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:03/20/2023
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 BANK P.O. Box ***** Las Vegas, ** 89193-8873 (2nd notice and Final notice) Fraud and the company refuses to acknowledge the Law.With this letter I hereby request that you CEASE and DESIST any and all Publications of my private information which *** or *** not include: Name, Address, Telephone Number, any relatives that *** be associated with. Anything about me without my written consent. PEROID! Please put any attempts to collect on the above referenced account in writing. You are hereby instructed to cease all collection efforts immediately or face legal sanctions under the Federal Fair Debt Collections Practices Act, 15 U.S.C. Sections ****c and ****k, which is incorporated and made applicable to creditors like your company by the ********* Collection Practices Act, California Civil Code Section *******. And Other various Laws I mentioned in the Certified letter# ******************* sent on 03/01/2023.You have been sent a Notice Already by Certified Mail 03/01/2023 with several attach documents one of being Cease and Desist. Affidavit of truth etc. THIS IS NOTICE OF DUE PAYMENT TO THE PRINCIPAL FOR HARM OF TRUST If you keep continuing using my Name or anything similar to the name of which I control under registration and trademark (Principal) and the Principal place of business for The Entity/DEBT Person (which *** be confusing to the normal person) Credit One is engaging in trademark infringement.ON MARCH 09, 2023, via email which you have no right to contact *****************************. MARCH 01, 2023, again CREDIT ONE Bank Credit Card sent and unauthorized Statement to the Principal Business Officer using A copyrighted Name without the Principal Written Consent. I control the Principal and It seems to me that you ***be a willing participant on the IDENTITY THEFT(The misuse of information to make a false charge.)BREACH OF TRUST
Business Response
Date: 03/29/2023
Please see attached.
Initial Complaint
Date:03/20/2023
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 made a credit card payment on the account ending **** Thursday 03/16 and then called the toll free number today03/19 and some recording says it doesn't recognize me. It recognized me in order to make a credit card payment. it also stole my payment and didn't credit the account! if this is not fixed, I'll call my bank and let them know this was a fradulant transaction. their toll free number says they're open 24/7. I want a US manager to call me back and tell me what is going on with their bank.
Business Response
Date: 03/31/2023
Response correspondence attached.
Initial Complaint
Date:03/20/2023
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 have had nothing but ongoing issues with this bank and credit product. They specialize in subprime lending, and my personal opinion is that they are predatory. I made an "express payment" at a fee of $4.95 prior to the 5 PM PDT cut-off time, and the funds were supposed to be available per their own guidelines. Of course, they were not when I attempted to book a hotel, all in the midst of a cross-country move. It took escalating up FOUR levels to finally get an answer why. They arbitrarily decline transactions based on an "algorithm" (I asked the representatives to explain what that means, and none of them could) if they think it is fraud. Apparently, attempting to book a hotel room (less than $350 and using Lyft flags fraud? It's just obscene. I want nothing to do with this company, and I plan on following up with the *** and CFPB. Do not rely on this card while traveling or for any high stakes purchases. You might literally find yourself stranded. Thankfully, I was able to just pull money from checking and use that, though I always prefer to use a major credit card for incidentals at hotels. Others may not have those resources at their disposal.
Business Response
Date: 03/27/2023
Office of the President
March 27, 2023
*******************
************** SW, Unit 609
*******, ** 98116
RE: Account Number Ending in **** Case Number ***********
Dear *******************,
Credit One Bank received your communication dated March 19, 2023, forwarded from the Better Business Bureau of Southern ******.

An Express Payment Fee may be assessed for payments made by phone or online with representative assistance and any fee will be disclosed at the time of payment.

Payments submitted before 5:00 p.m. ****************** post effective the same day, but may not appear on your account for up to two business days. Available Credit will reflect the first $100 of your payment immediately. The balance of your payment will increase your available credit within 7 days. Credit One Bank reserves the right to place verification holds on all payments. For more information regarding payments, please visit the 'Pay Bill' section of CreditOneBank.com/FAQs.
The authorization(s) were declined because the merchant(s) were identified as "high-risk." This security measure is in place to help prevent fraud.We are unable to determine which merchants will be declined in advance.
Per your request, we closed your account on March 27,2023. As of the date of this letter, the balance on your account is $2,200.06.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

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/A186986143
P.O.Box *****, Las Vegas, ** 89193-8873 P ************
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.
Based on your concerns, no further calls will be made with regard to the collection of your account.
Pending authorizations may remain on your account for up to 14 days. Pending authorizations are immediately deducted from your available credit and may not be reflected in your account balance.
If you have concerns about using your card while traveling, please contact **************** to note your account.
Your concerns have been forwarded to the appropriate department for review.We greatly appreciate you sharing your experience.
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 19620282

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/A186986143
P.O. Box *****, Las Vegas, ** 89193-8873 P ************
Customer Answer
Date: 03/28/2023

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:03/20/2023
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.
In September of 2020 I discovered fraudulent charges on my Credit One credit card by way of a late notice on the account. They failed to notify me of the annual fee charge, (this has happened before), that's how they get the late fee. They wanted me to pay the charges and then they would refund me for the charges when they confirmed the charges were fraudulent. I refused to pay for the bad charges and requested the account to be closed. I paid off the balance on the card minus the fraudulent charges. So, without my permission, against my stated objection they changed the account number this happened on 10/30/2020. They kept charging me this started on 03/10/2021 with a " An adj to my account for $25.99" On 10/16/2020 I received an email stating that the account had been closed. The charges were found to be fraudulent and not made by me. This should have been the end of it! But no, they charged me late fees, annual fees on a closed account. Then they turned the account over to Midland Credit Management for collections. The old account # is *******************. The new account # is ******************* They should have froze the old account until a determination was made. Then inquired as to my desire to reopen a new account!So, they ruined my credit score, had me harassed by a collection agency, for a debt I don't owe on an unauthorized account... They also don't notify you when they place the annual fee on your account. You find out when they send the late notice because they don't send consistent monthly statements.
Business Response
Date: 03/28/2023
Office of the President
March 27, 2023
***********************************
***************************************************************
RE: Account Number Ending in **** Case Number ***********
Dear ***********************************,
Credit One Bank received your communication dated March 19, 2023,forwarded from the Better Business Bureau of Southern ******.

We have repurchased the account from the collection agency and notified the appropriate consumer reporting agencies to reinstate this tradeline to your credit history,with no delinquencies. We will report the account as "Account Closed at Consumer's Request" with a zero balance.

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 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/A187043925
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 19620054

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/A187043925
P.O. Box *****, Las Vegas, ** 89193-8876 P ************
Customer Answer
Date: 03/28/2023

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:03/20/2023
Type:Customer Service 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.
This company I applied for 3 credit cards, one I would like to close because I dont use it. Upon calling customer service they claimed my date of birth is not matching theirs. Which is unbelievable, how was I approved for a credit card. They locked me out my account a few times. I was told to send documents to prove my date of birth. I sent a document on February 9, 2023 and March 12, 2023 with case numbers, and they claim they have no record of it. The script is wait **** days, its been in over that time frame. I want to close my accounts and be done with this company. Their customer service does not serve the customer at all! I also have been diagnosed with stage 4 cancer, and the added stress of dealing with the company is not good. Dealing with this company is stressful, and they offer no resolution to my issue! Mean while the card that I dont use, they are charging late fees , and finance charges.
Business Response
Date: 03/30/2023
Office of the President
March 30, 2023
***************************
*******************************. 3W
*******, ** 60153
RE: Account Number Ending in **** Case Number ***********
Dear ***************************,
Credit One Bank received your communication dated March 18, 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 February 1, 2023, your account was temporarily suspended, as Credit One Bank has procedures in place to help prevent fraud.The suspension was removed on March 18, 2023. As of the date of this letter,the account balance is $952.77.
As disclosed, once you activate your Credit One Bank card, you are responsible for all charges and fees associated with the use of your card. As long as there is a balance, you agree to pay at least the Minimum Payment Due on or before your due date every month or your account may be assessed a Late Fee.
We received your communication and are unsure whether you requested an account closure. If you would like to close your account, please send your request in writing or call 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.
BBB Case Number 19618143
PR035/A187422730
P.O.Box *****, Las Vegas, ** 89193-8873 P ************
Office of the President
March 30, 2023
***************************
*******************************. 3W
*******, ** 60153
RE: Account Number Ending in **** Case Number ***********
Dear ***************************,
Credit One Bank received your communication dated March 18, 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 February 1, 2023, your account was temporarily suspended, as Credit One Bank has procedures in place to help prevent fraud.The suspension was removed on March 20, 2023. As of the date of this letter,the account balance is $888.31.
As disclosed, once you activate your Credit One Bank card, you are responsible for all charges and fees associated with the use of your card. As long as there is a balance, you agree to pay at least the Minimum Payment Due on or before your due date every month or your account may be assessed a Late Fee.
We received your communication and are unsure whether you requested an account closure. If you would like to close your account, please send your request in writing or call 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.
BBB Case Number 19618143
PR035/A187407483
P.O.Box *****, Las Vegas, ** 89193-8873 P ************
Office of the President
March 30, 2023
***************************
************************** Apt. 3W
*******, ** 60153
RE: Account Number Ending in **** Case Number ***********
Dear ***************************,
Credit One Bank received your communication dated March 18, 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 February 1, 2023, your account was temporarily suspended, as Credit One Bank has procedures in place to help prevent fraud.The suspension was removed on March 29, 2023. As of the date of this letter,the account balance is $160.02.
As disclosed, once you activate your Credit One Bank card, you are responsible for all charges and fees associated with the use of your card. As long as there is a balance, you agree to pay at least the Minimum Payment Due on or before your due date every month or your account may be assessed a Late Fee.
We received your communication and are unsure whether you requested an account closure. If you would like to close your account, please send your request in writing or call 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.
BBB Case Number 19618143
PR035/A187407414
P.O.Box *****, Las Vegas, ** 89193-8873 P ************
Customer Answer
Date: 03/31/2023

Complaint: 19618143

I am rejecting this response because:
Creditone has not addressed that I was told my date of birth is not matching with their records. Nor have they addressed documentation that was uploaded to their website twice, on 2/9, Case #********* and 3/12, case number ********** to verify proof of my date of birth.I called customer service several time to obtain status, they state wait **** days, which this time frame has past. I also was told they could not pull up any information with the case numbers, or they could not find the information ect. Who changed my date of birth? I need my date of birth verified and updated immediately. To address the credit cards, I have two credit cards with Creditone. The one with the balance of ******, I never activated this account, or made any pucharses, but charged late fees, and finance charges. I want all fees waived immediately, and close my account on that credit card. The other two credit cards, I know I owe, and will pay accordingly. Creditone needs to address my concerns!

Sincerely,

***************************
Business Response
Date: 04/10/2023

See attached

Customer Answer
Date: 04/10/2023

Complaint: 19618143

I am rejecting this response because:
I submitted a objection response to Creditone on 3/31. I have not received a response into closing one of my credit card account. Nor have I received a response in regards to Creditone stating my date of birth is not matching with their records, nor has this information been updated. I would like both to be addressed immediately.

Sincerely,

***************************
Customer Answer
Date: 04/11/2023
From: ***** W
Date: Tue, Apr 11, 2023 at 1:14 PM
Subject: Re: You have a New Message from BBB Serving *************** Complaint #********
To: ***** L

Hello,

I would like to add, they indicated I opened a account in 2020. I have made calls in *********************************************** regards to my date of birth.

I was only was told in December of 2022 when I wanted to close my account ending in ****, that my date of birth is not matching with theirs. The 4 digit account number listed on the letter is the wrong account. I submitted proof, my date of birth has not changed. My account ending in **** has not been closed yet. I never made any purchases and being charged late fees.

***** W
Business Response
Date: 04/17/2023
Please see attached response letters
Initial Complaint
Date:03/20/2023
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.
MISLEADING FALSEREPORTING/PAYMENT STATUS IS INCORRECT CREDIT ONE BANK Number: ****** **This account is inaccurate and I am seeking litigation. This late payments reporting 1/2020 and 9/2022 are inaccurate. I will want this information it to be removed now. I sent letters on 2/13/2020 and 10/6/2022 and nothing was resolved. I want it deleted now.
Business Response
Date: 03/24/2023
Office of the President
March 24, 2023
***********************
*****************************************************************
RE: Account Number Ending in 9084
Case Number ***********
Dear ***********************,
Credit One Bank received your communication dated March 17, 2023, forwarded from the
Better Business Bureau of ***************.
Your account was reported to the consumer reporting agencies as Past Due on the following
date(s): December 2019 and September 2022. If your records indicate that you made valid
payments during the time that your account was reported Past Due, please provide a copy
of the billing statement, front and back copy of the canceled check(s) and/or traced
receipt(s) for money order(s) paid to Credit One Bank and we will assist you further.
Upon review of the account, we determined the above-referenced account is being reported
accurately.
On March 20, 2023, we were notified of your intent to retain or your retention of legal
representation. Please provide us with the name, phone number, and mailing address of
your attorney and we will address your inquiries with them. If you are not represented by
counsel any longer or believe that this notification was received in error, please notify us
in writing at the address 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.
BBB Case Number 19616750
Initial Complaint
Date:03/17/2023
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.
At the start of March, I began getting threatening phone calls from an unknown agency, who refused to identify themselves. I was threatened with Court and Jail. One of the individuals stated they were a lawyer and would see me in Court. I tried to inform them that I wanted to dispute these charges, but I was hung up. I attempted to request a Verification of Debt but was hung up on. I was cursed at and told I was a dumb a** This hurt deeply and as a Combat Veteran with PTSD, I was under the impression that I had wronged someone who was coming to me bodily harm. Then I was served on 03/15/2023 and it was ****************, who claimed that I have avoided them for Credit Card charges, which is a False and Fraudulent statement under the penalty of perjury. **************** sent correspondence to the incorrect address in ******** ******* when I resided at a location in ******* *******. The case number is CC2023-044206RC at ****************************** in ******* *******. On 03/16/2023 I did file my " Answer, " which was also sent to their Lawyer, who may be guilty of " Cooperative Misconduct." While LVNV FUNDING LLC is taking me to court to collect on a frivolous claim for Credit One Bank, they have also sent me an application for a new Credit Card with a limit of up to $2500.00. It has the approval code of ************ and has an acceptance date of 04/19/2023.I spoke with a Credit One representative who is the client of ****************, and the representative stated that their main office is in ********* ******. LVNV FUNDING LLC is located at *********************************************************************, and Credit One Bank is located in *********, ****** and the address is ******************************************************************* and the number is **************. These are fraudulent practices. The Credit One Bank call center is located in *************** and I spoke with a representative who told me to call him " K". He stated his ID# was *********.
Business Response
Date: 03/23/2023
Please see the attached correspondence
Initial Complaint
Date:03/17/2023
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 have a credit card with Credit One back and I had to make a dispute with a retailer because the item's were damaged. When originally filing the complaint in December of 2022, there was a language barrier between me and the representative at Credit One Bank and I had to call the **************** and explanation the situation. After the dispute was filed I received and email in January of 2023 stating that they denied the dispute and the were putting the charges back to the credit card. I had to reach out to Credit One bank and notify them that they retailer has not issued a refund back to me. I have spoken with Credit One Bank numerous times in February and March of 2023 and was pretty much told they are not doing anything. How am I not being protected under credit protection.
Business Response
Date: 03/24/2023
The correspondence is attached.
Customer Answer
Date: 03/24/2023

Complaint: 19611755

I am rejecting this response because: This matter has been going on for several months. Original documentation was provided to Credit One Bank and there had been multiple conversations with there Headquarters regarding this matter in January, February and March of 2023. The representatives that I had spoke over the course of those months did not want to look any further into the matter. I was told yester by ***** from the ******************* that they would get the matter resolved yesterday (3/23/23). I had to provide Credit One Bank additional documentation. Lord and ****** received there returned merchandise on January 30, 2023. I had explained this to Credit One bank multiple times. Through email and phone conversations. I do not feel I should have to wait another 90 days.

Sincerely,

*****************************
Business Response
Date: 03/31/2023
Office of the President
March 31, 2023
*****************************
*******************
**********,** 11720
RE: Account Number Ending in **** Case Number ***********
********************** received your communication dated March 27, 2023, forwarded from the Better Business Bureau of Southern ******.

On December 8, 2022, we received notification of your dispute for charge(s)totaling $172.19 with SP LORD & ****** . On March 28, 2023, we issued permanent credit(s) to your account totaling $172.19 for the disputed merchant charge(s) as well as any related interest and fees.The credit(s) will appear on an upcoming billing statement.

Your concerns have been forwarded to the appropriate department for review.We greatly appreciate you sharing your experience.
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 19611755
PR064/A187612922
P.O.Box *****, *********, ** 89193-8873 P ************
Customer Answer
Date: 04/03/2023

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:03/17/2023
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.
Opened new card 11/29/22, due to the companys issue card was not received until 1/4/23. First payment was due 1/5/23. I called and was told because card came late they would waive that ******* payment and first payment of $30 was due 2/5/23. I made this payment. Started receiving calls daily about account overdue. I spoke with close to a dozen people including supervisors who assured me that account was not overdue and it was fixed , only to get more calls days later. Last supervisor verified account was corrected and next amount due was $30. Spoke with person today who said it was not fixed and minimum due was $99 not the $30 it should be. He said the issue should have been done correctly in ******* but wasnt so they cant help. He stated account can not be fixed for past issues. They waived all the late fees, but my account should reflect a $30 payment due April 5,2023 instead of $99. I just want my account to be updated and fixed.
Business Response
Date: 03/24/2023
Office of the President
March 23, 2023
*****************************
*******************
*******, ** 87745
RE: Account Number Ending in **** Case Number ***********
Dear *****************************,
Credit One Bank received your communication dated March 16, 2023,forwarded from the Better Business Bureau of Southern ******.

Upon receipt of your communication and review of our records, we have updated your account status to reflect as current.

As disclosed, you may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:
5% of your outstanding balance, rounded up to the next whole dollar, or $30, whicheveris greater;
any Late Payment Fee for the current billing cycle;
and any Past Due Amount (excluding any past due Late Payment Fees).
Your concerns have been forwarded to the appropriate department for review.We greatly appreciate you sharing your experience.

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/A186580854
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 19604457

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/A186580854
P.O. Box *****, Las Vegas, ** 89193-8876 P ************
Customer Answer
Date: 03/24/2023

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:03/16/2023
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 paid off the charges made to my account from my debit card they post them the payments are returned it's says but the money never get put back into my account last charge made was from ******* $118 I made an express payment with my debit card the same day I made the charge on the 26th I over paid and paid $130 it posted on the 26th and for no reason it says payment returned but it wasn't returned to my bank I will not be paying these unnecessary return fees they keep charging me I have proof from my bank the money was immediately removed to cover charges but you posted them returned my payment but it never went back into my account and I didn't even apply for this card but I gave it a shot.
***Received email from consumer:
Hi, this is ********, I paid my bills it said processed then returned but the money never went back into my account I'm not paying return fees at all I suggest they stop scamming people someone has to be using my card
Business Response
Date: 04/13/2023
Office of the President
April 13, 2023
*****************************
************************
******, ** 72364
RE: Account Number Ending in **** Case Number ***********

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

Credit One Bank received your communication dated March 16, 2023, forwarded from the Better Business Bureau of ***************.
On January 28, 2023, you registered your routing number ending in **** and checking account number ending in **** from ****** Bank.The account information was entered by you, not Credit One Bank. A payment of $30.00 that was submitted by you on January 31, 2023, was returned by your financial institution on February 1, 2023, due to "Insufficient Funds."
A payment of $30.00 that was submitted by you on February 4, 2023, was returned by your financial institution on February 7,2023, due to "Insufficient Funds."
A letter was sent to you on February 2, 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 Returned Payment Fee of $25.00.
On February 4, 2023, you registered your routing number ending in **** and checking account number ending in **** from The ******************** Bank, ********************** Association.The account information was entered by you,not Credit One Bank.
Your payment due date is the 20th of every month;however, your billing statements close on the 24th of each month. We received a Debit Card payment of $245.58 on February 23, 2023, and posted to your account within your February 24, 2023, statement period.
All payments received prior to your statement cycle date will be posted to, and reflect on, the statement for that cycle date. When a payment was not received by March 20, 2023, your account was assessed a Late Fee.
A payment of $130.00 was received on February 26,2023.The payment was returned by your financial institution on February 28,2023, due to "Non-Transaction Account."
A payment of $47.00 was received on March 9,2023.The payment was returned by your financial institution on March 13, 2023,due to "Non-Transaction Account."
A payment of $70.00 was received on March 12,2023.The payment was returned by your financial institution on March 14, 2023,due to "Non-Transaction Account."
We recommend contacting your financial institution regarding the payments.
Please update your banking information online prior to submitting any additional payments.
As a courtesy, we have issued credit(s) for two Returned Payment Fee(s) in the amount of $55.00 and one Late Fee(s) in the amount of $29.00.
As of the date of this letter, your account is 24 day(s) delinquent with a balance of $199.82. 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 is closed and has been paid in full.
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).
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 19605502

Customer Answer
Date: 04/13/2023

Complaint: 19605502

I am rejecting this response because: I have made debit card transactions and have all the proof which I uploaded and signed the form authorizing you to communicate with my bank . The money was removed from my bank posted and returned as they say but it was not I intentionally didn't even order this card I live in ******** but I used it . It's in my name and paid for the charges I made look at all the documentation I submitted

Sincerely,

*****************************
Business Response
Date: 04/19/2023
Office of the President
April 19, 2023
*****************************
************************
******, ** 72364
RE: Account Number Ending in **** Case Number
Dear *****************************,
Credit One Bank received your communication dated April 13, 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.

We addressed the concerns presented by you in a previous communication. We have enclosed a copy of our letter dated April 13,2023, in which we addressed those concerns.
Your payment due date is the 20th of every month;however, your billing statements close on the 24th each month. We received a payment of $34.95 on February 14, 2023, and another payment of $245.58 on February 23, 2023, for a total of $280.53. Both payments posted to your account within your February 24, 2023, statement period.
All payments received prior to your statement cycle date will be posted to, and reflect on, the statement for that cycle date. When a payment was not received by March 20, 2023, your account was assessed a Late Fee.
On April 13, 2023, as a courtesy, we issued credit(s) for two Returned Payment Fee(s) in the amount of $55.00 and one Late Fee(s) in the amount of $29.00.

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/A189666143
P.O.Box *****, Las Vegas, ** 89193-8876 P ************
As of the date of this letter, your account is 30 days(s) delinquent and your balance is $199.82 with a Minimum Payment Due of $88.61 due by April 20, 2023.
We are unable to process your request because it is unclear. Please send a detailed explanation of your request or call the number listed below for further assistance.
Payments may be mailed to Credit One Bank, P.O. Box *****, ****************, ** *****. You can also make a payment online at CreditOneBank.com, by calling the number on the back of your card, or with the Credit One Bank mobile app. A fee may apply for payments made with representative assistance and any fee will be disclosed at time of payment. To avoid a late fee, please allow enough time for the payment to be received by the Payment Due Date.
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 ********

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Customer Answer

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Credit One Bank is BBB Accredited.