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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177 thoughts onCredit One Bank class action alleges harassing debt collection practices
I pay capitalone off they still calling me for a pay i dont old anying. I think they’ve been ripping people off on their account including me thank you.
Please add me. They call me even past 8pm numerous times of day every day. They fraudulently would Mae payment due dates and say they are late even when provided proof of payment and gave me numerous $30 fees until I couldn’t pay any of it off.
Add me! They start spamming me the day my account becomes past due. They use spoofed numbers, too. They also charge late fees when you’ve paid the account early. They tell you. you paid in the previous cycle even though youve gone to the app to pay the next month’s bill early. They will consider you as late for the next month and charge you late fees and harass you to make another payment.
I would love to get back at credit one for over 120 calls in less than a month!
Please add me too. They have called me at least 10 per day including national holidays
Please add me
Please Add Me. I probably have received over a thousand calls in the last month. My cc was hacked and they refused to submit me a new card because I didn’t receive the link they claimed they emailed to me to verify it was me. Then they proceed to tell me to mail a copy of my drivers licenses, which I did. When calling back they said they had no record of my original call but luckily I had already shut the card off via app. I paid everything except fraud balance.
Add me
Please add me
I have saved over 200 different numbers Credit One used to call me on average 5-7 times a day. When I typed up a letter of hardship to get some assistance I called them to be told they didn’t have that kind of department and talked me into a small payment. When my acct was open I was told over and over again that my debit card did not go through when paying my monthly bill however the card seem to work when they were on the phone. Very frustrated with them as they are bullys and deceitful. I am now in collections but at least my phone isn’t ringing none stop. Would love a chance to give my phone log and numbers I saved to someone who is helping with this law suit in hopes to stop them from breaking the laws and harrassing others. And don’t get me started on the 35% interest rate
Add me too. I have my call log!