Credit One TCPA Class Action Claims ‘Aggravation, Annoyance’

An Illinois woman claims that she and others were peppered with unwanted marketing calls from Credit One bank, in violation of the Telephone Consumer Protection Act (TCPA).

Lead plaintiff, Adriane Jefferson, says that the Las Vegas-based Credit One bank called her repeatedly, without permission, using prerecorded marketing messages. Jefferson says that the calls were made to her cell phone and she asked a Credit One employee to stop having the calls placed; however, Credit One continued to bombard her with unwanted marketing calls, according to a complaint filed on Friday.

The Credit One class action lawsuit accuses the bank of violating a federal privacy law with these repeated unwanted calls to Jefferson and thousands of other consumers.

The Telephone Consumer Protection Act, or TCPA, is a federal law designed to protect consumers like Jefferson from annoying and time-consuming telemarketing activities. The TCPA requires marketers to get the express consent of consumers before contacting them with advertising messages via phone, fax, or text messaging.

In addition, the law restricts the use of various shortcuts used by telemarketers to bother more people, including automatic dialing systems and prerecorded messages.

The complaint points out, “calls in violation of the TCPA are prohibited because, as Congress found, automated or prerecorded telephone calls are a greater nuisance and invasion of privacy than live solicitation calls, and such calls can be costly and inconvenient.”

“The FCC also recognized that wireless customers are charged for incoming calls whether they pay in advance or after the minutes are used.”

The TCPA can also result in severe monetary consequences for marketers; each violation can result in a fine between $500 or $1,500 and each call or contact is considered a single violation.

“Defendant’s unsolicited calls caused Plaintiff harm, including invasion of privacy, aggravation, annoyance, intrusion on seclusion, trespass, and conversion. Defendant’s call also inconvenienced Plaintiff and caused disruption to her daily life,” states the Credit One TCPA class action lawsuit.

Jefferson seeks to represent a nationwide class of consumers who received unwanted marketing calls to either their cell or residential phone number from Credit One. The class action lawsuit is seeking damages of $500 for each unwanted call made to proposed Class Members.

Did you get a marketing call from Credit One? We want to hear from you! Tell us what happened in the comment section below.

The lead plaintiff, Adriane Jefferson, and the proposed Class Members are represented by Manuel S. Hiraldo of Hiraldo Law P.A.

The Credit One TCPA Class Action Lawsuit is Adriane Jefferson v. Credit One Bank, NA, Case No. 1:21-cv-00532 in the U.S. District Court Northern District of Illinois.

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• Synchrony Bank TCPA Class Action Settlement
• Financial Institution Prerecorded Messages and Voicemail Lawsuit
• Do You Qualify: TCPA Class Action Lawsuit Investigation