09/27/08

Warning: Stay away from this Bank's credit card offers!

by RippedOffByCreditOne

Unless you want to spend hours and days and weeks and months, etc. fighting legitimate disputes with Credit One Bank based in Las Vegas, NV, PLEASE, steer clear. But don't just take my word for it. Do a search for "credit one bank complaints" and read the many different problems other customers have experienced. I wish I had. I filed bankruptcy due to divorce and my credit card through Credit One Bank was one of the accounts that was discharged. According to U.S. Bankruptcy Laws, it is ILLLEGAL for any debtor to attempt to collect on or contact an individual about any debt that has been discharged in bankruptcy. It's called bankruptcy protection. However, Credit One flagrantly ignores the law and continually calls my home, my place of employment, sends me letters, bills, and has turned the account over to several collection agencies. I provide my proof to each collection agency and then a month or two later, I have a new agency contacting me. By the way, these collection agencies are affiliated with Credit One Bank. My attorney recently reopened my bankruptcy case so the judge can call the bank on the carpet to defend itself before the court. We'll see. So far, Credit One Bank has chosen to ignore one deadline set by the judge. I feel more ignorance may follow. This company, through its many representatives, is very aware I legally do not owe this debt. Oh, and the amount they're doggedly pursuing me for? It was filed at $265 but has increased to over $750 because they keep tacking on late fees, overlimit fees and interest. Gee, I wonder how vicious and persistent Credit One Bank would have been had my discharged account been in the thousands? Do not allow yourself to become yet another victim of Credit One Bank!

• Pros: None
• Cons: You'll only make your credit score worse by going with Credit One Bank!