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Credit One Bank Reviews & Complaints

Credit One Bank, N.A. is a Las Vegas credit card issuer, founded in 1984 as First National Bank of Marin and renamed in 2006. It is a national bank and an FDIC member. Below: how to reach the bank and dispute a charge within the 60-day billing-error window, its BBB and Trustpilot figures, the $10.2 million California judgment of February 2026 over debt-collection calls (Credit One denied the allegations), federal court cases on collection calls, arbitration and credit reporting after bankruptcy, and complaints from this site's archive.

REVIEWS & COMPLAINTS292on USAComplaints · 2 in last 3 yrs
PHONE1-877-825-3242Customer Service for cardholders
WEBSITEcreditonebank.com
HEADQUARTERSLas Vegas, NV
PROFILE CHECKED2026-11-02
Submit a Complaint Read reviews & complaints ↓ Call 1-877-825-3242 Official website ↗

Contacts

Customer service & general contact

Reference numbers (not support lines)

Other contacts

VERIFIED

Locations

  • Headquarters6801 S Cimarron Rd Las Vegas NV 89113
  • Mailing addressP.O. Box 98873 Las Vegas NV 89193-8873
  • Mailing addressCredit One Bank Payment Services, P.O. Box 60500 City of Industry CA 91716-0500
  • Mailing addressAttn: Dispute Department, P.O. Box 98876 Las Vegas NV 89193-8876
EDITORIAL

Credit One Bank fees, disputes, closing a card and collection calls: contacts and steps

  • Phone. Credit card Customer Service: 1-877-825-3242 (toll-free, TTY/TDD). CDs and savings accounts: 1-877-628-1610 (toll-free, TTY/TDD). From outside the U.S.: 1-702-405-2042. Application information: 1-800-752-5493.
  • Mail. Payments: Credit One Bank Payment Services, P.O. Box 60500, City of Industry, CA 91716-0500. General correspondence: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.
  • Disputing a charge. Call Customer Service at 1-877-825-3242 or mail a signed letter to Credit One Bank, Attn: Dispute Department, P.O. Box 98876, Las Vegas, NV 89193-8876. Credit One asks for five items: your account number, the merchant's name, a detailed explanation, the date of the charge and its amount. Its FAQ says that to preserve your rights under the Fair Credit Billing Act you must notify the bank within 60 days after the potential error appeared on your statement. The Act's protections attach to a written notice that reaches the bank within 60 days after the first statement showing the error was sent, so if you call, send the letter as well, by certified mail with a return receipt. The bank must acknowledge a written billing-error notice within 30 days and resolve it within two billing cycles and no more than 90 days; while it investigates, you do not have to pay the disputed amount and the bank may not report it as late.
  • Payment missing or applied wrongly. Call Customer Service at 1-877-825-3242 and have your bank's record of the payment (date, amount, confirmation number) ready. Note the date of the call and the representative's name or reference number. Federal rules require a card issuer to credit a payment as of the day it receives it, and an issuer may not set a cut-off time earlier than 5 p.m. on the due date for mailed payments. A payment that was not credited properly counts as a billing error, so if a call does not fix it, write to the Dispute Department within 60 days of the statement that shows the problem.
  • A wrong Credit One entry on your credit report. Dispute it with each credit bureau that shows it (Equifax, Experian, TransUnion) and send copies of your proof; the bureau generally has 30 days to investigate. You can also dispute the entry with Credit One directly in writing. Keep copies of everything you send.
  • Lost or stolen card. Report it to Customer Service at 1-877-825-3242 right away. Federal law limits your liability for unauthorized use of a credit card to $50.
  • Annual fee, late fee or a fee after closing a card. Your cardholder agreement and monthly statement set the fees and what happens to them when an account is closed. Complainants often describe a fee reversal promised on a closing call and billed again later, so ask for any waiver or refund in writing and note the date and the representative's name. If the fee still appears, dispute it in writing within 60 days of the statement that shows it.
  • Collection calls. If the calls are for someone else, tell the caller it is a wrong number and also write to the general correspondence address. If the account is yours, you can tell the bank to stop autodialed or prerecorded calls to your cell phone; say so on the call and confirm it in a letter so you have a record, and keep a log of the dates and times of calls. The federal Fair Debt Collection Practices Act generally does not cover a bank collecting its own debt, but California's Rosenthal Fair Debt Collection Practices Act does, and Californians can complain to their county district attorney or the state Attorney General. Elsewhere, complain to your state attorney general and the CFPB.
  • An account you never opened. Report the identity theft at IdentityTheft.gov (Federal Trade Commission), tell Credit One's Customer Service, and dispute the account with Equifax, Experian and TransUnion.
  • If the bank does not resolve it. File with the OCC, the bank's federal regulator, at HelpWithMyBank.gov, or with the CFPB at consumerfinance.gov/complaint; both forward complaints to the bank for a response. You can also contact your state attorney general, report fraud to the FTC at ReportFraud.ftc.gov, and file a complaint with BBB.

About a settlement you may have seen advertised. Several websites in 2025 reported a '$14 million' Credit One robocall settlement paying '$1,000' to each class member. On June 17, 2025 TCPAWorld, a legal blog on telephone consumer law, noted that none of those reports named a court or case number and that no such settlement appeared on court dockets. Be cautious about any offer to apply for such a payment unless it names the court, the case number and a court-appointed settlement administrator.

EDITORIAL

Is Credit One Bank Legitimate?

Legal name
Credit One Bank, N.A.
Founded
1984
Business type
National bank and credit card issuer based in Las Vegas, Nevada, also offering CDs and savings accounts; Member FDIC
Website
creditonebank.comSource: Credit One Bank home page, checked 2026-11-02
Headquarters
Las Vegas, NVSource: Credit One Bank About Us page, corporate office, checked 2026-11-02

Credit One Bank, N.A. is a federally chartered national bank and a member of the FDIC, headquartered in Las Vegas and supervised by the Office of the Comptroller of the Currency. It has operated since 1984, first as First National Bank of Marin. BBB opened a file on the bank in 1995, has listed it as an accredited business since June 10, 2011, and rates it A+.

The problems complainants raise most often are fees, including fees billed before a card was first used, how payments were posted, fee waivers they say were promised by phone and later billed again, frequent collection calls, and accounts people say they did not open. Credit One's own FAQ asks cardholders to report a disputed charge within 60 days after it appeared on a statement. In the California collection-call case, Credit One denied the allegations and settled without admitting wrongdoing.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBBComplaints filed with BBB in the last 3 years
1,212 reviews · 1,885 complaints · BBB business grade A+ · average customer rating 1.08 / 5
TrustpilotTrustScore and all reviews on the creditonebank.com page
1,667 reviews · TrustScore 3.5 / 5
CONSUMER ALLEGATION

Reviews & Complaints on USAComplaints

292 complaints on USAComplaints, including 2 published in the last three years.

Show 15 more on this page
EDITORIAL

Complaint Themes

Fees: annual, monthly, late or processing feesClosing or cancelling an accountPayments and postingCredit reporting or collectionsFraud, identity theft or an account the writer says they never openedPhone calls or harassment

Themes summarize what people write about most often. One complaint can touch several themes, and some complaints (a positive report, or one later retracted by its author) fit none, so themes are not a count of complaints.

Had an experience with Credit One Bank? Tell other people what happened.

Submit a Complaint
EDITORIAL

Complaint record: BBB, Trustpilot and this site's archive

BBB. Credit One Bank's BBB profile (Las Vegas) shows an A+ rating and BBB accreditation since June 10, 2011. BBB lists 1,885 complaints filed in the last 3 years, 410 of them in the last 12 months. Its 1,212 customer reviews average 1.08 out of 5; BBB says customer reviews are not used to calculate its letter rating. BBB publishes complaints together with the bank's responses; each one is an individual allegation, not a finding.

Trustpilot. Trustpilot's page for creditonebank.com shows 3.5 out of 5 from 1,667 reviews. The company has not claimed the page, and Trustpilot says it does not fact-check reviews.

CFPB. Credit card complaints about Credit One can be filed with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint; the CFPB forwards each complaint to the company for a response.

This site's archive. 292 published complaint reports are linked to this profile. Most were posted between 2002 and 2013, and many of the older ones use the bank's former name, First National Bank of Marin or FNBM. The topics that come up most are fees (annual, monthly, late and processing fees), how payments were posted, phone calls about the account, closing or cancelling a card, credit reporting and collections, and accounts the writers say they never opened. These are the complainants' own accounts, not verified findings, and the older posts do not necessarily reflect the bank's current practices.

EDITORIAL

California district attorneys' debt-collection-call judgment (February 2026)

In March 2021 the Riverside County District Attorney sued Credit One Bank, N.A. in Riverside County Superior Court (case CVRI2101654). The 2026 judgment was announced by the California Debt Collection Task Force, made up of the district attorneys of Riverside, San Diego, Santa Clara and Los Angeles counties. The suit alleged that Credit One, directly and through its calling vendors, made debt-collection calls to California residents with unreasonable and excessive frequency, kept calling people who had said they no longer wanted the calls, and called wrong numbers. As reported from the complaint, the bank's policy allowed vendors to place eight calls a day on an overdue account, plus two more in some circumstances, on consecutive days.

On February 19, 2026 Judge Harold Hopp signed and entered a Stipulated Judgment. It requires Credit One to pay $10.2 million, made up of $9 million in civil penalties and $1.2 million in investigative costs, to comply with state and federal law on consumer debt-collection calls, and to maintain business practices designed to ensure that compliance. Credit One denied the allegations and did not admit wrongdoing. The money goes to the government parties; the announcement describes no claims process for individual cardholders. BBB shows the judgment under Government Actions on the bank's profile.

Who supervises the bank. As a national bank, Credit One is supervised by the Office of the Comptroller of the Currency (OCC). The OCC's Customer Assistance Group takes complaints from customers of national banks at HelpWithMyBank.gov. The CFPB also accepts credit card complaints at consumerfinance.gov/complaint. Before the 2026 judgment, Credit One asked a federal court to stop the Riverside case on the ground that only the OCC may oversee a national bank; in 2023 the Ninth Circuit upheld the federal court's refusal to step in, holding that a state enforcement suit of this kind is not oversight reserved to the OCC (see the court cases section).

EDITORIAL

Court cases involving Credit One Bank

Individual cardholders also file their own suits against the bank in federal courts; the cases below are the ones with published appeals rulings or a government judgment.

  • People v. Credit One Bank, N.A. (Riverside County Superior Court, CVRI2101654). State suit over the frequency of debt-collection calls, ended by a $10.2 million Stipulated Judgment on February 19, 2026; Credit One denied the allegations. Details are in the next section and in the case list below.
  • Credit One Bank v. Hestrin (Ninth Circuit, No. 21-56271). Credit One sued the Riverside County District Attorney in federal court to stop the state case, arguing that only the Office of the Comptroller of the Currency may oversee a national bank. On February 27, 2023 the Ninth Circuit affirmed the dismissal of the bank's suit: the federal court was right to stay out of the pending state case, and a state enforcement suit under a law that federal law does not preempt is not the kind of oversight reserved to the OCC.
  • N.L. v. Credit One Bank, N.A. (E.D. California, 2:17-cv-01512). Collection calls meant for a customer went to a number that had been reassigned to an 11-year-old boy's phone: 189 automated calls over about four months in 2017. A jury awarded $94,500 under the Telephone Consumer Protection Act ($500 per call) and $1,000 under California's Rosenthal Act, and found for the bank on an invasion-of-privacy claim. On June 3, 2020 the Ninth Circuit affirmed, holding that the consent of the customer the bank meant to reach does not cover calls that reach someone else.
  • A.D. v. Credit One Bank, N.A. (N.D. Illinois, 1:14-cv-10106). A minor who received collection calls about her mother's card debt sued under the Telephone Consumer Protection Act. On March 22, 2018 the Seventh Circuit reversed an order sending her case to arbitration, because she never signed the cardholder agreement, and returned the case to the district court.
  • Anderson v. Credit One Bank, N.A. (In re Anderson, Bankruptcy Court, S.D.N.Y.). A class claim that the bank kept reporting debts as charged off after they were discharged in bankruptcy. On March 7, 2018 the Second Circuit (No. 16-2496) held the claim could not be sent to arbitration. In 2022 the bankruptcy court certified a class of nearly 300,000 consumers and sanctioned the bank for discovery failures; in 2025 it denied the bank's motions to reconsider rulings that let the class claim go forward.
PUBLIC RECORD

Court & Public Records

People of the State of California v. Credit One Bank, N.A. (debt-collection call enforcement)

Judgment

Superior Court of California, County of RiversideDocket CVRI2101654Source ↗

Judgment entered

Civil consumer-protection suit filed in March 2021 by the Riverside County District Attorney and resolved by the California Debt Collection Task Force (the district attorneys of Riverside, San Diego, Santa Clara and Los Angeles counties), alleging that Credit One and its calling vendors made debt-collection calls with unreasonable and excessive frequency, including after consumers asked them to stop and to wrong numbers. A Stipulated Judgment entered on February 19, 2026 orders Credit One to pay $10.2 million, made up of $9 million in civil penalties and $1.2 million in investigative costs, and to comply with state and federal law on debt-collection calls. Credit One denied the allegations and did not admit wrongdoing.

A.D. v. Credit One Bank, N.A. (TCPA putative class action; arbitration appeal)

Appeal decided

U.S. District Court, N.D. Illinois; U.S. Court of Appeals, Seventh Circuit (No. 17-1486)Docket 1:14-cv-10106Source ↗

Appeal decided — see outcome

A minor, suing through her mother, brought a putative class action under the Telephone Consumer Protection Act over calls Credit One placed to her phone number to collect her mother's card debt. The district court sent the case to arbitration. On March 22, 2018 the Seventh Circuit reversed: she had not signed the cardholder agreement, so she was not bound by its arbitration clause. The case went back to the district court.

Anderson v. Credit One Bank, N.A. (In re Anderson) (discharge-injunction putative class claim)

Appeal decided

U.S. Bankruptcy Court, S.D.N.Y.; U.S. District Court, S.D.N.Y.; U.S. Court of Appeals, Second CircuitDocket 2d Cir. No. 16-2496Source ↗

Appeal decided — see outcome

Orrin Anderson, who had opened his card account in 2002 with First National Bank of Marin, alleged on behalf of himself and other debtors that the bank kept reporting debts as charged off after they were discharged in Chapter 7 bankruptcy, in violation of the discharge injunction (11 U.S.C. section 524). The bankruptcy court and the district court refused to send the claim to arbitration. On March 7, 2018 the Second Circuit affirmed, holding the claim could not be arbitrated because it goes to the bankruptcy court's power to enforce its own discharge orders; the opinion notes the bank's stipulation that it would update the credit reports of Anderson and other consumers. Back in the bankruptcy court, Judge Robert Drain in 2022 certified a class of nearly 300,000 consumers whose Credit One debts had been discharged or included in a bankruptcy and sanctioned the bank for discovery failures. In a 2025 opinion the court denied the bank's motions to reconsider, holding that it may hear the class claim for declaratory relief and that a private right of action exists for violations of section 524.

N.L. v. Credit One Bank, N.A. (TCPA and Rosenthal Act calls to a reassigned number)

Appeal decided

U.S. District Court, E.D. California; U.S. Court of Appeals, Ninth Circuit (No. 19-15399)Docket 2:17-cv-01512Source ↗

Appeal decided — see outcome

Credit One's calling vendors, trying to reach a customer who had given his number, placed 189 automated calls between February 20 and June 13, 2017 to that number after it had been reassigned to an 11-year-old boy's phone. After a three-day trial the jury found for the boy on his Telephone Consumer Protection Act claim, $500 for each call or $94,500 in total, and on his California Rosenthal Act claim, $1,000 in statutory damages; it found for Credit One on an invasion-of-privacy claim. The district court denied treble damages and awarded attorneys' fees under the Rosenthal Act. On June 3, 2020 the Ninth Circuit affirmed, holding that consent from the customer the bank intended to call does not protect it when the calls reach someone who did not consent, and in a separate memorandum upheld the fee award.

EDITORIAL

Who Credit One Bank is

Credit One Bank, N.A. is a credit card issuer with its corporate office at 6801 S Cimarron Rd, Las Vegas, Nevada. The letters N.A. (national association) mean it operates under a federal bank charter, and it is a member of the FDIC. Besides credit cards, including cash-back and points cards, it offers high-yield certificates of deposit and savings accounts. The bank says it has more than 40 million cardmembers.

History and earlier name. The company's own timeline says it was founded in July 1984 as First National Bank of Marin in northern California, moved its headquarters to Las Vegas in November 1998 and changed its name to Credit One Bank in February 2006. That is why many older complaints in this archive are filed against 'First National Bank of Marin' or 'FNBM', and some name both.

Sports sponsorships. Credit One describes itself as an official partner of the Las Vegas Raiders and as the Official Credit Card of NASCAR and of the Vegas Golden Knights. On August 13, 2026 NASCAR announced that Avant will become its exclusive partner for co-branded credit cards in the United States from January 1, 2027; Credit One said in response that it remains committed to the sport.

Not to be confused with. Credit One Bank is not Capital One; several complainants in this archive say the similar name and logo confused them. Complaints from 2008 to 2012 about businesses called 'Credit One Commerce Financial' and 'Credit One Total', which describe demands for upfront payments to get a loan or raise a credit score, are not linked to this profile because nothing in them ties those businesses to Credit One Bank, N.A.

VERIFIED

Company Relationships

  • Formerly known asFirst National Bank of Marin
CONSUMER ALLEGATION

Related Complaints

Names this company in a role other than the primary subject — not necessarily current or complete.

EDITORIAL

Frequently Asked Questions

How do I contact Credit One Bank?

Credit card Customer Service is 1-877-825-3242 (toll-free, TTY/TDD); CDs and savings accounts are 1-877-628-1610; from outside the U.S. call 1-702-405-2042. Mail payments to Credit One Bank Payment Services, P.O. Box 60500, City of Industry, CA 91716-0500, and general correspondence to Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873. Written disputes of a charge go to a separate box: Attn: Dispute Department, P.O. Box 98876, Las Vegas, NV 89193-8876.

How long do I have to dispute a Credit One charge?

Sixty days. Credit One's FAQ says that to preserve your rights under the Fair Credit Billing Act you must notify the bank within 60 days after the potential error appeared on your statement. The law's protections rest on a written notice, so even if you call, mail a signed letter to Credit One Bank, Attn: Dispute Department, P.O. Box 98876, Las Vegas, NV 89193-8876 with your account number, the merchant's name, a detailed explanation, the date of the charge and the amount. The bank must acknowledge it within 30 days and resolve it within two billing cycles, and no more than 90 days.

What was the 2026 California judgment against Credit One?

The Riverside County District Attorney sued Credit One Bank, N.A. in Riverside County Superior Court in March 2021 (case CVRI2101654), and the judgment was reached with the California Debt Collection Task Force, which also includes the district attorneys of San Diego, Santa Clara and Los Angeles counties. The suit alleged excessive and unwanted debt-collection calls to California residents, including calls to people who had asked them to stop and to wrong numbers. A Stipulated Judgment entered on February 19, 2026 requires the bank to pay $10.2 million ($9 million in civil penalties and $1.2 million in investigative costs) and to follow state and federal law on collection calls. Credit One denied the allegations and did not admit wrongdoing; the money goes to the government parties, not to individual cardholders.

Is there a $14 million Credit One robocall settlement paying $1,000?

None that can be traced to a court. On June 17, 2025 TCPAWorld, a legal blog on telephone consumer law, noted that the websites reporting a $14 million Credit One robocall settlement named no court or case number and that no such settlement appeared on court dockets. The real 2026 payment is the $10.2 million California judgment over collection calls, which goes to the government parties and has no claims process for cardholders.

Will Credit One refund an annual fee if I close my card?

Your cardholder agreement and monthly statement set the annual fee and what happens to it when you close the account, so check those first. Complainants often describe a fee reversal promised on a closing call that was billed again later. Ask for any refund or waiver in writing, note the date and the representative's name, and if the fee still appears, dispute it in writing to Credit One Bank, Attn: Dispute Department, P.O. Box 98876, Las Vegas, NV 89193-8876 within 60 days of the statement that shows it.

Is Credit One Bank the same as Capital One?

They are different, unrelated banks. Credit One Bank, N.A. is based in Las Vegas, Nevada, and began in 1984 as First National Bank of Marin; Capital One is a separate company based in Virginia. Several complainants in this site's archive say they applied for a Credit One card believing it came from Capital One because the names and logos look alike, so check the issuer's name on any mailed offer before you apply.

What does BBB show for Credit One Bank?

BBB gives Credit One Bank an A+ rating and lists it as a BBB Accredited Business since June 10, 2011. The profile shows 1,885 complaints filed in the last 3 years, 410 of them in the last 12 months, and 1,212 customer reviews averaging 1.08 out of 5. It also lists the 2026 California collection-call judgment under Government Actions.

Where can I file a complaint about Credit One Bank?

Start with Credit One: Customer Service at 1-877-825-3242, or a signed letter to the Dispute Department for a billing error. If that does not resolve it, file with the Office of the Comptroller of the Currency, which supervises national banks such as Credit One, at HelpWithMyBank.gov, or with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint. Both forward complaints to the bank for a response. Your state attorney general and BBB also accept complaints.