Did you get annoying robocalls from Credit One Bank between 2014 and 2019? If yes, you may qualify for cash from a $14 million class action settlement. These calls allegedly violated the Telephone Consumer Protection Act (TCPA), which protects consumers from unwanted automated calls.
Let’s break down who qualifies, how much you could get, and the steps to file your claim.
Who Can Claim the Settlement?
The settlement includes people who:
- Received automated or prerecorded robocalls from Credit One Bank or its affiliates between 2014–2019.
- Did not give consent for such calls.
If you gave permission for automated calls when you were a customer, you may not qualify. But if the calls came without your approval, you are likely eligible.
How Much Money Could You Get?
The total settlement fund is $14 million. After deducting legal fees and admin costs, the rest will be shared among approved claimants.
The exact payout depends on how many people file a claim and the strength of your evidence. Here’s what it may look like:
| Claim Type | Proof Required | Possible Payout | Notes |
|---|---|---|---|
| Strong Claim | Phone records, carrier logs, voicemails | Up to $1,000 | Best chance at higher payout |
| Moderate Claim | Partial records or self-attestation | Mid-range | Eligible, but less than max |
| Minimal Proof | Number match only | Lower payout | Still may qualify |
Tip: The more documentation you provide, the better your chances of getting a larger payment.
How to File a Claim
Right now, the official settlement website is not live yet. Once it opens, you’ll be able to submit a claim form online.
Here’s how to prepare:
- Collect phone bills or carrier records from 2014–2019 showing Credit One calls.
- Save voicemails with prerecorded messages.
- Write down approximate dates and times of the calls.
After the court approves the settlement, you’ll have around 60–90 days to submit your claim. Payments usually follow a few months later.
Case Details
| Item | Detail |
|---|---|
| Case Name | Credit One Bank TCPA Class Action |
| Allegations | Illegal robocalls without consent |
| Settlement Amount | $14 million |
| Class Period | 2014–2019 |
| Bank’s Position | No admission of wrongdoing |
| Status | Settlement pending court approval |
Why This Case Matters
The TCPA (Telephone Consumer Protection Act) protects you from:
- Automated dialers calling without consent.
- Prerecorded telemarketing messages.
- Spam robocalls to your mobile phone.
Violations can lead to penalties of $500–$1,500 per call, which is why companies often settle rather than face millions in fines.
What Happens Next
- Court must approve the settlement.
- Notices will be sent by mail or email to eligible consumers.
- The claim portal will go live.
- Consumers will have 60–90 days to file claims.
- Payments will be mailed or sent via digital payment (depending on the administrator).
Warning: Avoid third-party “claim now” websites. Always wait for the official settlement site managed by the court-appointed administrator.
FAQs
1. Do I need phone records to qualify?
No, but they help. Even if you don’t have proof, your number may appear in Credit One’s call logs.
2. How much money will I get?
It depends on the number of claims filed. The maximum is up to $1,000, but most people will likely receive less.
3. What if I changed my phone number since 2019?
You can still file a claim if you prove you had that number during the class period.
4. Can I sue Credit One separately?
Yes, but only if you opt out of this settlement before the deadline.
5. When will payments be sent?
Usually a few months after final approval. Expect delays if there are appeals.
Final Thoughts
If you were bombarded with Credit One robocalls between 2014 and 2019, this settlement could put money back in your pocket. While you may not receive the full $1,000, even smaller checks are worth claiming.