Credit One Bank class action overview:
- Who: Plaintiff Rebeca Mingura filed a class action lawsuit against Credit One Bank N.A.
- Why: Mingura claims Credit One Bank violated federal and state law by making harassing phone calls to her in an attempt to collect on a debt.
- Where: The Credit One Bank class action lawsuit was filed in California federal court.
- How to get help: If you experienced debt collector harassment, share your story with us and join a class action investigation. You may be eligible to take legal action depending on the state you live in.
A new class action lawsuit alleges Credit One Bank made harassing phone calls to a consumer in an attempt to collect on a debt.
Plaintiff Rebeca Mingura filed the Credit One Bank class action lawsuit on Aug. 8 in California federal court, alleging violations of the Telephone Consumer Protection Act (TCPA), the Rosenthal Fair Debt Collection Practices Act (RFDCPA) and California’s Unfair Competition Law.
According to the lawsuit, Credit One Bank engaged in unlawful and abusive debt collection practices, causing Mingura to suffer damages.
Mingura alleges that Credit One Bank began contacting her by phone, text and email in April 2025 to demand payment for debts she allegedly owed on three accounts with the bank.
Despite Mingura’s request to cease communications due to financial and medical hardships, the bank continued to inundate her with calls, she says. Mingura claims she received multiple calls daily, often within minutes of each other, impairing her ability to use her phone and causing emotional distress.
Credit One Bank made 578 debt collection calls in four months, lawsuit says
Mingura alleges she received more than 578 calls from Credit One Bank between April and July 2025, even after she had informed the bank that she was a disabled senior citizen experiencing financial and medical difficulties.
She claims she hired legal counsel, who sent a formal cease-and-desist letter to the bank in July 2025. However, the bank allegedly continued to contact her, violating federal and state debt collection laws.
Mingura claims Credit One Bank debt collection practices violated the TCPA by making automated calls to her cellphone without her consent, even after she revoked it.
She also alleges violations of the RFDCPA, which prohibits debt collectors from engaging in harassment or abusive practices.
Mingura claims the bank’s conduct was particularly egregious because it targeted a vulnerable senior citizen and disabled person, causing her significant emotional and physical harm.
The class action lawsuit seeks statutory damages of $500 for each negligent violation of the TCPA and $1,500 for each willful violation.
Mingura also seeks actual and statutory damages under the RFDCPA as well as treble damages under California law due to her status as a senior citizen. She is requesting injunctive relief to prevent unlawful and harassing Credit One Bank debt collection practices.
In September, Progressive Direct Insurance Co. agreed to a $500,000 settlement to resolve claims it violated Florida law by sending late-night emails to collect debts.
What do you think of the allegations made in this Credit One Bank class action lawsuit? Let us know in the comments.
The plaintiff is represented by David McGlothlin and Pamela E. Prescott of Kazerouni Law Group APC.
The Credit One Bank class action lawsuit is Mingura v. Credit One Bank N.A., Case No. 4:25-cv-06712, in the U.S. District Court for the Northern District of California.
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3 thoughts onCredit One Bank class action alleges harassing debt collection practices
Please add me. Have had many calls from them.
Can I get added to this lawsuit? I get calls from them as well.
Please add me to this case. They call me more than 10 times a day. It’s non stop harassment from this company.