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

2,242 total complaints in the last 3 years.
738 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:11/15/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.

Complaint: 18406021

I am rejecting this response because:
I did not make this purchase. I did not sign or cash this check.

Sincerely,

*********************************
Business Response
Date: 11/22/2022
Office of the President
November 16, 2022
*********************************
1414 **********************************.
*************, ** 30044
RE: Account Number Ending in 6208
Case Number ***********
Dear *********************************,
Credit One Bank received your communication dated November 15, 2022, forwarded from
the Better Business Bureau of Southern ******.
Upon review, we discovered that we already processed this request in response to a
previous communication.
We have enclosed a copy of our letter dated November 11, 2022, in which we addressed
your concerns.
The item listed on your statement as a cash advance was the convenience check we sent
to you on October 14, 2022, that you cashed or deposited on November 2, 2022.
The pre-approved credit limit increase offer you received was applied on November 2,
2022, and your credit limit was increased to $1,100.00. As of the date of this letter, the
balance on your account is $651.77.
We have reviewed your account and determined the following fee(s) assessed are valid
and cannot be adjusted:
Cash Advance Fee

As disclosed, as long as there is a balance, you agree to pay at least the Minimum Payment
Due on or before your due date every month or your account may be assessed a Late
Fee.
In order to assist you further, if you did not deposit the convenience check, send us a copy
of the police report that has been filed with your local law enforcement, naming everyone
who had access to ************************************************************************************************. Please send the
documents to the address listed below within 45 days of the date of this correspondence.
If we do not receive the documents within the specified timeframe, the investigation may
be closed and you may be held accountable for the cash advance transaction.
To upload the document(s) online, sign in to your Credit One Bank account and visit the
'****************' page, then click on 'Forms & File Uploads' and select 'Supporting
documentation for Submitted Claim.' You may also send the document(s) to the address
listed below. Please note your account number on any supporting documentation.
Credit One Bank, N.A.
Attn: ****************
P.O. Box *****
*********, ** 89193-8873
Your request for a refund is respectfully denied.
If you have any additional questions, please call **************** at ************,
Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between
6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 18406021
NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on
the basis of race, color, religion, national origin, ***, marital status, age (provided the applicant has the capacity to enter
into a binding contract); because all or part of the applicant's income derives from any public assistance program; or
because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal
agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency,
Customer Assistance **********************, ************************************ 77052.
P.O. ********************************************** P ************
PR018/A173573745
Business Response
Date: 11/30/2022
Office of the President
November 30, 2022
*********************************
1414 **********************************.
*************, ** 30044
RE: Account Number Ending in 6208
Case Number ***********
Dear *********************************,
Credit One Bank received your communication dated November 28, 2022, forwarded from
the Better Business Bureau of Southern ******.
Upon review, we discovered that we already processed this request in response to a
previous communication.
In order to assist you further, we are requesting a copy of the police report filed with your
local law enforcement. Please send the documents to the address listed below within 45
days of the date of this correspondence. If we do not receive the documents within the
specified timeframe, the investigation may be closed and you may be held accountable
for the account transactions.
To upload the document(s) online, sign in to your Credit One Bank account and visit the
'Customer Service' page, then click on 'Forms & File Uploads' and select 'Supporting
documentation for Submitted Claim.' You may also send the document(s) to the address
listed below. Please note your account number on any supporting documentation.
Credit One Bank, N.A.
Attn: Customer Service
P.O. Box *****
*********, ** 89193-8873

If you have any additional questions, please call our Fraud ************************* at
************, Monday through Friday between 7:00 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 18406021
NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on
the basis of race, color, religion, national origin, ***, marital status, age (provided the applicant has the capacity to enter
into a binding contract); because all or part of the applicant's income derives from any public assistance program; or
because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal
agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency,
Customer Assistance **********************, ************************************ 77052.
P.O. ********************************************** P ************
PR018/A174755106
Initial Complaint
Date:11/15/2022
Type:Sales and Advertising 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.

Complaint: 18404201

I am rejecting this response because:If I dont have sufficient funds then they shouldnt send me an offer for something that I cant technically accept or use.

Sincerely,

***********************
Business Response
Date: 11/18/2022
Office of the President
November 18, 2022
***********************
107 ****************.
*****, ** 73099
RE: Account Number Ending in 5827
Case Number ***********
Dear ***********************,
Credit One Bank received your communication dated November 14, 2022, forwarded from
the Better Business Bureau of Southern ******.
The original offer indicated the convenience check could be declined when presented for
payment. Your check was declined for the following reason: NSF - Non-Sufficient Funds.
As of the date of this letter, your current balance is $1,596.33 and the available credit is
$3.00.
Reimbursement requests for fees assessed by another financial institution should be
directed to that financial institution.
Your request for a refund is respectfully denied.
If you have any additional questions, please call **************** at ************,
Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between
6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 18404201
NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on
the basis of race, color, religion, national origin, ***, marital status, age (provided the applicant has the capacity to enter
into a binding contract); because all or part of the applicant's income derives from any public assistance program; or
because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal
agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency,
Customer Assistance **********************, ************************************ 77052.
P.O. ********************************************** P ************
PR018/A173744527
Business Response
Date: 11/22/2022
Office of the President
November 22, 2022
***********************
107 ****************
*****, ** 73099
RE: Account Number Ending in 5827
Case Number ***********
Dear ***********************,
Credit One Bank received your communication dated November 21, 2022, forwarded from
the Better Business Bureau of Southern ******.
We have addressed the issues presented by you in a previous communication and have
no additional information to provide.
The original offer indicated the convenience check could be declined when presented for
payment. Your check was declined for the following reason: NSF - Non-Sufficient Funds.
If you have any additional questions, please call **************** at ************,
Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between
6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 18404201
NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on
the basis of race, color, religion, national origin, ***, marital status, age (provided the applicant has the capacity to enter
into a binding contract); because all or part of the applicant's income derives from any public assistance program; or
because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal
agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency,
Customer Assistance **********************, ************************************ 77052.
P.O. ********************************************** P ************
PR018/A174065579
Initial Complaint
Date:11/14/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My card was stolen I walked out of a store and somebody hit me and took the card right out of my hand. I called credit one who reversed the fees of over 500 dollars on a 300 dollar limit card. they then reveresed the fees and when i called the back they said they would look into it when I called back in ten days like they asked me to they acted like they didn't get the call back and said I needed a police report but it had been like 60 days already. I would reallly like for them to reverse the fees as it had been 45 to 60 days since the whole incident had happpened and i didn't intiallly file a police report. my acount numbefr is ****************
Business Response
Date: 01/27/2023
Office of the President
January 27, 2023
***************************
7231 *******************., Apt. 3
*******, ** 94621
RE: Account Number Ending in ****
Case Number ***********
Dear ***************************,
Credit One Bank received your communication dated January 14, 2023, forwarded from
the Better Business Bureau of ***************.
On August 16, 2022, a Lost/Stolen report was processed on your account ending in 4240.
This account was noted with possible fraudulent activity and a new account ending in 0368
was established. Provisional credits are issued pending the outcome of the investigation.
On October 3, 2022, a Lost/Stolen report was processed on your account ending in 0368
and a new account ending in **** was established. Based on information you provided,
no fraudulent activity was noted on the account.
Upon receipt of your communication, we reopened and completed the investigation for
your account ending in 4240.You were held not responsible for the fraudulent transaction(s)
totaling $494.49. In addition, related fees and interest charges have been credited. These
adjustments will appear on an upcoming billing statement.
Your concerns have been forwarded to the appropriate department for review. We greatly
appreciate you sharing your experience.
We apologize for any inconvenience this may have caused.
If you have any additional questions, please call **************** at ************,
Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between
6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 18403424
Initial Complaint
Date:11/14/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Paid payment on Nov 12 and they didn't post it til sun Nov 13th they charged late fee so 298 plus 30$ late fee minus payment should not put me past 300 and should have not charged me late fee
Business Response
Date: 11/18/2022
November 18, 2022
*************************
107 ***********
***********, ** 25405
RE: Account Number Ending in 6394
Case Number ***********
Dear *************************,
Credit One Bank received your communication dated November 14, 2022, forwarded from
the Better Business Bureau of ***************.
As disclosed, once you activate your Credit One Bank card, you are responsible for all
charges and fees associated with the use of your card. As long as there is a balance, you
agree to pay at least the Minimum Payment Due on or before your due date every month
or your account may be assessed a Late Fee.
Payments submitted before 5:00 p.m. (Pacific Time) will post effective the same day, but
may not appear on your account for up to two business days. Available Credit will reflect
the first $100 of your payment immediately. The balance of your payment will increase
your available credit within 7 days. Credit One Bank reserves the right to place verification
holds on all payments. For more information regarding payments, please visit the 'Pay
Bill' section of CreditOneBank.com/FAQs.
Listed below is a breakdown of payments received and Late Fees billed to your account
from July 7, 2022, through November 16, 2022.
Please see attached for the table of fees.
As of the date of this letter, the balance on your account is $303.85.
As a courtesy, we have issued credit(s) for one Late Fee(s) in the amount of $30.00.

If you have any additional questions, please call **************** at ************,
Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between
6:30 a.m. and 5:00 p.m. (Pacific Time).

Sincerely,
Credit One Bank, N.A.
BBB Case Number 18402485
Initial Complaint
Date:11/14/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Was locked out of online account and unable to submit payment. Attempted to reach a representative via customer service and was disconnected. Was able to speak with representative after additional attempts and paid remaining balance in full. I am requesting that the 2 late payments are removed from my credit report.
Business Response
Date: 11/29/2022
See letters sent to consumer attached above.
Initial Complaint
Date:11/14/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Credit One I have a credit card with them unfortunately I fell behind on my payments due to change in employment switched jobs. I am upset that Credit One calls my phone at least 1-2 times per hour this is harassment I made a small payment and I still get numerous calls too many to count. I am not sure if this is legal to call someone so many times. If it were a relationship you could request for restraining order for harassment.
Business Response
Date: 11/30/2022
November 30, 2022
*********************
6141 Piedmont Rd Circle
Unit 301
*******, ** 27616
RE: Account Number Ending in 3474
Case Number ***********
Dear *********************
Credit One Bank received your communication dated November 13, 2022, forwarded from
the Better Business Bureau of ***************.
Per your request, no further phone calls will be made with regard to the collection of your
account.
As a courtesy, we processed the following fee adjustment(s) on your account on November
30, 2022, which will appear on an upcoming billing statement:
Late Fee $39.00
Total $39.00
Your billing statement, which closed on August 13, 2022, reflected a minimum payment
of $46.00 due by September 9, 2022. Your billing statements with closure dates of
September 13, 2022, through November 13, 2022, did not reflect the minimum payment
was received by the due date; therefore, your account was considered delinquent and our
representatives attempted to contact you regarding your payment.
If you have any additional questions, please call **************** at ************,
Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between
6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
This is an attempt to collect a debt. Any information obtained will be used for that purpose.
BBB Case Number 18398272
Initial Complaint
Date:11/14/2022
Type:Order 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 originally applied for a CreditOne card back on October 18, 2021 because I had an upcoming trip in November that I was leaving for and needed a credit card. I received an email about 2 weeks later saying it has shipped and I assumed it was going take too long so I went ahead and got another one. I get an email in December telling me my time has run out for me to use the card and that my credit line had expired. I was fine with that because after ordering the card it didn't come and I no longer needed it because I found another. Anyways come about April and March I started getting emails about a statement balance which I was confused about because I never received the card so I assumed it was a mistake. Towards the end of May I got a notification about it and how its now impacting my credit about a week later I filed a dispute through credit karma. They denied it, so I disputed it again in July and they did the same thing. Come September I now start getting collection calls and notification saying the account was closed. I should not have this balance, I never received the card and I definitely ain't use it. I have attached every documentation showing I've been disputing this and nothing has been done about it.
Business Response
Date: 11/21/2022
November 20, 2022
***********************
604 ********** Apt 41
************, ** 21108
RE: Account Number Ending in 2773
Case Number ***********
Dear ***********************,
Credit One Bank received your communication dated November 12, 2022, forwarded from
the Better Business Bureau of ***************.
Upon review, we discovered that we already processed this request, in response to a
previous communication. Please see the enclosed letter dated July 9, 2022, that was sent
in response.
Due to non-payment for more than 180 days, the account charged off on September 8,
2022, with a balance of $706.13.The ownership of the account was transferred to the party
referenced below. Since Credit One Bank no longer has a financial interest in this account,
please contact the party listed below.
*****************
P.O. Box 10497
**********, ** 29603
************
All debt collection communications from Credit One Bank regarding this credit card account
ceased when the account was sold to the above-referenced third-party agency. Any current
collection efforts on this account are not on behalf of Credit One Bank.
We requested the removal of the Credit One Bank tradeline from your credit history on
November 18, 2022. Please allow the consumer reporting agencies 60 days to update
their records. Any reporting of this account by any other party will need to be addressed
by you directly with the other party. If you need to provide evidence of the requested
change prior to the consumer reporting agencies ability to update their records, please
provide a copy of this letter.
We have provided the above-referenced information to the following consumer reporting
agencies:
Equifax: ************ or ************
Experian: ************
TransUnion: ************
In order to assist you further, we are requesting a copy of the police report filed with your
local law enforcement. Please send the documents to the address listed below within 45
days of the date of this correspondence. If we do not receive the documents within the
specified timeframe, the investigation may be closed and you may be held accountable
for the account transactions.
If you have any additional questions, please call **************** at ************,
Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between
6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 18396244
Initial Complaint
Date:11/14/2022
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.

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,

***********************
Business Response
Date: 11/28/2022
Office of the President
November 28, 2022
***********************
2595 **********.
*******, ** 94541
RE: Account Number Ending in **** Case Number ***********
Dear ***********************,
Credit One Bank received your communication dated November 11, 2022, forwarded from the Better Business Bureau of Southern ******.

As disclosed, once you activate your Credit One Bank card, you are responsible for all charges and fees associated with the use of your card. As long as there is a balance, you agree to pay at least the Minimum Payment Due on or before your due date every month or your account may be assessed a Late Fee.

As disclosed, your current Annual Fee is $99.00 and billed to your account in installments of $8.25 per month.
Late fees were assessed on statements with closure dates of October 4, 2022, through November 4, 2022, because the Minimum Payments Due were not received by the due dates.
As a courtesy, we have requested the removal of the delinquency previously reported for November 2022 from your credit history.Please allow the consumer reporting agencies 60 days to update their records.If you need to provide evidence of the requested change prior to the consumer reporting agencies ability to update their records, please provide a copy of this letter.
We have made the request to the following consumer reporting agencies:
Experian: ************
TransUnion: ************
Equifax: ************ or ************
As a courtesy, we have issued credit(s) for two Late Fee(s) in the amount of $34.55.
PR010/A174540571
P.O.Box *****, ****************************************; P ************
As of the date of this letter, your account is current with a credit balance of ($34.55).
On May 8, 2019, you enrolled your account into Paperless Documents so your billing statements would no longer be sent through the mail. The enrollment included an email address of ***************************** notifications were sent to advise you when your billing statements with closure dates of May 25, 2019, through November 4, 2022, were available to be viewed. Your billing statements are available through your online account at CreditOneBank.com in the Documents & Statements section.
Enclosed is a copy of the Card Agreement you have requested.
Credit One Bank adheres to the Fair Credit Reporting Act when furnishing information to the consumer reporting agencies.Upon review of the account, we determined that the account is being reported accurately.
Credit One Bank does not prepare your credit score and has no responsibility for its accuracy or for the accuracy of any of the information upon which your credit score is based (except for items we may have reported). Your credit score is provided to us by Experian.You may contact any of the consumer reporting agencies at: Experian, ***************************** 75013,888- 397-3742; Equifax, *****************************************, ************; or TransUnion, ***********************************************, ************. If you believe your credit report is incomplete or contains inaccurate information, we recommend you contact Experian directly at ************ or visit Experian.com/disputes to correct the information.
We received your communication and are unsure whether you requested an account closure. If you would like to close your account, please send your request in writing or call the phone number listed below.
If you have any additional questions, please call **************** at ************, Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between 6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
BBB Case Number 18394344
PR010/A174540571
P.O. ***************************************************; P ************
Initial Complaint
Date:11/14/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.

Complaint: 18393211

I am rejecting this response because:
You all state that this account is not transitionary yet I make payments and purchases everyday with this account. Yes I set this account up yes I submitted payment from this account
Before I could use this account there are small amounts deposited into this account by Credit One to verify that the validity to the account. *hose charges are shown bellow
On September 28, 2022 Credit One Sent $0.91 to this account to verify that same account that is in question that the account was valid and money obviously flows through that account
On September 28, 2022 Credit One also sent $0.61 *o this same account for verification.
Credit One verified the bank that the payments were sent to when I had to resign in and verify the amounts that were sent so that Credit One had verification of this account as was set up and was a functioning account
At this time 2 payments have been made from that account to which I have filed fraud on. Each one has stated the payment was processed there was no indication that payment had not gone through nor was there any communication on that other that the monies were deducted from the account.
During my 2hr escapade with your company and being sent back and forth to 10 different managers and told that they refunded me my money then they never received the money then there was a credit issued back to me then the account was credited as my checking account was not transactional and then finally back to we refunded you the money. I stated if it was not transactional how would you all have sent the 2 small deposits to the same account and me verify that to which there is no answer to. *wice I was told I was going to be sent to a GM and ended back at the customer service line only to work my way up for 2 hours and getting no resolution. You state that you Credited the money back to my account but its not there which is why we sent this to fraud. During this 2hr ordeal I was able to sit and sift through the various complaints both on this platform as well as consumer affairs and have come across the exact same thing on more than 10 other people who listed the issues and it is to the * on how this is being handled from my initial call to now.

Your Payment Has Been Processed

****,

Your payment of $298.12 has been processed.

Your reference number for this payment is 29SEP2022-0000772985.

Your Payment Has Been Processed

****,

Your payment of $299.64 has been processed.

Your reference number for this payment is 31OC*2022-0000562416.

*hese are your reference numbers that were sent to me in my payment confirmation nothing in this indicated that payment was an issue on your end. Nor did it stop payment from coming out on my end

*hese are your indications that payment was received that is what I received from you. I would in payments to and when a payment is ran I get that its processed or declined to which either way the customer is alerted by my company, Yet I get my payment has been processed money out of my account and here we are.

Sincerely,

***********************
ceived payment yet the money is out of my account and there is no telling where it went and has never been reposted. Advised the next step is to file with the **** H36**37393238**38**H with the bank on the charges as fraud and to put information into legal hands to further escalate the issue. As this account closure after payments has been made. Mind you this is an account that has a 600 max ******* and ****** has been made in the past 2 months.H**32363436**38363037H one even verified the bank account that was used in regard to this account that the payment was sent.
Business Response
Date: 11/18/2022
Office of the President
November 18, 2022
***********************
1610 **************
*********, ** 75407
RE: Account Number Ending in 1940
Case Number ***********
Dear ***********************,
Credit One Bank received your communication dated November 11, 2022, forwarded from
the Better Business Bureau of Southern ******.
Your billing statement that closed on July 8, 2022, reflected a minimum payment of $30.00
due by August 4, 2022. Your billing statements with closure dates of August 8, 2022,
through November 8, 2022, did not reflect the Minimum Payment Due was received;
therefore, your account was considered delinquent and our representatives attempted to
contact you regarding your payment.
On September 28, 2022, you registered your routing number ending in **** and checking
account number ending in **** from ******************** Bank. The account information was entered
by you, not Credit One Bank. A payment of $298.12 that was submitted by you on
September 29, 2022, was returned by your financial institution on September 30, 2022,
due to "Non-Transaction Account." Due to the returned payment, your account was
assessed a Late Fee of $39.00.
A payment of $299.64 that was submitted by you on October 31, 2022, was returned by
your financial institution on November 1, 2022, due to "Non-Transaction Account." Due to
the returned payment, your account was assessed a Late Fee of $39.00.
Your account was closed by Credit One Bank on November 8, 2022 due to non-payment
for 90 days. We are reporting the account to the consumer reporting agencies as "Account
Closed at Credit Grantor's Request." As of the date of this letter, the balance on your
account is $769.95. Billing statements will continue to generate, and the remaining balance
will continue to accrue interest and all applicable fees including the Annual Fee until the
account balance has been paid in full.
Your concerns have been forwarded to the appropriate department for review. We greatly
appreciate you sharing your experience.
If you have any additional questions, please call **************** at ************,
Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between
6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
This is an attempt to collect a debt. Any information obtained will be used for that purpose.
BBB Case Number 18393211
NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on
the basis of race, color, religion, national origin, ***, marital status, age (provided the applicant has the capacity to enter
into a binding contract); because all or part of the applicant's income derives from any public assistance program; or
because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal
agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency,
Customer Assistance **********************, ************************************ 77052.
P.O. ************************************* P ************
PR018/A173588613
Business Response
Date: 11/28/2022
Office of the President
November 28, 2022
***********************
1610 **************
*********, ** 75407
RE: Account Number Ending in 1940
Case Number ***********
Dear ***********************,
Credit One Bank received your communication dated November 21, 2022, forwarded from
the Better Business Bureau of Southern ******.
We attempted to contact you regarding your concerns; however, we have been unable to
reach you.
On September 28, 2022, you registered your routing number ending in **** and checking
account number ending in **** from ******************** Bank.The account information was entered
by you, not Credit One Bank. A payment of $298.12 that was submitted by you on
September 29, 2022, was returned by your financial institution on September 30, 2022,
due to "Non-Transaction Account."
A payment of $299.64 that was submitted by you on October 31, 2022, was returned by
your financial institution on November 1, 2022, due to "Non-Transaction Account." Due to
the returned payment, your account was assessed a Late Fee of $39.00.
Credit One Bank has no additional recourse. We recommend you contact your financial
institution regarding the returned payments.
As disclosed, once you activate your Credit One Bank card, you are responsible for all
charges and fees associated with the use of your card. As long as there is a balance, you
agree to pay at least the Minimum Payment Due on or before your due date every month
or your account may be assessed a Late Fee.
Your account was closed by Credit One Bank on November 8, 2022, due to non-payment
for 90 days. We are reporting the account to the consumer reporting agencies as "Account
Closed at Credit Grantor's Request." As of the date of this letter, the balance on your
account is $769.95. Billing statements will continue to generate, and the remaining balance
will continue to accrue interest and all applicable fees including the Annual Fee until the
account balance has been paid in full.
Your concerns have been forwarded to the appropriate department for review. We greatly
appreciate you sharing your experience.
If you have any additional questions, please call **************** at ************,
Monday through Friday between 5:00 a.m. and 9:00 p.m., or Saturday and Sunday between
6:30 a.m. and 5:00 p.m. (Pacific Time).
Sincerely,
Credit One Bank, N.A.
This is an attempt to collect a debt. Any information obtained will be used for that purpose.
BBB Case Number 18393211
NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on
the basis of race, color, religion, national origin, ***, marital status, age (provided the applicant has the capacity to enter
into a binding contract); because all or part of the applicant's income derives from any public assistance program; or
because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal
agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency,
Customer Assistance **********************, ************************************ 77052.
P.O. ********************************************** P ************
PR018/A174070392

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