How to Win a Credit One Bank Lawsuit in Court

You receive a Summons to appear in court. The creditor? Credit One Bank. Time is critical now. Every decision you make will impact the outcome of your case.

Understanding Credit One Bank and your legal rights is your best defense. You can beat them in court if you take the right steps immediately.

Who Is Credit One Bank?

Credit One Bank specializes in credit cards for consumers with low credit scores. They approve applicants with scores as low as 370.

The trade-off? Higher interest rates and annual fees than standard credit cards. You start paying more from day one.

Based in Las Vegas, Nevada, Credit One has operated since 1998. They issue credit cards directly. They are not a debt buyer or third-party collection agency.

Because they serve high-risk borrowers, Credit One sees more defaults. Their collections department gets aggressive when accounts go unpaid. Legal action follows when collection efforts fail.

Contact Credit One Bank at:

Credit One Bank
P.O. Box 98873
Las Vegas, NV 89193-8873
1-877-825-3242

Credit One Bank Has Serious Consumer Complaints

Credit One Bank’s collections department has a reputation for harassment. The Better Business Bureau shows over 1,400 complaints filed in three years. Most involve collections practices.

Consumer Affairs rates Credit One at just 1.2 out of 5 stars based on nearly 150 reviews.

Here’s a real complaint from the BBB (edited for clarity):

“I received this card about a year ago to help rebuild my credit. Everything was fine initially. I made payments on time. Then I started having financial issues 4 to 5 months ago. The company reported my missed payment after just 1 month. My credit score dropped over 50 points. They have harassed me repeatedly and called 8 to 9 times daily. My balance is $490 on a $300 credit limit. Today they told me the account is CLOSED but I still owe money every month. How is this possible if the account is CLOSED?”

Credit One charges unexplained fees repeatedly. Fees plus high interest create a debt trap. You have legal rights that protect you from these practices.

Your Rights When Fighting Credit One Bank Debt

Credit One is not a collection agency. The Fair Debt Collection Practices Act (FDCPA) doesn’t govern them directly.

However, if Credit One sells your debt to a third-party collector, these rules apply:

• Collectors cannot call before 8 a.m. or after 9 p.m.
• Collectors cannot threaten arrest or use vulgar language
• Collectors cannot threaten physical or financial harm to you or your family
• Collectors cannot call your workplace
• Collectors cannot discuss your debt with family or friends
• Collectors cannot threaten legal action they don’t plan to take

Keep records of all communications with collectors. You may be entitled to $1,000 per FDCPA violation.

If a debt collector violates your rights, our partner Solo can help you respond to their lawsuit and assert your defenses.

Credit One Bank Class Action Lawsuits

Credit One ignores consumer complaints and debt validation requests. Multiple class action lawsuits have been filed against them.

Common complaints include:

• Using outdated contact information and calling minors to collect debts
• Ignoring identity theft reports and credit disputes
• Selling fraudulent charged-off accounts to collection agencies
• Using pre-recorded messages and auto-dialers after requests to stop (violating the Telephone Consumer Protection Act)
• Calling people who never had a Credit One card

Real example: In Caccamise v. Credit One Bank, N.A., Jordan Caccamise’s identity was stolen. Someone opened a Credit One card in her name. Her credit score plummeted.

Jordan filed multiple fraud disputes with Credit One. They ignored every dispute. They continued pursuing her for fraudulent debts and reporting negative information to credit bureaus. Credit One eventually sold the fraudulent charged-off debt to a collection agency.

Credit One’s track record shows they often sue consumers or sell debts to collectors. You can fight back and win when sued for a Credit One debt.

Why Is Credit One Bank Suing You?

The most likely reason: unpaid credit card debt.

You took out a Credit One credit card and defaulted on payments. Credit One starts with calls, emails, and letters about the unpaid balance.

After several months without payment, Credit One charges off the account. They often sell it to a debt collection agency.

Ignoring a debt collection lawsuit guarantees you lose. The court will enter a default judgment against you. Collectors can then garnish your wages or freeze your bank account.

How to Respond to a Credit One Bank Lawsuit

Receiving a court Summons is frightening. The Summons notifies you of the lawsuit. The Complaint lists specific claims against you.

You must respond to win. You have between 14 and 35 days depending on your state.

Follow these three steps to Answer your Credit One Bank lawsuit:

1. Respond to every paragraph in the Complaint
2. Assert your affirmative defenses
3. File the Answer with the court and plaintiff

With our partner Solo, you can draft and file your Answer in minutes. No attorney fees required.

Step 1: Respond to Every Paragraph in the Complaint

The Complaint contains numbered paragraphs outlining the lawsuit against you. Debt collection cases typically have 10 to 30 paragraphs.

Read each paragraph carefully. Respond in one of three ways:

• Admit if you agree with everything stated
• Deny if you want to make the collector prove it’s true
• Deny due to lack of knowledge if you don’t understand or lack information to respond

Write your response after the corresponding paragraph number in your Answer.

Many attorneys recommend denying everything. You force the other side to prove their case. In debt collection lawsuits, collectors often lack proper documentation.

Step 2: Assert Your Affirmative Defenses

An affirmative defense explains why Credit One Bank doesn’t have a valid case. These are your legal defenses against the lawsuit.

You must list affirmative defenses in your Answer. If you don’t include them now, you cannot raise them later. Ever. You lose these defenses permanently.

Common affirmative defenses include:

• The account is not yours
• The contract was canceled
• The statute of limitations has expired
• The debt has been paid or discharged
• The debt amount is incorrect
• You were a co-signer but weren’t informed of your rights
• Credit One lacks documentation proving you owe the debt

Inability to pay is not a legal defense. Focus on procedural and documentary defenses.

Step 3: File the Answer with the Court and Plaintiff

Your Answer means nothing unless you file it properly. Many people create perfect Answers but never file them. You lose by default.

Filing requirements:

• Print two copies of your Answer
• Mail one copy to the court clerk
• Mail one copy to the plaintiff’s attorney

The plaintiff’s attorney address appears in your Summons. The court’s mailing address often differs from its physical address.

Filing incorrectly means your Answer doesn’t count. Our partner Solo handles filing for you. They ensure your Answer reaches the right place by the deadline.

Why Affirmative Defenses Win Cases Against Credit One

Affirmative defenses shift the burden back to Credit One Bank. They must prove their case with documentation.

Credit One must prove you incurred the debt. They must show you are responsible for it. They must verify the amount is correct.

Demand that Credit One produce irrefutable documentation proving:

• You are the person responsible for the debt
• Credit One has legal standing to sue you
• You owe the exact amount claimed

Credit card companies frequently sue the wrong person. They often file lawsuits beyond the statute of limitations. Documentation gets lost when debts are sold multiple times.

Challenge everything. Make them prove their case.

Settle Your Credit One Debt for Less

You don’t have to pay the full amount claimed. Debt collectors typically accept 30% to 50% of the balance.

After filing your Answer, propose a settlement. Credit One would rather collect something than risk losing in court.

Settlement tips:

• Start with a low offer (25% to 30% of the balance)
• Get the settlement agreement in writing before paying
• Confirm the creditor will report the debt as “paid” or “settled”
• Never give collectors access to your bank account

Our partner Solo can help you negotiate a settlement with Credit One Bank or their collection agency. Many users settle for 50% or less of what they owed.