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

739 total complaints in the last 3 years.
722 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:07/22/2025
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 have been customer for almost a year now and pay my account in full monthly. Earlier in July I went to a store to purchase 2 gift cards ..due to receipt issues had to make 2 separate purchases got the first one and when I went to get 2nd one it was declined even tho funds were available for the purchase. I later went to website and called their hateful customer service number only to be told my account was restricted due to suspicious activity even tho I was the one making the purchase. They did nothing to call or even email if I was using the card as most credit card companies and banks do. Was told I had to send identification to prove it was me drivers license and utility bill. ******************** I was told up to 72 hours to have it expedited and straightened out, then called back when it still was straight and was told 7 to 10 days from day of uploading. Then today I went to check my account said documentation failed due to internal errors that is on their end! So again I called was given email address to send documents to and told it would be another 7 to ************************************************************************************** good standing.
Customer Answer
Date: 07/22/2025
Information you requested
Business Response
Date: 07/29/2025
Please see the response attached.
Customer Answer
Date: 07/29/2025

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. Yes they restored it and hopefully this wont happen to me again or any other customer

Sincerely,

******* *****
Initial Complaint
Date:07/18/2025
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.
7/10/25: I tried to make a payment online but it wouldnt go through. 7/10/25: I called customer service. My account is blocked and I was told by representative that I could not make any payment to my account because no changes could be made to my account.7/17/25: I received a letter that I owe $300 and that my account will be closed. 7/17/25: I called customer service to pay $300. I was told I owed $383.34 instead. Representative could not give me explanation of charges. I saw online that I have $30 late fee as well as another charge of $53.84 I did not make.
Business Response
Date: 07/24/2025
Please see the attached response letter.
Customer Answer
Date: 07/24/2025

Complaint: 23616659

I am rejecting this response because:
- I never received this letter for merchant.

- I never ordered the product from merchant.
- I submitted a police report documenting the theft of credit card as well as packages used with stolen credit card from my home by neighbors. My neighbor who has ring camera surveillance and lives across the street is a witness to this.
- Because my account was blocked, I could NOT make any other payments online nor by phone representative BEFORE the 7/15/25 due date. Representative stated, No changes can be made to account pending investigation.
Therefore I am asking that the additional charges to my account be removed.
Then I will pay the actual amount due which is $300.
Sincerely,

****** ****
Business Response
Date: 07/30/2025
Please see the attached response letters.
Initial Complaint
Date:07/14/2025
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.
Im so upset! I ordered transcripts on June 11th when I had plenty of credit available. I had about $33 in available credit in July and used $22 to pay for another item. For some reason they keep changing my credit amounts to the wrong amounts I shouldve had $9 in available credit but the interest charges took it away! Not only that tell me why my card ended up being like $499 so I wasnt over the limit yet, but tell me why they waited over a month later to past my $3 transaction I made LAST MONTH which put me over my limit by $2!! And if youre over the limit they charge more this is beyond deceptive and predatory! They already have a huge lawsuit for doing this to their consumers and if they dont refund me for waiting a month to post the $3 transaction (even though it was already posted last month) I will contact an attorney this is deceptive and theyre doing things to either charge you more, posting your transactions twice or waiting a month to post them. I am requesting a $3 refund because theres no way it should be taken a month to post this charge that already was said to be posted last month! This seems purposely done to put me over the limit to charge more.
Business Response
Date: 07/18/2025
Please see attached
Business Response
Date: 07/18/2025
Please see attached
Customer Answer
Date: 07/23/2025

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:07/14/2025
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.
6/29/2025 - ***** FIVE STARS NAILS 0000 ******* ** 6/27/2025 - ***** ****** 0000 ******* ** I reported these transactions as fraudulent. I did not have my card, and my password to my account had been changed online and I could not access it. Credit one was advised.Credit One claims these charges are valid per their investigation, which is a violation of the card holder agreement. These transactions were reported as fraudulent, and I have made it clear I did not make them. Furthermore, Credit One is gatekeeping me from appealing their decision, refusing to converse with me about their decision, and insists I will pay the amount owed, which I will not be.I have retained an attorney, and have no problem suing. They are **** insured, and per their cardholder agreement, with ****************, I am not responsible for any fraudulent charges on my account.
Business Response
Date: 07/21/2025
Please see attached
Customer Answer
Date: 07/22/2025

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:07/14/2025
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.
We tried making payments on both of our accounts June 3rd, which was before the payment due date. On June 6th we rec'd notice that our payments had been returned. Contacted Credit One who said our checking account had been "globally suppressed". Checked with our bank who said this was not true and they had no record of a payment being presented by Credit One. Went back to Credit One who said they would look into the matter and contact us by mail. We rec'd nothing.Waited two weeks and called and spoke with a Supervisor named **** *****. Told him this was ridiculous and we felt Credit One, based on conversation with our Bank, was perpetuating fraud and we wanted both card accounts cancelled. That was on June 20th. On June 22 I filed a complaint online with ********** of the Comptroller of the Currency . Now today both of these accounts are on our ********************** reports showing late payment status. And now both of our credit scores have dropped by 20 points due to these accounts being shown past due. We have asked this be expunged from our reports and these cards cancelled. We are not getting a response from Credit One.
Business Response
Date: 07/18/2025
See Attachment
Customer Answer
Date: 07/23/2025

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,

******* And ******* ******
Initial Complaint
Date:07/10/2025
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.
Complaint Against: Credit One Bank Subject: Denied Fraud Dispute Case #************C Complainant:*********************************************************************************************************************** Date of Dispute: June 18, 2025 Amount: $439.08 Complaint:I am filing this complaint regarding a fraudulent charge of $439.08 posted on my Credit One Bank account previous ending in 2308. The charge, dated 06/18/2025, was made at ************************ Paris FRa transaction I did not authorize and have no connection to.Despite submitting a formal dispute stating that I did NOT participated with the merchant .They have since want to reversed the provisional credit and are holding me financially responsible for the charge.This fraudulent activity will now impacting my credit at a crucial time, as I am in the process of buying my first home. I am seeking immediate removal of this unauthorized charge and a proper reevaluation of my case.
Customer Answer
Date: 07/10/2025
I tried to file the requested questions, however it did not allow me to type my answer. However, I have to mention I am the one KO0NINGSON MICHEL who, victim of the fraud who filed this complaint and I give my consent to process it, immediately.
Business Response
Date: 07/21/2025
Please see attached.
Customer Answer
Date: 07/22/2025

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,

Koningson ******
Initial Complaint
Date:07/10/2025
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.
i called no english lost my caard ending 3485 am ex please send me another. one. or teell me how to get another one cancel this one
Business Response
Date: 07/16/2025
Please see the attached response letter.
Customer Answer
Date: 07/18/2025

Complaint: 23581279

I am rejecting this response because: you have closed my account . i am done. taken all my credit from me i am done.

Sincerely,

*** *********
Business Response
Date: 07/25/2025
Please see the attached response letter.
Initial Complaint
Date:07/10/2025
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.
My uncle opened a fraudulent account with credit one in may of 2025 I found out about it on may 15 when I checked my credit report. I filed a police report, a identity theft report,************************ report # is ********* and filed a consumer financial protection bureau. I filed a dispute with ******** and they have removed it from my credit report.the first time they denied my claim was because the address on the application is the same as mine but the email and phone number on the application is not mine because when I would call and they asked me to verify my phone number and I would give them my phone they would tell me its wrong but now when I call to get updates and they ask for my number they dont tell me the phone number is wrong so I BELIEVE THEY changed the phone number on the application.I also sent them pictures of my uncle using the card at 2 different stores cause thats all I could get because many of the stores didnt want to help me with looking at there cameras and they still denied the claim.they said that they allowed the account to be opened because the phone number was associated with me and a family member.which doesnt make sense like how do they allow people to open fraudulent account because its a family member I will include several pictures. The picture of my uncle is the transaction number 25 which was at wss on may 24 and the picture with both of them was the 27 transaction on may 24 at ***** **
Business Response
Date: 07/18/2025
Please see the attached response letter.
Customer Answer
Date: 07/18/2025

Complaint: 23578988

I am rejecting this response because: how do they allow a family member to apply for a credit card and what the f*** does the bbb even do you send them documents that I already submitted to them.cause thats insane I want your job to just sit behind a computer screen and hit control c and control p on a pdf and send it to them.the bbb needs to f****** close this bank down the bank is rated extremely low, every complaint is a negative, credit one randomly closing peoples account or they take peoples payment and say they didnt pay and charge them a late fee, or my favorite one is they decided if a charge is a fraudulent charge and close the card over it but in my case I have submitted every piece of paper I have and there like no its not fraud.credit one is advertised as a credit building, I would never apply to it I have a 750 credit score I dont need help rebuilding my credit I would never apply for a credit card that off the rip charges interest all my cards I apply for are zero interest for 15 or more months

Sincerely,

***** ********
Business Response
Date: 07/25/2025
Please see the attached response letter.
Initial Complaint
Date:07/09/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was sent a pre-approval from Credit One Bank for a "No Annual Fee" Platinum card. I completed the pre-approval and was sent my card, once again no annual fee. I activated my card, two weeks later I receive a statement for $95.00. I contacted Credit One customer service today and was told they have charged me for an annual fee. I explained to the representative that I applied for the Platinum card with no annual fee as advertised on their website. The representative told me that I applied for no fee but after my approval and before card activation that offer expired. This company is predatory with a bit *** switch practices. I would never have applied if the card was advertised with annual fee charges. I just want the charge removed from my account so I can close the account.
Business Response
Date: 07/16/2025
Please see attached.
Customer Answer
Date: 07/18/2025

Complaint: 23574844

I am rejecting this response because:

Sincerely,

********* **********
Customer Answer
Date: 07/22/2025
The customer service *** told me the pre-approval along with original application was no annual fee when I applied and that it was changed after my approval and before my card was activated. This company pulled a bait and switch. My pre-approval said no annual fee, not what they sent to you as proof.
Business Response
Date: 07/29/2025
Please see attached.
Initial Complaint
Date:07/08/2025
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.
Dear BBB, I'm putting a complaint on this business for predatory and deceptive business practices. I opened this account in March of 2024. This credit card company charged me $ 75 of Annual Fee before even using the card so I only received $ 225 credit before I even started using the card and I paid $ 250 on 03/11/2024 since I went over my actual credit limit in the first month. The first balance for the month of April of 2024 was $ ****** ($436.83 Purchases-Payment made of $250.00). Now well. The next month I barely used the card, and I made my minimum payment of $ *****. so, the new balance on 05/07/2024 was $ ******. The next month (June of 2024) I purchased 8308 worth of merchandise, but I paid $ 100. The balance on 06/07/2024 was $ ******. The following months I made the following payments: 07/03/2024-$ 150 08/03/2024-$ **************-$ 150 10/30/2024-$ ****** 11/01/2024-$ 30 12/05/2024-$ ***** 12/19/2024-$ ****** 02/03/2025-$ 30 03/03/2025-$ 30 04/03/2025-$ ****** With all this said, I've been paying them consistently month after month since I opened the account. Going back to square one, the initial credit on this account is $ ****** and as of today 07/08/2025 the balance on this account is $ ******. Out of this $ ****** is a combination of Interest, Late Fees and Annual Fees as stated in the spreadsheet I am sending so I think this is illegal predatory business practices and should be punished. I called them to settle the balance but they refused to give me a lower settlement amount so I closed the account, but they stated that they will keep charging me fees till I pay it in full.
Business Response
Date: 07/15/2025
The response correspondence is attached
Customer Answer
Date: 07/15/2025

Complaint: 23569594

I am rejecting this response because:

Basically, it's stating the same as my original email-Fees after Fees (Annual Fees, interest, Late Fees) you name it. That's the main purpose of my original complaint. I closed the account so I'm looking for a settlement. They are stating that I will keep accruing interest, Late Fees and Annual Fees when I am not using the card anymore-these are predatory business practices, and they need to be prosecuted for doing this....

Sincerely,

****** *********
Business Response
Date: 07/28/2025
The response correspondence is attached.

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Credit One Bank is BBB Accredited.