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.
742 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:06/23/2025
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 One credit card was hacked, and used for **** Eats for a total of $604.00. I called Credit One about the charges, they canceled my existing card and sent me a new card.They agreed the charges were not made by me, and credited my new card the freuded funds. My last statement shows they added the freud charges back onto my card account, without any explanation.I'd like the freuded charges removed again.
Business Response
Date: 07/01/2025
See Attachment
Customer Answer
Date: 07/02/2025

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:06/17/2025
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 signed up for a credit one bank credit card. I received the card in the mail and it was an erroneous card. There were not enough numbers on the card. I couldn't use it. I tried reaching out to customer service with no luck. Even though I have been unable to use the card, the company is requiring that I pay the yearly fee which has now tanked my credit score! I cannot even pay the fee because there's not enough digits on the card!
Business Response
Date: 06/24/2025
The response letter is attached.
Customer Answer
Date: 06/25/2025

Complaint: 23478978

I am rejecting this response because:
Credit One Bank stated that they closed the account, issued a $0 balance, and requested removal of the tradeline from my credit reports. However, Im asking that the case remain open until the following is fully resolved:
1. Confirmation from Credit One that all three credit bureaus (Equifax, **********, Experian) removed the account, or proof that the request was submitted to all three.
2. A written resolution letter from Credit One confirming that the account was closed at my request, the balance was $0, no negative history remains, and the tradeline was removed due to dispute or errornot consumer fault.
3. A brief acknowledgment from Credit One that the drop in my credit score was not due to any missed payments or misuse on my part, and that I was not at fault in the matter.

Until these issues are fully addressed and documented, I do not consider the matter resolved. I appreciate BBBs continued help in ensuring Credit One follows through completely.

Sincerely,
******* ******
Business Response
Date: 07/02/2025
The response correspondence is attached.
Initial Complaint
Date:06/17/2025
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 charge on my credit card that was not authorized by me . I called the company and they said I charged 30 dollars to door dash at Popeyes's chicken in **********. I live in ****** . I said this is not my charge and they said they would investigate. A week later I received notice that they had done the investigation and they said yes it was me and I owe the money . I called DoorDash myself and asked about any orders or charges that had been made on my account . They said no use and no charges and that I had not used the account since 2021 which I was in agreement with . I sent the information to credit one and they said I still must pay the amount since their investigation showed I did authorize the charge . I then canceled my card . A few weeks later I received a bill for more charges . I called credit one and said my card is canceled . They said I still had to pay . At that time, I owed 600 and some dollars . I said absolutely not . Since then they continue to send me bills and have reported an unpaid balance of over 800 dollars to the credit bureau. They also auto debited my banking account that I had used in the past for payment to them without my authorization for over 600 dollars ******** did an investigation and refunded my money back to my account. I have since changed my account so this can not happen again. Please help me end this . This is major fraud .
Business Response
Date: 06/25/2025
Please see attached.
Initial Complaint
Date:06/16/2025
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.
Was recommended the card through credit karma submitted my information and was instantly approved. Once I received the card and attempted to use it I found out there was a blocked placed on my account to confirm my identity. I submitted my information waited the 7-10 business days and finally was able to use my card. I assumed that would be the last of my issues. Once I made a payment to my card I was notified I had available credit and attempted to use my card. It was declined due to fraudulent activity and I should use it with a different merchant. I followed the advice while on the phone and it was still declined. They proceeded to transfer me to an account manager who went through and told me the same exact thing just use it with a different vendor. So I did as they advised and it was yet again declined. Ive gone through everything and now three days later my card still will not work and nobody can assist me with fixing my card.
Customer Answer
Date: 06/16/2025
TO: Credit One Bank, N.A.
RE: Release of Information Request
BBB CASE #: 23475610.

To Whom It May Concern:

I hereby authorize Credit One Bank to provide a copy of any correspondence relating to the processing and resolution of my dispute/complaint to the Better Business Bureau of Nevada.

This release shall only cover that information deemed relevant to the specific issue/s submitted by me within my dispute/complaint and does not provide the Better Business Bureau with access to any additional or external account information.

____savannah Light 06/16/2025_____________________________________________________
Customer Signature 1 * Date

_________________________________________________________
Customer Name (printed)

______2681 ******************************************************************************************************
Address

_________________________________________________________
City, State and Zip

* The person reflected within this form must be listed within the Credit One Bank credit card
account as either a primary or joint account holder. No person other that the names reflected
Business Response
Date: 06/24/2025
PLEASE SEE ATTACHED
Customer Answer
Date: 06/25/2025
Received email from company stating I owed ****** dollars when I called to confirm I was told they would look into it and follow up have not heard back in regards to this
Customer Answer
Date: 06/25/2025

Complaint: 23475610

I am rejecting this response because:
Received email from company stating I owed ****** dollars when I called to confirm I was told they would look into it and follow up have not heard back in regards to this

Sincerely,

Savannah Light
***See attached document /screenshot***
Business Response
Date: 06/30/2025
PLEASE SEE ATTACHED
Customer Answer
Date: 07/01/2025

Complaint: 23475610

I am rejecting this response because: instead of addressing my concerns they closed my account

Sincerely,

Savannah Light
Business Response
Date: 07/08/2025
PLEASE SEE ATTACHED
Initial Complaint
Date:06/16/2025
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.
On 7 May 2025 I received what appears to be a credit card statement addressed to my ex-girlfriend, **** A. ******** from Credit One Bank. She is no longer living at my address and hasnt lived here for nearly 15 months. I have repeatedly called the bank to stop her statements from coming to my home and I was assured I wouldnt receive another, but another was received on 13 June 2025. I have also sent a letter to the bank notifying them of this potential fraud and nothing has been done to resolve this issue. When I called again, on 16 June 2025, to resolve this issue after receiving another letter, the bank's agents told me to write Return to sender. Not at this address) on the statement, which I have done in the past. They also advised me to contact the **************************** to stop all letters addressed to her, and **** cant do that. I no longer have Mrs. ********* contact information and it is not my responsibility to contact her. This is a Credit One Banks issue to resolve.Continuing to send letters to her at my home and allowing this potential fraud to continue is unacceptable and will not be tolerated, especially after I have contacted Credit One Bank repeatedly regarding this issue and potential fraud.
Business Response
Date: 06/20/2025
The response correspondence is attached.
Customer Answer
Date: 06/23/2025

Complaint: 23474394

I am rejecting this response because: this response does not address the issue. On 16 June 2025, I sent a letter to Credit One Bank through **** and it was accepted, and signed for, on 20 June 2025 (reference screenshot). That letter was addressed to the bank's legal department and contained the last billing statement I received for **** ********. I suggest the Bank work internally to locate this correspondence to acquire the account number on the statement.
Adding **** ******** and my address to an internal "no mailing list" doesn't resolve the problem because my address is being used fraudulently by Mrs. ******** and the bank has been informed of this fraud. Mrs. ******** is knowingly engaging in credit card fraud, misuse of an address and potentially mail fraud; The bank is an accomplice in these crimes unless they rectify the situation. Additionally, I have called the bank 4 times and have not been given a resolution. The last time I spoke to someone, they were in the corporate/main office in ***************** and she informed me I'd have to contact Mrs. ******** to have her remove my address from her account. This is unacceptable and it is not my responsibility to do the bank's job of mitigating fraud.
The following need to take place no later than 30 June 2025 at 5:00 PM MT or I will contact law enforcement and report the bank for knowingly engaging in fraud, misuse of an address and potentially mail fraud:
1. The account using my address is closed immediately.
2. The bank contacts law enforcement to report the fraud and willingly participates in the investigation.
3. The bank implements programmatic measures that block my information from being used on any application or account.

Your chief legal officer may contact me directly to discuss this issue.

Sincerely,

**** Rathofer
Business Response
Date: 06/27/2025
The response correspondence is attached.
Customer Answer
Date: 06/30/2025

Complaint: 23474394

I am rejecting this response because: "We have forwarded your concerns to a department for review but we can't share anything with you" is unacceptable and does not resolve this issue in any way. If an account was fraudulently opened with my information, I need to be informed so I can take certain measures to protect myself. Credit One Bank needs to inform me if my address was used to open an account or not. If it was used to open an account without my permission, the account needs to be closed to protect me and the fraud needs to be reported to law enforcement to conduct a criminal investigation. I need to be listed as a victim of the fraud if my address was used to open an account. I'm not looking for personal information of the card holder nor do I want that; I just need a certain amount of information to protect myself from this fraud.
This bank claims it has no records of any mail being sent to me despite me returning two envelopes to them, including one they signed for. This shows the complete failure of the required document retention. If this was an advertisement, which I highly doubt it is, there would be records of an outbound letter being sent to my address under a marketing campaign. If it is a credit card statement, which it appears to be, they would be able to find an associated account by searching for the account holder's name (**** A. ********) and my address (********************************************************, which sometimes appears as **************). If the bank has zero records in any electronic system, then how am I getting mail at my home from Credit One Bank? It makes absolutely zero sense and I'm getting tired of repeating myself on the phone and through the BBB.
If this is not resolved quickly with adequate answers and solutions, I will be forced to petition the Utah courts for relief on this matter.

Sincerely,

**** Rathofer
Business Response
Date: 07/08/2025
See Attachment
Initial Complaint
Date:06/16/2025
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 asked credit one bank to close my credit card account because they still won't let me use the credit card after providing proof of my identity. They are charging me an annual fee for the card and a late payment. Ive asked them several times to reverse it since they will not allow me to use the credit card. Ive had zero access to the 300 credit. Refuse to do anything about it or withdrawal the charges. Explained to them that im still technically not approved to use the credit card bc they won't accept my change of address because my drivers license hadn't been updated yet with my new move in the last 60 days. I provided all the proof they needed and still won't let me use the credit card.
Business Response
Date: 06/27/2025
Please see attached
Customer Answer
Date: 06/30/2025

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:06/16/2025
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.
The company calls me no less than 7-10 times per day.
Business Response
Date: 06/24/2025
Please see attached.
Initial Complaint
Date:06/16/2025
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 or before March 10, 2025, I closed my CC account with ********************** One via phone call. During this call, disclosures were not read to me. On March 10, after the cancelation was confirmed, I paid the final balance on the account of $16.50, and reduced my balance to $0. After the cancelation, a purchase came through from an online store that I had forgotten was linked to this CC. Since my account was closed, the purchase should have been rejected by Credit One. Because it was not rejected, the purchase posted to my account after cancellation. This created a balance which resulted in an interest fee (that would have been avoided if I had known the charge was going to post as I would have paid it before interest would have been assessed). Having a balance also meant that, despite my account being closed, a new "annual fee" posted to my account. Once I discovered the balance, I made a payment for the purchase amount as well as the interest amount. I did not pay the annual fee as it was Credit One's fault that the fee was generated. I also submitted a ticket to them in the portal that I would not be paying the fee. If they made any attempts to contact me about this, I do not have any voicemails from them, so I do not believe they made any actual good-faith attempt to contact **** have since discovered my account has still been generating interest, late fees, and annual fees. And since I have not been paying (due to not believing I owed anything), this is now being reflected on my credit report. My last phone call with them on June 6, 2025 was met with disagreement. They claim their terms and conditions allow for the annual fee if I have a balance, but I only had a balance because they approved a purchase AFTER my account was ********* stance is that since it was their error that I had a balance, I should not be responsible for any fees associated with it, and that I owe nothing. The most they were willing to do was waive 50% of my fees, but that is still unacceptable.
Business Response
Date: 06/23/2025
Please see attached.
Customer Answer
Date: 06/29/2025

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:06/16/2025
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.
Good morning, I have three closed credit card accounts with ********************** One. Ive explained to them that my income has been lowered, my rent went up, student loans went up and Im not able to pay my accounts at this time. Im not denying my debt and *** informed them that Im working on a solution to my financial situation without declaring bankruptcy. I receive multiple calls from them from different numbers, different area codes to my personal phone and my place of employment at all times of the day including Saturday and Sunday. Ive asked them multiple times to please stop calling me and to only contact me via US Mail. The last representative stated they dont do *******. I dont know how else to get them to stop calling, their phone calls are extreme. Im filing this complaint to see if BBB can assist with this. My understanding is theyre supposed stop calling once we ask them which Ive done multiple times. I hope you can assist. Thank you
Business Response
Date: 06/25/2025
Please see attached.
Customer Answer
Date: 06/26/2025

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:06/12/2025
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 May ******* I contacted Credit One Bank to resolve my account because I was facing extreme hardships in the past which caused my account to incur many fees. I spoke with a representative who gave me a reinstatement offer. He specifically said if I paid $194 by June ******* my account will be reinstated and I will be shown as on time on my credit report. He then encouraged me that there was a possibility after I was reinstated, for all my late fees to be waived. So of course I am excited because I am trying to fix my credit. I asked can you send me an email stating this because I KNEW if I didnt have this in writing, that later when I called after the payments were made there would be a switch up.. and of course I was right! I called today June ******* and different things were told to me. I said this is EXACTLY why I wanted this in writing!!!! I knew I just knew this would happen. I didnt even get reinstated?? Then literally I get transferred 7 different times to different account managers / supervisors. How are you guys saying different stuff. I dont like that because I was trying to get back on track and now I am not! I am very very displeased with this company and after reading so many reviews, I am not the only one who feels this way about them. I am praying for this to be resolved!
Business Response
Date: 06/20/2025
Please see attached.
Customer Answer
Date: 06/23/2025

Complaint: 23458957

I am rejecting this response because: I was in fact told that my account would be reinstated if I paid the $194. Like many others who are VERY displeased with this company, so am I. This is why I wanted an email confirming the offer so that way I would have proof. Also I would like to mention that it is quite immoral to continue to have an account incur fees when it is closed. Capital One doesn’t even do that! Once again I am requesting for my fees to be removed as a result of being told either misinformation or a blatant lie regarding the reinstate of my account. I have never felt the need to report any company and this one is a first. Please note that I will not give up on this matter and will continue to seek for a resolution! May we come to some sort of a mutual agreement please as I did intend on keeping this account.

Sincerely,

Bethshena Florestal
Business Response
Date: 06/27/2025
Please see attached.
Customer Answer
Date: 07/02/2025
Hi,
I thank you for helping me with this issue. However, my goal of this complaint was to become an active account holder again. Unfortunately being told misinformation didnt allow this to happen.
Right now, my account is still closed. Are you able to reach out to Credit One about reinstating my account perhaps with a line increase as well? I want to be in a much better standing and unfortunately they wont listen unless BBB intervenes it seems.
Thank you!
Business Response
Date: 07/14/2025
Please see attached.

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Credit One Bank is BBB Accredited.