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Is Credit One Bank Calling or Harassing You?

Credit One Bank

Credit One Bank (Credit One) provides credit cards to individuals with less than perfect credit. Credit One was founded in 1984 and is headquartered in Las Vegas, Nevada.

According to the Better Business Bureau, there have been 1,262 complaints filed against Credit One in the last three (3) years. Of those 1,262 complaints, more than half have been related to billing and collections issues. These complaints range from attempting to collect a debt owed by another consumer to threatening to file a lawsuit if payment is not made.

In 2016, a consumer filed a lawsuit against Credit One for making harassing and repeated phone calls. The consumer received over 3,000 phone calls from Credit One. The consumer instructed Credit One to cease from further contacting him; however, the calls continued.

The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (RFDCPA) prevent creditors and debt collectors from abusive and harassing debt collection practices. This includes calling consumers repeatedly or continuously with the intent to annoy, abuse or harass. Although federal and state law does not state the exact number of calls that would constitute harassment, there is a large volume of case law that interprets three (3) or more calls a day from the same debt collector to be harassing.

Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold Credit One accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.


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