If you picked up a robocall from Credit One Bank anytime between 2014 and 2019, you may be in line for a payout. A long-running class action lawsuit has ended in a $14 million settlement fund, with eligible customers potentially receiving between $100 and $1,000 each, depending on how many people file claims and the strength of their documentation.
Credit One Bank $1,000 Settlement: The Basics
- Settlement Fund: $14 million
- Estimated Net Fund for Claimants: $8–$9 million (after legal fees, admin costs, and service awards)
- Payout Range: $100 to $1,000 per person
- Case Background: Alleged violations of the Telephone Consumer Protection Act (TCPA) through unauthorized robocalls.
- Status: Settlement announced in June/July 2025. Claim process and deadlines not yet posted.
Credit One has agreed to settle without admitting wrongdoing.
Allegations Against Credit One Bank
The lawsuit, first filed in 2014, accused Credit One Bank of:
- Making automated or robocalls without consent.
- Using robocalls for debt collection reminders, marketing, and promotions.
- Calling both customers and non-customers, even after they requested the calls to stop.
These alleged practices were found to be in violation of the TCPA, which restricts automated calls without prior consent.
Who Can Claim?
You may be eligible if:
- You received automated or robocalls from Credit One Bank or affiliates without authorization.
- Calls occurred between 2014 and 2019.
- Calls were repeated and continued even after you requested they stop.
- You were a customer—or in some cases, not even a customer—who received calls regardless.
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How to Claim the Credit One Settlement
The official settlement website is not yet live, but here’s what to expect based on similar cases:
Online Filing (once live):
- Visit the official Credit One Bank Settlement website.
- Select Submit Claim and review the instructions.
- Enter your Claim ID or class member number (this will likely be mailed or emailed to you).
- Fill out the claim form with accurate information.
- Upload or attach any supporting documents (such as call logs, if requested).
- Review and submit.
Offline Filing:
- Print or request a claim form.
- Fill it out completely and mail it to the settlement administrator’s postal address (details will be provided in the official notice).
When to Expect Payment
- Final Approval Hearing: Likely Nov–Dec 2025.
- Claim Filing Deadline: To be announced when the website launches.
- Estimated Payout Date: If approved, payments may arrive by mid-2026.
Why Payouts Will Vary
The amount each claimant receives depends on:
- Total number of valid claims filed.
- Severity and frequency of robocalls (documentation may boost your payout).
- Net settlement funds available after costs.
FAQs:
How much can I get from the Credit One settlement?
Anywhere from $100 to $1,000, depending on claims volume and your documentation.
Do I need proof of the robocalls?
Not confirmed yet. Some settlements require documentation, while others accept sworn statements. Wait for the official website instructions.
When will I get my money?
If the court approves the settlement by late 2025, expect checks or electronic payments by mid-2026.
