800 number posted. This sucks. When I do get in unasked for 2nd factor authentication on every login even though I mark the PC as trusted. I want to check my balance not get into Fort Knox. I'd use a phone APP but they don't have one after how many years? Why am I with this credit card company again?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1203643c19aa402ca5be3f0ae56e399c
encoding: FLOAT32
metadata:
{"chroma:document": "1st problem - I have used a PC Mastercard for about 2 years. I have loved the points but the website is really ruining my experience now. I misplaced my card and so I set-up an alert to notify me when the card is used. I found the card and went back to the PC Financial website to turn off the alert. When I went through the steps, the website kept showing an error. I phoned PC Financial and they said the problem was being worked on. In the meantime I was getting emails every time I made a purchase of any kind. Annoying! Over 6 weeks later and I still cannot turn off the alert."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 426a6e2a445b4b37b784db90b612e3c7
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metadata:
{"chroma:document": "I applied for a PC Financial Mastercard for the excellent return on Optimum points, especially shopping at Shoppers Drug Mart and Superstore. That was five months ago, and I've transferred many auto payments and spent thousands of dollars on the card, but have yet to see a single point due to technical issues. PC Mastercard tells me that it's a PC Optimum issue, PC Optimum customer service says it's a PC Mastercard issue. I've called every week for five months now, and no updates, no follow up, no resolution. I am missing 150,000 to 200,000 points now, and have contacted the Ombudsman at PC Financial, and urge others to do the same if complaints are not being resolved in a timely manner. This is unacceptable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: edfe065beee74503abeb13af1958ccac
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metadata:
{"chroma:document": "I have been a PC MasterCard users for a long time and a big fan too. I have told many people about it - how you can quickly cash in your points. But not anymore - this recent online login changes have made me think twice about keeping this card. I may cancel it. So the other day I tried logging into the website and was told that I will need to verify my account where I will need to enter Card number etc. The first thought that came to my mind was this is a Phishing website. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63aefcdc1f044526900f9c365201e3da
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metadata:
{"chroma:document": "I have had a PC Mastercard for about 5 years now. I love their points system. My wife and I would always get gas at Superstore and would receive approximately 20 dollars every 2 weeks worth of points to spend on groceries. It felt almost too good to be true, but all good things come to an end I guess... I have never had any issues with them until about 2 months ago. When I tried logging into my account online it says that my account has been blocked and to call customer support. The 3 different people I have talked to just say that it's a \"technical issue\" and they're working on it. Any good company would have fixed an issue like this in a day or two, but 2 months is ridiculous. The only way for me to check my account balance is to call a customer support agent and get them to tell me or else ask them to mail me a monthly paper statement."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cea2bee492284917a2730bfe6c4f88e5
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metadata:
{"chroma:document": "I, like everyone else, have had the same difficulties in trying to log on to the PCF MasterCard online account system. However, I only recently received my card and thought it was just my problem as I was trying to register. I too received the same response that my card number hasn't been uploaded to their system yet and I should call back in a week or so. From reading the complaints - it definitely is a scripted response. I emailed the \"talktous\" web address several times and was told to telephone because they only answer general questions. I was also told that I should log in to my account and send them a \"secure\" message about the account I can't access! There is another web address/telephone for \"Customer Care\" and I did get a phone call about my email. I thought I'd check for complaints before I bothered to call the gentleman back...perhaps I won't bother!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a30cc6da9a14e25b1f00216e66a169c
encoding: FLOAT32
metadata:
{"chroma:document": "I received an email from PC Financial that enticed me to register for a MasterCard with them. The email stated I would receive 75,000 PC points. That's $75 value in groceries. As a PC optimum points holder, I was definitely intrigued. I had received the card and still for one month, I am unable to sign in. I've called 4 times and each time, the representative just states that because I am still a new customer that my information is not on their data system yet. I find that extremely funny that each time I've called in the last month that is the excuse they provide. I am the primary account holder and my boyfriend also has a card with them on my account and he can sign in perfectly fine. So... the excuse is not valid. Do not give in and get the card. It will give you many troubles!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a649d96c18fc4c85b0e2a62578c1e028
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metadata:
{"chroma:document": "Many of these reviews in the last recent months are so true! I can't log onto my Mastercard account and the call center reps are doing nothing to solve the issue. They are wasting time with useless solutions. Are they instructed to do so? I'll be canceling this PC Mastercard account very soon and will never go back or suggest. PC Financial has ruined themselves since separating from the CIBC."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8bb86ced0ce8406882e7c9c8e4c04993
encoding: FLOAT32
metadata:
{"chroma:document": "I received my card last month, and as of now I am STILL unable to access my account online. I have phoned in 4 times, each person tells me to try again in a couple of days because they have 'escalated' the issue to their IT department. WTF kind of customer support is this? Not once have I received a callback or any explanation as to why it's taking me a month to access my account. Customer support is outsourced to India/Philippines, so the person is always reading off a useless script and does not really understand the issue. Garbage support - I regret signing up for this card. Clearly I'm not the only one experiencing a complete lack of service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 259c4e47141840aba4f30c6adfc30834
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer of PC Financial for years. I have always accessed my account online and I check my account frequently. The day PC rolled out a new website was when my frustrations began. I am constantly denied access and blocked. I have never once successfully accessed my account with the new system. It has been two months!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a5d0feeca1a443d9ab63b192f19bfa81
encoding: FLOAT32
metadata:
{"chroma:document": "Trying to review my Mastercard statement and stating site upgrade and will not let me log in. Wants credit card # plus CVC #. NOT comfortable giving this without being logged into my account... Fishy???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have read most of the reviews and I am experiencing the same problems. Since the website upgrade, MINT has stopped working and I have not been able to login to the website. Every time I login it says \"your account is blocked\". I have called in 6 times so far and they keep telling me it will be fixed in a few hours. It's now been close to 2 months now. They clearly have no intention of fixing the issue. I even went on Twitter to see if I could get help and I got the same robot response. I have been a loyal customer for over 10 years and I am getting no help whatsoever. The website change has been the worst decision they have ever made. I will be sadly changing credit cards in the next week since they clearly have no eta on a fix. Good riddance PC Mastercard!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 694c2c1c45a041a593e51e7619ea0a33
encoding: FLOAT32
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{"chroma:document": "For the past 3 weeks have been trying to access my account online and have spoken to at least 4 phone contacts to no avail. Bottom line you will have to use paper statements??? Have wasted many hours of my life trying to resolve this. Will not connect me to someone who will do something. No one on a higher level ever available. They did call me at 3.30 in the morning. Did they really expect me to answer at this time? Need to get rid of my card. It's of no use when online banking is no longer available AND NO SUPPORT AVAILABLE. Unbelievable. Where is Galen now?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1db9f14fbd1d4042be45715aa9c05afa
encoding: FLOAT32
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{"chroma:document": "After changing my password, I was locked out of my account and then denied access altogether. I've called PC Financial 3 times over the last two days, and it's clear they have no idea how to fix the situation. I see from other reviews that this is linked to the recent re-vamp of the website, but PC Financial gave no indication of this and even suggested at first that it was a problem with my browser or Internet provider (I've since tried four browsers, two Internet providers, two computers and one smartphone). It's clear that they don't know what's wrong or how to fix it - they're just buying time by saying it will be fixed in an hour, then a day, then 3 days, etc. I will terminate this card if this isn't fixed soon, as this suggests to me that they don't know what they're doing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f61d45ac585a4339b5270ed69cc96976
encoding: FLOAT32
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{"chroma:document": "I've spent weeks trying to figure out how to download transactions from my PC MasterCard to Quicken. It never occurred to me that they would take the functionality away!!! Or why don't they have a note in their FAQ telling us that the functionality is gone instead of making me look for it! Why would they do that? Now I will have to switch CC's as I refuse to enter transactions manually. Not impressed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f60782d0176747e7b23d825213b01fda
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{"chroma:document": "I have always been able to go online and determine my points and my expenditures. Then it was decided to increase the security. I can no longer access my account and despite numerous calls to PC Financial, I have had no success. No one at the phone number on my card can assist me and it is now two months since I could check my status online. What good is increased security if it stops all access to my knowing the details of my account? I am totally unimpressed and irritated. Why can I not be assisted by the person who is responding for PC Financial MasterCard? This is a ridiculous way to increase your PR!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f63a7545d5604e26858eeaf132803182
encoding: FLOAT32
metadata:
{"chroma:document": "Best prices on gas at superstore by far with the PC discount and I rack up points so fast I can\u2019t fathom it some days for groceries. You get entire buggies of groceries for free! No fee card makes it even better. I have had other credit cards and never felt like I got anywhere with them. I think you would be hard pressed to any other card that can compete. I had the Scotiabank with the 4% back on select purchase and I never earned any money back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd3f23549af34cf583e30ad0c7388792
encoding: FLOAT32
metadata:
{"chroma:document": "I was a member with PC Financial for years. I decided that I had too many CC and decided to close out my PC Mastercard. I called in and they verified the amount that I owed and paid them in full then closed my account. This was more than 3 years ago. Now I have applied for credit only to learn that there is an \"R9\" on my credit report. I contacted TransUnion to find out why. They told me that I had a \"write off\", I was shocked because I know I am very diligent when it comes to my name going to creditors. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aceb5cc3410f4af0894822f143878189
encoding: FLOAT32
metadata:
{"chroma:document": "I am a victim of their website upgrade. The statement alerts used to be very reliable but no longer true. For some reason I didn\u2019t receive an alert in November and so I missed a payment! I have never missed a payment before. That not only costs me interests but also have negative impact on my credit rating! Crying\u2026"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd4f425502084075b3952c14496cc698
encoding: FLOAT32
metadata:
{"chroma:document": "Long time user of PC Financial Mastercard. The new website is unattainable. Repeatedly asks for Verification Code. Takes forever if at all to log in. Called Customer Service. Says to wait 24-48 hours, and still cannot log in. If we cannot get the help from the phone where else then? Who can help us. There is no transparency with this process. Something must be done!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad5a529e48ec4e1fa5fc0f2f90062a37
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a very satisfied PC Mastercard customer for many years. The old website was easily viewed and the ability to download my transactions to MINT was a must to enable budgeting. Since the new web site was implemented early in November I have been unable to download any of my transactions and have to do it manually. The new site looks like it was designed for a kindergarten class. I need to scroll through many pages just to see my transactions during the month. Nor do I need the HUGE print that has been set up. In a nutshell, once I have used my points and this billing period is completed, I am moving to another Mastercard provider who can provide a user friendly web site. In our household we use web sites to different financial institutions, all of which sites are user friendly, easy to access and easy to navigate. PC site is absolutely the worst."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 663b196a28ea44a3b23253b6c0d6ecfa
encoding: FLOAT32
metadata:
{"chroma:document": "I received my new card on Nov 16th. Since then, I am trying to sign up for the account online. The website is not able to verify my information to create an account. Contacting customer care is just a waste of time. I talked to 4 agents over the phone and 2 on email over different periods of time. They kept mentioning the new platform does not have my information uploaded yet. No timeframe for problem resolution known. IT department is working on it. It is really frustrating. They should have figured out their system functionality before implementing it. Ridiculous! PC Financial should be reported to the Better Business Bureau for their negligence in customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f8ef402830d44d9854996d27116c686
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a PC MasterCard customer since its inception... Now, I cannot view my online account. I have phoned their account helpline on four occasions and was told by four different helpline employees that they can surely fix the problem... They all failed to do so. I have paid off my account and will stop charging until this situation is corrected. If it is not corrected in the near future I will cancel my card. I have tried on three different occasions to email a complaint on their site without success as their email complaint sites seem to be blocked also. I am adding my name and email address to this review on the 'Off chance\" that a PC employee will read it and pass it on to the PC IT department or to his supervisor. Thank you for the opportunity."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e7d343f1ee7a4fa7b0aada3a23666d39
encoding: FLOAT32
metadata:
{"chroma:document": "President's Choice Financial recently made major changes to their Master Card website. The former website was adequately clear, well laid out and functioned as expected. The new site is very poorly laid out, does not have a balance coinciding with Transactions, has links that do not work, one can no longer can download Quicken files and the site often contains inaccurate information. Customer Service claims that customers asked for this new website, but there appears to be nothing to back up this claim, and I have seen only complaints about it. They claim to be listening to consumer concerns about the new site, but do not appear to be willing to do anything about the concerns. Very disappointed with what was very good product in the past."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d94e5c1d0bb416281a87d836c4a1c0b
encoding: FLOAT32
metadata:
{"chroma:document": "The new website looks really good. It is also really useless. Take forever to load the statements. Waste my time. Why fix something that is not broken. Got too much money in their hands. What the hell are these guys doing?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f13a794e39f1450cb1df8dba63a69efd
encoding: FLOAT32
metadata:
{"chroma:document": "President's Choice has recently updated its login security system for the PC Mastercard. I have tried and tried and it will not let me in. I log in and it asks for security verification, confirms I'm an existing customer and tells me to log in. I go around and around achieving nothing. Now I am having to call for info."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8fc6b1485d354a40b6d95ffc26d59053
encoding: FLOAT32
metadata:
{"chroma:document": "Cannot log in from last 3 weeks. Since PC financial has changed their website look, I am not able to login to my credit card account and it is very frustrating that every time you call the helpdesk they ask you to try login after 24 to 48 hours. I got same response 4 times and guess what every time I got the same error saying \"You need to be Customer to log in\", I am like really? Does not seems the IT team has performed proper testing before deploying this new front end changes. At least give us a ETA/timeline by when it will be fixed so that we don't waste our time in trying. I don't think they value others' time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f01cd3b12b145fa8ec25772ed371b26
encoding: FLOAT32
metadata:
{"chroma:document": "PC Financial MasterCard just \"updated\" their website. I cannot find anything better about it. You can only view a few transactions at a time, which is time consuming to see all your transactions. But the biggest problem is that you are no longer able to download transactions into Quicken. This is a dealbreaker. I have to have that option. If not, I will look for a new MasterCard provider that can download Quicken transactions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 289f9bc779544a78a69b5b471a46340e
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying since the web revision began to get into my account. To begin with I cannot get in because I need a new password. I am locked out and in the end I get an \"Oops it's our fault\" message. Reports have been sent regularly to an IT specialist but nothing is ever done to correct my problem. I am very frustrated and will take my business elsewhere after 'they' have corrected my problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca7fcc8e051c404baf58cfbce785ca30
encoding: FLOAT32
metadata:
{"chroma:document": "It was a mistake choosing this brand. I have been unable to sign in to check my balance and confirm my transactions for over a month. When I call the customer service representative says I am giving wrong answers and will not verify me. IT department is looking into the online banking issue and still no resolution! I am paying off and closing this card this month!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01fd45de91e34c44a08403946c3bee33
encoding: FLOAT32
metadata:
{"chroma:document": "I'm sick and tired of trying to log in and being directed to a \"an extra layer of security\" - so secure, I can't get past it. After waiting and waiting to receive the security code, it won't let me past it - there's no place to enter the code - so you're caught in a never-ending loop. Trying to get through on the phone is equally frustrating. When I finally got through and I was assured that the problem would not happen again, i.e. I would not be asked for a security code again, here I am back at square one, with no access to the site. After my one peek at the new account page, I am not impressed. Other viewers who compare it to a kindergarten program are correct. This is an insult to cardholders and this site needs to be dumped and reverted to the original. Talk about an experiment gone wrong - this is a lesson on \"if it works, don't change it.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9917b4f694d8445f8066d9ece6c04858
encoding: FLOAT32
metadata:
{"chroma:document": "With the new PC website upgrade, Mint can no longer download my transactions completed on my Mastercard. While I do enjoy the Mastercard PC Point awards, the lack of ability to transfer my transactions to my expense tracking software is more than enough to push me to another credit card. I will give it a few more weeks. The extra headache of this is enough to turn me to another company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1fc5f5315c514209a8e12e8ca896b11d
encoding: FLOAT32
metadata:
{"chroma:document": "With no reason given, the updated website no longer allows downloads to Quicken. Very frustrating, since I have used Quicken with PC MasterCard for years! I was informed that there are no plans currently to reinstate this capability. Why leave customers in the lurch like this? This is not progress. This is a recipe for losing customers. The website layout is very user unfriendly. If this continues, I will switch to another credit card that allows users to download to Quicken. Any suggestions, anyone?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 853c885e9a9f43519e279563632e4137
encoding: FLOAT32
metadata:
{"chroma:document": "One star for removing the feature that allows Quicken Canada users to download QFX files. All reputable credit card providers allows data to be downloaded in either QFX or QIF. Being able to download in CSV requires a loose conversion that most Quicken users cannot do on their own. Mis\u00e8re!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0799d0d92eb245b1a4c459dd0a44a78a
encoding: FLOAT32
metadata:
{"chroma:document": "The old website is 100% better than this new site. The display is horrible. I agree with someone saying it\u2019s for kids. You cannot download transactions to any software as previously was possible. It\u2019s even not possible to log in on Mint software anymore. What have you done to this site. I and my family members have decided to change credit cards to a different bank that downloads transaction to software and make life easier. If no improvement in the site, plan to cancel the credit card. Thanks Peter."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4937d69bf1554c33abed647914c52f39
encoding: FLOAT32
metadata:
{"chroma:document": "I recently went through the pain... er, meant to say process of \"verifying\" my info to access the new website... Don't know where to begin. I've been in the Web industry for the past 20 years. This is rather bad to say the least! Firstly the communication about the change was handled rather poorly. Secondly, they could have had a sneak preview or something running in parallel to the old site, in order to unobtrusively solicit real-users' feedback re: the new site."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10613505d9144113ad7081aa5e7a8cf1
encoding: FLOAT32
metadata:
{"chroma:document": "Not only that the newly launched PC Mastercard website is full of bugs, unable to log in, unable to reset password, but also more important it is designed for kindergarten kids, not for credit card users! With giant pictures, huge logos in front of each transaction. Sure it is fun to look for 2 seconds, but it is very useless. Those giant logos make each page only be able to display 5 transactions or so. It is such a pain if you have to browse through your 80 transactions per month. The \"Dashboard\" now does not provide any useful information like the old website, instead it displays a few bars here and there with no meaning to anyone. I totally agree that whoever approved this new website should be fired! It totally ruined PC Mastercard customers' online experience. With the many banking institutions website I have been visiting, this is the WORST, far far far behind everyone else."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c724dbe8d5eb4625b2b86c9bf6895d3b
encoding: FLOAT32
metadata:
{"chroma:document": "This is just to add my voice to the others who are as appalled as I at the removal of functionality that all other institutions and credit cards that I use provide. I agree with the person who said that whoever approved this \"upgrade\" to the website should be fired. It appears that PC Financial is trying to win back the online banking customers that switched to Simplii when the split happened. Hint to management: You don't do that by pissing off your existing customers. Now you not only will not get my banking business, but you've lost my credit card business as well. I've been a PC Financial customer since almost the beginning. I'm feeling really sad to see what was a really good financial institution destroy itself. Really sad."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1a1eb4b357bd4c41b04cfe7b0aa98aba
encoding: FLOAT32
metadata:
{"chroma:document": "This new redesigned webpage of PC Financial is a real \"piece of work\". Transaction are spread so wide on page that you can only see three of them at the time. To print the certain period time of transactions you need pages and pages of paper. Before I could have about 20 transactions printed on one page, now I need 7-8 pages of paper to print the same amount. Was somebody tried to re-invent the wheel? Everything was working perfectly on the old layout design."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1923ab40f1f6497b8ea589baf834b63a
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{"chroma:document": "Received a new President's Choice CC about 2 weeks ago. Can't set up a login to my account because security procedures are so complicated that their own system keeps failing. Have been trying for 2 weeks to link my PC Optimum points to my PC Mastercard (which appears to be a very simple process) but their system won't process the request. Consequently I don't use the card unless I'm in a Loblaw's facility. I'm not sure what President's Choice Mastercard thinks is so valuable inside their site to demand such a ridiculous level of security but it's got their customers and their helpline people living in total frustration."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f7b9aabf114d4ee5b989039b9c6a1bbb
encoding: FLOAT32
metadata:
{"chroma:document": "When we examined out PC points on a receipt by receipt basis we found far too many errors. Example: Incorrect dollar amounts shown. Sometimes points awarded, sometimes points ignored. Hard to understand the logic of points calculations. Spent 3 (yes 3) hours on phone to guys in Philippines who were extremely helpful but they could not explain the logic of some points awarded. Therefore no faith in Loblaw's system. They are a big boys and thus should have a simple trustworthy system for all customers to follow. Even a our Canadian banks can manage that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 215fcc83135e4618a5cdc0c80c416b25
encoding: FLOAT32
metadata:
{"chroma:document": "I recently tried to log into the new PC Financial website and the experience was so bad that I cancelled our PC Mastercard. I tried logging in when the site told me I would have to go through a 'verification' process. This ended up with me being caught in a loop. I would input the necessary information and no sooner had I changed my password, it was prompting me to go through the verification process all over again! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4499119431e4b8dbdeea516dd770303
encoding: FLOAT32
metadata:
{"chroma:document": "The old website supported Quicken since the very beginning. Now with no notice they re-designed the website and dropped this support. Just about every other credit card supports this download. I will be moving to a different company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80f42f0277aa4e6bb76c4ca3d0a3a325
encoding: FLOAT32
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{"chroma:document": "President's Choice Financial Mastercard (PC Mastercard) website upgrade is an abuse of customers. Recently PC Mastercard upgraded its website and in advance of this, there was no advance notice given its customers! The upgrade also required users to re-register and change their password. How rude! Multitudes of people were locked out of their accounts because of a snail like refresh rate to password change into their system. I attempted to change my password four times and locked myself out because of the slow refresh rate. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 073b6a41beb743cb9e4acaad4cc97d8f
encoding: FLOAT32
metadata:
{"chroma:document": "PC MasterCard reduced my credit limit four times in four months as I paid off the balance. Due to this my utilization ratio did not improve and my credit score did not regain much and I became ineligible for good credits. I had utilized 95% of my PC credit card for two months as I need money, and this resulted in my credit score falling by more than 200 points. Since then I paid off most of my balance in PC credit card, and they reduced my credit limit to the amount I paid off straight for four months. Now I have balance of about 700, and my limit is reduced to 1000. I had about 4900 balance last month, my credit limit was 5300. I had around 5800 balance two months ago and my credit limit was reduced to 6300. Three months ago my balance was 6800, my credit limit was reduced to 7100... Due to this my credit score has not improved as my utilization remained high."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 517310f722514d4b88103ac53dc591c9
encoding: FLOAT32
metadata:
{"chroma:document": "I have been using this credit card for many, many years. I love its benefits (the points), but I find that I cannot trust it fully. When I receive my monthly statement, I receive it twice - once at about the 18th and the same on the 30th or so. The first time, I ended up paying this bill twice. Now I am wiser. Secondly, I have NOT received my monthly electronic statement this month, which I usually receive on the 18th. It is now the 23rd. And I have spent a lot these past few weeks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 268ea73c9b3f466493289de5417091ed
encoding: FLOAT32
metadata:
{"chroma:document": "Applied for the President Choice Mastercard. Received it. Tried to use it the first time and it was immediately blocked. Spent several weeks sending them proof of who I was. Sent valid government ID and tax notifications. Then followed up each time with phone calls. Was told they would get back to me but they never did. I followed up and they said they couldn't see the documents clearly. Resent the documents. The images were very clear (they were the first time too). Didn't hear back again. I called to follow up and this time, they said they never received them. I cancelled the card. This company is incompetent and not professional. They don't even deserve the 1 star rating. STAY AWAY! NOT WORTH THE HEADACHES."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c3de7ae4c7c4b0d9660695a8c8f677a
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metadata:
{"chroma:document": "I have been happily using the President's Choice Mastercard since its inception. However, the accounting program I use requires a Quicken file, which the new President's Choice Mastercard website does not support. In order to create a file that was acceptable, I had to download the .csv file and add the required columns in the correct order to make it meet the needs of my program. I then saved it as a .csv (comma delimited) file and was eventually able to import the data. This is very messy, time consuming, inconvenient and prone to error. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 539a297929654b91a256d28a610411a8
encoding: FLOAT32
metadata:
{"chroma:document": "I have been using PC Financial Mastercard for years and track my finances with Quicken. I recently went to download my transactions and found a total new website that did not allow for the service I have been getting for years. No one had informed us of this change and now I have 3 months of transactions I will have to enter manually. Talked to customer service and those guys have not a clue. They are reading everything from a script and when I explained what I needed he said that was beyond his scope and he would go check - He came back to tell me that service no longer exists. Needless to say I am moving on to another credit card that actually works."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b66db3250f7d477598ff85a1698cc622
encoding: FLOAT32
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{"chroma:document": "The new PC online website is terrible. What happened to my transactions. I can only see 4 at a time spread across my screen. Drop down menus are obscured by a big red line. This is probably the worst upgrade by a financial institution I have ever experienced. It is more of a ridiculous downgrade."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5326e7d9fec14c3e9fb0d18710eb6f9e
encoding: FLOAT32
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{"chroma:document": "I signed into the PC Financial website to find it had been revamped. Took a while to work out what was where. There certainly seemed to be a whole lot of PC selling and PC promotion than with the original. Why my rating? I use Quicken and download my transactions into same. I could not see the option so contacted support only to find this capability HAS BEEN REMOVED. They offered a work around using CSV files but QUICKEN only imports CSV for price updates. Clearly they have no clue. Who ever allowed this to be released should be fired."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6bd0f0faed3347698ac171e37b2d9eb6
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{"chroma:document": "Tried numerous times to set up pre-authorized debit for PC Financial MasterCard and I can't recall ever dealing with a more useless organization. Constant runaround every time I called, they can't even handle simple banking info properly, and most likely nobody there even cares. If you are lucky enough to read these reviews before getting a PC MasterCard, look elsewhere for your credit card needs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c63c205c558d43c1b9f571a1fda7f159
encoding: FLOAT32
metadata:
{"chroma:document": "I am stuck in Spain with my card canceled due to a decline of my card for a 10$ purchase. President's Choice has canceled it and even after numerous calls and proof of who I am will not reinstate card. Even though no fraudulent activity and card paid off in full before leaving they want me to call from home phone # when I return as they must process through numerous channels. Card is needed here and now. They were notified before I left off where I am. No fraud etc. was tried only a company that did not process a transaction correctly. Hours have been spent attempting to correct a minor issue. BEWARE OF THIS INCOMPETENT COMPANY. They are only rated as one star as I must rate but are a zero."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 552dd3f5f40c492889ba422f1aed17f7
encoding: FLOAT32
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{"chroma:document": "I applied for this card when someone who worked for them asked me at Shoppers. They sent the card to the wrong address twice. They called me to let me know the card had been returned to them the first time but didn't bother the second. When I called them to ask what had happened to the card, they basically said, \"oh yeah, it came back. Guess we should have called.\" When they finally got my address right, they sent me the card but then needed additional documents to verify the address. I sent them the documents, and surprise surprise, I heard nothing back. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db69aea897b04835af17e42b993f99f9
encoding: FLOAT32
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{"chroma:document": "I got this credit card to get extra PC points. So far it's worked. I just buy little things like gas and groceries on it. Only have a $1000 limit and it hasn't been a problem. However, somehow last month I underpaid my card by $1.50 and didn't notice. I'd been noticing that my credit card wouldn't work when I went to buy stuff but never called because I didn't have time. Now, when I'm paying this month's bill I noticed that I underpaid by $1.50 so that's probably why I was declined. Seems pretty fickle as this hasn't happened with a BMO cc. Having now read everyone else's review I will be careful if they offer to expand my cc limit, too. Otherwise I have appreciated racking up the points with this card. Paid for my groceries on a road trip just as I had planned. :)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8407bfdb07fa4822a19377647afad2a3
encoding: FLOAT32
metadata:
{"chroma:document": "I have had the card for almost a year, started with 5000 limit. I max it out every month between everyday purchases, groceries and all bill payments. I pay it off in full every month as soon as the statement comes out, no interest, no fees, just lots of points. I do not pay to bank and this card gives me that same option. I operate a small distribution business and use 140L of fuel every day 6 times per week, to which I charge to this card. If you are smart with your finances and only spend what you can pay off at months-end this card cost you zero dollars and can you can accumulate a lot of points. FAST."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ba70c715c774a7ca0fb8b692188988e
encoding: FLOAT32
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{"chroma:document": "PC Financial automatically closed my account without any notice, warning or letter of closure after being with them for over 3 years with an account in great standing. The only way I found out it was closed was when I called in to see why the card was declined during a $1 purchase. After being bounced around from useless representative to representative, I learned that they had in fact chosen to cancel my account over a month ago without reaching out to me. In the time from it being closed by PC Financial, there was paperwork or notice sent out to me and the card I had in hand was still \"valid\" through XY month this year. Are you kidding me? Never will be with these jokers again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c05fa34bf4094d99a762eda3a13468ee
encoding: FLOAT32
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{"chroma:document": "I am registering a sincere complaint based on my experience this evening with the PC Financial Customer Service Department. I was just disconnected after two hours of being kept on hold and being transferred between departments and nauseam. This happened a total of five times. That's five transfers between departments, five times explaining my simple request - only to be told I needed to be transferred yet again, and to be put yet again on hold. As of right now, I still have not had my question answered, nor my financial request resolved. My family and I have been loyal customers of PC Financial for over two decades, through numerous Credit Lines, Credit Cards, Chequing and Savings Accounts. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 00e34388dbe144fbb2e59296a9dea146
encoding: FLOAT32
metadata:
{"chroma:document": "Put almost 3000 dollars onto our card, (4 months of grocery money), after receiving our student loan. Checked 3 days later, and they had reduced our credit limit by... $3000! We now have no money to eat for the next four months, despite 8 years of perfect payment history. Thanks PC Financial for threatening our families' livelihood."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54c3254c947045c1ba6a1a9cc93ba748
encoding: FLOAT32
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{"chroma:document": "In July I was accosted in Shoppers Drug Mart by PC rep who took my DL info. 30 days later I received & activated my card with $10000 limit. Requested a balance transfer. Told 3-5 days. A week later, card is BLOCKED. No explanation. Then told they couldn't confirm my identity. Want all kinds of personal id faxed to some number (could be INDIA for all I know). Then told they do not keep records of application or DL info from the PC rep at Shoppers Drug Mart. What kind of company mails out cards with $10000 limits and does a credit check only AFTER the customer tries to make a purchase and BLOCKS the card they just activated with a rep on the phone...exactly! So I cancelled the card. PC Financial is incompetent, a scam or both."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f28a0f6f7e594fe2b9243bced8ae0edd
encoding: FLOAT32
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{"chroma:document": "I got my MasterCard recently approved for $8000. I spent 1200 the first day, not thinking anything of it. I figured I spend some of it and then pay it back before month end to build my credit. On the 2nd day my CC was declined. When I called them they told me there is a hold on the credit card and I have to pay $600 right away to get the hold removed. They couldn't even wait until month end for the payment. That didn't make sense. The rep. said they were afraid I will spend everything and not pay back. So I asked, then why didn't they just approve me for $1500 and we wouldn't have this problem. Even when I make a payment, now if I ever use it again, I will be thinking will it go through or not. I never had this problem with any other CC before. Would not recommend it to anybody!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c4a17d4b5844ce69b93e52812c16fd5
encoding: FLOAT32
metadata:
{"chroma:document": "I was offered PC MasterCard couple of years ago, was given $10000.00 limit on the card, at some point this years I asked to have convenient cheque to pay for renovation in my house, suddenly PC blocked my account for no reason!!! Then when I called they said we need proof of residence and driver's license. I told you could call me and explain why the block. They said they did call, I asked what number, apparently they were lying they had no number to call. After numerous calls again they stated my card, yesterday again this time reduced my credit limit by 7500 dollars, again no reason, truly garbage credit card and extremely bad customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8971a2e525d491a80bf0831a8e0a782
encoding: FLOAT32
metadata:
{"chroma:document": "This company offers you a credit card and then cancels it for no reason. Even when your payments are current and not at limit? Poor customer service when asking for explanations. Feel like it's a money grab for their company. They approve everyone then cancel the cards and ensure you pay the entire balance off before you are allowed to apply again. Pretty good way to increase their company face value. Gets the financial world thinking everyone is moving to PC Financial. They should be worried about their back end and retention from the fall out of cancelled cards. May not catch up to them today...but it will. Watch your PC Products. They won't be on top for long, not after this type of discredit starts surfacing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d91950452144beaac69b8ead4112863
encoding: FLOAT32
metadata:
{"chroma:document": "Due to unforeseen circumstances such as a car accident and job loss, PC Financial CHOSE to cancel my Mastercard even though I paid the balance owing in full. I have no problem admitting that I was late a few times with payments and went over my credit limit due to the car accident insurance deductible, I feel strongly that I should have been given credit for paying the balance in full of $810. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4df4fd203979431dafaa4cce5a87222a
encoding: FLOAT32
metadata:
{"chroma:document": "I have my PC MasterCard since 2017 with no issue then one day in April 2018 I discovered that my credit limit had been decreased from $2000 to $1600. Called the customer service and I was told that I had 3 overlimits for the past 2 months. Why they decreased my limit which I don\u2019t see on my statements. So, in May 2018, I started paying twice a month totaling $550 and June 5 I paid $600 to avoid overlimit as they claim. At the end of the day I let it go and moved on. Then today, June 24, 2018, PC Financial reduced my limit again from $1600 to $1100 even though I had not defaulted on my payment obligations."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 480ca276e4e1499593739aafffa01c8b
encoding: FLOAT32
metadata:
{"chroma:document": "I have had months of fraudulent charges on my card. I tried to cancel so the charges would stop. They told me this would do nothing. I opened up a dispute, followed everything they said, and provided proof and they still said I lost the dispute. The customer service is a joke. Every rep didn't seem to know what they are doing. They did barely anything to help. They are one of the worst banks I've ever dealt with. Avoid them at all costs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5388c953afc04a6c9867d93654438635
encoding: FLOAT32
metadata:
{"chroma:document": "This company is a joke. I have always been a good paymaster with all my credit cards but never encounter such BS and hassle for having this credit card. I had gotten a supplemental card for my son for emergency usage. Yes he used it and forgot to tell me about it. This happened in July of 2017 hence since I did not know about it and had not received any statements or calls from PC Financial therefore had no idea I had owed them any money. By the way it was $65.55. Only last month I was using their card for making a purchase and was declined. I could not log in my online account and finally called their customer service. They reassured me no problem, after making payment everything will be taken care of. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46adf793cb764118bf30b98059ab4218
encoding: FLOAT32
metadata:
{"chroma:document": "Have to say that of all the banks I've ever applied for credit this is easily the worst and most tedious in which to obtain anything. If you've recently moved or less than a year at your current address you can expect these guys to demand all sorts of documentation from utility bills to personal cheques for $1 to CRA income statements and besides the cheque, they insist on 'original' documents as if they were the passport office."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97b6be75d345491c9b818276973c1de0
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been a customer for quite some time and have always paid on time. Recently one of my dogs got really sick and had to pay higher bills than normal and got me behind in payments. Called customer services a couple of months ago to let them know and the guy said not to worry when I explained the situation and the reason I was behind. Since then I\u2019ve been getting nonstop calls from them and even though I explain again and again the situation and they agreed to stop the calls I keep getting a call a day."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 76196e412a7a40008e1139ca229aad63
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{"chroma:document": "We are two seniors enjoying a winter in a beautiful Mexican town called Guanajuato. We like to put our groceries on our credit card but imagine our shock when our President's Choice Mastercard was returned to us with a \"declined\" message. I called the customer service line and was told that our account had been cancelled because they had sent out new cards in November and they had never been activated. But I had called customer service while we were still in Canada and told them that I was not going to activate the cards until we got back in March because I had pending reservations on my current card. She said that was fine. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2cc0b46327b84843bda605ec997307ae
encoding: FLOAT32
metadata:
{"chroma:document": "After being a loyal customer for 2 years they closed my account for no reason and this happened 2 days before the Christmas. I was never late for any payments. They basically tricked me saying send us your Identification and a statement copy then they closed my account. Anyone who has an account with PC Financial, don't trust them as they can let you down when you need them and my advice to you, never send anyone any documents as it's just a trap, just like what happened to me. They closed my account after they got the Documents. I would never deal with them ever again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24fd4adaddcd4cc18b6d2d3767948e26
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{"chroma:document": "I'm having a major issue with PC Financial, and I'm thinking it must be because of their recent change in ownership. I've been a customer of theirs since 2000 and haven't ever had this problem. I expect my mortgage payment to be paid by them every 2 weeks always on Friday night. On Saturday it didn't get paid, so I put a bit more money in my account. On Monday night I put in some more money to pay a credit card bill, and realized I put in too much, so I selected the option on the ATM to withdraw a bit. The ATM told me that I didn't have an account to withdraw money. I figured that the computer might be in software upgrade mode due to CIBC taking over PC Financial and went home."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5901d8c553f44c00be2dacae7694c884
encoding: FLOAT32
metadata:
{"chroma:document": "This card is horrible. I can't withdraw money under 1000 dollars and I paid my bill. I checked the next day and the payment went from 321.74 to 374.74. They also stated to me that I would have 349.50 for my available balance when the payment came through. I got 258 dollars and my remaining balance was 114 dollars. I don't recommend anyone for this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c9fab7f121f4fd996609ea1bfe48721
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{"chroma:document": "PC Financial, I am appalled for the third time this year at how you have been handling my money. I have been trying to rebuild my house that burnt down in a wild fire and all your company has done is put up road blocks, shown constant incompetence and treated me without respect. We are about to move into our rebuild in three weeks and again I have to chase down your senior investigator to do her job and escalate it to the supervisor when she does not respond to me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3bd624b5a9642388381a089c89878a2
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{"chroma:document": "I applied to renew my mortgage In April 2017. After providing all the documents outlined President's Choice demanded that I provide them with a letter indicating that I was no longer on probation at my employment. My employer stated that current pay stub was prove of continuous employment. I have banked with PC since 2004 and have their Optimum MasterCard so they know my financial history and for them to use such a trivial reason. I am parting ways, I have nothing to fear, I will still get a mortgage elsewhere because I have a job and an excellent credit. Bye."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2432f8e50848467da8322c84f4921070
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{"chroma:document": "I never wanted a PC MasterCard but got convinced by one of their salespeople in the store to get one. As we do quite a bit of shopping at Fortinos and were told that this would help us earn points towards groceries faster, I signed up. Had the card for a few years with no issue then one day I discovered that my credit limit had been decreased. I called the customer service and was told that something must have negatively affected my credit score which would have caused the decrease in the credit limit. I am a monthly subscriber of Equifax so knew right away that the reason they gave me was a lie and when I told them as much I was told that in any event, the terms of the credit card allow PC Financial to reduce the credit limit for no reason at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 586ac046eef44a2db10a9e57ee08c536
encoding: FLOAT32
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{"chroma:document": "They are not easy to deal with at all, it is the most difficult financial institution. I cancelled my Mastercard with them a while back and I am not cancelling my wife's as well. For having a credit card that does not have any annual fee, customers does not deserve the kinda treatment that they give. I thought Scotiabank was bad, but these guys are worst."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53360cc3a7064f9cae61a1e933740d1d
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{"chroma:document": "The tactics of this bank are truly beyond words. I thought I would switch over to PC from a much larger bank which charges fees. After selling my house, I deposited a certified cheque from my lawyer on the 27th of the month. Believing a certified cheque is the same as cash I wrote a cheque for some plumbing work shortly after that, which bounced. After calling repeatedly, and trying every approach from anger, to pleading with them because my family had no furniture to sit on (we sold most of our furniture with the previous house), I was met with nothing but apathy and rudeness. I have NEVER, EVER been treated so poorly by a company in my life. They truly do not care at all about your business. They are rude and unconcerned about anything you say. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e2ffaaecbc643efa529f3f572256966
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{"chroma:document": "Worst experience ever with PC Financial Master Card. I called this morning to help my dad reset his PIN. At the beginning of the call, I advised the lady that I'm the primary card holder and my dad doesn't speak English well, so I'm going to put him on speak phone and help to translate. The lady asked my dad his name, date of birth, the phone number associated with the account, and how old is he as of today, and my dad answer all of them in ENGLISH. And then she asked my dad the email address on the account and if he's working. I told her that I'm the primary account holder and that's my email address; then I said again my dad doesn't speak English very well and she has already asked him 4 security questions and he answered all of them in ENGLISH. The lady asked me to write down the email address and have my dad repeat that information. Excuse me?? That's how PC Financial authorize their client????"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2752e20450c44303a5b445e1577ce43a
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{"chroma:document": "My monthly payments from Metro Toronto social services was debited on April 28, 2017 on Friday in my checking account of PC Financial. As the office knows that my mortgage and other payments to be made on every 1st of the month and the bank released the amount on 2nd May 2017 without caring. Even after calling and spoke to one of the supervisor that my mortgage payment and some of my other payments has to be made on every 1st day of the month I went through a mental trauma after realising their insensitivity and carelessness towards customer that even after calling and pleading they did not cared and released the amount in my account only on 2nd May 2017."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b4f379055b6496caaee96fe159af1c9
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{"chroma:document": "We have tried to get a line of credit through this bank thinking that the no fee bank account along with free groceries would be a good idea! NOT the case! They have no idea what they are doing! Are very disorganised! And the sales people we talk to are clueless. I rather pay for a bank that knows what the hell they are doing. Worst bank experience of my life!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 435d8ac5ea3242658db8899dba47cf11
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{"chroma:document": "The company was promoting membership sales at Loblaw's and I signed up for the mastercard. They did a credit search on the spot and gave me a $10k limit. Six months later I received a letter from them stating the limit was lowered to $500. This was clearly a \"con job\" to get me signed up for their product as my balance on the card for 90% of the 6 month period was $0. When I called to get it changed back they would not budge so I cancelled my card on the spot and I will never use another PC Financial product again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e831bfbe74fa49348beb80a44c9055e1
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{"chroma:document": "If you obtain a loan from PC Financial, keep a very close eye on your credit report and score. I had a small 5-year installment loan of $5000 that I paid off early. I then confirmed that the account had zero balance and was in the clear. A few months later, they updated Equifax to say that I have missed 3 payments and had an outstanding amount of $4.00 overdue for 90 days. That took about 150 points off my Equifax credit score. I know free banking is attractive, but for your financial security's sake - stay away from this firm. They conduct business in a fraudulent manner."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 52302371b4e24898b422c462db3d1117
encoding: FLOAT32
metadata:
{"chroma:document": "This credit company has been awesome to me so far with high credit amount. Their staff have literally gone the distance to help both me and my wife when we needed help. You guys are awesome. Great job."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5906683ad0e8433e9ad887187ad28d37
encoding: FLOAT32
metadata:
{"chroma:document": "Just say at this point, Credit One Bank is great. I had a bit of a problem when I first started the program but now everything is fine and I'm very satisfied with my service here. Thank you again C.O.B."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c18a472f536a45b5ba3965f892b8f0b0
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metadata:
{"chroma:document": "I applied for the card December 17th 2022, was approved on the 20th. Didn't get card until January 19th, but it was sent to me overnight, which I thought was nice. They also refunded me my annual fee because they were late sending my card. So overall I think they're very good and I would definitely recommend them. Thank you Credit One."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "I have been a customer of Credit One Bank credit card services for a year. I\u2019ve read reviews with Consumer Affairs and completely disagree with many others. Do as you\u2019ve agreed from the onset. I pay before the due date, have never had any issues and I\u2019ve never gone over the credit limit! It\u2019s that simple. It\u2019s highly recommended to take advantage of their credit protection program as well. In the time I\u2019ve had a Credit One credit card, I\u2019ve been offered a second card with a huge credit increase and a huge interest rate decrease. The mobile app is great! It\u2019s very simple to use to see your transactions, watch your balance or pay your bill. It\u2019s equally as simple to reach customer service by phone if needed. I\u2019ve called customer service twice in 1 year and there\u2019s never a wait time. They\u2019re extremely courteous and efficient! What more could one ask?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 86c51980e4aa4743a82855f4b5bbbd1e
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{"chroma:document": "There are many bad reviews, however, follow the rules and everything will be just great, high fees, what do you expect, you have bad credit, but if you pay it off every month no problem, the best way to make a payment is make payments through online banking, otherwise your payment will be held a few days to clear. Use it every month for small things and pay it off every month, that\u2019s how you will get ahead. Those that have bad reviews are those that are not working the system smart, after your credit get straight, close the account if you choose to and get a regular card. This card will work if you abide by the rules and stay ahead of the game."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34746d15b6d94e05a4ce4376738f29bf
encoding: FLOAT32
metadata:
{"chroma:document": "Twice I've gotten this card in a few years and they have dropped me because of excessive payments and saying 2 was returned yet it shows on their app it went through and my bank account paid the annual dues and all just to cancel on you. 1st time 9 hrs away from home no money and needed gas they cancel my card. The second I made a payment always before due and cancel me again. Screw this company. Please I know reviews can be 2 sided a lot but don't use this company. They are predatory lenders."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 26a4b550d3454a4db58ae05a152913ef
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for this card thinking it would be a good opportunity to build my credit. Instead they charged my account $75 the first month it was opened which is pretty steep. A few months later I had missed one payment by one day and they processed to call me 9+ times a day everyday. I found it to be intentionally irritating on their part. I also work night shift so it was disruptive to my sleep and work performance. I will never do or recommend anyone do business with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b630361ca92849038005d390e8d04e73
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{"chroma:document": "I've been in the process of paying my cards down. Never had an issue with this card at all. Went to use my card at work for it to be declined even though it had a balance of $300 in available credit and I was only spending $10.00. Well when looking I notice this card expired 6/23. Here it is 8/23. So I call on 8/15 and request a new card because I never received one. Make a payment on 8/24/23. Get notification saying my payment posted on 8/26/23. I log in to see what is available and what's left to pay, notice 2 charges on the account from a town 30+ minutes away. I call and report the fraud."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 054b8c11d4f7487f98a338eec4a03c41
encoding: FLOAT32
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{"chroma:document": "They tried to force me to pay for fraudulent charges even after they knew my card had been compromised. All the evidence showed fraudulent. They said they had evidence but couldn\u2019t produce it. No resolution. Had to cancel card, stop all payments and take credit hit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a81238c4dc0d45e4ac92486721cce8d4
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{"chroma:document": "For no reason, a security hold was placed on my card. I've tried to verify my ID using my DL and an IRS bill. My bill goes to my office, so I have no utilities there. They refuse to accept it. I get too frustrated trying to deal with their international based call centers. The people are unhelpful and rude. I've never been late. I pay my card early every month. I finally just paid it off (early again) and told the close it. I just don't want it out there. I'll go get a different card this week. One with less aggressive people in call centers where culture is not an obstacle."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 99733e3ed608413aaae8335af7e2a875
encoding: FLOAT32
metadata:
{"chroma:document": "Very bad experience. They should not be allowed to do business. Stay away from them. It is a fraud. I paid off my balance and closed my account but they are still charging me additional fees even my account is paid off and closed"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5321e497e5fa4956b71eed7d870f5c98
encoding: FLOAT32
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{"chroma:document": "I closed my account, because they refused to change my last name after a marriage. I closed my account in June 2023. Here we are 3 months later and I am still being charged. I called and closed account again and paid the $2.23 on account. A month later this amount went up to $3.05 and adding interest by the day. I did receive a check for a little over $2.00 because of overpayment. I utterly confused, as to how they can charge more money on a closed/paid account. Customer service is the worst I have had to deal with in my 30 years of adulthood. I do not recommend this predatory credit card company. Please do not open an account. They are thieves. I can't seem to rate a \"0\". That is my true rating. They don't deserve a \"1\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 40c733c268354c8aa7ff9632700cbd10
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{"chroma:document": "ATTENTION PEOPLE OF COLOR AND ALL WHO IDENTIFY AS HUMAN!!! This is the worst credit card company ever in the world and I think they are only here to pray on the poor and have not and to put ** people and people of color in way more of a disadvantage than they can find themself in. How can a bank not want to take your payment because you paid too many time in one month, and now they need to know how you get your money and need a full bank statement as if every ** person is selling drugs. It was not until I asked to closed this account and to make the final payment they were able to accept the payment. FYI They did not want me to pay that way because it lowers the interest and keep your balance low which helps MY credit. If you're ** or of ** decent or identify human do not bank with this fake ** knock off of Capital One and just go to Capital One."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 682ff556d8434a0ba08f402116f90268
encoding: FLOAT32
metadata:
{"chroma:document": "Worst experience of any card I\u2019ve ever held. I got billed $75 for the annual fee before I even got the card. Every time I used it my purchase got declined. Then I\u2019d have to sit on the phone with someone in India while they attempt to \u201cactivate\u201d my card all over again. How many times does a card need to be activated?! Incredibly frustrating. The balance was never correct and when I call it never adds up. They also verify you asking your name several times so you\u2019re just stuck repeating yourself over and over. This company is a joke. I had to ask them if they were stupid or something which is completely out of my element. 0/10 Wouldn\u2019t recommend."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 39fedb5efc9a4e988ebdf57b358dc7e7
encoding: FLOAT32
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{"chroma:document": "I didn't receive my first card, so I called them. They told me that I could still use that line of credit with the card #, and that they could activate it on their end. So they did, except they wouldn't give me my card #. Ok... So I wait for my second card to arrive 3 weeks later. When I get it, I can't even use it because they've already started charging me fees and I was overdue on paying them. When I explained that I was lied to about being able to use the first card, they said I was lying, even though I had never used my card. They refused to push back the due date of my bill. Literal interest/fee farmers. STAY AWAY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7db560a7e5ab41a1a445a9dd0ed1efdd
encoding: FLOAT32
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{"chroma:document": "Opened a new card with Credit One with a 500-dollar limit. They charged a 95-dollar fee and IMMEDIATELY locked the card. I\u2019ve been on call with them 14 times trying to get the card off the security hold. They keep telling me it\u2019s \u201cfor my protection\u201d. I was left stranded in my car in 100-degree heat because of the card being declined. Every call is a loop of how the card is fine and there\u2019s no reason for it to be declined- as there\u2019s 15 declines. \u201cOh just do a in-person transaction it\u2019s only blocking online\u201d, \u201cSign up for real time notifications\u201d, \u201cWait 24 hours\u201d I\u2019ve done it ALL. They told me there\u2019s nothing they can do and to just \u201cnot use the card\u201d. 95-dollar fee to not use the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b78801b0d616467694545d6eeabe2029
encoding: FLOAT32
metadata:
{"chroma:document": "I have never missed a payment and my account was in perfect standing. Until last month. Made my payment using a debit card we rarely use. My husband thought it was fraud and closed that card.. which kicked back my payment. I immediately corrected it with our bank and resubmitted my payment using my usual debit card. Credit One immediately closed my account and are sending it to the credit bureau as closed by creditor effective Sept 1... thus destroying my credit. I have been fighting them for weeks to fix this. I have spoken with multiple reps and supervisors. I was asked to upload a letter stating what happened with a request not to close my account, and a letter (payment verification form) from my bank stating my debit card was reissued and I am in good standing with the bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fbfd577ed5f04ab5a3c2df65c2d0678e
encoding: FLOAT32
metadata:
{"chroma:document": "I purchase a card with this bank, I submit all the documents they ask me but they still put a block on the card. After I they received the payment fees the bank closes the account with negative balance even I don\u2019t use the card and pay the money\u2026 don\u2019t trust this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ca4c0ee9047410da6bdab9a1b824684
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metadata:
{"chroma:document": "If I could leave 0 stars, that is what is deserved. I applied for a credit card, was approved and the card was mailed to me. The annual fee was charged and I paid it. No big deal. I tried using the card and it declined. I called customer service and they said I needed to provide additional documentation. Ok, so I did. Still card declined. Called a second time and they are requesting more documents. Really??? So not only can I not use the card, they want to keep my $75 annual fee!! This is a total scam!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a990fd8e1cf844a6b62c0b34c6d9a396
encoding: FLOAT32
metadata:
{"chroma:document": "There\u2019s of annual fees hidden in this card when you get it you don\u2019t notice it right away. If you\u2019re a day late with your payment, even if you call them to reconcile, you will be hit with the credit bureaus notification and drive your credit score. The interest rates are high. The rewards are so low. It\u2019s not even worth it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11ef824e560b476daf9ee6664e5078f3
encoding: FLOAT32
metadata:
{"chroma:document": "For the ones stating this is a great card and giving it 5 stars because they offered them a card when no one else would, I highly suggest waiting until you can get your score up enough to get a different credit card. I\u2019ve had the card since I was 18 and when I was 21 I tried to cancel. The representative I spoke with did not know English very well, and then his supervisor got on the phone. They offered me a higher credit line, less interest, anything to keep me. I said no and went through with the cancel. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6bfb6d02aed6409fabc5fff108e2f03a
encoding: FLOAT32
metadata:
{"chroma:document": "Beware of this company. Go to Capital One. This Credit One Bank is a joke. They offer cards but then won't release the card until you give them documenting like a electric bill? Your driver's license? And W2 form? All personal information that SHOULD NOT BE uploaded or sent in the mail. Stupid assessment. Why did you offer and send me the card in the first place if I wasn't good for it? I have over 700 credit score and I already have a card with Credit one bank. But they wanna offer me these additional cards but want more information? No thank you. You are the worst credit card companies to deal with besides First Premier Bank. Yep I'll deal with Capitol One bank from now on and Discover. Repeat: stay away from Credit one Bank!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0446dcb0a724ddbb55a91da2152967a
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{"chroma:document": "Ok so after going through a marriage where he wiped out bank account to a negative balance, and other financial misdeeds, it has been a struggle to rebuild financially. So I was excited I got approved here; alas the pain was just beginning. I discovered, after calling to find out where the card was, FIVE CALLS later I had been told to upload my details to their website. I was ok with all they asked except sending pics of my Social Security card, which is just an invitation for bad people to use it to commit identity theft, or access anything attached to it, say my disability check one big thing that comes to mind! I was absolutely incensed and wrote out a complaint to the government regulatory agency overseeing this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4c92cf9d2b148089c9b03f5b3b96424
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{"chroma:document": "3 stars because the cards help with my credit. I had 2 credit cards through Credit One Bank for 6 years. Good to rebuild credit. I started out with a $300 limit plus almost $100 yearly fee (broken down into monthly installments). I have canceled both. After six years of early payments, NO late payments my credit limits were $1750 & $2500. I HAD to pay to have my credit limits raised. I have 6 other credit cards with NO ANNUAL fees nor am I charged to raise my limits. I just had one raise my limit by $3000. So I don't understand why Credit One charges all those fees. When I called to cancel they offered me 6 months of no account fees ($5 a month) and $30 credit on my card. I guess they really don't care about their customers. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cfcd29814aed4afdb4c101cc0c016261
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metadata:
{"chroma:document": "Credit One Bank is illegally reporting a 30 days late payment when I have provided a bank statement showing successful payment was made. I want to formally report them to all bureaus as it refuses to correct it!!! I have tried countless times at filing disputes to no avail. They just say it's being reported correctly and they will not remove the bogus late payment on my credit report. I am being forced to close my account to make the late payment go away. I just wish they could do the right thing and lift a finger and delete the inaccurate late payment. At this point I definitely would say stay away from this company at all costs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d49f91d24c2418882e5cd805d934f02
encoding: FLOAT32
metadata:
{"chroma:document": "This company is NOT for their customers. They will ruin your credit and they charge you SO MUCH. This card is a nightmare - PREDATORY!!! This was the ONLY credit card co out of all of my cards, that would not help me in any way after I became unemployed. Prior to becoming unemployed I paid on time, every time. I called to see if they would assist with putting me on a payment plan or SOMETHING, not that I wouldn't pay but I just needed help. I called all of my other cards and they were wonderful and assisted me with making my payments without falling behind or harming my credit... But CREDIT ONE IS FROM HELL. They gave me the runaround, they were UNBENDING and although I explained what was going on, they seemed to not care at all. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a24cc4dfc3c842b08211545286fcd55d
encoding: FLOAT32
metadata:
{"chroma:document": "These people have been harassing me for 3 years constantly. Calling my job & my cell phone every day all day. I block the number and they\u2019ll call from another number. I\u2019m not understanding how they\u2019re still in business. They should\u2019ve been shut down for fraud \u201cripping\" people out of their money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 03b643a26fbf431a82262c255424c06f
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metadata:
{"chroma:document": "I had a Credit One Bank Credit Card. I paid the card off in September 2021. In fact Credit One continued to make offers about increasing my credit limit. Starting in October 2021 I have been charged an $8.42 Monthly fee. Further, I went to use the card and was told my card was frozen, HUHHH. Today I was reviewing my credit report I saw that I was still being charged the amount of $8.42 but could not utilize or activate the card I have on hand. I called customer service and was told the $8.42 was for maintaining the account, and reporting to the credit bureau. WHAT! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ff6ddf599c24b1883b40491bb96f1ee
encoding: FLOAT32
metadata:
{"chroma:document": "Strongly discourage any interaction with this company. My experience with them has been an absolute nightmare. I applied for a credit card on June 15th, and since then, it has been nothing but a series of broken promises and incompetence. Despite calling them every week in July, their customer service was appalling. Each time, I was fed with empty excuses like the card being expedited or rush delivery, but the reality was far from it. On July 5th, I reported that I never received the card, and they assured me a new one would be sent out. However, that only led to more frustration when I called them again on July 12th and found out the card still hadn't been dispatched. The operator claimed there was an issue and that they would rush deliver it, but even then, the card failed to show up within the promised time frame."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22b51bd95a9d4fc8a8814b462a0b6634
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{"chroma:document": "On June 19, 2023, at 2:46 PM CST I was at my work located in Richardson, Texas when I received two text messages from Credit One Bank alerting me to two purchases in two separate locations, Clique in Queens, NY and Foot Locker in Elmhurst, NY, that were declined because the card was over its limit. I logged into my Credit One account ending in ** and discovered there were two unauthorized purchases on my account. These purchases were for $119.76 at Champs Elmhurst, NY and $141.54 Asphalt Store in Elmhurst, both on June 19, 2023."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a663595bd98d4f52b16b58bde35eb034
encoding: FLOAT32
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{"chroma:document": "This Bank is the absolute worst! Stay Away! They commit fraud on the consumer. I applied for their credit card. I was approved and they mailed me my card. They didn't open the card. They immediately blocked and put a hold on the card when I tried to create my account online. The bank claimed they needed more ID to identify my identity. They claimed they needed my DVM license, Utility Bill and a pay stub. I told them I didn't have a pay stub since I own my own company. Therefore they said I could send a 1099, which I did. They said this wasn't good enough since it didn't match my name. Yet it did match my last name and home address. I told them I still didn't have a W2 but I did have any old one. So they said to send that which I did the next day. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46b58e39c2de442798f7c74a2619907b
encoding: FLOAT32
metadata:
{"chroma:document": "They started charging me fees before they could even get the card to me! I got the card to build my credit but it did the opposite. Customer service is incompetent to say the least. And they charge $30 fee every time you turn around. Just say no and save yourself the headache!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad0c9955529b4f23b10373aef283bdab
encoding: FLOAT32
metadata:
{"chroma:document": "This bank has put multiple fraud charges on accounts and will not correct it bc I'm sure it's them or them benefitting from it. I called over and over again, was transferred multiple times. I think I woke one guy up. They will send your account to collections on your credit report and report the wrong year and balance owed, doubled. Account balance and charges don't add up either, by hundreds! Don't waste your time w/ this so called \"bank\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55a393a7fc464ef7b52a3434771b56db
encoding: FLOAT32
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{"chroma:document": "I have Credit One Bank card. My payment was due on the 28th so I paid it on the 28th. They charge me a $30 late fee because they said I did not pay it before 5 o'clock PM, I paid a early payment on July 3rd of 130.00. My payments are only 30.00. They said it didn't count for July because the billing cycle starts after the 5th of July and that I would still owe July 28th payments. The first time they got me was I thought my payments were due on the 29th of each month so they got me for a late fee of 30.00 for that too.... This company is a big rip off and scam. They need to be investigated..How can they do this to people and get away with it....Why hasn't the better BUSINESS BUREAU GOT INVOLVED YET.. Because if you cancel this card it will mess up your credit score. This is not fair to the consumer.. Please somebody help with this scamming company. They need to be stopped and sued. They have ripped millions of people off..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5117e16fc084f71bf259f5cbe657a64
encoding: FLOAT32
metadata:
{"chroma:document": "I got approved for a credit card back in April of 2023. They mailed the card to the wrong address five times! Every time I call to let them know that I have not received the card, they swear that they will be mailing the card out expeditiously. I called them again on 7/10/23 to close out the account since I've never received a card, and of course they swear they will be sending the card out via priority mail. I was told that 4 cards ago! Each time I call to let them know I haven't received the card, they issue a new card number. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae73908f1a9a4fccb2ee354599b99e37
encoding: FLOAT32
metadata:
{"chroma:document": "Annual fee nowhere in the application, 5% cash back on gas and groceries is a lie! Total rip-off!!! Walmart is not part of the 5% \"all grocery stores\" nor gas 5%, only the once qualified!! Total rip-off!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b201d2f7223c4102af03e98ad31f2585
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One relies upon the goodwill of Capital One by copying their logo & similar name. Their pre approval is scam. They hide many fees until you submit an application. When you are approved they send you a card but place a hold on your account. They then require you to upload a copy of your DL, utility bill & a copy of your SS card! Requiring such sensitive documents is ridiculous. Even when you do, they will still refuse to release the hold on your account. In the meantime you will notice they have charged you $7.99 to send you the card & an annual fee charge of $75 while you can still not use the card. Customer Service is handled in India & good luck with solving any issue. This bank is a scam & suggest you go somewhere else because they will inquire about your credit. Their reputation of a shady lender to subprime customers will not help your credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a206a4ce5ac2467eb666e7822dc1382b
encoding: FLOAT32
metadata:
{"chroma:document": "Do not accept this offer. $75 for a $300 credit line. Also, their online presence is severely disorganized. I dont understand how a company could offer such bad service. There is a reason it has a 3.5 star rating."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7bac651be86145f9b51adf4a5594ce82
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{"chroma:document": "I recently lost my Credit One card and I called customer service to request a new card and was advised that a replacement card would cost 25 dollars to replace, I never in all my years of doing business with banks have been asked to pay a 25 dollar fee to replace a lost credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3da460b02cba4a928235ebf0fb33894f
encoding: FLOAT32
metadata:
{"chroma:document": "Just opened account for this card. Charged the $95 annual fee. Payment due on 6/27/2023. Paid in full the $95 on 6/23/2023. Today receive notification statement is ready. I log in on the APP to view. My balance is $.96. Call customer service and they cannot for certain tell me what this charge is for only that they believe it to be interest. WHAT?! I'm being charged interest on a balance that was paid 4 days prior to the due date. I have to wait 24 hours for them to be able to see the actual charge. Right out of the gate this is company appears to be fraudulent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c85ba33990dc41319da44e5225cca77e
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a secured credit card with Credit One bank for almost 2 years now. I sent them my money which they took electronically from my bank. I only had to have good credit for 18 months with them and they were supposed to refund my deposit and roll my account into an unsecured credit card. After 18 months of auto pay and perfect credit history with them I was told that I had to wait 2 years to get my security money back. My balance was paid in full every month for 22 months and in the meantime I received several unsecured credit cards with much higher limits. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 12f60a63cdea47af965d794464db95a6
encoding: FLOAT32
metadata:
{"chroma:document": "I received the card and was faithfully paying the card off in full. I received a notice that they needed a bank verification letter. I called them and was told to go into my bank account and send them proof of payment. I sent them proof of payment. No one ever called to say I needed more. I call again. They say the bank has to send a letter that a payment made was from my account. The bank then sends them a letter. Still my account stayed suspended. I called again and was told that I needed to upload a bank proof verification letter that a payment I made in full was my account. I faithfully paid the card in full monthly. I thought this was a good thing. I paid off the card. I tried to apply again just to see what it said. I'm furious that they faithfully took my payments from my bank account and closed my account stating suspicious activity. Why are you accepting payments from my account. The very one you claim isn't mine. You would think it's 30,000 but it was only 300. Closing an account on someone who is faithfully paying is absurd."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c26f12cd6cd54a4da3cfd381b12dcb12
encoding: FLOAT32
metadata:
{"chroma:document": "Between Nov 9th and Nov 19th 2022 persons unknown used my Credit One visa card to make 11 transactions for confectionery from 7 different vendors online."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a14c22a8d7a4e6788370652ec9c9f5c
encoding: FLOAT32
metadata:
{"chroma:document": "AVOID.... AVOID....AVOID. This is the worst credit card I have ever had. I've been with them for several years. On May 8th, 2023 I called to report my card missing. I was told it should be there for 7-10 days. In The middle of May, I called to speak with a supervisor, she informed me that due to a security reason, my card wasn't sent out but now it's all taken care of. She couldn't tell me the security reason, but she did say it was all taken care of and I should receive a card in 7-10 days. On 06/09/2023, I placed another call to inform them I still haven't received my card, this young lady apologize and stated she will have it expedited in 3 days. On 06/20/2023, I placed another call, the gentleman tells me it wasn't sent out until 06/15/2023, I should receive it by next week. Yes, I have been making payments, actually overpaying them. So I can excuse myself from this company. Seriously how long does it take to mail a card?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 33e31d1777044d8bbf8c9c53cd021ace
encoding: FLOAT32
metadata:
{"chroma:document": "I am rating them one star because they are full of donkey dust! The fact that they provided me with a credit card based on my credit is all good but means nothing if it is causing me more harm than good. In 2015, I applied for their card. I signed up for coverage that protects you if you cannot pay, i.e., job loss, medical issues... I lost my job about two months after receiving the card. I made payments to the card. FYI - I believe the cost for the coverage was $1.00 in addition to your monthly income."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c9ac8c1bb4a430380fdc685fb521464
encoding: FLOAT32
metadata:
{"chroma:document": "The website or app wouldn't let me set up auto pay. I could pay a 5$ fee and make my first payment. took me hours to try and set it up so I call the number. Couldn't understand a word they where saying. When I tried to talk they talked over me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b049f2b8ca4a4b6294b7bf2d2a8a14d8
encoding: FLOAT32
metadata:
{"chroma:document": "Card shows that I have plenty left to charge but whenever I tried to use it ...blocked. I called them and was told it was on a block because I made a payment. You heard that right...I was blocked because I made a payment them deemed \"too large\"..It was a little north of $400. Most ridiculous thing I've ever experienced. I closed my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab69664a9a0a49acb1dbd5a441719d77
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One is a SCAM, again Credit One is a SCAM. I had a credit card with them and paid for insurance in case I lost my job or disability. I called and reported to them I\u2019m not working, I was told we look into and they sold it to LVN Funding. Now the company is suing me. They will sell your information to other companies"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21b066d6454e4d1cb136bf73e178e119
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had my card over a year. Just paid it off and all payments on time. Now they suddenly need proof of identity and shut my card down? My daughter had the same to happen as well. Submitted it in info online on May 10. Still no resolution on my account. I\u2019ll be closing this account!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e6e32eac019d4690983f40a934e6c591
encoding: FLOAT32
metadata:
{"chroma:document": "I could not even understand the female representative's name due to very poor English spoken throughout the conversation. I had an issue accessing the mobile app for two weeks. When I signed in it kept saying \"under maintenance\" I deleted and reinstalled the app and still received same message. The representative keep putting me on hold and did not even acknowledge that I was still on the line when she came back and just started talking! Needless to say my issue was not resolved. I do not need this credit card if this is the customer service that I get. I will call to have cancelled!! VERY POOR CUSTOMER SERVICE!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5b6f8c7045f4cfbbdd41db0c533c991
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One is a horrible company and their customer service is worse, this has nothing to do with payments or fees, they're rude and don\u2019t listen to the customer. Run. There is better out there. They are so quick to close an account when you have been using the same bank for your payments for the last year. You have more than one card with them that\u2019s used through the same account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a8a7408637d43c6b858b67d926bf0b4
encoding: FLOAT32
metadata:
{"chroma:document": "If only negative stars were an option. Customer Service is absolutely terrible. They not care at all. I only had one agent who spoke remotely kind. Still upset about many things. Was lied to, manipulated and spoken down to on multiple occasions. Would NOT recommend this company to anybody. ever. period. I work in customer service and have always been patient and understanding because I completely understand the other side- however I lost all respect (with the exception of the one woman) for these people. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c376b5b0230e466192335eb1c814d689
encoding: FLOAT32
metadata:
{"chroma:document": "I had to call 3 times before someone understood English enough to help. Brand new card. Wanted to pay it couple weeks early. For some reason payment didn't go through so tried again since I had the money. Still no, so I found my bank didn't recognize the charge and blocked it, but resolved it for future payments. So I made my payment like normal (early still). Week later Credit One Bank slapped multiple fees for every payment attempt that didn't work. Makes sense...but it was my first payment, I had the money and I was paying early. After letting them know I resolved the problem with the bank and would like to request the fees be removed this one time since I wasn't late and unaware of fraud blocks with some banks. They stated the \"only\" option is closing the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 277c5b1e98cc4ca8a8ae89d9e0a57e27
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Credit One for close to a year now, and I have made all payments on time. I had a couple of payments come back returned but I made them up immediately. They closed my account with no warning or call or anything. A payment was in their system for the double the of the amount of the return nsf, and at the same time closed my account. Do not use this card holder. They are crooks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8488de8f14604158bd751aeaf6d987a7
encoding: FLOAT32
metadata:
{"chroma:document": "Was offered this card, it came punctually, they took the $75 fee out the first day. Their agreement says they will credit $1.00 from your bank and debit the $1.00 back to confirm bank. They did not do this. I paid my entire balance on 4/19/23 (was due on 5/3), the money was taken on 4/20/23 from my account and as of today, 4/27/23 I still cannot use my credit card, even though it shows a -0- balance. Customer service is friendly but no help. They require a copy of my bank statement which I refuse to send them. $75 lesson. Card cut up, account closed after one month. SCAM, SCAM, SCAM."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd20a4f3f4b246feb7a85454df4bc3ff
encoding: FLOAT32
metadata:
{"chroma:document": "If you are thinking about getting a credit card with this company ... PLEASE DON'T!!!! They are complete garbage. My payment of $30 was due 4/23 and because I did not pay it by 5 p.m. on 4/23, they charged me a late fee of $30. Yes, you guys read it correctly. If you don't pay by 5 pm on the \"due date\" (no grace period), it's a $30 late fee. I read the terms to my agreement thoroughly and that was not stated in there. I am a single mother of 3 and I work 3 jobs that I get off from past 5 pm. I am going to pay my full balance and cancel this credit card. Amongst having no grace period for their customers there are so many other things that just are not a good look for them. Run away! Run as far as you can. I wouldn't even recommend this credit card for people with bad credit or those trying to establish credit. Don't go with this company at all please. There are much better out there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30034f4c66d34fbf80a21e9faf462a58
encoding: FLOAT32
metadata:
{"chroma:document": "I received my card and realized there was a $95 annual fee and called Customer Service to cancel my card as I never used. The Rep made some offers if I would keep my card so I did. The next day I logged onto my account and noticed the promises were not being honored. I call Credit One again and was told they were not going to honor those promises. I told them I wanted to cancel my unused card and was told no problem but I\u2019d still be responsible for the $95 annual fee even though I never used the card. It\u2019s my opinion Credit One is no better than a Used Car Salesman."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0679749870ff479a99b159f3f0d3ecc0
encoding: FLOAT32
metadata:
{"chroma:document": "As long as you never have any type of issue. If you have to call customer service you are addicted to pain. They do not think, they will keep reading script over and over. You call and different info. They will leave you on hold until the phone hangs up, or long enough hoping you will hang up. English is not the first language spoken by the representatives. This would be ok for basic calls. But for more detailed problems they will be pissed at you. If you get the card, just hope you never have an issue. No one should ever call looking for assistance and have this much pain inflicted upon them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2bb4c8b395cb4187a71741685a1b5a6e
encoding: FLOAT32
metadata:
{"chroma:document": "While Credit One cards give someone with bad credit a chance for a new start, there are cards that are far better than these."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbfb0e865b8244ef834169b4faa7b98f
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m supposed to have a 400.00 credit limit but I\u2019ve never used my card for that. Only the 30.00 I pay every month and lately I\u2019m paying and not using the card at all, all they're doing is using their own card. I hate this place. Can\u2019t wait to pay them off. And I don\u2019t see why I\u2019m paying off 400 when I've never used 400."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f163334c6eb043fd93a32cae672bb21f
encoding: FLOAT32
metadata:
{"chroma:document": "I have worked with many banks and card companies over the years and this has to be hands down the worst company ever when it comes to customer service and fees. They make it nearly impossible to speak with a company representative and they charge an extremely high fee for their card. I would never recommend this bank. Getting an account closed and annual fee return is also next to impossible. Horrible company!!!! Beware!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1ae7cddc93a42949f8ea21bbdb70f8c
encoding: FLOAT32
metadata:
{"chroma:document": "Watch your bills! I am on automatic payments and caught them charging me late fees BEFORE the due date even though I had paid my bill! This happens on 3 occasions. I wrote them complaining (because there is no other way to speak to someone) and they DID refund me, but they are giving me hard times removing the late fee on my credit report. Thank god I have the letter to submit, some of the credit bureaus took them off but I had to fight for it. Also! When I stopped automatic payments they still deducted the payment so I paid double for about three months also. I have been a customer for two years now and have never been offered an increase. Got denied when asked for one. Probably for the \u2018late fees\u2019 they charged me for. But honestly what is a $400 credit card when you should only spend 30%? So I\u2019m keeping my balance at $30 and they can take the apr rate off that\u2026 They are not getting more from me! They screwed my credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa732019d63444bc88e6a50bea970f44
encoding: FLOAT32
metadata:
{"chroma:document": "I have called all 4 of their numbers several times today and each of them only ring busy. I had to go online to activate my card - yet every time I have attempted to use the card for has been declined. They accepted the authorization fees 3 times from the gas station...declined my purchase of gas. The customer service link on their website is a dead link. I haven't been able to speak with anyone through the phone or the website! I thought I would give them some time to maybe get my account working/activated even though it says it was - so later in the evening I tried to make a $20 purchase on Amazon, again declined. They have managed to charge me $75 to activate my card plus 7$ for my Purple card - yet I can't use it and cannot get ahold of ANYONE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 654cabb98b5f4cf6ab07e6acb5a3161d
encoding: FLOAT32
metadata:
{"chroma:document": "Worst credit decision I ever made was to get involved in this substandard company. I opened the account and kept the account in good standing for 11 months. I only got the card because it was an American Express card. They screwed up a scheduled payment of mine and did not take it out when requested due to an error on their end. When I realised it I called their non existent customer service department for days. I finally got through and explained the situation and made the missed payment over the phone less than 5 days later. They returned the late fee and phone payment fee. I was told it would take several days to get back the $30 in interest I was charged. Never got it back and closed the account. STAY AWAY FROM THESE LIARS. I wish I could have rated it 0 stars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 57a2dd4e8575435c85872e558a019c97
encoding: FLOAT32
metadata:
{"chroma:document": "To keep you from paying off your balance early. They give you a limit on when you can only make an express payment five times in one billing cycle. Why can\u2019t I pay my balance at any time. Very inconvenient when you need to use your card. Certain places only take credit cards and I can\u2019t add money for situations like that. Terrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63baee27a1ed4f9da58ce74dd6fa2bc6
encoding: FLOAT32
metadata:
{"chroma:document": "This horrible company does not give increases. I have had the card for several years with on-time payments and double payments. My credit score is 670 and I have zero balance. They are pathetic. Choose a different card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 851de9d7a319423392d52992cbb756bb
encoding: FLOAT32
metadata:
{"chroma:document": "They are the worse credit card company in the nation I believe. Even after a year they still won't give me a credit increase even to if they charge me the annual fee I will pay them off by July then I will close my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea04e782b3a34280911df7326bd58ec7
encoding: FLOAT32
metadata:
{"chroma:document": "I have been up to date and made my payments for well over a year and I have been on time and paid more than I owed and I never called Credit One bank once to tell them about the payments that I made but yet if you miss a payment because you lost your job and you're waiting for the appeal or unemployment to kick in... They will call you five times before 10:00 a.m. on Sunday morning and they'll call 18 times a day every single day asking you about a payment. And every single one of the 100 different people that have called speak in a horrible Indian accent trying to speak English and you can't even really understand them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a7a6e9b4e7e4388ae76569e955306db
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a credit line with $200 deposit to rebuild credit. I downloaded the app to track and make payments, etc. About 6 months later I changed my personal bank. I added the info, verified it through Credit One's app, seemed fine. Made my monthly payment, 5 days later I was sent an email that the payment was returned and the account assessed a 40 dollar return fee and 39 dollar late fee. I called customer service, explained I was sure I chose my new account, must be a glitch in the App. They returned the fees, I resubmitted, this time taking photos of me doing it since the app doesn't allow screen shots. Again, 5 days later, same thing. So I removed that old bank account to just cover my bases. Called in, explained, again fees removed. Resent once again and this time it went through. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 35f82fa17e404cfba4d3dc8cb7be0e5f
encoding: FLOAT32
metadata:
{"chroma:document": "I received a \"pre-approved\" letter from these guys. I should have known better. So I went online and was told that I was approved for a card with a limit of $300-1500--might have been $2000. So I said OK and received a card with a $300 limit. The first bill came and it had a $75 annual fee charge on a $300 limit card. I have never applied for a card that has an annual fee and I wouldn't with this outfit. Particularly with a $300 limit!. Either it wasn't in the application or was in really small print. I spoke with a Rep from the bank and we both laughed that it was ridiculous to have that high of a fee for a small limit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd5b991ffc64474dbda4bbead7c19f5c
encoding: FLOAT32
metadata:
{"chroma:document": "I originally had a low balance credit card with First National Bank of Marin. Years later, they changed to CreditOne Bank. I had not issues for the first few years. Then, around 2018-2019 things started changing. Random items in my account would change. I would go in and correct them. Suddenly, I couldn't get in at all. I noticed random charges that were not right and corrected them with the institutions that made them. Then, in late 2019, I received a replacement card. Activated it and set to e-statements with no mail and two factor sign in. A few months later, the estatements stopped and things seemed to revert. I went and tried to log in to reset them and found I could not even log in. Called customer service and got things fixed. Then in late 2022 it happened again. Called to get it fixed and was told that my information did not match. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2db25e453c924d5183f9b53893de542f
encoding: FLOAT32
metadata:
{"chroma:document": "Be warned... Credit One will lie and commit fraud... Charge you fees without ever sending a card. Then when you cancel because of the hassle, they will continue to charge your account as if it were active."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c962b2e8c75946feb73c84db3af34ff0
encoding: FLOAT32
metadata:
{"chroma:document": "No Security! No better credit score! Not safe at all! Your information easily stolen and no one cares! I have a platinum visa card. My information was stolen from the bank and someone used my card in Walmart, Holiday Inn, and for Uber. I was billed for about $800 back in November 2022. It decreased my credit score as well. I disputed the transactions. They made an investigation. They accepted two transaction as fraud but not one which is made in the same day. Now I have to pay about $300 for someone who enjoyed my money. They don't care about your security. When I called them they told the system detected an unusual activity and sent me a notification which I never received and replied. But they made the payment without my approval. I don't know about my information was completely stolen or not like SSN. Think twice if you want to apply for this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e8da95bba7b40eba25ee954a47be0b4
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a card with Credit One bank 2 years ago, since then they reached out to me about increasing my credit line but after doubling my credit line they sent me an additional card. Then reached out again about increasing the credit line another $500 which was another credit card, informed them I do not wish to have another account so they increased a card $250. What happened to the $500? Every time you try and make a payment you are locked out of the account for \"system maintenance\" or \"account suspended\" then you wait 24-72 hours and log in and what do you see? More unnecessary charges added from the previous file review. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a624e494d97452bb75dc0ce9523c1f4
encoding: FLOAT32
metadata:
{"chroma:document": "Go read the hundreds of reviews about this bank on Yelp..to verify what I'm saying is true. Scammers. No one in customer service will transfer me to a supervisor....I've had to call back 8 times now and give 8 different people my name address and social security information...Each time they say they'll transfer me to a supervisor they hang up on me....I got approved back in January and they said they've sent it many times...in January, in February and now in March..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 19b5f591c2274114a5b793d1e3fb06a0
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{"chroma:document": "Every time I made a payment to this company I would see it post to the account and then it would get returned the next day later and yes I have the funds available in my account. I\u2019ll go out be possible to post and then they just take the payment away. It just disappears like it never happened and I have proof and screenshots of every time they did this Resulting in a return payment just so they can scam off making money from the fees that they\u2019ll give you for doing that even though the funds were available they still kept returning. The payment makes no sense. Now my account is closed because every single time I try to pay it they wouldn\u2019t keep the money there. It would post for a day and then reverse right back into my account. They\u2019re a SCAM. But they sure won\u2019t hesitate to take that $75 fee from you though within a week of having the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6fe12f71ce8c43018b05318f62a29409
encoding: FLOAT32
metadata:
{"chroma:document": "My only real complaint is their website... It is the worst website I've ever used! It constantly says my request has failed and won't load any of my information. Every time I make a payment it says it can't confirm my bank information and they need to send me two deposits but never do, so I have to make payments on both cards at separate times because they think two payments is an act of fraud, which apparently is fine to commit two weeks late, I don't know. Then they ask me to switch to electronic statements, which I attempt to and then it kicks me out of the site completely taking me to a page that says I don't have authorization to view the site. It's utterly ridiculous to say the least!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6a6569f41154d67a183b16aa2cb7e33
encoding: FLOAT32
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{"chroma:document": "One star because zero is not an option. They took my money on 3/4. Said it won't post until 3/12. 8 days after my payment. My bill is due 3/10. So here I am paying 6 days early and they say it's late? BEWARE - They purposefully make it impossible to pay your bill on time, EVEN IF YOU ARE PAYING EARLY. The customer service rep said this is typical. This is wrong. Predators. CALL THE NEWS, PEOPLE. THEY NEED TO BE SHUT DOWN."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e1633f82b5248019fc3502ecca88115
encoding: FLOAT32
metadata:
{"chroma:document": "At first everything was fine, card was received in a good time, and payments made was posting. Once I missed one payment on time they \u201csuspended\u201c my card until I paid at least a \u201cminimum\u201c and I ended up paying a the whole balance off and was told it would reflect on my account as soon as possible which didn\u2019t happen. Called 48 hours later and was told it would reflect the next day. Nnot only did it never happen but the payment I paid in FULL that was \u201cpending\u201d was completely gone as if I never made a payment and it was still saying \u201ccards suspended\u201c. Even though it shows on my banking statement, No one could give me answers as to why this has happen. They just keep transferring me to different people, I will be taking legal action. $300 limit they give which actually is only $250 isn\u2019t worth it!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3809f6efb0f543268c71cc42bb0e3cc6
encoding: FLOAT32
metadata:
{"chroma:document": "2 situations my card was compromised and it took 2 months to get new card. Then I was out of the country. Ran into situation. Needed to get my 75.00 cash advance but didn\u2019t have the pin which was never generated and when I called they said pin was mailed the day before to my home. Not emailed and nothing they could do. I AM IN COLOMBIA. HOW CAN I CHECK MY MAIL and everyone I talked to could care less about your situation. I owed 30.00 which it was zeroed out before I left so there were 30.00 in fees for having a zero balance. This company is a joke. Run don't walk away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c3edc83e64af4971904a932be5d20745
encoding: FLOAT32
metadata:
{"chroma:document": "I apply for a credit card to rebuild my credit. It took the company over 30 days to send credit card. I received an email from them telling me that my account was going to be closed due to inactivity. Called the company cause no card was ever received. They then sent me my 1st card that they deactivated due to my call about no card. Then I received a card and they deactivate that card. On Jan 17, 2023 I called cause I went to use the card I did have and they closed my acct. After about 10 calls later each time they told me that I would receive a new card within 10 days. No card was ever received. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23d882eb6036493babcc36c1bba07a1f
encoding: FLOAT32
metadata:
{"chroma:document": "They hold my payment ransom till after the due date and charge late fee, I\u2019m dropping Credit One Bank card! Terrible card and customer service! If you want to build maintain your good credit don\u2019t use this company!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7260f0c3f4fe43e2af50e2273b169566
encoding: FLOAT32
metadata:
{"chroma:document": "Do not choose this card. My credit score is 632. I applied for and received the Credit One American Express bank card. They are deceitful and manipulative because:"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e363f26e3e6f410599bf3951faf57229
encoding: FLOAT32
metadata:
{"chroma:document": "This is, by far, the worst company to work with. My credit card was regularly stolen and when I would call I would speak with people who are VERY difficult to understand, speak over you, and consistently transfer you to another person. My credit card information from Credit One Bank was stolen in October and it took them two months, and my constant calling to reverse the charges so I wasn't paying interest on those fraudulent charges. I decided I was just going to be done with it and I made a payment on 12/21/2022 to bring the account current while they continued their investigation into the fraudulent charges. I called two days later on 12/23/2022 to close the account. I then waited for a check in the mail for the over payment I would receive and now, in February, I receive a phone call that I'm past due on my payment for them? What? How?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 992742846c1d4947877eadf2b1adeee3
encoding: FLOAT32
metadata:
{"chroma:document": "This has been the WORST experience that I\u2019ve had with a credit card company in my life. I have not had a credit card for over 3 months. They lied & said they sent it out. I updated my address. Waited two weeks later and I didn\u2019t receive anything. I called back again and they said they had a credit card shortage, so there was a delay. Then they said they sent it & expedited it. Two weeks later, still no card. I called back AGAIN & they claimed to had sent it to my old address. I updated it with them over a month ago & I had my mail forwarded. They lied that time. I spoke with a supervisor who promised they would send it out. 3 months later, I STILL DON\u2019T HAVE A CREDIT CARD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd8fcf1d892140a4a4e25709da197d37
encoding: FLOAT32
metadata:
{"chroma:document": "Although Credit One offers a pretty good card, their service is horrible\u2026 My account got shut down for 0 reason, never missed a payment and have had card about 3 months, when I call to find out what\u2019s going on they inform me my account has been closed, when I ask why I can get a straight answer, finally an \u201caccount supervisor\u201d gets on the phone and tells me about \u201creversed payments\u201d from this account\u2026 Every payment he brought up was taken from my bank account and I provided him reference numbers\u2026 He then asks if I could send in my statement so he could open an investigation\u2026 Too much trouble for no reason, I\u2019ll use a different card moving forward. RUN AWAY IF YOU'RE THINKING ABOUT USING CREDIT ONE BANK!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b3a76fcdeeb6402db53aba03c4e6f18a
encoding: FLOAT32
metadata:
{"chroma:document": "I have called five times, and also spoke to supervisor regarding card approved for in November. They keep saying they are shipping new card but it doesn't come. Funny, I did get a bill and letter from them though. Why are they not sending cards? Are they just using my information? Doesn't seem legit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1384468a094240799439fc6681578fca
encoding: FLOAT32
metadata:
{"chroma:document": "American Express should get out of business with Credit One fast. So I lost my card I called to cancel the old one and requested a new one. A month later I realized I still haven\u2019t received it yet. So I go into my online account cause I know they have an annual fee of $95 and wanted to see if it was charged to the card for the new year. I found 599,00 charged on the card $400 at an Apple Store and 199 at a rite aide. I said how is this possible I didn\u2019t even get the card yet. So I called them to tell them what\u2019s going on and to let them know there are fraud charges on the card. They said we will have to review this but in the mean time you will have to send us a utility bill and your license so we can confirm who you are. I said, \"Are you serious?\" "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb92c9a5d2c24280a9f0f252de51fabf
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Credit One card holder for about 5-10 years. I have had several issues with transactions being declined to avoid fraud. Embarrassing, but not unique to them. I have always paid on time and usually try to pay off each month. One often you cannot pay completely off unless all your transactions are early in the month. Not sure, but this is a bit annoying. I do not care for the 7 days after paying to have credit available, but still not my biggest issue. For the second time after making a payment (to pay the card off), they have suspended the card because my payment could not verified. The first time I provided them with the information they requested (proof the payment came from our bank account) they never reinstated. Then when we called, they said they had closed the account because we had not submitted proof. We cut up the card and it is still showing as an open account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34d31b260e0e4abc98b81b9ee48d5b10
encoding: FLOAT32
metadata:
{"chroma:document": "Don't suggest anyone apply this bank.. They keep over withdrawal for no reason.. I paid on time and they keep over withdrawal... hidden fee or whatever ... Don't apply this bank.. and hidden high fee that I don't know.. hurt my credit cause this..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8c4cb3724bbc4f798218e56f7247242b
encoding: FLOAT32
metadata:
{"chroma:document": "Card itself is okay, so long as you never need help with anything. They have hands down the worst customer service I have ever had the pleasure of dealing with. No one I have interacted with speaks fluent English and on top of genuinely not being able to understand the CSR, the few of them that I have spoken with are beyond rude. They act extremely annoyed to have to be helping you and I use the term helping very loosely because helpful is the last thing they are. Not to mention not only can you not understand them, they can\u2019t understand you either so it\u2019s a phone call of constantly asking one another to repeat themselves, except they ask you to do so in an extremely rude, arrogant and condescending way. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7aae47b4106f4b858d839e416e0ad53b
encoding: FLOAT32
metadata:
{"chroma:document": "My initial experience with Credit One was great. I had 2 cards, 1 for approximately a year. All payments except one was made on time and even that one was corrected shortly after. Few months later my lease was up and I had to move ~ unfortunately there were unexpected expenses related to move that threw my whole budget off. When I made my payment, I mistakenly provided them the wrong bank account (I have 2) ~ they attempted to push the payment multiple times running up nearly $100 in fees. It was my error so took that one on the chin, called them and gave them correct account. As I said budget was thrown off another payment came through and one of the payments didn't clear. Again - my error, however I immediately called them, requested to re-run the payment - they would not and closed one of my credit cards. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f21fc23ef90b430480d5e6e66263c561
encoding: FLOAT32
metadata:
{"chroma:document": "I rarely can make a standard payment and can't login to account and can't speak to anyone when I call. I think a 1 star is too much. I've tried everything in my power and cannot even see a statement of what I've been charged."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0596ca22cefc4e57b61457276460cf0c
encoding: FLOAT32
metadata:
{"chroma:document": "I've had my card for over a year now. I've paid my monthly bills on time with no issues. Until I was recently notified by Experian that my credit usage went down changing my score. Now I'm thinking how.... It's crazy I don. Didn't need any funding. I'm doing good with income so no need to spend unnecessary from card. Somehow my card balance was low. I called and I was told they didn't see anything suspicious on it as if it the activity been erased. Sounds nuts I know. Then I went on to ask for a replacement as I wasn't getting anywhere trying to explain to them how 96 dollars has just been taken out of my account. It's been 3 weeks since then. Today (1-12-23) I called to see the status. They wanted my SS#."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29ecf20535fa4232a54fd0dce51476bf
encoding: FLOAT32
metadata:
{"chroma:document": "The worst bank I've ever had. Don't waste your time and money. They make up charges and fees. And when called and asked about it they closed my account. Credit One bank said it helps your credit. It does not."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55db802e9b0a4274b2beec783518b2f6
encoding: FLOAT32
metadata:
{"chroma:document": "Beware of this company! I Ordered a new card 2 months ago and still never received it. I Call them back 2 weeks later asking where it is and they lie and say it was shipped. Called back 2 weeks later again. They lie again and say the post office won\u2019t allow shipping to my address. (I got mail from them before and after this but no card. I even get mail at both my address and mother in laws address About my change of address.) I call the post office. They say that\u2019s a lie that Mail is not stopped at my address and never has been. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba7b218d17cc4085ae008ebda9de8966
encoding: FLOAT32
metadata:
{"chroma:document": "It\u2019s funny, they talk about phishing on their site but the employee I just spoke to kept asking for my ssn, address, birthdate, and full name. Why do you need that information? You aren\u2019t opening a new account for me! Also, it\u2019s SO ** annoying that every phone call is someone with a thick ** accent. I understand they are outsourcing but I can\u2019t understand wtf they are saying! And they don\u2019t understand American mannerisms. It\u2019s rude to say \u201cAND YES MAAM make sure you do this AND YES MAAM make sure you do that AND YES MAAM don\u2019t forget this.\u201d "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 598cc33915d849819a0d6aa4003214c8
encoding: FLOAT32
metadata:
{"chroma:document": "I have always been in good standing with Credit One bank. On Dec 13th I reported one charge for 96$. We ordered new cards and after 15 days of not receiving my card I called. They told me, \"I\u2019m sorry but we have had some technical difficulties. But your card was sent out today. It should be there within the next three days.\" It is now January 9 and I called to inform them that I still have not received my card. Today the information I received is that they are having a hard time getting the materials to print our card, and that is why it has not been sent out yet\u2026 NOT!!! been sent out\u2026 "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4995adea98654c24ae5359beb85b7854
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank is the most deplorable Credit Card Service anyone may want to experience. Here are the reasons: 1. They lack absolute customer satisfaction philosophy - 2. They have fraud orientation. 3. Their pre-approval process is fraud. 4. They are total fraud. 5. They are nothing but fraud. 6. 100% fraud. 7. Everything about their operation fraud. If you try their product/service, you will regret big time. Don't even waste your time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f58ad3409f9f447b8b238b1b6c5806c6
encoding: FLOAT32
metadata:
{"chroma:document": "CreditOne Bank is a predatory lender. Anything they can do to charge fees or make it difficult for the borrower, they do it. Payments after 4 pm or on the weekend are considered late. Historical transactions cannot be downloaded online (only viewed). Login Verification Texts are not received making it difficult to log in and make payments. Interest Rate is ridiculous. Pay a fee if you want payment to be reflected immediately. Pay a fee if you want to make a payment over the phone. I HATE THESE CROOKS!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba74167bfd7a458fa571d63a658739d3
encoding: FLOAT32
metadata:
{"chroma:document": "I had this card for several years. For some reason I did not realize my $39 annual fee was due. I never received a notice. I was then charged a $30 fee a few weeks later. I finally got notice they were suspending my account and charged me another $39. Previous to this I had a zero balance. So, after $110 in fees and never before late the account was suspended. I paid the fees and promptly cancelled this ripoff card!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a5a75fce8444955bec21a2b50ae8bb9
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metadata:
{"chroma:document": "They call you every hour to \"remind\" you your payment is due in a few days, even if you have a pending payment. It is almost impossible to get to talk to a human, and when you get someone, you can't understand them. The card is awful as well and it takes almost a week for a payment to process. Even if you have a payment processing they charge you a late fee if they don't take the payment from your account by the due date. I would not recommend this company or card to anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 42e3dc2635744248bde76d360151f925
encoding: FLOAT32
metadata:
{"chroma:document": "I should have known when there was a limit to how many payments I could make. They closed my acct for a payment which my information was approved on their site. They accepted a payment after this one from same bank. Never knew my acct was closed. They charged me late fees on an acct they closed. I would never recommend this scam credit issues to anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: deaf7d633d634420b882b0938eb788ea
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One card was ok for about a year. They added on Credit Protection without my consent and charge me $6.67 a month. Also added almost $2.00 a month for cash advance that I never used. There was a charge I didn't make $129. 99 so I called them. They gave me a new card number. All I know is the last 4 digits. The card I have is my original one. I never got a credit card with the new number. They gave me a credit for that charge and then added it back on again. I tried to call and their phone cuts my call off immediately. They will continue charging the fees and ruin my credit since I can't make a payment. What can I do? I'm going to talk to an attorney. Please if anyone reads this don't accept a card from Credit One."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4807d12ac078402fbfb28edadd342d60
encoding: FLOAT32
metadata:
{"chroma:document": "I originally got this card to assist me in raising my credit score due to my credit score being in the toilet. I was approved for $300 from the start. Within 7 years my credit limit had be raised $950 and stopped. I called and made credit line increase requests multiple times with non ** people telling me they have NO control over the decision to increase credit limits because those decisions are automated, made increase attempts on the website multiple times, and even changed my annual income when it changed and still no increase."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73d6caf20ea14379a314ade9ec0c7529
encoding: FLOAT32
metadata:
{"chroma:document": "I was approved for a simple little card. Nothing has ever shown up for 4 months yet it shows how I still owe a annual fee. Every time I call the company a foreigner answers the phone which has the worst English on Earth and they end up telling me I'm not allowed to cancel the card nor could they help me any further if I don't give them my social security number and address. I 100% believe this is one of those scams in India or one of those countries over there that just steal from good people because they're bad people. There's no other way to word it!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7470053dbc93450abfbf56f41bf73489
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One is charging fees, sending a bill for those fees, BEFORE even sending consumers a credit card. It's been OVER a month. MY 1st calls to them were being assured that no statements no reporting UNTIL I received a card and activated it. A week later I get a bill in the mail for 75 bucks (an annual fee)... BUT NO CARD EVER. Hoops and excuses why cards aren't sent, and treated very rudely when I questioned Why, I was told one story, then the opposite. A BILL, NO CARD, that 2nd call the lady IN VEGAS, tried to degrade and belittle offering me 6 dollars off...OFF WHAT. I don't know about most, however, I don't pay ANYTHING, for something I never received, that was never sent, and never activated. Two stories, total opposite with each call. IT HAS TO BE ILLEGAL TO BILL FOR SOMETHING NEVER PROVIDED, NEVER SENT. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f57fd1295c143dca882abafc588f939
encoding: FLOAT32
metadata:
{"chroma:document": "First off it\u2019s been over 35 days since approval and still no credit card. Credit line is VERY misleading.. Make sure you doublecheck this before you accept the card and customer service will lie. Go with Capital One if possible. Anyone but these people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc43640e49574dc6b1556ecc1a5f5634
encoding: FLOAT32
metadata:
{"chroma:document": "Updated on 03/05/2023: 1st it took them over 2 months to send me my card, they have yet to list it with any credit Bureau and now claims that express pay is under maintenance, so everybody has to pay through a bank account, so they hold onto your money for 7 days, to collect the interest."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dde16374f620462e912ba175df2ceb97
encoding: FLOAT32
metadata:
{"chroma:document": "2 months ago I applied thru Credit Karma, I was approved. Know, I already have 2 other cards and a decent credit score. Credit One tells me that I'll have my card in 7 to 10 business day. 12 days later I call, oh look at that, they just mailed it out, so they say. I wait, and wait, and wait. 2 weeks goes by, I call again. Now I'm told that they are having trouble with the supplier. Ok, let's go that route. I wait, and wait, and wait. Then I get an email stating that I am past due on my bill. My bill, are you serious, the card was never received or activated. So I call, they act caring and say they will change the due date. I ask why do I have a due date when the card was never activated. No real response."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0e6a212954347bbad502570f3dd71f5
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{"chroma:document": "I filed a dispute for two unauthorized charges from a rental company. I provided proof of the authorized rental charge and the rental contract agreement associated with the rental. Credit one took over 120 days and only because I complained about the dispute not taking place per the rental company statement that Credit One had not contacted them regarding the charges. After well over 120 days, Credit One stated that they had conducted an investigation and found favor for the retailer. The retailer basically called credit one liars. They were never contacted. Also, Credit One has charged me for instant credit per payment made via debit card. They took the $4.95 fee but didn't provide the instant credit. This has happened several times. Another complaint is about the cash back, it's never available to add to your account. I will be closing my account at the end of December. I only got the card because I thought it was Capital One I was applying for."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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encoding: FLOAT32
metadata:
{"chroma:document": "I am still waiting for my card. When I called, could barely understand the customer service person, and basically was told you will get it when it's mailed out and was hung up on. I did just get email saying it's taking longer to mail out cards. Wish I was told this sooner or it was advertised, not the 5-10 days. Not a good way to start."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 961223bf432c474f8b9b518f0dc392b6
encoding: FLOAT32
metadata:
{"chroma:document": "There was fraud activity on one of my cards. They said they closed the card but I still had an annual fee on that card. I called them several times and they said they were investigating it. While awaiting for them to contact me they double charged the late fee and made my balance go from $200 to $460. They did not resolve the issue and now they want me to pay on the card that was closed. I am looking into an attorney since they don't know how to treat their customers with professionalism and have an incompetent process."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c7454be1733f4994b2b73cb7620b8f32
encoding: FLOAT32
metadata:
{"chroma:document": "This company is horrible. 1 week after activation there was a $1300 fraud charge for $500 over my card's credit limit. When I called to talk to someone I was calling India. It took 5 different people to verify my name, address, phone number, card number and social security. It was the worst almost 2 hours I ever spent eventually closing the account. Nightmare company!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 677a455af51d407596ee27bfb8e459d2
encoding: FLOAT32
metadata:
{"chroma:document": "Do not do business with this company. They are bullies and liars. They let you make a payment and then block you from using your card. They pick and choose the transactions they allow to go through. They think I am going to continue doing business with them after they illegally treat me like garbage. They blocked card for transactions right after I paid them. Then when I call to find out what I'd going on they turned around and made sure none of my transactions went through. ASKED TO SPEAK TO AN AMERICAN SUPERVISOR AND ThEY PLAYED games. They claim they are closed or under maintenance. I'm done"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d85a14236b844628ec2ac7828ec38f1
encoding: FLOAT32
metadata:
{"chroma:document": "$40 \"payment\" fee 2 months in a row BEFORE THE CARD WAS EVEN SHIPPED!!!! Called customer service multiple times, eventually got ahold of a VERY rude individual to try and explain the situation only to have him hang up!!!! Closed the account weeks ago. \"You owe us money\", $300..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77c59745d387483d9729e875656e7892
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for the Wander card. I was approved and verified. I received emails stating my card would be mailed within 10 business days. After waiting, I contacted customer service to inquire about my card. They said it\u2019s not ten days, it\u2019s 21+ days. Nowhere on my application or emails did it stated this extended time. I was told by numerous representatives that their website and my emails were incorrect. What?! They stated on their end it states this. I asked where can I find this information? Ultimately, nowhere stated this. I have immediate regret about applying for this card. It has absorbent APR and interest rates. If you need a card, go somewhere else. I have spent hours and hours on the phone today which led to no resolution. Predatory company. Disgusting."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f43bf810a7b4452992520d70a36b0832
encoding: FLOAT32
metadata:
{"chroma:document": "They are illegal, they've got to be illegal, there's no way what they're doing to consumers is legal: they close your account when you use a different checking account to make a payment and report you to the bureaus as fraud??!! Like your family member or friend can't make a payment for you using their account, they're being slapped with a BIG LAWSUIT for messing up people's credit story!! Not only are they the ONLY company that charges for credit limit increase, their annual fee is HORRIBLE, their interest rate's exorbitant, their credit limit is lousy, even for people with bad credit, they're highway robbers!!! They need to be shut down! Every other credit card company in the country is better than them, they're literally the WORST...RUN!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e8ec25e3ccdb480e9b7262246564b92c
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for this credit card over a month ago and wish I hadn't. I've now waited a month on my card and they took the 500 out of my account to put on the card! Every time I get an email saying, \"Call if you haven't received your card.\" I call and they literally hang up on me or go silent! Then they tell me they didn't mail it out but they will today. 10 more days go by and same thing. I said, \"Jesus if you haven't mailed it out to me yet just cancel it and refund me my money!!!\" They then say, \"Well we can't do that.\" DO NOT USE THIS COMPANY!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1bac04e7ddac406f800d3805f2bb822a
encoding: FLOAT32
metadata:
{"chroma:document": "My card was damaged and needed to be replaced. Not lost, missing, or stolen, but damaged. I called for a replacement and specifically asked that my wife's card stay active. I also paid to have the replacement card \"expedited\", meaning I would get the replacement in 3-5 business days. They decided to cancel and replace both cards as if they were lost. This was 6 weeks ago. After multiple phone calls to the Middle East and speaking to multiple people who are extremely difficult to understand, we received 1 card. Now, they can't seem to figure out if a second card was sent. This company is a mess."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c424198d9f2446fb049b0f2701efdc8
encoding: FLOAT32
metadata:
{"chroma:document": "I've been trying to contact for the past week to request a verification of payment letter. Every time I call they state it\u2019s takes 4-5 for a payment to process. I explain to the rep that is impossible. I made my payment with a debt card. She quickly change her tone and said I can put in the request but it take 48-72 hours. Ok that\u2019s fine. Here we are 3 days later no letter. I still have no letter. I keep calling and they're giving me the run around. First Rep I spoke to that was a manager Rep ** and he said like he was just reading a script over and over. The unhelpful second manager I spoke to said I just had to wait. Number **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 496718d0cb6d4b45880029905da8e814
encoding: FLOAT32
metadata:
{"chroma:document": "Back in March there was 6 of the same charges that I didn't make until this day they are fighting me for it. I was paying the minimum payment so I don't hurt my credit so now they believe that it's me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8b9483e69b748d8a1f8a29a001a368d
encoding: FLOAT32
metadata:
{"chroma:document": "I didn't order this card, but got a bill for the annual fee anyway. I told them and they said give it more time to arrive. Reeks of a scam. That's how they scam you; they make you think you ordered a card and were approved, and then send you a $75 bill for the annual fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f2e401dac2164c17b04086287477ad5c
encoding: FLOAT32
metadata:
{"chroma:document": "I got this card to rebuild my credit. Paid their ridiculous annual fee and used the card a couple of times. I missed ONE $30 payment as I had Covid. I continually communicated with them over the course of 10 days, set up a $150 payment. I paid and then they cancelled my card. I had it a total of 2 months. Paid them the $75 fee plus $150. The card still has a $225 balance on it and only had a $300 limit to begin with. Fee after fee will be charged for this card. It\u2019s a terrible card to have, there are others out there to rebuild credit. My credit was only bad due to student loan debt and no credit cards or credit card debt, so I needed a card. My fault for choosing this criminal company"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 33e612cb02a3411fb435e6b8411915b0
encoding: FLOAT32
metadata:
{"chroma:document": "I got this card some time back and have used it and paid it off..Now during this economy and at xmas time I 8 days late on the payment..Yes I understand I was late...8 days!! My card was shut down by them over a wk late when I needed them and my card the most. It was put on hold. I'm so not impressed and will no longer use this card...ever!!! I would understand if I was continuously late or was a 30 day late...but a damn wk??? I was counting on that card for groceries for my two toddler granddaughters...who now have none because that card was shut down without even an email or any notice..I will never recommend this card to anyone..The only reason I got this card in the 1st place was that it's a visa card..but hindsight??? Hell no!! Never again!!?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da0fdab395044cbe8e8634b762b56d10
encoding: FLOAT32
metadata:
{"chroma:document": "This website is down more than operational. Constant issues signing in, even a customer service rep I got on the phone commented on the horrors they have with the site. Updates take days to happen, they charge an annual fee via a monthly charge. Outrageous interest rates and almost impossible to cancel your account or close it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd984e79c6ce4140a617ce103946e989
encoding: FLOAT32
metadata:
{"chroma:document": "They approve me for a credit card and after a year using it I had to move to a different address. Well I end up calling and I never got the right help plus every time the phone call breaks up and you can barely understand what they say, and now I\u2019m so mad at them because they block my card. I can\u2019t used it and even that I told them that I provided a address identification they don\u2019t want to unblocked. I\u2019m done with them. Not recommended at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e88fb89fd4a44923847695083cfb6105
encoding: FLOAT32
metadata:
{"chroma:document": "If you pay the bill the says it's due you get a $30 late fee. I paid via express pay that instantly changes my available balance and they charge $4 for that option. Now the next day I get an email my bills overdue and they applied a late fee. So one day late you get a fee even if you paid the day the bills due and it shows on your balance. If they were honest there would be no fees applied if you paid on time. They think they can give, print this stuff and people just accept it. Now the arduous task of looking at 3 years of bills and getting rid of this mess to see where else I was charged for oddities or paid my bill on the due date. I have 2 of their revolving credit cards and nothing to do with their banking."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38d8cca5210f4e2eb759c38d36a5b82a
encoding: FLOAT32
metadata:
{"chroma:document": "I have a Credit One Bank credit card. I have had the card for 5 or 6 months now. They have refused to verify my bank account so I can pay. They charge me $5 extra every month for calling. They take money from same account they won\u2019t verify. Do this to 10 thousand people and you have an extra 50,000 someone should investigate this. I know I am not the only one."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b6eacf9897dd48af8f18986eed1ab613
encoding: FLOAT32
metadata:
{"chroma:document": "You'd be better off getting a loan from the mob. The interest rates would be lower but not only that they find a way to tap on an extra 30 some odd dollars on you for saying and pay the bill on time. When I clearly paid it the day before like I always do even adding in then I didn't pay it the day before and it would have been 10 minutes late it would have been paid after 5:45. If I had paid it on the day they said I did which I didn't and because of the 10-minute difference they want to add on 30 some odd dollars. I intend to pay this bill off with everything but the 30 some odd dollars cut up the card and announce to the world to watch them. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6f28c7cda83f489e9415f44604de14ca
encoding: FLOAT32
metadata:
{"chroma:document": "I applied and received a credit one bank credit card back in August this year. In October I paid the card off in full and changed my address. No one notified me of a block or any type of identity verification requirement until 8 days after they blocked my card and I called in because I was declined when trying to use it. They claimed it was for identity verification and my account was flagged for fraud. Since when is fraud paying a card balance off in full? ($995). They requested me to send W2, a UTILITY BILL to show my address, license/ID. I sent these items over a month ago and was told because I don\u2019t have a W2 I don\u2019t meet the requirements for identity verification. I explained I was on disability and I also then had to send my passport. Still no communication from them about why the card was blocked or when it will be unblocked. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46230a4984e548f09019be02673d0c20
encoding: FLOAT32
metadata:
{"chroma:document": "On Wednesday 11/16/22 I attempted to open an account. It took all my information including my birthdate and SS#. When it sent me a six-digit confirmation number it went to my junk mail. I called customer service and was told to check my junk mail and try again. When I started over, as directed, it said I already had an account, but when I tried to open it The website said I did not provide sufficient info to continue. I called back and again spoke to Joe in CS who tried to find my account but could not. He told me he would contact his superiors and find out how to proceed. He told me he would call me back as soon as he heard from them.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec6c83c691864b4080bb19433812390e
encoding: FLOAT32
metadata:
{"chroma:document": "I close my account on 11/12/22. I recorded the Operator #, and a Confirmation #. I was assured there would be no further charges. 11/18/22 - Receive email stating my statement is available. Upon review, my account was charged the 'monthly' portion of the annual fee...plus interest... WHEN? you ask, \"Oh the charge was on 11/17/22.\" Customer Service stated (called 11/18/22), that my account status was 'closed', WHEN? you ask, \"Oh 6:05 PST on...11/18/22.\" Are you kidding me. They left the account open just long enough to charge the fee one last time and then force me to deal with it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8758a5b20d2940f0a838e4b2fc0052be
encoding: FLOAT32
metadata:
{"chroma:document": "Every time they offer no assistance. They tell me they can't do anything. Takes 6 days to process payments. They refuse to change my billing date. What miserable company. They do nothing. They offer nothing. They do not care."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 771c6b74e6744f5e94d1293200d0e947
encoding: FLOAT32
metadata:
{"chroma:document": "I opened the card trying to increase my credit score. I don't use credit. I pay cash or don't get it. I can't login, can't pay my bill & can't get hold of anyone same as last month and was told no late fee because it was only hours after the due date which I had no way of knowing since I never got a statement and had been trying for 2 weeks to contact someone. I was charged the late fee and here we are again unable to pay my bill. I will be closing my account asap. Don't need the stress."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4fc4f1e39504b67a7e2b6e9cc1a194a
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is garbage. They prey on people by using tactics I\u2019m sure are illegal. Yes, I have had insufficient funds. When this happens they automatically unenroll you in autopay. When you log into re-enroll either the website is down or they make it impossible to figure out or get in touch with them. They are the first to report delinquency to the credit bureau. These suckers take advantage of people with bad credit and I would suggest all people considering this card to beware. They will be the first card I pay off and I will cancel my account. Can\u2019t wait! They suck and don\u2019t deserve one star."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1284efae79ae4914bbfa49309dfca4b3
encoding: FLOAT32
metadata:
{"chroma:document": "I have not had any issues per se with my credit one American Express card\u2026 I went almost 10 years without using credit and although had absolutely no bad credit and paid all my bills on time on my house, free and clear, and all of my vehicles etc with a strong net worth I ultimately learned my credit score was below 600 or at 580 when it used to be 800\u2026 It took me over a year to get it back up and I was dumb enough to get the credit one American Express card. Now I\u2019ve never carried a balance and I even used it heavily making sure each month it reported zero\u2026 The funny thing is they gave me a $500 initial limit and the day I received the card and activated it. They increased it up to $650. I\u2019ve had it for 11 months now and have received no other increases nor have I requested an increase. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d3d8aec6f6041628e05dc16911eabdb
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Visa card with this bank for 2 years. Recently my card became damaged. I called to get a replaced, only to hear first it would cost $22 then I called to report it stolen so I could speak with a human. I explained I have the card saved in my Google Pay Wallet as a virtual card but that I had now misplaced the damaged card. I got a rude lecture from some outsourced young foreign accented male (young as my grandkid probably), about it's my responsibility to take care of the card, when I explained I called the lost line in hope of avoiding what I feel is an excessive charge. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d3db5f987b449e4bd47fe99fa9b64b2
encoding: FLOAT32
metadata:
{"chroma:document": "I got a card but closed the account because not enough line. Was told the annual fee. Because I only had it 3 days now they are charging me the fee and late fees and interest on a closed account and calls constantly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc305da0f3c34b38827efa53086177db
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is absolutely horrible and does not respond to customers inquiries. I attempted to reach a representative and the automated system does not allow you to speak to a human. The only thing that they do well is collect your payments due."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9fb825567e1f4c41b6de95c59fed99e1
encoding: FLOAT32
metadata:
{"chroma:document": "I am no stranger to Credit cards. I currently have this Visa Card and am in the process of canceling it.. This Platimum Visa is one you don't want even if you want to rebuild credit as it won't help in that regards. It only reports to the credit bureaus about once every 2-3 months. It's so-called free credit report is highly inaccurate because they don't update it very often."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2aa3e3dc2e404941972a9938ef368203
encoding: FLOAT32
metadata:
{"chroma:document": "I like many others had credit issues and wanted to rebuild my credit. I received an opportunity to receive the Credit One card and would use it and pay it off each month. Each month I noticed different \"fees\" and would ask why my printed bill would say total amount due but when I call on the phone to pay the full amount there was another \"fee\" that could not be explained. I stopped using the card, then when my daughter relocated, I used the card. AGAIN, received printed bill for total bill amount, called on due date and paid total amount. Called two days later to make sure my balance was zero because of issues in the past and BAM, I was told I owed $54 because I paid my bill at 8:30pm on the due date and not 5:30pm!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e25b2b033039493bae7cad7f68059158
encoding: FLOAT32
metadata:
{"chroma:document": "Complaint Details. I closed both my 2 accts with this company back in March 21. After being alerted by Credit Karma in June 22' that I had a past due acct with Credit One, I called credit one's customer service and explained I no longer have any accts or a balance with this company and ended up escalated to a supervisor who said It only showed me as closing one acct not both in March and that I've since been charged a annual fee, late fees and interest on this acct. I said I closed this account already but haven't used it in at least 3, maybe 4 years, which is why I closed them to begin with along with Fraud getting pretty bad. I asked him to please reverse whatever charge they gave me and close this acct for real this time. He put me on hold to research my acct. He said they'd reverse the charge and he'd close my acct for real. Now he did close the account but didn't reverse the charge."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da2c3c4270ee4514b4d0b508c6e6409d
encoding: FLOAT32
metadata:
{"chroma:document": "Very rude customer service lately. I had 2 credit cards with them. One payment will go through and the other one will decline leaving me with return fees. They talk over you and don't let you explain.."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 04e2ab0b4f43458c8ab7faf641b42895
encoding: FLOAT32
metadata:
{"chroma:document": "Do not get this card. Very hard to make payments, they charge you to take the payment if you are not set up with bank account. I\u2019ve been trying to reset online app for weeks. They are no assistance, they never give credit increases even if your credit has improved, this is not the card you want to use to build your credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca681cd36c5f415abaacf77dd5ae603c
encoding: FLOAT32
metadata:
{"chroma:document": "On 10/3/22, I called Credit One Bank and spoke to representative Leo at 877-825-3242 who advised me that my October payment can be deferred due to Hurricane Ian that had hit Florida. He said my next payment would be due in November. All my other credit card companies were offering the same without any reservations. I received a bill that is due 10/20/22 in the mail. I called back Credit One and spoke to rep Shecila who told me she had seen note from 10/3/22 when I spoke to Leo but they cannot defer a month's payment. They can only waive a late fee.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4a6d32fef13427ea23518b16625f608
encoding: FLOAT32
metadata:
{"chroma:document": "I was approved for this card and made my payments on time every month sometimes $50 more than the normal payment. When I went to pay through the app and told me my payment was due the 13th of October this year but then my credit limit was gone. I called them. They said my payment was due on the 7th. I tried to explain to them that the app said the 13th. They would not work with me so I feel this was predatory so I advised them I will pay the card off for and cancel it. I feel like I was ripped off in so many ways. The app gave a different date so how us as the consumer going to know that it changed?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46e0a5e452684c3aae1b487cb1d308c9
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst bunch of scumbags ever. They immediately charge you a ton of fake fees and then make it impossible to fight them by not having any way to dispute a transaction or fee. I've had the account for one month and have had to call them 11 times and spends almost 7 hours on the phone just trying to get fake fees canceled. Over time the call 'accidentally' gets disconnected. So pissed off the government allows companies like this to steal money from people.  It's insane they can get away with this.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 704bb1e25fb648999fedd009bbef2dcd
encoding: FLOAT32
metadata:
{"chroma:document": "Had a representation call me at 8am on a Sunday a day before my payment was due, asked if this is how they do business? Their customer service said, \"Yes they call to remind you.\"- Sorry I am an adult and don't need 8am reminders.. Wtf. Worst 3rd world customer service ever- tried making my payments online and was unsuccessful so had to pay the fee and had to deal with customer service. Was offered a credit increase and was told there was a fee. What? Ridiculous, bad company policy. There is no reason for that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05fb6efd39634d0892fa772ec76bbbb5
encoding: FLOAT32
metadata:
{"chroma:document": "My purchase was declined today at the Emergency Vet. I cannot get into the app I recently downloaded and the representative spoke such broken English that I could not understand a thing she said, other than that there was no one in IT that could help me. I hate this card already and I haven\u2019t even started with it!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ca1e3283dc94296990bcb9a83b6cf02
encoding: FLOAT32
metadata:
{"chroma:document": "I live in Orlando Florida and these people called my 32 times asking me to pay a bill during hurricane Ian. While my house is flooding and fence and trees breaking all around me they are asking for a payment. I said I'm in the middle of a cat 4 hurricane and you are asking me to make a payment... They responded, \"Sorry you are having such a rough time. When can we expect a payment.\" Never in my life have I been so furious at the inhumane conversation. State of emergency doesn't mean anything to them! What happens next will be their own fault"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9367e0ae74e4408fbb7ce13ac9b7a9a0
encoding: FLOAT32
metadata:
{"chroma:document": "Received the Card a couple of months ago. Used it a few times. Paid it off before the due date $300 to 400 dollar payments at a time. Called customer service close the card, I told them the annual fee was too high. Customer service rep talked me into keeping the card after raising my credit limit to $500. And said I wouldn\u2019t be charged any fees and so I agreed to keep the card. Made another $110 charge on the card to pay my AAA bill."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7aaf426dbb6243d7890686190f967243
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One is horrible. They get a -10 in customer service, communications, process, and they don't give a crap about their customers. I got approved for their Wander credit card. I received the card, use it 4 times and they decided to put a fraud block on it. I sent copy of my driver license, bank statement. They didn't feel the bank statement was good enough, however o one in their organizations emailed or called me. I've sent several documents to prove I am who I am. I've spoke to numerous reps and managers. Here we are 4 weeks later the issue still have not been resolved. I've been told by managers they would call me back but that never happened. There are no words to describe how horrible this company is. My next letter is to the Better Business Bureau and the FDIC since they are a bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5b80c4e52b9486ba1d369ff6d3bb55c
encoding: FLOAT32
metadata:
{"chroma:document": "I made a two month payment back in the early part of Sept, called to see when I could use my credit card and was told by two representatives the card would be available for use on the 26th. Went to use the card and it said declined. Called Credit One bank and the story changed. Had to wait another day and no one would refund the money or open the card for usage when two representatives told me on the 26th. Very bad business. Please don't ever get this credit card or do business with this people.. I beg anyone, please don't use this company, they're awful and I never put reviews on a credit card company... BEWARE..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b7679a93cc5a41c2b4f47ed24a640d9b
encoding: FLOAT32
metadata:
{"chroma:document": "We made a payment to our credit card in the amount of $510 on August 21, 2022 from the same account and method all our previous payments have been made. Credit One accepted and posted this payment. On the app, it shows our credit available being $489. There was no correspondence to us nor did we receive our money back. However, we tried to use the card today to get supplies for a coming hurricane and there is a block on our card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08ec5f51b3f2471caccf5dd18d2f5c84
encoding: FLOAT32
metadata:
{"chroma:document": "Awful customer service! They charge you in order to make a quick payment which is clearly a scam in order to make people desperate for purchasing power even poorer. The only compliment I can pass along is that they have attractive card designs. Things got even worse when I called one day because of them erroneously reporting me as 30 days late on a payment, further damaging my already abysmal credit score. They then told me they're also closing my account because of a few returned payments, DESPITE the fact that I have always paid on time and have regularly gotten my account balance to zero. While sobbing on the phone to customer service they told me I couldn't do anything to stop them from closing the account, and that it couldn't be reinstated either. This company is so predatory and they can't even do the bare minimum for the well-disciplined customers like me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11f39f2110834c82846d9fa0c06143ba
encoding: FLOAT32
metadata:
{"chroma:document": "Got a credit card just the other day. Couldn\u2019t use it this morning at all. Turns out the second you activate your card they snatch 75.00 out so on a 300$ card you only get 220 and they think this is good business. So who in this nation think this is a good deal. It\u2019s like why do you make people jump through hoops if you're just going to take it back immediately. Horrible card customer service and bank. Please avoid at any cost."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7beaf572a1584593bfd1239147f7db28
encoding: FLOAT32
metadata:
{"chroma:document": "I've been a longtime Visa holder since 2021. Never any problems using my card nor making on-time payments. Until it wasn't. New card that I never ordered arrived in July but I never activated, because I didn't need it. Went to pay the bill on my original card, and the website was down. This happened several times thereafter. Forcing me to call Support just to pay on my bill. Then when I finally logged in, a small balance was now showing on the newer card that I'd never used. Support seemed confused over the situation, then reissued me a newer card! I'll be glad to pay off my balance and then say buh-bye."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16d80dbf7c1f4cd9bd13bf1717ac28d1
encoding: FLOAT32
metadata:
{"chroma:document": "Made a payment, even paid the convenience fee, just for them to put a hold on my account. Told me I made too many payments and that my bank is withholding the funds - which is incorrect. The funds have been withdrawn from my checking account. They told me if I want the available credit then I have to prove to them that the money came from my checking account - mind you, this is the same checking account I have used since I got the cc. Told them I would not do their job and they need to figure it out or refund my money. Supervisor was very rude and told me that I need to stay on top of my bills."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e453617bffd47df94137356ef244b6d
encoding: FLOAT32
metadata:
{"chroma:document": "This \"company\" is straight predatory and criminal. Opened an account in beginning of July. Did not receive the card until end of August and had a late fee for an inactivated card. Took no less that 5 days of calling to get the late fee removed. Used the card, made a payment twice the minimum and three weeks before due. Their response was to restrict my account making the card unusable. Spent three days dealing with what they call customer service to be told my account was only open to accept payments to the account. Asked why I could not access my available credit, got no answer, just told over and over again the restrictions could not be lifted."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 47e06af230064cab9cdeb85a1acd114e
encoding: FLOAT32
metadata:
{"chroma:document": "I had some fraudulent charges on my CC. I reported this to Credit One on 8/10 and they removed the charges and said they would issue a new card and mail it to me. After waiting almost 3 weeks I still did not receive the card so I called again and was told they had printed the card but failed to mail it. She said she would express the card to me. After another week I called again to find out the status of the card and was told it was never mailed. I asked for a supervisor who told me we would have to start the process all over again. It's been 32 days since I first reported it stolen and no satisfaction. I cannot believe they screwed up twice and then refused to expedite the card to me somehow. Very bad customer service. I am dumping this card company and going with someone else."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed33dfc110d849ac96394d34010fe98e
encoding: FLOAT32
metadata:
{"chroma:document": "My experience is exactly the same as others.... I had two cards, and suddenly one disappeared. Now they want all types of documents to continue, even though no late payments ever. Many others report continued harassment even when documents delivered... Some even continued fees even though account closed. I'm trying very hard to avoid this... Already have one account closed although never a late charge, or overdraft...They do not cooperate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eec2a14725694aa3ae6856ad564f728c
encoding: FLOAT32
metadata:
{"chroma:document": "If you don't pay to make the payments they don't post even if your money is in your account it will still show as insufficient funds if you use standard payment method. After three times of the payment being returned they will close your account after jacking up the interest rate and you will continue to make payments on an account that's closed and with a high interest rate and not ever be able to use it. I watched them tell me my payments were returned while watching my bank account and seeing them never even post while funds were there they would never even showed pending until I paid to make the payment via live payment. It's a scam. Now I am making payments on a closed account that barely ever goes down that's still accrues fees, I still have to PAY to make payments, and the interest prevents it from ever getting to zero."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f3f6e23a44c64ef5bf931482d092a5c0
encoding: FLOAT32
metadata:
{"chroma:document": "I just called 3 times to this company to ask about a late fee charged to me. The first representative was unable to tell me where I was supposed to see that I have to submit my payments BEFORE 5 pm on my due date and despite I tried to get that info, he hung up the phone call. The second representative, asked me for my full credit card number, which I have never had to do so and when I requested to talk to a supervisor, he hung up on me too. The same day, two SPANISH representative did that to me. I am Latino too and I have never been treated in that way in this country. That is RUDE and they should not work in that position at all!!! Respect your customers to be treated on the same way."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ab94d7af8dc427b9370ee07171487a6
encoding: FLOAT32
metadata:
{"chroma:document": "First call I received an Indian woman with a dog barking in the background. Second call Was an Indian man who wasn\u2019t even listening to what I was saying and kept asking me questions I already answered. Third call I received yet another Indian person who was asking me to verify my name, address, card number, social security number and asked for the pass code on the back of the card and how my name appeared on it. I asked for a supervisor and he stated he needed all these to access the account. But the person I talked to before the supervisor told me he was in my account. All I wanted was a replacement card because mine expired. This is a scam and should be investigated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b3bf14728c0d4c5b8c35bed13785c137
encoding: FLOAT32
metadata:
{"chroma:document": "Not very happy overall with the card. The fees are really high. The interest rate is not the greatest. There is no leeway on being late on a bill one day to 10 days. It doesn't matter, it's going to cost you about $30. Even if you've made your bill on time every time until then. So one day late for $30. I don't think I care if I pay this credit card anymore."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b257c8e9a09485289f536541d6092bf
encoding: FLOAT32
metadata:
{"chroma:document": "I was apply a credit card for them last year 2021. I was approve for the credit and never use it. I just notice they keep charge me for with their reason fees. I end up call them to cancel my credit and payment. I still paid last balance of $110.10 and I thought the account is already cancel. I look up on my email today 09/01/2022. Notice they charge me again Of $126.XX with their yearly fees and even told me to paid for the fees of pay of the phone $4.00. I was super upset already for paying this. After all, I told them again to cancel my account again. DO NOT APPLY with them. They will charge you for a annual fees, charge you late fee for not use their credit card. NEVER NEVER RECOMMEND."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63dd4a0716294e8082dcd2359c476d86
encoding: FLOAT32
metadata:
{"chroma:document": "I got this credit card, as an attempt to rebuild my credit. First thing was the $35.00 annual fee. Next, I was charged $29.00 late fee, even though it was paid on its due date. All they are is a scam."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa1107b3110e4580aacfccb224b16077
encoding: FLOAT32
metadata:
{"chroma:document": "This card is good to have if you are trying to build credit. The issues that I have with this card is the poor service on the website. At any given time, a customer will have difficulty in making online payments due to the site being down. When I spoke the representative named Chaquita, I sounded like an angry bill collector and I keep my Credit One account in very good standing. Chaquita also put me on hold when I calmly informed her that I was not aware of Credit One putting a ridiculous amount of .29 cents into my account. The whole purpose of that fiasco is verify my banking account number. I sometimes wonder why they don't use a verification application to verify such information. It was just weird. I use the card if I have to because I use my debit card most of the time. But, Credit One continues to have an inadequate website and poor customer service. I will close the account and take a loss on my credit score."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a234b358072d481cb2acd44403463c4e
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank is the worst! I repeat... DO NOT DO BUSINESS WITH THESE CROOKS!!! We settled on an amount in April 2020 and we didn't hear anything further. A year later we receive a court order from a collection agency wanting legal fees and the collection amount. We contacted credit one and they told us they don't have any record and they can't help us because they sold it to the collection agency and then hung up on us when we tried talking to them more. We called the collection agency and they told us they couldn't do anything and to call credit one. We told them we did and they transferred us a couple times. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d8a81a79e2c944b2b0bc28a89ccfe11b
encoding: FLOAT32
metadata:
{"chroma:document": "I received a card from Credit One Bank. I charged $350. I turn around and paid it off on the next statement. They took the money out of my account and turned around and said that I needed proof that the account was mine. I sent my bank statement in and a letter from the bank. Long story short, after going back and forth with them for two months. They closed my account. Question, if you thought that the account was in question of fraud, why did you continue to take money out of my account. Worst customer service experience ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 952f294489b741fcac730e383efe6bba
encoding: FLOAT32
metadata:
{"chroma:document": "I made a payment a couple days ago $370. On their app it showed it went through. I even received a notification that payment has processed. So I went to a store I frequent for some groceries and the register was for $80. I was \"not authorized\" for the purchase. So I ultimately called customer service and the operator indicated that I do not have the appropriate funds available... Needless to say, they have the worst way of doing things and if a payment is processed and it reflects it then there should be no reason for a \"decline\" at any register when the customer's information shows they have available funds and the amount they were using did not exceed it. This is a complete \"Misrepresentation\" of what is available and there is no way possible to tell what funds are available on the customer's end. Not to mention a total embarrassment!! That is wrong to do to people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3cd551d844d54b9ba0d626bec6dd2b08
encoding: FLOAT32
metadata:
{"chroma:document": "I have no complaints and thank you credit one bank for giving me a chance when no one else would. Yes the fees are high and interest rates are high, but they\u2019re taking a chance on someone with a low credit score. It was Very easy to apply for online and they also have an app to keep track of your spending and to pay for your card. I applied for a secured credit card with Credit One bank to build my poor credit score after my own bank denied me for a secured credit card. After a couple months of paying the balance off in full each month I was given an automatic credit increase. My credit score skyrocketed!!! A year later I was pre-approved for another account with a massive credit increase. Thanks again Credit One."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 74c8b80860914f8aba0c1681c3fad116
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One is one of the worst credit cards out there. The customer service is close to non-existent. Do not expect to get respectful customer service or expedient service from Credit One. Everything is done at their pace, and they do everything they can to no satisfy your requests. Another thing, that I did not notice at first are the reviews on their website. They have mostly 5-star one-line reviews that pretty much say the same thing. It appears that they wrote much of their own reviews. Knowing what I know and what I have experienced with Credit One, I, personally, do not see how most of their reviews are 5-star. In my experience, there are better credit card companies out. Considering the annual fee, I'm not sure that it would be beneficial to even keep the card open for credit reporting purposes."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc1c1f1061a84c74948fe7b1d77955f9
encoding: FLOAT32
metadata:
{"chroma:document": "I have contacted Credit One Bank about fraudulent charges on my card and submitted documents to verify my identity along with proof on those purchase over two weeks ago. I was promised it would take 7 days to resolve, now 2 weeks later I have contacted everyone in the company who could help with no avail. I do not recommend."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd897ac1e427467bba692b1aab3401bb
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible company. They messed up my credit score twice! If you ask for a letter for the credit bureaus they won't give it to you. No one is in the US so they don't care about your credit here in the States. It doesn't matter how bad you need a credit card... DO NOT GET ONE HERE!!!! The interest NEVER goes down no matter how much you pay on time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3a63f9632b44407a234fb8c17b6c58c
encoding: FLOAT32
metadata:
{"chroma:document": "On May 2022, I submitted an application to obtain a credit card and it was approved. I received the card later and when I tried to activate it didn't work. I tried to contact the bank many times with no response. I tried to purchase by using the card. It did not worked either. Today, I received a notification from my Credit Karma that Credit One reported me as I did not pay a fees. I tried to create a user ID and a password using the info on the card that I have never used, I found out that they charged me $75 as an Annual Fees plus late fees. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e2cd080675942dcaea8e5512a660064
encoding: FLOAT32
metadata:
{"chroma:document": "As others have mentioned, there is an annual fee and high interest rate, but my biggest issues are the ability to make payments and their customer support. I have never encountered a bank that makes it a challenge to pay them until using Credit One Bank. I have autopay setup and have learned that I cannot make any additional payments during a seven day period leading up to the autopayment. I cannot set up the date I want the autopayment to occur. And I cannot set the autopayment to be the current balance (only the last statement balance). Every question I asked their customer service representatives required being put on hold for them to provide the answer and when trying to rectify any of the above mentioned payment issues, I have been hung up on twice now. Only use this bank if you have no other options at all whatsoever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11a43dbb2cc24550823030ef93237b14
encoding: FLOAT32
metadata:
{"chroma:document": "Had to use my card to pay for court fees. Was late on paying it back due to court and lawyer fees for my divorce. Paid it off and they closed my account after they got my money. And then even charged me interest on a zero balance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a760a6a03adc450e91679e43adf8710a
encoding: FLOAT32
metadata:
{"chroma:document": "This bank hits you with high annual fees and lousy rewards. Their website is down 90% of the time. When you call have an hour or two on hand to wait on hold. It is very helpful if you speak Arabic because their English is hard to interpret."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45fd7d98fbe346a593f2ae303b74b5ec
encoding: FLOAT32
metadata:
{"chroma:document": "Had got pre-approved through Experian my credit builder and they still denied me and put a hard inquiry on my credit report. Dropped my credit score by 5 points. I\u2019m so upset why pre approve me then deny me. Doesn\u2019t make sense."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88b7feaec152455090b1a30a0b87532f
encoding: FLOAT32
metadata:
{"chroma:document": "This bank are ridiculous. I was perfect on payment. After I switch bank for the payment and paid off the balance. They ask me to verify my bank. I send in all the paperwork they ask for. They cancel my cards resulting significantly drops on my score I work so hard to build."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c66b8c3c2854f22a3d303c5f6f1eebc
encoding: FLOAT32
metadata:
{"chroma:document": "I have had credit one for some time now. It\u2019s the worst company to work with, they have absolutely no way to speak to a actual representative if you have a issue with something. They have a couple promps on their automated phone line which doesn\u2019t cover any of the reasons I have called. My online portal is locked out, can\u2019t pay online anymore whatsoever. And I need to speak to a representative but have no way of talking to one. I can\u2019t wait to complete close these! Never using these cards again. All of my other cards are so easy to talk to a actual person. This one, forget it. Look elsewhere!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a50084be0e6743a3830b00831cd1abbf
encoding: FLOAT32
metadata:
{"chroma:document": "This is by far the worst of the worst when it comes to customer service and everything else!! I have had this stinky card for 15 years, always paid on time, all of a sudden there's a restriction on my card because I made a higher payment than I normally do, that already cleared my account 28 days ago, with proof of payment provided to credit one??? How is restricting my account for my \"Security\"??? They're crooks, highway robbers, and con artists!!! They take your payment, use it to trade and make more money and refuse you access to your account!!! They're ready for a class action lawsuit! Closing my account and making sure all my friends and family do the same! Enough is enough!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 141abdaba39342f48b7ebae8a0201428
encoding: FLOAT32
metadata:
{"chroma:document": "So I was aware of the annual 99.00 fee. It was taken out when I first got the card. However, they have been taking 8.25 every MONTH for an annual fee. This was NOT explained nor did I see this in the fine print. Annual means yearly not monthly! So I'm now on hold for over 30 minutes because I'm demanding my yearly fee comes out once a year in which they claim it's not possible, but their website says It Is possible!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eba7226c846d46bd9dc42dbd615351d5
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{"chroma:document": "Credit One is a total joke. Like many others at one point I had credit issues. Yes, Credit One took a chance on me and, at the time, I appreciated it. Usually I did NOT pay my full balance each month; however, in June of 2022 I did. I paid $800.78 BEFORE the due date. A few days later I noticed that I had a balance on my account. Called Customer Service and I was told that was the interest I \"would have paid\" if I hadn't paid off the entire balance....WTH??!! I told them absolutely NO!!!! How are you gonna charge me interest AFTER I've paid the entire balance BEFORE THE DUE DATE??!! Yes, they removed the interest, but I can't help wondering how many other people they've done this to because I can't POSSIBLE be the only one??!! Told my boyfriend I'm SERIOUSLY considering a class action lawsuit!! My best advice...do NOT apply for this card IF you don't have to!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f39094e44bf4d90a4b4c0f1e7509c7a
encoding: FLOAT32
metadata:
{"chroma:document": "I cannot speak. I am disabled and have been in hospitals and rehabs for a year. With medicals, the card has too many fees and I am unable to cancel by phone with no voice. I attempted in writing three times but that did not work. Trying again today."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 20db1442e1dd440c8bf71b7e82567655
encoding: FLOAT32
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{"chroma:document": "I applied for a credit card with this company on July 10th online. Once I completed the online application, I was told that I needed to verify some information regarding the information submitted. I received two phone calls back to back but I couldn't answer because I was working. I called back and was told to call back the next day because they were closed. I called back the next day to be told that my application was denied because the phone number provided was a disconnected number. My phone has been in service for over 15 years with the same company. Don't waste your time or effort calling customer service. Now my credit score is affected for NOTHING. Poor company!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ebee9ae1b3d34d30be132d042e581ed8
encoding: FLOAT32
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{"chroma:document": "Yes, I understand that you must pay a horrible interest rate, and a ridiculous annual fee with Credit One Bank. They're taking a risk if your credit score is not high. However, you may be one of those that WANTS to build good credit AND pay on time. But their bank seems to do things in a way that seems like they're TRYING to make you fail. Unfortunately for me, I'm one of those people that DEPENDS on getting a statement. Get my statement to me, and I'll pay consistently. They couldn't do it regular mail, so I went paperless. That didn't work either. I just got online to see when my payment is due, and lo and behold... it was due three days ago. And imagine that, I got NOTHING telling my payment was coming up. Guess going paperless means going statement-less too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e0572de474446619ccc9db2639ee7a7
encoding: FLOAT32
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{"chroma:document": "I transferred the balance from my Credit One AmEx card to one with zero interest at the beginning of June. The payment posted twice so on June 13th I called Credit One for a refund check; they owed me just over $1100. The service rep assured me the check had been issued and I should expect it in 7-10 business days. Three weeks later on July 6th, I called wanting to know where my refund check was, and all the rep could tell me is that it's in \"pending\" status and to please wait another 7 business days for it to be shipped!! Ummm.... NO. I was told it was already issued and sent. I was transferred to a \"supervisor\" and was told he would personally research what is going on with the check and call me back within 24-48 hours. It is now July 12th and I have heard nothing. So now I have to call AGAIN to see where my $1100 is!! If you get this card, DO NOT over pay! You will play hell getting your money back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5cd8a1b11b6e404aa5d775f4530d6cfc
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Credit One card for almost two years now, and I just went onto the website and put in my log-in information and tried setting up a \u201cremember device\u201d option, and was sent a code via text message. I typed the exact code that was sent three separate times and was locked out of my account, although I got an email verification saying my device was successfully registered and was sent to a screen saying I needed to call customer services to be able to access my account again. I call and the man says I have to wait 72 hours to access my account again. I\u2019m just irritated by the lack of care I was just given and I usually don\u2019t leave reviews like this but this isn\u2019t the first incident I have had with this company but this was truly a breaking point for me. I just wanted to share this with others because I wish I would\u2019ve done my research before going through this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16e3896dce374106b8d3802d883df823
encoding: FLOAT32
metadata:
{"chroma:document": "Each month I get charge a fee with a zero balance, I don\u2019t want to close the card because it would negatively Hurt my credit score, but they are making money at my expense, I tried talking to them. They discontinued the fee for about three months after I threatened to close my account? This is the only credit card that has this monthly fee? It need to stop now!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17b878ca7c484d3b94608bd366dbee9f
encoding: FLOAT32
metadata:
{"chroma:document": "While this company is a decent stepping stone for credit improvement, they take advantage of people who can\u2019t get anything better. Their annual fees are ridiculous and so are their late fees. I keep the balance at zero on purpose, but I found random charges on there two or three times. Every time I called they would apologize and offer an extension on my credit, which I don\u2019t need because I don\u2019t use the thing. But they always removed the charges. My credit was excellent two months ago, but because of some random fee, they reported the payment as delinquent and knocked it down over 50 points. Why would I check the card when I\u2019m never using it? I was furious and shut the thing down. I have none of these issues with Capital One. If you have to use them, cancel the account as soon as you can get something better."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f6f4bb81d064a9fb4c8f9a83f3e577d
encoding: FLOAT32
metadata:
{"chroma:document": "This credit card is terrible. Their service is the worst. I reported a fraudulent charge of $ 152.73 and after a long investifation they decided not to credit the account. My advice is do not apply for this credit card, it is terrible, I wish I could give then a 0 but is not possible thats why I gave them a # 1."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 155fedb300df4221aaee21c50d664985
encoding: FLOAT32
metadata:
{"chroma:document": "My payment wasn\u2019t even due and on a Sunday called me so early in the morning and when I didn\u2019t answer because I was at church they kept calling me all day. Finally I got a call that I could pick up and it was harassment for no reason when my payment isn\u2019t even due. It was just to stress me out and I don\u2019t appreciate that call. For no reason just to have something to do they want to bother me. No thank you to this company; I\u2019ll pay them off and never go to them again. They bothering my peace on my holy day for no reason just to disturb me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 449d08d830cb408f9bb086a9b073b599
encoding: FLOAT32
metadata:
{"chroma:document": "First off if there was zero mark I would\u2019ve gave them so that one star is not my true feelings. This won\u2019t be short ok. I\u2019m a apologize upfront but it\u2019s all facts. They are quick to add fees just cause you looked at the card (the card is phony anyways). I had it for 3 months with a pitiful $300 limit (I\u2019m starting over don\u2019t judge me) and I used it 3x total. First monthly payment my bank account couldn\u2019t link with them which isn\u2019t my fault, as they state \u201cWe will send micro deposits to verify your account\u201d. How convenient. These ** would get the .10 an .03 to me the day my bill is due. So I\u2019m late. Next month I noticed my $300 limit is saying $370 (not limit) so I calls them and tell them exactly what happened and honestly I couldn\u2019t tell you what they said cause you can\u2019t understand them. I mean they\u2019re most likely in a tent in Bangladesh."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d2177c8823d485299d7809125ffe072
encoding: FLOAT32
metadata:
{"chroma:document": "I called and made a claim about a fraudulent charge that was done by someone else and somehow got a hold of my card. And yet this stupid bank is saying that they took the merchant's favor. As if I would lie about 21.99."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 51b36b6ab7d94e5b980f14d5db8f9516
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst company with the severely terrible customer service! I wish I never applied for this card. Customer run not walk away from applying to this company's credit card. There are hidden fees. They will freeze your account without notification when you have made many payments and you have to provide written proof of your account. Even though, they take your payment. When you provide the proof no one ever tells you that the account is activate again. If I had to do it over again, I would have never applied for this card with this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f64f22c0cdf84bb69ac9ecb7a32191d2
encoding: FLOAT32
metadata:
{"chroma:document": "I bought this card to build credit some years back. I terminated my account a few months ago after paying the balance off (A card company usually doesn't even let you close until your balance is settled). Since Closure, my card was still building fees and charges - I called and they said a late charge went through afterwards. Since my account was closed - I never got notifications nor could I log into my account and I was buried with a ton of charges and fees. Nightmare support and support. Borderline fraudulent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4bc345c63f0d41699ba712ef1054b55e
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this card for a little over a year. When I initially signed up, I was charged a $75 fee plus a $99 fee ALL AT ONCE. This is crazy being, the limit was only $500. Never even used the card at the time by the way. As soon as I activated it, I downloaded the app and there were the fees. Didn't really have a lot of money but I paid it piece by piece. Worst mistake. The fees on this card is astronomical!! I kept getting hit with $30 fees every time I logged in because of interest. If you don't pay the statement balance in full, you have will come to regret it. Also, I recently noticed a charge on my account that I didn't authorize. I don't even use this card anymore and don't know where it is so where did this charge come from? They also charge a monthly maintenance fee of $8 on top of the other fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f5235e15a5d545f69647d4e9d07a7249
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One repeatedly placed fraudulent balances on my account despite my account being paid in Full and not being used at all. Anytime I questioned the fraudulent charges, the charges would be drastically increased within 2 days time from $12 to nearly $100 or more. Credit One would then report the new 2 day old fraudulent charges in their notes and to the credit agency as months late. When I attempted call to find out why I was being charged ridiculous amounts, despite having NO balance and NOT utilizing my card? Or attempt to pay online(to avoid additional charges). The Credit One agent would get upset and locked my account, report false late payments statements to my credit and suspend my account."}


