Credit One Bank Credit Report Errors

The Kim Law Firm represents consumers whose Credit One Bank credit-card account is being reported inaccurately to the credit bureaus. If Credit One Bank is reporting a balance you already paid, a charge-off with the wrong dates, late payments that were not late, or an account that is not even yours, the Fair Credit Reporting Act gives you the right to force a correction and to recover money for the harm a false tradeline causes. This page explains who Credit One Bank is, how to reach it, and what to do if the account on your credit report is wrong.

Who is Credit One Bank?

Credit One Bank, N.A. is a Las Vegas, Nevada issuer of subprime credit cards. It is a separate company from Capital One, though its name and card designs are frequently confused with it. Credit One reports your account, including the balance, payments, fees, and any charge-off, to the credit bureaus every month.

Is Credit One Bank reporting your credit card incorrectly?

Because Credit One Bank reports your account to Equifax, Experian, and TransUnion every month, an error on its tradeline can drag your score down for years. The most common inaccuracies we see on credit-card accounts include:

• A balance you already paid or settled. The account was paid, settled, or discharged in bankruptcy, but Credit One Bank still reports a balance or past-due amount.
• A charge-off with the wrong dates. An incorrect date of first delinquency, or an account re-aged so it stays on your report longer than the seven years the law allows.
• It is not your account (identity theft). Subprime and store cards are common identity-theft targets; a Credit One Bank account you never opened can be a sign of fraud, and you should not have to pay it.
• Late payments that were not late. Payments reported 30, 60, or 90 days late when they were actually made on time.
• Duplicate reporting. The same account reported twice, or reported by both Credit One Bank and a debt collector at the same time.

Each of these is a potential violation of the Fair Credit Reporting Act (FCRA), which can entitle you to have the item corrected or deleted and to recover damages, often at no cost to you.

How to contact Credit One Bank

Credit One Bank is based in Las Vegas, Nevada, and its payments and written correspondence use Las Vegas P.O. boxes printed on your statement (website: creditonebank.com). Confirm the exact dispute or payment address on your most recent statement before mailing, and send any written dispute by mail so you keep proof.

Credit One Bank and consumer-protection law

Credit One agreed to a $10 million class-action settlement over its debt-collection and automated-call practices, and it is a frequent target of Telephone Consumer Protection Act and Fair Credit Reporting Act litigation. Sources: American Banker and court settlement records; consumer disputes also appear in the CFPB Consumer Complaint Database. If a Credit One account on your report is inaccurate, such as a wrong balance, a charge-off error, or not your account, you can force a correction.

How to dispute and remove an inaccurate Credit One Bank account

• Dispute the tradeline in writing with each credit bureau (Equifax, Experian, TransUnion) and directly with Credit One Bank under the FCRA, identifying every inaccuracy such as a wrong balance, wrong dates, late marks, or not your account.
• Check the date of first delinquency. If the account was re-aged or is being reported past the seven-year limit, say so specifically.
• If the account resulted from identity theft, create a report at IdentityTheft.gov and submit it with your dispute so the account can be blocked.
• Keep copies of everything. If Credit One Bank or the bureau verifies an item you have shown to be false, that failure to investigate is itself an FCRA claim.

Who we can help and who we can not

We represent consumers whose Credit One Bank account is being reported incorrectly — a balance you already paid, a charge-off reported wrong, late marks that are not accurate, or an account that is not yours because of identity theft or a mixed file. That is the kind of Fair Credit Reporting Act problem we handle. We are not the right firm if you simply want out of a credit-card balance you genuinely owe, or want help negotiating a legitimate debt. Our focus is fixing inaccurate reporting and recovering damages for the harm it causes.

How The Kim Law Firm helps

If you disputed a Credit One Bank account and it was not fixed, or the damage is already done, we can help. Under the FCRA, Credit One Bank and the credit bureaus must genuinely investigate your dispute; when they rubber-stamp an error instead, they can be held accountable for actual damages, statutory damages, and your attorney's fees. The FCRA lets us recover our fees from the company that broke the law, so your case review is free and we work on a no-fee-unless-we-win basis. Start your free case review or call 855-996-6342 today.

Dealing with a different company? See our creditors & lenders resource page, or our pages on Comenity Bank and Synchrony Bank.

Names that look like other names

Credit One Bank is a Las Vegas issuer serving consumers with limited or damaged credit, and it is an entirely separate company from Capital One despite the similarity that generates constant confusion. The overlap is not only in the minds of consumers. Disputes get addressed to the wrong company, payments get sent to the wrong servicer, and a report reviewed quickly can leave someone convinced they have an account they never opened, or convinced an account they did open belongs to somebody else. Getting the entity right is the first step in every dispute involving either name.

• Capital One — the unrelated issuer whose name is most often mistaken for this one.
• Merrick Bank — a Utah issuer serving a comparable segment of the market.
• Indigo — a subprime brand issued through partner banks rather than its own charter.
• Milestone — another card aimed at the same borrowers through a servicer arrangement.
• Mission Lane — a pre-approval card whose reported name is often unfamiliar.

Confirm which company is actually on the tradeline before disputing, and use the account number and open date rather than the brand name when you write. A dispute sent to the wrong issuer is answered by a company with no records of the account, and the response can look like verification when nothing was verified at all. Where a report shows both names for what should be one account, that duplication needs its own dispute.

Frequently asked questions about Credit One Bank

Can I get Credit One Bank removed from my credit report? If the tradeline is inaccurate, such as a wrong balance, wrong dates, late marks that are not accurate, or not your account, you can dispute it with all three bureaus and directly with Credit One Bank under the FCRA. Anything that cannot be verified must be corrected or deleted.

Credit One Bank is reporting a charge-off. Can that be fixed? If the charge-off is inaccurate, such as a wrong amount, wrong dates, already paid or settled, or not your account, yes. Even an accurate charge-off must be reported correctly and must fall off after seven years from the original delinquency.

The account is not mine. If a Credit One Bank account appears because of identity theft or a mixed file, do not pay it; dispute it, and if it is not corrected our attorneys can pursue the bureaus and Credit One Bank under the FCRA.

What does it cost to have my case reviewed? Nothing. The FCRA shifts attorney's fees to the company that broke the law, so we offer a free case review and work on a no-fee-unless-we-win basis.

Credit One Bank phone numbers, mailing addresses and dispute department

Credit One Bank publishes a different post office box for disputes than it does for general mail, and a different one again for payments. Sending a dispute to the wrong box is the most common reason a Credit One dispute goes nowhere. Everything below comes from Credit One's own help pages.

Where to send a Credit One dispute

• Dispute Department: Credit One Bank, Attn: Dispute Department, P.O. Box 98876, Las Vegas, NV 89193-8876. This is the box Credit One publishes for disputes, and the "Attn: Dispute Department" line is part of the address, not an optional courtesy.
• General correspondence: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.
• Deposit-related correspondence: ATTN: Deposits, Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.
• Payments: Credit One Bank Payment Services, P.O. Box 60500, City of Industry, CA 91716-0500.

The two Las Vegas boxes differ by three digits — 98876 for disputes, 98873 for everything else — which is easy to transpose and worth checking twice before the envelope goes out.

Disputing a charge is not the same as disputing what is on your credit report

These are two separate processes and they are governed by two different statutes. Disputing a charge on a statement — a transaction you did not make, a duplicate, a wrong amount — is a billing dispute under the Fair Credit Billing Act, and the Dispute Department box in Las Vegas is where Credit One directs it.

Disputing what Credit One reports about the account — a balance, a payment status, an opening date, a late payment that was not late — is a credit reporting dispute under the Fair Credit Reporting Act. Here the routing rule is different, and it is the single most important thing on this page. A furnisher's obligation to investigate is triggered when the dispute reaches it from a credit bureau, not when it arrives in the mail from you directly.

Writing to the Dispute Department is worth doing — it creates a dated record that Credit One was told the information was wrong — but on its own it does not start the investigation the statute requires. Dispute in writing with Equifax, Experian and TransUnion, send a copy to P.O. Box 98876, and keep proof of both mailings.

When Credit One reports to the credit bureaus

This is what people search for most about Credit One, and the honest answer has two parts. Furnishers generally report on a monthly cycle tied to the account's statement date rather than to a fixed calendar day, so the date varies by account. The balance the bureaus see is normally the balance as of the statement close, which means paying the card down after the statement cuts will not change what was already reported for that month — it changes what gets reported the following month.

The part that carries legal weight is different. The Fair Credit Reporting Act does not require Credit One to report to the bureaus on any particular schedule, or at all. What it requires is that whatever Credit One does report be accurate, and that inaccuracies be corrected once Credit One receives the dispute through a bureau. So a slow update is generally not, by itself, a violation. A balance that is wrong, a payment marked late that was paid on time, an account still showing open after it was closed, or a balance still reporting after it was paid or settled — those are accuracy problems, and those are actionable.

Late payments and what actually reaches the bureaus

A late fee and a late payment on a credit report are different events. A fee can be assessed as soon as a payment misses its due date. A late payment is generally not reported to the credit bureaus until the account is 30 days past due, and the distinction matters because a payment that was a few days late may cost a fee without ever appearing on the report.

If a 30-day late appears for a month you paid on time, that is a reporting accuracy problem, and the proof is usually in the payment confirmation and the bank statement showing when the funds left your account. Dispute it with the bureaus, send Credit One its own copy at the Dispute Department box, and keep everything.

Phone numbers Credit One publishes

• Customer service: 877-825-3242, also written 1-877-825-3242, (877) 825-3242 or 8778253242. Credit One publishes this as its toll-free line and also as its TTY/TDD line.
• From outside the United States: 702-405-2042, also written (702) 405-2042 or 7024052042. The 702 area code is Las Vegas, which matches the mailing addresses above.
• Applications: 800-752-5493, also written (800) 752-5493 or 8007525493.

Two City of Industry payment boxes that are not the same

Credit One's payment box is P.O. Box 60500, City of Industry, CA 91716-0500. Barclays Bank Delaware publishes P.O. Box 60517 in the same city. Both are real, both belong to the bank each is listed under, and neither is evidence of anything wrong. A payment lockbox facility serves many issuers, so two unrelated banks sharing a city on a remittance envelope is ordinary. Use the box printed on your own statement.

Numbers and addresses that are not on this list

Card issuers use outbound calling vendors and short-code messaging services, so a legitimate call or text about a Credit One account can come from a number that appears nowhere on Credit One's own site. An unlisted number is not proof of a scam, and a number that matches this list is not proof the caller is genuine — caller ID is trivially spoofed. If you want to be certain, hang up and call the number printed on your statement or listed above.

There is a different problem worth separating out. If a Credit One entry appears on a report when you never applied for the card, the question is not whether a caller is real — it is that an application may have been submitted in your name. A hard inquiry generally stays on a credit report for two years, and the Fair Credit Reporting Act permits a consumer report to be obtained only for a permissible purpose.

To check what you are actually looking at:

• Pull all three reports at AnnualCreditReport.com and compare the Credit One entry across them. An account opened without your authorization frequently appears on one bureau before the others.
• Check the reported balance and status against your own statements and payment confirmations, month by month, rather than only looking at the current line.
• Dispute with the credit bureaus in writing, and send a copy to Credit One Bank, Attn: Dispute Department, P.O. Box 98876, Las Vegas, NV 89193-8876.
• Keep the dispute letters, the bureau responses and the envelopes. The paper trail is what establishes what the furnisher knew and when.

An account opened in your name without your authorization is an identity theft problem on your credit report, and the Fair Credit Reporting Act provides rights against both the furnisher and the bureaus that continue reporting it after a dispute.

Credit One Bank contact and reporting questions people ask

When does Credit One Bank report to the credit bureaus?

Furnishers generally report on a monthly cycle tied to the account's statement date rather than to a fixed calendar day, so the date varies by account, and the balance the bureaus see is normally the balance as of the statement close. Paying the card down after the statement cuts changes what gets reported the following month, not what was already reported. The Fair Credit Reporting Act does not require Credit One to report on any particular schedule, but it does require that what is reported be accurate, so a wrong balance, a late payment that was paid on time, or a balance still reporting after the account was paid or settled is an accuracy problem.

Where do I send a Credit One Bank dispute?

Credit One publishes Credit One Bank, Attn: Dispute Department, P.O. Box 98876, Las Vegas, NV 89193-8876 for disputes, and a separate box at P.O. Box 98873, Las Vegas, NV 89193-8873 for general correspondence. The two boxes differ by three digits and are easy to transpose. Payments go somewhere else entirely, to Credit One Bank Payment Services, P.O. Box 60500, City of Industry, CA 91716-0500.

Is disputing a Credit One charge the same as disputing my credit report?

No. Disputing a charge on a statement is a billing dispute under the Fair Credit Billing Act, and Credit One directs it to the Dispute Department box in Las Vegas. Disputing what Credit One reports about the account is a credit reporting dispute under the Fair Credit Reporting Act, and a furnisher's duty to investigate is triggered when the dispute reaches it from a credit bureau rather than from you directly. Dispute with Equifax, Experian and TransUnion, send Credit One its own copy at P.O. Box 98876, and keep proof of both.

When does a Credit One late payment show up on a credit report?

A late fee and a reported late payment are different events. A fee can be assessed as soon as a payment misses its due date, but a late payment is generally not reported to the credit bureaus until the account is 30 days past due. If a 30-day late appears for a month you paid on time, that is a reporting accuracy problem, and the proof is usually the payment confirmation and the bank statement showing when the funds left your account.

What phone number does Credit One Bank use?

Credit One publishes 877-825-3242, also written 1-877-825-3242, (877) 825-3242 or 8778253242, as its toll-free customer service and TTY/TDD line. It publishes 702-405-2042 for calls from outside the United States, and 800-752-5493 for applications. Because card issuers use outbound calling vendors, a legitimate call about a Credit One account can still come from a number that appears nowhere on this list.