CFPB Consumer Complaint Profile
Credit One LLC
Behind the 25 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 25
- Total complaints
- Mid-range
- 1
- Last 12 months
- 96%
- Timely response
- Below median
- 12
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Credit One LLC sits at #2586, with 25 complaints logged. It posts a 96% on-time response rate, the 34th percentile among companies with 100+ complaints.
- #2586
- of 3,843 companies by volume
- 96%
- on time (34th pctile)
- Debt collection
- most-complained product
- 12
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Credit One LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96% Around the middle higher than 34% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 1 |
| 2015 | 2 |
| 2016 | 1 |
| 2017 | 3 |
| 2018 | 2 |
| 2019 | 1 |
| 2020 | 3 |
| 2021 | 6 |
| 2022 | 1 |
| 2023 | 2 |
| 2024 | 1 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credit One LLC
Credit One LLC carries 25 complaints in the CFPB's database, 1 of them filed within the past 12 months. Consumers spanning 12 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Credit One LLC's timely response rate stands at 96%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 33.3% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Credit One LLC have?
The CFPB has logged 25 complaints against Credit One LLC to date, of which 1 came in over the last 12 months.
Does Credit One LLC respond to complaints on time?
Credit One LLC's CFPB timely-response rate is 96%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Credit One LLC?
Among all products tied to Credit One LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Credit One LLC?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Credit One LLC - see all issues and counts above.
How do I file a complaint against Credit One LLC?
You can file a complaint against Credit One LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Credit One LLC?
Credit One LLC has drawn CFPB complaints from 12 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Credit One LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (33.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.