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

2,226 total complaints in the last 3 years.
763 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:10/11/2023
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 did my application and got approved for my card and waited **** business days to get my card. Once I got it I tried activating my card on the app and got activated message. When I tried to use my card to buy food it declined and I open the app and I seen a message saying activate card now I did this like 8 times before giving up to call in. When I did called in I got told its a block for my protection and to send my w2 my id and utility bill saying its a new process credit one doesnt protect card holder this doesnt make no since you already verified my identity why need more personal information from me? Make it worse I woke up today with 75 annual charge on my account WHEN I NEVER USED THE FREAKING CARD! This is bad business and horrible consumer experience so far!!!!! Like I havent been able to use m heard but yall want me to go ahead and pay and stay blocked from using the card smh and then gonna tell me even if I upload its another 10 business days to wait for the account to change THATS MAKING ME WAIT A WHOLE MONTH TO USE SOMETHING I USED MY INFORMATION FOR TO BUILD NY CREDIT UP !
Business Response
Date: 10/25/2023
See Attachment
Customer Answer
Date: 10/26/2023

Complaint: 20719348

I am rejecting this response because:
YESTERDAY when requested I already emailed it to my case worker I was assign to until this company want to keep playing games and then reject everything AFTER the fact it been sent it. THIS BLOCK BEEN ON FOR OVER A MONTH AND EVEN AFTER I VERIFIED MYSELF ACCORDINGLY AND SENT IN WHAT IS REQUESTED I GET THIS LYING MESSAGE FROM THIS COMPANY REPEATEDLY!!!!!!!!!!!

I AM SICK AND TIRED OF THE GAMES!PROOF IS ATTACHED DISPLAYING I EMAILED WHAT I WAS ASKES TO SENT! I AM NOT WAITING **** DAYS WHEN IT TAKES YOU GUYS OVER 1 MONTH AND REFUSAL TO REMOVE AFTER GETTING WHAT YALL HAVE!!!!!!!

Sincerely,

*****************************
Business Response
Date: 11/03/2023
See Attachment
Initial Complaint
Date:10/11/2023
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 was alerted by a credit monitoring service of a "charge-off" account ending in **** that was listed for Credit One Bank. I called Credit One Bank Fraud 800 number and opened up disputes quickly with all 3 credit bureaus as "identity theft" to have this account removed as fraud/identity theft. After calling COB 800 for fraud and leaving multiple messages, no one ever returned my calls. Then came a letter from COB stating that the debt was accurate since they had my address listed as:***********************************************************************, yet this address is and NEVER was a physical address... Whomever used my name fraudulently, used had the card sent to a *** Store. And they COB stated in their letter, that my phone number of ************ was accurate. Still inaccurate! After receiving their letter, I quickly rebuttal their invalid claims and sent them burden of proof of my address and correct phone number since 2016 via certified mail. Which clearly proves my claim of identity theft... I called over last week on or around 10/3/2023 and spoke with a Supervisor by the name of ************** believe, and he stated to wait a week until my documents were upload the documents that I sent in via certified mail. I even provided him with the tracking number to add to my case of fraud. Not to mention, before getting transferred to ******, one of the *** attempted to tell me that the account was sold and I was like what? They I got transferred to the Supervisor, who not once mentioned my account being sold and stated to wait a week for an update. Credit One Bank needs to resolve this matter ASAP and remove this fraudulent account from my ********************** files. They are violating my Fair Credit Rights in attempting to sell an account that is fraudulent account. They have the documents to clear me of this fraudulent account and I need ******************** to assist with getting them to comply.
Business Response
Date: 10/18/2023
Office of the President
October 18, 2023
*******************************
************************************************************************
RE: Account Number Ending in **** Case Number ***********
Dear *******************************,
Credit One Bank received your communication dated October 10, 2023, forwarded from the Better Business Bureau of Southern ******.

Thank you for contacting Credit One Bank.We received your notification stating that you never applied for the above-referenced account. In response, we initiated an investigation and determined the account to be authorized and not fraudulent based on the following:

A credit card and billing statements were sent to ************************************** Apt. 120, *******, ** *****, which has been verified as belonging to you.
The account was activated on April 9, 2022, from phone number ************.This number is registered to ********************************
If you did not apply for this account, send us a copy of a Police Report naming everyone who had access to ************************************** Apt. ******************************* and phone number ************.
Please send the documents to the address listed below within 45 days of the date of this correspondence. If the documents are not received within that timeframe, you may continue to be held responsible for the account.
**********************, N.A.
Attn: Fraud Investigations
P.O. Box *****
*********, ** 89193-5516
Due to non-payment for more than 180 days, the account charged off on August 27, 2023, with a balance of $1,201.70. The ownership of the account was transferred to the party referenced below. Since Credit One Bank no longer has a financial interest in this account, please contact the party listed below.
PR009/A209657718
P.O.Box *****, *********, ** 89193-5516 P ************
*****************
P.O. Box 10497
**********, ** 29603
************
We have verified that the account ending in **** is not being reported to the consumer reporting agencies on behalf of Credit One Bank. Any reporting of this account by any other party will need to be addressed by you directly with the other party.
If you have any additional questions, please call our Fraud ************************* at ************, Monday through Friday between 7:00 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 20717437
PR009/A209657718
P.O. Box *****, *********, ** 89193-5516 P ************
Customer Answer
Date: 10/18/2023

Complaint: 20717437

I am rejecting this response because:
Credit One claims are definitely invalid and inaccurate! Not to mention, Credit One has been advised on multiple occasions and sent burden of proof that I am attaching once again, that ********************* is a BUSINESS the *** Store. There will be no validating of who resides here with me, because myself nor ANYONE could not possible RESIDE at a business address. Also, I have lived in ***** since 2014 to current. See attached rental agreements.
Next, I REBUTTLE their claims that ************ is verified of belonging to me, when I filed an online "fraud compliant" with ******* being that someone used my name fraudulently to open an account with ******* for a cellphone. This compliant I won and the account was removed from my name and all 3 credit bureaus. My phone has been ************ since 2016 to now. CREDIT ONE has NO accurate information to hold me accountable of this fraudulently debt that is identity theft! NOTE:  The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including: Misrepresenting the nature of the debt, including the amount owed.
The only correct person in ALL this MESS is ******************************* and next I will file legal action against Credit One and please believe I will WIN! Credit ONE has definitely violated my Fair Credit Right and the ONLY resolution that I will accept is removing this fraud debt from my credit file ASAP! I am willing to fight to the end to get my GOOD name back. My disabled son was a victim of identity theft with other conpanies as well and I am his Conservator. He is non-verbal and legally blind. I will NOT allow for our lives to be wrecked by the largest CRIME in this NATION... Identity theft!
Sincerely,

*******************************
Customer Answer
Date: 10/18/2023
See claim with ******* that was resolved.
Business Response
Date: 10/25/2023
Office of the President
October 25, 2023
*******************************
************************************************************************
RE: Account Number Ending in **** Case Number ***********
Dear *******************************,
Credit One Bank received your communication dated October 18, 2023, forwarded from the Better Business Bureau of Southern ******.

On October 19, 2023, we received your police report. Based on the documents received, you will not be held responsible for the account.

We have repurchased the account from the collection agency and notified the appropriate consumer reporting agencies to delete this from your credit history. Please allow the consumer reporting agencies 60 days to update their records. If you need to provide evidence of the requested change prior to the agencies ability to update their records, please provide a copy of this letter.
We have provided the above-referenced information to the following consumer reporting agencies:
Experian: ************
TransUnion: ************
Equifax: ************ or ************
If you have any additional questions, please call **************** at ************, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
PR025/A210636106
P.O.Box *****, Las Vegas, ** 89193-8873 P ************
Customer Answer
Date: 10/26/2023

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:10/11/2023
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.
Credit one does predatory practices. I made almost $500 in payments. I rented a car. They refuse to release the $200 deposit from Hertz and they have me at a $485 owing balance. When ***** released the $200 deposit Credit one still had 2 of my payments in pending for ***** even though I had returned car an everything was fine until Credit one wouldn't and said ***** never released $200. I has ***** on the phone telling them they released it 9/30/23. I have spoken to several people after this and they say Credit one is Fraudulent and Fraudulent practices
Customer Answer
Date: 10/17/2023
Credit one sent this email stating they were giving me the provisional credit of $200 Oct 16th 2023 that was suppose to be given back in the first place almost 2 weeks ago
Business Response
Date: 10/23/2023
SEE ATTACHMENT
Initial Complaint
Date:10/11/2023
Type:Product 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.
9/27/23 I cashed a check received from Credit One Bank. The letter stated that if I cashed the check I accepted a credit line increase of $150 and would be subject to a fee. I did a mobile deposit to my bank account and used the cash. A few days letter I got a notice from my bank saying that the check was returned as NSF. I went online and noticed that I also did NOT receive my limit increase. I called them on 10/7 and spoke to a rep and got no where. I asked for a supervisor and spoke to ****. He advised that he was not seeing the limit increase and that *** have prompted the return of the check. He manually gave me the increase then requested that I send over the return check copy and proof that my account was now in the negative. I sent this information via email and called today for an update. I spoke to a rep who advised me that they received the email but would NOT issue a refund. I spoke to a supervisor ****** and a Senior Manager ****** and they both refused to issue a refund. ****** advised they have no way to refund my account. So, I told her issue another check that is actually valid and she refused. She is saying I did NOT have available credit when I cashed the check. I told them that I did in fact have a small available credit and that it says no where on the letter that i have to have an available credit to take the offer. It is not fair to me that I manually received an increase for the $150 but have to ultimately pay out $300 because of a NSF check from this company. This is not the first check like this that I have received and each time when I cashed the check I had the limit increase showing in a day or so. I strongly believe it was an issue on their end that did not prompt the increase and in that case they are responsible for my negative account. I called back today (10/9/23) and spoke to ****** and he verified that I was NOT over the limit at the time of me cashing the check on 9/27/2023. My account did not go over the limit unitl 10/5/23.
Business Response
Date: 10/20/2023
The response correspondence is attached.
Initial Complaint
Date:10/11/2023
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 8/2/2023 I disputed a charge on my account with ********************** for ******. I had my credit card and my authorized user card in my wallet (***************************************), I was told by Credit one bank to make a police report, in which i did, They are still putting the credit back on my account after I sent the police report and explained that I was in possession of *************************************** card (AUTHORIZED USER). ******************** never had the ********************** one card in his possession.
Business Response
Date: 10/17/2023
Office of the President
October 17, 2023
*******************************
Apt. 11J
8100 ****************.
Rockaway Beach, ** 11693
RE: Account Number Ending in **** Case Number ***********
Dear *******************************,
Credit One Bank received your communication dated October 9, 2023, forwarded from the Better Business Bureau of Southern ******.

On May 26, 2023, a Lost/Stolen report was processed on your account ending in **** and forwarded to our **************** for review. At that time, a new account ending in **** was established. During this time, provisional credit(s)are created pending the outcome of the investigation.

The investigation was completed on August 1, 2023,and you were held responsible for the charge(s) from Destination XL amounting to $343.50. As a result, the provisional credit(s) previously applied were reversed. Enclosed is the communication sent in response.
The information within the police report we received is not consistent with your claim.
In order to assist you further, we are requesting a copy of the police report filed with your local law enforcement. Please send the documents to the address listed below within 45 days of the date of this correspondence. If we do not receive the documents within the specified timeframe, the investigation may be closed and you may be held accountable for the account transactions.
To upload the document(s) online, sign in to your Credit One Bank account and visit the ****************** page, then click on 'Forms & File Uploads' and select 'Supporting

NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, ***, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance **********************, P.O. Box *****,*******, ** 77052.
PR018/A209608667
P.O.Box *****, Las Vegas, ** 89193-8873 P ************
documentation for Submitted Claim.' You may also send the document(s) to the address listed below. Please note your account number on any supporting documentation.
Credit One Bank, N.A.
Attn: Fraud Investigations
P.O. Box 95516
Las Vegas, ** 89193-5516
If you have any additional questions, please call **************** at ************, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 20714356

NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, ***, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance **********************, P.O. Box *****,*******, ** 77052.
PR018/A209608667
P.O. Box *****, Las Vegas, ** 89193-8873 P ************

Customer Answer
Date: 10/18/2023

Complaint: 20714356

I am rejecting this response because: I have already sent the police report serval times, I also explain that I was the one who lost the card during that time frame and was instructed to make a police report- *************************************** never had the card. being that i was the one who lost it, I'm the one who had to make the ***** report. I have done what was instructed to do by credit one.

Sincerely,

*******************************
Business Response
Date: 10/24/2023
See attached
Initial Complaint
Date:10/11/2023
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 the dates of 5/25/2023 through 5/28/2023 there were fraudulent transactions made on my Credit One account in the area of ***** ** and ***********. I immediately noticed the credit card company of these charges and put a block on the account and requested a new card. Credit One denied my claim and stated I was the one who made the transactions. On all dates I was either at home or at work which my GPS location states. I can't get a hold of anyone at Credit One to speak with about this issue and now say I owe them $826 which are all fraudulent charges.
Customer Answer
Date: 10/11/2023
Police report attached. Credit One also falsely edited my credit report to state that they closed the account.
Business Response
Date: 10/20/2023
Please see the attached response letter
Customer Answer
Date: 10/28/2023

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. But as a consequence to this situation my credit card with *********** has been decreased my $4,000 due to a missed payment on my CreditOne account which is inaccurate. My balance ratio went up to 98% due to this mistake and it is harming my credit score. A letter needs to be sent to Capitol One in regards to this incident.

Sincerely,

*****************************
Initial Complaint
Date:10/11/2023
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.
Hello, My name is ********************************* and I am a ************************ War Veteran. Now I've been noticing my credit report. I've found Credit One Bank with a 30 day late payment. I've discovered that my Highest balance. Is twice the allotted credit limit. Make me understand how can a ****** limit. Go over to the Highest balance of ****** **** dollars. I've wrote, written numerous of letters to these people at Credit One Bank. I spent countless of hours pleading with this company. In regards to how I get 30 days late. When that little azz ****** was on auto pay. Then if I was late, my report indicates it was right back on track the next month. I had the worst interaction with that company. I eventually closed it, once I discovered the incompetence that company displayed. My two complaints are as follows: How I get 30 days late on a **** auto draft for a simple ****** credit limit card. How ****** credit supersede up to ****** ? Who approved it ? I only had a little ******, so I know somebody lied.
Customer Answer
Date: 10/11/2023
I was sent a email for my signature, printed name and address. Some how I wasn't able to do any of those requirements. There was no attachment below to open. So that I would have been able to send back sign.
So I sent a copy including my printed name, signature and address.
I hope that suffice, so that this complaint can move forward.
Customer Answer
Date: 10/11/2023
I was sent a email for my signature, printed name and address. Some how I wasn't able to do any of those requirements. There was no attachment below to open. So that I would have been able to send back sign.
So I sent a copy including my printed name, signature and address.
I hope that suffice, so that this complaint can move forward.
Customer Answer
Date: 10/11/2023
I was sent a email for my signature, printed name and address. Some how I wasn't able to do any of those requirements. There was no attachment below to open. So that I would have been able to send back sign.
So I sent a copy including my printed name, signature and address.
I hope that suffice, so that this complaint can move forward.
Customer Answer
Date: 10/11/2023
Privacy Document
Customer Answer
Date: 10/11/2023
Privacy Documents 2
Customer Answer
Date: 10/11/2023
Privacy ************** Time
Customer Answer
Date: 10/17/2023
From: ****************
Date: Fri, Oct 13, 2023 at 3:40?PM
Subject: Re: BBB Complaint - ******** Credit One Bank - Supporting Up-to-date information
To: ******************* <****************************************>

Hey and Hello *****, I know it's a little late to add information. I just came across this newer information with Credit One Bank.
Help me to understand, how are they reporting true and accurate information. When they Falsely and inaccurately reports 30 days negative over yonder. Then over here you reporting paid and never late. In the same **** time as both accounts were being reported. Did you catch that *****, I promise you I did.

So, I just wanted to share that important find on my end.

Respectfully,

************************* Thomas

See Attached Documents
Business Response
Date: 10/17/2023
Please see the attached.
Copies of statements will be sent to you under separate cover.
Customer Answer
Date: 10/18/2023

Complaint: 20710681

I am rejecting this response because:

Sincerely,

***************************
Customer Answer
Date: 10/18/2023
Credit One reporting conflicting information when they reported at the same dang time in August 2021.

Customer Answer
Date: 10/18/2023
I do not believe Credit One Bank reporting True and Accurate information to the Consumer report agencies. As it so honestly believe that lie. Especially when the agencies isn't making stuff up. As they stated in their letter. That they are reporting accurately to the consumer reporting agencies.

When the attached documents says the totally OPPOSITE.
That's all I have
Business Response
Date: 10/23/2023
Please see the attached file to review our response.
Statements will be sent under a separate cover for your review.
Customer Answer
Date: 10/23/2023
Credit One not only reported inaccurately, False, Negative information, and conflicting damaging remarks. On a account that reported at the same **** time. Yet information sent to Experian as ( Paid or Paying as agreed ). Then on the same reporting month of August 2021 ?? Credit One sent Experian ( OK ). See Attached Documents
Now on that same month of reporting. Credit One sent in the worst delinquency column ( 30 days Delinquent ). Then again more indicators to the credit scoring system. They then made it seem good. Reporting paid account, wait for it.. Was 30 days past due date..
Now Credit One Bank didn't reported nothing to TransUnion indicating ANY negative or indication of delinquency.

Customer Answer
Date: 10/24/2023

Complaint: 20710681

I am rejecting this response because:
How can one company, at the same **** time. These people work in the same department now, how can one send " Paid or Paying as agreed ". Then turn right on over and report to another system " Paid Account/was 30 days past due date ".
Now if I was 30 days past due date, how did the system send paid as agreed in August. Again OK one and report to the other the same day as 30 days Delinquent.

Sincerely,

***************************
Customer Answer
Date: 10/31/2023
Attached are updated information from Credit One Bank. Please help me understand, why is it so difficult. To forgive or simply remove one 30 day late payment.
I can understand if I had 3 or 4 late payments. I can even go with 2 or more, but it is ONE late payment. According to the record, I did 16 consistent payments. On a simple ****** credit limit, really ??.
This is where I'm confused, why is one late payment ??. In my case hard to be removed, anybody else it would be over with. What is it about me that someone is holding me down. So they think ??, just because I'm asking to have this one 30 day late payment removed.

Business Response
Date: 10/31/2023
October 31, 2023

***************************
*******************************
******, ** 48509
RE: Account Number Ending in 4085
Case Number ***********

Dear ***************************,

Credit One Bank received your communication on October 24, 2023, forwarded from the
Better Business Bureau of ***************.

We have already processed your request and responded in a previous communication.

Your account was closed by ********************** on July 15, 2021. The account has been
reported to the consumer reporting agencies as "Account Closed by ********************** Grantor." As
of the date of this letter, the balance on your account has been paid in full.

As a courtesy, we requested the removal of the delinquency previously reported for August
2021 from your credit history. Please allow the consumer reporting agencies 60 days to
update their records. If you need to provide evidence of the requested change prior to the
consumer reporting agencies ability to update their records, please provide a copy of this
letter.

We have provided the above-referenced information to the following consumer reporting
agencies:
Equifax: ************ or ************
Experian: ************
TransUnion: ************
If you have any additional questions, please call **************** at ************,
Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between
6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
Initial Complaint
Date:10/10/2023
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 had a balance of **** as of 10/4/2023. I paid ***** on 10/4/23 as shown in pictures. I had not touched my credit card at all I somehow ended up ****** as shown in picture. I paid another ***** on 10/7/23 to get my account positive but that is nowhere on my statement showing I paid. So, I'm missing ***** and went negative for no reason I can't get customer service on the phone and this is only my second payment on this card and last time it went terrible too because somehow it takes forever to go through.
Business Response
Date: 10/17/2023
Please see attached response.
Initial Complaint
Date:10/10/2023
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 am not liable for the debt with Credit One Bank. I do not have a contract with Credit One Bank. They did not provide me with the original contract as i requested.
Business Response
Date: 10/20/2023
Correspondence has been mailed. The file was too large to upload
Business Response
Date: 10/24/2023
***Please see attached copy of company's response***
Initial Complaint
Date:10/10/2023
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.
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We do not have an account and have never done business with this bank. We just recently activated a phone number for my child and this bank will not stop contacting us and is sending countless harassing robocalls to his phone. They have called 32 times in the past two days! We are considering Legal consultation if they do not stop. They call consistently nonstop between the hours of 8 AM and 9 PM, and we have the records to prove it. What they are doing is very illegal and it is even more shameful that they are targeting a child's new phone.
Customer Answer
Date: 10/12/2023
Back-to-bag harassing calls that are consistently asking for an individual named "*******", to try to collect a debt. Husband has told several reps with this company to stop contacting us and take us off of their list, and we have informed them that this is a minor's phone. They continue to call. We don't even have an account with this company. My son can't even use his phone because they will not stop repeatedly calling it. The *** office ID is also once again Credit One under a different name. No matter how many times we block these people, they just call under different numbers. This can not possibly be legal.
Customer Answer
Date: 10/16/2023
Company is continuing to call a huge number of times throughout the day, and now debt collecting agencies are beginning to call us. This is getting extremely excessive, and Credit One is no longer being professional, but predatory over a person and account that we aren't even affiliated with.
Business Response
Date: 10/23/2023
Please see attached response.

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Credit One Bank is BBB Accredited.