Credit one bank -worst company EVER!- Las Vegas, Nevada

  I've had a credit one card for almost a year now.  The first thing I did was get on their website and make a payment towards the fee and to find out when I am due to pay my bill.  There are two ways to pay it by standard payment which is free and express payment which is 9.95.  I use the standard payment because I pay way before the due date.  I have never had any problems with them using the website.  I am pretty happy with Credit One. 

If I can understand your description of a supposed ripoff is you claim to have not been receiving statements from them.  Because you have not allegedly received statements from them, you have not made payments or made payments after the due date apparently because you only found out a payment was due when calling them.

A reasonable person would understand a credit card account is paid monthly and that payment is due on a particular date.  A reasonable person would expect to receive a statement of account once per month.  A reasonable person would know there is a way to contact this credit card company as per the toll free number placed on the back of the card.  A reasonable person would call that number to inquire why the statement did not arrive because that person would not want a payment to be late. 

Instead, it looks like, as per your admission, you did not receive the statement and did not bother to check with customer service to inquire as to the status of your account.  You continued to use the card knowing there was some problem with you getting a statement on time. 

NOT receiving a statement is NOT a viable reason to NOT make payments on time.  You always have two other options to check on a payment due date...you check their website or you call the toll free number.  Not being able to understand the English of the CSR is also not an excuse to not make an on-time payment because the website is in plain English.

If I was a judge and you came before me seeking relief in this matter, here is my decision:

"You amply demonstrated to me your ability to read and speak the English language, to use and access various websites via computer and the ability to communicate with the credit card company via their toll free number.  You've also demonstrated to me you have not received statements of account on a regulary scheduled basis however, you did fail to use either the internet or toll free service to determine the status of account without regard to obtaining the written statement.  Therefore my decision is the late charges you incurred are valid.  Not receiving a written statement does not relieve you of the responsibility of proper account management and using other easily available means to determine due dates."