Credit One Bank has agreed to a $14 million settlement in response to a class action lawsuit over unauthorized robocalls made between 2014 and 2019.
This settlement presents a significant opportunity for individuals affected across the United States to claim compensation, potentially receiving up to $1,000 each. The case highlights the ongoing efforts to enforce consumer privacy protections against unsolicited automated calls.
This detailed article will provide all essential information about the Credit One Bank $14 million robocalls settlement, including background, eligibility criteria, claim processes, compensation details, and important timelines. It also explains what you need to do to apply and maximize your claim.
Background of the Credit One Bank Robocalls Settlement
Credit One Bank, one of the largest credit card issuers in the US, came under legal scrutiny for allegedly using automated telephone calling systems (robocalls) without consumers’ prior consent.
These calls were sent as payment reminders or marketing messages and targeted not only Credit One customers but also many individuals with no affiliation to the bank.
Between 2014 and 2019, thousands of people received such calls, often repeatedly, even after requesting that Credit One cease contact.
This activity violated the Telephone Consumer Protection Act (TCPA), a federal law designed to protect consumers from unwanted automated calls and prerecorded messages.
Instead of litigating prolonged court battles, Credit One Bank agreed to settle the lawsuit in 2025, without admitting any wrongdoing, agreeing to pay $14 million to affected consumers.
Settlement Overview and Compensation Potential
The $14 million settlement fund is allocated to compensate individuals who received unauthorized robocalls from Credit One Bank or its affiliates within the class period of 2014 to 2019.
Table 1: At-a-Glance – Credit One Bank Robocalls Settlement Details
| Aspect | Information |
| Settlement Amount | $14 million |
| Eligibility Period | Robocalls received between 2014 and 2019 |
| Maximum Individual Payout | Up to $1,000 |
| Estimated Average Payment | Approximately $100 |
| Claim Deadline | To be announced (anticipated late 2025) |
| Payment Method | Likely check, direct deposit, or digital transfer |
| Consent Requirement | Calls must have been received without prior consent |
Compensation per claimant will vary depending on the total number of claims filed, administrative costs deducted, and individual circumstances such as the frequency of calls or any financial harm demonstrated.
Some claimants with extensive call records may receive sums closer to the upper limit of $1,000, though most payouts are expected to be around $100.
Who Is Eligible to File a Claim?
To qualify for the settlement payout, you must:
- Have received at least one robocall or prerecorded message placed by Credit One Bank or its affiliates.
- Have received these calls without providing prior consent to be contacted by automated means.
- Have received such calls during the covered timeframe from 2014 to 2019.
- Provide proof of phone number ownership during the period the calls were received, if requested.
Eligibility applies broadly, meaning you do not need to be or have been a Credit One customer. Individuals who received unsolicited robocalls on mobile or landline phones from Credit One during the class period may apply.
How to File a Claim
While the official Credit One Bank settlement website and claim portal are yet to be launched, the typical process involves:
- Waiting for Official Settlement Website Launch: Once online, you can start the claims process.
- Entering Identification Details: Provide your name, contact information, and phone number(s) that received the robocalls.
- Completing the Claim Form: Fill out the required forms accurately and submit.
- Submitting Supporting Documents (If Required): Some claims may request call records or other proof, but often this is optional.
- Submitting Your Claim Before the Deadline: Timely submission is critical to ensure your claim is considered.
You may receive notices via mail or email prompting you to file a claim, but you can also watch for announcements on legal settlement websites.
Once the court gives final approval and claims are verified, payments will be disbursed. The timeline from final approval to payout distribution can span from 3 to 6 months, barring any appeals.
Importance and Legal Context of the Settlement
Robocalls have become one of the most common consumer complaints, disrupting daily life and privacy. The Telephone Consumer Protection Act (TCPA) restricts the use of automated calling technology without express consent to protect consumers from unwanted intrusions.
Credit One Bank’s settlement reinforces the enforcement of these protections and serves notice that companies must respect consumer preferences and comply with federal communications laws.
While it shows no admission of wrongdoing, the $14 million payout is a significant financial consequence, offering relief to many annoyed or harmed by unauthorized calling campaigns.
Table 2: Timeline of Key Dates for Credit One Bank Settlement
| Event | Expected Date |
| Settlement Announcement | June-July 2025 |
| Claim Website Launch | Expected Late 2025 |
| Claims Submission Deadline | To be announced (likely weeks after launch) |
| Final Court Approval Hearing | Pending (Likely late 2025) |
| Expected Payouts Begin | Early to mid-2026 |
What Claimants Should Do Now
- Stay vigilant for official communications regarding the claims portal.
- Collect relevant phone records or evidence of calls received, if possible.
- Prepare to file promptly once the claim window opens.
- Inform family and friends who might also be eligible.
- Beware of scams—only submit claims through official settlement channels.
Conclusion
The Credit One Bank $14 million robocall settlement represents a major victory for consumer rights against unsolicited automated calls.
If you received repeated robocalls from Credit One or its affiliates between 2014 and 2019 without your consent, you may be entitled to compensation up to $1,000.
Acting quickly when claims open and submitting accurate information will help ensure you receive your fair share of the settlement. This settlement reminds all companies that compliance with privacy laws and respect for consumer preferences are essential.
FAQs
1. Who qualifies for the Credit One Bank $14 million robocalls settlement?
Anyone who received one or more unauthorized robocalls or prerecorded messages from Credit One Bank or its affiliates during 2014-2019.
2. How much can I get from the settlement?
The maximum payout is $1,000 per claimant, with average payments expected to be around $100, depending on the number of claims filed.
3. When can I file a claim?
The official claim website is expected to launch in late 2025. Check for official announcements and submit your claim before the deadline.
4. Do I need to prove that I received the robocalls?
While phone records can help, claimants may not always need to submit this proof. Check specific claim instructions when available.
5. How will I receive the settlement payment?
Payments will likely be distributed via check, direct deposit, or digital transfer after court approval and claim verification.
