Credit One Bank TCPA Robocall Settlement: What You Need to Know Before Filing a Claim
If your phone has been ringing non-stop with automated calls from Credit One Bank, you’re not alone. Thousands of customers have reported receiving repeated robocalls about their accounts — sometimes multiple times a day — even after requesting the bank to stop. For many, these calls came at inconvenient times or to numbers they never authorized the bank to contact.
This ongoing frustration led to a class action lawsuit accusing Credit One Bank of violating the Telephone Consumer Protection Act (TCPA) — a federal law designed to protect consumers from unwanted robocalls. The case has resulted in a settlement that may provide compensation to affected customers. But with many scams around settlements, people often ask: Is this settlement legitimate? Who qualifies? What should I do next?
This article breaks down everything you need to know about the Credit One Bank TCPA robocall settlement, how to verify if it’s real, and practical steps to protect yourself.
Is This Settlement Real? How to Verify Legitimacy
Let’s address the most important question first: Yes, this is a legitimate class action settlement involving Credit One Bank and TCPA violations.
However, scammers often exploit real settlements to trick people into sharing personal info or paying fake fees. Here’s how to stay safe:
- Check official sources only. Legitimate settlement notices come via U.S. mail to your registered address or court-authorized emails. The notice includes case numbers, court info, and the appointed settlement administrator’s contact. Verify this by searching federal court dockets at PACER or visiting the official settlement website listed in court documents.
- Never pay upfront fees. Real class actions never require payment to file a claim. If anyone asks for credit card details or processing fees, it’s a scam. The Federal Trade Commission (FTC) warns that legitimate settlements are free to join for eligible members.
- Watch for red flags. Be suspicious of unsolicited calls saying you’ve won a settlement, emails pressuring immediate action, requests for sensitive info like Social Security numbers via email, or links to unofficial websites with misspelled URLs.
- Verify independently. Don’t call numbers or click links in suspicious messages. Instead, search the case name yourself, contact Credit One Bank directly using the number on your card or their official website, or check the Consumer Financial Protection Bureau’s settlement database.
The Better Business Bureau (BBB) reports that settlement scams have increased by 47% recently, so verifying legitimacy is crucial.
What Is the Settlement & Why Does It Matter?
The Credit One Bank TCPA robocall settlement arose because the bank allegedly made automated calls to customers’ cell phones without proper consent, violating federal law.
The Telephone Consumer Protection Act (TCPA), passed in 1991, gives consumers control over who can contact them by phone. It restricts the use of autodialers — systems that automatically dial numbers and play recorded messages or connect to live agents. These systems can make thousands of calls per hour and are therefore tightly regulated.
Under TCPA rules, companies must obtain your “prior express consent” before using autodialers to call your cell phone. This consent must be clear and specific; vague consent buried in terms doesn’t count. You also have the right to revoke consent anytime by simply asking the company to stop calling.
Violations carry serious penalties: federal law allows damages of $500 to $1,500 per illegal call. For companies making hundreds or thousands of calls, fines can be substantial. The TCPA also gives individuals a private right of action, allowing them to sue violators directly.
According to court filings, Credit One Bank allegedly used automated systems to call customers about accounts, payment reminders, and promotions — continuing even after people revoked consent or requested no calls.
Banks often face these lawsuits because they outsource calling to third-party vendors. If systems don’t update opt-out requests or databases have outdated numbers, violations happen at scale. The FTC’s robocall guide emphasizes companies remain responsible even if third parties make the calls.
This settlement holds the bank accountable, compensates affected consumers, and aims to improve future compliance.
Settlement Amount, Payout, & Timeline: What to Expect
Court documents value the Credit One Bank TCPA robocall settlement at about $14 million, pending court approval. But this doesn’t mean everyone will receive large payouts.
Typically, the settlement fund covers:
- Legal fees (25-33% of total)
- Administrative costs to process claims
- Incentive payments to lead plaintiffs
The remainder is split among approved claimants.
Individual payouts vary widely. For example, if 50,000 people file claims, each gets less than if only 5,000 claimants qualify. People with strong evidence (call logs, voicemails, written opt-outs) may receive more.
Based on similar cases, payouts generally range from $25 to $400 per claimant.
Regarding timing, no official payout date is set yet. Class actions often take 6-12 months or more from announcement to payment, going through court approvals, objections, and claims processing.
Keep monitoring official settlement websites and federal court dockets for updates. Many settlements have claim deadlines of 60–90 days after notices go out — missing deadlines typically forfeits your right.
Who Is Eligible?
Not everyone who received a call from Credit One Bank qualifies. Eligibility usually requires:
- Receiving automated or prerecorded calls on your cell phone during the class period
- Calls made using autodialers or artificial voices, not live agents manually dialing
- You did not provide prior express consent, or revoked consent but calls continued
- Calls promoting Credit One Bank services, not for legally permitted alerts (fraud, data breach)
- Receiving calls to a reassigned phone number previously owned by a Credit One customer
Those unlikely to qualify include:
- People who only received live, manually dialed calls
- Customers who consented to automated calls and never revoked consent
- People who only received permissible calls (fraud alerts, security notifications)
- Numbers never linked to Credit One Bank accounts
Common misunderstandings:
- “I got one robocall, so I’m eligible.” Not necessarily — many settlements require multiple calls or focus on specific periods.
- “I was a Credit One customer, so I automatically qualify.” Customer status isn’t enough — calls must have violated TCPA rules.
- “I deleted all calls, so I can’t prove it.” Documentation helps, but claims often accept reasonable recollection of calls.
Always verify eligibility through the official settlement administrator — do not share sensitive info through unsolicited calls or emails. The FTC warns against third-party “claim filing services” charging fees — you can file yourself for free.
Benefits and Limitations of the Settlement
| Benefits | Limitations |
|---|---|
| ✅ Compensation without filing individual lawsuits, saving legal costs | ⚠️ Payouts usually modest after fees, ranging $25-$400 |
| ✅ No upfront fees to file claims | ⚠️ Documentation (call logs, records) needed, which some may lack |
| ✅ Holds Credit One Bank accountable | ⚠️ Doesn’t guarantee future robocall prevention — you must still opt out separately |
| ✅ Court-supervised process ensures fairness and transparency | ⚠️ Timeline is long (6-12+ months) requiring patience |
| ✅ Simple online claim submission, no attorney needed | ⚠️ Participation waives future claims related to these calls |
Understanding these trade-offs helps you decide whether to participate, opt out for individual lawsuits, or do nothing.
What Should Affected Consumers Do Next?
If you think you’re eligible:
- Save evidence immediately: Gather phone call logs, voicemails, blocked call screenshots, account statements, and any confirmation of opt-out requests. Digital records can vanish after phone changes.
- Watch official settlement notices: They arrive by mail or court-authorized email and include case names, deadlines, and claim procedures.
- Avoid scams: Never pay fees or share personal data via unsolicited contacts. Confirm legitimacy through multiple official sources before acting.
- Verify independently: Look up case details online, contact Credit One Bank using numbers from your card or official website, or consult consumer protection agencies.
- Keep documentation: Save all claim confirmations, emails, and correspondence.
- Consider legal advice if needed: If your claim is denied or you want to sue individually, consult a TCPA-focused consumer attorney. See National Association of Consumer Advocates.
Frequently Asked Questions (FAQs)
How much is the Credit One Bank TCPA settlement worth?
About $14 million total, with individual payouts between $25 and $400, depending on claims and evidence.
Is the settlement legitimate or a scam?
It is legitimate. Verify through official court documents and settlement administrators. Beware of scams asking for fees or personal info. See FTC’s settlement scams guidance.
When will payouts happen?
No official date yet; typically 6–12 months after announcement.
Who qualifies for the settlement?
Those who received unauthorized automated or prerecorded calls from Credit One Bank during the class period.
Why was Credit One sued?
For violating TCPA by making unwanted robocalls without proper consent.
How to file a claim?
File only through the official settlement website or mail instructions in your notice. Avoid third-party services charging fees.
Can I opt out?
Yes, but that means you give up the settlement and keep the right to sue individually.
What if I get suspicious settlement notices?
Verify independently, report scams to FTC at reportfraud.ftc.gov, your state Attorney General, or BBB at bbb.org/scamtracker.
Expert Tips to Protect Yourself from Robocalls
- Register your number on the National Do Not Call Registry at donotcall.gov. This reduces marketing calls and strengthens your legal claims.
- Always verify banking communications via official channels. Don’t click links or call numbers in unsolicited messages.
- Clearly revoke consent to robocalls by telling companies: “Remove me from your calling list” or “I revoke consent for automated calls.” Follow up in writing.
- Document violations carefully: keep call logs, save voicemails, and note dates/times you asked to stop.
- Report persistent violations to the FTC at reportfraud.ftc.gov, the CFPB at consumerfinance.gov/complaint, and your state Attorney General.
- Use call-blocking technology through your carrier or apps like Nomorobo or Truecaller.
Moving Forward: Your Rights Matter
This settlement is more than compensation — it’s a reminder of your legal rights to control who contacts your phone. Whether you participate or not, understanding TCPA protections empowers you to respond effectively to unwanted calls.
Class actions hold companies accountable for widespread violations, creating systemic improvements.
If eligible, filing a claim is easy and free. And remember, TCPA protections apply broadly beyond Credit One Bank.
Stay informed, document violations, and assert your rights.
Important Disclaimer
This article is for informational purposes only and does not constitute legal or financial advice. Settlement terms and eligibility may change. Verify details through official court documents and settlement administrators. For personalized legal advice, consult a licensed attorney.
