Complaints

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

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  Credit One Bank

  6801 S Cimarron Rd Las Vegas, NV 89113-2273

  
• 

  Credit One Bank

  PO Box 977122 Miami, FL 33197-7122

• 

  Credit One

  73 960 Highway 111, Suite 1 Palm Desert, CA 92260

• 

  Credit One Bank

  PO Box 98873 Las Vegas, NV 89193-8873

  
• 

  Credit One USA

  28651 Southfield Rd Lathrup Village, MI 48076-2701

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:04/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On March 10, 2025, I discovered that an unauthorized payment in the amount of $572 was taken from my checking account from ************************* Bank. I quickly contacted **************** at ************** for assistance.After speaking with **************** at **************, I goggled the number to CreditOne Bank to see if I could obtain assistance from them ***************). CreditOne Bank confirmed that I did have a credit card with them years ago, but the account was now closed. CreditOne Bank also reminded me that the credit card was sent to collections (Midland Credit Management) for non-payment. However, the debt was paid off November 2021 (attached). CreditOne informed me that they had no idea why $572 was taken from my account.I am extremely disappointed and appalled about this illegal transaction and the fact that CreditOne Bank said that they knew nothing about the transaction when it clearly shows that CreditOne Bank took the funds from my account.I have attached a copy of my bank statement reflecting the $572 taken from my account. In addition, I have attached a copy of the information from the Midland Credit Management stating that the credit card was paid off in November 2021.I am requesting that my funds be returned to me. Because of this error, I was forced to close my bank account because I did not want another transaction by CreditOne Bank to occur. The funds that were taken from my checking account was money that I needed to finish paying my bills and I was frantic!

  Business Response

  Date: 04/22/2025

  Please see attached

  Customer Answer

  Date: 04/22/2025

   
  Complaint: 23171494
  
  I am rejecting this response because:

  What is a Interative Voice Response (IVR) System? If it was initiated by CreditOne Bank, it was an error caused by your Company. The payment was not authorized by me.
  

  The payment of $572 was returned to me from ************** because a claim form was completed by me. The $572 taken from my account from ************************* Bank was replaced by the bank due to the shortage of funds in my account. The remaining obligations had to be paid.
  

  I attached Midland Credit **************** stating that the balance of $3,242.98 had been paid in full even though the account was charged off in 2020. This situation has nothing to do with the fact that funds were taken and not returned to my account from ************************* Bank.
  Your unethical and criminal thinking and behavior is disappointing; therefore,  I am requesting that $572 be returned to me by CreditOne Bank.

  Sincerely,
  
  ******* ****

  Business Response

  Date: 04/29/2025

  Please see attached

  Customer Answer

  Date: 04/30/2025

   
  Complaint: 23171494
  
  I am rejecting this response because:

  I am in receipt of your correspondence dated April 29, 2025. I am extremely disappointed that this company refuses to be accountable for your fraudulent and unethical act.
  As I stated before, the $572 returned payment did not come from CreditOne Bank; the company that illegally took the funds out of my account in the first place. I have attached proper documentation that justifies my reason for action. I still have not received an explanation of how this unauthorized transaction occurred.
  This is my last response to you regarding this matter. Since you have indicated that you will not rectify the wrong, I do intend to pursue legal action regarding this fraudulent transaction.
  Sincerely,
  ******* ****
  

   

  
  
  Sincerely,
  
  ******* ****

  Business Response

  Date: 05/08/2025

  Please see attached

• Initial Complaint

  Date:04/07/2025

  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 only had the credit one credit card 3months and my card was blocked for no apparent reason so they requested verification of my identity I sent documents and have been waiting almost 30 days I paid 300$ on the card and I am watching money slowly disappear saying it takes 7to 10 business days to get verified this is not right

  Business Response

  Date: 04/21/2025

   Please see attached.
  
  

• Initial Complaint

  Date:04/07/2025

  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 got a credit card through a mail in offer from credit one offering a $200 bonus for spending a certain amount of money on the credit card. After getting the card I used it for my grocerie shopping and quickly built up cash back rewards and meeting the requirements to get the bonus $200 dollars in cash back as well. I now have had $270.38 on cash back in my credit one account for about 2 or 3 months. I have auto redemption enabled on there website, which says that "the rewards will be credited to your account by the 7th of every month". I have made the monthly payment every month for the past 4 billing cycles that I've had the card for, but still have yet to get any of the cash rewards I was promised.

  Business Response

  Date: 04/18/2025

  Please see attached

• Initial Complaint

  Date:04/07/2025

  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 was approved for a credit card. I received the card in the mail but upon trying to activate it was told it was restricted because i needed to verify my identity. How was i approved if my identity was not verified? I submitted all required documents but i am still unable to use the card. This is a very sneaky way of doing business.

  Business Response

  Date: 04/10/2025

  Please see the attached response letter.

• Initial Complaint

  Date:04/07/2025

  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.

  ******* L ******* Credit one bank ***************************** Subject: Formal Dispute of Inaccurate Late Payment Reporting Account #*************** Dear creditone bank I am writing to formally dispute the inaccurate late payment information reported by Credit One Bank NA on my credit report, associated with account number ***************. This dispute is pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681.Upon careful review of my payment history and current credit standing, Ive identified discrepancies that require correction:- October 2023: 30 days late - November 2023: 60 days late - December 2023: 30 days late - January 2024: 60 days late According to 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies must investigate these claims diligently. I maintain a credit utilization rate of 0% with a zero-dollar balance as of March 17, 2025, indicating responsible credit use and timely payment activities.The discrepancies mentioned go against the truthful reflection of my credit behavior, potentially violating the ***** mandate for fair and accurate reporting. I kindly request that these late payment records be thoroughly audited, and upon validation of my claim, adjusted to reflect a positive status. This correction will align with the requirements set forth in 15 U.S.C. 1681e(b), which obligates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported.I expect a fair resolution in compliance with the timeline set out under 15 U.S.C. 1681i(a)(1)(A), where the agency must complete the investigation within 30 days of receipt of this dispute.Failure to adhere to these legal obligations may lead to further actions to enforce my rights under federal law.Thank you for your prompt attention to this matter.

  Business Response

  Date: 04/11/2025

   Please see attached.
  
  

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23167975
  
  I am rejecting this response because:
  There are a number of inaccuracies on my credit report that I would like to have resolved 

  I am writing to formally dispute certain items in my credit report as provided under the Fair Credit Reporting Act (****), 15 U.S.C. 1681. Specifically, I am disputing inaccuracies in the payment history reported for my account with ********************** NA (Account Number: ****************.
  
  
  Upon reviewing my credit report, I have identified inaccuracies that must be addressed:
  
  
  1. ************ and Equifax:** The payment status for March 2025 is not recorded where it should reflect a valid on-time payment.
  
  2. **Experian:** The payment status inaccurately reflects "ND" for March 2025, while my records show on-time payment.
  
  
  3. **Late Payments Discrepancy:** The account inaccurately lists late payments for months that are either incorrect or unsupported based on my payment records.
  
  
  
  Attached are copies of my bank statement and payment confirmations that verify my March 2025 payment was made on time and in full. This documentation is provided to support my assertion and aid in accurate reporting.

  I kindly request that you:
  
  
  - Investigate the items I have mentioned in accordance with your obligations under 15 U.S.C. 1681i of the ****.
  - Correct or remove any incorrect information from my credit report.
  - Provide me with a current copy of my credit report reflecting these corrections within 30 days.
  
  
  Failure to comply with the **** can result in penalties. Therefore, I expect these inaccuracies to be corrected swiftly to prevent further harm to my creditworthiness and financial health.

  Upon careful review of my payment history and current credit standing, Ive identified discrepancies that require correction:
  
  
  - October 2023: 30 days late
  - November 2023: 60 days late
  - December 2023: 30 days late
  - January 2024: 60 days late
  
  
  According to 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies must investigate these claims diligently. I maintain a credit utilization rate of 0% with a zero-dollar balance as of March 17, 2025, indicating responsible credit use and timely payment activities.
  
  
  The discrepancies mentioned go against the truthful reflection of my credit behavior, potentially violating the ***** mandate for fair and accurate reporting. I kindly request that these late payment records be thoroughly audited, and upon validation of my claim, adjusted to reflect a positive status. This correction will align with the requirements set forth in 15 U.S.C. 1681e(b), which obligates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported.
  
  
  please update my payment history to PAANL statue (Paid As Agreed Never late according to consumer protection laws
  I expect a fair resolution in compliance with the timeline set out under 15 U.S.C. 1681i(a)(1)(A), where the agency must complete the investigation within 30 days of receipt of this dispute. Failure to adhere to these legal obligations may lead to further actions to enforce my rights under federal law.

  Sincerely,
  ******* *******

  Business Response

  Date: 04/23/2025

   Please see attached.
  
  

• Initial Complaint

  Date:04/07/2025

  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 received a late payment (30 days) on my credit report. I made multiple attempts to make the payment online however the online payment system would not properly load the chat screen as part of the express payment option. I tried multiple devices with no success. I would please like this removed from my report as there seemed to be an issue with the website which has now been resolved and the payment has been made. Thank you!

  Business Response

  Date: 04/14/2025

  PLS SEE ATTACHED

• Initial Complaint

  Date:04/07/2025

  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 opened a credit one card in September. Since January they have been returning my payments even though they they have been paid on time. They arent applying them after the due date and then adding late charges. They have dropped my credit score by 30 points. I was told by an employee today (Rondmei-employee number *********) that several customers are have the same problem. He told me new information-only if you use a debit card will it come directly out of a bank account. Nothing else works. These people are ripping customers off! I want all my late charges returned and my credit to be repaired. I did file a dispute but they wouldnt change anything

  Business Response

  Date: 04/15/2025

  Please see attached

  Customer Answer

  Date: 04/17/2025

  What credit one has failed to provide is that they kept returning payments and then adding additional charges.  They would say oh everything is ok, give an amount to send then return it saying it wasnt enough.  The gentleman that I listed in the report with his employee number stated that there were no late payments but they added late payment charges as you can see.  Credit one has dropped my credit 112 points but state I have no late payments.  This company is a scam.  If you look at my credit report, all of my payments have been on time for 3-4 years.  I have worked hard.  Why would I jeopardize my credit with one credit card?  Im still requesting my credit report to be repaired and all fees to be refunded!

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23162533
  
  I am rejecting this response because:

  What credit one has failed to provide is that they kept returning payments and then adding additional charges.  They would say oh everything is ok, give an amount to send then return it saying it wasnt enough.  The gentleman that I listed in the report with his employee number stated that there were no late payments but they added late payment charges as you can see.  Credit one has dropped my credit 112 points but state I have no late payments.  This company is a scam.  If you look at my credit report, all of my payments have been on time for 3-4 years.  I have worked hard.  Why would I jeopardize my credit with one credit card?  Im still requesting my credit report to be repaired and all fees to be refunded!
  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 04/24/2025

  Please see attached

• Initial Complaint

  Date:04/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I made a payment on my bill between the 1st and the 3d of every month. I paid February's bill. March bil I paid the same way. Now I'm being told that not only did I get a late charge in which case I was not. They told me they took my payment from March and added to February because I paid on the first, but it would not post until the 3d. So I payed twice for February. I owe $30.00 a month on my bill. I did not see the money posted to my account. I look back into my account and now my monthly bill is $60.00. Literally overnight. They said they waived the late charge. Today I can't even open my account online. It's now a blank screen. They are intentionally destroying my credit I'm trying to build. I would like my payment of March to be for March. I would like my monthly payment back to $30.00. which is what I agreed upon. They change the rules in each sentence they speak.

  Customer Answer

  Date: 04/11/2025

  I would also like the waiver for late fees to be deleted. On my credit it looks like I paid late and I have not. So A waiver for late fees is not accurate. 

  Business Response

  Date: 04/16/2025

  Please see attached.

• Initial Complaint

  Date:04/07/2025

  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 had this card for a while & I make monthly payments- normally in full. For the first 6 months, the express payment was around 4 dollars & then they increased it to almost 8 dollars. My credit limit has always been 300 & they have never given me an increase despite my on-time credit payment history. The past 2 months I paid more attention to this account because it doesn't make sense why they will never give me an ************ started paying them less but watching the account bc it goes over the ********* don't understand how when I literally may purchase one thing for a few dollars & put the card down. Today, I check because I was going to make a *********** see that they have been charging me extra items with no notification & then reporting that I have gone over my credit limit. This is ridiculous & also when I call to get this rectified they tell me all charges are correct. In February I made a $57.95 payment because there was a small over of like 10 to 15 dollars (which again I didn't understand where it came from) on my account. This would of meant I had roughly $25. I made only 1 purchase of $16.09 & did not touch the card again so my balance would of been in the clear. Later I learn they reported to credit that I again went over my bill! As it shows, after I made a payment to bring this account into the positive, they charged me 3 more ********* received no notification. Not even when they read the prompts on the recorded ******** agree do they mention this. I tried to dispute this but they are acting like they wont budge. Just bc the *** is going to h*** right now does not give these companies the right to overcharge and mess with peoples lives & credit. I need these negative remarks removed & I want to close this card all together. I want the negative credit remarks gone bc they are fraudulent & do bad business! 2 months in a row they did this to ****** just happen to check today & see additional charges that were never communicated or explained!

  Business Response

  Date: 04/14/2025

  Please see attached.

  Customer Answer

  Date: 04/14/2025

  This is what I am speaking of with this company. They do not admit that they charged me additional funds after I made a payment based on what they said the balance was and the payment amount I could pay. I have provided evidence showing exactly what I spoke of. Regardless if it is a fee that should be coming out of my allowable balance, it should not go over the balance especially after I have made a payment. Then further more, you close my account without rectifying the pricing and just telling me I owe you this amount of money. BBB, is there another agency maybe directly related to credit that I can report this company to, because since I have had them, they have been the worst experience? They continuously mess with my credit while all my other accounts are flourishing. Look at how long it took to get a response and look at what they did, they just told me I owe the amount they want me to pay but still never admitted or acknowledged that it was after I made a payment and had credit left, that they went over the credit I had left, thus throwing me in a situation where my overage would be reported and reflect poorly on my credit. That is not fair, this is dirty business and I need to have something done about it. They cannot deal with consumers/ customers like this!

   

  Also they need to remove any negative **** from my credit. This company is fraudulent and this treatment of how they do business is unacceptable especially when I paid them!

  Customer Answer

  Date: 04/14/2025

   
  Complaint: 23161381
  
  I am rejecting this response because:

  Date Sent: 4/14/2025 4:03:51 PM
  

  This is what I am speaking of with this company. They do not admit that they charged me additional funds after I made a payment based on what they said the balance was and the payment amount I could pay. I have provided evidence showing exactly what I spoke of. Regardless if it is a fee that should be coming out of my allowable balance, it should not go over the balance especially after I have made a payment. Then further more, you close my account without rectifying the pricing and just telling me I owe you this amount of money. BBB, is there another agency maybe directly related to credit that I can report this company to, because since I have had them, they have been the worst experience? They continuously mess with my credit while all my other accounts are flourishing. Look at how long it took to get a response and look at what they did, they just told me I owe the amount they want me to pay but still never admitted or acknowledged that it was after I made a payment and had credit left, that they went over the credit I had left, thus throwing me in a situation where my overage would be reported and reflect poorly on my credit. That is not fair, this is dirty business and I need to have something done about it. They cannot deal with consumers/ customers like this!

   

  Also they need to remove any negative **** from my credit. This company is fraudulent and this treatment of how they do business is unacceptable especially when I paid them!

  
  
  Sincerely,
  
  ***** *******

  Business Response

  Date: 04/17/2025

  Please see attached.

  Customer Answer

  Date: 04/17/2025

  Thank you. Also I want to mention that they have not come with resolution and since our last conversation when they closed out my account, they charged me an additional $50  dollars. They are totally unfair and unprofessional and I will be utilizing the additional information provide because people cannot treat hard working citizens like this. These companies now a days act like they are a dictatorship and I hope that all this information and experience is shared so that other consumers can be aware and not run into the same problem I have because this is terrible. 

• Initial Complaint

  Date:04/07/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On January 21st I received a debt consolidation loan from Upgrade. When I gave them the payoff information for my Credit One card, I mistakenly gave them the wrong amount. This caused an overpayment on my Credit One card of $1669.45. I contacted Credit One on February 20th, about the overpayment. I was told that a refund would be processed, but it could take up to 30 days. They had also placed a hold on my account, because of suspected fraud. They told me to send in a bank statement showing the overpayment, but I don't have that since the payment came from Upgrade. I did send them a screenshot of the loan amount that showed where they were paid $3060.42 and my bank statement that shows where I received a disbursement from the same loan. I waited 30 days and did not hear anything from them, so I sent another email on March 27th that said if they didn't contact me immediately I was going to go to a lawyer. On April 3rd, I checked my account online and they had made "an *** to my account" of $1669.45, so now it shows I have a zero balance. I called today to make sure that it meant my refund had been processed. The first person I talked to said that it had been processed, but they couldn't tell me when I would receive it. I asked to talk to a supervisor. He said he didn't know if it had been processed, but it should be soon. I asked to talk to someone higher up. She told me that it was under review, but that refunds could take up to 30 days. I tried to explain that it had been over 30 days, but she then wanted to blame it on the fact that there was a hold on my account. She said my only recourse now was to write a letter requesting that the issue be escalated. I am fine if they say they have to refund the money to Upgrade, I just want my money back.

  Business Response

  Date: 04/14/2025

  See Attachment 

  Customer Answer

  Date: 04/14/2025

   
  Complaint: 23161263
  
  I am rejecting this response because: I spoke to Upgrade and they have not received anything from Credit One.  I would like Credit One to provide me with the address that they sent the check to and a copy of the check.  They lied about receiving communication from me on March 27th(please see attached email) and about processing a refund before I talked to them in April, so why would I believe them about this?  I'm sorry, but they have had this money for almost 3 months.  I first contacted them 2 months ago and was told it would take up to a month to process the refund.  I'm fine with it going back to Upgrade, they were very helpful when I talked to them, but I have gotten nothing but the runaround with Credit One.  

  
  
  Sincerely,
  
  ***** *****

  Business Response

  Date: 04/18/2025

  See Attachment