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BestMoney.com
Credit One Bank® Platinum X5 Visa® Review
Reviews 283
Credit One Bank® Platinum X5 Visa®
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Credit One Bank® Platinum X5 Visa®
Poor
Reviews 283
Bestmoney Staff
Dec. 15, 2022
1 min read
BestMoney Staff
Credit One Bank® Platinum X5 Visa® Summary
The Platinum X5 Visa Card offers the highest Credit One cash back rate - 5% on eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases for the first $5,000, then 1% after that. Although the card has an annual fee of $95, its exceptional rewards and lower qualifications (fair to good credit) makes the charges easier to offset.
Pros
  • Earn up to 5% cash back across multiple spending categories
  • Rotating cash-back offers at selected online retailers
Cons
  • $95 annual fee
  • Typically requires good to excellent credit

Credit One Bank® Platinum X5 Visa® at a glance

4.0
Editorial score

Fees

Multiple fees
3.0

Eligibility (credit score)

Accepts most credit types
5.0

Security

FDIC insured, does not offer encryption software
3.0

Customer service

Multiple communication options, wide range of hours
4.0

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features
5.0

  

BestMoney Staff
Written by
Bestmoney Staff
Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.
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See what some costumers are saying about Credit One Bank® Platinum X5 Visa®
Credit One Bank® Platinum X5 Visa®
Poor
Reviews 283
on
Excellent
4%
Great
1%
Average
2%
Poor
2%
Bad
91%
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amanda
2 months ago
Hasta ahora ha sido buena 👍
Hasta ahora ha sido buena 👍. No tengo problemas 😌 con este banco. 👉 Hay aumento de línea de crédito y buena atención.
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jess
21 hours ago
Undisclosed fees
I opened this card when I had much worse credit. I now have a useless $500 credit limit that I've carried a $0 balance on for close to a year that now out of the blue charges me an $8 fee every month. Time to cancel.
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eddy jordan
3 days ago
You DON'T need a credit card from this Bank.....
I was approved for the Credit One VISA 5X rewards card and received the card along with a bill for $95. I called customer service and asked what benefits I get for this $95 annual fee. They listed many "benefits" like zero liability for fraudulent charges, free online account access, help with fixing my credit score and automatic yearly renewal for $95 a year. Good sales pitch but as I explained to them, all the benefits they listed I already get from my AMEX and VISA cards from other banks without any fees. My credit score is 780+ so why do I need their card? Well, they gave me a $50 credit. Great!! I still don't need a credit card for $45 per year. It took me 22 minutes on the phone with 3 different reps to cancel the card. But, they were still going to charge me for the annual fee. Good luck trying to collect a fee for a closed account with ZERO services rendered. This must be a Nigerian bank owned by that Nigerian Military general trying to move gold bullions out of Nigeria for his retirement account. Bad behaviour from a bank confused with Capital One.
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ary
7 days ago
Screwed
I made a double payment with my bank account not the express service days before my due date the funds sat in the account 4 days, the day my payment was due I got alerts saying I have a payment due. I tried calling to speak to someone directly no live assistance the next day I get a returned check email and a late payment charge! Complete bull**** paying this card off and never looking back. Do not waste your time or damage your credit with this company!!
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marvelous marble restoration
9 days ago
The worse financial institution that I…
The worse financial institution that I had to deal with it. I paid my credit card in full every month and after couple months they started blocking my card for no reason and they keep telling me that they need a bank statement to prove my payment but they took the payment out of my account is just ridiculous.
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ulloarupertoyahoo.com
15 days ago
The credit card that I got from this…
The credit card that I got from this bank came with a fee of $ 120.00 This is a real bad bank … They damage my credit… I really hate doing business with credit one bank… I’ll ever recommend this bad bank
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dannielle prevost
22 days ago
When I signed up for this card
When I signed up for this card, there was zero annual fee. After I got the app and looked at the card information, there's all of a sudden a $95 annual fee. When I call because the customer service person was telling me that he was going to work with me we got disconnected and then they closed my account f*** this place they are shady. I tried to call back three times and every single time every operator gave me the runaround and lied. They said that they charged me on $95 annual fee to rebuild my credit. I have a great credit score. I don't need to rebuild my credit. They are liars
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teresa fox
a month ago
They are sorry someone took my card and…
They are sorry someone took my card and put charges on it was told they would refund it never did there stupid and they have people who can't speak English
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ethan konkus
a month ago
Horrible bank
Horrible bank, opened an account with them, they call me about my bill but then say I’m not an authorized user. A total mess. Would not recommend you put yourself through this head ache
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robert h
a month ago
Complete Scam
I went to pay, which they charge you $5 to do online via a chat agent. The agent they hired is a scammer and said I didn't type YES fast enough, and closed the session in about 3 seconds, so they must get paid per session. And they want our SS number to pay which goes through these scammer chat agents.
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don juravin
a month ago
Terrible experience with Credit One Bank
Agents simply don't care. Very bad service and the card gets stuck and they are lost. Interest rates are much higher than others. AVOID Credit One Bank.
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grant whoosley
a month ago
Can’t even get a hold of them to…
Can’t even get a hold of them to activate my card literally tried every number listed on there website and none of the phone numbers are in service. Just wow
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josiah cullins
a month ago
Terrible customer service
Terrible customer service and still haven’t received my card and it’s been over a month ridiculous.
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jon putney
2 months ago
This is the worst credit card company…
This is the worst credit card company I’ve ever dealt with. I closed my account for fragment charges yet they continued to charge me fees, interest and late fees. It has taken almost 1 year. Cust service and fraud department are utterly useless. Stay far far away from this company
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fabi olí mar
2 months ago
Tengo una semana con ella y ya la odio…
Tengo una semana con ella y ya la odio por favor no saquen esta tarjeta
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emma
2 months ago
STAY AWAY FROM THIS BANK
This is the worst bank ever.. I was using my card fine, before they block it anywhere I tried using it. I called several times and spoke to agents from Philippines and India that never helped.. They hang up on you with no respect.. When a bank detects a suspicious transaction, they contact you either by email or text to verify the declined transaction.. That's not the case with this bank.. I spoke with several agents.. The last supervisor I spoke with told me that there is nothing that they can do about it when their system declines a transaction and when they detect a high risk website.. really?? So PayPal is a high risk website but an unknown website that almost scammed me, is not a high risk and it allowed the transaction??? Not only that, they all asked me to use a different payment method, as if I had other options, and I just had extra free time to call back and forth to use only their card.. This is absolutely non sense.. and the customer service is horrible and give you absolutely 0 help and there is no other way that you can reach out to them besides calling and having to deal with people from outside the US.. I would never recommend them to anyone no matter what the situation is..
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susan parker
2 months ago
DO NOT OPEN AN ACCOUNT WITH THIS…
DO NOT OPEN AN ACCOUNT WITH THIS DECEITFUL COMPANY. They have hidden fees. I applied to open the account. They gave me a $400 credit limit (!). I have another card with a 4K limit. Apparently when you first use the card, they hit you with a $75 yearly fee. Really? The charges were not even visible on my account on their website! I called customer service and questioned it. I understand the man I was speaking was just doing his job. I was insistent that the fee be removed. He kept telling me no, I kept telling him to remove it. He finally offered me a $50 credit which I accepted. I will be paying the account in full and closing the account. It is sickening that they do this to people. Shame on you Credit One. Horrible, horrible people taking advantage of consumers. Yes, I SHOULD have read everything. Lesson learned for me to be more careful in the future and to fully read the paperwork.
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terence montgomery
2 months ago
Bad deal I believe that even after a…
Bad deal I believe that even after a year they still won't give me a credit increase they are a waste of time I will pay by June if I can then close them out.
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min t chai
2 months ago
Worst credit card
They filed a collection after I paid off the balance and closed my account . If anyone wants to sue them and I will join you
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buster scruggs
2 months ago
STAY AWAY FROM THIS COMPANY!!!
STAY AWAY FROM THIS COMPANY!!!! Complete scam. They will block your card because you pay your bill. Nasty customer service
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sierra m.
2 months ago
Get with the times..
I opened an account with this back in 2010 when many banks required you to call in and notify them about your travel plans before your departure date. It's now 2023 and I was annoyed to find that this bank still requires you to call in and inform a customer service rep of your travel plans before departing. They also only give you 21 days and then you have to call in and do the process over. No ability to do this online through my account on my own and they also dont send purchase alerts to confirm that it's you like other banks. Very inconvenient and I would get rid of them if they weren't my oldest line of credit.
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lisa johnson
3 months ago
Do not get this card.
This company is so bad I had to contact the BBB. Stay far away from them.
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farshad frank khad
3 months ago
Warning! Everybody deserves better than this!
Warning! Don't go even close! If you are here in trustpilot then you are smart enough to understand my message. Everybody deserve better than this. I have a claim against Credit one on Better Business Bureau (BBB).
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jack hernandez
3 months ago
Be warned ...
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. Do not do business with these thieves.
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nzazi malonga
3 months ago
Do not deal with this company at all
Do not deal with this company at all. They can and will in-tangle you in hidden fees and damage your credit score . Got one of their cards never used it and they charge over 300$ in fees . When questioned they claimed fees and advances . Now having to waste time with legal to correct credit score . Thayer claimed I was delinquent. Never used the card . Don’t do business with them .
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paul hicks
3 months ago
A Company Predators
The complaint in detail on or about 08/29/2022, Credit One advised me they were changing my credit card from a VISA to an American Express and would be sending me a new card and was not giving an option. I make my payments from day 1 through my bank to keep a record, which shows they accepted my Payment on the 4th or 6th of every month, which is early, and so every Payment made from that point, they say my Payment was not received after several calls, emails to their website they correct it after a bunch of harassment and nasty messages claiming they are going to close my account, etc. Now it's a new year. The problem is still not fixed. In fact, I have two accounts, which are paid at the same time each month. The only account with the problem is the one they switch from a VISA to an American Express. I tell them each time what I think the problem is when they change the cards. The guy from India that answers the phone has no clue and can't understand him. CREDIT ONE Response is To speak with a representative in the US, you can call our Customer Service number and ask to have someone in the US call you back. It may take up to five business days for the follow-up call to occur. If you have any additional questions, please call ************** at **********, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time). Sincerely, Credit One Bank, N.A. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
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mimi
2 months ago
Deceitful Approval
Deceitful approval. I applied for a credit card. They sent me several offers, so I went online and filled out the necessary information. I was approved and took a screenshot of the approval which also stated after the verification process my card would be on the way. I received a notice in the mail that I was denied after they completed the verification process. Very sneaky!!! Consumers should not be told they're approved and a card is on the way. A complete waste. ***Update: about 5 days later, I receive the actual credit card in the mail. So confused, but wanted to give an update to be helpful for others.
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zac stotts
3 months ago
Literally a despicable company that…
Literally a despicable company that will hurt your credit, not help it. Do NOT use the app. It will return your payments stating there is insufficient funds when there is not. Then will give you the run around on why they didn't take it and you will still end up with late payments on your credit record. Avoid this company at all costs. It isn't worth it and will only negatively affect your credit. Would leave less than 1 star if possible.
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ely rock
3 months ago
They tricked me with $200
They tricked me with $200, told me it was a free gift, it wasn't.
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valistyc valistyc
3 months ago
Worst Customer Service Possible.
First off, what is this 1999? Their website barely ever works, it glitches out, it doesn't process payments, it doesn't load pages, gives constant errors. I called to cancel my account. I was hung up on multiple times by multiple reps by simply stating I wanted to close my account. They asked me if I needed assistance with the website, what part of close my account is hard to understand? They gave me the run around while trying to close it saying that I still paid my annual fee so I still had 6 months of use left. Told them to take my money and burn it, I am SO done with them. There are tons of other options out there, do yourself a favor and stay clear of this company.
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karen carlson
3 months ago
Sounds like a real scam
Sounds like a real scam. When i got the card in mail it looks so fake. I decided to call then they dont speak very well english. Reminds me of a then IRS scammers. So i hung up.
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wolf
3 months ago
TAKE THEM DOWN! ABSOLUTELY THE WORST
These people, this company, whoever they think they are? Need to be put out of business!! Please for the love of all that is sane in this world. DO NOT ACCEPT ANY OFFERS FROM CREDIT ONE THEY WILL PUT YOU SO FAR INTO DEBT 1000 times over!!! Do not let your friends or family or anybody you know accept this offer I beg you to please loan the money to your friend or family instead because you’d be saving them. I wish someone had told me how terrible them And Merrick too, really were!! My very first real credit card ever at age 29 and they return all my payments then charge ME the bull**** $40 fee for a $10-20 payment because ?? They don’t care about anyone or you or your credit (except making sure it stays under 550!! Idk what kinda business they run, but I’m already speaking to 3 different attorneys ready to file suit and they guaranteed me I will win by 99.8-0.20 chance!! If we win I don’t pay a dime to them or credit one. They charge invisibly fees or made up on the spot crap (their employees are told to make up fees in their call center!) which no offense is not even close to THE US. Capital One and Chase have been kind to me try them but please don’t just accept the first offer you get from any company!! I wish I never did I spent a year working hard getting my score up 100 points to 650 and in a matter of a week they managed to get it back to 515-540. Thats Fico and trans union. Oh one last thing; if you do get them, good luck linking any accounts because NOBODY WANTS TO DEAL FINANCES WITH CREDIT ONE!!
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d.stanley
3 months ago
Do NOT get this card!!!
Do NOT get this card!!!! I paid off my balance and they locked my account saying that my payment had to be verified. Now I have to go on a wild goose chase to get documents. It sounds easy at first but it takes 10 business days to get the document from my bank then Credit One said it will take 10 business days just to review the document! So it will take a month to have access to my card. I think they don’t like people paying the full balance. The customer service is absolutely horrible, all from another country which is very difficult to understand the reps. Not to mention it must be okay to overtalk and yell at customers.
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t. williams
3 months ago
LOST PAYOFF CHECK WON'T REFUND ME THE OVERPAYMENT AMOUNT
In April 2022 I refinanced my home and a check was prepared by my mortgage company (or 3rd Party affiliate) to pay off all of my credit cards in full. My creditor Credit One Bank was issued check # 641947 in the amount of $847.00. I personally mailed all of the checks at the post office in Forest Park, GA myself on or about April 11, 2022. All of my creditors except Credit One received the payments and processed them to my account with no issues. After 14 days or so the payment to Credit One still had not posted to my account. I contacted them several times over the next few weeks inquiring about the payment posting. They advised they did not have a check for my account. In May 2022, I contacted my mortgage lender and had the check reissued and I personally mailed it to Credit one again. The check was received, however, there was an overpayment of $66.72 because I made my regular monthly payment so as not to incur any late fees. I was advised that I would receive a refund check in 7 - 10 business days. During the chaos of dealing with the missing check, I suspended my account with Credit One via the Credit One app. I never received a refund check. I called to inquire about the refund in February 2023 ( I had forgotten about it because I suspended my card and was not using it). They advised that I received the check and deposited it into an account at US Bank. I do not bank with that bank. They refused to provide any information regarding the supposed deposit nor will they issue me a refund for the $66.72 that was over paid. THIS IS A HORRIBLE COMPANY
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dan d.
3 months ago
1% cashback is spotty, no messaging system, can't access website from outside the US
Their "1% cashback on groceries" card is a bit of a scam. You don't get 1% cashback at Target, or other large merchants that clearly sell groceries. Nor do you get anything back at local grocery stores that they don't categorize as such (e.g. Harvest Urban Market in San Francisco). You should instead get a Capital One card that gives back 1% on *everything*, and also has no fee. They BLOCK you from accessing their website to pay your credit card bill, if you do so from outside the US! The website also bans access through VPNs! No other credit card company I've used done this. I'm sure this is "for your security". What an idiotic restriction. They also don't have any online messaging system (if you do manage to log into the website). You must call customer service, or use their app. The app does work over a TunnelBear VPN exiting in the US, and I managed to pay my bill that way. Re. paying bills: they have a ridiculous "Express payment" option where you get "live representative assistance for a fee of $4.95". What the heck?! No other card has this scam option.
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jeff arthur
4 months ago
For company that claims to help build…
For company that claims to help build credit. They report to credit bureau. When I was one day Late. When . I called complained they canceled card Very shady
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shaka brewster
4 months ago
I love credit one
I love credit one, i didn’t have money to pay my bill when Covid hit, so they cancelled my card like all the other companies but they were the only ones that let me pay my balance to get my accounts back active ❤️❤️❤️❤️
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lily jameson
4 months ago
Approved for $600, but off to a bad start right away
Received the card about 3 weeks after being approved, and they charged the $39 annual fee right away, which I was expecting. And my available credit was $561. However, shortly afterwards, I went in to the app to make sure nothing fishy was going on (I've read a lot of bad reviews about Credit One), and sure enough, it now showed a new available credit of just $522, when I haven't even used the card at all. So I called customer service, and after putting me on hold forever, the agent comes back and tells me that they double-charged the annual fee, charging it again yesterday. BUT...it doesn't show this anywhere. I had to call to find out from them that they had ripped me off. They should've contacted me instead of my having to find out this way. I'm sure some people don't even notice, and they lose that money. The agent told me that this has happened before, and they (conveniently) have not fixed the issue. So no transparency, and no concern for fixing the problem - now I have really bad vibes about this very sneaky company. I'm considering cancelling the card because I feel like they will be doing stuff like this again in the future, and I can't trust them. If I stay, I'll be watching my account like a hawk.
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squishy
4 months ago
Worst customer service- awful card…
Worst customer service- awful card sorry I am SO SORRY I got it - My bill is due on 2/20 I paid it online 2/2 using my bank account - five business days later they still Had not taken money out of my bank account - I called them - No worries they said, (famous last words) it will come out on Monday - Eleven business days pass still not taken out of bank account - I call again “Oh ur check was returned” WHAT no way my balance was never negative and my bank does Not return ACH transactions - I come to find out there was a bank account listed on my Credit One website account that did not belong to me - I logged in and discovered wrong income info also - I asked why they did not contact me about returned check - You might just want to ask your pet - I told Them the correct bank info was entered on 2/2 and when I rechecked on 2/16 I noticed the account that did not belong to me was also listed BINGO- I asked “why would I give u an account that did not belong to me to pay my bill l, does that make sense to you”- There is no trying to rationalize with these people - Don’t waste ur time or the ding to ur credit report with this card - Capitol One is way better for credit rebuilt
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fuck you
4 months ago
Pathetic Customer Service ; Wont cancel stolen cards; wont cancel accounts; TOTAL SCAM
Worst customer service, they are all from the Philliopeneas and dont know hardly a lick of english. They don't cancel the accounts when told so, when told with an issue they just transfer, to transfer to transfer until you hang up. This company should be looked at by the US government by having the whole company based in the Philippians. They do not stop or cancel cards when stolen, they do not cancel accounts when told so, this card is a full scam. i really wish some lawyer will bankrupt this pathetic company.
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cida s
4 months ago
Restricted Card no Notice/Have to reverify yourself
They restrict you account without notifying you because they want cardholder verification again?! A copy of your drivers license and a recent utility bill....really!? You know who I am. Also, they will not remove their credit protection even though I requested to have it removed. They suck as a credit card company. It you have a choice go with Capitol One. This company is antiquated and the poorest customer service ever!!!
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tiberius woods
4 months ago
You will wait 3-4 months or more for a replacement card!
Run away from this company. Horrible customer service and no real results. I saw bad reviews for myself before signing up with this company but I thought that can't happen to me but I was very wrong. I lost my card over the Thanksgiving holiday. I called the company immediately for a replacement, and it is now February 13th and I still do not have a card. Credit One customer service department will bounce you around between reps and will say everyone is an account manager, even though they provide no actual results. Can you imagine the hours you will have to spend with their customer service to get a replacement card? I'm sure it's been 40 hours or more for me, from November until today February 13th. It's just not worth it. Run away fast!!! P.S. What makes matters worse is that they have sent multiple cash advance checks since I lost my card. So I know they have my address. It just seems like a ploy for me to get desperate and use those cash advance checks so they will get the extra interest and fees, instead of sending me a card that I can pay off before the end of the billing cycle with no fees or interest. Seems very shady.
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richard pepper
4 months ago
Do your job.
Lots of people write crap reviews because they get pissed off. Not right guys. I have a credit one card and they blocked my acct because I paid the bill off. They said they had to verify I paid it. They verified it the day I paid it off. That it came out of my checking acct. For almost a month they had it blocked. They sent notice what they wanted. I got it. Then that wasn’t good enough. So I had to go to the bank and get many more documents. Sent that to them. Next day I get a letter saying my acct had been suspended. So I called and they told me my acct was good to go. Someone not doing their job. They spent more time and money than I could spend in a year. Runaway. I have 6 months left. I signed a year agreement.At witch point I can Runaway.
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artem
4 months ago
Worst customer service
Worst customer service, WORST ever oh my god,they dont care about customer at all.Feels like im gonna close my account with them
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b gha
4 months ago
much interest
the bad cradit i have ever seen they will charge you many thing of interest and manual fee don’t accept any mail or create any account with them .
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mimi
4 months ago
I miss one payment because honestly I…
I miss one payment because honestly I forgot about it. These people credit bank one have been calling Monday through Sunday hour on the hour like just because they’re calling I’m going to make my payment any faster
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mike wolfe
4 months ago
Customer service is mind numbingly bad
Customer service is mind numbingly bad. 1 star is wayyyyyyyy to much credit.
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michael de castro
5 months ago
Worst credit card available
Worst credit card available, i got this credit card when i had bad credit. Today i sit at 740 credit score have, and have other credit cards. This one is so bad that you will get charge the anual fee month-to-month so i pay 9 dollars a month for free if you forget to pay it since you don’t use the account they will charge you a late fee for this anual month-to-month fee. If may credit score didn’t drop for closing an account i would close this piece of shiii.
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michael
5 months ago
READ ALL Negative reviews or scroll n…
READ ALL Negative reviews or scroll n… READ ALL Negative reviews or scroll n keywords scan through them. THIS is a BAD COMPANY!! They will harass you, their apr’s and fine print are insane and border line state legal. Shop smart, save, or whatever you need just please stay away.
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dustin brauns
5 months ago
Absolutely horrible institution
Absolutely horrible institution, mystery “adjustment fee” AFTER I closed my account, and paid the full balance due. The fee caused a late, which then gained a monthly service fee, that then snowballed over 3 months before they ever reached out. I closed the account and they continued to rack up charges on a CLOSED account! Run, Run, Run, these guys are literally the worst. Amex, Discover, even Capital One is better!
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heather
5 months ago
We just recently had a case of bank…
We just recently had a case of bank account fraud and had made payments to several creditors right before. Our bank froze our accounts and rejected payments that were made 2 to 3 days prior before we identified the fraud. Creditors were called and waived the returned payment fees EXCEPT for CreditOne. They claimed it was against their policy. Called on 2 different occasions. Have to pay the returned payment fee plus interest! What a joke!
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chris key
5 months ago
steer clear you will pay the…
steer clear you will pay the consequences even if they make a mistake on their end its still your fault and could cost you your credit
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daniel petty
5 months ago
Scam1 Bank!
Wish I'd have read the trust pilot reviews before I got a card from this company! The terms and agreement they sent me said I have 27 days from the end of each billing cycle to make a payment. I generally pay my cards off in full every month. I was called today and notified that I am past due and have been charged a late fee of $29.99. I asked them how I could possibly be past due since I just paid my bill off in full on December 14th and generated a new billing cycle. They told me I am misreading the terms of agreement, even though I just reread the terms of agreement, and they said they have a 27-day billing cycle and you are past due if you don't pay it on the 27th day of when your billing cycle starts. I have three other credit cards and none of them operate this way. It's just a joke. I had four different people give me the same spiel, then asked me if I wanted to speak to their supervisor before I told them I was just done with the supervisors I would pay off my account and close it. I agree with the other 261 people on this review list who said do not do business with this company!!
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slim dunkin
5 months ago
They have the worst customer service!
They have the worst customer service!! They can't speak english nor understand what you are saying. Next time I'll have my lawyer call. I suggest you mention a lawyer and I can gaureentee the tone will change. How do you give a due date for a card that has not been activated 🤔 nor received!!
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forrest hicks
5 months ago
Crappy ethics
So I got a credit one card to help boost my credit score but I started noticing return payments. I thought nothing of it until I got another returned payment. I called and was told I had insufficient funds. Which was not true. The account I was paying from was an account I through all my extra money into....not savings and that account has had a balance anywhere from 1000 to 1500 at any given time throughout 2022. I wish they would just have accountability for their network flaws and to be honest I don't won't to be involved with company that will terminate a relationship due to their networking errors. Not a single other account I had has had any issues. And I was paying 100 dollars a payment some time 3 times a month and was told I could only pay three payments. I have never been late and never went over available credit. Good riddings Capital One their are plenty other card companies that want my business. Send my my final bill and I'll pay it off all at once. Good day.
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willa duke
5 months ago
Wish I could give 0 stars
Wish I could give 0 stars! They sent a bill prior to receiving my card! Called immediately was told no worries disregard and your 1st payment will be due next months statement. So the date of 1st statement prior to receiving my card came and past......5 days later my acct was past due! Called was told no worries and was fixed! Still had available credit. Then 2 wks later my card was declined. Came home checked app once again I'm past due! Third time calling got all the way to manager after threatening to just pay off bal and cut up card......was sent to manager who said he fixed it I would have my avail credit within 24-48 hrs....72 hrs checked nope no changes. Called 4th the time was told adjustments were made but I had no available credit balance! I'm done with the garbage! Can't even speak to someone in US it's a call center where they read a script from somewhere in India! Do not do business with this company! They are not reputable they rip you off from the get go! Please no matter how bad you need a card do not use this bank they are not real!
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deandre
6 months ago
If I can give a negative star..
If I can give a negative star... I would do so. Credit one platinum is not the way to go! First off, I received an invitation in my mail box for a $3,000 credit limit along with a fake card. I filled out the application and was immediately approved. The card took forever to come. Almost a full month, which should've been my warning from then. I used the card regularly for small everyday purchases and made on time payments. Statements were always updated slowly but accurate. I then increased my usage with this card and eventually decided to buy a product which came out to the total of $951.32. Before any transactions were made, all my bills were paid in full meaning I would have a total of $3,000 available in credit before purchasing the product. I continue to do my everyday purchases as normal and pay 75% of my balance. Which would mean I'll have a balance of $863.49. instead I have a balance of $1239.15. Long story short, I was charged twice for one product. This is very inconvenient and I hope such matters can be sorted out soon.
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adam
6 months ago
Worst credit card company I have ever had to deal with…
My card was cut off for what they suspected to be fraud which it was not. I tried explaining this to them but they still required several documents from me. I have now sent them nine different documents which they asked for and each time they require a new or different document. It has now been two months and I have still not had my card turned back on. I have sent them utility bills, drivers license, social security card and two separate verification letters and each time they come up with some other form that they need. I have suffered greatly because of all of this because I use my card to run my business. I have still not had anything resolved and no help from anyone in this company. Oh and did I mention this is the second time I have had to deal with this. I would not recommend this company to anyone. Unless you like having a credit card which you cannot use and a company that does nothing to resolve issues I would stay away from Credit One.
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angela robinson
6 months ago
It has been 2 months and I haven't…
It has been 2 months and I haven't received my card yet. However, I got a bill for the annual fee. I will cancel the card in the morning. Never again!
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caressa dillard
6 months ago
Deceptive Collection Practices
I wish I could give no stars! I paid two cards off fully totaling over $1000. I did so in the app expecting to be able to use the cards again once the payments posted. I used one of my cards that shows the balance paid in full with the full credit card amount credited to my account in the app. It declined. I didn’t understand why so I checked the app and swiped again and it declined. I was so embarrassed since I was paying was paying for a car repair. I called the company and was told my accounts were closed. I let them know the app does not show that, no letter was sent, no email, no notification of any sort. I asked when and they said 11/2/2022. I asked how my accounts were closed for 45 days and I was not notified. They let me know a letter was sent in October letting me know if payment was not made my account may be closed. I let them know that was a threat of account closure, not an actual notice that my accounts were closed. Every agent gave me to another agent and the timeframe for a refund request went from 48-72 hours, 3-5 days, to 7-10 days. There was no actual timeframe and this was a request they told me with no guarantee of refund. I asked for a confirmation email and they denied me so I don’t know what’s really going on. I could of paid monthly instead of this big lump sum at once that I cannot use. This is the holidays. That was a deceptive debt collection practice!
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nuna business
6 months ago
Mailed a bill BEFORE physical card!
Got a bill in the mail before my physical card even showed up. Took 3+ weeks to get my card. Was told they would push my first payment date given the timing of the bill vs card. 2 weeks later, still showing a date that is coming up. Was told to wait until AFTER my payment date to resolve this, essentially ruining my credit with a card I’ve not even used yet… Asked for a supervisor, who clearly didn’t grasp the consequences of missing a payment date and he decided to HANG UP ON ME… Get on the phone with a diff supervisor, told her she had 2 options. Fox this or cancel the card effective immediately. She then gave me a provisional credit, which will post in 24-48 hours per her info. So we shall see. Overall terrible experience with a company from the start. I’m still on the fence as to whether I cancel the account or not. I guess we’ll know in 48 hours.
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daniel
6 months ago
This bank is notorious for being rude…
This bank is notorious for being rude and incompetent and I personally tire of their nonsense I was one day late on a payment and they endlessly blew up my phone with like 14 calls in one day.. Next they are stupid because they do not accurately update their end when you make payments I have had this card paid off for a while now and they still haven't updated it so just keep in mind these morons shouldn't exist at this point and proving that credit shouldn't exist either because they just abuse it and I am heavily debating cancelling this garbage all it's doing is damaging my credit anyways at this point way they are doing things so it's a bad joke to say paying them on time makes any difference
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greg glesener
6 months ago
Avoid at all costs
Horrible customer service. Eas unable to help me at all with what I needed, trying to pay them money and they won't take it.
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melissa
6 months ago
Horrible Company
Horrible Company. Not worth it if your goal is to increase your score. Here's why! Credit Reporting Agencies determine your score by several KEY factors. Payment History, LOAN TYPE (VERY IMPORTANT) & Available Credit to Usage. Pull all 3 of your Credit Reports & then compare Credit One Bank to other Credit Cards. 1st Problem Credit One Bank does not report to ALL 3 of my Credit Reports, Experian has no account for Credit One. 2. Payment Type will say N/R... If it doesn't say Credit Card Agencies can't determine type of account to give you proper Credit Score because there is nothing to base it off of from Info given to them. 3. Balance is missing from one of them. They appear to be intentionally driving your score DOWN if your a good payor. They don't want to lose you to another Credit Card Company if you pay good. I've had my card since 2019 with Zero late payments and keep balance low which always ends up causing me trouble from this company. Latest problem, I got locked out of my account. Customer Service wasn't available to help. They took a payment over the phone and promised me I wouldn't be charged the phone fee. This issue has been going on for a month now. Latest, I called this Morning to once and for all get help fixing access to my online account & tech support wanted me to allow them to take CONTROL of my computer through a link and then they could fix my problem. Yeah that wasn't going to happen at all. He continued to help me for a few minutes then out of the blue said I have to go now and I will call you back in 24-48 hours to finish up! I have no idea what is going on with this latest weirdness but I would watch your back closely with this company. Its a fee driven company & they are highly driven to do it.
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janet manning
6 months ago
Very bad customer service
Very bad customer service. I canceled the card at least a month earlier gave them information to pay the yearly fee that was supposed to be waived but they didn’t pay it. I can’t get a hold of anyone. Don’t ever use this credit card!
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jeff riedl
6 months ago
Reports misinformation to the Credit Bureaus
I will give them credit for approving me to get a card (albeit at an outrageously high interest rate), issuing the card in a timely manner, and correctly crediting my payments. The problem comes in when they lie to the credit bureaus about the balance I am carrying on the card. I filed a dispute with the credit bureau when I saw that a substantial payment had not reduced my balance for some time. They affirmed the balance in their response to the dispute ... a full two weeks after the payment had been credited to my account. It's appalling to me that any time a card is used and my balance rises, that event is reported immediately to deteriorate my score - but when a substantial payment is made, it takes MONTHS for them to get around to reporting that. So I called to ask them to do the right thing and correct the misinformation. 30 minutes later neither the front line rep or his supervisor were willing to assure me that the balance would be corrected. I suspect they spent more time on the phone making excuses than it would have taken to address the issue. I know which card will be the last one out of my wallet in the future!
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jc
6 months ago
They sold an account under my name and…
They sold an account under my name and social security number. I never had an account with them.
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cn
6 months ago
Unbelievable - 6 weeks still no card
Unbelievable. They made sure I got my bill, but they can't manage to get a card in the mail after 6 weeks time? Meanwhile their email system keeps telling me it has shipped. Business 101, don't send the bill and claim you're having shipping trouble. If they can't even handle the basic business function of delivering their product how can I ever trust them with my money and my credit?
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kcar
6 months ago
Horrible customer service
For building credit, they were useful. Customer service was horrible though! My wife and I both decided after many years we were tired of paying their monthly fees and wanted to cancel our cards. I called to cancel mine, the agent hounded me over and over again with different "deals" and I kept on saying no - finally I told her again I just want to cancel my card - she hung up on me. My wife did not have that issue, but she had over paid her acct, so Credit One sent her a repayment check that bounced! It's not even worth contacting them about this because the hassle is not worth our time.
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aj c
6 months ago
VERY hard to get a customer service…
VERY hard to get a customer service representative, but basically harassed me for a week when I was overdue with a payment. When I got someone on they line, they hung up on me
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etta
6 months ago
This company do not lend you a helping…
This company do not lend you a helping hand. They rather see you suffer it out. I advise those please do not reach your 90 days past due, because they will not offer you any help even if you have lost your job or hours have been cut at work. Instead maybe a week later after the 90 days they send someone to your residence with documents for you to sign in front of a notary to make you pay what you owe while still struggling. After asking for help like extension, late fee removal, or even credit protection, or even while card was stolen, they refused to help me before I reached my 90 days. I would not recommend this company to no one if your in this situation. I hope covid doesn’t hit as hard again because they will not help you out.
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chekesha
6 months ago
Since my account was opened this bank…
Since my account was opened this bank has provided EXTREMELY SLOPPY SERVICE. I don't like my credit card numbers or any parts of my social being repeated IF, I ASKED YOU NOT TO! It would be different if I didn't ask, but I always do! They say oh no, I wouldn't repeat your information, privacy is important and most of us works from home so it's not allowed. But, the moment I am done giving my personal info to be verified they say, OK, SO YOU SAID, YOUR CARD NUMBER IS **********. That is just terrible that any organization would be so very relaxed on violating their customers privacy. Credit One Bank is a Bad Business and provides bad Service. THEY DO NOT KNOW WHAT "ACTIVE LISTENING IS". And I do not bite my tongue, which means I prefer to SPEAK UP when it comes to my privacy. I mean what I say and in business, I don't joke. The managers gave me FALSE INFORMATION about my account when I called Sept 5th 2022. I was told I had two cards and two accounts when I know good and well, that I only have one acct and one card. I was being spoken to like I was the LIAR!!! When the entire time they were the managers needing more training since they didn't know how to read my account. They shared FALSE INFORMATION about my account simply because they didn't how to read it. I clutched my pearls in shock and I am still angry. Allow me to say this. AT SOME POINT IN A PERSONS LIFE, THEY HAVE LIED BEFORE! yep, that includes your ethnicity too! Now allow me to say this. ONCE I REACHED A CERTAIN AGE, I STOPPED CARING ABOUT MAKING FRIENDS AND LYING TO BE NICE. It's not like, you can pull out a belt and whip me! SO I SPEAK HONESTLY, BOLD IT MAY BE, BUT OH WELL... IT WAS REAL... You will love me or hate me! I am fine either way! I am private, I am honest and I file complaints when the customer service UNsatisfactory. I am not even looking for great although I deserve it. So trust me now or waste your time later! I have an account with Credit One Bank and it was the biggest mistake that I have made when I opened that account. You rarely get what you call for and that is so YOU WON'T CALL! They do that on purpose! I AM DISCONNECTED MORE THAN I AM LIED TOO. Both are constant! I filed a complaint recently since my last 4 of my current card was being shared out loud by a manager Dominick. Not just that card, be since they all stated that I have two cards and two accounts he wanted to prove it. So out loud he shared a card he claimed was in my possession. DOES THAT MAKE IT RIGHT IF IT WAS? And it was not mailed to be at that time, he just read my account wrong! This bank has agents who does racially profile and will disconnect your call 95% of the time if you ask for a supervisor. If I get to a supervisor, i have to speak to people like DEMI who heard my reason for calling 09/05/2022 and responded with, "I don't want to hear it". My complaints are always valid and I have never been able to provide a COMPLIMENT. Credit One Bank service is garbage! It's lousy and your information will be compromised and I speak by experience since it happened to me! Now when I call this bank, customer service either says they are closed or they tell me they can not help me going forward. I asked why and I was told it was because I filed a complaint. SO TO RETALIATE, THEY DECIDED TO MAKE SURE I AM GIVEN A HARD TIME FROM NOW ON... When I call, I have to be transferred to the corporate office and since my account isn't their either anymore, they transfer me to the PRESIDENTIAL DEPT. There is only one person in charge of my account and she's never available. So for what ever the reason is when I call, it's too bad because no one helps me. I am being penalized due to this bank violating my privacy and I reporting them as I should!!!! I reported them to BBB, CFPB and now Trust Pilot. So because I am dealing with this and it's stressful. They are losing a customer! SIMPLE AND PLAIN! Because I WILL NOT jump through hoops to get poor customer service in return. I should have canceled 2 years ago. I should have never allowed my account to build history. But now I welcome a credit score DROP! No matter what, since I have been treated poorly, nothing will make me keep my account open once it's paid off. And guess what? I am also almost there! MAJOR ISSUED ACCURED 09/05/2022
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nameuser
6 months ago
It's a scam
It's a scam. You will owe them money before you even make a purchase. In essence they are loan shark business. Additionally they abuse your information.
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christopher beaudoin
6 months ago
Horrible Company
Horrible Company. Overcharge on all their fees. The worst is if you have your wallet stolen they charge you $25 to get another card. Which is ridiculous so as soon as I have my balance paid I will be canceling my card. I'm not paying the $25 to get a replacement card that's ridiculous. Evidently they don't care about losing customers.
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brittany spears
7 months ago
Terrible Customer Service
If I could give no stars I would. Their customer service is TERRIBLE! I’ve only spoke with 1 customer service representative that was ever able to help me. I will be canceling my card soon and will be glad to be free of all their issues. You could have a minor issue and their service alone will make you want to just cancel and leave. They don’t understand about importance and emergencies and they don’t care. They will hang up on you mid call if you start to become upset and you will have to go through the whole process again of getting ahold of someone again just to explain everything all over again. The supervisors don’t have access to anything so they are useless and pointless to ask to speak to them.
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robert
7 months ago
Complete waste of time
Complete waste of time. Zero communication from them unless you call. Then they will tell you what they need. Sent copy of my driver's license. They couldn't read it. I waited weeks then I called them. Then they told me about the problem. Sent what they wanted, exactly what they asked for, waited another couple of weeks. Now they want something else. I told them their communication is non existent and I don't feel comfortable with this anymore. I would like my deposit back, they told me it would take 30 days for my refund to to mailed to me. 45 days later the money is still in the account and it's still open. But I can't use it.
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yonnah owens
7 months ago
This card and company are literally…
This card and company are literally useless. My car broke down and I needed this card for a rental vehicle. I knew that it would be a huge balance with the rental $400 hold, so I made a payment to make up for the amount the rental would cost me and I’d need the rental for a few weeks. My payment was made via their “Express” pay, which is an extra $4.95 and is supposed to instantly push your payments through. Instead, my account is now showing a negative balance even though you can clearly see that my payment had posted. When I called to ask them why I had a negative balance, I was told that my payment didn’t post and that I could make a payment in 3 days… (???) Why would I be paying you guys yet again for a payment that I had already made? But when I questioned that stupid logic, the rep clearly didn’t understand. I was told that I could be refunded what I’ve paid but it would be by mail!!!! I EXPEDITED THIS PAYMENT AND I HAVE TO WAIT FOR A MAILED REFUND????? This rep was reading from a script and clearly didn’t comprehend what I was telling her. Look elsewhere for a credit card because they clearly take advantage of people trying to rebuild credit. At some point this company has to be cognizant of the negative connotations and reputation that they have and should start making positive changes. They don’t seem to care about screwing over their customers because they know that there will always be dummies like me who will read the “outstanding approval odds” on credit karma and apply for their products like suckers.
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alan powell
7 months ago
They can't get 5 stars
They can't get 5 stars, because of my early experiences at initial "account opening" (opened an account, sent me a card, and made me jump through hoops in order to use it), and the initial fees. AND, when I asked for a credit line increase, on my AMEX... denied, because "not enough time having the card". That being said, shortly afterwards, pre-approved for their Visa (still fees, but)..... I have worked for MAJOR Corporate companies, where I have had cards, one including an AMEX. Never before would I have thought that I could have an American Express Card, on my OWN, especially with "non-perfect credit". No, it isn't "unlimited", WHICH IS GREAT FOR ME: makes me be financial responsible, AND helps my credit, AND... find it kind of cool, when I carry/use it, once in a while (I love Amtrak, and other things) to (especially if I am profiled, for wearing jeans, tennis shoes, and a t or sweatshirt, and ask "do you accept American Express?" I know that is "buji" but Me (limited budget, on my VA disability) and a good friend of mine (that has a MUCH LARGER budget) get a kick out of it. To some of the negative experiences (other than what I already explained): I have not had a problem with having payments posted, etc. Even when (once) I went over my limit, I was not charged an over the limit fee. Their interest rates are "reasonable"... all things considered (Generally I use Capital One (no interest on purchases until 2023, for me). Have not had to deal with their outsourced "customer service" SINCE the beginning (I agree with, and have had some of the same experiences that others have posted). To me, that is a sign of good. If I have a need, to call you (the correct number is written on the back of your card), I am generally not in a "good mood", anyway. I say, "generally" because I sometimes call Customer Service, just to say "hi, if I can take time to call and complain, then I can take time to give a compliment. Annual fees: I was fortunate to sign up (through Experian) with one that has no annual fee (Had a set-up fee, and the Visa....but)... ALL in all, I would reccomend getting one of the UNSECURED cards, and do what I do: store it away, keep it for emergencies, charge some things (btw.. if you book a hotel on booking, you get a better discount), pay your bill, on time, and go from there. BTW.. only took a week for me to get my PIN. Didn't need it, but tested it... just in case.. "in a bind", MANY places will not accept American Express, but most ATM's will :-)... INTERNATIONALLY... $10/5% whichever is greater on cash advances...
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janet zimmer
8 months ago
Wish I never opened this account
Wish I never opened this account. Big mistake. Horrible customer service. Long story short I have recently went through a hardship as well as affected by hurricane Ian. You would think these people would have some kind of compassion, instead I'm hit with $90 in late fees and a mark on my credit. Do NOT get this card!! There are better options!! Do your homework!! You'll be sorry!
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bcraine
8 months ago
I’m a customer and I had been making my…
I’m a customer and I had been making my payments on time. The payment I made was reversed and send bank to my bank. I was charged a late fee when I paid on time, and I thank that is crazy when they don’t except payment only from certain banks. Now I’m being added more late fees, because my payment was refused. I paid it from my bank account.
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steve s
8 months ago
I've had their cards for at least 1 1/2…
I've had their cards for at least 1 1/2 years when I call the call center I get India. They are dirty people and their customer service sucks. The latest call I made this stupid Indian started getting hostile
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as
8 months ago
Pretty awful credit card the fees are…
Pretty awful credit card the fees are outrageous and to charge a late fee the exact same amount as the payment do is horrible. I wish I never got this card.
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roberta trowbridge
8 months ago
Worst customer service ever
Worst customer service ever. Called twice and each time I was given different information about my account. Rude and cannot understand the person I am talking to.
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danilo monel love ynad
8 months ago
Very bad experience i have in this…
Very bad experience i have in this bank. Do not ever open an account with them. They always have reasons to charge you monthly. They charge you annual fee on a monthly basis and when you try to pay online through your personal account access they wont take payment and you will end up paying late fees.. I end up giving them money every month even if I do not owe this bank a penny.. such a disgrace.. had i known if that is how they operate I would never think of opening an account with them.. poor customer service .. dont have empathy on their clients.
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devondra beauford
8 months ago
Don't Waste Your Time
I have had issues in the past with them and I still have ongoing issues. This company is a complete generic version of capital one. I have had issues being in and out of work and they have zero ways of helping anyone because they only care about profits not about what’s happening around the world . I have never been offered a payment plan or any plan at that for the pandemic that is still unraveling because they have none, nothing established to help hundreds of struggling clients they have. Instead consistently add on late fees and call over ten times in one day for payment. Customer Service and Upper Management has a stiff upper echelon attitude very bigoted as if they are better than you and only pretend to care about your situation when it’s beneficial to them . I have advised several reps several times about what’s going on and why they have not received a payment they are completely tone deaf as to what’s going on in the world and could give a rats ass about anything besides their money .
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m thompson
8 months ago
they have tagged my account with $120…
they have tagged my account with $120 of purchases that i havent made. more than one phone call later trying to explain this to their reps, which cant understand or speak english, dont understand their own statements. this is not a card anyone needs. i have had to call every month for the last 5 months about a problem and when the problem is theirs i still get charged a late fee. DONT APPLY FOR THIS CARD, GO TO CAPITAL ONE OR ANYONE ELSE. THIS COMPANY SHOULD BE INVESTIGATED BY THE FTC
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eduardo hernandez
8 months ago
No sirve esta tarje te cobran de todo…
No sirve esta tarje te cobran de todo note ayuda en tu credito te siguen cobrando después que terminas de pagarles la deuda interses fantasmas
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rob rusnic
8 months ago
Poor Customer Service
Every time you try to get assistance on your account they hang up on you. Sad company need better customer service.
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jay
8 months ago
Abruptly closed my account
I had no issues paying my balance and was actually building my credit a little by using this card but for literally no reason, they closed my account. No explanation just threw it on my credit as a negative mark. Ive never had another company do this and it really just makes no sense. I wouldn't use them again for the shady way of doing business.
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steven d.
8 months ago
Avoid this place
Avoid this company. They charge fees and have terrible customer service.
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samantha c
8 months ago
I do not recommend getting a card…
I do not recommend getting a card through them. I got a credit card with a $300 limit. The fees are outrageous. They charge you more money to make a payment on your bill. They will blow up your phone the day your payment is due starting at 8am. They called me 26 times the day my payment was due as if I needed a reminder. I finally answered the phone, I was at work hiding in a room so I could answer the phone and the guy tried to get me to make my payment I told him I was at work that I would make my payment after work and he wouldn’t accept my answer and told me I could make it now while I was on the phone with him and I told him I was hiding in a room because he has called my phone 26 times and I didn’t appreciate it. He STILL didn’t accept my answer of me saying I’d make my payment after work and I had to get rude with him. This is extremely POOR customer service ! And HARASSMENT ! I will be closing this credit card as soon as I pay off the $200 I owe. Completely uncalled for to be blowing up someone’s phone the day their payment is due and calling more then 3 times a day is unprofessional ! I will be filing a complaint as well. Don’t get a credit card through this company, you will regret it.
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jessica hovater
8 months ago
According to their fine print
According to their fine print, you may change your payment once, after your first billing cycle. I need to change my due date by 3 days to match my paydays and tried- unfortunately it takes up to 2 billing cycles before it takes effect? How is this helpful? There is zero reason for this delay, as evidenced by the ability other companies have; it also renders this option pointless as I would obviously like to be on time NOW. Also, they charge you a $4.95 customer service fee to make an immediate payment, yet only $100 of your immediate payment is available; the rest still takes 7 days to become available?! So again, an absolutely horrible customer service policy. As it is, after making a regular payment, which comes out of my bank immediately, it still takes 7 days to become available. I will unfortunately be 3 days late on this upcoming bill, but it will be the last and only because I'm not using this card again.
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lyric grigsby
9 months ago
Card is not worth the Customer Service
Their customer service makes me want to close my account. It just isn’t worth it if something goes wrong. I successfully filed a claim with the fraud department for a number of charges on my card that were not approved. This totaled thousands but the rep said he would quickly get rid of the charges and send me a new card number with my credit $ replaced. Turns out he never left a record of this. In the system,He just recorded that I had a lost card. So, when one of the amounts showed up again months later, on my NEW CARD which the charging company had no access to, I asked them to review the claim and see What happened. There was no record of the conversation we had and no claim. I had to start the dispute for this amount all over again. Oh and no credit this time- which maxed out my card. Oh and it’s going to take 30-60 days… insane. I called so many times because the proof of this happening is in my bank statements. They don’t care. Told me not to worry about it. I am lost for words at this point and will plead on my hands and knees to anyone I know to not get a card with you guys.
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mkg
9 months ago
This company preys on poor people
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.
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delia valera
9 months ago
Es la peor tarjeta de crédito unos…
Es la peor tarjeta de crédito unos rateros mal servicio al cliente ni siquiera tienen personas que hablen en tu idioma bien súper malo.
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robert
9 months ago
Ive had my credit one acct
Ive had my credit one acct. For a little over a year now and they are wonderful! Ive been very diligent in paying my card down. And when i asked for a credit line increase i got it in 20 minutes. More than i even asked for. They have always had great customer service. I will be keeping my card with them but canceling my capital one. Ive recommend them to several people now and rhey have credit one cards and could not be happier. Tks credit one great job keep it up!
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hum'nbird
9 months ago
Worst ever
Omg they gave me a chance to rebuild my credit, on what freaking planet. First off no in where in any of my paperwork can I find where they inform there is a $75 annual fee on top of a $19.25 monthly maintenance fee. I'm sorry what exactly are you maintaining to charge me a fee for exactly? Not to mention what's the point of a credit limit if you fraudulently allow it to go over the designated amount. Which I can't even figure out how or even find where or how it went over the designated amount. I've never been late on my payments, yet I've been charged a late fee. I have even paid my payments early and way over the minimum fee. I've actually only used my card on posh mark and I had it paid off so I'm at this moment trying to figure out how in the hell it's over the limit as well as maxed out of plus charges for interest. Which by the way is insanely high. There are absolutely no new charges on my dam statement not a freaking one and it shows that I've made my payments so it doesn't make any sense whatsoever. Whenever I'm finally able to speak to someone they don't even want to hear what I'm saying. In turn I can barley understand what their saying I mean come on at least outsource with individuals who's accents aren't so thick I'm constantly asking for them to repeat what they just said. My credit limit is only $300 I've paid over $150 within the past two weeks yet my available balance to use is -$2.00 with a remaining balance of$201+ change how is that even possible. Oh right and they neglect to inform you that it takes 5-7 days to determine if your bank account is real & to do that they send you two small amounts less then 1.00 each and you have to respond back to them with each amount that they deposit. So making your first payment is ridiculous and causes you to have a late fee which they say they will reimburse you but they don't. This is the worst company ever to do business with. I highly recommend steering clear of this company as possible. My card has already been shredded and I'll be cancelling as soon as I get the fraudulent charges paid off. How is this company even still in business they need to be in prison they are thieves.
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rosa m pacheco
9 months ago
Paid off the account and for months…
Paid off the account and for months didn't receive emails or bills which makes since it was paid off then get a bill for an annual fee and late fee none of which i was ever made aware prior to this bill horrible customer service paid my annual fee and closed the account just so I never have to deal with them again capital one at least owns up to there mistakes and corrects them never ever do business with these people
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trusting transportation
9 months ago
I opened one account with CREDIT ONE…
I opened one account with CREDIT ONE BANK and although that was the biggest mistake, it is still only one. I called for a different reason on 09/05/2022 and since I do not deal with agents anymore since they do not listen and will repeat your personal information. **1st call, I was transferred to *Angelica the Supv, she asked for the last 4 of my card and I asked for nothing to be repeated and so she repeated my card number. She then said which account are you referring to. I stated that I only have one account and one card and from there she accused me of knowing about the 2nd account and 2nd card. I asked for her manager. *Mark came to the line agreeing with the supervisor which meant they were both clowns and incompetent since I only opened ONE ACCT. They didn't know how to do their jobs! THAT'S A PROBLEM! I called again and transferred to Katherine the Supv. who allowed me to speak and at the end she wanted to transfer me to her manager, SHE NEVER VERIFIED MY ACCOUNT. *Dominik the manager answered the call and stated that I did not have a 2nd acct and I do have a 2nd card. I stated AGAIN, I opened ONE ACCOUNT AND I HAVE ONE CARD!!! I do not like my card numbers repeated so this clown decided to not verify my account and share what the last 4 of my card numbers are and the last 4 of the card he claimed I had. So he shared both to a caller he never verified. THAT'S A PROBLEM! In that entire call no one verified me. I stated to this manager everyone including him will be reported and he stated GO RIGHT AHEAD AND MAKE SURE TO MENTION THAT I AM A MANAGER AND THEN GAVE ME HIS EMPLOYEE ID NUMBER. 3rd call, I was transferred *Demi the Supv answered and heard me out and cut me off in the middle and said, "I REALLY DO NOT WANT TO HEAR YOUR RANTING". I stated you need to me more professional and less TACKY! You have a job to do! I asked for her manager and she stated she didn't want to transfer me to a manager and said, "ALL YOU ARE GOING TO DO IS HANG UP AND CALL BACK AND ASK FOR ANOTHER MANAGER"! I said your negative comments are best kept to yourself and now I will be adding you to my complaints for being IGNORANT. She stated she wanted to have the corp office call me, I requested for a manager and that is where I was going! She didn't verify my account in this call before she transferred me. *Ken the manager answered and shared that Demi the Supv. called me A CONFUSED CUSTOMER!!!!!!!! Then he stated that I only have ONE ACCOUNT AND ONE CARD AND THAT THE SUPERVISORS AND MANAGERS WERE WRONG AND DIDN'T KNOW HOW TO READ THE SCREEN TO GIVE CORRECT INFORMATION. I asked Ken how come he didn't verify my account, so he transferred me to his manager. *Elma the Sr Manager came to the line and I had to explain ALL OVER AGAIN AND THIS TIME REQUESTED TO FILE COMPLAINTS. At the end she stated, "I agree with Ken". I said Ken didn't verify my account either! The call went silent! I also stated Dominick shared my the last 4 of my card number and the last 4 of the new card that is coming without that call being verified. SHE STATED, HE DIDN'T NEED TO SINCE THE SUPERVISOR VERIFIED YOUR ACCOUNT. I stated that she did not verify my account and ask me first before before you assume and so now there are two calls on 09/05/2022 where my account wasn't verified. Then she began LYING! I REJECTED THEM AND HER! She stated that as long as you type in the last 4 of your social in the automated system, you are verified! So I said, the explain why Angelica asked for the last 4 of my credit card number and repeated when I asked her not to? Then Elma said, OH correction! When the system verifies you, all you need to do is confirm your name and give the last 4 of your SSN. I So I repeated, the why did she ask for my credit card number? Elma because frustrated that she was caught in her lies! So she said, "YOU'RE MISUNDERSTANDING ME". I stated people say that when they are WRONG about something and it's REJECTED! I understood YOU LIED clearly, THERE IS NO MISUNDERSTANDINGS. You're just getting caught in your lies and changing your story and on a recorded call. So I will ask for it to be monitored since you need help with your lie. As clear as she lied is as clear as I heard her! I told her she will be added to my complaint. She stated that the Verification process changed in August. So I said, then stick with the change and DO NOT CHANE IT, TO MAKE THE CLOWNS I SPOKE TO LOOK BETTER BECAUSE THEY WONT! They failed! And I still do not have two accounts or two cards. The call went SILENT! I said I want my complaints to go in and then she said, she didn't know what to type. Brad called 09/06 and Zack 09/07 THEY DIDN'T VERIFY MY ACCT AND TRIED GETTING ME TO ACCEPT CHANGES! Credit One Bank is a JOKE and now I am contacting the Attorney Generals Office because I checked my Transunion Account and I saw two accounts from CREDIT ONE BANK. Now we're going to have a problem, including all accounts closed!
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amber montrevero
9 months ago
Great for credit building, but horrible for actual use.
I've only ever twice been able to successfully sign into their online account access. The first time was when I set it up, the second upon my second login. After that, it says my username or password is incorrect (I know it isn't, it's saved in my Google Passwords...) Anyways, I successfully login and *BAM* wants me to verify via text. "Alright," I think, "this is fine." I put in the 6-digit code they sent to me, click "remember this browser," and give it a nickname. "Incorrect username or password." That's off... I reconsider and doubt my memory, it says it's incorrect, so I do "Forgot username or password?" Then, I see that, indeed, my username was correct, but proceed for the temporary password thinking perhaps it MUST have been the password. I apply the temporary password with my doubly-checked username and it says, "Access to your account has been temporarily suspended. Please call Customer Service at 1-877-825-3242." Whoa! What just happened? I then proceed to call the number to only get an Automated bot who gives me no option to actually speak to a representative about an issue, as well as not being voice-activated. I then call a few times, doing their rodeo until I became fed-up with the bot and spammed star until the bot forwarded me to someone who answered. Useless as the bot! I can accept the fact that they outsource their labor to those overseas, I can accept not everyone has perfect English. In fact, I expect it. However, what is the point of being told by the website to contact an almost uncontactable customer service line if they cannot even help you with your issue? A 24-hour ban on my account is definitely not what I want to hear when I'm just trying to access my account balance so I know how much I have so I can go buy diapers. Now, my baby is wearing his last diaper and I cannot buy more because I now have to wait until 6PM-EST tomorrow to access my account. I had to wait 5 days before I even got the balance to be available after paying more than the amount requested as a minimum before the due date, but now I can't even see the balance to use the money for ANOTHER day. "I'm sorry, but I cannot lift the ban as it is automatic from the system." I ask, "can your manager lift the ban?" He replies, "no, none of us can. Not me, not my supervisor. You just have to wait until tomorrow evening to try again." I had explained how I got locked out, what happened, but he simply stated, "while it may actually have been the system's fault you were wrongly locked out, I cannot do anything about it." I then said, "can you at least alert your supervisor that it is hard to even get access to a human representative?" Here's the kicker: "We already know some of our users find it hard to access a representative. You may find it easier to contact us next time by clicking the 'pay with a debit card' option when it comes up, then when a person answers, let them know to forward you here, to customer representative call center, instead." Yup, that just happened. Me, being the person I am decides to press this. "So you already know that pretty much no one can get in touch with you guys via your automated system?" He then confirms my rhetorical question with: "Yes ma'am." Shocker. I then proceeded to let him know I will be paying off and cancelling my account because this is all the worst experiences I've ever had with a bank. Yeet!