What is the most common complaint against Credit One LLC?

The most common issue consumers report about Credit One LLC is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 30 complaints filed with the CFPB.

Are complaints against Credit One LLC increasing or decreasing?

Complaints against Credit One LLC are rising. The company received 10 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Credit One LLC's reputation grade?

Credit One LLC has a reputation grade of C (score: 58.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit One LLC respond to consumer complaints?

Credit One LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 40% of cases.

In how many states does Credit One LLC operate?

Credit One LLC has received CFPB complaints from consumers in 14 states, with the most complaints from Florida (12 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Credit One LLC - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

11
Written notification about debt

6
Cont'd attempts collect debt not owed

4
Took or threatened to take negative or legal action

3
False statements or representation

2
Communication tactics

2

Data updated September 2026

CFPB complaint disposition

CCDB record credit-one-llc Credit One LLC

Grade C · 30 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1533 · compose #2606

VOL 30
GRADE C
12MO 10
STATES 14
TIMELY 100%
DISPUTE 40%
ISSUE Attempts to collect debt n…
RANK #1,533
COMPOSE #2,606

Volume peers

Nearest volume peer: Atlantic Collection Agency, Inc. (30 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit One LLC's 30 CFPB complaints sit next to Atlantic Collection Agency, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

40.0% of Credit One LLC's CFPB filings land in Florida

High volume does not equal a clean composite: Credit One LLC is volume #1,533 but composite #2,606, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 40.0%; 12 of 30 filings · 14 states touched
Seasonal peak: 2013-09 12.5%; 8–15% band · 2 filings
Divergent corpus ranks: #1,533 volume; #2,606 composite; Cleanest-composite ladder is 1,073 places worse than volume

How does Credit One LLC compare to its peers?

How does Credit One LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Credit One LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

92%

91%

Consumer-dispute ratelower is better

40%

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-09 2018-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	11
Written notification about debt	6
Cont'd attempts collect debt not owed	4
Took or threatened to take negative or legal action	3
False statements or representation	2
Communication tactics	2
Disclosure verification of debt	1
Threatened to contact someone or share information improperly	1

Where do complaints against Credit One LLC come from?

Credit One LLC's own per-state count, not a national baseline.

Florida

12
Texas

3
Illinois

2
Maryland

2
New York

2
Alabama

1
Georgia

1
Iowa

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit One LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 30.

4 peers

Know your rights before responding to Credit One LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.