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Credit One Bank Accused of Violating Consumer Protection Laws

Posted by Paul Mankin | Sep 10, 2019 | 0 Comments

Credit One Bank is not a stranger to complaints and even class action lawsuits regarding its abusive collection practices. The nationally chartered bank, headquartered in Las Vegas, Nevada has been accused of violating both the federal Telephone Consumer Protection Act (TCPA) and California's Rosenthal Fair Debt Collection Practices Act (RFDCPA) by repeatedly calling consumers while attempting to collect on a debt, calling consumers it knows are not the person that owes the debt, and by using automated dialers to attempt to collect on debts.

Consumers allege they were called up to twelve times a day and up to 2000 times in total.

Lawsuits Against Credit One Bank

In 2014 a class action lawsuit was filed against Credit One Bank in federal court in Chicago. The suit was filed by a minor child who alleged that the bank repeatedly called her cell phone for debt that her mother owed on a credit card where she was neither listed as a joint owner or an authorized user. According to the complaint, Credit One Bank made more than 1.3 billion phone calls to consumers from July 2015 through November 2015. It alleges that the bank called 144,000 people more than 500 times per person.

A 2015 law suit filed in federal court in West Virginia alleges that Credit One Bank repeatedly called the plaintiff using an auto dialer and continued placing calls to her phone after being told at least three times to stop calling. All of the calls were made in an attempt to collect on a debt the bank believed she owed to it.

California residents filed a class action suit against Credit One Bank in 2016 for violations of the TCPA and the RFDCPA. As in previous suits, the plaintiffs in this one alleged that the bank harassed them by repeatedly calling their telephones in an attempt to collect on a debt.

In another 2016 lawsuit a California resident claimed that Credit One Bank called her cell phone continuously attempting to collect a debt owed by someone she did not know. The plaintiff alleges that she repeatedly told the callers that she did not know the person they were trying to contact, but the calls continued despite the bank knowing she was not the person it was trying to reach.

A 2018 lawsuit filed against Credit One Bank in Florida alleges that the bank called his cell phone after being asked repeatedly, and once in writing, to stop calling, and by using an automated dialer to call him, in violation of the TCPA.

Complaints Against Credit One Bank

The Better Business Bureau (BBB) reports over 1200 complaints filed with it against Credit One Bank since 2015. These complaints allege that the bank has:

  • Reported false information to the credit reporting agencies
  • Misapplied payments it received
  • Failed to remove fraudulent charges from consumers' credit cards
  • Charged fees that the consumer did not agree to and not listed in the original agreement
  • Purposely posted on time payments late in order to collect late fees
  • Refused to close consumers' accounts or allow them to make payments until they provided several forms of identification
  • Intentionally made it difficult for consumers to make payments online and then charged $9.95 to take a payment over the phone

Some of the reported practices of this bank may violate the RFDCPA, TCPA, or other federal or state laws

If Credit One Bank is repeatedly calling you in order to collect a debt or has reported false information to the credit reporting agencies, feel free to contact our office at 1-800-219-3577, for a free, no obligation consultation. 

About the Author

Paul Mankin

Paul Mankin Attorney Location: California Phone: 800-654-9517 Fax: 323-207-3885 Email: Email Me Areas of Practice Debt Collection Defense

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