If you received unwanted robocalls from Credit One Bank between 2014 and 2019, you may be entitled to compensation. The credit card company has agreed to a $14 million settlement to resolve allegations that it violated the Telephone Consumer Protection Act (TCPA Settlement Details) by placing automated calls without consent.
Even if you weren’t a customer, you could still be eligible for a payout if Credit One contacted your phone using a prerecorded or auto-dialed message. Here’s everything you need to know about the settlement, how much you could receive, and how to file a claim.
Why Is Credit One Bank Paying $14 Million?
Credit One faced multiple class-action lawsuits accusing it of contacting consumers via automated dialing systems without obtaining prior consent—a direct violation of the TCPA. These robocalls were allegedly made for both marketing and payment collection purposes.
Although the company denies any wrongdoing, it chose to settle to avoid a lengthy and expensive legal battle. The agreement provides eligible individuals with financial compensation and reinforces the importance of consumer privacy rights under federal law.
TCPA Settlement Overview
| Key Detail | Description |
|---|---|
| Total Settlement Fund | $14 million |
| Consumer Payout Pool | Estimated $8–$9 million (after fees) |
| Eligible Call Period | 2014 to 2019 |
| Eligibility Criteria | Received robocalls from Credit One without consent |
| Proof Required? | Not required, but helpful |
| Estimated Individual Payout | Between $100 and $1,000 |
| Claim Deadline | 60–90 days after claim site goes live |
| Review Timeline | Claims reviewed within 3–5 months |
| Payment Timeline | Payouts within 6–9 months post-approval |
| Payment Options | Check, PayPal, or Direct Deposit |
Who Is Eligible to File a Claim?
You may qualify for compensation if:
- You received an automated or prerecorded call from Credit One or its partners between 2014 and 2019
- You did not give prior consent to receive these calls
- You were the owner or primary user of the phone number contacted
Importantly, you don’t need to provide call logs or recordings to submit a claim. However, adding proof can increase the likelihood of your claim being approved. Credit One’s internal call records will also help verify eligible claims.
How Much Can You Expect to Receive?
The amount each person receives will depend on how many valid claims are filed. After legal and administrative costs are subtracted, the remaining $8–$9 million will be distributed among all approved claimants.
Expected payout range: $100 to $1,000 per person
The fewer valid claims submitted, the higher your potential compensation. So filing early could increase your chances of a larger payout.
How to File Your TCPA Settlement Claim
The claim process is simple and can be completed online. Here’s what to do:
- Wait for the court’s final approval of the settlement.
- Once approved, an official settlement website will go live.
- If your number is on Credit One’s call list, you may receive a notification via email or mail.
- Visit the website and fill out the online claim form with:
- Your name and contact info
- The phone number that received the calls
- Optional: Attach any supporting documentation
- Choose your preferred payment method: check, PayPal, or direct deposit.
- Submit your claim before the posted deadline (likely 60–90 days after the site launch).
⚠️ Important: Be cautious of scams. Only use the official settlement website to file your claim. You don’t need to pay anyone to file.
When Will You Receive the Settlement Payment?
Once the court gives final approval:
- Claims will be processed within 3 to 5 months
- Payments will be issued approximately 6 to 9 months after the approval date
If your claim is accepted, you’ll receive your payment using the method you selected during submission.
Why This Case Matters for Consumers
This isn’t just about money—it’s about enforcing your right to privacy and protection from robocalls. The TCPA was enacted to protect consumers from intrusive telemarketing practices. This case highlights the risks companies face when they fail to comply.
The settlement also serves as a warning to businesses that misuse automated dialing systems: consumer consent is not optional.
Final Thoughts: Take Action and Claim What’s Yours
The Credit One Bank TCPA settlement offers a chance for affected individuals to be compensated—potentially up to $1,000—without needing extensive proof or legal help. If you received robocalls from Credit One between 2014 and 2019, don’t miss your opportunity to file a claim.
Taking a few minutes now could help you recover money and send a clear message about respecting consumer privacy.
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