Credit One Bank and any collection agencies it uses must follow strict federal consumer protection laws. Excessive or repeated phone calls can constitute harassment under the FDCPA. Debt collectors are prohibited from making false threats about lawsuits, wage garnishment, or arrest to pressure you into paying. If you did not receive a written debt validation notice within five days of... https://protectionforconsumers.com/end-credit-one-bank-debt-collection-harassment/