Rebeca Mingura Credit One Lawsuit: Full Case Update 2026

Rebeca Mingura Credit One lawsuit is a real court case. A woman named Rebeca Mingura says Credit One Bank called her over and over, trying to collect a debt even after she asked them to stop.

She filed a lawsuit in August 2025. It’s still open today. No judge has ruled on it yet, and there is no confirmed settlement.

This matters because it could affect other Credit One customers too, not just Mingura. If you’ve ever gotten too many calls from a bank you owe money to, this case touches on rights you probably already have.

What Is the Rebeca Mingura Credit One Bank Lawsuit?

That’s the short version. The rest of this guide walks through what each part actually means, and what’s confirmed versus what’s just rumor online.

Case Snapshot

Here’s the case at a glance.

Detail	Information
Case name	Mingura v. Credit One Bank, N.A.
Case number	4:25-cv-06712
Court	U.S. District Court, Northern District of California
Filed	August 8, 2025
Plaintiff’s lawyers	David McGlothlin and Pamela E. Prescott, Kazerouni Law Group APC
Laws in the claim	TCPA, RFDCPA, California UCL
Current status	Active. No ruling, no settlement, no class certified yet
Filing fee paid	$405
First filings	Complaint, proposed summons, and a certificate of interested entities all filed August 8, 2025

Who Is Rebeca Mingura, and Why Did She Sue Credit One Bank?

Picture this. You’re older. Money is tight. You’re already dealing with health problems. And your phone rings again. And again. Sometimes twice in ten minutes.

That’s the picture Mingura paints in her lawsuit. She says she’s a disabled senior citizen who was already struggling financially and medically when Credit One Bank started calling her.

According to court reporting, the calls were about three separate accounts she allegedly owed money on. They started in April 2025. She says the calls came by phone, text, and email not just one channel, but all of them at once.

She says she told the bank to stop. The calls, she claims, kept coming anyway.

The Alleged Timeline (April–July 2025)

Here’s how the events are described in reporting on the case:

1. April 2025 — Credit One Bank allegedly starts contacting Mingura about debts on three accounts.
2. April–July 2025 — She says the calls pile up fast, sometimes several a day.
3. July 2025 — She hires a lawyer. Her attorney sends Credit One Bank a formal letter telling them to stop.
4. After the letter — She claims the calls kept happening anyway.
5. August 8, 2025 — She files the lawsuit.

What Laws Does the Lawsuit Rely On?

Let’s break each one down in plain words.

The Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227

TCPA is a federal law from 1991. It controls how companies can call your cell phone.

The law itself says it’s illegal to make a call “using any automatic telephone dialing system or an artificial or prerecorded voice” to a cell phone, without the person’s OK first. That’s straight from the statute, 47 U.S.C. § 227(b)(1).

Here’s the part people often miss: this law covers debt collectors too, not just telemarketers. And if you tell a company to stop calling even after you gave them permission, new calls can break the law.

Here’s what that looks like in real life. Say you gave a bank your number when you opened a credit card. Later, you fall behind on payments, and the calls start piling up. You call and say, “Please stop contacting me by phone.” From that moment on, your earlier permission no longer counts. Any new automated call can be a fresh TCPA violation even though you said yes once before.

California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA)

Rosenthal Act is a California state law. Think of it as backup for a similar federal law (the FDCPA), but with fewer loopholes.

It bans debt collectors from using harassing, oppressive, or abusive tactics. Calling someone over and over, at odd hours, or after they’ve asked you to stop can fall into that category.

California’s Unfair Competition Law (UCL)

UCL is broader. It bans “unlawful, unfair, or fraudulent business practices” in California. Lawyers often add a UCL claim on top of other claims, because almost any violation of another law can also count as an “unlawful” business practice under the UCL.

How Much Money Could Be at Stake?

Let’s do that math together, step by step, so it’s not just a scary number.

Say a judge decided every single one of those 578 calls broke the law “on purpose” (what the law calls “willful”). That would be:

578 × $1,500 = $867,000

Now say a judge instead decided the calls were more of an honest mistake (“negligent”):

578 × $500 = $289,000

Real cases almost never land at either extreme. Judges look at each call, not just the total count. And the Rosenthal Act adds treble damages, meaning triple for cases involving senior citizens, which could push the number even higher if Mingura wins.

So think of this range as a “worst case math problem,” not a prediction of what she’ll actually get.

One more thing worth knowing: Mingura isn’t only asking for money. Her lawsuit also asks the court for injunctive relief, a court order telling Credit One Bank to stop the calling practices altogether. So even separate from any damages, part of the goal here is simply making the calls stop for good.

Is the Rebeca Mingura Lawsuit a Class Action?

What “Proposed” Class Action Really Means

This is where a lot of online articles get sloppy, so let’s slow down.

Filing a class action is like raising your hand and asking a teacher, “Can I speak for the whole class?” The teacher in this case, the judge hasn’t said yes yet.

Common mistake: people see the words “class action filed” and assume it means “you’re already owed money.” That’s not true. A class only becomes real once a judge certifies it. That can take many months, sometimes over a year, and it doesn’t always happen at all.

For comparison, other TCPA class actions against banks have taken well over a year just to reach the certification stage, and some never got certified because the judge decided the claims were too different from person to person.

Is There a Credit One Bank Settlement?

Here’s the mix-up, laid out clearly:

• Mingura’s case is a private class action lawsuit filed by one consumer’s lawyers. It’s still active, with no ruling and no payout.
• The $10.2 million case was a government enforcement action. It was brought by district attorneys from Riverside, San Diego, Santa Clara, and Los Angeles counties in Riverside Superior Court (Case CVRI2101654). It settled in February 2026. Credit One did not admit wrongdoing.

These are not the same lawsuit, even though the underlying complaint about too many debt collection calls sounds almost identical.

If you’ve seen a headline saying “Mingura settlement” with a dollar figure attached, treat it carefully. As of now, that specific claim isn’t backed up by anything in the actual court file.

Has Credit One Bank Been Sued Before?

Yes, this isn’t Credit One’s first time facing TCPA claims in court.

In one earlier case in New York, a court ruled against Credit One after it made hundreds of calls to a customer’s number using a dialing system that qualified as an “automatic telephone dialing system” under the law. That case ended in a judgment worth around $190,000, based on the per call rate set by the statute.

Separately, the Ninth Circuit Court of Appeals, the same appeals court that oversees the district where Mingura’s case is filed, ruled in a different Credit One case that a company can still be liable even if it had permission from the person it meant to call, if it ends up calling the wrong person instead.

So the pattern is: Credit One has faced this kind of claim more than once, and courts in this same part of the country have generally sided with consumers on the “wrong number” defense.

Comparison Table: Mingura Case vs. Prior Credit One Litigation

Case	Year	Type of Claim	Outcome
Mingura v. Credit One Bank	2025–present	TCPA, RFDCPA, UCL	Pending no ruling yet
Earlier New York TCPA case	2019	TCPA (dialing system dispute)	About $190,000 judgment
California DA enforcement case	2026	State debt-collection law	$10.2 million settlement (separate case)

What Is the Current Status of the Case?

As of the most recent update available to us, here’s what’s confirmed:

• The complaint has been filed.
• A summons has gone out.
• No response from Credit One Bank has been publicly recorded yet.
• No class has been certified.
• No settlement has been reached.

You may see other websites mention a specific judge’s name or an exact arbitration hearing date. We were not able to confirm those details against the official court docket, so we’re leaving them out rather than repeating something we can’t verify.

If you want to check the latest status yourself, you can look up Case No. 4:25-cv-06712 through the court’s own PACER system, or through free docket mirror sites like Justia Dockets or PacerMonitor. That way you’re always reading the actual filings, not someone else’s summary of them, including this one.

What Should You Do If You’re Getting Similar Debt Collection Calls?

Whatever happens in Mingura’s case, the law behind it applies to you too. Here’s what to do if a bank or debt collector is calling you too much.

6. Write down every call. Note the date, time, and phone number.
7. Save voicemails and texts. Especially ones using a robot voice or a recording.
8. Send a written stop request. Email or certified mail works. Keep a copy for yourself.
9. Check your account history. Did you actually give them that phone number? Is it still your number?
10. Talk to a consumer protection attorney before assuming you’re owed money. Every case depends on its own facts.

Here’s a quick real world example. Say you switched phone numbers two years ago. The person who had your new number before you gave a bank permission to call it. Now that bank is calling you by mistake, trying to reach someone else. Under the law, that still isn’t allowed the company needs consent from whoever it’s actually calling, not just whoever it meant to call.

Frequently Asked Questions

Q1. What is the Rebeca Mingura Credit One lawsuit about?

Rebeca Mingura says Credit One Bank called her over 578 times in four months trying to collect debt on three accounts, even after she asked them to stop. She’s suing under the TCPA, the Rosenthal Act, and California’s UCL.

Q2. Is Credit One Bank being sued right now?

Yes. The Mingura case is active in the Northern District of California. Credit One has also faced other TCPA lawsuits in the past.

Q3. What is the Telephone Consumer Protection Act (TCPA)?

The TCPA is a 1991 federal law that limits robocalls and automated calls to cell phones. It requires the person’s consent first, and that consent can be taken back at any time.

Q4. How much can you sue for under the TCPA?

The law allows $500 per violation if it was accidental, and up to $1,500 per violation if it was done on purpose. Courts decide which rate applies case by case.

Q5. Is there a Credit One Bank settlement in 2026?

Credit One paid $10.2 million in February 2026 to settle a separate case with California district attorneys. That is not the same case as Mingura’s lawsuit, which has no confirmed settlement yet.

Q6. Is Credit One Bank the same company as Capital One?

No. These are two completely separate banks with different owners and different products. A lawsuit against one has nothing to do with the other.

Q7. Can I join the Rebeca Mingura class action?

Not yet, because no class has been certified by a judge, if a class is approved later, affected Credit One customers would typically be notified through the court process.

Q8. What should I do if a bank keeps calling me after I’ve asked them to stop?

Keep a written log of every call, save any voicemails, send a written stop request, and talk to a consumer protection attorney about your options.

Conclusion

Rebeca Mingura Credit One lawsuit is a real, active case not a rumor. Mingura says Credit One Bank called her hundreds of times trying to collect debt, even after she asked them to stop, and she’s suing under three different consumer protection laws.

Right now, nothing has been decided. There’s no ruling, no confirmed settlement, and no approved class yet.

If you’re dealing with something similar too many calls, calls after you asked them to stop, or calls to the wrong number don’t wait it out quietly. Write everything down, and talk to a licensed consumer protection attorney about your specific situation.