FNBM - Credit One Bank ripoff dishonest fraudulent billing beware City Of Industry, California

With the Federal Trade Commission and Office of Thrift Supervision.

Otherwise they will ignore you.

It didn't work, only the rebuttal button works!!! Credit One Credit Cards are a scam, plain and simple. More than 4 separate times I've been billed late fees after insuring I made my payments on time through my bank's online payment option and still I get hit with these ridiculous fees AFTER paying what I owe for the month!! This has been going on ever since I went over my credit limit and missed a couple of payments due to being unemployedd and unable to pay my monthly minimum even though I called them to inform them of my situation!! To make this short....I've been able to get back on track with my payments, yet every once in a couple of months like clockwork.... They sneak in a so called late payment fee as if I wouldn't notice it. Whenever I call them, their customer service is unavailable, whenever I do talk to them, they try to tell me that the computer access to my account is "Unavailable" and I should try calling back later!! At one point I paid $110.00 on a $34.00 minimum due bill and they had the nerve to charge me $35.00 for being so called late by one day!! When I challenged the rep to prove that i was late and asked her if she would like to talk to a real customer service rep from my bank....she immediately took off the late fee and apologized for the "Inconvenience". This credit card company is nothing more than a wolf laying in wait. I than God right now because I know that they are going to be made accountable sooner or later.

I have had my Credit One account for two years. First, their website and automated phone information never jives with their paper billing. For example. i received a bill just this weekend that says I owe a minimum payment of $40. My first wuestion is. Why did the minimum payment double when I just made two payments totalling $100 in February. Now, My payment is due, today. so I got online to pay it, and it says I have a min. payment of $0.00 due today. If I make no payment I'm sure to receove a phone call tomorrow asking where my payment is. I have now paid my original debt 4 times over. they charge me for even paying my bill!!!!!! This is rediculous and soemthing has to be done. Every other company I've ever dealt with is willing to help out, and I get nothing in the way of them wanting to help me settle this debt. They've made a ton of money off of me over the course of two years.

if you have ever had to pay a bill you should deffinately understand how a billing cycle works. there is a specific date each month that is called your cycle code. that date is the start of the new billing cycle. if you make a payment before this date they obviously it would not count for next months payment, it would count for the previous month. this is the same for all billing cycles. this isn't a policy from credit one bank, this is legaly how billing is supposed to be done. ever credit card company, every cell phone company, every credit lender works the same way.