If you’ve ever picked up your phone only to hear a robotic voice from Credit One Bank or one of their collection agencies, you’re not alone. Between 2014 and 2019, thousands of people were bombarded with unwanted robocalls—often without giving any permission. Now, thanks to a $14 million class action settlement, those calls could mean money in your pocket.
The Credit One Robocall Settlement 2025 is real and officially approved. It compensates individuals who received unauthorized calls using automatic dialing systems or prerecorded messages. You don’t need to be a current customer to qualify—even people with inactive or never-used accounts may be eligible. Filing is simple, and payments are already being processed.
Credit One Robocall Settlement 2025
The Credit One Robocall Settlement 2025 stems from a lawsuit claiming the bank and its third-party collectors violated the Telephone Consumer Protection Act (TCPA). This federal law restricts companies from using robocalls to reach cell phones without clear consent. Credit One allegedly ignored that rule, calling consumers—even after being told to stop.
Instead of continuing the legal fight, Credit One agreed to a $14 million settlement. Eligible individuals can now file claims and receive payouts, with estimates suggesting around $100 per person, depending on how many people participate. This case serves as a reminder that even frustrating robocalls can lead to justice—and compensation.
Overview of the Credit One Robocall Settlement
| Feature | Details |
| Settlement Amount | $14 million |
| Eligibility Period | 2014 to 2019 |
| Who Qualifies | Anyone who received robocalls from Credit One or its debt collectors without consent |
| Estimated Payout Per Person | Around $100 (may vary depending on claims) |
| How to Claim | File online via official website |
| Proof Needed | Phone number and basic ID verification |
| Claim Deadline | Specific date to be confirmed on settlement site |
| Payment Method | Check, direct deposit, or PayPal |
What’s the Deal with the Credit One Class Action Lawsuit?
The lawsuit accused Credit One Bank and its collectors of making illegal robocalls to people’s cell phones without consent. These calls used automatic dialers and often continued even after individuals requested that the calls stop. This kind of behavior directly violates TCPA regulations, which protect consumers from such intrusions.
Rather than prolonging the court battle, Credit One chose to settle. That means the bank does not admit guilt, but it does agree to pay affected individuals. This is a common resolution in class action cases and ensures victims get compensated faster.
How Much Did They Settle For?
The total settlement amount is $14 million, set aside to pay eligible claimants. How much each person gets depends on how many claims are filed. If fewer people submit claims, the payout per person could be higher. Early estimates placed the average payout around $100, but that figure can shift based on participation.
Even if your share ends up being less, it’s compensation for repeated unwanted calls—and it costs you nothing to claim. Filing only takes a few minutes, making it worth your time.
Am I Eligible?
You are likely eligible if:
- You received calls from Credit One or a third-party collector on your cell phone.
- The calls happened between 2014 and 2019.
- You did not give consent for those calls to be made using an autodialer or prerecorded voice.
You don’t have to be a current customer. Many people affected by this robocall issue never even activated their card or had long-closed accounts. What matters is whether the calls happened and whether you gave permission.
How Much Money Can You Get?
The expected payout is approximately $100 per person, but this is not guaranteed. The final amount will depend on how many people file valid claims. The fewer people who claim, the more each eligible participant may receive. Payments may be delivered by check, direct deposit, or PayPal.
No matter the exact figure, it’s money awarded for enduring something that was both disruptive and against the law.
How to File a Claim
Filing a claim is easy and can be done online:
- Visit the settlement website
Look up the official site (like CreditOneTCPASettlement.com). Be sure to use a secure, legitimate URL ending in .com or .org. - Enter your information
Use the claim number you received via mail or verify your phone number and ID online if you didn’t receive a notice. - Select a payment method
Choose how you’d like to receive your money—options usually include direct deposit, paper check, or PayPal. - Submit your claim before the deadline
Claims submitted after the deadline won’t be accepted, even if you’re eligible.
What If You Never Got a Notice?
Don’t worry—you can still file. Even if no letter arrived in your mailbox, you can check your eligibility on the settlement website by entering your phone number. If your number appears on the robocall lists from Credit One or its collectors, you’re included in the class and can claim compensation.
What If Credit One Harassed You About a Card You Never Used?
Many people reported getting robocalls related to cards they never activated or used. Some were even billed or had their credit damaged over unpaid balances for unused cards. If this happened to you, the robocall settlement may only be part of what you’re entitled to.
You may have grounds to take further action under the Fair Credit Reporting Act (FCRA). You can:
- Dispute incorrect debt with credit bureaus (Equifax, Experian, TransUnion)
- File a complaint with the Consumer Financial Protection Bureau (CFPB)
https://www.consumerfinance.gov/complaint/ - Consult with a consumer rights attorney, especially if your credit report was harmed
Bottom Line
The Credit One Robocall Settlement 2025 offers a real opportunity for individuals who were affected by illegal robocalls. If you received one of these calls between 2014 and 2019—without giving permission—you likely qualify for a payout. Filing takes only minutes, and you don’t need a lawyer.
This is a chance to be compensated for something that was frustrating and unlawful. And if you faced bigger issues, like wrongful billing or damage to your credit, there are legal tools to help you take further action. Don’t miss out on what you’re owed.
FAQs
Is this class action real or a scam?
It’s real. The lawsuit and settlement are public records filed in federal court.
Do I need a lawyer to claim my money?
No, filing a claim is simple and can be done online for free.
What if I didn’t get a notice?
You can still file. Enter your phone number on the settlement site to check eligibility.
Can I file if I’m a current Credit One customer?
Yes. Current and former customers are both eligible as long as they received robocalls without consent.
When will I get paid?
Payments are typically sent out a few months after the claim deadline and final court approval.
