Independent profile — not affiliated with Credit One Bank
Credit One Bank
Credit One Bank, N.A. is a Las Vegas credit card issuer. This page gives the bank's own contact and dispute routes (including the 60-day billing-error window it states), BBB and Trustpilot figures as displayed on October 14, 2026, the February 2026 California judgment over debt-collection calls ($10.2 million, which Credit One denied the allegations of), and the 281 complaints in this site's archive about Credit One and its earlier name, First National Bank of Marin.
Complaints & Reviews on USAComplaints
275 complaints on USAComplaints, including 2 published in the last three years.
- Unwarranted Account Turnover and Harassment Claims
- Charged a $75 "Fee" That More Than Quintupled My Balance
- Credit one is piss poor in customer service and payment posting - credit card
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Not sure they stealing identity Las Vegas
- Absorbant fees an not posting till after due date to collect late charges
- Services are a ripoff outrageous unwarned fees then they lie numerous of times to get your money, worst credit card ihave ever had dont use them its a nightmare and you will be sorry
- Credit one bank credit card stole, theft, fraud, overdrawn
- Credit One Applied for credit 4 weeks ago. They said it was pending approval. No card, no communication No way to cancel it
- HORRIBLE credit card company
- Continues to send my credit card to the person who stole my identity after calling for the 3rd time
- Credit one charged me for a card I didn't even activate yet
- Can't get ahold of the company
Complaint Themes
Independent Sources
Shown for context — not merged with USAComplaints' own numbers.
Contacts
- Official website: https://www.creditonebank.com/
- Customer Service 1-877-825-3242 (toll-free, TTY/TDD): 1-877-825-3242 122 complaints mention this number
- Customer Service from outside the U.S. 1-702-405-2042: 1-702-405-2042 3 complaints mention this number
- Application information 1-800-752-5493: 1-800-752-5493 3 complaints mention this number
- BBB-listed secondary number (702) 269-1000: 1-702-269-1000 31 complaints mention this number
Locations
| Type | Address |
|---|---|
| Headquarters | 6801 S Cimarron Rd Las Vegas NV 89113 |
| Mailing address | P.O. Box 98873 Las Vegas NV 89193-8873 |
| Mailing address | Credit One Bank Payment Services, P.O. Box 60500 City of Industry CA 91716-0500 |
| Mailing address | Attn: Dispute Department, P.O. Box 98876 Las Vegas NV 89193-8876 |
Credit One Bank fees, disputes, closing a card and collection calls: what the company's own pages say (checked October 14, 2026)
Credit One Bank's own pages, opened on October 14, 2026, give the routes below. Credit One's website refused the browser used for this check ('Access Denied'), so its help and FAQ text was read through a text renderer; the quotes are from those pages as returned that day.
- Phone. The Help Center lists Customer Service at 1-877-825-3242 (toll-free, TTY/TDD) and 1-702-405-2042 from outside the U.S.; application information is 1-800-752-5493.
- Mail. The Help Center gives separate addresses: payments go to Credit One Bank Payment Services, P.O. Box 60500, City of Industry, CA 91716-0500; 'General Correspondence' goes to Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.
- Disputing a charge. Credit One's FAQ 'How do I dispute a charge?' says: 'Please contact Customer Service at 877-825-3242 or mail your written dispute to: Credit One Bank, Attn: Dispute Department, P.O. Box 98876, Las Vegas, NV 89193-8876.' It lists five items to provide: 1) your account number; 2) the name of the merchant; 3) a detailed explanation of your dispute; 4) the date that the charge was made; and 5) the amount of the charge, and adds: 'If you are mailing your dispute, you must sign your letter.' A separate FAQ on timing says: 'To preserve your rights under the Fair Credit Billing Act, you must notify us by phone or in writing of any disputed charges within 60 days after the potential error appeared on your statement. We will respond to your dispute within 30 days after receipt.' For a missing or misapplied payment, the payment-dispute FAQ says to contact Customer Service at 877-825-3242. Keep the date you called, the representative's name or reference number, and a copy of any letter.
- Annual fee, late fee or a fee after closing a card. Several complaints on BBB's first page (see the complaint-record section) describe fee reversals promised on a call and later re-billed. Credit One's FAQ index links a 'close my account' page, but that page and the account-management FAQ page returned 'Page Not Found' on October 14, 2026, and no live Credit One page stating a closure or annual-fee refund rule was found in the pages checked, so the cardholder agreement and your statement are the documents that govern; ask for any waiver or refund promise to be confirmed in writing and note the date and name of the person who gave it.
- If the bank does not resolve it. The CFPB's complaint page says it accepts complaints about financial products and services and sends them to the company for response: consumerfinance.gov/complaint. BBB also forwards complaints to the company and publishes the exchange. A complaint about an account you never opened can also be raised with the credit bureaus as an identity-theft or disputed-account item.
Collection calls. If you are being called about a Credit One account, the Help Center lists Customer Service at 1-877-825-3242 and General Correspondence at P.O. Box 98873; written disputes of a charge go to the Dispute Department box above. Whichever route you use, keep a copy and the date. A state judgment about the bank's own collection-call practices in California is described in the regulator-actions section below.
About a settlement you may have seen advertised. Several websites in 2025 reported a '$14 million' Credit One TCPA robocall settlement paying '$1,000' to class members. TCPAWorld, a legal blog, wrote on June 17, 2025 that none of those articles cited a court or case number and that its docket check found no such settlement. No settlement-administrator page is cited on this page; treat claims that you can 'apply now' for such a payment as unverified unless they name a court and case number.
California district attorneys' debt-collection-call judgment (February 2026)
The Riverside County District Attorney's release dated February 20, 2026 states that Credit One Bank, N.A. 'will pay $10.2 million to settle a civil lawsuit brought by a statewide team of district attorneys', handled by the California Debt Collection Task Force (District Attorneys of Riverside, San Diego, Santa Clara and Los Angeles counties). The case, number CVRI2101654, was filed in Riverside Superior Court.
The release says the complaint alleges that Credit One, directly and through its agents, 'made debt collection phone calls to California residents with unreasonable and excessive frequency' and that, at times, it 'persisted in calling consumers after they stated they no longer wished to receive the calls or when the calls were made to wrong numbers'. It states: 'Credit One denied these allegations.' The Stipulated Judgment was signed and entered by Judge Harold Hopp on February 19 and, per the release, orders payment of a total of $10.2 million, 'including $9 million in civil penalties and $1.2 million in investigative costs', and requires Credit One to comply with state and federal law on consumer debt collection calls and 'maintain certain business practices designed to ensure compliance with the law'.
The money in this action goes to the government parties; the release does not describe a claims process for individual cardholders. BBB's profile carries the same summary under 'Government Actions'. No other OCC, CFPB, FTC or state attorney-general enforcement order against Credit One Bank was identified in the sources checked on October 14, 2026 (the bank's BBB profile, the CFPB database and court-docket searches); that is a statement about the sources checked, not a finding that none exists.
Who Credit One Bank is
Credit One Bank, N.A. is a credit card issuer headquartered in Las Vegas, Nevada. Its About Us page says it was 'Founded in 1984' and that it offers credit cards 'as well as high-yield certificate of deposit and savings accounts'; it also states '40,000,000+ Cardmembers & Counting' and that it is an official partner of the Las Vegas Raiders, the Vegas Golden Knights and the Official Credit Card of NASCAR (company statements). NASCAR's release of August 13, 2026 says Avant 'will become NASCAR's exclusive partner for co-branded credit card products in the United States beginning January 1, 2027'; Sports Business Journal reported the same day that Avant would be replacing the rights held by Credit One Bank and quoted a Credit One statement that it intends to remain in the sport in other ways. The sources opened do not say what happens to existing Credit One NASCAR cards. Its footer reads 'Member FDIC'.
Earlier name. In In re Anderson (2d Cir. 2018) the court wrote that First National Bank of Marin was 'a predecessor in interest to Credit One', and many complaints in this archive from 2002 through 2008 are filed against 'First National Bank of Marin' or 'FNBM' and several name both ('Credit One Bank aka FNBM'). The Second Circuit's phrase is the source for the connection used on this page; this page does not state the date or legal mechanism of the change.
Do not confuse with other companies. Credit One Bank is not Capital One; several complaints in this archive say the similar name and logo caused confusion, which is a statement of those complainants. The archive also contains 2008 to 2012 complaints about 'Credit One Commerce Financial' and 'Credit One Total', in which complainants describe being asked to pay money in advance to obtain loans or to raise credit scores; they are not linked to this profile because nothing in them ties those businesses to Credit One Bank, N.A. The CFPB database's company-name lookup, searched on October 14, 2026, returns a separate 'Credit One LLC' (debt collection and loan complaints) that likewise is not tied to the bank here.
Complaint record: BBB, Trustpilot, CFPB and this site's archive (as displayed on October 14, 2026)
BBB. The BBB profile for Credit One Bank (Las Vegas) shows an A+ rating and BBB Accredited Business status (accredited since June 10, 2011 per the page's data), '1,921 total complaints in the last 3 years' and '414 complaints filed in the last 12 months'. Its customer-review tab shows 1.08 out of 5 from an average of 1,222 customer reviews; BBB says reviews are not used in the letter grade. Complaints visible on the first page on October 14, 2026 were all typed 'Billing Issues' and described, among other things: annual fees charged on closed accounts, a disputed $833.01 app payment, unauthorized charges disputed and denied, and a request about a credit-line increase offer; several show the business responding and the consumer accepting or rejecting the resolution. These are individual allegations, not findings.
Trustpilot. Trustpilot's page for creditonebank.com showed 3.4 out of 5 from 1,632 reviews and 'Unclaimed profile' on October 14, 2026. Trustpilot says it does not fact-check reviews.
CFPB. The CFPB complaint database's company-name lookup, run in a browser on October 14, 2026 with the queries 'credit one', 'credit one bank', 'credit one bank, n', 'CREDIT ONE BANK, NATIONAL' and 'credit one financial', returned only 'Credit One LLC' (for 'credit one') and no entry for the bank, so no CFPB complaint count for the bank is cited here; the lookup is not a statement that no complaints have been filed. Complaints can still be submitted at consumerfinance.gov/complaint.
This site's archive. 281 approved complaints in this site's archive are linked to this page: 275 name Credit One Bank (or First National Bank of Marin / FNBM, 90 of them under the earlier name only) as the offender, and 6 mention it alongside collectors or other companies. They are dated from January 2002 to May 2026 and are concentrated in 2002 to 2013 (57 in 2012, 32 in 2008). Reading 275 of them by keyword, the topics most often mentioned are fees (166 mention annual, monthly, late or processing fees), account closure or cancellation (132), payments and posting (126), credit reporting or collections (78), fraud, identity or never applying (71) and phone calls (50); the categories overlap. These are the complainants' accounts, not verified by this site and not a measure of the bank's current practices. 22 posts that were machine-spun, duplicated or non-complaints were not linked.
Court cases involving Credit One Bank
The three matters below are documented from the court's own docket or opinion. Individual consumer suits against the bank are filed regularly in federal courts (a docket search on October 14, 2026 showed several new 2026 complaints captioned 'v. Credit One Bank, N.A.'), and most are not described here.
- People v. Credit One (Riverside Superior Court, CVRI2101654). Debt-collection-call enforcement suit by California district attorneys; Stipulated Judgment entered February 19, 2026 with $10.2 million in payments; Credit One denied the allegations (see regulator-actions section).
- A.D. v. Credit One Bank, N.A. A putative TCPA class action (N.D. Ill. 1:14-cv-10106) over calls to a number the plaintiff said belonged to her and not to the account holder. On March 22, 2018 the Seventh Circuit reversed the order compelling arbitration, holding A.D. was not bound by the cardholder agreement's arbitration clause. On the CourtListener docket, a stipulation of dismissal was filed June 26, 2018 and the court's June 27, 2018 minute entry dismissed the case 'in its entirety, with prejudice as to plaintiff's claims and without prejudice as to the claims of the members of the putative class'; the court's order refers to the parties' settlement, and its terms are not on the docket. No class settlement resulted.
- Anderson v. Credit One Bank, N.A. (In re Anderson). A putative class claim in bankruptcy court that the bank's refusal to update credit reports of discharged debts violated the discharge injunction. On March 7, 2018 the Second Circuit (No. 16-2496) affirmed that the claim could not be sent to arbitration because it is a core bankruptcy matter and remanded for further proceedings. The ruling concerned where the claim is decided, not whether the claim is correct; the bank had stipulated that it would update the credit reports of Anderson and other consumers. The outcome after remand is not stated in the sources opened.
Is Credit One Bank Legitimate?
Credit One Bank, N.A. is a Las Vegas-based credit card issuer that identifies itself in its footer as a bank and a 'Member FDIC', has a BBB profile with an A+ rating and Accredited status (file opened 1995-10-05 per the page's data), and is the named defendant, as 'Credit One Bank. N.A.', in a 2026 California judgment and in federal court opinions. Those facts show that the company exists and is a bank; they do not speak to any individual's experience with fees or customer service.
Themes mentioned in the sources above include fees charged before a card was used (in the 2011 to 2013 posts in this archive), payment posting, fee waivers promised on calls and later re-billed, collection call frequency, and accounts people say they did not open. The company's position, stated in its own FAQ, is that disputes must be raised within 60 days and are answered within 30 days. The Riverside judgment records that Credit One denied the call-frequency allegations.
Court & Public Records
| Case | Authority | Dates | Type | Outcome | Source |
|---|---|---|---|---|---|
| People of the State of California v. Credit One Bank, N.A. (debt-collection call enforcement) Docket CVRI2101654 | Superior Court of California, County of Riverside | — | Judgment | Judgment entered Civil consumer-protection action by the California Debt Collection Task Force alleging excessive and unwanted debt-collection calls. Per the Riverside County District Attorney's release dated February 20, 2026, a Stipulated Judgment was entered on February 19, 2026 ordering payment of $10.2 million, including $9 million in civil penalties and $1.2 million in investigative costs, and requiring compliance with state and federal debt-collection-call law. The release states that Credit One denied the allegations. | Source |
| A.D. v. Credit One Bank, N.A. (TCPA putative class action; arbitration appeal) Docket 1:14-cv-10106 | U.S. District Court, N.D. Illinois; U.S. Court of Appeals, Seventh Circuit (No. 17-1486) | — | Dismissed | Dismissed A minor, through her mother, alleged under the Telephone Consumer Protection Act that Credit One called her number to collect a debt she did not owe. The district court compelled arbitration; on March 22, 2018 the Seventh Circuit reversed, holding she was not bound by the cardholder agreement's arbitration clause. After remand, a stipulation of dismissal was filed June 26, 2018 and the court's June 27, 2018 minute entry dismissed the case 'in its entirety, with prejudice as to plaintiff's claims and without prejudice as to the claims of the members of the putative class'; the order refers to the parties' settlement, whose terms are not on the docket. No class settlement resulted. | Source |
| Anderson v. Credit One Bank, N.A. (In re Anderson) (discharge-injunction putative class claim) Docket 2d Cir. No. 16-2496 | U.S. Bankruptcy Court, S.D.N.Y.; U.S. District Court, S.D.N.Y.; U.S. Court of Appeals, Second Circuit | — | Appeal decided | Appeal decided — see outcome A debtor alleged that the bank's refusal to update credit reports after a Chapter 7 discharge violated the discharge injunction (11 U.S.C. section 524(a)(2)). The bankruptcy court and the district court refused to compel arbitration; on March 7, 2018 the Second Circuit affirmed and remanded for further proceedings, holding the claim non-arbitrable because it goes to the heart of the bankruptcy court's power to enforce its own orders. The opinion also records the bank's stipulation that it would update the credit reports of Anderson and other consumers. The ruling decided the forum, not the merits, and the sources opened do not state the outcome after remand. | Source |
Related Complaints
Names this company in a role other than the primary subject — not necessarily current or complete.
Company Relationships
- Formerly known as: First National Bank of Marin
Frequently Asked Questions
How do I contact Credit One Bank?
Credit One's Help Center, opened October 14, 2026, lists Customer Service at 1-877-825-3242 (toll-free, TTY/TDD) and 1-702-405-2042 from outside the U.S. Payments go to P.O. Box 60500, City of Industry, CA 91716-0500; general correspondence goes to P.O. Box 98873, Las Vegas, NV 89193-8873. Written disputes of a charge go to a different box (Dispute Department, P.O. Box 98876, Las Vegas, NV 89193-8876) per the dispute FAQ.
How long do I have to dispute a Credit One charge?
Credit One's FAQ says to preserve rights under the Fair Credit Billing Act you must notify the bank by phone or in writing 'within 60 days after the potential error appeared on your statement', and that it will respond 'within 30 days after receipt'. The FAQ on how to dispute a charge gives the mailing address 'Credit One Bank, Attn: Dispute Department, P.O. Box 98876, Las Vegas, NV 89193-8876', asks for the account number, merchant name, a detailed explanation, the charge date and the amount, and says a mailed letter must be signed.
What was the 2026 California judgment against Credit One?
The Riverside County District Attorney's release dated February 20, 2026 says a Stipulated Judgment entered February 19, 2026 in case CVRI2101654 requires Credit One Bank, N.A. to pay $10.2 million ($9 million in civil penalties and $1.2 million in investigative costs) over allegations of excessive and unwanted debt-collection calls to California residents. It states that Credit One denied the allegations.
Is there a $14 million Credit One robocall settlement paying $1,000?
TCPAWorld wrote on June 17, 2025 that outlets reporting a '$14MM' Credit One TCPA settlement cited no court or case number and that its docket check did not find it. The documented 2026 payment is the $10.2 million California judgment, which is paid to the government parties and has no claim form described in the release.
Will Credit One refund an annual fee if I close my card?
Credit One's FAQ index links a 'close my account' page, but it returned 'Page Not Found' on October 14, 2026; no live Credit One page stating a closure or annual-fee refund rule was found in the pages checked. BBB complaints show some consumers describing fee reversals after a closure call; the cardholder agreement and your statement govern, and a promised waiver should be confirmed in writing.
Is Credit One Bank the same as Capital One?
They are different companies. Credit One Bank, N.A. is headquartered in Las Vegas, Nevada, per its About Us page, and the Riverside DA's release lists 'Capital One Bank' as a separate, earlier judgment against a different defendant. Several complaints in this site's archive say the similar name and logo caused confusion for the complainant.
What does BBB show for Credit One Bank?
As displayed on October 14, 2026, BBB shows an A+ rating and BBB Accredited Business status, 1,921 total complaints in the last 3 years, 414 in the last 12 months, and 1.08 out of 5 from an average of 1,222 customer reviews. BBB notes that reviews are not used in the letter grade.
Where can I file a complaint about Credit One Bank?
The CFPB's complaint page says it accepts complaints about financial products and services and forwards them to the company for response (consumerfinance.gov/complaint). BBB also accepts complaints and posts the company's response. Contact Credit One first by the phone and mail routes in its Help Center.