Thousands of Americans may receive between $100 and $1,000 over unwanted robocalls—here’s how to know if you qualify and when payments may arrive.
Credit One Bank Agrees to Pay $14 Million in Robocall Settlement
Credit One Bank has agreed to a $14 million class-action settlement to resolve allegations of violating federal telemarketing laws by placing unsolicited robocalls to individuals without their prior consent. The alleged violations occurred between 2014 and 2019 and involve the use of automated dialing systems and prerecorded voice messages in violation of the Telephone Consumer Protection Act (TCPA).
Under the settlement, eligible individuals may receive payments ranging from $100 to $1,000, depending on the number of valid claims submitted and the documentation provided by each claimant.
Table of Contents
Why Credit One Bank Is Paying Millions in Compensation
Allegations of Widespread TCPA Violations
The class-action lawsuit accused Credit One Bank and its affiliates of using automated calling systems to contact not only existing customers but also individuals with no prior relationship to the bank. These calls allegedly occurred without obtaining prior express consent, which is a clear violation of the TCPA—a law designed to protect consumers from unwanted and intrusive marketing calls.
The lawsuit claimed the bank’s actions caused significant annoyance and disruption to recipients over a five-year period.
Settlement Does Not Admit Guilt
While Credit One Bank has agreed to the settlement terms, it does not admit wrongdoing. The $14 million settlement is meant to resolve the claims and compensate impacted individuals without further litigation.
What You Could Receive: Estimated Payment Range
Between $100 and $1,000 Per Person
Once legal fees and administrative costs are deducted, about $8 million to $9 million of the $14 million fund is expected to be available for distribution to claimants. Individual payouts are estimated to range from $100 to $1,000.
The actual amount each person receives will depend on several factors:
- Number of valid claims filed
- Strength of submitted documentation (such as call logs or phone bills)
- **Whether the claimant opted for digital, check, or direct deposit payment methods)
Claimants who provide stronger evidence of receiving unsolicited robocalls may be eligible for larger payments, but even those without documentation may still qualify for a base payout.
Who Is Eligible for the Credit One Bank Settlement?
Criteria for Qualifying
To be eligible for compensation under the settlement, individuals must:
- Have received a prerecorded robocall or automated phone call from Credit One Bank or its affiliates between 2014 and 2019.
- Not have given prior express consent to be contacted by such methods.
- Be able to verify ownership of the phone number that received the calls during the relevant period.
Importantly, individuals do not need to be Credit One customers to qualify. Many calls were reportedly placed to wrong numbers or recycled phone numbers, meaning you may be eligible even if you had no direct connection to the bank.
How to File a Claim for the Robocall Settlement
What Information You’ll Need
Once the court grants final approval of the settlement, a dedicated settlement website will go live. Eligible individuals can submit claims by providing:
- Full legal name and current contact information
- Phone number(s) that received the robocalls
- Approximate dates of the calls (if known)
- Supporting documents such as call logs or phone bills (optional but helpful)
- A sworn statement under penalty of perjury affirming the accuracy of the claim
Claimants may also receive a Claim ID number via email or postal mail if their contact details are found in Credit One’s call records. This will make filing a claim faster and easier through a pre-filled online form.
When Will Payments Be Sent Out?
Timeline for Court Approval, Filing, and Disbursement
The final court approval hearing has not yet been scheduled, but once it occurs, the following timeline is expected:
- The settlement website will go live within 30 to 45 days
- The claims window will remain open for 60 to 90 days
- The review and verification process will take 3 to 5 months
- Payments will be distributed approximately 6 to 9 months after court approval
Delays are possible if the court receives objections or legal challenges, but claimants can stay informed by checking the official settlement portal or monitoring email and mail notices.
What Happens If You Do Nothing?
Anyone who does not file a claim during the designated window will forfeit their right to compensation. You must take action by submitting a claim or opting out if you do not wish to participate. Objecting to the settlement or choosing to pursue your own legal remedy are also options—each with its own deadline and legal implications.
Final Thoughts
The Credit One Bank robocall settlement offers financial compensation to individuals who were affected by aggressive and unsolicited automated calls over a five-year period. With individual payouts ranging from $100 to $1,000, this is a significant opportunity for consumers to reclaim some measure of privacy and accountability—but only if they file a claim on time.
To maximize your chance of receiving compensation:
- Watch for an email or letter with a Claim ID
- Keep an eye out for the official settlement website launch
- Submit your claim as early as possible
Want a short version of this for email, social media, or a blog post? Let me know and I’ll condense it while keeping it informative and shareable.