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  • CreditOne was one of the first companies to give me a card after I lost my job and my credit was ruined, but considering I was the kind of person this company PREYS on, I do not extend them accolades for this. I had their card for over three years and every interaction I had with them was painful. Their customer service people are extremely rude and have accents so thick you can't hardly understand them, then they get pissy when you have to continuously ask them to repeat themselves. And get this: the reason I no longer have an account with them is because they closed it out from under me BECAUSE I TRIED TO MAKE A PAYMENT. Yes, that's right. I had two accounts listed on my online account to make payments from; one I rarely used. Well, one day I had to use it. Huh, strange, it's been a week and that money hasn't been taken from my account yet, so I try again. THEN I get a LETTER in the mail (instead of emailing me like they did for other things) telling me that the account I tried to use to make a payment was invalid (what?!) and if I tried to use it again they'd suspend my account. So I call, and they want me to get some kind of form filled out from a brick and mortar location proving they exist (again, WHAT?!) BUT, it's an online bank, so they don't have a branch I can visit! I went round and round because apparently, if their screen doesn't tell them what to say off a script, they can't speak or think for themselves. I tell him forget it, just remove that bank from my payment list and I'll add another, and he says he'll unsuspend my account. Two weeks later, my account is still showing suspended so I call again. This time the lady tells me that my account was closed and nope, sorry, can't do anything about it. I was livid, and decided that the best and only way I can get back at them is to pay my account in full so they can't get anymore interest payments out of me. If they're going to treat me like garbage, they're not getting another dime out of me. DO NOT ACCEPT CREDIT FROM THIS COMPANY UNLESS YOU'RE READY TO BE TREATED LIKE GARBAGE AND ARE ABSOLUTELY, 100% DESPERATE FOR CREDIT FROM ANYONE, ANYWHERE. You've been warned.
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