Credit One Bank, N.A.

Do you think Credit One Bank, N.A. is not playing fair? You have rights under the law and we can help you at no cost to you. UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business.


If Credit One Bank, N.A. violated the law, you may be entitled to money damages and Credit One Bank, N.A. will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 312-300-5996 for a free consultation.

What is Credit One Bank, N.A.?

Credit One Bank, N.A. was founded in 1984, offering financial services. It carries a range of credit card products and is the official credit card of NASCAR, Best Friends Animal Society, the Las Vegas Raiders, and the Vegas Golden Knights. 

Credit One Bank, N.A. is a member of FDIC claims with over 10 million customers. The bank is also chartered by the Office of the Comptroller of the Currency. 

Credit One Bank, N.A. Address, Phone Number, and Contact Information

Corporate Office
585 Pilot Road
Las Vegas, NV 89119 

+1 877-825-3242 (Automated Account Information)
Lines Open 24/7

Late Fee Charges

Many of Credit One Bank, N.A.’s customers claimed being charged for late fees despite filing for disputes long ago. Others also reported receiving late fee charges months after closing their accounts with the bank. Some had their debts sent into collection despite applying for a debt management plan. 

Unsympathetic to Consumers

With the mass unemployment and health emergency Covid-19 has brought, Credit One Bank, N.A. has remained inflexible with its debt collection activities. Consumers reported failing to meet payments but trying to work out new payment plans with Credit One Bank, N.A. to no avail. Apparently, the bank refuses to provide its clients the leniency they need during trying times. 

Billing Issues/Fraudulent Charges

Another recurring complaint against Credit One Bank, N.A. is with their gross billing inaccuracies. Many of its consumers were troubled with the erroneous records the bank had and the subsequent actions the bank took despite their mistakes. There were reports of late charges well after the accounts were closed and unauthorized charges that were never accounted for. The latter has led many to believe compromised the security of their finances as well as other sensitive information. 

Late Notifications

Ironic as it may be, most complaints that led to the bank sending debts to collection and reporting to credit bureaus is rooted in the bank’s negligent billing records. Some of the complainants narrated receiving notices of failed payments months after thinking that they've successfully paid off their accounts. Others reported never receiving any notice only to get a nasty blow in the form of lowered credit scores or account terminations. 

Poor Customer Service

Credit One Bank, N.A. had failed in delivering the services up to its customers and even legal standards. Many of its consumers were met with an iron fist instead of empathy, especially with the pandemic. Others failed to connect with a helpful representative to begin with, ultimately preventing any resolution for their issues.

Unfortunately, late charges, inflexible leniency, fraudulent charges complaints are just the beginning for Credit One Bank, N.A. The bank’s customers are left wondering what options they have regarding their consumer rights.

We Fix Complaints When Customer Service Won’t

Has Credit One Bank, N.A. used misleading sales tactics? Have you received poor service? Do you have complaints with billing? Do you want customer service at Credit One Bank, N.A. to listen?

A lot of Credit One Bank, N.A. Corporation customers aren’t happy with their service and the Better Business Bureau lists 1,302 customer complaints against the company in the past three years, including complaints for billing and collections practices, problems with a service/product, advertising and sales, among others.  

If your complaints haven’t been heard, we can help. At Agruss Law Firm, LLC we help customers who have been mistreated by big companies--much like Credit One Bank, N.A.--and we turn your complaints into resolutions!

We’ll not only file your legal demands with Credit One Bank, N.A., we’ll negotiate with the company. If your claim isn’t resolved through these negotiations, we’ll work through the legal process that is outlined in your Credit One Bank, N.A. contract, which is typically arbitration. 

Agruss Law Firm, LLC gets results--including zero balances, refunds, and other compensation. 

Here’s How to Make Big Companies Listen

It can be frustrating when you rely on a service and don’t get the results you’ve paid for. Big companies make mistakes every day and not only is it their fault, it can cost you money, time, and leave you with big headaches. 

Have you tried calling Credit One Bank, N.A. to address an issue, only to be told that the representative has no authority to do so? Or maybe you’ve tried talking to someone higher up in the company, only to be ignored, dismissed, or they take too long, continuing to waste your precious time. Maybe you’ve sent an email to the company which only resulted in a prefabricated response or they never follow through with what they’ve promised. 

When you’re limited in your choices for service providers or you’re locked into a contract, what can you do?

Fortunately, you do have options. 

Use Arbitration to Settle Your Complaint

Most companies like Credit One Bank, N.A. have an arbitration clause in their contracts to prevent being taken to court for traditional litigation. This is actually an advantage for the consumer. When you request an arbitration hearing, an independent third-party (the arbitrator) with knowledge of the type of situation involved will listen to the facts from both sides and make an impartial, binding decision. Credit One Bank, N.A. will have to do a lot of work and there is no guarantee that they will have a successful outcome. 

Arbitration is Fast, Inexpensive, and Private

Arbitration with Credit One Bank, N.A. is conducted through the American Arbitration Association (AAA). According to the AAA Consumer Due Process Protocol, arbitration through AAA will comply with their Statement of Principles, which includes:

  • The process is fundamentally fair - All parties are entitled to qualified, competent, impartial arbitrators who will conduct a fair hearing.
  • You get access to all relevant information - This includes reasonable costs, confidentiality, reasonable time limits, and meeting times and/or locations that are agreeable to both parties.
  • Transparency - AAA provides clear arbitration agreements and the ability for each side to hire their own representation.
  • Just process - Arbitration allows the arbitrator to award the same relief as traditional litigation in a binding decision. 
  • Alternative to arbitration - Mediation and the ability to take the case to small claims court should be available in some cases.

Arbitration Gives you Control and Leverage

When Credit One Bank, N.A. is alerted that you plan to pursue arbitration, they know it will cost them money out of pocket. Not only do they run the risk of losing the case, but they will also pay for their mistake(s) and the arbitration itself. This gives you more leverage with your demands. 

If Credit One Bank, N.A. doesn’t meet those demands and you have a real complaint, Agruss Law Firm, LLC can help by representing you in arbitration where you will get a fair, just, and transparent hearing.

Control and Leverage Triggers Faster Settlements

Large companies like Credit One Bank, N.A. don’t like the uncertainty and loss of control that comes with arbitration. Not only do they lose the advantage in the situation, but you’re also on equal footing with them in the eyes of arbitration. 

The first step in taking on Credit One Bank, N.A. is to formally raise your complaint. The lawyers at Agruss Law Firm, LLC can help you to do so. We will send a letter of demands to the corporate offices of Credit One Bank, N.A., letting them know that you’re ready to begin arbitration if a satisfactory resolution is not achieved. Typically, this is 30 days, but it will depend on your specific contract with Credit One Bank, N.A.. 

Approximately 50% of cases will settle before proceeding to an arbitration hearing during this time. However, if Credit One Bank, N.A. doesn’t offer a reasonable settlement within the appropriate time frame, the next step would be filing a case with AAA. Agruss Law Firm, LLC will not only put together the necessary paperwork for arbitration, but we will also help you take the next steps in the arbitration process. 

UDAAP and Arbitration

UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. This includes misrepresentation, deception, false advertising, or false promises. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

UDAAP laws are regulated by two organizations, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). The FTC expanded the initial UDAAP laws in 2004 to include unfair and deceptive acts and practices. Some standards for unfairness, in particular, include if it causes or is likely to cause substantial injury to consumers, the injury is not reasonably avoidable by consumers, and the injury is not outweighed by countervailing benefits to consumers or to competition.

Every state has UDAAP laws, which can vary widely. However, the lawyers at Agruss Law Firm, LLC understand these laws and can use them to get compensation for deceptive practices, representing consumers throughout the country in cases of arbitration at no cost to them. The company will not only pay the consumer, but they will also pay my fees as well. The consumer will never pay me a cent.

If you’re dealing with an issue with Credit One Bank, N.A., you might try filing a complaint with the BBB or the customer service team with Credit One Bank, N.A.. Unfortunately, these avenues won’t always lead to a successful resolution for you, the customer. Instead, you may want to consider an experienced arbitration lawyer to take on your case. 

Arbitration is a very useful tool for resolving disputes, and Agruss Law Firm, LLC can help. With our expert guidance, we bring the big companies to the table and provide the support needed to get your bills corrected, credit reports fixed, improper fees refunded, and more. Let us pick up the sword for you; you have nothing to lose.

How Do I File a Complaint Against Credit One Bank, N.A.?

We will use your state’s UDAAP law to file a complaint in Arbitration on your behalf at no cost to you. UDAAP laws include misrepresentation, deception, false advertising, or false promises. Under your state’s UDAAP law, you are likely entitled to money damages for your actual damages.  Plus, the other side will pay our fees and costs.  You will not pay us a penny.  These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

People, First

We are proud to serve consumers in arbitration cases. We see you as a person, not just a client – and that makes us better at the work we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Agruss Law Firm, we put People, First.

Share Your Complaints Below Against Credit One Bank, N.A.

We encourage you to post your complaints about Credit One Bank, N.A. Sharing your complaints against this big company can help other consumers understand what to do when they have problems with this company. Sharing your experience may help someone else!

We are listening

We will respond to you at lightning speed.
All of your information will be kept confidential.

Submitted Complaints

Credit one bank has refused to work with me on my bill and the customer service people were so rude and just completely unhelpful to me and literally just wouldn't listen to me about unauthorized charges i had on my credit card especially because i hadnt even used the card once yet and then my entire $300 balance was used up just like that and not to mention so i paid $75.00 so the bill would be paid but they took my money and never put it toward my bill so then i had even more late charges. Its absolutely ridiculous. Ive told them that with covid i just needed a little bit more time to pay the bill even though they were unauthorized charges but they just didnt seem to give a crap at all whatsoever.