Credit One Bank Complaints : Stop Phone Call Harassment And Robocalls

Many consumers bring up complaints about harassing robocalls
HELPLINE

Credit One Bank, also known as Credit One Financial, is a financial services company which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

Who is Credit One Bank?

Credit One Bank offers consumer credit through a variety of retailers and banks. Credit One Bank’s in-house collections and billing departments have received a number of consumer complaints alleging financial crimes. If you have been contacted by Credit One Bank, make sure you know your rights before responding.

According to their website, Credit One Bank services over seven million customers, which they attribute to their stellar customer service. Customer testimonials praise the bank for allowing them the opportunity to rebuild their credit score when other banks steered clear due to past financial troubles. Credit One Bank claims to have surveyed their clients and discovered that 85% would recommend their services to others.

Credit One Bank “is dedicated to being a leader in the credit card lending industry by providing card members with value and excellent customer service.”  They are currently the official credit card of NASCAR, and consumers who hold their NASCAR Visa receive double cash back at the NASCAR.com Superstore.

Credit One Bank offers three credit cards, a Cash Back Rewards Visa, the Platinum Visa for Rebuilding Credit, and the Official NASCAR visa. Their website is designed to entice consumers to apply immediately for credit, with buttons to see if you prequalify prominently featured.  There is a section devoted to responding to mail offers, so this bank targets consumers who would not qualify for credit elsewhere.

Sample Cardholder agreements are available for consumer perusal.  They state that card holders will be charged a 25.15% interest rate which fluctuates based on the market rate.  Not mentioned in the many various advertisements is the $75 annual fee, charged in full when the card is opened, reducing a modest $300 credit line to $225.  After the first year, the fee rises to a $99 annual charge billed at $8.25 monthly.

How Many Complaints are there against Credit One Bank?

The Consumer Financial Protection Bureau (CFPB) lists 18,688 complaints against Credit One Financial (aka Credit One Bank) over a three year period, regarding everything from credit collection to inaccurate information on credit report. The BBB’s profile page for Credit One Bank lists 1,165 complaints closed in the past three years, with 407 closed in the past 12 months. Most of these complaints were about billing and collection issues, but also included complaints about advertising and customer service. Of the 143 customer reviews, 138 are negative. Justia lists at least 30 cases of civil litigation that name Credit One Bank as a defendant.

How Much Will It Cost to File A Lawsuit Against Credit One Bank?

Absolutely. Here are some Sample Cases Where Our Clients Won in Arbitration:

Credit One Bank consumers generally accept an arbitration clause when they sign up for their services.

In August 2016, Lemberg Law received a case on behalf of James Doe (names changed to protect client’s privacy) of Rochester, New York.  James was receiving up to thirty calls a day from Credit One Bank in regards to a debt that he owed.  Despite speaking with a live representative and revoking consent, the defendant continued to place copious amounts of calls to his cell phone in a manner which he found intrusive and harassing.  These calls utilized a predictive dialer, an automated device which attempts to predict how long it takes the consumer to answer the telephone, then connects them with a live representative.  Such devices store phone numbers.  We demanded $500 for each phone call placed to defendant’s cell phone after permission had been revoked.  Case settled pre-litigation within one year with cash award as well as waiver of his debt with Credit One Bank.

Client Becky Doe was receiving up to ten calls a day from Credit One Bank when she contacted Lemberg Law for help. On numerous occasions Plaintiff revoked permission for Credit One to call her, including calling them herself to emphasize she wanted to receive correspondence by mail only.  None of her actions stopped the calls.  Once she reached out to Lemberg Law, not only where we able to stop the harassment, but we won a sizable cash award for her trouble.

Contact Information

Credit One Financial
6801 South Cimarron Road
Las Vegas, NV 89113
Telephone: (877) 825-3242

Credit One Bank Calling You?

Understanding Your Debt Collection Rights

Federal consumer protection laws are designed to protect consumers from unethical business practices. For example, the Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) regulate the way in which collection agencies can conduct business. The FDCPA’s provisions prohibit the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies.

Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how consumers can assert their rights when financial services companies overstep their bounds.

These laws also provide individuals with a means to seek monetary damages in court. For instance, the TCPA provides monetary compensation to consumers who can prove harassment. In the case of willful harassment, this compensation can be increased three times. As a result, entities can be fined up to $500 if case harassment is proved. In case willful violation is proved, this compensation can be up to $1500.

Ready to Stop the Harassment from Credit One Bank?

Your phone harassment checklist:

  • Your debt harassment checklist:
  • Calling you before 8:00 am or after 9:00 pm
  • Calling and not identifying themselves or their purpose.
  • Use misleading of fraudulent tactics to communicate with you
  • Calling you at your place of employment
  • Calling your friends, neighbors, or coworkers
  • Disclosing personal info to someone else without your consent
  • Ignoring your requests to not call you; not honoring the Do-Not-Call-Registry.
  • Threatening and intimidating you with violence, lawsuit, or arrest
  • Use of threats, offensive language and aggressive behaviors
  • Criminal accusations are being made towards you
  • Automated robocalls are being made to your phone in an attempt to collect
  • Harassing you with constant or unwanted calls

If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW

What Our Clients are Saying

“Lemberg Law has been great in handling my harassment case . They got the robocalls to stop when I was unable to get my number taken off the company’s list on my own. I highly recommend this law firm to anyone having an issue with pushy bill collectors harassing you”

“Was getting harassed by phone calls. Looked for an attorney that could help online and found Lemberg Law.  They took care of everything and kept in contact with me just the right amount. Never expected anything would come of it but they did all the work and it relieved a lot of stress in my life!”

“Lemberg Law was a great choice. They really helped me with my situation. They were very professional and answered any questions I had and responded to my calls and emails. I would definitely use them again and recommend them to others.”

Can You Help Me Stop Credit One Bank Harassment?

Chances are we can. Call us to today and we’ll tell you how we can help.

6 COMMENTS
  • Timothy D

    I am receiving constant harassment calls from Credit One. They call all day and night using different numbers. I want to file a suit for harassment.

  • JOHN K

    Credit One Bank collections have been “spoof” calling using a caller ID that says it is “Medical Suppies” and “Asia Pacific”. When I call the “spoof” numbers I get a representative that says it’s Credit One and from the sounds of it I’m reaching someone in South Asia (India) It seems I’m not able to talk to any US based representatives from the bank.

  • Betty Smith

    I have been with credit one since last year. I have made all my payments on time every month. My significant other wanted to help me with payments. We got online access and he made payments to the account. I still made payments to the account. Credit one then started saying that they couldn’t verify the payments. One person said he made a payment with a credit card. In attempt to fix the situation I did send them a check. They still have his payment out there and my payment. We have paid $1060.00. We only owed 821.00. These people have put a block on my account. I don’t know if they credited the account with the money that we have sent to them. I have tried to do everything that has been required to straighten out the problems. I have called them numerous times. It is a nightmare dealing with customer service. I have sent them my driver’s license copy, utility bills, military id card. I have sent a letter to the bank president. I just want them to send me the documentation about the payments. I am very concerned about the payments of over a thousand dollars and if they have credited my account. If you talk to them I hope that you can understand them.

  • Dasha L Chadwick

    Apparently these guys have sold off an old credit card to four companies. But now they are using their lawyers to come after me for the same debt that they sold off to other people. When I request validation of who owns the debt I get nothing but a photoshop copy of an old bill with nothing that has my personal hand marks or anything. I just learned that they are going to Sue me. For what? I can’t believe that the legal system is allowing these people to abuse people and harass them this way. They should just do their jobs and prove that that is old instead of selling it to multiple people and still coming after consumers.

  • Ernest Ivy

    Credit One Bank has poor customer service with their credit cards. They try to instruct me where I should and should not use my credit card at and if they don’t like the site I use it on they will decline me and suggest I use a different credit card. I called credit one when my card got declined and I was put on hold for about half an hour waiting to talk to a supervisor. I was told by the first rep. to wait 10 to 15 minutes to use the card again and the supervisor told me to wait several hours or wait until the next day to use the card again. I made a mistake obtaining 2 credit cards with credit one. I will take care of the mistake eventually by paying off the balance on each card and then cancel the credit cards.

  • James Martin

    I made my payments on time and now they’re claiming that they haven’t recieved my payment but my bank has proof that they have. They keep calling me at work harassing me and I have proof I paid. Spoke with 3 different agents in the past week and they were supposed to correct it and haven’t

Leave a Reply or Comment

Write a comment below to share online. Or, instead you can to our legal team.
Email is required to block spam, but will not be published.

Briefly describe the problem Briefly describe the problem

What’s your name? What’s your name?

What’s your phone number? What’s your phone number?

Get Your No-Obligation
Case Evaluation

Send a secure message to our legal team.

What’s your name? What’s your name?
What’s your email address? What’s your email address?
What’s your phone number? What’s your phone number?
Briefly describe the problem Briefly describe the problem
Your information is kept 100% confidential. We do not spam or sell your information.