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 98873 Las Vegas, NV 89193-8873

  
• 

  Credit One USA

  28651 Southfield Rd Lathrup Village, MI 48076-2701

• 

  Credit One Bank

  PO Box 977122 Miami, FL 33197-7122

• 

  Credit One

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

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:

  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.

• 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:

  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 this account January of 2023 and the credit limit for the card was $300. I refrained from using the card regularly. Then on September of 2023 I went to a friend's birthday celebration at a club and left my card on top of the bar and little that I know the next day some one had found the card and went on a shopping spree. The individual used my card past my credit limit of 300. So I immediately called credit one and made them aware of unauthorized charges and the representative at the time assured me that I would not be responsible for the unauthorized charges. She assured me that the current card will closed and I will be assigned with a new card number. So I refrain from using the card until at the end of 2023 when I logged into the account and saw all these late payments fees and hidden fees. I was not informed about these fees and the unauthorized charges were never removed my account. I tried to make few payments on the account to bring it under my credit limit, but the amount never goes down. Each month credit one will add additional hidden fees and etc. So at this point I'm tired of keep paying this account and the amount never applied towards the balance. The balance just keep going up. Now it's at $555 dollars and they recently closed the account and put it as charged off which looks bad on my credit report. For the past year credit one has been reporting my account as late payments despite me paying each month towards the account. ********************** one recently settled a CLASS ACTION LAWSUIT for an undisclosed amount . The Judge found them guilty for charging customers with hidden fees and high late fees payments and closing customers accounts without their knowledge. I'm requesting BBB to demand credit one bank to removed every previous late payment report that they have submitted to all three credit bureaus and to also remove the whole account from all three credit bureaus I'm also requesting the account be removed from my credit report

  Business Response

  Date: 07/02/2025

  Please see attached

  Business Response

  Date: 07/02/2025

  Please see attached

  Business Response

  Date: 07/02/2025

  Please see attached

  Business Response

  Date: 07/02/2025

  Please see attached

  Business Response

  Date: 07/02/2025

  Please see attached

  Business Response

  Date: 07/02/2025

  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.

  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,
  
  ***** ******