Credit One Bank provides all kinds of financial services for Americans, including personal accounts, lending, and credit cards. However, many of their customers have issues with the way they run things. If they’ve ever overcharged you, treated you poorly or acted against your interests, you may have grounds for a case against them. We can show you how to:
What is it? A small claims case against Credit One Bank circumvents the clause in your contract with them that prevents you from reading a case directly to them under most circumstances. This gives you the ability to pursue compensation before a local judge up to certain monetary limits.
Claim limits: For most small claims court cases, you can expect a maximum payout of up to $10,000 depending on the strength of your case.
Court fees: You’ll have to pay some number of court fees that vary depending on the amount you claim against Credit One Bank.
The type of relief: Most small claims courts provide monetary awards if you win the lawsuit, while if you provide nonmonetary awards.
When it’s a good option: This is a good option if Credit One Bank hasn’t paid attention to you so far and you want to bring public attention to their missteps.
How to do it: Find the local courthouse you want to use to file your case against Credit One Bank and follow their instructions to file your small claims case.
What you can expect: You may receive a payout from Credit One Bank if you win your case, or they may decide to settle out of court to avoid the publicity.
You can find a guide on how to sue Credit One Bank in small claims court here.
What is it? The CFPB is a government regulatory agency that monitors the activities of financial institutions like Credit One Bank. As a result, you can use this agency to file an informal complaint against them and possibly prevent them from continuing their activities.
When it try it: If you’re less interested in compensation and want to make sure the government is aware of what Credit One Bank is doing, this could be a great path.
What you need to do: Filing an informal complaint with the CFPB is easy; just go to their website and follow their instructions.
What to expect: The CFPB is unlikely to personally respond to your complaint, but it will be posted online via a public database. The CFPB may use it later for regulations against other financial companies.
What is it? The BBB is a public platform that lets users or consumers publish complaints against companies registered with the organization. Many companies also use it to respond to customer complaints like a sort of public forum.
When to try this: This is a good choice if you want to pursue communication with Credit One Bank or if you want to bring any of their problems to light to the greater public.
What you need to do: You can visit Credit One Bank’s BBB page and file a complaint using the instructions posted there.
What you can expect: Credit One Bank may not respond to you directly unless one of their customer service reps notices your complaint specifically. However, this does occasionally work to get the attention of big organizations like Credit One Bank.
What is it? One of the more effective options involves independent arbitration; you’ll file a claim through an independent arbitrator, like the kinds FairShake employs, to circumvent the clause that prevents you from bringing a regular claim against Credit One Bank. This may result in compensation up to $10,000 and can seriously impact how Credit One Bank views your grievance.
When to try it: We’d recommend pursuing independent arbitration if Credit One Bank ever treats you unfairly or if you suspect that they are breaking the law or the clauses in your contract. We’ve got lots of experience dealing with companies like them, so we can handle anything they throw your case.
What you need to do: Just fill out one of the forms below to start your case against Credit One Bank!
What to expect: We’d be happy to explain all the aspects of independent arbitration right here.
Check out more articles about Credit One Bank lawsuits.
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