Credit One Bank has agreed to a $14 million class action settlement after facing allegations that it placed unauthorized automated calls between 2014 and 2019. The case stems from claims that the bank violated the Telephone Consumer Protection Act (TCPA) by using autodialers and prerecorded messages without obtaining proper consent from recipients.
While the bank denies any wrongdoing, the settlement offers a financial resolution to thousands of individuals who say they were contacted without permission — giving many a chance to receive payments ranging from $100 to $1,000 once the claims process begins.
What the Lawsuit Is About
At the center of this case are accusations that Credit One Bank and its partners made unwanted robocalls to both customers and non-customers. Many reported receiving repeated messages — even after asking to be removed from calling lists.
Under the TCPA, companies are prohibited from using automated dialing systems or prerecorded messages unless they have a consumer’s “prior express consent.” The plaintiffs allege that Credit One ignored this rule and bombarded people with marketing messages, payment reminders, and debt collection calls.
Some claimants say they received multiple calls a day, even if they had no active account with the bank. Although Credit One maintains it did nothing illegal, the company opted to settle the lawsuit to avoid a lengthy court battle and to compensate affected individuals fairly.
Who Qualifies for a Payment
You may be eligible to claim a portion of the settlement if you meet these criteria:
- You received one or more automated or prerecorded calls from Credit One Bank or one of its affiliates.
- The calls were made without your prior consent.
- The calls occurred sometime between 2014 and 2019.
- You were either a customer or a non-customer who was contacted.
If you fit these conditions, you’ll likely receive an official notice — either by mail or email — once the claim portal is live. This notice will include your Claim ID or class member number, which you’ll need to submit your claim.
How to File Your Claim
Once the official settlement website is launched (expected by late 2025), claimants will be able to file either online or by mail. The process will likely include:
- Visiting the official settlement website (link to be announced).
- Entering your Claim ID or class member number.
- Completing the claim form with your name, contact information, and phone numbers that received the calls.
- Uploading supporting evidence, such as call logs, phone bills, or voicemail records, if requested.
- Submitting the form before the final deadline.
For those who prefer traditional mail, a paper claim form will also be available. Always keep a copy of your submission and proof of mailing for your records.
After review and approval, payments will be distributed through check or direct deposit, depending on your chosen method.
Expected Timeline
Although some key dates are not yet public, here’s the estimated schedule based on similar settlements:
| Milestone | Estimated Date |
|---|---|
| Settlement announcement | Mid-2025 |
| Claim website launch | Late 2025 |
| Final approval hearing | November–December 2025 |
| Claim filing deadline | Early 2026 |
| Payments issued | Mid to late 2026 |
Please note: if any appeals or objections arise, payments could be delayed beyond 2026. The review process can take several months, especially for large class actions involving thousands of claims.
How to Strengthen Your Claim
Not all claims will result in the same payout. To increase your chance of receiving the maximum possible amount (up to $1,000), gather and provide any evidence showing that you received robocalls from Credit One. Helpful proof can include:
- Mobile or landline phone records
- Screenshots of call logs
- Saved voicemails or messages from the bank
Claims with solid documentation typically receive higher compensation. Claims with limited or no proof may result in smaller payouts.
Be Cautious of Fake Websites
Until the official claims portal is announced, avoid websites or social media pages claiming to file your claim for a fee. The real settlement site will always be free, and the link will be provided in official court documents or notices. Credit One Bank’s own website (creditonebank.com) may also share verified updates once available.
Frequently Asked Questions
Do I need to be a Credit One customer to qualify?
No. Both customers and non-customers who received unauthorized robocalls from the bank are eligible to file claims.
Is proof of a call required?
Not in all cases, but documentation like call logs or phone bills can strengthen your claim and help ensure a faster approval.
When will payments be made?
If the court grants final approval and there are no appeals, payments are expected within 3–6 months after approval — likely sometime in mid to late 2026.
What if I miss the deadline?
If you don’t submit your claim before the deadline, you’ll lose your right to any payment from this settlement.
Bottom Line
The Credit One Bank robocall settlement is another reminder that consumers have rights when it comes to unwanted automated calls. Although the process is still unfolding, eligible individuals could see payments of up to $1,000 once claims open later in 2025.
Stay alert for updates — and make sure to file your claim only through the official website once it goes live.
