Credit One Bank Complaints : Stop Phone Call Harassment And Robocalls

Many consumers bring up complaints about harassing robocalls

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Credit One Bank, also known as Credit One Financial, is a financial services company which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

Who is Credit One Bank?

Credit One Bank offers consumer credit through a variety of retailers and banks. Credit One Bank’s in-house collections and billing departments have received a number of consumer complaints alleging financial crimes. If you have been contacted by Credit One Bank, make sure you know your rights before responding.

According to their website, Credit One Bank services over seven million customers, which they attribute to their stellar customer service. Customer testimonials praise the bank for allowing them the opportunity to rebuild their credit score when other banks steered clear due to past financial troubles. Credit One Bank claims to have surveyed their clients and discovered that 85% would recommend their services to others.

Credit One Bank “is dedicated to being a leader in the credit card lending industry by providing card members with value and excellent customer service.”  They are currently the official credit card of NASCAR, and consumers who hold their NASCAR Visa receive double cash back at the Superstore.

Credit One Bank offers three credit cards, a Cash Back Rewards Visa, the Platinum Visa for Rebuilding Credit, and the Official NASCAR visa. Their website is designed to entice consumers to apply immediately for credit, with buttons to see if you prequalify prominently featured.  There is a section devoted to responding to mail offers, so this bank targets consumers who would not qualify for credit elsewhere.

Sample Cardholder agreements are available for consumer perusal.  They state that card holders will be charged a 25.15% interest rate which fluctuates based on the market rate.  Not mentioned in the many various advertisements is the $75 annual fee, charged in full when the card is opened, reducing a modest $300 credit line to $225.  After the first year, the fee rises to a $99 annual charge billed at $8.25 monthly.

How Many Complaints are there against Credit One Bank?

The Consumer Financial Protection Bureau (CFPB) lists 18,688 complaints against Credit One Financial (aka Credit One Bank) over a three year period, regarding everything from credit collection to inaccurate information on credit report. The BBB’s profile page for Credit One Bank lists 1,165 complaints closed in the past three years, with 407 closed in the past 12 months. Most of these complaints were about billing and collection issues, but also included complaints about advertising and customer service. Of the 143 customer reviews, 138 are negative. Justia lists at least 30 cases of civil litigation that name Credit One Bank as a defendant.

How Much Will It Cost to File A Lawsuit Against Credit One Bank?

Absolutely. Here are some Sample Cases Where Our Clients Won in Arbitration:

Credit One Bank consumers generally accept an arbitration clause when they sign up for their services.

In August 2016, Lemberg Law received a case on behalf of James Doe (names changed to protect client’s privacy) of Rochester, New York.  James was receiving up to thirty calls a day from Credit One Bank in regards to a debt that he owed.  Despite speaking with a live representative and revoking consent, the defendant continued to place copious amounts of calls to his cell phone in a manner which he found intrusive and harassing.  These calls utilized a predictive dialer, an automated device which attempts to predict how long it takes the consumer to answer the telephone, then connects them with a live representative.  Such devices store phone numbers.  We demanded $500 for each phone call placed to defendant’s cell phone after permission had been revoked.  Case settled pre-litigation within one year with cash award as well as waiver of his debt with Credit One Bank.

Client Becky Doe was receiving up to ten calls a day from Credit One Bank when she contacted Lemberg Law for help. On numerous occasions Plaintiff revoked permission for Credit One to call her, including calling them herself to emphasize she wanted to receive correspondence by mail only.  None of her actions stopped the calls.  Once she reached out to Lemberg Law, not only where we able to stop the harassment, but we won a sizable cash award for her trouble.

Contact Information

Credit One Financial
6801 South Cimarron Road
Las Vegas, NV 89113
Telephone: (877) 825-3242

Credit One Bank Calling You?

Understanding Your Debt Collection Rights

Federal consumer protection laws are designed to protect consumers from unethical business practices. For example, the Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) regulate the way in which collection agencies can conduct business. The FDCPA’s provisions prohibit the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies.

Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how consumers can assert their rights when financial services companies overstep their bounds.

These laws also provide individuals with a means to seek monetary damages in court. For instance, the TCPA provides monetary compensation to consumers who can prove harassment. In the case of willful harassment, this compensation can be increased three times. As a result, entities can be fined up to $500 if case harassment is proved. In case willful violation is proved, this compensation can be up to $1500.

Ready to Stop the Harassment from Credit One Bank?

Your phone harassment checklist:

  • Your debt harassment checklist:
  • Calling you before 8:00 am or after 9:00 pm
  • Calling and not identifying themselves or their purpose.
  • Use misleading of fraudulent tactics to communicate with you
  • Calling you at your place of employment
  • Calling your friends, neighbors, or coworkers
  • Disclosing personal info to someone else without your consent
  • Ignoring your requests to not call you; not honoring the Do-Not-Call-Registry.
  • Threatening and intimidating you with violence, lawsuit, or arrest
  • Use of threats, offensive language and aggressive behaviors
  • Criminal accusations are being made towards you
  • Automated robocalls are being made to your phone in an attempt to collect
  • Harassing you with constant or unwanted calls

If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW

What Our Clients are Saying

“Lemberg Law has been great in handling my harassment case . They got the robocalls to stop when I was unable to get my number taken off the company’s list on my own. I highly recommend this law firm to anyone having an issue with pushy bill collectors harassing you”

“Was getting harassed by phone calls. Looked for an attorney that could help online and found Lemberg Law.  They took care of everything and kept in contact with me just the right amount. Never expected anything would come of it but they did all the work and it relieved a lot of stress in my life!”

“Lemberg Law was a great choice. They really helped me with my situation. They were very professional and answered any questions I had and responded to my calls and emails. I would definitely use them again and recommend them to others.”

Can You Help Me Stop Credit One Bank Harassment?

Chances are we can. Call us to today and we’ll tell you how we can help.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • Joe B

    I have no debts or any reason for credit one to call me, but they are harassing me with phone calls. These are the numbers they used.

  • Ed V

    Their legal page for terms, fees and conditions under the Credit One American Express card application page clearly states that the annual fee is $39. After applying I received my card with $75 taken out for the annual fee. This is clearly fraud or at the very least false advertising. See for yourself and go to the application page for the Credit One AmEX and click on the Terms link. Also, the downloadable PDF file also states the annual fee of $39

  • Elizabeth S

    So my card is slightly over the limit. The payment is NOT due until this weekend. However, every day at least 5-6 calls if not more to tell me what I already know!! I asked them to stop calling and they refuse. I was literally screaming at them in my car today. It’s ridiculous!! Courtesy call one time? Sure. Pestering me every day all day? Nope.

  • Allesandra W

    I accidentally miss my payment one time on my credit card for credit one and they had started calling me from a strange number. I did not answer. After receiving a few more calls I finally answered and realized that it was credit one bank. I was disgusted that they were acting like this over a one time payment of $30. I have the money available but since they were acting ridiculous I did not pay. I have chose not to pay because if they have already added a late fee then I chose to make them wait for Augusts payment due on 8/28 so that I can pay the July and August payment together.
    Every day they have been calling. They have called 41 times since August 7th to August 17th. I asked the representative to stop calling me and told the representative on the phone that I will make a payment together at the end of August. He ignored everything I said and replied “ You said you can make a payment today ?” I hung up the phone

  • Jeramy M

    I receive 8 calls a day and I do my best to block them but they call from different states each time. I have told them before to remove me from their call list because I don’t even have debt or card with this institution. They tried to get my social and some other info, I believe it’s a scam!!

  • Regina A

    I canceled my credit one card over a month ago with the representative stating they will take care of the $30 balance of the card. Since then, I have received multiple calls per day trying to get me to make a payment on a card that no longer exists! I’ve spoken to at least two representatives all but screaming at them to leave me alone and it hasn’t stopped.

  • Cameo S

    I’m late on one payment I couldn’t pay right now I told them I’ll pay it as soon I get money and I’m start working again soon and I’m taking care my grandma who been sick for 2 week and she is getting better and I’m Deaf but wear Cochliar implant help me hear some but i get area code where in my town said they credit one bank and tell me need to pay I said I will pay when I can and demand me to find day pay I was like excuse me I can’t understand you and yell and scream at me on phone after I told them
    That not going help me hear them
    Better and said I need pay on 1st but they can wait until I get enough funds right now my funds are low and they need understanding but getting like 20-30 phone calls everyday is getting out control they need do email than calling every hour or so even one time it was like close to 1am they call at midnight and 10pm at night I like keep my phone open line Just in case emergency if my grandma need me she won’t be able call
    It they keep calling me and my phone always dying cause of them keep constantly calling my phone

  • Jessica

    I missed one payment and they have been calling me daily on multiple numbers. Yesterday I was at the hospital with my daughter and between 8am and 12pm, they had called me 6 times. I am usually a patient person but I had it. I answered and told them I would be making a payment online as soon as I could and that I wanted them to stop calling me so much because they were basically harassing me. The representative apologized and continued to push me to make a payment over the phone. I repeated myself that I would be handling the payment online, said thank you, have a nice day and hung up on them. It’s 11am and they just made a call. This kind of of behavior is unacceptable. As soon as I pay off my card, I am closing the account and filing a complaint because this is utterly ridiculous.

    If I could give credit bank a zero start review, I would. 5 stars for this informative article.

  • Tanya

    I have missed one payment to Credit One Bank because I was out of work and waiting on my final pay check, went to pay the bill and was locked out of my online account saying that they closed my credit card.
    Credit One Bank is calling me in upwards of 10-20 times a day, I have told them to stop calling me and that they can send any correspondence through the mail. They still continue to call me, I have blocked multiple numbers my cell phone and they just use another number to call me over and over.
    I have tried to contact them and pay my bill, but they refuse to take any action.

  • Julie

    Told them I been going through eviction and lost my job due to health reasons. They call me every hour and sometimes before 8am. It’s annoying and i had them longer than my other card and they still won’t work with me. I told them that I don’t have any money and they still attempt to set up payment plans that I tell them that I have no idea if I’ll have the money. I asked for any hardship plans and they denied me. They closed my card and are still calling. It’s severe anxiety that I have that makes it worse.

  • Jack W

    I am receiving constant harassment calls from Credit One. I am not late on any Credit Card payments.

  • Nicoke

    I keep getting calls. Some register as being credit one and others are not them but when I answer they say its credit one. I am so frustrated. I have told them multiple times I am out of work. I just started a job and am waiting to get paid. I just want the calls to stop. I am so scared when the phone rings. I have severe anxiety and this is just making it so much worse

  • GK

    Credit one has called me this past week on average of 15 times per day. Maybe more. I’m so tired of this. I’m in a DPM even.

  • Arianna

    They have called me repeatedly more than 50 times TODAY alone. I am tired of the harassment.

  • Josephine

    Crediit one Harrasment when you are not even late with payments

  • Randy R

    They get big blocks of numbers that happen to be local to me IE. 816-739-7509 (block of numbers that all start with 816-739-7.) I can’t just block one number because they will just call from a different number next time. I can only block the whole range of numbers (prefix,) but I’m afraid that will block legitimate callers. They must be changing the numbers they call from frequently enough that they aren’t labeled as spam by my caller-id provider (Sprint.) I get 20 calls a day starting the day I’m late on a payment.

  • Tammy

    I have been making payments to Credit One on a regular basis. I get email receipts and have called the number on the back of the card and the automated service said they received my payment. A few days to a week later I start getting emails and tons of phone calls from all different numbers telling me my payments were all returned and I owe a large sum with late fees. The money is not returned to my account so someone has it. My account history shows the payments going out and my bank would notify me of any returned payments. I’m disabled and cannot come up with the money they’re asking for not would I since they will say they didn’t receive it a few days later.

  • Sarah

    Credit one customer service calls at all hours of the day seven days a week starting at 8AM and don’t stop until well into night hours. I counted 11 calls in a day. They leave no voicemail and continue calling from different numbers. I’ve had an account with them less than a month. This is absurd. I have never seen a credit company so poorly run and harass it’s customers day on end.

  • Pam

    Have credit one and during this time of coronavirus they increased the minimum payment for my account…my payment was due yesterday the 20th. I tried for two days to sign in to my account to make payment but kept getting message saying “we are unable to process your request at this time. Please try again later”.

    So now it is the 21st and I just now was able to finally sign in to my account at 2:55 am eastern standard time and this message was waiting on me. “You are over your account limit. Your account may be closed. Please make a payment now”.

    My account had a $22 available credit but they charged me a $28 late payment fee causing my account to go over the limit.

    They won’t provide any way to speak to them cause their phone number has been set up for automated account access only. The phone hangs up if you try to get live person telling you to try again later and has been this way since virus started.

    I honestly think they are purposely causing people to be late just so they can charge the late fees.

    They are not a good place to deal with. (1) They hold your payment for 5 business days even though they take it right out of your bank account trying to force people to pay that $9.95 for their instant payment. (2) They falsely provide you with a lot lower credit score from experian, which I contacted experian after credit one claimed they only provide what they are given by experian, who in turn said credit one was not being honest if they are providing different score. (3) If you make an extra payment in a month they take the payment but then make you go through bank account verification again or you can’t use your bank account to make payment anymore.

    In a time like this credit one should be helping not taking advantage of people.

    SO SAD!

    I am 60 yrs old, a veteran, under identity theft and waiting on disability to approve my claim and now this. I have now had to sell my mobile home which was recently paid off due to companies such as these people so that I pay my debts to those who will not wait or work with you and hold my head high.

  • george R

    i have been geting harassment from credit one bank about my bills i have senting 100.00 dollars a month on my bill but they still harassing me i told them i was sick with stage 2 kidney disease but they still dont stop calling and harassing.

  • barbara k

    I am currently receiving phone calls from credit one at all hours of the day and night demanding I make payment on my account. I am a bit late but intend to pay on my payday. I told them that and they were nasty to me demanding I give them a debit card to pay my bill in full. They call from all different numbers and area codes. They are usually foreign sounding with thick accents. It’s becoming a real problem.

  • Dan C

    Credit One calls me 10+ times a day and has now started to call past 8 pm almost every night.

  • Timothy D

    I am receiving constant harassment calls from Credit One. They call all day and night using different numbers. I want to file a suit for harassment.

  • JOHN K

    Credit One Bank collections have been “spoof” calling using a caller ID that says it is “Medical Suppies” and “Asia Pacific”. When I call the “spoof” numbers I get a representative that says it’s Credit One and from the sounds of it I’m reaching someone in South Asia (India) It seems I’m not able to talk to any US based representatives from the bank.

  • Betty S

    I have been with credit one since last year. I have made all my payments on time every month. My significant other wanted to help me with payments. We got online access and he made payments to the account. I still made payments to the account. Credit one then started saying that they couldn’t verify the payments. One person said he made a payment with a credit card. In attempt to fix the situation I did send them a check. They still have his payment out there and my payment. We have paid $1060.00. We only owed 821.00. These people have put a block on my account. I don’t know if they credited the account with the money that we have sent to them. I have tried to do everything that has been required to straighten out the problems. I have called them numerous times. It is a nightmare dealing with customer service. I have sent them my driver’s license copy, utility bills, military id card. I have sent a letter to the bank president. I just want them to send me the documentation about the payments. I am very concerned about the payments of over a thousand dollars and if they have credited my account. If you talk to them I hope that you can understand them.

  • Dasha L

    Apparently these guys have sold off an old credit card to four companies. But now they are using their lawyers to come after me for the same debt that they sold off to other people. When I request validation of who owns the debt I get nothing but a photoshop copy of an old bill with nothing that has my personal hand marks or anything. I just learned that they are going to Sue me. For what? I can’t believe that the legal system is allowing these people to abuse people and harass them this way. They should just do their jobs and prove that that is old instead of selling it to multiple people and still coming after consumers.

  • Ernest I

    Credit One Bank has poor customer service with their credit cards. They try to instruct me where I should and should not use my credit card at and if they don’t like the site I use it on they will decline me and suggest I use a different credit card. I called credit one when my card got declined and I was put on hold for about half an hour waiting to talk to a supervisor. I was told by the first rep. to wait 10 to 15 minutes to use the card again and the supervisor told me to wait several hours or wait until the next day to use the card again. I made a mistake obtaining 2 credit cards with credit one. I will take care of the mistake eventually by paying off the balance on each card and then cancel the credit cards.

  • James M

    I made my payments on time and now they’re claiming that they haven’t recieved my payment but my bank has proof that they have. They keep calling me at work harassing me and I have proof I paid. Spoke with 3 different agents in the past week and they were supposed to correct it and haven’t

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