Credit One Bank Class Action Settlement 2025, Check Eligibility for $1,000 Payout and Claim Process

Credit One Bank has agreed to a $14 million class action settlement following accusations that it made unauthorized automated calls to consumers between 2014 and 2019, in violation of the Telephone Consumer Protection Act (TCPA). The settlement aims to compensate individuals who received unwanted robocalls, with potential individual payouts ranging from $100 to $1,000.

According to legal filings, the bank used automatic dialing systems and prerecorded messages to reach both customers and non-customers without consent. While Credit One denies any wrongdoing, the agreement serves as a resolution to avoid further legal proceedings. Once the claim portal goes live on the official settlement website, eligible individuals will be able to file for compensation. Updates are expected to be available soon on the official Credit One Bank site.

After accounting for legal expenses, administrative fees, and other costs, approximately $8–$9 million of the total fund will be distributed among claimants. The final amount per individual will depend on the number of approved claims and supporting evidence submitted.

Allegations Behind the Lawsuit

The case, initiated in 2014, centers on Credit One Bank’s alleged misuse of automated dialing technology. Plaintiffs claimed that the bank used robocalls and prerecorded messages for marketing and debt collection purposes without proper consent.

Complainants reported receiving multiple calls per day, even after requesting that the calls stop. Some of these calls were reportedly made to individuals who had never been customers of Credit One Bank. According to the lawsuit, such practices violated TCPA regulations designed to protect consumers from unwanted communications.

Although the company continues to deny these allegations, it has agreed to the settlement to avoid prolonged litigation and mounting legal costs.

Who is Eligible to Receive Payment

Eligibility for the Credit One Bank settlement depends on whether a person received unauthorized robocalls during the covered period. Individuals do not need to have suffered financial loss to qualify; the key factor is whether Credit One or its affiliates made calls without prior consent.

To qualify, individuals must:

1. Have received one or more automated or prerecorded calls from Credit One Bank or related entities.
2. Have received such calls without express consent.
3. Have been contacted between 2014 and 2019.
4. Have been called for marketing, reminder, or debt-collection purposes.

If these conditions are met, the individual may be considered part of the class action group. Claim notices containing unique identification numbers will be sent to eligible members once the settlement website becomes active.

Filing a Claim for the Settlement

The process for submitting a claim has not yet begun, but it is expected to include both online and mail-in options once the settlement administrator launches the official website.

Online claimants will need to:

• Visit the official settlement portal when available.
• Enter their Claim ID or class member number from the mailed notice.
• Fill in the claim form with required details such as name, contact number, and claim information.
• Upload supporting evidence (such as call logs or voicemails) if requested.
• Review the form and submit it before the deadline.

For those who prefer to file by mail, a printed version of the claim form will be available for download. Once completed, the form must be mailed to the settlement administrator’s listed address before the submission deadline.

Payments will be distributed through either direct deposit or mailed checks once all claims are reviewed and approved.

Estimated Payout Timeline

While an official payment schedule has not been released, similar class action settlements provide a general estimate. If the final court approval occurs around November or December 2025, initial payouts may begin by mid-2026.

Stage	Estimated Date	Description
Settlement Announced	Mid-2025	$14M settlement agreement confirmed
Claims Portal Launch	Late 2025	Online and mail-based claims process opens
Court Approval Hearing	Nov–Dec 2025	Court reviews and approves settlement
Claim Submission Deadline	Early 2026	Final date for claim form submission
Distribution of Funds	Late 2026	Payouts sent to eligible claimants

This schedule assumes no appeal is filed. If an appeal is made, it could delay the distribution process by several additional months.

How Claimants Can Prepare

Potential claimants should begin gathering any information or documentation related to Credit One Bank calls from 2014 to 2019. Evidence such as phone records, call logs, or saved voicemails may strengthen a claim and increase the likelihood of a payout.

It’s also essential to remain cautious about fraudulent websites or third-party agents who offer to file claims for a fee. All legitimate claims under this settlement will be free to file through the official settlement administrator’s site.

Staying updated through official sources and verified legal news outlets will ensure that class members do not miss the opportunity once the claim process opens.

Significance of the Settlement

The Credit One Bank settlement serves as a reminder of how robust consumer protection laws, such as the TCPA, can hold corporations accountable for unauthorized communications. For thousands of consumers, this case not only offers compensation but also reinforces the importance of consent in digital and automated communication practices.

Once payments begin, it is expected that between $100 and $1,000 will be awarded per eligible claimant, depending on the total number of approved submissions. The case also underscores the broader national trend of class actions targeting unwanted robocalls, which have become one of the most common consumer complaints in the U.S.

Frequently Asked Questions:

What is the Credit One Bank settlement about?

The settlement resolves claims that Credit One Bank made unauthorized automated and prerecorded calls to consumers without their consent, in violation of the TCPA.

How much money will each claimant receive?

Eligible individuals may receive payments ranging from $100 to $1,000, depending on the total number of claims filed and verified.

When will the claim website go live?

The official settlement website is expected to launch by late 2025, following court approval and administrative setup.

Do I need proof of the robocalls to file a claim?

While not always required, submitting call logs, phone records, or voicemails can increase the likelihood of your claim being approved and possibly result in a higher payout.

When will I get paid?

If the court grants final approval by December 2025, payments may begin by mid-2026, barring any appeals or administrative delays.