Credit One Bank Reviews 1,208

I'm grateful for this card because I want to start rebuilding my credit, and this is a step in the right direction. Thank you, guys.

Card comes in handy when you need it and got increase within a month which is good thing. Also helps build your credit. The only negative is you have to pay fee from your balance

I closed my cc account before 1 year and they still charged me an annual fee and refuse to remove it which damaged my credit. Horrible company and horrendous customer service.

Credit One has excellent customer service and is a company that works with you. They have helped me build up my credit score. Credit One is a major bank and well known and they gave me a chance. Other companies gave me an opportunity after they saw Credit One gave me credit. I am very grateful for Credit One. They also reward you with extra credit when they see you always pay in a timely manner. Not all cards are like that.

Will I was not happy when I nade a 30.00 payment already and then I'm told I got to pay a 308.00 payment again this mo

I love the card wish it had a 500 dollar limit but it's a great rebuild credit card at 300 dollars

I disputed unauthorized transactions totaling $1,142 that occurred in another state, another city while I was physically in my home town

I provided time-stamped evidence proving my location, and my card was not in my possession at the time.

The claim was denied based only on “chip usage,” without any proof that I authorized the transactions.

The case has been escalated to the Office of the Comptroller of the Currency (OCC), and I am awaiting further review.

I am sharing this experience so others are aware of how such cases may be handled.

Great card I love it and I look forward to keep doing business!

I have no complaints I'm very happy with the new card

This is the worst bank in USA. Wife never used card tricked her. Beware this bank is a predator !!!

If I could’ve gave a 0, they would’ve got it. They take your money out of your account. Hold it well past the time it clears. For people with struggling credit and income, this can be super frustrating. This is supposed to be a beginner credit card to help you start out and get established, and their own policies help making that harder

First let me start with Credit One is great. My first experience using my card was not!! I had activated my card using the QR code. As I’m standing at the counter of a store using my card for the first time was actually painful. I stood there for almost 45 minutes as it continued to get declined even as I had the representatives on the phone with me during the process. The representatives were great but what I learned was the first one I spoke to said she had re-activated my card but actually had not. She then proceeded to inform me I would have to wait 15 mins to try again as a line was forming. It finally got figured out through multiple calls and standing there for 45 minutes. I was frustrated and embarrassed. Not a great start.

Filed fraud dispute with documented proof charges are not tied to my Apple account. Claim was denied without proper investigation. Currently escalating.

Credit Card Complaint Letter / Goodwill Request

Subject: Formal Complaint: Request for Late Fee Waiver and Credit Protection
To Customer Service Department,
I am writing to formally express my extreme dissatisfaction regarding a recent late fee charged to my account and the lack of communication from your institution.
I recently realized that my payment was three days past due, resulting in a late fee of over $30. This delay was entirely unintentional and occurred because I never received any billing statements from your bank—neither via mail nor email. I would like to highlight the following points:
• No Notification: I have never opted into "Paperless Billing," yet I received no physical mail. Furthermore, no email reminders were sent to my registered address.
• Good Faith Effort: I have always maintained an excellent credit history and value my financial reputation. As soon as I discovered the oversight, I immediately settled the balance.
• Brand Confusion: As a consumer, I found the similarity in branding between your bank and Capital One led to initial confusion, which was further exacerbated by the total lack of payment reminders from your side.
Given these circumstances, I respectfully request the following:
1. A full waiver/reimbursement of the $30+ late fee.
2. A guarantee that this 3-day delay will not be reported to the credit bureaus (Equifax, Experian, and TransUnion) as a late payment, as this would unfairly damage my long-standing good credit record.
I have been a responsible cardholder, and I believe this one-time courtesy is warranted given the technical failure in your notification system. I look forward to your positive response and confirmation that these adjustments have been made.
Sincerely,

.y credit score went up by 10 points just for having it. I also have $1000 in case of emergency. THANKS SO MUCH FOR YOUR FAITH IN ME TO REPAY.It makes me confident and happier knowing I'm in the geen on my credit score.

I thought this was a good credit card company until I was 3.00 dollars over my limit they reported too the all 3 credit bureau and made my score drop 13 points. And never reported my before time payments. Then a disputed a charged on my account and the charged it back to me..Not happy with them.

This was a very quick process and painless I received my card within days and was so simple to activate thank you so much

In the beginning they were awesome they were polite courteous attentive willing to help now they act like they're doing you a favor when you call and they point out the negatives when they begin their sentences with you you you never take responsibility for anything they never try to make it right they don't appreciate your business don't know what happened but I closed my account paid off the credit card not going to put up with it and I'm not going to put up with a 39 charge every year even though they told me they wouldn't charge it again and they reimburse me this time they refuse to reimburse unless I close the account so they could care less if they have anybody's business they're going to be out of business soon in my opinion.

Capital one is wonderful, I have been looking for a way to build my credit score and they gave me a chance to do so, I will definitely recommend Capital one to my family and Friends, thank you Capital one.