TCPA Lawsuit Alleges Credit One Bank Harassing Phone Calls

In a new TCPA lawsuit, a Georgia man alleges he received too many Credit One Bank harassing phone calls, in violation of federal privacy laws.

The alleged Credit One Bank harassing phone calls reportedly distressed the claimant as they were made in an attempt to collect an alleged consumer debt.

Plaintiff David T. is filing this TCPA lawsuit alleging the Credit One Bank harassing phone calls violated federal privacy laws and were not placed according to the requirements of the Telephone Consumer Protection Act, or TCPA

David claims he received over 3,000 Credit One Bank harassing phone calls, trying to collect on an alleged consumer debt incurred through credit card purchases.

According to the TCPA lawsuit, David had began receiving these Credit One Bank harassing phone calls on Nov. 1, 2016. He says he specifically asked for the calls to stop and for the company to stop calling his cellphone number.

During his conversation with the Credit One Bank representative, David says he revoked any consent to contact him and believes the company used an automated dialing system to place the calls. Automated dialing systems are tools that randomly generate and call phone numbers. Their use is heavily limited the TCPA.

The TCPA points out that “robocalls” are currently the number one consumer complaint in America, with the FCC and FTC stating there were almost 4,000,000 complaints submitted in 2016.

Overview of TCPA Policy

The TCPA was enacted by Congress to help protect consumers against aggressive telemarketers and debt collectors, which prohibits companies from using automated dialing systems to place calls or using an artificial voice to answer if the call is picked up.

Companies are also prohibited from contacting the consumer if expressly ordered not to. The TCPA lawsuit alleges this, as David repeatedly received Credit One Bank harassing phone calls without his consent and against his expressed wishes.

David alleges these calls were most likely made with an automated dialer based on the sheer volume of calls, and that an artificial voice would allegedly answer him.

David is filing this TCPA lawsuit, alleging these Credit One Bank harassing phone calls caused him sheer distress and anguish. He further claims the company deliberately ignored the TCPA, as well as his own requests for the calls to stop.

When David asked for the calls to stop, Credit One Bank should have placed him on their do-not-call registry and had respected his request. David’s TCPA lawsuit is seeking damages for every alleged Credit One Bank harassing phone calls, which may be between $500 to $1,500 per call depending on whether or not he can prove willful violation.

This would mean proving that the company willfully and knowingly violated the TCPA, at the expense of David’s mental anguish. However proving this can prove difficult, so maintaining any relevant documentation of the alleged phone calls is important.

This TCPA Lawsuit is Case No. 1:17-cv-03826-ELR, in the U.S. District for the Northern District of Georgia, Atlanta Division.

Join a Free TCPA Class Action Lawsuit Investigation

If you were contacted on your cell phone by a company via an unsolicited text message (text spam) or prerecorded voice message (robocall), you may be eligible for compensation under the Telephone Consumer Protection Act.

Get a Free Case Evaluation Now