Business Profile

Credit Cards and Plans

Credit One Bank

Headquarters

Complaints

This profile includes complaints for Credit One Bank's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

2,226 total complaints in the last 3 years.
763 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:12/13/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with Credit One and do not have a contract with ****************. They did not provide me with the original application as I asked. I have tried to settle this numerous times instead I'm faced with an collection on my credit report for an account I have no responsibility for. I demand this account be deleted from my credit report.
Business Response
Date: 01/05/2023
See attached document
Initial Complaint
Date:12/13/2022
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.
PNDPRI ***************** has been turned over my two credit card debts. Accounts ending **** $Charged off: $ ******* and accounts ending in **** Charged off: $1412.65> I asked for the company information and telephone number because I am working with a consolidating company. I do not want to wait until the collection departement started harrassing me with telephone calls which I asked Credit One tonight on the telephone for their information and telephone number to pass it on to the consolidation company. They gave me a hard time with the name and it seems like they only provided me with initials and refused to provide me working telephone company for the collection agency who is housing my account. It appears they do not want me to rectify the situation due to me not able to pay since I lost my jobs, experienced COVID 19 and the Flu on top of Bronchitis recently.
Business Response
Date: 12/23/2022
December 23, 2022
****************************
2394 *********************
********, ** 30067
RE: Account Number Ending in 9293
Case Number ***********
Dear ****************************,
Credit One Bank received your communication dated December 12, 2022, forwarded from
the Better Business Bureau of ***************.
Due to non-payment for more than 180 days, the account charged off on December 6,
2022, and it is scheduled to be sold to a third-party agency. You should receive
communication from the third-party agency within 60 days.
All debt collection communications from Credit One Bank regarding this credit card account
ceased when the account was sold to the above-referenced third-party agency. Any current
collection efforts on this account are not on behalf of Credit One Bank.
As a courtesy, we requested the removal of the Credit One Bank tradeline from your credit
history on December 23, 2022. Please allow the consumer reporting agencies 60 days to
update their records. Any reporting of this account by any other party will need to be
addressed by you directly with the other party. If you need to provide evidence of the
requested change prior to the consumer reporting agencies ability to update their records,
please provide a copy of this letter.
We have provided the above-referenced information to the following consumer reporting
agencies:
Equifax: ************ or ************
Experian: ************
TransUnion: ************
If you have any additional questions, please call **************** at ************,
Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between
6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 18564751

December 23, 2022
****************************
2394 *********************
********, ** 30067
RE: Account Number Ending in 8731
Case Number ***********
Dear ****************************,
Credit One Bank received your communication dated December 12, 2022, forwarded from
the Better Business Bureau of ***************.
Due to non-payment for more than 180 days, the account charged off on November 21,
2022, with a balance of $1,412.65. The ownership of the account was transferred to
the party referenced below. Since Credit One Bank no longer has a financial interest in
this account, please contact the party listed below.
*****************
P.O. Box 10497
**********, ** 29603
************
All debt collection communications from Credit One Bank regarding this credit card account
ceased when the account was sold to the above-referenced third-party agency. Any current
collection efforts on this account are not on behalf of Credit One Bank.
As a courtesy, we requested the removal of the Credit One Bank tradeline from your credit
history on December 23, 2022. Please allow the consumer reporting agencies 60 days to
update their records. Any reporting of this account by any other party will need to be
addressed by you directly with the other party. If you need to provide evidence of the
requested change prior to the consumer reporting agencies ability to update their records,
please provide a copy of this letter.

We have provided the above-referenced information to the following consumer reporting
agencies:
Equifax: ************ or ************
Experian: ************
TransUnion: ************
If you have any additional questions, please call **************** at ************,
Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between
6:30 a.m. and 5:00 p.m. (Pacific Time).

Sincerely,
Credit One Bank, N.A.
BBB Case Number 18564751
Customer Answer
Date: 01/13/2023

Complaint: 18564751

I am rejecting this response because:
I need to know the exact informatuon to where my account is. I submitted the complaint due the request of the company to provide me where the account is but Credit One told me to wait for the collections to contact me which they are supposed to provide me the information.

Sincerely,

****************************
Business Response
Date: 01/20/2023
January 20, 2023
****************************
2394 ***********************
********, ** 30067
RE: Account Number Ending in **** and 9293
Case Number 20230116002
Dear ****************************,
Credit One Bank received your communication dated January 13, 2023, forwarded from
the Better Business Bureau of ***************.
Upon review, we discovered that we already processed this request in response to a
previous communication. Please see the enclosed letters dated December 23, 2023, that
was sent in response.
We have verified that the account is not being reported to the consumer reporting agencies
on behalf of Credit One Bank. Any reporting of this account by any other party will need
to be addressed by you directly with the other party.
We have provided the above-referenced information to the following consumer reporting
agencies:
Equifax: ************ or ************
Experian: ************
TransUnion: ************
If you have any additional questions, please call **************** at ************,
Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between
6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 18564751
Initial Complaint
Date:12/12/2022
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.
HI In the month of November of this year, I contacted the bank's customer service to state that someone without my authorization was using my credit card that ended in ****. I repeatedly informed the representative that 7 transactions appeared in my account. which I had not done.I also let the representative know that on October 14 of this year I paid the full balance of my credit card which was $580 and that at that time I had no outstanding debt with the bank from this account. The representative who apparently spoke Spanish found it difficult to understand me and the truth has always been this problem with bank staff whether they speak English or Spanish. After repeating my situation more than 3 times, I informed the representative that I only wanted to dispute for fraud the transactions on October 29 and November 1, which totaled 7 transactions, 2 on October 29 and 5 on 1 of November. I receive an email from the bank where all the transactions and the total value of the dispute are shown (Document # 1), yesterday I received an electronic letter from the bank informing me that my dispute was denied (Document # 2) Since I was disputing transactions since the beginning of the year 2022, which are more than 25, I immediately call the bank's customer service to report the error on their part and their response, including the Supervisor who calls himself *********************** It is that I have to pay the amount in dispute that adds up to 307 dollars, I am dissatisfied and annoyed by letting them know that the error was their part and therefore it is not fair that I pay for purchases that I do not authorize or make myself They tell me that to open the dispute, even knowing that it was an error by the bank, I have to request a police report on the theft of the card, which they could no longer receive since more than a month has passed since what happened. Due to the lousy service of the bank, I decided to close my accounts.
Business Response
Date: 12/20/2022
Please see attached letter sent to consumer.
Initial Complaint
Date:12/12/2022
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On 11/29/22 my mother requested a *********** Payment of $1,967.00 from her ************* to her Credit One Bank Credit Card, however she had provided the wrong card number. My mother is an authorized user, but her payments are not my payments. On 11/30/22 Credit One Bank received the funds of $1,967.00. I called & received calls from Credit One Bank on 11/29, 11/30, 12/1, 12/2, 12/7, 12/9 & 12/12 to repeatedly ask them to return the funds posted on 11/30 to the wrong card number or to help us apply the payment to the correct card. I have asked multiple times on each interaction to return the payment or apply to the correct card. No response had been received and the funds are still showing on the wrong credit card. My mother has reached out to ******** to request a return of the funds since my attempts at reaching Credit One Bank have been unsuccessful.
Business Response
Date: 12/27/2022
Office of the President
December 27, 2022
***************************
2470 ************** Unit 3
********, ** 06437
RE: Account Numbers Ending in **** and 1800
Case Number 20221220034
Dear ***************************,
Credit One Bank received your communication dated December 12, 2022, forwarded from
the Better Business Bureau of Southern ******.
We attempted to contact you regarding your concerns; however, we have been unable to
reach you.
Your request for a refund is denied.
For further assistance please call our office at the number listed below.
On December 15, 2022, 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 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 18560915
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 **********************, ************************************ 77052.
P.O. ********************************************** P ************
Customer Answer
Date: 01/03/2023

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.
I am currently in communication with their representative, and have a call scheduled for Friday, January 20th to follow through.
I appreciate the assistance with this issue, as it has helped in getting through to the right channels.

Sincerely,

***************************
Initial Complaint
Date:12/12/2022
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 somehow attempted to get money from a savings account that they did not have access too. They depleted my savings.I need to know how and where the unauthorized payment went and no one can supply me with that info.My savings account is not listed anywhere on any payment methods and no one can tell me what account this went to.I've called them numerous times.. I spoke on 12-10-2022 to a lady named "****" who literally started whistling when she couldn't answer **** called right back and spoke to "***" who also hung up.I need to know where this money went.
Business Response
Date: 01/13/2023
December 20, 2022
***********************
16210 *************
*******, ** 60428
RE: Account Number Ending in 4938
Case Number ***********
Dear ***********************,
Credit One Bank received your communication dated December 12, 2022, forwarded from
the Better Business Bureau of ***************.
We attempted to contact you regarding your concerns; however, we have been unable to
reach you.
Credit One Bank cannot determine which transactions or payments are fraudulent or valid
without your assitance. In order to assist you, we requested that you contact us if you
believed your account has been used fraudulently.
If you have any additional questions, please call our Fraud ************************* at
************, Monday through Friday between 7:00 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 18560400
Customer Answer
Date: 01/18/2023

Complaint: 18560400

I am rejecting this response because: I received a call and actually spoke to someone at creditone. I answered her questions, however the conversation ceased when she asked for my banking info to "see" where the money came out.. Why would anyone give banking info to a company that is attempting to "steal" from that account?
My bank caught the transaction and it did not process. I'm done with trying to get this resolved.
I have just decided to close my account and will spread the word of how scandalous they are.

Sincerely,

***********************
Business Response
Date: 01/24/2023
January 24, 2023
***********************
16210 *************
*******, ** 60428
RE: Account Number Ending in 4938
Case Number ***********
Dear ***********************,
Credit One Bank received your communication dated December 12, 2022, forwarded from
the Better Business Bureau of ***************.
We have addressed the issues presented by you in a previous communication, and have
no additional information to provide. This is our final response reagrding this matter. We
have enclosed a copy of our letter dated December 20, 2022, in which we addressed
those concerns.
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.
Your request for a refund is respectfully denied.
If you have any additional questions, please call our Fraud ************************* at
************, Monday through Friday between 7:00 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 18560400
Initial Complaint
Date:12/12/2022
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.
We have an outstanding balance with this company. But they are calling my phone and my husband's phone. At least 10 times a day every day of the week. When you answer the phone no one says anything. I spoke to someone once and I informed them that we will he paying to bill. But to please stop call so many times a day. We work, we don't have time to answer the phone all day long. Even after talking to them and telling them that they still continued to call that same day. I consider that harassment. When we have told them we will pay once we can.
Business Response
Date: 01/31/2023
Please see attached correspondence
Initial Complaint
Date:12/12/2022
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.
My CreditOne account ends with 0291.On September 10th, 2022, CreditOne closed my account. Near the end of August 2022, I was a victim of fraud, which affected the two bank accounts that I used to make payments to my CreditOne account. Near the end of August 2022, before the first payment that I initiated to CreditOne was posted, the amount that was supposed to be for CreditOne was fraudulently debited from that account, resulting in my payment to CreditOne bouncing. I then attempted a second payment to CreditOne a few days after this incident out of my other bank account, but that account was also affected by fraud, resulting in the money that was for CreditOne to be debited before CreditOne was able to access it, also resulting in my payment to CreditOne bouncing. I then attempted a payment to CreditOne near the beginning of September of 2022, with a new bank account number from a bank I had previously used to pay CreditOne with. However, I forgot to update that account information within my CreditOne online user account, as the same bank's old account number was still on the ************************* site, resulting in that payment bouncing as well. This was simply an honest mistake on my end. After CreditOne closed my account, stating it was due to the three bounced payments, I called its customer service department and explained the fraud issues had suffered with my payment accounts, so the rep told me to upload supporting documentation proving that I suffered fraud on my payment accounts. I did this, but instead of considering the matter, I was mailed a statement from CreditOne simply telling me that because CreditOne closed the account, it could not be reinstated. I believe this is unjust because before I suffered this fraud issue, CreditOne received payments from me to my account on time, without payments constantly bouncing. CreditOne closing my account without consideration of me being a victim of fraud is just another case of financial victimasation.
Business Response
Date: 01/13/2023
Office of the President
January 13, 2023
***************
1200 ***************., Apt. 323
Arlington, ** 22204
RE: Account Number Ending in 0291
Case Number ***********
Dear ***************,
Credit One Bank received your communication dated December 9, 2022, forwarded from
the Better Business Bureau of Southern ******.
As a courtesy, our office has reinstated your account. Please update our banking
information online prior to submitting any additional payments. Any future returned payments
may result in permanent account closure.
Your account was closed by Credit One Bank due to the multiple returned payments.
Date Payment Return Reason
Returned
Payment
Amount
Date Payment
Submitted
August 12, 2022 $204.95 August 16, 2022 Insufficient Funds
August 16, 2022 $194.95 August 18, 2022 Account Frozen
September 8, 2022 $34.47 September 9, 2022 Account Closed
Letters were sent to you notifying you of the returned payments and that if any future
payments were returned, your account would be subject to closure.
As of the date of this letter, your account is 55 day(s) delinquent with a balance of
$979.37. 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.
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.
This is an attempt to collect a debt. Any information obtained will be used for that purpose.
BBB Case Number 18551550
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 **********************, ************************************ 77052.
P.O. ********************************************** P ************
Initial Complaint
Date:12/09/2022
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.
Awful! I've spent the last 90 mins on a call with 7 representatives from Credit One to ultimately get hung up on after I asked for a phone number or email address for the legal department. I received a call from Credit One today stating I had a past due balance on (1) of my (2) accts. After verifying my acct, I checked my app because I realized that this is a card that I do not use - at all. I noticed there have been 0 purchases since last year AND for the last 13 months, I've been paying $70 in fees only per month. I asked why this was the case and 3 representatives later (yes, I sat and went through the whole spiel with ALL 3 Reps ~45 mins), I was finally made aware that my acct had been placed on a "security hold" since Sept 2021. It took escalations to 2 more supervisors before I learned that this security hold was allegedly self-imposed. I have no recollection of making such a request and they refused to send me documentation or a call recording to prove that I did make the request. Over the last 13 months, I've received NO acknowledgement from Credit One that my account was on a security hold but I've gotten calls regarding my balance - which I've blindly paid. Next, there was a manager who further alleged that I called in Sept 2021 to dispute a charge and somehow that resulted in the security hold but she was willing to remove the late fees for this month's bill. Again, the late fees are for THEIR fees - not due to any charges made by me. I'm now routed to my 7th Senior Manager who asks me to be direct in what I want. Ok. "I'd like to close both my accounts and receive a reimbursement for the ~$900 I've paid in FEES ONLY over the last 13 months and if that is not possible, please provide contact info for their legal department."She wastes another 20 mins of my time before finally stating that "legal **** info is not possible", "reimbursement is not possible" but the bill is paid and my account is in good standing. Not what I asked for and she hung up
Business Response
Date: 12/16/2022
***********************************
7515 ********************************************************************* 91945
RE: Account Number Ending in 8591
Case Number ***********
Dear ***********************************,
Credit One Bank received your communication dated December 9, 2022, forwarded from
the Better Business Bureau of ***************.

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.
As disclosed in the Card Agreement, the Annual Fee on your account is $39.00 and will
be billed to your account annually; therefore, it cannot be changed.
On September 18, 2021, you replied YES to a communication we sent regarding a
possible fraudulent transaction. In response, your account was temporarily suspended,
as we regularly monitor accounts to help prevent fraud.
Your account was closed on December 16, 2022. We will report the account to the
consumer reporting agencies as "Account Closed at Consumer's Request" with a zero
balance.
For a current listing of our phone numbers and mailing addresses, please visit
CreditOneBank.com and go to the ****************** page
Your request for a refund is respectfully denied.

Your concerns have been forwarded to the appr
opriate 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 18550215

***********************************
7515 *********************.
***********, ** 91945
RE: Account Number Ending in 5909
Case Number ***********

Dear ***********************************,
Credit One Bank received your communication dated December 9, 2022, forwarded from
the Better Business Bureau of ***************.

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.

The first billing statement that closed on November 13, 2017, included the pre-disclosed
Annual Fee of $75.00. The statement that closed on November 13, 2018, reflected the
second-year Annual Fee of $99.00, which is billed at $8.25 per month. Each statement
since that date has reflected $8.25 billed for the Annual Fee.

Per your request, we closed your account on December 16, 2022. We have adjusted
fee(s) to bring the balance to zero. This account will report to the consumer reporting
agencies as "Account Closed at Consumer's Request." If you have any recurring charges
using this account such as memberships or other ongoing services, please contact the
merchant(s) to arrange an alternate method of payment.

For a current listing of our phone numbers and mailing addresses, please visit
CreditOneBank.com and go to the ****************** page

Your request for a refund is respectfully denied.

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 185502
Initial Complaint
Date:12/09/2022
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 have a credit card with Credit One Bank. It was used in a scam.They told me they would reverse all charges since I didnt authorize them. They havent yet and they are still calling me to pay the minimum payment. I shouldnt have to pay anything since I didnt authorize the charges. Everytime I talk to someone they dont know whats going on and I dont really understand them. Please help!
Customer Answer
Date: 12/22/2022

Complaint: 18547256

I am rejecting this response because: My account is $919 over credit limit and Im supposed to pay $102 a month when I shouldnt have to if you gave me back the $400. Please help clean up this account mess and Ill accept your response.

Sincerely,

*****************
Business Response
Date: 01/21/2023
January 21, 2023
J**** May
4380 Jordan ********************** style="font-size: 0.875rem;">***********, NY13152
RE: Account Number Ending in 1175
Case Number 20230104039
Dear *****************,
Credit One Bank received your communication dated December 22, 2022, forwarded from the Better Business Bureau of Southern ******.
We have addressed the issues presented by you in a previous communication and have no additional information to provide. Please see the enclosed letter dated December 15,2022, that was sent in response.
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.
If you have any additional questions, please call our Fraud ************************* at ************, Monday through Friday between 7:00 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 18547256

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 **********************, ************************************ 77052.P.O. **********************************************************************************
Initial Complaint
Date:12/09/2022
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.
This bank has closed a credit account without alerting me prior to the closure. The bank also claims fraud, however, there has been no proof that any fraudulent activity has been committed on the card. I get told different things every time I contact ***************** and have not found a resolution or clear answer for the reasons of my calls. They continue to circumvent addressing the actual problem, and first claimed that my account was sent to a collections agency, and then stated that the investigation was still open and that they were unsure if a resolution has been found. This is very concerning, especially in the regards to finances during hardships in the global economy. A bank should have clarity with its customers when explaining to them whats going on with their finances. I have since destroyed the card and requested that the account be formally closed. I have still not had any formal contact with any sort of fraud department at Credit One Bank as promised.
Business Response
Date: 12/16/2022
Office of the President
December 16, 2022
*************************
PO Box 631
*******, ** 22963
RE: Account Number Ending in ****
Case Number ***********
Dear *************************,
Credit One Bank received your communication dated December 8, 2022, forwarded from
the Better Business Bureau of ***************.
We addressed the concerns presented by you in a previous communication, and we will
not respond to any additional communication regarding these concerns.We have enclosed
a copy of our letter dated December 1, 2022, in which we addressed those concerns.
We have verified that the account ending in **** is not being reported to the consumer
reporting agencies.
If you have any additional questions, please call our Fraud ************************* at
************, Monday through Friday between 7:00 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 18545950

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