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

2,239 total complaints in the last 3 years.
735 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:07/07/2025
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 April 8th, 2025, my vehicle was stolen & taken from my residence. In my vehicle was my wallet with my Credit One credit card, along with other debit cards from other banks. The person who stole my card, used my Credit one bank credit card at a *******, twice & a third time at a meat market store, totaling the three transactions to, $162.76. I filed a dispute with Credit one bank, & they denied my dispute. I've reopened my claim 5 different times, explaining the same scenario each time. I've also submitted a police report & it is still being denied for the same reasons, which are, "The merchants records confirm that the credit card was used for the transaction & the purchase was made in my surrounding geographic area"Although those are true facts, but only because the person who stole my car & used my credit card at those locations. It was not I that made those transactions. I have stressed that to every single representative that I have spoken to from their customer ***************** can be resolved aside from just reopening the claim & the claim to be returned unresolved. Credit one Bank advertises, Zero Liability Fraud, & I feel it's not being honored. Those charges are not my *********** should not be held responsible for charges that were not made by me. It's been more than two months of not being able to use my credit card because i don't feel comfortable doing so & also the balance has not been paid off which is truly hurting my credit score.
Business Response
Date: 07/14/2025
Please see the attached response letter.
Customer Answer
Date: 07/15/2025

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:07/01/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am the manager of a small business. We do not have an account with **********************. We have never had an account with **********************. We are a small business, no one currently employed here has or ever had an account with them. We have had our same telephone number for 30 years. Recently, we receive constant calls from Credit One Bank. When I try to answer the call, it always disconnects as soon as I answer. When I try to block the numbers they call from, they find a way to call from a different number. When I call back and request that they stop calling (I have called them about 6 times) someone either lies and says we will be taken off the list (the calls never stop) or they cannot help me because they cannot find an account. Most recently I spoke with a manager who said he could not help me until I provided my social security number ( I have never had an account, and they are calling a business I work for, so this is moot) and when I asked him if we would then need to take a legal avenue to make the harassment stop he said "go ahead". The calls continue, no way to stop them, no way to fully block them. I cannot get an answer of what they want, and have no idea how to resolve it, as I don't have an account. This unrelenting harassment continues all day, every day.
Business Response
Date: 07/09/2025
The response correspondence is attached.
Customer Answer
Date: 07/10/2025

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:06/30/2025
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 am filing this complaint regarding Credit One Bank's egregiously faulty payment system and their refusal to correct resulting damage to my credit. On multiple occasions, I attempted to pay my credit card bill using both the website and the mobile app. The site consistently froze, took excessive time to load, and the app was nearly unusable. Despite my good faith efforts to pay on time, the technical failures of their system led to five reported late paymentsnone of which were due to my negligence.Instead of offering a resolution, Credit One subjected me to harassing collection practices, calling up to 20 times a day. To make matters worse, they demanded a fee to process payments by phone, essentially charging consumers to correct issues caused by their own malfunctioning systems.Under the Fair Credit Reporting Act (FCRA), furnishers of information have a responsibility to report data accurately and to investigate disputes. I previously contacted Credit One to dispute the late payments and asked for some form of goodwill adjustment or resolution. They flatly refused, showing no willingness to acknowledge or correct their own technical faults, even when I demonstrated a consistent pattern of attempted payments.I am requesting that Credit One remove the five late payment remarks from my credit report, as they are a direct result of the banks unreliable payment infrastructurenot financial irresponsibility on my part. Their inaction has harmed my credit standing, and I believe this constitutes both poor customer service and a failure to uphold fair reporting standards.
Business Response
Date: 07/07/2025
Please see attached.
Customer Answer
Date: 07/07/2025

Complaint: 23537949

I appreciate Credit Ones response, but I find it dismissive, misleading, and lacking accountability.
Their letter ignores the core issue: I made repeated good-faith attempts to pay my account using their mobile app and website, but was unable to do so due to constant crashes, freezing, and system errors. This resulted in multiple missed paymentsnot due to financial irresponsibility, but due to a failure of their own infrastructure. They admit in their agreement that payments must be made through their systems, yet when those systems failed, I was given no alternative except to ******* was told I would be charged a fee to pay by phone. Thats not only unethical, its exploitative.
They also mention that payments were received latebut fail to explain why a payment made on August 4, 2024 was credited to a statement dated September 2, 2024, or why late fees still applied after timely payments were sent. This is inconsistent with fair billing practices under federal law, and not once did they offer to investigate those application delays.
As for the constant phone calls, I was contacted up to 20 times per day, even after requesting they stop. This excessive contactespecially through autodialers or prerecorded messagesmay constitute a violation of the ***** Their failure to acknowledge or address this harassment is alarming.
Lastly, Credit One completely refused to correct the five derogatory late-payment remarks stemming from all of this, even after I offered to pay in full. Their unwillingness to work with customers who are trying to resolve issues rooted in their own system failures reflects a company more interested in profits than fairness.
If Credit One refuses to take accountability and fix these derogatory remarks, my next step will be to escalate this matter with the Consumer Financial ***************** (CFPB), and if necessary, explore legal action.

Sincerely,

Aahd Tahar
Business Response
Date: 07/11/2025
Please see attached.
Initial Complaint
Date:06/30/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was behind on my payments they said that f I paid ****** by 4/2/25 they would waiver the remaining balance. I paid ****** around 3/15/25 a month later called and asked to removed remaining balance they said I didnt pay in timely manner that I owed ****** I said that is t what I was told so for lest than 1.00 they wont remove remaining balance and they closed my account but are still charging me a yearly fee.
Business Response
Date: 07/15/2025
Please see attached.
Customer Answer
Date: 07/15/2025

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:06/27/2025
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.
My credit card was hacked. They sent a text to call. I called. We went over the dispute over the phone after the computer stopped payment because it looked like fraud and it was. They stopped all payments so no money ever left the card. On June 10th they cancelled the card. Reissued a new card and said no money was taken out. On June 25 they add ****** to another card I have which under the law states this No, it is not legal for a credit card company to close your card due to fraud, issue a new card, and then transfer the fraudulent charges to the new card. This practice would violate consumer protection laws and is generally considered fraudulent activity by the credit card company. &Here's why:Consumer Protection Laws:Federal laws like the Fair Credit Billing Act (FCBA) protect consumers from unauthorized charges and billing errors. These laws prevent credit card companies from unfairly holding consumers liable for fraudulent charges.I have talked with the fraud department several times and they do not want to abide by the federal law. As soon as the cancelled the card on June 10th all fraud charges they said didnt go through. Then again I paid off the other card I had with them June 24th. June 25th they added the fraud amount to the 2nd card I have, and at no time was that card number involved So per the federal law they committed fraud by taking from a cancelled card and putting it on another card with a different number
Business Response
Date: 07/07/2025
Please see attached.
Customer Answer
Date: 07/07/2025

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.
Al long as they do not try to put this on another card like last time. I have also attached pictures of the two cards I have. Where they added it to another card but have since taken that off. If this remains the same it is satisfactory to me
Sincerely,

***** ****
Initial Complaint
Date:06/27/2025
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.
applied for a credit card account with ********************** ending in 7097, intending to use it. However, the credit line was never made availableI was unable to activate or access the card. I never signed any agreement, and I received no benefit from the account. Despite this, Credit One applied fees and reported the account to ********************** bureaus. When I contacted them, they requested personal identification information I do not have, which further proves they cannot verify my identity or tie the account to me. If they cannot confirm who I am, how can they legally charge me or report this account in my name? Under Massachusetts law (Chapter 140D), a credit line must be both approved and accessible before any charges can be imposed. I submitted a formal dispute on June 14, 2025, and they acknowledged it, promising a response within ten business days. As of June 26, I have received no resolution. I am requesting that all charges and credit reporting be removed, the account be closed, and written confirmation be provided.
Business Response
Date: 07/10/2025
See attached correspondence
Customer Answer
Date: 07/17/2025
Better Business Bureau:

I have reviewed the response made by the business regarding complaint ID ******** and am satisfied with the resolution provided. At no time did I confirm signing any agreement, and the business acknowledged they do not have a copy of one. Nevertheless, they took the appropriate steps by fully closing the account and confirming its removal from my credit report. This brings complete closure to the matter. I appreciate the decision to resolve this properly and thank them for ultimately choosing to do what was right.
Sincerely,
***** ****** Jr
Initial Complaint
Date:06/27/2025
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 June 21st I made a payment of $60 to Credit One Bank. The payment processed on June 24, however, I noticed that 2 payments were collected instead of one. I checked my Credit One app and it only showed one payment made recently and another being paid weeks ago which cleared my account June 5/6th. I called Credit One and explained that a duplicate payment had been collected. They told me that only one was processed and I would have to call the bank. I called my bank and they confirmed that in fact two payments were collected instead of one. I filed a dispute for ONE payment and was awarded a refund. Credit One then emailed me stating the payment was returned and I am being charged a fee. This makes no sense! They were not able to see why two payments were collected and had no record of two payments being collected. But now that I dispute it as they instructed me to, my account is being punished
Business Response
Date: 07/03/2025
See Attachment
Customer Answer
Date: 07/07/2025

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:06/25/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am receiving repeated harassing phone calls from Credit One Bank regarding a debt. They are calling me multiple times per day and have used at least seven different phone numbers over the last three days. These calls are occurring even though I have not spoken to a representative on the phone.Based on Regulation F of the Fair Debt Collection Practices Act (FDCPA), a debt collector is not allowed to call more than seven times in a seven-day period regarding the same debt, and must wait seven days after any telephone conversation before calling again. Credit One has clearly violated this rule.I have documented the calls and taken screenshots showing they are from Credit One Bank. Despite this excessive contact, they continue calling from different numbers daily, including ones marked as spam or unknown, which suggests an attempt to circumvent call blocking and caller ID.I am requesting that action be taken to investigate Credit One Bank for FDCPA violations and to stop this harassing behavior. I am also preparing to send a cease and desist notice in writing.
Business Response
Date: 07/02/2025
Please see attached.
Customer Answer
Date: 07/07/2025

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:06/24/2025
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.
Dear **** After years of using my Credit One credit card in all moderation, making regular payments, the company accepted my last payment that I made from a bank different than the usual one. Credit One accepted the payment and then requested from me a bank statement to show that I was the one named on the account. I did as requested. Then they demanded that I go to the bank and have other documents signed off by a bank representative. The nearest branch to me is 3h drive. Now, I owe nothing on my credit card and I explained the problem posed by their request but although I spoke to their customer service twice I received no response to my previous emails to customer service. On my last call to them I asked to speak to a manager and was denied that. Since I owe nothing on the card I requested to close the account which the customer representative agreed to do. I have not received any acknowledgement of closure from Credit One. Furthermore, they had threatened to close the account arbitrarily should they not receive the documents from me. They have created a situation of harassment for a technicality that I cannot fulfill (I am a physician and I cannot drive 6h for a document as I wish) for money that has been already paid to the account. I have taken every step to abide by their request while I am not a delinquent customer. Their absence of response, their despicable customer manners as well as this harassment for no reason forced me to close the account. I find it very suspicious that a company operates like this and quite troubling that they portray themselves for what they are not, a friendly financial institution. The fact that I could not talk to a manager and have not received any response to my 3 emails lead me to think that this company is for the least shady. I hope you can register my complaint and act upon it. Thank you for your assistance in the matter. Sincerely, ****** ******
Business Response
Date: 06/30/2025
The response correspondence is attached.
Customer Answer
Date: 07/03/2025

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.
It is a disgrace though that Credit One never responded to my correspondence or allowed me to discuss the matter with a manager. They treated me like a delinquent when I never had any problem with my account. I suspect this is their modus operandi and they do get away with it.
At this point I do not wish to take the matter any further unless I notice some bad outcome from their reporting.
Thank you to the BBB for your action and support.

Sincerely,

****** ******
Initial Complaint
Date:06/23/2025
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.
Credit one is charging for late payment , before the payment is due, they have been doing it for awhile, and use time zone difference for late charge of $39 , when my pament is $40 a month, I have never missed a payment in my lifetime, always on time , but they try using their little bird brains, they scamming , fullstop, if they dont return all my late fees, no payments will be made, if they want me to continue making payments, they have to send my unauthorize late payments back, or I dont know how they will get a dime from me, if they are will to loose all their money its on them, I really dont care for my credit, thats a waste of time, I just want to pay as agreed, not what they want to just throw up on their wedsite, it dont woke that way ******
Business Response
Date: 06/30/2025
PLEASE SEE ATTACHED.

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