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

CFPB complaint data Grade C 30 complaints

Credit One LLC - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade C.

Complaints by issue type

What consumers report about Credit One LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 63.5/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Credit One LLC ranks ahead of 54% of the 5,283 collectors PlainCollector grades - 46% keep a cleaner CFPB record, on 30 all-time complaints and a 100% timely-response rate.

54th pct
reputation rank of 5,283 graded collectors
30
CFPB complaints, all-time
100%
answered inside the CFPB window
10
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Credit One LLC?

Credit One LLC has accumulated 30 total CFPB complaints across 14 states, with 10 filed in the most recent 12 months against 20 historical complaints before that window. The trailing-12-month volume represents 33.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Didn't receive enough information to verify debt". The company posts a 100% timely-response rate against a 40% consumer-dispute-after-response rate.

Complaints have been recorded across 14 states, led by Florida with 12 and Texas with 3. Normalized against the full CFPB collector database, the reputation score of 63.5/100 places Credit One LLC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

30

low-volume (CCDB)

Last 12 months

10

33.3% of all-time complaints

Rising ↑

States active

14

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

40%

high (vertical avg ~19%)

Reputation grade

C

63.5/100 composite

How does Credit One LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

64 54th percentile higher than 54% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Credit One LLC versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 40.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 25.0%

Share of US states + territories with at least one filed complaint against this collector.

How does Credit One LLC compare to its peers?

How does Credit One LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Credit One LLC National average
Complaints (last 12 mo)lower is better
10
8
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 Sub-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.

Top states by complaints against Credit One LLC

Across 14 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Credit One LLC contacts you

A grade of C signals how Credit One LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Credit One LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Credit One LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 63.5/100), 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).

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

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.