ComplaintsforCredit One Bank

• Initial Complaint

  05/12/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I sent in 2 money orders for my credit card accounts. They credited one of my accounts and not the other. The claim they didn't receive the second money other which I know is a lie because I mailed them in the same envelope.

  Business response

  08/24/2022

  Business Response /* (1000, 11, 2022/05/26) */ Office of the President May 26, 2022 ********************************************************* RE: Account Number Ending in **** and **** Case Number *********** Dear ***** ******, Credit One Bank received your communication dated May 12, 2022, forwarded from the Better Business Bureau of Southern Nevada. We attempted to contact you regarding your concerns; however, we have been unable to reach you. Our records reflect that a money order was received for the account ending in **** for a payment of $100.00, and was applied to the account on May 3, 2022. Our records do not reflect that we received a payment of $100.00 for the account ending in ****. If your records show that this payment was processed by Credit One Bank, please provide us with a receipt copy of the payment showing that it was cashed by Credit One Bank so we may investigate further. If you have any additional questions, please call Customer Service 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 ******** NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, 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 Group, P.O. Box *****, Houston, TX *****. P.O. Box *****, Las Vegas, NV ********** P ************ Consumer Response /* (3000, 13, 2022/06/01) */ I only spoke with them once and I want to know where is my $100 I called the bank where I bought my money orders from and they said they both was cashed. I made them out to credit one bank they are the only ones who could cash them. Someone is stealing money and I don't appreciate them taking my money like that I always pay my bills on time and they made my account over the limit by not applying my payment. I'm highly upset. I also mailed them a copy of the money order stub for proof. Business Response /* (4000, 15, 2022/06/08) */ RE: Account Numbers Ending in **** and **** Case Number *********** Dear ***** ******, Credit One Bank received your communication dated June 1, 2022, forwarded from the Better Business Bureau of Southern Nevada. Our records reflect that a money order was received for the account ending in **** for a payment of $100.00 and was applied to the account on May 3, 2022. Our records do not reflect that we received a payment of $100.00 for the account ending in ****. If your records show that this payment was processed by Credit One Bank, please provide us with a traced receipt of the money order showing that it was cashed by Credit One Bank so we may investigate further. If you have any additional questions, please call Customer Service 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 ******** Office of the President June 7, 2022 ********************************************************* NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, 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 Group, P.O. Box *****, Houston, TX *****. P.O. Box *****, Las Vegas, NV ********** P ************ PR018/**********

• Initial Complaint

  05/12/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I reached out to credit one to file a dispute for a purchase I made, and the company wouldn't take the defective item back. I was told to file my dispute in writing, which I did. I called today 5/12/2022 to find out if they received my dispute. The customer service agency informed me that they hadn't received my dispute yet, I informed him per the tracking information my dispute was received 5/5/2022 1:38pm. He told me that I had to wait 30 t0 60 days for them to receive my dispute. I just want to return the item to the seller and get my money back so I can close this card with Credit one.

  Business response

  08/24/2022

  Business Response /* (1000, 11, 2022/05/26) */ Office of the President May 26, 2022 *********************************************** RE: Account Number Ending in **** Case Number *********** Dear ******* *******, Credit One Bank received your communication dated May 12, 2022, forwarded from the Better Business Bureau of Southern Nevada. We forwarded your concerns regarding your dispute(s) with ************ of $162.59 to the appropriate department for investigation. You will be advised in writing of the outcome of the investigation within two complete billing cycles not to exceed 90 days. 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 Customer Service 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 ******** NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, 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 Group, P.O. Box *****, Houston, TX *****. PR018/********** P.O. Box *****, Las Vegas, NV ********** P ************

• Initial Complaint

  05/10/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Credit One caused my checking account to be overdrawn by attempting to collect a payment that was not authorized. I am also unable to set up a scheduled payment because Credit One has an automatic payment scheduled to come out of my account the 21st of each Month. I did not authorize for this to be on my account and would like for this to be removed from my account.

  Business response

  08/24/2022

  Business Response /* (1000, 11, 2022/05/26) */ Office of the President May 26, 2022 ******* ********** ************************************************ RE: Account Number Ending in **** Case Number *********** Dear ******* **********, Credit One Bank received your communication dated May 10, 2022, forwarded from the Better Business Bureau of Southern Nevada. On May 21, 2022, you registered your routing number ending in **** and checking account number ending in **** from **********************.The account information was entered by you, not Credit One Bank. At that time, you requested to schedule a payment of $60.00 to be paid on May 27, 2022. As of May 26, 2022, the account ending in **** is not enrolled in AutoPay. To enroll in AutoPay, access your account online through CreditOneBank.com or through the Credit One Bank mobile app. For enrollment instructions, visit the AutoPay Frequently Asked Questions page on the Credit One Bank website. To help prevent fraud, we may impose a monthly limit on the number of electronic payments that may be made within a 30-day period. There is no limit on the number of payments you can make by mail. NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, 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 Group, P.O. Box *****, Houston, TX *****. PR018/********** P.O. Box *****, Las Vegas, NV ********** P ************ If you have any additional questions, please call Customer Service 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 ******** NOTICE:The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, 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 Group, P.O. Box *****, Houston, TX *****. PR018/********** P.O. Box *****, Las Vegas, NV ********** P ************

• Initial Complaint

  05/10/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  In September/October of 2021 I logged into ************ and it was showing my account with them were closed. I contacted Credit One and they said my account was not closed. The credit bureau contacted them and said they told them the account was close. I filed a dispute again the credit card and it was closed because they reported that account is closed. I again called them and they pretended to be so shocked as if they were unaware of what was going on. So I proceeded to file another dispute about my account being close, again the bureau closed it saying the company reported my account closed so their finding was accurate. After literally yelling and getting out of character I was able to speak to a manager who said the company would look into it. They sent me a letter explaining their process takes 60-90 and they representative told me I would be notified. So periodically I would check and it was still being reported as closed. I had to go out the country for my grandmother's funeral. I left January 3rd and my account was still saying closed. When I contacted the company they were "still investigating" so I told them to send me the information stating when my account and how much is the remaining balance. They never sent it. Then they reported my account for missed payments and all of a sudden my account is no longer closed. They never contacted me saying they were keeping it open and they never sent me the information I requested about my closed account. My credit score dropped 94 points because of what they did. When I contacted them to figure out what happened they claimed they opened my account on January 22nd and they never sent a letter they called me but I never answered and they are not allowed to leave voice messages. I had to pay certain amount of money that they claim would fix the situation but it didn't. Even after paying what they told me they still reported my account as past due. And they refuse to change the reporting on my credit report.

  Business response

  08/26/2022

  Business Response /* (1000, 11, 2022/05/26) */ *** 26, 2022 ******** ***** **** **** **** ****** ** XXXXX RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear ******** *****, Credit One Bank received your communication dated May 10, 2022, forwarded from the Better Business Bureau of Southern Nevada. We are required by the Fair Credit Reporting Act to report accurate information to the consumer reporting agencies. Our investigation into your request has determined that the above-referenced account is being reported as open. 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. Your billing statement that closed on January 24, 2022, reflected a minimum payment of $32.00 due by February 20, 2022. Your billing statements with closure dates of February 24, 2022, through May 24, 2022, did not reflect the Minimum Payment Due was received; therefore, your account was considered delinquent and our representatives attempted to contact you regarding your payment. As a courtesy, we requested the removal of the delinquency previously reported for March 2022 from your credit history. Please allow the consumer reporting agencies 60 days to update their records. If you need to provide evidence of the requested change prior to the consumer reporting agencies' ability to update their records, please provide a copy of this letter. We have provided the above-referenced information to the following consumer reporting agencies: Equifax: XXX-XXX-XXXX or XXX-XXX-XXXX Experian: XXX-XXX-XXXX TransUnion: XXX-XXX-XXXX As of the date of this letter, your account is open with a balance of $600.63. 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. 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 Customer Service at XXX-XXX-XXXX, 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 XXXXXXXX Consumer Response /* (3000, 13, 2022/06/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this response because they have yet to address the real issue. There were NO payments because my account was closed by them. The credit bureaus reached out to them more than once and they reported it closed. So when I called them they opened an investigation. Over 3 months their investigation took but they NEVER reached out to say the issue was resolved and my account is back open. So them only correcting one month on my credit report is not fair. Business Response /* (4000, 16, 2022/06/08) */ RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear ******** *****, Credit One Bank received your communication dated June 1, 2022, forwarded from the Better Business Bureau of Southern Nevada. On December 16, 2018, you spoke with our Customer Service representative to request account closure. At that time, the account was closed. On December 18, 2018, you spoke with our Customer Service representative to request the account be reinstated. At that time, the account was reinstated and once again made available for use.The reporting status was inadvertently not updated at that time to reflect as open with the consumer reporting agencies. On October 26, 2021, a request was submitted with the consumer reporting agencies to update the reporting status to reflect as open. At that time, you were advised to allow 60 to 90 days for the consumer reporting agencies to update their records. We have verified that the above referenced account is being reported as open to the consumer reporting agencies. 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. Office of the President June 8, 2022 ******** ***** **** **** *** ****** ** XXXXX NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, 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 Group, P.O. Box XXXXX, Houston, TX XXXXX. P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX PR018/AXXXXXXXXX Your billing statement that closed on January 24, 2022, reflected a minimum payment of $32.00 due by February 20, 2022.Your billing statements with closure dates of February 24, 2022, and March 24, 2022, did not reflect that the minimum payments were received by the due dates; therefore, the account was assessed a Late Fee each month and was reported accordingly to the consumer reporting agencies. As a courtesy, on *** 25, 2022, we requested the removal of the delinquency previously reported for March **** from your credit history. Please allow the consumer reporting agencies 60 days to update their records. If you need to provide evidence of the requested change prior to the consumer reporting agencies' ability to update their records, please provide a copy of this letter. We are required by the Fair Credit Reporting Act to report accurate information to the consumer reporting agencies. As of the date of this letter, our records reflect that this account is 19 day(s) delinquent with a balance of $600.63. Upon review of the account, we determined that the account is being reported accurately. If you have any additional questions, please call Customer Service at XXX-XXX-XXXX, 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 XXXXXXXX NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, 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 Group, P.O. Box XXXXX, Houston, TX XXXXX. P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX Consumer Response /* (4200, 18, 2022/06/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) They are proving my point that my account was reported closed without me closing it.. And they are admitting that they said they would investigate and the investigation would take time. However, they NEVER got back to me about the investigation. So I was never made aware when the investigation was over. I did not receive a letter or email or anything. So since they were reporting my account closed I asked for it in writing. They decided to randomly reopen my account without informing me, just like they closed my account without informing me. So reporting late/missed payments for a closed account is not fair. March is not the only month they need to rectify for the wrong reporting on my credit report. Once I found out my account is indeed open I made a payment to cover the months they were claiming it was open just to avoid late fees and other bad remarks on my report. And even then they amount the representative told me I set up they payment to be deducted from my account. After they payment was received they still had my account as past due. Saying the amount I was told is wrong and I still have a remaining balance. So I had to make another payment. All this company knows how to do is lie and scam their customers. Business Response /* (4000, 20, 2022/06/20) */ June 20, 2022 ******** ***** **** **** **** ****** ** XXXXX RE: Account Number Ending in **** Case Number XXXXXXXXXXX Credit One Bank received your communication dated June 12, 2022, forwarded from the Better Business Bureau of Southern Nevada. Per your request, your account was closed on December 16, 2018. On December 18, 2018, you spoke with our Customer Service Representative to request the account be reinstated. At that time, the account was reinstated. The reporting status was inadvertently not updated to reflect as open with the consumer reporting agencies. On October 26, 2021, a request was submitted with the consumer reporting agencies to update the reporting status to reflect as open. We are required by the Fair Credit Reporting Act to report accurate information to the consumer reporting agencies. As of the date of this letter, our records reflect that this account is open and 31 day(s) delinquent with a balance of $600.63. Upon review of the account, we determined that the account is being reported accurately. Copies of your billing statements with closure dates of January 24, 2022, through May 24, 2022, will be sent under separate cover.The statements detail the activity on the account. As a courtesy, on May 25, 2022, we requested the removal of the delinquency previously reported for March 2022 from your credit history. Please allow the consumer reporting agencies 60 days to update their records. If you need to provide evidence of the requested change prior to the consumer reporting agencies' ability to update their records, please provide a copy of this letter. We have issued credit(s) for one Late Fee(s) in the amount of $39.00, as a courtesy, which will appear on an upcoming billing statement. If you have any additional questions, please call Customer Service at XXX-XXX-XXXX, 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 XXXXXXXX

• Initial Complaint

  05/03/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Please INVESTIGATE why this credit card company does not ENFORCE a more reliable protection for its consumers. I contacted a MOVING COMPANY weeks ago because I needed to move some furniture. I was requested to pay a $100.00 deposit. However, when I paid it I was told ONLY after I paid the deposit it was non-refundable. Therefore, they get you to pay a deposit, then they tell you a day later it is non-refundable. You're stuck with the company. Weeks later, I scheduled my move. I lived at **** ***** COMMON ****** ****** ** XXXXX, I was moving to **** ********** RD, ****** ** XXXXX. I moved exactly 6 miles from my old address. The moving company was requested to have my move scheduled at 8:00 am Friday 4/29/22 to AVOID traffic. I was told my estimate charges were $384.00 maximum 454.00. Therefore, with the $100 deposit, a second charge would be in the amount of 284.00. In total $384.00. The movers called me on Thursday, April 28, 2022, and stated they could not get to me until 2:00 pm. I argued this would cause significant DELAYS. Traffic in ** on ******** hill ROAD is serious. I was scammed. This was done intentionally. They arrive at 2:10 pm. It was 3 men. They told me my two couches had to be wrapped up. I asked why? This took them 20 minutes. They went downstairs and were TALKING on the phone for over 25 minutes. My stuff was in the truck by 250 or 3:00 pm. We headed down ******** hill. It took over 20 minutes in traffic. My furniture was unloaded. I was approached and asked to sign to show they completed the job. I noticed the charge of 454.00 and the mover (supervisor) stated don't worry, your $100 deposit is taking that down to 354.00. Furthermore, I said how is it $354.00. He said we went OVERTIME. I said what? He asked for a $100 or $200 or 300 tips. I said no sir. I later found they tipped themselves $50.00. This PLACE is a scam and I want my credit card company to do more. These people, the MOVING company ******** ******* are crooks.

  Business response

  08/20/2022

  Business Response /* (1000, 14, 2022/05/19) */ RE: Account Number Ending in **** Case Number *********** Dear ****** *****, Credit One Bank received your communication dated May 11, 2022, forwarded from the Better Business Bureau of Southern Nevada. We forwarded your concerns regarding your dispute(s) with ******* ****** of $490.22 to the appropriate department for investigation.You will be advised in writing of the outcome of the investigation within two complete billing cycles not to exceed 90 days. On April 30, 2022, we received notification of your dispute for charge(s) totaling $100.00 with ******* ******. While our investigation is underway, provisional credit(s) were issued on May 16, 2022, for the transaction(s).You will be advised in writing of the outcome of the investigation within two complete billing cycles not to exceed 90 days from April 30, 2022. If you have any additional questions, please call Customer Service 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 ******** Office of the President May 19, 2022 ****** ***** ********************************************** NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, 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 Group, P.O. Box *****, Houston, TX *****. P.O. Box *****, Las Vegas, NV ********** P ************ PR018/**********

• Initial Complaint

  05/03/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Credit One issue me a credit card with a limit of $800. And allowed **** rental car company to submit a payment for $3,400 and approved the charge instead of rejecting the charge. I submitted a dispute immediately. They also have not provided any documents I or my card holder signed for any agreement to pay any $3,400 payment to this crooked rental car company. They have not granted me any credit limit for this amount and should not be approving any such amount. They are trying to steal money from me and ruin my good credit by leaving this fraudulent charge on my credit card cc ending ***** In addition they unlawfully charged this amount on my credit card in February and also failed to submit any agreement for me to pay this amount to this company. They need to remove this fraudulent charge immediately or I will seek other avenues to have this resolved. If **** has any dispute in charges, they should have submitted a dispute immediately not 2 and a half months later and for credit one to join in and not protect their card holder is absolutely unprofessional and criminal.

  Business response

  08/20/2022

  Business Response /* (1000, 11, 2022/05/16) */ ************************************************************* RE: Account Number Ending in **** Case Number *********** Dear ******* ******, Credit One Bank received your communication dated May 3, 2022, forwarded from the Better Business Bureau of Southern Nevada. On February 15, 2022, a Lost/Stolen report was processed on your account ending in ****. This account was noted with possible fraudulent activity and a new account ending in **** was established. Provisional credits are issued pending the outcome of the investigation. Upon receipt of your communication, we reopened and completed the investigation for your account ending in ****.You were held not responsible for the fraudulent transaction(s) totaling $3,578.30. In addition, related fees totaling $78.00 and interest charges totaling $118.87 have been credited. These adjustments 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. We apologize for any inconvenience this may have caused. If you have any additional questions, please call Customer Service 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 ********

• Initial Complaint

  05/03/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I've sent 3 letters asking that the social security number on account ****-****-****-**** be updated but it still hasn't been completed. I sent the first letter back in late October.

  Business response

  09/02/2022

  Business Response /* (1000, 12, 2022/08/09) */ Office of the President August 9, 2022 ******* ******* **** **** **** *** ****** ****** ** XXXXX RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear ******* *******, Credit One Bank received your communication dated August 2, 2022, forwarded from the Better Business Bureau of Southern Nevada. The document(s) we received were not legible. To continue processing your request, please provide a legible copy of the following: Social Security card and Drivers License. Credit One Bank adheres to the Fair Credit Reporting Act when furnishing information to the consumer reporting agencies. Upon review of the account, we determined that the account is being reported accurately. When you are able to gain access to a computer, here are the things you should try if you are still having trouble accessing your online account: clear cache/browsing history; reset username and password (fields are case-sensitive); and enter information manually (do not use the browser's "auto-populate" feature). Please call us at the number listed below if you still need assistance. Payments may be mailed to Credit One Bank, P.O. Box XXXXX, City of Industry, CA XXXXX. 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. 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 Customer Service at the phone number listed below. 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 Customer Service at XXX-XXX-XXXX, 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 XXXXXXXX Consumer Response /* (2000, 14, 2022/08/11) */ (The consumer indicated he/she ACCEPTED the response from the business.)

• Initial Complaint

  05/01/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I would like an email address or a manager to call me. I became late with my payments because of a medical tragedy. I made arrangements March 4th . I said I would pay in full on March 28th instead of 18th. pay them IN FULL which was $100 more than what I owed. Then they continue to mark me late, charge me fees, then mark me late again. I call and explain the situation and am told "it's all going to be fixed to just wait" "you must be patient". I chat on their web site and am told the same thing. I mailed a letter and it disappeared. Yet it gets worse on my credit report. Month after month. I reported it with a credit bureau and all the correspondence had disappeared. I ask for conformation in letter form at the phone calls and they " can't send anything " it's extremely frustrating. I explained the unavoidable situation, I paid in full for $100's more. Made a agreement that March will not be classed as late and yet they don't care. So, I want an email address or a person who has some compassion and will get this situation fixed now.

  Business response

  08/21/2022

  Business Response /* (1000, 12, 2022/05/19) */ RE: Account Number Ending in **** Case Number *********** Dear ****** ******, Credit One Bank received your communication dated May 1, 2022, forwarded from the Better Business Bureau of Southern Nevada. Upon receipt of your communication and review of our records, we have requested the removal of the delinquencies previously reported for November 2021 through March 2022 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 information to the following consumer reporting agencies: ************************************************************************************* On May 19, 2022, a credit balance refund check of $39.00 was requested and will be sent under separate cover. Please allow 7-10 days for mailing time. As of the date of this letter, your account status is Closed with a zero balance. Your billing statement that closed on September 22, 2021, reflected a minimum payment of due by October 18, 2021. Your billing statements with closure dates of October 22, 2021, through March 22, 2022, did not reflect that the minimum payments were received by the due dates; therefore, the account was assessed a Late Fee each month and was reported accordingly to the consumer reporting agencies. Copies of your billing statements with closure dates of September 22, 2021, through April 22, 2022, are enclosed. Office of the President May 19, 2022 ****** ****** ********************************* P.O. Box *****, Las Vegas, NV ********** P ************ PR019/********** On August 19, 2021, you enrolled your account in paperless documents. This sends notifications to your email address advising that your billing statements are available and statements are no longer sent through postal mail. The enrollment included an email address of *************@yahoo.com. Email notifications were sent to advise you when your monthly billing statements with closure dates of August 22, 2021, through April 22, 2022, were available. Billing statements are available online through your account at CreditOneBank.com in the 'Documents & Statements' section. We have forwarded the concerns you expressed to the appropriate department for review. While we are unable to share the results, we greatly appreciate you sharing your experience. If you have any additional questions, please call Customer Service 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 ******** P.O. Box *****, Las Vegas, NV ********** P ************ ***Please see attached copy of response received by mail*** Consumer Response /* (2000, 14, 2022/05/20) */ (The consumer indicated he/she ACCEPTED the response from the business.) I appreciate you looking into and correcting this. Thank you.

• Initial Complaint

  04/30/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  My payments were coming from the wrong account. I asked to speak from a representative from the US not a India based call center. I reached out to social media and then a person from India called. And my credit tanked. The issue could have been resolved if I spoke with a US representative that I could have understood. I wish for my credit to be adjusted and a manager from the US call center to call me and help resolve the issue so my credit is repaired and India never calls me again

  Business response

  08/24/2022

  Business Response /* (1000, 12, 2022/05/17) */ May 13, 2022 **************************************************** RE: Account Number Ending in **** Case Number *********** Dear Anthony *** *******, Credit One Bank received your communication dated April 30, 2022, forwarded from the Better Business Bureau of Southern Nevada. Credit One Bank adheres to the Fair Credit Reporting Act when furnishing information to the consumer reporting agencies. Upon review of the account, we determined that the account is being reported accurately. A payment of $60.00 that was submitted by you on April 23, 2022, was returned by your financial institution on April 27, 2022, due to "Insufficient Funds." A letter was sent to you on April 28, 2022, 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 $39.00. Your recent communication mentioned military service. If you would like your account to be reviewed for Servicemembers Civil Relief Act (SCRA) eligibility, please provide a copy of your valid Military Orders, for our review. You may upload the document(s) online, by signing into your Credit One Bank account and visiting the 'Customer Service' page.Then click on 'Forms & File Uploads' and select 'Servicemembers Civil Relief Act (SCRA) Required.'You may also send the document(s) to the address listed below and note your account number on any submitted documents. Credit One Bank Attn: SCRA Department P.O. Box ***** Las Vegas, NV ********** Our representatives are trained extensively to handle any customer service concerns. To speak with a Customer Service representative in the U.S., you can call our Customer Service number and ask to have someone in the U.S. call you back. It may take up to five business days for the follow-up call to occur. If you have any additional questions, please call Customer Service 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 ******** Consumer Response /* (2000, 14, 2022/05/20) */ (The consumer indicated he/she ACCEPTED the response from the business.) I just want a correction to my credit report I can provide copys of my orders I was unable to get any of said communication as I was away... Consumer Response /* (3000, 16, 2022/05/20) */ I didn't want to accept the response it says u accept it I want them to correct my credit report. It would be of great benefit to me if my credit could just receive a correction with the bill being paid. Business Response /* (4000, 18, 2022/05/26) */ May 26, 2022 **************************************************** RE: Account Number Ending in **** Case Number *********** Dear Anthony *** *******, Credit One Bank received your communication dated May 20, 2022, forwarded from the Better Business Bureau of Southern Nevada. As a courtesy, we have requested the removal of the delinquencies previously reported for April 2020 and April 2022 from your credit history. Please allow the consumer reporting agencies 60 days to update their records. If you need to provide evidence of the requested change prior to the consumer reporting agencies' ability to update their records, please provide a copy of this letter. We have made the request to the following consumer reporting agencies: ************************************************************************************* Your recent communication mentioned military service. If you would like your account to be reviewed for Servicemembers Civil Relief Act (SCRA) eligibility, please provide a copy of your valid Military Orders, for our review. You may upload the document(s) online, by signing into your Credit One Bank account and visiting the 'Customer Service' page.Then click on 'Forms & File Uploads' and select 'Servicemembers Civil Relief Act (SCRA) Required.'You may also send the document(s) to the address listed below and note your account number on any submitted documents. Credit One Bank Attn: SCRA Department P.O. Box ***** Las Vegas, NV ********** If you have any additional questions, please call Customer Service 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 ********

• Initial Complaint

  04/27/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Somehow I was signed up for the Credit Protection Program in May 2019, which has a monthly fee based on your balance. I did not sign up for the program at that or any time. However, I was told two different stories by two different employees on how I signed up for the program. On, April 21st I was told that I, "called in and signed up for the program." But on April 27th, I was told that, "I must have signed up for the program when I signed up for the card." In addition, I was given no reason over the phone as to why my request was denied, stating that all they could say is, "the decision is explained in the letter." I inquired what letter and they stated they had sent one to me via mail, I asked them to verify the mailing address it was sent to, but they could not do that and asked me for my current mailing address to see if it matched their records which they say it did. I would like all the money that I was charged, plus my interest refunded back to my account. I have already closed my accounts with Credit One as they will not advise me why my request was rejected or provide any specific information as to my enrollment in this program. They've stolen money from me.

  Business response

  08/22/2022

  Business Response /* (1000, 12, 2022/05/11) */ RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear *********** ******, Credit One Bank received your communication dated April 28, 2022, forwarded from the Better Business Bureau of Southern Nevada. On April 25, 2022, we cancelled your enrollment in our optional Credit Protection Program. Our records reflect you enrolled in our optional Credit Protection Program ("Program"), upon submission of your application through Credit One Bank's website on May 14, 2019. Although all Credit Protection Fees are valid, we have requested to adjust all fees billed for this program, in the amount of $354.74, as a courtesy. These adjustments will appear on an upcoming billing statement. If you have any additional questions, please call Customer Service at XXX-XXX-XXXX, 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 XXXXXXXX Office of the President May 11, 2022 *********** ****** **** ******* ***** ** ******* ** XXXXX NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, 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 Group, P.O. Box XXXXX, Houston, TX XXXXX. P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX Consumer Response /* (3000, 14, 2022/05/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) The IP address, ************ is a location that I have never visited. Again, I never signed up for anything that would involve paying an extra fee. Thank you, ***** Business Response /* (4000, 16, 2022/05/20) */ RE: Account Number Ending in **** Case Number XXXXXXXXXXX Dear *********** ******, Credit One Bank received your communication dated May 13, 2022, forwarded from the Better Business Bureau of Southern Nevada. Per our phone conversation on May 19. 2022, we have provided an itemized list of the Credit Protection Fee(s) charged to your account. As a courtesy, we adjusted Credit Protection Fee(s) totaling $354.74, which will appear on an upcoming billing statement. Credit Protection Fee Credit Protection Statement Date Fee Statement Date May 25, 2019 $0.00 January 25, 2021 $0.58 June 25, 2019 $4.81 February 25, 2021 $6.25 July 25, 2019 $8.85 March 25, 2021 $6.30 August 25, 2019 $7.28 April 25, 2021 $14.38 September 25, 2019 $7.79 *** 25, 2021 $7.75 October 25, 2019 $7.57 June 25, 2021 $16.12 November 25, 2019 $7.05 July 25, 2021 $18.06 December 25, 2019 $7.75 August 25, 2021 $18.05 January 25, 2020 $3.94 September 25, 2021 $17.92 February 25, 2020 $2.92 October 25, 2021 $17.92 March 25, 2020 $9.01 November 25, 2021 $17.92 Office of the President *** 20, 2022 *********** ****** **** ******* ***** ** ******* ** XXXXX NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, 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 Group, P.O. Box XXXXX, Houston, TX XXXXX. P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX PR018/AXXXXXXXXX April 25, 2020 $11.82 December 25, 2021 $18.44 May 25, 2020 $6.58 January 25, 2022 $18.43 June 25, 2020 $11.91 February 25, 2022 $18.32 July 25, 2020 $3.52 March 25, 2022 $17.31 August 25, 2020 $13.80 September 25, 2020 $7.24 October 25, 2020 $7.58 November 25, 2020 $11.56 December 25, 2020 $0.00 As of the date of this letter, your account is closed and reflects a zero balance. Your request for compensation is respectfully denied. If you have any additional questions, please call Customer Service at XXX-XXX-XXXX, 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 XXXXXXXX NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, 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 Group, P.O. Box XXXXX, Houston, TX XXXXX. P.O. Box XXXXX, Las Vegas, NV XXXXX-XXXX P XXX-XXX-XXXX

*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. ↩