In 2025, Credit One Bank, a major U.S. credit card provider, settled a class-action lawsuit for $14 million. The lawsuit claimed the bank made thousands of unwanted robocalls to people between 2014 and 2019, violating the Telephone Consumer Protection Act (TCPA). If you received these calls, you might be eligible for compensation of up to $1,000. This article explains who qualifies, how much you could get, and how to claim your share in simple terms.
What Is the Credit One Bank Settlement About?
Credit One Bank was accused of using automated systems to make robocalls without permission. These calls, often about payment reminders or marketing offers, targeted both customers and non-customers. Many people asked the bank to stop, but the calls continued, leading to the lawsuit. Instead of going to trial, Credit One Bank agreed to pay $14 million to settle the case, though they did not admit any wrongdoing.
The settlement aims to compensate those affected by these intrusive calls. After legal fees and administrative costs, about $8–$9 million will be available for claimants. The amount each person receives depends on the number of valid claims filed.
Who Is Eligible for the Credit One Bank Settlement?
To qualify for a payout, you must meet specific criteria. Here’s a simple breakdown:
Eligibility Requirements
- Received Robocalls: You must have received an automated or prerecorded call from Credit One Bank or its affiliates between 2014 and 2019.
- No Consent Given: You did not give permission for these calls.
- Phone Number Ownership: You should be able to prove you owned the phone number that received the calls, though this is not always required.
- Non-Customers Included: Even if you were not a Credit One Bank customer, you may still qualify if you received these calls.
| Eligibility Criteria | Details |
|---|---|
| Time Period | 2014–2019 |
| Type of Call | Automated or prerecorded robocalls |
| Consent | No permission given for calls |
| Documentation | Optional, but phone logs or billing statements can help |
How Much Can You Get Paid?
The payout amount depends on how many people file valid claims. Estimates suggest individual payments could range from $100 to $1,000. If you have proof, like phone logs or billing statements showing the calls, you may receive a higher amount. However, you can still file a claim without documentation and receive a portion of the settlement. After legal and administrative costs, the remaining $8–$9 million will be divided among eligible claimants.
Factors Affecting Your Payment
- Number of Claims: More claims mean smaller individual payouts.
- Proof Provided: Documentation can increase your share.
- Court Approval: Payments will only be distributed after final court approval.
How to File a Claim for the Credit One Bank Settlement
Once the court gives final approval, a dedicated website will be launched for submitting claims. If your contact information is in Credit One Bank’s records, you may receive a notice by email or mail with a unique Claim ID for faster filing. Here’s how to file your claim:
Steps to File a Claim
- Visit the Official Website: Go to the settlement website (e.g., mahan-farms.com, to be confirmed after court approval).
- Provide Personal Information: Enter your full name, contact details, and the phone number that received the calls.
- Include Call Details: Note any known dates or time periods when you received the robocalls.
- Submit Documentation (Optional): Upload phone logs or billing statements if available.
- Sign an Affidavit: Confirm the truthfulness of your claim under penalty of perjury.
- Choose Payment Method: Select bank transfer, check, or PayPal.
- Submit Before Deadline: Claims must be filed within 60–90 days after the website goes live.
Important Tip: Beware of scams. Never pay to file a claim, and only use the official settlement website or communications.
When Will You Get Paid?
The court has not yet set a final payment date. After final approval, the settlement administrator will review all claims for eligibility. This process may take several months. Once verified, payments will be sent via your chosen method (direct deposit, check, or PayPal). Keep an eye on your email or mailbox for updates, and save any evidence of robocalls to strengthen your claim.
Why This Settlement Matters
This settlement is a win for consumer rights. It shows that companies must follow laws like the TCPA, which protects people from unwanted robocalls. If you were bothered by Credit One Bank’s calls, this is your chance to seek compensation and hold the bank accountable. It also reminds other companies to respect consumer privacy.
Tips to Avoid Scams
- Use Official Channels: Only trust the official settlement website or notices from the settlement administrator.
- Don’t Pay Fees: Filing a claim is free. Avoid anyone asking for payment to process your claim.
- Check Updates: Monitor the official website for the latest information on claim filing and payment dates.
Conclusion
The Credit One Bank $14 million settlement offers relief to thousands of people who received unwanted robocalls between 2014 and 2019. With potential payouts of up to $1,000, it’s worth checking if you qualify. Once the court approves the settlement, visit the official website to file your claim, and keep any proof of calls to boost your payout. This settlement highlights the importance of consumer protection and ensures that companies like Credit One Bank face consequences for violating privacy laws. Stay informed, act quickly, and claim your share!
FAQs
Who can file a claim for the Credit One Bank settlement?
Anyone who received an automated or prerecorded robocall from Credit One Bank or its affiliates between 2014 and 2019 without giving consent is eligible. Non-customers may also qualify.
How much money can I expect from the settlement?
Payments are estimated to range from $100 to $1,000, depending on the number of claims and whether you provide proof like phone logs.
When will the settlement website be available?
The official website will launch after the court gives final approval. Check your email or mail for a notice with a Claim ID.
Do I need proof to file a claim?
No, proof is not required, but providing phone logs or billing statements can increase your payout.
How can I avoid settlement scams?
Only use the official settlement website or communications. Never pay to file a claim, and verify all information through trusted sources.