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

2,247 total complaints in the last 3 years.
743 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:11/06/2023
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 has been calling me in regards to needing to make a payment on my card. I have a system that is rejecting their calls, because I have no interest in answering such calls. Im aware of my current situation with them. I dont need to be reminded hundreds of time. My complaint is that although they are only allowed to call me up to 7 times in a 7 day window per the ****** Im getting closer to about 7 calls per day. This is excessive. This is abuse. Per ****** calling more than 7 times in a 7 day window has statutory damages of $1000 per case. Id like the matter resolved by Credit One crediting my account with them in full, which as of this moment has a balance of $340.04. If this is not addressed, I will keep a fully record of every violation, and may seek legal action against Credit One for violating my rights under FDCPA.
Business Response
Date: 11/09/2023
Please see our response attached.
Initial Complaint
Date:11/06/2023
Type:Customer Service 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 received a pre-approval in the mail at the first of August and applied online and was approved by the fourth and a card was issued supposedly. I never received a card after waiting weeks I called them back and they said they didn't have the apartment letter on the address so they would update that and issue a new card that I would receive in 7 to 10 business days. After waiting the time and not receiving the card I called them back again they said they issue another card I waited no card so I called them back again. They said that the guy who did it wrong and no card was sent out and that they would send out a card and give it another 7 to 10 business days so I did. I did not receive this card either so I called back and was told that for my trouble they would Express the card with no mention of a fee and to give it 3 to 5 business days. I gave it at least a week called them back was told that this time they would express it and I would have to sign for it and it would be $20 which they charged to the account at that moment. I waited the time, called them back and this time was told that there was an internal issue in their system and there was something on the account that had needed to be verified but hadn't been and that this representative fixed it and express shipped the card out again waving the fee this time. This representative said if I didn't receive the card by the first of November to call back. I did not receive the card and I feel like calling back isn't going to fix the issue. I receive all other mail correspondence from them and I feel like they've never sent the card once. They have supposedly sent out over 4 card and also never sent any but the last one so idk.
Customer Answer
Date: 11/10/2023
I have never received my card after attempting several times but have no been sent a Billing statement. I know this can't reflect well on my credit.
Customer Answer
Date: 11/10/2023
I have never received my card after attempting several times but have no been sent a Billing statement. I know this can't reflect well on my credit.
Customer Answer
Date: 11/10/2023
More images of billing statement
Business Response
Date: 11/14/2023
Office of the President
November 14, 2023
***********************
**************************************************************
RE: Account Number Ending in **** Case Number ***********
Dear ***********************,
Credit One Bank received your communication dated November 8, 2023,forwarded from the Better Business Bureau of Southern ******.

We attempted to contact you regarding your concerns; however, we have been unable to reach you.

On October 3, 2023, a Lost/Stolen report was processed on your account ending in **** because the card was not received. At that time, a new card ending in **** was created, and the card was inadvertently not mailed.
On November 14, 2023, a replacement card was issued for the above-referenced account. If you have not received your card within 10 business days, please contact us at the number listed below.
We apologize for any inconvenience this may have caused.

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/A213260281
P.O. Box *****, Las Vegas, ** 89193-8876 P ************
If you have any additional questions, please call our office at ************, Monday through Friday between 6:30 a.m. and 3:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 20825202

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/A213260281
P.O. Box *****, Las Vegas, ** 89193-8876 P ************
Customer Answer
Date: 11/15/2023

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. I will reissue my complaint if I do not receive my card within the 10 business days.

Sincerely,

***********************
Initial Complaint
Date:11/06/2023
Type:Product 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 opened a secured credit card with Credit One Bank. They approved the account and sent me the card.A week after receiving the card I got a letter in the mail asking for copies of my drivers license and proof of address. They also asked for proof of income. I sent them what they asked of me but they decided to close my account. In the time period I emailed President and CEO *************************** got a letter back from his office telling me they are closing the account and also removing the account from my ********************** file along with the inquiry. They stated that they issued a credit of the security deposit back to my debit card. The credit should have shown up right away but it hasn't. The account was removed from my credit file within a day but the inquiry remains.When I call the bank to find out what's going on they say they can't tell me anything and that my only option is to leave them a voicemail. Sadly, the bank blocked my email address from emailing them. That's real adult of them.They are the one who decided not to do business with me. I shouldn't have to chase them to reimburse me my security deposit. Also, they stated they would remove the inquiry and it's reasonable to assume that would have been done at the same time they removed the account from my ********************** file. That didn't happen. Kindly credit the security deposit back to my debit card and remove the inquiry from my credit file forthwith.
Business Response
Date: 11/20/2023
Office of the President
November 20, 2023
***********************
**************************************************************
RE: Account Number Ending in **** Case Number ***********
Dear ***********************,
Credit One Bank received your communication on November 7, 2023,forwarded from the Better Business Bureau of Southern ******.

On November 16,2023, a check with the number *******, in the amount of $300.00 was requested and sent via ***** with tracking number ************ to the Originating Financial Institution.

We have verified that the account ending in **** is not being reported to the consumer reporting agencies on behalf of Credit One Bank.
We have addressed the issues regarding the inquiry removal in a previous communication. Enclosed is the letter dated November 7, 2023, that was sent in response.
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 20823835

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/A213742220
P.O. Box *****, Las Vegas, ** 89193-8873 P ************

Customer Answer
Date: 11/20/2023
I am highly upset with Credit One Bank because in communication with me they accused me of opening the account up fraudulently. I am the person who opened the account and at no time was anything done in a fraudulent manner. They owe me an apology!
The debit card used to fund the secured credit card was a pre-loaded card that accepts no further deposits. The bank needs to issue a credit to the card or simply mail me a check for what's owed. I have contacted the bank and they told me because they cannot accept deposits the money would be sent back to Credit One. I don't get why they are making this so dang difficult.
I contacted Experian in regards to the inquiry and supplied them copies of the letters and they refused to delete the inquiry from my report.
I need for Credit One Bank to issue a credit to my debit card, not send them a check. Otherwise, send me a check for what's owed.
I need for Credit One Bank to contact Experian and direct them to remove the inquiry because they will not do it on my request. The inquiry still reports to this day.
I have filed my complaint with the Comptroller of the Currency on this matter. I have also filed my complaint with creditboards.com as a buyer beware asking people to stay away from this bank sharing my story. I am considering filing a defamation lawsuit against the bank for its unfounded accusations.
I want my money today! Stop playing games with my money.
I have attached copies of front and back of my debit card.
If someone from the bank wants to discuss this further you have my number.
Customer Answer
Date: 11/20/2023
I am highly upset with Credit One Bank because in communication with me they accused me of opening the account up fraudulently. I am the person who opened the account and at no time was anything done in a fraudulent manner. They owe me an apology!
The debit card used to fund the secured credit card was a pre-loaded card that accepts no further deposits. The bank needs to issue a credit to the card or simply mail me a check for what's owed. I have contacted the bank and they told me because they cannot accept deposits the money would be sent back to Credit One. I don't get why they are making this so dang difficult.
I contacted Experian in regards to the inquiry and supplied them copies of the letters and they refused to delete the inquiry from my report.
I need for Credit One Bank to issue a credit to my debit card, not send them a check. Otherwise, send me a check for what's owed.
I need for Credit One Bank to contact Experian and direct them to remove the inquiry because they will not do it on my request. The inquiry still reports to this day.
I have filed my complaint with the Comptroller of the Currency on this matter. I have also filed my complaint with creditboards.com as a buyer beware asking people to stay away from this bank sharing my story. I am considering filing a defamation lawsuit against the bank for its unfounded accusations.
I want my money today! Stop playing games with my money.
I have attached copies of front and back of my debit card.
If someone from the bank wants to discuss this further you have my number.
Customer Answer
Date: 11/20/2023

Complaint: 20823835

I am rejecting this response because:

Consumer
Most Recent Message
Date Sent: 11/20/2023 1:18:23 PM
I am highly upset with Credit One Bank because in communication with me they accused me of opening the account up fraudulently. I am the person who opened the account and at no time was anything done in a fraudulent manner. They owe me an apology!
The debit card used to fund the secured credit card was a pre-loaded card that accepts no further deposits. The bank needs to issue a credit to the card or simply mail me a check for what's owed. I have contacted the bank and they told me because they cannot accept deposits the money would be sent back to Credit One. I don't get why they are making this so dang difficult.
I contacted Experian in regards to the inquiry and supplied them copies of the letters and they refused to delete the inquiry from my report.
I need for Credit One Bank to issue a credit to my debit card, not send them a check. Otherwise, send me a check for what's owed.
I need for Credit One Bank to contact Experian and direct them to remove the inquiry because they will not do it on my request. The inquiry still reports to this day.
I have filed my complaint with the Comptroller of the Currency on this matter. I have also filed my complaint with creditboards.com as a buyer beware asking people to stay away from this bank sharing my story. I am considering filing a defamation lawsuit against the bank for its unfounded accusations.
I want my money today! Stop playing games with my money.
I have attached copies of front and back of my debit card.
If someone from the bank wants to discuss this further you have my number.

***See attached document /screenshots***
Business Response
Date: 11/27/2023
Office of the President
November 27, 2023
***********************
*******************************************************************
RE: Account Number Ending in **** Case Number ***********
Dear ***********************,
Credit One Bank received your communication dated November 20, 2023,forwarded from the Better Business Bureau of Southern ******.

On November 16,2023, a check with the number *******, in the amount of $300.00 was requested and sent via ***** with tracking number ************ to the Originating Financial Institution.

On October 31, 2023, we notified the appropriate consumer reporting agencies to delete this tradeline and inquiry 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:
Equifax: ************ or ************
Experian: ************
TransUnion: ************
We have verified that the account ending in **** is not being reported to the consumer reporting agencies on behalf of Credit One Bank.

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/A214739830
P.O. Box *****, Las Vegas, ** 89193-8873 P ************
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 20823835

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/A214739830
P.O. Box *****, Las Vegas, ** 89193-8873 P ************
Business Response
Date: 12/07/2023
Office of the President
December 7, 2023
***********************
**************************************************************
RE: Account Number Ending in **** Case Number ***********
Dear ***********************,
Credit One Bank received your communication on December 1, 2023,forwarded from the Better Business Bureau of Southern ******.

On November 16,2023, a refund check with the number ******* for $300.00 was sent to ACI Payments. On November 17, 2023, ACI Payments cashed the check. If you need additional information regarding this refund, please contact ACI Payments at ************ or payments support at ************.

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 20823835

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/A216243261
P.O. Box *****, Las Vegas, ** 89193-8873 P ************
Customer Answer
Date: 12/07/2023
I just got off the telephone with the Money Network who is the provider for my debit card issued by New ************** Bank. They told me they have absolutely nothing to do with ACI Payments. They are not associated with them in any fashion.
You sent a check to the wrong company. My card does not accept deposits. You need to either issue a credit to my debit card or simply send me a check.
This is absolutely ridiculous!
Customer Answer
Date: 12/07/2023
I just got off the telephone with the Money Network who is the provider for my debit card issued by New ************** Bank. They told me they have absolutely nothing to do with ACI Payments. They are not associated with them in any fashion.
You sent a check to the wrong company. My card does not accept deposits. You need to either issue a credit to my debit card or simply send me a check.
This is absolutely ridiculous!
Customer Answer
Date: 12/19/2023

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.
From: ***********************
Date: Mon, Dec 18, 2023 at 3:31 PM
Subject: Re: You have a New Message from BBB Serving *************** Complaint #********
To: ******************* <****************************************>
Hi *****.
I was finally able to track down someone with ACI payments. They were able to get in touch with credit one and I should have access to my money tomorrow or Wednesday.

Credit One Bank is a horrible company.

You can close out the claim. I appreciate your help.

Thank you very much.
Happy Holidays.

Sincerely,

***********************
Initial Complaint
Date:11/03/2023
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 called to cancel my credit card recently (End of August). I spoke with a lady that was very helpful and understanding, however she told me that she couldn't cancel my credit card, but she could put a freeze on it for 6 months. I told her that would work for now. However, there are now new charges on my account that I was not aware of. When I called back, they told me that was not even an option. I want to cancel my credit card and they will not allow me to do so.When I first attempted to cancel my credit card my balance was 0. Now i have new charges on there, but if they would have canceled the card when I asked.
Business Response
Date: 11/13/2023
Office of the President
November 13, 2023
*************************
***************************************
*****, ** 98513
RE: Account Number Ending in **** Case Number ***********
Dear *************************,
Credit One Bank received your communication dated November 3, 2023,forwarded from the Better Business Bureau of Southern ******.
We attempted to contact you regarding your concerns; however, we have been unable to reach you.

Per your request, we closed your account.As of the date of this letter,the balance on your account is $474.31. Billing statements will continue to generate, and the remaining balance will continue to accrue interest and all applicable fees including the Annual Fee until the account balance has been paid in full. Your account will be reported to the consumer reporting agencies as "Account Closed at Consumer's Request." If you have any recurring charges using this account such as memberships or other ongoing services, please contact the merchant(s) to arrange an alternate method of payment.
On August 18, 2023, per your request, your account was temporarily suspended.
To assist you further, we require additional information. Please complete and sign the enclosed document listing any activity claimed unauthorized. If we do not receive the document within 45 days, the investigation may be closed, and you may be held responsible for the transaction(s).

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/A213122337
P.O. Box *****, Las Vegas, ** 89193-5516 P ************
We noticed that your address on the communication we received is different from the current information on your account. If you would like your account information updated, please contact **************** at the phone number listed below.
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 20821420

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/A213122337
P.O. Box *****, Las Vegas, ** 89193-5516 P ************

Customer Answer
Date: 11/28/2023

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.

Sincerely,

*************************
Initial Complaint
Date:11/02/2023
Type:Order 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 have never opened a Credit One account. Whenever I try to contact Credit One, I always face evasion or encounter rude individuals who are unwilling to assist me. My partner and I are in the middle of buying a house and this has hurt our credit. I have called a number of times about this problem to get nowhere, no one is to help you out. The account number for this account is **************************************** have filled a police report again this evening due to having no other idea on what to do.
Business Response
Date: 11/13/2023
See attached
Customer Answer
Date: 11/17/2023

Complaint: 20813788

I am rejecting this response because:
I have sent 3 police reports I have been victim of ID theft for the last five years and this is the run around I get from companies like this. Got to love it when I include a police report and everything with my complaint. If I know who stole my information they would be in JAIL JAIL JAIL JAIL JAIL...............
Sincerely,

***********************
Business Response
Date: 11/22/2023
Office of the President
November 22, 2023
***********************
******************************************************
RE: Account Number Ending in 4639
Case Number ***********
Dear ***********************,
Credit One Bank received your communication on November 17, 2023, forwarded from
the Better Business Bureau of ***************.
We have already processed your request and responded in a previous communication. A
copy of that communication has been enclosed for your review.
We noticed that your address on the communication we received is different from the
current information on your account. If you would like your account information updated,
please contact **************** at the phone number listed below.
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.
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.
Initial Complaint
Date:11/02/2023
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 this debt with credit one. 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: 11/09/2023
The response correspondence is attached.
Initial Complaint
Date:11/02/2023
Type:Order 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 opened account 07/2019 and apparently signed up for credit protection but I dispute this because I would not agree to this. I have been charged 97 cents per dollar owed on my balance every month since. I can only add the last 2 years of charges because there are only 24 months of statements available.
Customer Answer
Date: 11/02/2023
Here are the last 5 statements, I have since 10/2021
Business Response
Date: 11/07/2023
Office of the President
November 7, 2023
*************************
Apt 277
**************************************************************
RE: Account Number Ending in **** Case Number ***********
Dear *************************,
Credit One Bank received your communication dated November 1, 2023,forwarded from the Better Business Bureau of Southern ******.
You enrolled in our optional Credit Protection Program on July 9, 2019, while you were logged in to your account online, using IP Address *************. Therefore, all Credit Protection Fees are valid.

On November 1, 2023, per your request, we cancelled your enrollment in the Credit Protection Program.
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 20811050

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/A212406891
P.O. Box *****, Las Vegas, ** 89193-8873 P ************
Initial Complaint
Date:11/01/2023
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.
Received email from CreditOne bank without prior communication via email or **** mail or any other mail carrier that my account did not successfully apply payments until after they closed my account due to returned payment (non-payment). They may claim that they emailed but those emails were not received. And proper and fair practices on an account prior to any account activity such as closure should include an attempt to reach the party via telephone which is something that they never did prior to closing account. They should have called after subsquent failures to notify customer via telephone. At the very least they should have reached out after any failed attempt prior to closing the account. It is not fair to the consumer to be caught by surprise with receiving only 1 email and that being one that an account will be closed.I am asking that my account be reinstated at full and any credit marks be removed.
Customer Answer
Date: 11/01/2023
***Please see attached document /copy of email***
Business Response
Date: 11/06/2023
Office of the President
November 6, 2023
*************************
********************************************************
RE: Account Number Ending in **** Case Number ***********
Dear *************************,
Credit One Bank received your communication dated October 31, 2023, forwarded from the Better Business Bureau of Southern ******.

As a courtesy, your account has been reinstated and online access has been restored. Please update your banking information online prior to submitting any additional payments. Any future returned payments may result in permanent closure of the account. As of the date of this letter, the account has a balance of -$341.92.

On February 9, 2023, you registered your routing number ending in **** and checking account number ending in **** from Washington Federal Bank.The account information was entered by you, not Credit One Bank. A payment of $30.00 that was submitted by you on October 3, 2023, was returned by your financial institution on October 5, 2023, due to "Insufficient Funds."
On October 7, 2023, you registered your routing number ending in **** and checking account number ending in **** from ****************** National Association. The account information was entered by you, not Credit One Bank. A payment of $204.95 that was submitted by you on October 7, 2023, was returned by your financial institution on October 11,2023, due to "Insufficient Funds."
A letter was sent to you on October 7, 2023,notifying you of the returned payment and that any future returned payments may result in an account closure. Due to the returned payment, your account was assessed a Late Fee of $29.00.
A payment of $1,900.58 was received on October 22,2023. The payment was returned by your financial institution on October 24,2023, due to "Insufficient Funds." At that time, your account was closed by ********************** due to returned payment(s).
PR020/A212237465
P.O.Box *****, Las Vegas, ** 89193-8873 P ************
We have verified that no delinquency was reported to the consumer reporting agencies pertaining to this matter.
Account notifications can be set up by signing in to your online account with CreditOneBank.com or the Credit One Bank mobile app. To manage your account notifications, go to the Settings page of your account and navigate to Account Notifications.
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 20807916
PR020/A212237465
P.O. Box *****, Las Vegas, ** 89193-8873 P ************
Customer Answer
Date: 11/08/2023
From: *********************;<**********************>
Date: Fri, Nov 3, 2023 at 3:26?PM
Subject: Re: You have a New Message from BBB Serving *************** Complaint #********
To: ******************* <****************************************>

Hi *****

The full payment that I sent has been cashed by CreditOne Bank and it shows on my CreditOne online portal that I have available credit of 2250.00. Here are the screenshots
They actually owe me $. But Id rather have the account opened again.

Thanks for all youre doing. And you can add this to the case.

Regards

*****
***See attached document***
Initial Complaint
Date:11/01/2023
Type:Product 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.
The date of the transaction, when I bought the shoes from Dr ******* was 03/15/23 in the amount of $127.20. The purchase order #DRCWEB-100021253. The shoes were defective and I sent them back to Dr ******** They issued a credit to my Credit Card from Credit One in the amount of $127.20 on 10/20/23. The case reference with Dr ******* is #CS202310-3091983. I communicated with ************************* a customer care representative with Dr ******* about this and she insists the refund was sent BACK to the Credit Card I used to purchase the shoes. She sent a copy of the credit memo #******** on 10/20/23. The credit order number was ******** This account was with ********************** ending in ****. By this time I had paid off this account and closed it. So where did my money go? Credit One insists they never received the credit! In the meantime, I am a diabetic who suffers from severe neuropathy and NEED another pair of shoes, which I planned on using that $127.20 to purchase another style.Please see what you can do to resolve this game of tag between the two businesses at my expense!Thank you very much. If you need anything else, let me know.
Customer Answer
Date: 11/01/2023
I have pdf files of the credit card statement showing the price paid for the shoes. I Also have pdf showing the receipt of refund to credit card company. But I cannot figure out how to enclose them.
Customer Answer
Date: 11/08/2023
RE Attached documents:
*****, This is the notice I got from Dr ******* showing they sent the payment to Credit One account ending in 9592.
---
*****, I keep getting messages from different people at Dr ******* asking if I am satisfied with my service. I tell all of them no, but no one follows up with me! Isnt there a way they can track where this refund went? Credit One just keeps saying they did not receive it.

Business Response
Date: 11/15/2023
Please see attached response.
Customer Answer
Date: 11/15/2023
Just so I am clear about Credit One response to my claim. The letter states that the merchant will send me a check for $127.20 within a few days. Who is the merchant? I thought Dr ******* refunded my $127.20 to Credit One already for a refund. I am confused. As long as I receive the payment, I am fine with the offer.
Customer Answer
Date: 11/27/2023

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:10/31/2023
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.
They locked my account after I confirmed it and charge me fees when they say they wouldnt. Its something every week.
Customer Answer
Date: 11/02/2023
Here is my completed privacy form
Business Response
Date: 11/08/2023
See Attachment

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