Total CFPB complaints
21
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 21 complaints
Credit One LLC — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit One LLC
- Written notification about debt
Written notification about debt
6 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
4 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
C
Grade C · 63.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Credit One LLC?
Credit One LLC has accumulated 21 total CFPB complaints across 11 states, with 1 filed in the most recent 12 months against 20 historical complaints before that window. The trailing-12-month volume represents 4.8% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 40% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 11 states, led by Florida with 9 and Maryland with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.5/100 places Credit One LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
4.8% of total history
Rising ↑
States active
11
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
40%
After company response
Reputation grade
C
63.5/100 composite
Response-quality profile
How Credit One LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 80.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit One LLC compare to its peers?
Credit One LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2013-10 2026-02
Top Consumer Issues
Written notification about debt6 (%)
Attempts to collect debt not owed4 (%)
Cont'd attempts collect debt not owed4 (%)
Took or threatened to take negative or legal action2 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
Where do complaints against Credit One LLC come from?
The states where consumers have filed the most CFPB complaints against Credit One LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit One LLC
Across 11 states with at least one filing
- Florida
Florida
9 complaints
- Maryland 2
Maryland
2 complaints
- Illinois 2
Illinois
2 complaints
- Louisiana 1
Louisiana
1 complaints
- Iowa 1
Iowa
1 complaints
- Tennessee 1
Tennessee
1 complaints
- Georgia 1
Georgia
1 complaints
- Rhode Island 1
Rhode Island
1 complaints
Frequently Asked Questions
What is the most common complaint against Credit One LLC? ▼
The most common issue consumers report about Credit One LLC is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 21 complaints filed with the CFPB.
Are complaints against Credit One LLC increasing or decreasing? ▼
Complaints against Credit One LLC are rising. The company received 1 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). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 11 states, with the most complaints from Florida (9 complaints).
What can I do if Credit One LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Credit One LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |