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Credit One Bank

Address:

Contact Them:

http://www.map-embed.com

Fast Fact: Pursuant to the Fair Credit Reporting Act, it is unlawful for a creditor to willfully and negligently fail to delete inaccurate information from your credit files if the creditor is provided with proof of its inaccuracy.

You should dispute a debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If your alleged Credit One Bank account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.

  • 1 Comment

    1. Nelson W. on April 24, 2015 at 9:46 pm

      I have not used my Credit One Bank card for over 14 months. Suddenly Credit One Bank calls about fraudulent charges. Then a screaming match on the phone with a supervisor at Credit One Bank who did not want to cancel my card despite fraudulent charges from a country I have never been to. Credit One Bank are a group of highly unethical people. The three calls today with Credit One Bank were ridiculous and a waste of time. I have no confidence that my card with Credit One Bank has been cancelled.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.