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.
752 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:10/02/2023
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.
Hello BBB,Around Aug 1st 2023 I informed Credit One Bank that I will be going to ************* Coast Guard Boot Camp on Aug 15th 2023 till Sep 29th 2023. I add an AU to my credit card limit that was max out at 1000$. I requested and submitted the **** to lower my intreast per federal regulations. I also set up Autopay so that funds would be taken out because I would have no way submit payment while in training. While on training 1 auto payment failed due to not being paid on time by the government around Sep 1st. I received a letter in Boot Camp from my AU about it and mail my card info to submit payment promptly. My AU submitted payment Sep 17 2023 in the amount of ********. I came back from bootcamp on Sep 29th 2023 and upon my return my card was not working I contact them and was instructed that I missed 1 payment and was not eligible to get my credit card the account was closed. I would like for the company to reinstate my account this is clear that they did this because I requested **** benefits Thanks *****************************
Business Response
Date: 10/09/2023
See attached correspondence
Customer Answer
Date: 10/11/2023

Complaint: 20680084

I am rejecting this response because: I want a promise that when I do provide them the transaction for Aug 11,2023 that they will reinstate my account. I will have that docs submit in 3 days per the bank

Sincerely,

*****************************
Customer Answer
Date: 10/13/2023
Attached the letter you requested
Customer Answer
Date: 10/16/2023
Please email the document your mentioned, as shown below, to me at ************************************ Thank you.

RE:
Consumer
Most Recent Message
Date Sent: 10/13/2023 12:27:05 AM
Attached the letter you requested
Business Response
Date: 10/17/2023
***See attached document***
Customer Answer
Date: 10/17/2023

Complaint: 20680084

I am rejecting this response because: I provide the documents and want them Reinstate

Sincerely,

*****************************
Business Response
Date: 10/23/2023
See attached correspondence
Customer Answer
Date: 10/25/2023

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:10/02/2023
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.
Subject: Complaint Regarding Denied Fraud Claim - Case Number: 23062301276C Dear BBB,I am writing to file a formal complaint against CreditOneBank regarding a recent incident involving a fraudulent transaction. On April 5th, a transaction in the amount of $420.76 was made without my authorization.I promptly opened a fraud claim with CreditOneBank to resolve this issue. However, to my dismay, CreditOneBank denied the claim without providing any valid reason. When I reached out to their customer service for documentation related to the transaction, I was informed that they had no information from the merchant, and the case was closed, resulting in the loss of my money.I kindly request the immediate reopening of this claim and the **************** of this matter to recover my funds.Case Number: 23062301276C Account Ending in **** Sincerely,***********************
Business Response
Date: 10/09/2023
Please see attached.
Initial Complaint
Date:10/02/2023
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.
Subject: Disputing CREDIT ONE BANK investigation that the Charges on my account for $479.08 in ********** were not fraudulent. Ref# F3227007G0000SA9AT -Transaction date 08/28/23 *********** also charged the same exact duplicated amount of $479.08 on 08/08/23 REF#F3227006Z000IXFRL. Both of these transactions are fraudulent per the company's own customer service agent said they were made in error and there was a bug in the system.I never received any card ending in **** and that is why when Credit One alerted me of these transactions I contacted the company right away, and that is why the company issued me a new card ending in ****. And now they have transferred all the fraudulent charges that were made on the card ending in ************************************* ****.I have documented proof of phone call records and statements, proving that I never activated the card ending in **** and that I also called Credit One Bank to notify them of the fraud the day it happened.In addition, I can provide substantial proof that I never visited this ********** Store to make any of these fraudulent transactions.I only made one transaction with ***** Airways for $964.65 on this account and nothing else.Their investigation says that I activated this account, this absolutely false! I would like the company to show me actual evidence that I activated this account as well as evidence that I made these purchases in ********** with either video evidence or my signature. I never ever in my life visited a ********** store in Jamaica, NY. I have documented proof of all this and can share it upon request.Recent September 22nd conversation:SPOKE TO SUPERVISOR ***** ON 9/22 AT 11:20 AM, HE CONFIRMED THAT THERE WAS A GLITCH IN THE SYSTEM AND THAT THERE WERE TWO IDENTICAL CHARGES FROM ********** OF $479.08 POSTED ON THE ACCOUNT THAT WAS TRANSFERRED IN ERROR FROM A PREVIOUS CARD ENDING IN ****
Business Response
Date: 10/20/2023
Please see the attached response letter.
Customer Answer
Date: 11/02/2023

Complaint: 20679179

I am rejecting this response because:
Subject: RESPONDING TO YOUR LETTER DATED OCTOBER 6TH, 2023 AND Disputing your investigation that the Charges on my account for $479.08 in ********** were not fraudulent. Ref#F3227007G0000SA9AT -Transaction date 08/28/23 Your company also charged the same exact duplicated amount of $479.08 on 08/08/23 REF#F3227006Z000IXFRL. Both of these transactions are fraudulent and per your own customer service agent were made in error and there was a bug in your system.
Your Letter states that I reported a Lost/Stolen card on August 9th, 2023 and that NO FRAUDULENT ACTIVITY WAS REPORTED. This is absolutely false! First of all I did not report a lost or stolen card, since I never even received the card, so I cannot lose or report a theft of something I never received. What I did report was that I never received the card ending in **** and the transactions that were flagged by your own company as suspicious were not made by me! I am attaching text messages received from your company about the suspicious activities and my response N that indicated that these were not my charges, in addition I am attaching proof of my numerous conversation text confirmations when speaking to your company regarding this and trying to correct it before you sent any new cards to me. I HAVE BEEN NOTIFYING YOUR COMPANY ON THE FRAUDULENT CHARGES SINCE AUGUST 9TH, 2023 AND NOT SEPTEMBER 22, 2023.
SENDING ME A BILL DOES NOT PROOF I MADE THIS FRAUDULENT CHARGES, ANYONE CAN SEND ME A BILL.

PLEASE PROVIDE ACTUAL PROOF THAT THE **** WAS ACTIVATED USING MY PHONE NUMBER ************ ON AUGUST 8TH, 2023 BECAUSE MY PHONE RECORDS WILL SHOW THAT I NEVER CALLED TO ACTIVATE SUCH A ****. AGAIN, I AM ATTACHING TEXT CONFIRMATION ON MY COMMUNICATION.

PLEASE PROVIDE TRANSACTION EVIDENCE WITH MY SIGNATURE, MY PHOTO/VIDEO SHOWING I MADE THIS TRANSACTION AT THE RETAILER

FINALLY, YOU ARE ASKING ME TO MAKE A POLICE REPORT, BUT HOW CAN I REPORT SOMETHING STOLEN OR LOST, WHEN THE **** WAS NEVER IN MY POSSESSION? I CANNOT REPORT LOST/STOLEN **** THAT I NEVER EVER HAD.

Sincerely,

*******************
Business Response
Date: 11/08/2023
Please see the attached response letter.
Initial Complaint
Date:09/29/2023
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 9/19/23 I discovered a charge of $83.65 at grocery store in *******, ** on 9/7/23. I disputed the charge with a support agent the same day.Several days later, I received an email stating that my dispute had been denied because they claimed the card was used with the chip reader. I only had one card and it was always in my possession. I also do not have any additional authorized card users, nor did I have more than one card ever issued.On 9/28/23 I called to address my concerns. When I spoke with the first agent, I had to explain my situation multiple times and he appeared unable to help me. After insisting that he needed to assist me with my concern, he transferred my call to a supervisor. I had to explain my situation again. After explaining everything, the supervisor told me the same reason for the rejection. I had to explain the entire situation to the manager, as it appeared they did not have any notes. After telling her all the aforementioned information, she told me the same thing the previous supervisor did, almost verbatim. After being on the phone with support for almost one hour, this manager hung up on me.After this manager hung up on me, I called again and explained my situation again fully to a supervisor, manager, and senior manager. All appeared to read from the same script. I told them all the information I had repeated numerous times. I asked him for his email address so I could send him the videos of me in **********. I then asked him for a video of me using the card in ********. His response was, Unfortunately, I cannot do that. I told him that he could not do that because it does not exist. I asked him to provide me with a number for the corporate office in ********* and he said he could not give that to me but could transfer the call. He put me on hold and then hung up on me.It should be noted my home address is approximately **** miles away from where the fraudulent card use occurred..
Business Response
Date: 10/05/2023
Please see the attached response letter.
Initial Complaint
Date:09/29/2023
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 agreed to have a one time payment drafted from my checking account on 9/17/23. ********************** fraudulently hit my account a week early on 9/11 causing my account to go into overdraft. I have spoken with Credit One several times about this matter and they have verified it was done earlier than agreed upon but will not correct the problem.
Business Response
Date: 10/05/2023
See Attachment
Customer Answer
Date: 10/05/2023

Complaint: 20671716

I am rejecting this response because: that was not the agreed upon date. The agreed date ***** September 17th and the recorded call will prove this.

Sincerely,

***************************
Business Response
Date: 10/17/2023
Please see attached.
Initial Complaint
Date:09/28/2023
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.
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. Account name: # ***********, has violated my rights. 15 U.S.C **** section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.
Business Response
Date: 10/09/2023
The response correspondence is attached.
Initial Complaint
Date:09/28/2023
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 close my account based off false information and reported it to my credit when They took money out of my bank and then return my money then close my credit account based off false information saying I never paid when I did
Business Response
Date: 10/26/2023
Please see the attached response letter
Customer Answer
Date: 10/26/2023
Whats going on
Customer Answer
Date: 10/26/2023
Whats going on
Customer Answer
Date: 10/27/2023
I sent u Proof that money was on account when The said it was insufficient funds they they bill my credit
Customer Answer
Date: 10/31/2023

Complaint: 20669025

I am rejecting this response because:

Sincerely,

*************************** money was on my account
Customer Answer
Date: 10/31/2023
Money was on my account
Customer Answer
Date: 10/31/2023
Money was on my account
Business Response
Date: 11/06/2023
Please see the attached response letter.
Initial Complaint
Date:09/28/2023
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 Bank N.A. I do not have a contract with this Midland Credit Agency and it appears on my credit report. They have not provided me with the original contract as I requested.
Business Response
Date: 10/04/2023
Please see the attached response letter.
Initial Complaint
Date:09/28/2023
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 needs to re-evaluate how they manage. This company handles business VERY shady. I attempted to set up a payment method after receiving my card. I decided to do that because I knew theres no way in h*** I was going to pay a Rep $4.95 for taking my payment over the phone. I finally used the card after about six weeks. I wanted to make the payment and since I thought I had set up the payment method, I paid. I didnt not realize that the attempt failed. I tried again and it failed again. I tried a third time and yes, it failed. I realized that it was the payment method, made the correction, and FINALLY made the payment. I have made payments every other week since then. That didnt matter because Credit One closed the card because I had three return payments. I was return payments.
Business Response
Date: 10/04/2023
Please see the attached response letter.
Initial Complaint
Date:09/28/2023
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.
To whom it may concern: AMEX Credit One Account number ***************. The mentioned account was opened on 02/09/2023 and it was closed on 07/26/2023. On 07/16/2023 I made my normal minimum payment of ***** and I also made another payment of ****** on 07/19/2023. On approx 07/26/2023 I proceeded to use my card and was denied. When I reached out to Amex Credit One, I was told by the *** rep that my check ones returned. Knowing my payment had not been returned, I challenged the validity of what the *** rep was stating and she proceeded to recant her statement and proceeded to try to reopen my account. I received a letter dated 07/26/2023 that the account was closed. I received a letter dated 07/27/2023 that my account was suspended and they needed to verify my residential address. I did not feel the need to verify my address due to the fact I was told over the phone and by mail my account was closed. I received a letter dated 07/28/2023 that they were unable to reinstate my account. On my ********************** report, the account was reported closed for the month of August 2023, in September 2023 my account was reported charged off and late 30 days and my account was clearly not late according to the documentation provided. My August payment of ***** was made on 08/13/2023 and my payment of ***** for September was made on August 08/24/2023. On Sept 27, 2023, it was brought to my attention that this adverse action had been placed on my credit report and I reached out to AMEX Credit One. The *** rep was unable to tell me why my account was reported in that manner and proceeded to transfer me to the fraud ***** I need this inaccurate information removed from my credit report immediately. As you can clearly see on the August statement my payment for September was due on 09/16/2023 which I paid 08/24/2023 and according to the credit report I was reported 30 days and charged off on 09/27/2023.
Customer Answer
Date: 10/01/2023
Attached you will find the requested release form for Credit One to proceed with case. Assigned ID ********.
Customer Answer
Date: 10/02/2023
To whom it may concern: you will find attached a copy of my Credit One Bank September 20, 2023 statement which clearly shows September payment made 08/24/2023. It also shows no late payment and next payment due 10/16/2023 of 30.00. Attached also is a copy of my credit report showing incorrect reporting.
Customer Answer
Date: 10/02/2023
To whom it may concern : Attached you will find credit report with the incorrect information for credit one.
Customer Answer
Date: 10/02/2023
To whom it may concern: Attached are my ***** Fargo statements for July, 2023, Aug, 2023, Sept, 2023 showing payments made to Credit One Bank, this is also the payment account attached to the credit one bank account.
Business Response
Date: 10/06/2023
Office of the President
October 6, 2023
*************************
*********************************************************************************
RE: Account Number Ending in 7900
Case Number ***********
Dear *************************,
Credit One Bank received your communication on October 2, 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.
The above-referenced account was closed on July 26, 2023, due to unusual activity.Your
account charged off on September 25, 2023, and it is scheduled to be sold to a third-party
agency. You should receive communication from the third-party agency within 60 days.
When an account is charged off and sold, it may create two tradelines: Credit One Banks
tradeline and a new tradeline created by the buyer of the charged off debt. We have
requested the removal of the Credit One Bank tradeline 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. Any reporting of this account
by any other party will need to be addressed directly with the other party.
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.
BBB Case Number 20666510
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.
Customer Answer
Date: 10/25/2023

Complaint: 20666510

I am rejecting this response because: Experian is refusing to remove account, they are responding with the account has been verified as accurate which it is clearly not. This account needs to be removed from my report expeditiously.

Sincerely,

*************************
Business Response
Date: 10/31/2023
Office of the President
October 31, 2023
*************************
******************************************************
*****, ** 75093
RE: Account Number Ending in 7900
Case Number ***********
Dear *************************,
Credit One Bank received your communication dated October 25, 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.
Between October 20, 2023, and October 24, 2023, we received multiple Automated
Consumer Dispute Verification ("ACDV") requests. Each time you submit an ACDV, we
are required to verify, update, and report the account information to the consumer reporting
agencies.
Submitting any additional Automated Consumer Dispute Verifications while our office
updates your credit reporting may impede and/or prolong the process.
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 20666510
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.

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