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Business Profile

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Credit One Bank

Headquarters

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BBB Accredited BusinessA+Rated by BBB

Complaints

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

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    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/15/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      Violations of Laws and Standards:Fair Credit Reporting Act (FCRA):15 U.S.C. 1681s-2: Inaccurate credit reporting and failure to investigate disputes.Metro 2 Compliance: Non-adherence to standards for accurate data submission.Fair Debt Collection Practices Act (FDCPA):15 U.S.C. 1692d: Harassment through repeated calls intended to annoy or abuse.*****-*****-****** Act (GLBA):15 U.S.C. 6802: Mishandling of personal information without proper consent.Texas Finance Code Chapter 392:Sec. *******: Threats or coercion.Sec. *******: Harassment and abuse.Telephone Consumer Protection Act (TCPA):47 U.S.C. 227: Unlawful use of auto-dialing systems or prerecorded messages without express consent.I have filed complaints with the ***** ***, FCC, and *******************************. Your intervention is crucial in resolving these issues.

      Customer Answer

      Date: 04/15/2025

      I have attached the privacy form

      Business Response

      Date: 04/23/2025

       Please see attached.

    • Initial Complaint

      Date:04/15/2025

      Type:Billing Issues
      Status:
      Resolved
      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 has been reporting derogatory remarks on my credit report. The company has sold my debt to another collection company but they keep reporting to my credit report. That's illegal and it's a direct violation of my consumer law right. I would like Credit One to be removed from my credit report. The **** (1681s2) prohibits reporting inaccurate or misleading information. Courts have ruled that double reporting may violate the law. I ask the BBB to investigate this matter.

      Business Response

      Date: 04/25/2025

      Please see the response attached.

      Customer Answer

      Date: 04/28/2025

       
      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:04/10/2025

      Type:Billing Issues
      Status:
      Resolved
      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 has called me over 15 times today alone for a $24 balance that is past due by less than a month

      Business Response

      Date: 04/21/2025

      Please see the attached response letter.

      Customer Answer

      Date: 04/21/2025

       
      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:04/10/2025

      Type:Billing Issues
      Status:
      Resolved
      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 March 26th I paid $125 credit card bill to Credit One. I only owe $30 and they blocked me and said they wanted to verify my identity. Ihave sent them in multiple verifications of identity including a state ID my Social Security card, my phone bill my rental lease agreement and they continue to not let me have to the funds that are mine I do not know what else to do. I have tried calling and talking to everybody. I cant get no help.

      Business Response

      Date: 04/16/2025

      See Attachment 

      Customer Answer

      Date: 04/16/2025

       
      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.  Thank you for your assistance and I was able to get the help I needed and you helped me a lot. 

      Sincerely,

      ********* *****

    • Initial Complaint

      Date:04/10/2025

      Type:Billing Issues
      Status:
      Answered
      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 December 2024,Credit one bank made the decision to close my credit account I have with them and also report the account to all three ********************** bureaus. Since Dec. 2024 through present, the company reported missed payments on the account to the ********************** bureaus. This was effecting my credit score as well from December through present. Also, credit one bank charged late fees on the account as well. I agreed in December 2024 with the company via telephone I would like to take a settlement offer/amount and will pay that amount off. The due date was 2/28/25. From December2024-February 28, 2025 I have made payments. I made my last/final l payment on 2/28/25.

      Customer Answer

      Date: 04/10/2025

      I have other information I would like to add to my file/case. For example other payments,statements, and audio recordings 

      Customer Answer

      Date: 04/10/2025

      The photos I just submitted was the credit activity on my credit report from credit one 

      Business Response

      Date: 04/21/2025

      Please see attached.

      Customer Answer

      Date: 04/22/2025

       
      Complaint: 23185750

      I am rejecting this response because: credit one, refuse to acknowledge and take accountability for their wrong doings. The company completely disregarded my concerns and did not agree to correct their wrongs. Also I was NEVER told by the company in writing or verbally before, during, and or after I agreed to the settlement offer that I will be charged late fees or any fees on a closed account. The company did not address the false claims and reports made to my credit report account  December 2024- February 2025. Credit one did not acknowledge re-opening my account twice and still reporting inaccurate information. In addition to sending me a FALSE agreement letter that I NEVER agreed to. 

      Sincerely,

      ****** *******

      Customer Answer

      Date: 04/22/2025

      Heres proof of my credit report. Its showing the reports  made by credit one bank  to the credit bureaus in regards to my account with them. In addition to proof, that credit one bank is still actively charging my closed credit card account with them.

      Business Response

      Date: 04/29/2025

      See attached correspondence

      Customer Answer

      Date: 05/05/2025

       
      Complaint: 23185750

      I am rejecting this response because: credit one bank STILL refuses to acknowledge and take accountability for their wrongful actions, in addition to now making FALSE statements. I would now Credit One Bank to send copies of each  documents that I agreed to that was in- referenced to their statements that was made. Also, I sent attachments of proof to the false reports that credit one bank sent to ALL three credit agencies.
      Sincerely,

      ****** *******

      Customer Answer

      Date: 05/05/2025

      Here above are bank statements dated December 2024 through February.2025 of payments that were made by me to credit one bank that were NOT reported to ALL 3 credit agencies 

      Business Response

      Date: 05/09/2025

      See attached correspondence

    • Initial Complaint

      Date:04/09/2025

      Type:Billing Issues
      Status:
      Resolved
      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.
      CreditOne bank, a bank with who I never had a commercial or any other type of relationship continues to report to credit agencies about me being an "authorized user" of a ********************** card which is above its credit limit and this is negatively affecting my credit score and causing issues with my finances.( unauthorized transactions)I have received letters from other banks (BOA)downsizing my credit limits because of this issue with CreditOne Bank.The above named bank refunded my claim.

      Business Response

      Date: 04/21/2025

      PLS SEE ATTACHED

      Customer Answer

      Date: 04/27/2025

       
      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:04/09/2025

      Type:Sales and Advertising Issues
      Status:
      Answered
      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 keeps sending me unwanted Credit Card offers by postal mail... *********** Credit One Bank is ignoring my do not contact request...

      Customer Answer

      Date: 04/09/2025

      I don't have a printer and cannot sign anything... maybe the BBB should allow for electronic signatures in the future...

      Business Response

      Date: 04/15/2025

      Please see attached

      Customer Answer

      Date: 04/15/2025

       
      Complaint: 23177949

      I am rejecting this response because:

      I don't have an account of any kind with your company; however, your company continues to send unwanted requests to sell me a credit card... By law if I don't want contact from your company you have to stop contacting me regardless of whether or not I have an account with you... All your company is doing is trying to sell me a credit card... Since I never had nor wanted to have your credit card I find your tactics to be predatory... You need to stop all contact with me.

      Sincerely,

      ****** *****

      Business Response

      Date: 04/22/2025

      Please see attached

    • Initial Complaint

      Date:04/08/2025

      Type:Billing Issues
      Status:
      Answered
      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 previously sent a complaint about Credit One prior to this complaint. This bank is charging me fees for things like cash advance fees and also purchase fees. I have not made any purchases on both cards in months. I have been trying to pay the balances off and have not used either cards in a while. I am constantly charged fees for transactions that have not been made. This bank is definitely an example of how credit card companies try to keep you bonded by fees. The real kicker is if I stop paying anything and tell them to add this to my credit score without a care in the world. I'm almost to that point. This bank needs to be investigated on several things that they are putting on consumers.

      ***Previous complaint:

      I barely use my Credit One Bank Credit cards. I have been trying to pay my balance down. Each month I make payments to both accounts. I never see the credits adding to my total balance. I have also noticed that my balance never goes down unless I make a large payment amount. I am also being charged a annual fee every moth. I was under the impression annual meant once a year. This month after my payment was made I noticed a return fee of $29.00. I checked my bank account that reflected the payment went though and posted to my checking account. I am being charged fees that are not correct, and again I do not see any of my payments applying to my balance. I can not understand why I have more payments then usage but no credit?

      ***Desired resolution:

      Billing adjustment; Explanation of charges

       

       

      Business Response

      Date: 04/29/2025

      The response correspondences are attached.

      Customer Answer

      Date: 04/29/2025

       
      Complaint: 23176266

      I am rejecting this response because:

      Sincerely,

      ******** ********

      Customer Answer

      Date: 04/29/2025

      I used the wrong account number 1 time to make a payment. I understood a charge incurred with this. I have not used these cards in months but I have been making payments. Where are the payments going? You have my full permission to look at my account. Please look at the last dates I made charges and compare those to the payments. They do not add up.

      Customer Answer

      Date: 04/29/2025

      Date Sent: 4/29/2025 3:59:48 PM

      Complaint: 23176266

      I am rejecting this response because:
      I used the wrong account number 1 time to make a payment. I understood a charge incurred with this. I have not used these cards in months but I have been making payments. Where are the payments going? You have my full permission to look at my account. Please look at the last dates I made charges and compare those to the payments. They do not add up.

      Sincerely,

      ******** ********

      Business Response

      Date: 05/05/2025

      The response correspondences are attached.

    • Initial Complaint

      Date:04/08/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      Signed up for and got approved for a credit card through Credit One Bank in January. February I paid their $75 annual fee. April I attempted to use the card and it's declined. Called Credit One and got told the account is closed even though I was able to login the night before and see I had an available line of credit. They take your money for an annual fee then never let you use the card and close the account. This company has scammed me out of $75 and told me if I wanted a card with them I'd have to reapply and pay the fee again.

      Business Response

      Date: 04/22/2025

      See attached correspondence

    • Initial Complaint

      Date:04/08/2025

      Type:Billing Issues
      Status:
      Answered
      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 personal and financial information was compromised without my authorization. The *** protects the confidentiality of consumers. Which was not upheld. My debts should be cancelled in full.

      Business Response

      Date: 04/15/2025

      PLEASE SEE ATTACHED.

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