Has Credit One failed to refund unauthorized charges to your account and now you want to sue Credit One? You’re not alone.
Have there been unreasonable blocks or hold on your money, maybe hidden fees, excessive charges, or accounting errors? You might have tried unsuccessfully to get through to a representative who could fix the problem, explain that it was a simple error and offer a solution. Maybe you feel you have no other recourse but to sue Credit One. Here’s what you need to know.
Credit One Consumer Complaints
Credit One has faced class action lawsuits that their debt collection calls were unlawful. In the past they’ve also dealt with lawsuits pertaining to the hidden fees, payment issues, account errors, excessive charges, or transaction problems. They have a variety of credit card accounts available to their customers but they also have a variety of grievances filed by their customers for things like excessive monthly fees, inaccurate information on your credit report, or a litany of frustrations when trying to deal with fraudulent activity.
This nationally Chartered Bank is headquartered in Las Vegas and they have faced lawsuits in federal court in Chicago, West Virginia, California, and Florida. If you have a complaint about incorrect information reported to your credit score, a failure to remove fraudulent charges, hidden fees that you didn’t agree to and weren’t listed in your original agreement, or intentionally making it difficult to pay online and then charging you a fee for paying over the phone, you have options to fight back.
Use Consumer Arbitration to Settle Your Dispute
Credit One bank has a mandatory arbitration clause in its consumer agreement. So whether or not you realize it, your agreement probably prohibits you from joining a class action lawsuit like those Credit One has tackled in the past. Companies use these arbitration clauses to prevent class action lawsuits and to prevent you as an individual from suing them. But that doesn’t mean you have no options at your disposal. You can still fight back by suing in small claims court or using consumer arbitration.
Make sure you double-check your agreement with credit one for the arbitration clause. If there is no arbitration clause you might be able to join an existing class action lawsuit, or initiate one yourself.
If you are having difficulty getting a hold of the company, we can file your claim for you so you can avoid the endless games of phone tag and automated emails.
A consumer arbitration process is a great way to expedite and simplify your claim. Consumer arbitration is usually faster and when you use our service, much less complicated.
This process can get you a settlement a little bit earlier than with a small claims court. Many big companies like Credit One will settle once an arbitration process is initiated.
Steps to File a Claim Against Credit One using Consumer Arbitration
How to Sue Credit One Bank in Small Claims Court
If you want to sue Credit One in small claims court, you have to make sure that your claim falls under the requirements. In order to file a claim the compensation you are asking for has to be monetary, and since most of the complaints lodged against the company have to do with money issues this is pretty likely.
The amount of money you’re asking for has to fall within a range and most small claims courts have a minimum of $2,500 and a maximum of $10,000.
So, if you had to deal with difficult payment processes online and were overcharged monthly fees, late fees, or other fees that weren’t part of your original agreement, they might amount to only a few hundred dollars in which case you can’t use small claims court (but you can still use consumer arbitration).
Maybe they closed your account and you can’t get access to your money and if it was over $10,000, you can’t use small claims court (but again, you can still use consumer arbitration).
Every state has specific requirements and some counties add to the state requirements so you should check with your local County Clerk to see what you have to do. However most of the steps are generally the same:
Credit One Bank Corporate Headquarters:
Credit One Bank
6801 South Cimarron Road
Las Vegas, Nevada 89113*
*Note: The address you should use will be listed in your individual agreement.
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