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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185 thoughts onCredit One Bank class action alleges harassing debt collection practices
Credit one has been boarding with calls as well for the past few months never letting up, put my phone on vibrate in order not to miss calls from family, friends and other calls.
I missed my payment on 2.17.26 due to financial hardship. I was not over 30 days late. Yes, the card had exceeded its limit, but I have been a customer and credit card user of theirs for 2 years and am confused why my phone is being bombarded with collection calls 4-7 times a day, depending on their gumption. When I finally answered to request a cease and desist, as I had to place my phone on Do Not Disturb at that point…I inquired with the same woman who had been calling, “Ivy Love,” if she knew she was in violation of the Fair Debt Collecting Practices Act and instead of a response, she hung up on me. I was on a mission at that point…called back two more times and was hung up on when asked the same question. Now I am extremely heated and ready to become THAT person, who I dislike. Called a fourth time and demanded to know why she kept hanging up on me…it was a technical error, she replied. I laughed and said you must think I am an inept imbecile, but I most certainly am not and don’t appreciate being treated as such. I asked to be connected to her supervisor…this woman had the nerve to request the reasoning…. I provided a snippy response and stated because I am filing and making note of your actions today and making record of your singular harassment and unwillingness to acknowledge your unlawful actions and if there are any technical difficulties with transferring me, I’ll take it further up and fine someone to inform about your lack of training and excessive calls, as I do not appreciate being treated as an account you’re trying to get a bonus off of, collecting by any means necessary. Terrible customer service. Did not even try to work with me to come up with a solution, supervisor gave me the run around when asked if he was aware of the laws of harassment that pertain to debt collectors and when I said do not call me and I would make my payment by the 1st, all he asked was if I would like to set up an automatic payment over the phone. Nope. I can handle that on the app, as I don’t want any more of my time wasted on your collections office and do not trust a farmed out, overseas debt collector that can’t familiarize themselves on the laws of the country they are assigned. I am obviously beside myself angry and irritated for being treated so poorly, which is why this is overly detailed.
Credit One Bank needs to think more of the customer and less on how to save a buck…