If you ever got an annoying robocall from Credit One Bank—or even a voicemail with a prerecorded message between 2014 and 2019—you could be entitled to a payout of up to $1,000 as part of a newly announced $14 million class action settlement. The case centers around Credit One allegedly violating the Telephone Consumer Protection Act (TCPA) by placing unauthorized calls using automatic dialing systems or prerecorded messages—sometimes even to people who were never customers.
The best part? You don’t have to be a Credit One customer to get paid. If they called your number without your permission during that time, you may have money coming your way.
Who’s Eligible to Receive the Money?
You qualify if you meet these key conditions:
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You received a prerecorded or automated call from Credit One Bank or a related company between 2014 and 2019
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You did not give prior consent to be contacted
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You owned the phone number at the time of the call
This includes people who were mistakenly called due to outdated or incorrect phone records. Even if you never had an account with Credit One, you could still be eligible to claim part of the settlement.
How Much Could You Get?
Individual payouts could range anywhere from $100 to $1,000, depending on how many people file claims. After subtracting legal fees and administrative costs, there will be around $8 to $9 million left for direct payments.
Here’s the catch: if you can submit proof, like call logs or old phone bills showing the robocalls, you may get a higher amount. But even if you don’t have that documentation, you can still file a claim.
How and When Can You File?
Right now, the court is reviewing the settlement. Once approved, a dedicated settlement website will go live. There, you’ll be able to:
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Look up your eligibility using your phone number or a Claim ID (which could be mailed or emailed to you)
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Fill out a claim form with basic info about the calls you received
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Choose a payment method: direct deposit, PayPal, mailed check, or Venmo
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Submit your claim before the deadline (usually 60 to 90 days after the portal opens)
Keep an eye out for notifications by mail or email if your number appears in Credit One’s call records.
When Will You See the Money?
Once the claims process starts, it may take several months before checks go out. Here’s the estimated timeline:
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1 to 2 months for the court to approve the settlement and set up the claim site
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2 to 3 months for people to file claims
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3 to 4 months for the administrators to review and validate each submission
Expect payments to be sent out sometime between late 2025 and early 2026, depending on how fast the claim review process moves.
Why This Settlement Matters
This case is a big deal because it reinforces consumer protection laws under the TCPA. Credit One’s alleged use of robocalls without consent isn’t just annoying—it’s illegal. And now, many consumers who were on the receiving end of those calls may finally get compensated, whether they were customers or not.
It also sends a clear message to companies nationwide: if you use robocalls without proper permission, you could pay dearly.
What You Should Do Right Now
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Check your email and physical mail for a notice or Claim ID
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Prepare any documentation—like old call logs or voicemails, if you still have them
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Watch for the settlement site to launch, and bookmark it for fast filing
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Submit your claim early once the portal opens so you don’t miss the deadline
