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This is one of the very worst scam credit cards ever. The charges are through the roof ($69 enrollment fee, $69 annual fee, 23% taxed on if you pay late + $29 late payment fee, etc etc). This company logo looks like Capitol One, and the whole junk mail looks like Visa is sending it themself. It had my name printed on it, so now I'm going to find out how they got my name. They even have a debt management program for their customers who file for bankruptcy! SCAM SCAM SCAM SCAM SCAM.
End result I had to pay a late fee even thou I wasn't late . no one has yet to tell me how a money order has NSF .
I was a good credit before i had the bad luck to get this credit card . i had some money issue so i had to accept this fraud card, i paid first and second month and at the third month everytime i try to log in to pay i could not, i thought there was a problem in the website and they will fix it, i was working at night so i used to try to call them at the morning, then all of sudden i received a call saying that it is a collection and i have to pay some amount of money, i could not belive this i called credit one and they said they have no record to me any more they already sold my account. when i found that i was under fraud and i can not take my right back and they already damaged my credit i said i will not pay anything for the collection i felt like if i pay the monet then they got what they want which is stealing people and have them lose their credit. i said no way to be part of their dirty plan but it end me up to lose my good credit until next 2015 . i wish from the bottom of my heart that this combany get bunich and charged as much as they damaged the life of many people .
I started off with creditone and orchard bank and I always paid my bills on time now I got approved for a car lease is all you gotta do is pay your freaken bills ontime if you don't then your gonna get screwd up so go ahead and blame your prob on them and not your self and fool yourself your the problem by not paying on time creditone and orchardbank got my credit to 790
the same thing happen to me, i did not activate but receive a bill for annual fee of $75.00 plus design fee of 6.95. I call them today told them i never activated the card, they said they will cancel the acct. which i never had, will this have an effect on credit report?
THis company is a ripoff, i got my first statement, only had the account open for a month, they are claiming i owe 2 payments and a late fee when my first pymt isnt even due until 12/1/12. This company just wants your money. There people are scammers, it has nothing to do with paying on time, i always pay my bills on time, but for them to lie to you just to get money out of you is insane. They are not running the business like they should be.
@creditdebit Be kinder to people, not all people are really capable of understanding that print and companies do take advantage of these people. Be grateful your not one of them and maybe try to help those that can't understand it. Or just say nothing if all you have are criticisms.
i call the creditone to get my balance the man on the other in kept trying to sell me a deal on walmart voucher i told him i didnt want he wouldnt no for answer he said that will be a charge on my bill and my wife told him their better not be charge on it and then he told my wife to shut up several times and he was very rudeto us
Terrible company, employee mistakes that they put on you. The larger, on time payments you make the more trouble they give you. I even had returned payments of certified money orders. There not a bank, there loan sharks trying to ruin your credit.Im contacting the Attorney Generals Office Of the state of Nevada to see what they can do. I HOPE THE REST OF YOU FILE A COMPLAINT THERE ALSO.
What is even worse is that EVEN IF you cancel your card, Credit One charges customers a monthly fee IN ADDITION to APR. So. even if you do NOT receive paper billing statements and even if you make all your payments electronically through your bank (so there is not even any check to process), Credit One gouges their customers by charging (in my case) $8.25 month to do absolutely NOTHING.
Don't bother contacting the Better Business Bureau because they are totally useless. They couldn't care less about the fraudulent business practices of any bank.
I cancelled before activating and they said they were still gonna charge me. I told them “how can I pay that charge if I don’t even have an account?” They started arguing and I said that I was recording the call too. Everything changed - she processed it and zeroed the balance. I recommmend recording your call and advising them you will send the recording to the ftc and the cpfb.
If the fee is billed at 8.25 per month it is a MONTHLY fee yet on the credit one statement it says $8.25 ANNUAL fee. SCAM. I couldn't believe it when I went as far back as May 2021 and noticed I was charged every month. Spoke to 4 managers there and all they would offer me was a credit for 2 months. I said I want 11 months of fees credited. They said "we can't" I said " close my account. Had I l known I was being charged 8.25 monthly I would have canceled a year ago."
$99 a year (8.25 X 12) for a $400 credit limit. OMG
This company has fraudulently and knowingly stolen my name and personal information and stolen money from my personal bank account and refuses to reimburse the theft and continues lying to the credit bureaus. They have ZERO employees that speak clear concise English, it's nearly impossible to get anyone to answer the phone anyway because the system is 99.100% automated and on the exceedingly rare occasion you get a human their accent is thicker than chocolate and they pretend not to understand you and refuse to change any information. They pretend they're going to put a supervisor on the line when you complain, and it's actually just them putting you on hold before the same person who pretended not to understand you comes back on giving the same lies for answers. They claim they can't help you and insist on trying to send you a credit card and maintain the account full of money they stole from you and refuse to accept any other answer.
I have had credit one for years and have 3 credit cards with them and never had a problem. They don't steal or they wouldn't be in business this long. Horrible thing to say about a company. You had a chance to prove your facts with uploading photos
Sorry but they have always been a good company with me for years
i just recently had same experience. my account with a $50 balance was double maxed out with fraud in sacramento, i live in san francisco. my $500 limit card has $900 balance and it’s nearly all fraud. no access to any of my financial records but they are telling me i’m now late on payrmnt. Also, i called about the fraud when it happened to dispute as well as i received credit one text notifications as it happened warning me they my account is under suspicion for fraudulent activity.
all outrageous and complete theft by a supposed legitimate company. Also seems what they did was trigger some new device log in security measure to kick me out of online services and hence from viewing any accounting, statements, or evidence of all of this crime. even though i have the same device and log in that i had been using for 1-2 years. email is natebarry20@gmail.com if anyone has ideas or a credit one contact to a person or dept that actually isn’t part of the company’s fraud and collusion.
Approved for a credit card on November 9 2022 I then was emailed that the card shipped on Nov 17 then on Nov 28 I called cause I hadn’t received the card yet and was told it would ship in 24 hours. I then called on Nov 29 and was again told to call in 24-48 hours to make sure the card shipped. They give you the constant run around and give you [censored] [censored] excuses as to what is going on. You can’t understand the customer service representatives as they have very strong accents. It’s literally a nightmare but if I owed them they would call me 10 times a day but I can’t even get a legit answer from them. Very rude and very unprofessional. Credit one is definitely a scam