🚨Credit One Bank Phone Harassment❓ Stop the Robocalls❗
Do you receive automated calls from Credit One Bank? Does Credit One Bank call you over and over again harassing you all day long? The primary goal of this blog is to let you know that no company has the right to harass you.
Owing to a consumer-friendly statute called the Fair Debt Collection Practice Act (FDCPA), you are protected from and thereby immune to such acts of terror and badgering. The Telephone Consumer Protection Act (TCPA) also provides protections against unwanted robocalls and allows consumers to seek compensation for violations. Consumer complaints about Credit One Bank often highlight the harassment experienced through aggressive collection calls. You may be unaware that your rights are protected against Credit One Bank harassment, however, your third-party debt collector is most likely aware and may still go beyond their limits to harass you. This is why it is crucial to know your rights and to know the measures that are in place to help you stop the harassment if Credit One Bank won’t stop calling. Call us right away to stop the harassment and take your life back.
Remember, you don’t have to live in fear of your phone. Simply call .
🔎What Is Credit One Bank❓
Founded in 1984, Credit One Bank is a full-service bank and is located in Las Vegas, Nevada. Among a list of other financial services, the Bank specializes in providing credit cards to consumers with less-than-perfect credit scores. Credit One Bank issues bank credit cards with higher interest rates and fees, targeting consumers looking to rebuild their credit. These bank offers include benefits like cash back rewards and flexible payment options, designed to help users rebuild their credit profiles.
📂Who Owns Credit One Bank❓
Credit One Bank is owned by Credit One Financial and is incorporated in Nevada, USA.
🏦Credit One Bank address
Credit One Bank corporate office 6801 S Cimarron Rd Las Vegas, NV 89113-2273 Telephone: (877) 825-3242
💼Credit One Bank Reviews BBB
The financial institution has been incorporated as a verified listing on the Better Business Bureau website since October 2011.
The Bank’s BBB profile highlights the fact that the institution is notorious for having a pattern of complaints filed by dissatisfied consumers regarding billing and unfair debt collection practices. These complaints often include bad reviews from customers who have experienced harassing phone calls and unfair practices. As a credit card company, Credit One Bank has faced numerous complaints related to debt collection practices. Over the past three years, there has been a significant number of consumer complaints filed against Credit One Bank, further impacting its reputation.
The Bank has been in business for 38 years and currently scores a “B” on the Better Business Bureau rating. Unresolved debts with Credit One Bank may be transferred to a debt collection agency, which can lead to further complications for consumers.
🛑Is Credit One Bank legit❓
According to the Better Business Bureau website, Credit One Bank has been in business since 1984. There have been 1267 customer complaints filed, many of which focus on Credit One Bank’s practices, particularly issues related to debt collection and financial inaccuracies.
The record of complaints and interactions with the bank highlights the importance of consumers maintaining detailed accounts of their communications to protect their rights.
⚠️Credit One Bank scams
Beware of fraudsters claiming to be representatives of Credit One Bank. You may get a call from an unknown number claiming to be an officer of the financial institution and asking you to provide sensitive information or threatening you over a debt you do not remember. Do not be moved. Most scammers have no real hold, therefore, they have no choice but to resort to fear and manipulation. Consider sending a cease-and-desist letter to stop any harassment from these calls.
If you get a call from a number claiming to be a representative of Credit One Bank, ask them to provide verification that proves they are who they say they are. This verification should come in form of a letter you receive from the institution containing all your personal details and confirming that the debt is yours. Legal protections like the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) are in place to protect consumers from such harassment.
📋Credit One vs Capital One
In many of our encounters with clients, we usually come across one common question: is Credit One the same as Capital One?
The simple answer is no. Although Credit One and Capital One both bear names that sound alike, one institution should never be confused with the other. They are each separate entities operating within a similar industry.
💵Are You Unable To Repay Your Credit One Loan❓
Being in a situation where you are unable to pay your debts can easily be one of the most stressful things that can happen to any adult. Bills, inflation, and other factors can also conspire to make an already dreary situation worse. Whatever the case may be, we understand that life can get tough sometimes and you may find yourself falling behind on your loan payments. Credit One Bank often deals with consumers who have lower credit scores, offering them opportunities to rebuild their credit.
If you are behind on your loan payments, we advise you to get in touch with your lender (for example, Credit One Bank) and talk about any debt refinancing options that they may be willing to give you before your loan gets transferred to a third-party debt collector. Many consumers have called Credit One Bank to discuss their credit limits and payment options. Your lender may agree to accept lower installments, which, however, may increase your overall interest rate. Additionally, you may lose attached assets if your loan is secured and you default on your payments for a lengthy amount of time. Some consumers have also tried to negotiate a reduction in their monthly payments due to financial hardships, such as receiving Social Security Disability.
Late fees can further complicate your financial situation, as multiple late fees and charging discrepancies can accrue, impacting your credit score and causing additional stress.
If you are, however, unable to meet up with your loan payments or reach an agreement with your original lender, here’s what will usually happen:
- Your debt gets transferred to a collection agency
- They will take over all attempts to recover the debt from you, which can be more brutal
- It may affect your credit rating
- They may sue as the final step if you are still unable to pay up your debts.
Contact our office right away if you are facing the threat of harassment over the non-payment of a debt.
🔒When Does Credit One Report To Credit Bureaus❓
Often, credit card providers file a report to the credit bureaus on the day that your charges for the last billing cycle are issued. This usually happens once a month (or once every 45 days at the very least.) This is usually the case when it comes to banks reporting to bureaus, however, some banks may choose to update the bureaus a little more frequently than this.
💢Credit One Bank Harassment
In one famous case, a New York resident was awarded $232,000 as compensation for multiple Credit One bank complaints. This goes to show that debt harassment from Credit One Bank is illegal, and you should not tolerate it either. Collection agencies often use intimidation and harassment tactics, but consumers have legal rights to protect themselves from such practices.
While Credit One Bank is not governed by the Fair Debt Collection Practices Act (FDCPA), consumers still have protections under this act when dealing with third-party debt collectors. Consumer Affairs, along with the Better Business Bureau, serves as a resource for consumers to gather information regarding the customer service and complaint records of businesses, aiding consumers in understanding their rights and options when faced with issues.
Call us now at 877-700-5790 to file a complaint.
📲Why Is Credit One Bank Calling Me❓
There are many ways companies like Credit One Bank that harass consumers and violate their rights and the law. The TCPA limits when and how often a company like Credit One Bank or its affiliates can call a consumer. The TCPA also bans the use of automatic dialing systems. Inaccurate information on credit reports can lead to higher interest rates or denial of credit, making it crucial for consumers to dispute these inaccuracies to rectify mistakes and protect their financial health. Some of the key parts of the TCPA that all companies including Credit One Bank must follow when making calls are below:
- Calls only between the hours of 8 a.m. and 9 p.m.
- Companies must maintain a “Do Not Call” list and follow it. Therefore not call the consumer again.
- Marketers may not send unsolicited advertisements by auto-dialer, prerecorded voice message, or fax to anyone without prior express consent.
- Customers must be able to opt out of future robocalls during a robocall. Once requested, the calls must end.
- Calling without identifying themselves or without revealing the identity of the person or company on whose behalf they are making the calls.
Understanding the process of disputing inaccuracies on credit reports and handling debt-related issues is essential. Legal protections are in place to guide consumers through their rights and the necessary procedures to challenge credit reporting errors or unfair debt collection practices.
🎯What Are Robocalls❓
Robocalls are phone calls with prerecorded messages. This also includes unwanted text messages. To Learn More visit the Federal Trade Commission (FTC) or the Federal Communications Commission (FCC).
🏷️How Can I Assist in My Case If I Believe I Am Receiving Robocalls❓
• Make a note of the date and time of the call, the caller’s name, and their contact information.
• Make note of any prerecorded message, or of the conversation you had if you spoke to a live representative.
• Save copies of any relevant cell phone call logs, voicemails, text messages, and cell phone bills.
• Keep a copy of any letter or online contact you send to the caller that asks them to stop calling.
🛡Help❗ Credit One Bank is suing me
Credit One Bank has been a party to over 660 federal cases based on their issuance of credit and collection of debts incurred on their credit cards.
Maintaining good standing with creditors is crucial to avoid legal actions and ensure your credit score remains unaffected.
If you are being sued over the non-payment of your debts to Credit One, do not panic; neither should you make the mistake of thinking that you can handle the lawsuit by yourself. Missing a payment due date can lead to severe consequences, including account closure and negative impacts on your credit score. Get in touch with a trusted consumer protection attorney today by calling: 877-700-5790.
💳How to Cancel Credit One Card
Canceling your Credit One card is simple. If you would like to cancel your credit card, follow the steps outlined below:
- Call Credit One Bank at 1-877-825-3242.
- Go through the automated menu until you reach customer service
- Tell the customer service representative your complaint and follow their instructions.
📵Credit One Bank Late Payment Forgiveness
Although it is rarely heard that banks forgive late payments on loans, there certainly is no harm in giving it a go.
Send a letter to your lender explaining the nature of your situation and why you failed to make your payment at the allocated time. Assure them that it won’t happen again and ask that they take the stain off your subsequent credit reports.
Please note that this may not happen, you are better off paying off your debts at the appropriate time.
📞Credit One Bank Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
877-825-3242, 702-405-2042, 800-752-5493, 866-803-1745, 888-729-6274, 800-797-4299. 702-475-7751, 667-262-6326, 414-240-8957, 414-404-9096, 414-567-4395, 833-901-4154, 414-296-0928, 414-338-2612, 414-404-9202, 414-567-4392, 866-530-1085, 414-296-0958, 414-279-7282, 414-338-2700, 866-844-6955, 414-404-9111, 414-567-3998, 414-279-7282, 414-567-4392, 414-240-8957, 414-338-2694, 414-877-4228, 414-338-2612, 414-338-2695, 866-844-6972, 414,261-8003, 414-338-7807, 414-404-9096, 414-338-2725, 414-338-2607, 833-901-4153, 414-240-3633, 866-844-6366, 414-338-7844, 414-296-0928, 502-576-3013, 585-206-4446, 720-615-7851, 508-388-1828, 951-210-7265, 301-307-2597, 817-241-0053, 928-212-4671, 385-341-2951, 385-341-8387, 888-729-6274, 877-825-3242, 405-900-8322, 405-900-4682, 833-924-3354, 405-500-1149, 405-497-6296, 405-500-1149, 405-500-2158, 405-652-7610, 833-743-1740, 833-525-1000, 833-317-1931, 405-500-1148, 405-500-2339, 405-953-8733
If so, you may be a victim of Credit One Bank phone harassment. The list above is not all the numbers that Credit One Bank uses. You may also receive calls from a different number that is still a Credit One telephone number. You can contact Credit One Bank customer service at 1-877-825-3242.
You may also contact our office right away at 877-700-5790 if you are receiving harassing calls, and we will stop Credit One Bank from calling you illegally.
📄Credit One Bank Complaints
The following is a sample list of complaints filed against Credit One Bank in 2019 which can be found on Pacer. Many of these complaints involve issues with fraudulent accounts, inaccurate reporting, and mishandling of consumer debt accounts, leading to significant impacts on consumers’ credit scores.
Credit One Bank has faced numerous consumer complaints regarding billing issues, unauthorized charges, and inadequate customer service experiences. Customers often express dissatisfaction with the handling of their accounts, particularly concerning fees, credit reporting, and difficulties in negotiating payment terms due to financial hardships.
1:19-cv-01365-WMR-JSA Roberts v. Equifax Information Services, LLC et al
1:19-cv-01366-AT-JCF Hernandez, Sr. v. Equifax Information Services, LLC et al
2:19-cv-00264-JFC GOTTSCHALK v. CREDIT ONE BANK, N.A.
0:19-cv-60592-RNS Lampkins v. CREDIT ONE BANK, N.A.
1:19-cv-00949-MHC-JKL Williams v. Experian Information Solutions, Inc. et al
🏛️CONSUMER RIGHTS LAW FIRM PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact a legal professional to stop the Credit One Bank phone harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more Credit One Bank Phone Harassment, call us at for immediate assistance or visit our website.
🏆Our Success Stories
“Credit One Bank called me nonstop about a disputed charge – even at 6 AM! Consumer Rights Law Firm PLLC proved they violated the TCPA (robocall law) and FDCPA. The calls stopped in 48 hours, and I got a $3,500 settlement check. These lawyers don’t just talk – they deliver!”
“Credit One kept reporting late payments I never missed, dropping my score 80 points. The firm sued under the Fair Credit Reporting Act (FCRA), forced them to delete the errors, and got me $2,800 in damages. My credit score rebounded in weeks. Worth every penny (which Credit One paid, not me)!”
“A Credit One collector threatened to ‘ruin my life’ over a $1,200 balance. Consumer Rights Law Firm PLLC recorded the call, sued for FDCPA harassment, and not only made the calls stop but got the entire debt canceled. Life-changing help!”
