Business Profile

Credit Cards and Plans

Credit One Bank

Headquarters

Complaints

This profile includes complaints for Credit One Bank's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

2,222 total complaints in the last 3 years.
758 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:04/30/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
There have been several Fraudulent charges on the Mastercard I have through Credit One Bank. I have attached screenshot of correspondence I received from Credit One via email stating that the charges were made on my device,I'm assuming they mean my phone, and the Mastercard in question. As you can see there is a small test charge of $0.95 on in the fraudulent charge list,this should have been a red flag on the fraud departments radar. I DID NOT MAKE THESE CHARGES, regardless of what they are telling me. No on else used my phone, so my phone was compromised somehow. After a quick research the charges in question come from ******************** which I have done no business of any kind regardless of what Credit One says. This has often happened to me before in the past with this company, but never got this far, we always caught it on the small test charge that appears. Thankfully I viewed my account and realized what was going on. Credit One did not inform me as to possible fraudulent activity occurring on my account as with the past occurrences. I have no intentions on paying for these charges, only the balance I had before this fraud occurred. I will proceed with legal action against Credit One Bank if this situation is not rectified immediately. I have spoken to representatives from the bank and was told they had reopened my claim, but I don't trust them. I have contacted and informed my Legal Representitive about this dispute. I also canceled the Mastercard in question, and the **** (both in great standing) that I have with Credit One Bank.Thank you for your assistance with this matter.*** ********
Business Response
Date: 05/05/2025
Please see the attached response letter.
Customer Answer
Date: 05/05/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

******* ********
Initial Complaint
Date:04/29/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On April 16th, 2025 I received a phone call from an individual claiming to be from the **************** of Credit One Bank. The caller was highly convincing, using information that suggested they had access to my account details. Believing the call to be legitimate, I provided the requested information. Subsequently, several unauthorized charges were processed on my account without my consent.Upon recognizing that I had been the victim of a scam, I immediately contacted Credit One Bank to report the fraudulent activity. I cooperated fully with their investigation, providing detailed accounts of the call, including the tactics used by the scammer and the timeline of events.Despite my prompt reporting and the evidence supporting that I was targeted through a sophisticated scam operation, Credit One Bank has not resolved the issue in my favor. Their actions appear to support the validity of the fraudulent transactions rather than recognizing that I was a victim of criminal activity.I am disappointed in the handling of this situation, especially considering that credit card companies typically have fraud protection measures designed to safeguard their customers. As a longstanding customer, I expected a thorough, fair investigation and appropriate remediation of the fraudulent charges. I am requesting that Credit One Bank reconsider my case with the seriousness it deserves and take corrective action to restore my account and ensure I am not held liable for charges incurred by criminal deception.
Business Response
Date: 05/02/2025
Please see attached.
Customer Answer
Date: 05/05/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I would prefer this case with the BBB stays open until the funds have in fact been reversed to the account(s).

Sincerely,

******* ******
Initial Complaint
Date:04/24/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I made a payment of $133.00 on April 8 2025 on my checking account to **********************. Credit one states that the payment was made on April 5 2025. The amount listed was to pay credit card payment due for May 1 2025 . Credit one is stating that this payment was made on April 5 which is the closing billing date. This would then make me owe a payment for May which I don't owe. I want them to acknowledge that payment was made on my checking account for April 8 which I submitted information to treat to that fact.
Business Response
Date: 05/02/2025
See Attachment
Customer Answer
Date: 05/05/2025
This matter has been resolved to my satisfaction. Thank you **** *******
Customer Answer
Date: 05/05/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Date Sent: 5/5/2025 2:53:42 PM
This matter has been resolved to my satisfaction. Thank you.

Sincerely,

**** *******
Customer Answer
Date: 05/05/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Date Sent: 5/5/2025 2:53:42 PM
This matter has been resolved to my satisfaction. Thank you.

Sincerely,

**** *******
Initial Complaint
Date:04/22/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I feel that Credit One Bank is predatory. I have a Credit ******************** credit card. The interest rate is *****% and they charge an Annual Fee of $95. I used to have more bad account like this and all reversed the Annual Fee as soon as I closed the account. I called on April 14th when I saw the new charge for the $95 Annual Fee on my latest statement. It was charged to me on 4/10/25 and is for the May 2025 thru April 2025 time period. That same day I asked to close the account due to the high interest, Annual Fee and not being able to use the card due to payments barely covering interest. The customer service agent (male, did not get the name) talked me into keeping the account for another 6 months and thinking about it, and then cancelling at that time if I still wanted to. My call today, April 21, 2025 was to close the account immediately and to request again a refund of the $95 Annual Fee which starts next month, but I was already charged for it. The customer service agent (female, did not get the name) put me on hold, came back and closed the account but said they can not waive the Annual Fee. This is not right. The account is closed. I want to report this company as predatory and for charging Annual Fees to use a card that is now closed. I want a refund of $95 applied to my account. Can you please help me with this? Note: I have never been late on this account. You will notice a late fee that was reversed this is due to calling last month to change my auto pay bank from my SDCCU to ******* because my paychecks are now being auto deposited at the new bank. When I saw the payment was made by auto pay I manually paid it online. IT WAS 2 DAYS LATE, NO ***** PERIOD FOR THEIR ERROR. These are the type of accounts that trap people. Please help me get my $95 back for a card that is closed and cant be used.
Customer Answer
Date: 04/22/2025
Thank you! I emailed the signed / completed authorization today, 4/2/25. I really appreciate your help with this!
Business Response
Date: 04/28/2025
Please see attached.
Customer Answer
Date: 04/29/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

**** *******
Initial Complaint
Date:04/21/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Credit One Bank approved and activated my account in March 2025. Over the course of nearly 2 months, the company requested four different types of identifying documentation to include my drivers license, Social Security card, utility bill and apartment lease. Twice, I submitted these documents electronically, and twice I sent hardcopies via ****. I made multiple calls asking why it was taking so long to get access to the credit provided by this account and was told each time that I needed to resubmit these documents. Ten business days ago, I spoke to a supervisor named "Prince" who assured me that he could see the electronic copies of my drivers license and Social Security card which had been requested and submitted that day. He assured me that in 7 to 10 more business days, I would have access to the credit. Today, I spoke to another supervisor who told me that not only had they received all of the documentation that they had repeatedly asked for over the last two months, but now, they needed a copy of my tax forms to prove my identity. I asked them why it was taking so long and why so many different forms of identification to confirm my identity when I have never had these problems with other credit card companies or banks, for that matter. I told them that I was suspicious of this business practice and that, at this point, I was concerned that someone might be taking my personal information, including color hardcopies of my drivers license and Social Security card (front and back, as requested) and trying to steal my identity. I demanded that the account be closed and the hard inquiry removed from my credit report. They were hesitant to do so, but ended up assuring me that the account been closed and that I would be refunded the $39 annual fee, which I have not yet paid because the due date is May 1, 2025. I filed a dispute with all three credit reporting agencies. I would like there to be an investigation, if possible into Credit One Bank's business practices.
Business Response
Date: 04/25/2025
See Attachment
Customer Answer
Date: 04/25/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

******* ******
Initial Complaint
Date:04/21/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I applied for a credit card with credit one' *******, you made a great choice! Your application for a new Credit One Bank card has been approved. *Congratulations You're ApprovedYour new card will be shipped soon We will send you an email when your card is on the way.Thank you for choosing Credit One Bank, we look forward to serving you. then they sent this email Hi *******,Your Credit One Bank card has shipped and is on its way to you.Shipped on Saturday, April 12, 2025 Estimated Delivery Date**Thursday, April 17, 2025 when the card did not arrive with the mail i checked the account i set up and saw credit one had deducted $ ***** off the $600 credit line. i called the company and requested a tracking for the card and was told i would not receive the card until i provided a passport and utility bill. i told her that was not in the contract and how can this company charge a fee of$***** for a card that is not activated or received. i do not want this on my credit report and i no longer want to deal with a company i feel is doing a bait and switch to consumers
Customer Answer
Date: 04/23/2025
This is the very reason i complained, this company is now trying to charge me for a card they did not send. now they have my personal information. And i am afraid this scam will affect my credit
Business Response
Date: 04/25/2025
See Attachment
Initial Complaint
Date:04/15/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Fraudulent account opened in my name with Credit One Bank. I.giled a identity theft report and gave it to credit one bank. They reguse to remove the fraud account from my ********************** report . I do not have any credit cards. I filed bankruptcy to fix my credit and I dont intend on ever using credit cards. That ruined my credit last time. Never again. Remove the fraudulent account from my ********************** report.
Business Response
Date: 04/23/2025
Please see the response attached.
Customer Answer
Date: 04/23/2025

Complaint: 23208699

I am rejecting this response because: not my account. Only account i had i filed bankruptcy on already .. you're just trying to scam me.

Sincerely,

******* *******
Business Response
Date: 04/29/2025
Please see the response attached.
Initial Complaint
Date:04/15/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My account was disabled and I was told to send a picture of my ** to prove who I was which I did on 3/26/2025. The entire time waiting for a response on what was going on with my account that I never got. I called 3 times to get answers which I was either told it takes 7-10 business days or on the last called told that they got the ** and it was approved. It is now 4/14/2025 and still the $162.00 which I get texts everyday that says I have it hasnt been available for me. Charges to me and any time that you guys would want something would need to be on time the day off, but I have to wait nearly a month to have access to funds i was already approved of?
Business Response
Date: 04/25/2025
Please see the attached response letter.
Initial Complaint
Date:04/15/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On March 27, 2025 I mailed 2 check to Credit One to payoff both of my existing accounts with them. When I mailed the checks I put a post it note on each check with the respective account numbers to be posted to. Both checks were posted to the same account resulting in a balance remaining on my higher limit card. When I contacted them on 4/4/25 they told me they submitted a ticket to move the payment and would take 2-3 business days to correct. Between 4/4/25 and 4/8/25 I received 3-4 collection calls per day requesting a payment and I had to tell them I had already paid but they posted incorrectly. On 4/8/25 I spoke with a supervisor who assured me the request to move the payment to the correct account had been submitted and would be resolved in ***** hours. On 4/10/25 the issue was still not resolved so I called back for an update. A supervisor told me on this day that the ticket had been closed and the system would update in ***** hours because there was a delay. On 4/14/25 I still have an over the limit balance reporting that they are still charging me interest on. I spoke with another Supervisor who stated the ticket had been closed with no explanation and had not moved the payment so I had to have another request submitted and was told it would be 7-10 business days. While I am waiting for this to be resolved, my credit has dropped 67+ points due to the balance being over the limit (plus interest they are incorrectly charging me) as well as the account being past due. When I ask for this to be expedited I am told there is nothing they can do and all I need to do is wait the 7-10 business days and hope they resolve it this time. They have been completely unhelpful in resolving their mistake.
Business Response
Date: 04/22/2025
Please see attached.
Initial Complaint
Date:04/15/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
February 27, 2025 I was approved for a $400 credit card through Credit One Bank and notified that the card had shipped and would arrive by March 4, 2025.When the card did not arrive, I contacted Credit Ones customer service and was asked to verify my identity. I submitted the requested documents a copy of my drivers license (front and back), social security card, a bank statement, and a pay stub via their secure portal.Despite full compliance, I received no updates, no card, and no ************* of April 3, 2025, my online account now shows a $124 balance, a $30 minimum payment due, and $0 available credit all for a card I have never received or activated.Shockingly, Credit One has applied a $95 annual fee and a $29 late fee, despite my complete lack of access to the account.This situation is completely unacceptable. Not only have I been denied access to the product I was approved for, but I am now being charged fees, penalized, and shown a current balance on an account I never used. This is not just misleading it is ethically questionable and potentially illegal.
Business Response
Date: 04/16/2025
See attachment
Customer Answer
Date: 04/16/2025

Complaint: 23198270
I do not accept the response made by the business to resolve this complaint

Formal Rebuttal to Credit One Bank's Inaccurate Response
Dear BBB Representatives,

I am writing in response to Credit One Banks letter dated April 7, 2025,regarding my complaint filed against them. While I appreciate their reply, I must firmly state that their account of events is incomplete, inaccurate,and misleading. I do not accept their response and respectfully request that this matter remain open for further investigation and resolution.

Credit One Bank claims that they mailed a letter dated February 28, 2025,outlining the required documents to remove the account suspension. However, I only received one letter, which did not mention that my utility bill was rejected, nor did it list any deficiencies in my submission.

Here are the facts:
I submitted all requested documents, including my drivers license, a utility bill, a pay stub, and even went beyond their requirements by uploading my bank statement and Social Security card through their secure portal.

I spoke with a Credit One customer service representative who verbally informed me that I needed to upload a pay stub, which I promptly did.
At no point was I notified by mail, email, or phone that my utility bill was "unacceptable." This detail has only now surfaced in their response to my formal complaint, which suggests a lack of transparency.

Their assertion that they sent multiple letters is incorrect. I did not receive any further communication after the first document request, and they have failed to provide proof of delivery for the alleged additional letters.

This situation has caused unnecessary stress, confusion, and a negative impact on my credit profile. Their actions reflect a breakdown in communication, customer service, and proper disclosure, and appear to be a cover-up for their internal mishandling of my application and documents.

I am not satisfied with their attempt to dismiss this issue by stating the account was closed and the tradeline deleted. That does not excuse the poor handling of my private information, nor does it make up for the lack of clear, written communication or their inaccurate reporting.

I respectfully request that the *** and BBB continue investigating Credit One Banks internal practices surrounding identity verification, consumer communication, and document handling. I also request that any permanent records of this account be fully expunged and not reopened or reused in any way under my name.

Thank you for your time and assistance in this matter.

Sincerely,
Shearee ****** ********
*****************************************
*****, ********
**************
**********************************
Business Response
Date: 04/22/2025
Please see attached
Customer Answer
Date: 04/23/2025
Re: Complaint ID #******** **********************
Dear Better Business Bureau,
Thank you for your message regarding my complaint (ID #********* against Credit One Bank.
While I appreciate your efforts in facilitating communication, I remain disappointed with both the response provided by the business and the resolution process overall. The bank's response failed to address or rectify the core issues I raised in my original complaint.
I will be following your suggestion and filing a formal complaint with the Consumer Financial ****************** as I believe the matter warrants further review and investigation by a federal agency.
Thank you again for your time and assistance.
Sincerely,
******* ********

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