Rebecca Mingura Credit One Lawsuit 2026: Full Details & $10.2M Settlement

In 2026, Rebecca Mingura filed a landmark Credit One Bank lawsuit alleging harassing debt collection practices. This class action highlights violations of federal and state consumer protection laws and has led to major discussions about financial ethics and borrower rights in the USA. ([topclassactions.com](https://topclassactions.com/lawsuit-settlements/lawsuit-news/credit-one-bank-class-action-alleges-harassing-debt-collection-practices/?utm_source=chatgpt.com))

Background: Rebecca Mingura vs Credit One Bank

Mingura claims Credit One Bank repeatedly contacted her via phone, texts, and emails, violating her requests to stop. Allegedly, these calls numbered in the hundreds over a few months, causing emotional distress. The lawsuit asserts violations of:

• Telephone Consumer Protection Act (TCPA)
• California Rosenthal Fair Debt Collection Practices Act (RFDCPA)
• California Unfair Competition Law

Federal court filings in California cite these repeated violations and aim to protect consumers against aggressive debt collection practices. ([topclassactions.com](https://topclassactions.com/lawsuit-settlements/lawsuit-news/credit-one-bank-class-action-alleges-harassing-debt-collection-practices/?utm_source=chatgpt.com))

Allegations & Claims

• Hundreds of unsolicited debt collection calls
• Harassment despite cease-and-desist requests
• Violation of TCPA & RFDCPA
• Claims of emotional and physical distress

Credit One $10.2M Settlement Overview

A related investigation by California district attorneys led to a $10.2 million settlement with Credit One Bank. The settlement includes:

• $9M in civil penalties
• $1.2M investigative costs
• Revised collection practices to prevent harassment

Credit One denies wrongdoing but agreed to settlement to avoid extended litigation. ([prnewswire.com](https://www.prnewswire.com/news-releases/credit-one-bank-settles-investigation-by-california-district-attorneys-denies-any-wrongdoing-302693738.html?utm_source=chatgpt.com))

What This Means for Consumers

Consumers affected by harassing calls may qualify to join the class action. Potential outcomes include:

• Statutory damages under TCPA & RFDCPA
• Injunctive relief to stop harassing calls
• Stronger protection for borrowers

FAQs

What is TCPA?

The Telephone Consumer Protection Act restricts unsolicited telemarketing calls and automated messages.

Can I join this lawsuit?

If you received similar calls from Credit One Bank, you may be eligible for class action participation.

Does the $10.2M settlement apply to Ms. Mingura?

The settlement is related but separate; it demonstrates regulatory action and broader consumer protection. ([prnewswire.com](https://www.prnewswire.com/news-releases/credit-one-bank-settles-investigation-by-california-district-attorneys-denies-any-wrongdoing-302693738.html?utm_source=chatgpt.com))

Conclusion

The Rebecca Mingura Credit One lawsuit underscores the importance of legal compliance and consumer protection in financial services. By understanding these cases, borrowers can protect themselves and be aware of their rights. ([topclassactions.com](https://topclassactions.com/lawsuit-settlements/lawsuit-news/credit-one-bank-class-action-alleges-harassing-debt-collection-practices/?utm_source=chatgpt.com))

Disclaimer: This article is informational and not legal advice. Consult an attorney for personal guidance.