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

2,255 total complaints in the last 3 years.
750 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:05/29/2025
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.
Subject: Formal Complaint Regarding Credit Protection and Inaccurate Credit Reporting To Whom It May Concern,I am writing to formally lodge a complaint regarding the mishandling of my account and ********************** Protection benefits with Credit One Bank.I have contacted your customer service team on multiple *************************** in 2023, and again beginning in March 2024 through the presentregarding the activation and application of the Credit ****************** for which I have been paying. Despite these repeated communications and dispute submissions, Credit One Bank has failed to properly invoke the Credit Protection provisions on my ********** a paying customer enrolled in your ********************** Protection program, I understand that this service is intended to provide relief in qualifying circumstances, including protection from late fees and negative credit reporting. I have made good faith efforts to resolve this matter directly by disputing the inaccurate reporting several times, but the issue remains ************* a result, late payments have been improperly reported to credit bureaus, which is not only a violation of the terms under which I enrolled in your Credit ******************, but also causes undue harm to my credit standing.I demand that Credit One Bank immediately:Review my account and confirm the dates and circumstances under which Credit Protection should have been activated.Cease reporting inaccurate late payment information to the credit bureaus.Notify the credit bureaus of any necessary corrections.Provide written confirmation of the actions taken.This company robbed me every month I paid for credit protection, I will like all negative items on my credit one accounts removed, including the amex credit one account, ********************** one ********* accts open last four 8055 Close amex 4582
Business Response
Date: 06/10/2025
Please see attached.
Customer Answer
Date: 06/12/2025

Complaint: 23390515

I am rejecting this response because:
I am writing to formally express my deep dissatisfaction with how Credit One has handled my repeated attempts to invoke the credit protection benefits that I have been actively enrolled in and paying for.

I have contacted your company on multiple occasionsmost recently in 2023 and again in March 2024 through the presentregarding the need to activate credit protection due to financial hardship. Despite these documented efforts, your company has failed to honor the service that I am entitled to under the protection plan. I am requesting that Credit One disclose the number of times I contacted customer service regarding this matter.

It is unacceptable that I have continued to be charged monthly for a service that has not been provided when I needed it most. This negligence not only demonstrates a lack of accountability, but it also borders on deceptive business practices. I have recordings of my calls as proof of my efforts and your representatives failure to take appropriate action.

Your refusal to grant the protection benefits while continuing to charge me constitutes a serious breach of trust. I am requesting a full investigation into my account, a refund for all fees paid toward the protection plan since the time of my initial request, and an immediate resolution to this matter.

They unauthorized calls throughout the years. They are not mentioning any prior contact on my part nor me asking for it.

Sincerely,

****** *****
Business Response
Date: 06/18/2025
Please see attached.
Initial Complaint
Date:05/28/2025
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.
Credit one were told that charges are on account are not valid. They were also reminded over and over that the$22.32 was a valid charge. However the $148.88 is not valid. That was under a email address that is not in use although later when I wanted to update my email as lost a card they used the Strikingwic1 @ Gmail. Com and said they therefore had compelling evidence which is because that email was used on four amounts. Pay pal and ***** have stressed over and over they don't have a record of that email strikingaic1@ ********* nor do they have any recollection of Itunes charge for the $148.88. ***** and pay *** said I did not have to do anything they would talk to credit one. The charges were removed on a card I lost ending in 3416 along with other fraudulent charges totalling 4 amounts. So I thought it was settled. But the new card came ending in *************************************************************************** dispute but now have added cardholder account number **************** which is not a card I have with credit card. Each time the only investigate the $22.32 which is on that latter card number but no investigations on the $148.88. Which is a huge amount and apple and pay pal have said over and over I did not buy Itunes. I'm 65 years old I do not buy Itunes and do not have that account I don't really know what I tunes is really. And that last card number is not mine. It was rolled over to my new card. I have another card with credit one ending in 6109. Which is okay. Those are the only two cards I have. I don't know the number I gave ending in 8857. Which under their investigations says compelling evidence. But as I said that's not my card and that's not my email *********************** Please help this company see fit to return my money as they did on the first investigation on my first card ending in 3416. Which is not in use now
Business Response
Date: 06/19/2025
Please see the attached response letter.
Customer Answer
Date: 06/23/2025

Complaint: 23388682

I am rejecting this response because: they are playing into a scam. Like Apple Store told me just because you have done business with an email is how the scammers do it. They tally up small amounts then a larger amount. This merchant apple iTunes did not so buiness with me they have no charges from me for iTunes pay pal either so how can credit one say just because there were fraudulent charges made that I must have charged iTunes I do not have iTunes they send a letter advising me to update my email and phone which I did to ************************ but instead of updating it to that the used the fraudulent email used in the transactions as one I updated no way did I do that they know its fraudulent they mess me around saying ok we will take the charge off with interest when I showed them how the charges rolled over from a lost card to a new one laughing and saying they will give me back 10 dollars in interest when I asked they have only their word against mine they do not have the merchant Apple or pay pal to back up their claim I owe it if I had been watching I would have put all the charges in dispute which I did Then they granted me my money back then went back on their own investigation when I asked for my interest to be paid as well if this is not resolved then I will have no other choice but to alert Consumer Protection of these deceptive practices my account with the company is in the black as I have a zero balance with an $83 .00 credit so no doubt they dont have an expense to credit me on as I am all paid up and more I have two cards with this company and both are current But this is no way for them to treat their paying customers

Sincerely,

******* Steel
Business Response
Date: 07/01/2025
Please see the attached response letter.
Customer Answer
Date: 07/05/2025

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,

******* Steel
Initial Complaint
Date:05/27/2025
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 have two credit cards with this company. I want to cancel the cards and close the account. I need to know what the exact balance is when this takes place so no interest or penalties would apply to reopen the cards. I have been calling ************** for two weeks. Canceling or closing an account is not part or option on the multi tiered menu system. I press 0 zero trying to get to an actual person but there is a few seconds of silence and then the call is disconnected. As an employee of the **************************, I can get around this but I really dont want to take that route to create hardship on either parties. I need to close these accounts as soon as possible and get a closing balance.
Business Response
Date: 06/03/2025
The response correspondences are attached.
Initial Complaint
Date:05/27/2025
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.
This company has charged me for several years of fees for a card they refuse to let me use. They finally mailed it to me in May 2025 and as soon as I went to use it for the first time, they blocked it for fraud and will not accept my documents proving my identity. I want a refund for all the payments Ive made on a card account Ive never been able to use due to their company errors. I have called and spoken with several agents and managers at the call center and no one has been able to help. They keep saying they use a back office company to process verification documents and cannot see or talk to anyone there. As a manager of a call center, they should have the ability to see something more than a basic customer service agent and provide some sort of compensation for making their customers lives h*** when their company fails to act appropriately. Bad business. Pull the calls! Listen to how terrible they are.
Business Response
Date: 06/03/2025
See Attachment
Initial Complaint
Date:05/27/2025
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.
In 2022 I was two days late for my credit card payment and it is showing on my credit report that it was 30 days late. I have called the company and they told me I was only two days late and never 30 days late. I want this fixed because I'm trying to buy a house and this issue with this company and the same with *********** is holding me back from getting a home.
Business Response
Date: 06/02/2025
See attached correspondence
Initial Complaint
Date:05/27/2025
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 have 2 credit cards with Credit One Bank... On one of my cards the payment due date is the 6th of every month... My closing date is the 10th of every month... On May 6th, I made a payment, so there was no late payment.. Then on May 9th, I made a payment to pay off the balance.. Which made my balance $0 I have a confirmation number, date and time.. Credit One Bank reported my balance and payment information wrong to the Credit Bureaus... Credit One Bank reported my balance without the payment being made... Also, at one of the Credit Bureaus, Credit One Bank reported my information on the wrong date.... My information was sent to the Credit Bureaus on May the 9th, which is not my closing date... My closing date is the 10th of every month... Because of their errors, my credit score dropped over 100 points !!! I reached out to Credit One Bank, I was on the phone with them for a long while to get them to see and understand their errors... A report was filed, was sent to their Credit Department. I was asked to call back in 7 - 10 days... I waited, I called back... Now, I'm being told that the report has to be sent to another department, their ******************** Once again, im asked to call back in 7 - 10 days... This is unacceptable. Not only did Credit One Bank report my account balance and payment information wrong..... Credit One Bank also, reported my information to the Credit Bureaus before they should have.... I've worked very hard on raising and managing my credit... Only for it to ruined due to someone else's errors...
Business Response
Date: 06/03/2025
The response correspondences are attached
Initial Complaint
Date:05/22/2025
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 an account on 5/7/2025 and was approved for a credit limit of 300. I got an email on the ****************************** the mail. I got the card the following Saturday. I also got a letter saying that the account was blocked before I could even use the card. I called the number and got no answers why I submitted the documents the same day. Called today he doesn't have any answers I got this card for an emergency light disconnection. I have 2 days to get this card unlocked and there is not a clear answer . This is not fair business practice. AND the card already has a balance and I cant even use or pay on the card !!!!!!!!!!!!
Customer Answer
Date: 05/29/2025
they never sent me a release form.
Business Response
Date: 06/06/2025
Please see attached.

Customer Answer
Date: 06/10/2025

Complaint: 23363668

I am rejecting this response because: they have finally unblocked my card its now blocked again right after i made a payment for no reason ! i am so sick of credit one. i got my card blocked & i cant use it for a few days. that doesnt make any sense. i just paid $100 to not have access.

Sincerely,

******** ********** *****
Business Response
Date: 06/12/2025
Please see the response attached.
Customer Answer
Date: 06/12/2025

Complaint: 23363668

I am rejecting this response because : I have tried to use the card 5 different times all declined this doesnt make any sense AT ALL.
this was all different merchants.

Sincerely,

******** ********** *****
Business Response
Date: 06/23/2025
Please see response attached.
Initial Complaint
Date:05/22/2025
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.
Statement Regarding Identity Theft and Credit One Bank Account Eligibility To Whom It May Concern, I am writing to formally dispute a denial of my recent attempt to prequalify for a Credit One Bank credit card. The reason provided stated that I was ineligible due to a previously closed account associated with suspicious activity. However, I would like to clarify that I have never opened a Credit One Bank account in the past. The activity in question is the result of identity theft, not any action taken by me. An individual fraudulently obtained my personal information and used it to create a fake drivers license, open various ********************** card accounts, car loans, and bank accounts in my nameactions which I did not authorize and was completely unaware of until the consequences began to surface. I have taken the necessary steps to address this matter legally. A police report has been filed, clearly stating that I am a victim of identity theft. This report is available upon request as supporting documentation. Under the Fair Credit Reporting Act (FCRA) and related consumer protection laws, I respectfully request that any fraudulent information connected to my identity be fully investigated and removed from all records. This includes the erroneous closure of any Credit One Bank account that I did not personally open. These corrections are essential so that the real, legitimate version of myself may rightfully qualify for and open a Credit One Bank account. Please contact me if additional information is needed. I appreciate your prompt attention to this serious matter and your cooperation in restoring my financial integrity.
Business Response
Date: 05/29/2025
See attached correspondence
Initial Complaint
Date:05/21/2025
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 ********* is taking advantage of me because I lost my job to someone younger, and fell behind on payments. They are over charging on interest fees plus monthly interest. I pleaded with them to help me. I asked to lower interest and give a payment plan. I donot want to file bankruptcy. They are taking advantage of me because I am elderly. Look at the statements I sent you. I try to pay 100 a month. I am on a fixed income. It is hard .I will never pay them out. . Shame on them. More for them in their money hungry pockets.
Customer Answer
Date: 05/21/2025
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 Neveda.
The release shall only cover information deemed relevant to the specific issues submitted by me within my dispute /complain tand does not provide the Better Business with access to my additional external account information.

Judith {*****} ********
****** ********
May 21.2025
Business Response
Date: 05/28/2025
Please see attached.
Initial Complaint
Date:05/21/2025
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 4-20-25 I was charged a late fee. I was having technical issues with the website earlier that day on 4-20 and was unable to submit my payment. I tried again later day on 4-20 and was finally able to submit my payment. I must have missed some sort of cutoff time because my payment didn't post until 4-21 causing a 28 dollar late fee to be assessed. I don't think I should be charged that when I in good faith tried to pay before the cutoff but was unable to due to technical issues with the website beyond my control. I am asking for the late fee to be reversed.
Business Response
Date: 06/27/2025
PLEASE SEE ATTACHED.

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