Complaint: It's not the Visa credit card that I recieved from Credit One Bank, it's Credit One Bank and it's Management and Customer Service that's the problem. I was sent a Pre-approved offer in the mail and sent it in. I recieved my Visa Card about four months ago and each time my bill comes in I pay it in full the same day. The last two times I paid it I used my debit card from my bank because the credit is supposed to be on your card the next day to or 48 hours when you pay over the weekend. My nightmare with Credit One Bank began on May 9th 2007 when I made a $497.49 payment over the pho! ne with my debit card. When I called the 888 number on Monday the 12th to see that the transaction was processed the automated system did not credit my account. I dialed zero to talk to a customer service rep and was told that it appears that the transaction was insufficient funds. When I told her that is impossible because at the time I called to make my paymebt I had already verified with my bank that there was $1,150.00 in available funds. At this point, believe it or not, the Rep actually told me that they were having a problem with their automated system. It seems that there automated system from Friday to Sunday tried to withdraw twice from everyone who paid by debit card. Wow doesn't that smell like First Union (Now Wachovia) a few years ago in Florida When their employees got caught with their hands in the til. Pardon the Pun because this is not a funny matter to me. I told her then that is why my debit card refused to make a payment, but that it was the second paym! ent it rejected because it will not accept two identical amounts from the same company back to back. That is a safe gaurd against companies trying to double bill customers. I also told her that the message they would recieve in that instance would say that this transaction cannot be completed at this time and not insufficiant funds. She asked me to hold on, and I did. After 6 minutes she come back and tells me that they did not recieve the payment yet. I said thank you, you should definetly recieve it overnight tonight because it is schduled to be paid today. On Tuesday the 13th of May my bank confirmed that Credit One Bank was Paid Monday electronically $497.49. I then called the 888 number again and the credit was not posted again. Once again I talk to a customer servie rep who said it was still not recieved. At this point I ask to speak to her supervisor. She promply told me no payment was made because of insufficient funds. I repeated yeaterdays story to her and her problem with the story was that a customer service rep told a customer the! truth about the problem they had and asked for her name. I politly told her it was yesterday not the girl today, but that I would not say because it's beginning to seem like she is the only who hasn't lied to me so far.She then told me to go to my bank and have them fax a letter stating that a payment was made on their letter head and sign it and provide a telephone no. that they could reach her. I did and they did. I called on Wednesday the 14th of May. Still no payment made on my Visa. Now I'm asking to speak to a Bank Manager. I'm tired of them not knowing where my money is and why it is taking so long. First thing the Manager says is "Well I'm seeing an insufficient fumds transaction." I proceed to repeat the story from Monday and Tuesday to the Manager. Then I said you got a fax and a copy of my bank statement showing you the payment was made to your bank on Monday. After being on hold for 12 minutes he comes back and said there is no fax. Since I live five minutes fr! om my bank I sent my roommate to the back to send all the information again which they did while I was on the phone with the manager. He told me they recieved the fax but it would be another three to five days to verify with my bank. At this point I asked him why am I and my bank doing your job. He told me I wasn't the only one they had to verify. I wonder how big this problem is? It is now early Saturday Morning the 17th of may and my money is still missing. BE CAREFUL WHEN DEALING WITH CREDIT ONE BANK IN LAS VEGAS, NEVADA

Complaint: I have a card from Credit One Bank. They suck. My November payment was due on November 26, 2008 (yes Thanksgiving Day) even thought the credit card payment center does not credit payments on holidays. My payment arrived on November 27, 2008. I day late, therefore a $39 late payment was added to my balance. But the bad part is that the $39 late fee was charged on December 01, 2008. Another problem also was that I obtained a cash advance on November 28, 2008 and it was approved. The problem is that because of the cash advance I went over my credit limit, so there goes another charge and now my paym! ent is close to $100. What I don't understand is why did the cash advance go through if the payment was late. Credit One Bank really knows how to make money off the customers. Now they are calling me several times a day because I did not pay my December 27, 2008 payment. It is not even 10 days late and they are allready harrassing me. They haven't even replied to the letter that I sent them. I will be filing a complaint with the FTC for shady business practices and harrassment.

Complaint: I have Credit One Visa that I am so regretting. I will be honest I had not been the best a paying in a timely manner. Due to a six month financial hardship I paid what I could when I could. On several occasions I had made a payment online. I found out later when checking my bank account no payment was processed. I would contact them and they would tell me I messed up and didn't make the payment. I had confirmation numbers to prove it! The blame was still placed on me and I was charges 34.00 late fee. Let’s not forget the $9.95 fee they deduct from your payment for processing. They CHARGE you to pay your bill!!! Oh this even gets better. I recently tried to pay off my account. I tried to add 10.00 to the payoff amount to cover the "processing" fee. It would only allow me to add 9.00. That left me owing .95 and having to pay 9.95 to pay that!! I finally called them and complained they took my payment and waived the processing fee. I'm paid off right? NOPE!! After four days I checked my bank account and card account. It shows me that I still owe 82.00 and they haven't processed the payment yet. In two more days I will be charged 34.00 for a late fee. I called them to address the account and the CSR (customer Service Rep) Chris (female) was RUDE! I wanted to clarify the arrangement and payment that I made was being processed for the amount that I had my voice recorded for. This woman refused to answer my questions and got snotty with me. I asked for her name and said I would call to speak to a manager since she refused to help and was rude to me. I called back an hour later and I asked to speak to a manager. I was told it would be a 1-2 hour wait to speak to a manager. I asked, are there that many complaints?" the CSR said there was. I asked him to help me and he danced around the issue. I still don't know what the status of my account. I will be contacting their corporate HQ as well as the FTC. DON'T GET THIS CARD. 34% interest rate!!!!

Major complaint against Capital One credit card - over disputed merchandise charges . I've had to call them 7 times to resolve the problem. They keep re-billing me in error. Know one in customer service really cares. I've spent 8-9 hours telling another person the same problem each time. Their customer service dept. is lousy