Credit One Bank Lawsuit Claims Bank Placed Harassing, Deceptive Phone Calls

Credit One Bank is facing a lawsuit for allegedly placing harassing and deceptive phone calls, including excessive automated calls using disguised caller IDs to consumers in attempts to collect alleged debts. The complaints claim violations of federal laws such as the Telephone Consumer Protection Act (TCPA) and the Fair Debt Collection Practices Act (FDCPA), with plaintiffs reporting hundreds of calls over a short period, emotional distress, and even continued contact after formal cease-and-desist requests.​

Key Allegations

• Harassing calls: Plaintiffs allege Credit One Bank placed hundreds of automated or prerecorded phone calls, often using spoofed numbers to increase answer rates, causing significant emotional distress.​

• Deceptive practices: Calls were made in relation to debts that may have already been sold, suggesting attempts at double payment collection and violations of the FDCPA.​

• Targeting vulnerable consumers: The lawsuit claims harassment continued even after consumers, including a disabled senior citizen, requested in writing for communication to stop.​

Legal Violations

• Violations of the TCPA for repeated robocalls without proper consent.​

• Violations of the FDCPA and related state laws for abusive debt collection practices and using misleading caller IDs.​

• Additional violations of FCC rules for masking third-party numbers to deceive recipients.​

Settlement and Consumer Compensation

• Credit One has agreed to a class action settlement, with eligible consumers able to claim compensation of up to $1,000 per violation, subject to submitting documentation of the harassment and their account details.​

• Consumers affected by Credit One Bank’s alleged harassing calls may qualify for damages ranging from $500 to $1,500 per call under federal statutes.​

What Consumers Can Do

• Document all interactions and calls from Credit One Bank.

• Send a certified “cease contact” letter referencing FDCPA Section 805(c).​

• Consider joining the class action or seeking legal counsel if experiencing similar harassment.

These lawsuits highlight increasing scrutiny and regulatory actions against unfair debt collection practices by banks such as Credit One.​