Big news for Credit One Bank customers! A $14 million class action settlement is set for 2025 to address claims of unwanted robocalls made between 2014 and 2019, violating the Telephone Consumer Protection Act (TCPA). If you got annoying automated calls from Credit One without your okay, you might be eligible for a payout, with estimates ranging from $100 to $1,000 per person. X users are buzzing, with one saying, “Just got a notice about the Credit One settlement—hoping for a check!” The court has given preliminary approval, and payments could start soon. Here’s everything you need to know about who qualifies, how much you could get, and when to expect your money.
Why Is This Settlement Happening?
Credit One Bank, a major credit card issuer for people with lower credit scores, faced a lawsuit claiming it made thousands of robocalls and prerecorded messages without permission from 2014 to 2019. These calls, often for marketing or debt collection, bugged customers and non-customers alike, breaking TCPA rules. The bank doesn’t admit fault but agreed to pay $14 million to settle and avoid a long legal fight. X posts note, “Those robocalls were relentless—glad they’re paying up!” After legal fees and costs, about $8–$9 million will go to claimants, with payments split based on how many valid claims are filed.
Who Can Get a Payout?
You might qualify for the Credit One Bank settlement if you meet these conditions:
- Got a robocall or prerecorded message from Credit One Bank or its debt collectors between 2014 and 2019.
- Didn’t give clear permission for these calls.
- Owned the phone number that got the calls, even if you weren’t a Credit One customer.
- Can provide your phone number for verification, though call logs or proof strengthen your claim.
The settlement includes people who got calls on wrong numbers too. Check your eligibility on the official settlement website once it’s live, expected after final court approval in early 2025.
| Eligibility Criteria | Details |
|---|---|
| Time Period | 2014–2019 |
| Call Type | Automated robocalls or prerecorded messages |
| Consent | No prior permission given |
| Payout Range | $100–$1,000 (depends on claims filed) |
How Much Will You Get?
Payouts are expected to range from $100 to $1,000 per person, depending on how many people file valid claims. The $14 million fund will cover legal fees, administrative costs, and then split the rest—about $8–$9 million—among claimants. If fewer people claim, you could get closer to $1,000; if many file, payments may drop to $100 or less. Providing proof like call logs or phone records can boost your share. X users say, “Hoping for $1,000, but even $100 helps!” Payments will come by direct deposit or check, your choice when filing.
When to Expect Your Check
The court gave preliminary approval in June 2025, but final approval is still pending, likely by early 2026. Once approved, a settlement website will launch with claim forms. You’ll need to submit your name, phone number, and any proof by the deadline, expected 60–90 days after the site goes live. Payments could start in March or April 2026, with direct deposits arriving faster than checks, which may take 2–4 weeks longer. Keep your contact info updated to avoid delays. X posts advise, “Check your email for settlement notices!” Visit creditonebank.com or call 1-800-625-6440 for updates.
How to File a Claim
Once the settlement website is active, filing a claim will be simple. Visit the official site, likely linked from creditonebank.com, and fill out the form with your name, phone number, and any call records. You can choose direct deposit or a paper check. If you got a notice by mail or email, you’re likely eligible, but anyone with a targeted phone number can apply. The deadline will be strict—probably early January 2026—so act fast. X users warn, “Don’t trust random links—use the official site!” Save copies of your claim for records.
Stay Safe and Plan Ahead
Scammers may try to trick you with fake settlement offers, so only use official channels like creditonebank.com or the settlement administrator’s site. Don’t share bank details via unsolicited texts or emails. Report fraud at reportfraud.ftc.gov. As America nears its 250th anniversary in 2026, this settlement is a win for consumer rights, holding banks accountable. If you got those pesky robocalls, check your eligibility, gather proof, and file your claim to get your share of the $14 million. As one X user said, “A few hundred bucks could cover my groceries!” Stay updated and grab your chance for a payout