On the surface level, the details of this Rebeca Mingura Credit One Lawsuit may seem like just some minor or small inconveniences and nothing else, right? But as a citizen of this country, you should know that there are some rules and laws made to protect your interests, and you should be very well aware of that, or else some companies can take advantage of that.
Who Exactly Is Credit One Bank?
It could very well be that you don’t really know about Credit One Bank, if that’s the case, then just know the basic things about them, this one is mainly out there offering credit cards to people with low credit scores or those who have a limited credit record. Plain and simple. As for the backstory or history of this company, well, it was founded way back in 1984 under a different name. And this Credit One name actually first came in 2006.
Looking at how well this bank is doing financially, well, that’s the reason why a lot of people trust it, like just to give you perspective on things, see, it went on to announce a profit of about $473.6 million for 2024 and approximately $411.5 million for the first nine months of 2025.
What Rules Control Debt Collection Calls?
In case you didn’t know it yet, well, not just federal laws, but state laws as well have certain restrictions on these debt collectors, mainly about how they can contact people.
To be more specific about that, like on the federal level, these companies or debt collectors are not even allowed to bother people by straight-up calling them, and forget about calling them over and over again, let alone using some threatening or insulting language. Other than these basics, of course, there are some specific rules regarding the automatic dialing systems or pre-recorded voice messages, which you should get to know more about too. And of course, there are proper measures or actions taken too when these rules are broken, like the violator can be fined $500 for each call if the violation is unintentional, and up to $1,500 per call if the violation is proven to be deliberate.
What Happened In The 2021 California Case?
In March 2021, the district attorneys from Los Angeles, Riverside, Santa Clara, and San Diego decided to sue Credit One Bank. They alleged that some of the bank’s collection agents were excessively calling certain borrowers.
Even though there are pretty strict laws, as per the details of this very lawsuit, a man out there got as many as 550 calls in just a matter of months, and there was another case where another person got such calls 150 times in just a matter of four months only.
Eventually, after a few years of litigation, the parties came to terms. Credit One was willing to shell out $10.2 million, which comprised $9 million in sanctions and $1.2 million for investigation expenses. The bank refused to admit any fault, but at the same time was ready to adjust its collection methods.
What Did Rebeca Mingura Claim In Her Lawsuit?
Rebeca Mingura, in a lawsuit she filed in federal court in Northern California in August 2025, accused Credit One of harassing her with phone calls over a debt. She reportedly got over 578 calls within roughly four months. She also mentioned that the phone calls kept on coming even after her lawyer mailed the bank a formal letter requesting that the bank cease direct contact.
If it is established that an automatic dialing system was utilized without permission, federal fine provisions would be applicable. At $500 for each call, a large sum could be realized, and if the infringements were deliberate, the amount could be even more. However, this is just the maximum limit as per the law, not a guaranteed compensation amount.
