Credit One Bank Just Settled for $14 Million—See If They Owe You Money

If you’ve ever had Credit One Bank blow up your phone with robocalls you never asked for, you might be in luck — there’s a $14 million class-action settlement, and you could be owed money.

Let’s break down what’s going on in plain English: who can claim cash, how much you might get, and what you need to do (and when).

Wait — what is this about, exactly?

Over the past decade — from 2014 to 2024 — Credit One Bank allegedly made a bunch of robocalls to customers without getting proper permission first. These calls were often made using automated dialing systems, which, if you didn’t consent, is a violation of federal law.

So, a class-action lawsuit was filed, and instead of dragging things out in court, the bank decided to settle. No admission of guilt, just a payout to make things go away — to the tune of $14 million.

Am I eligible for this money?

You might be. Here’s the basic test:

• Were you a Credit One Bank customer at any point between 2014 and 2024?

• Did you get automated robocalls from them that you didn’t ask for?

• Do you have any kind of proof — phone logs, old voicemails, a screenshot of missed calls, or even a written statement?

If that sounds like you, then yes — you might qualify to file a claim and get a cut of the settlement.

How much money are we talking about?

The total settlement pot is $14 million. Individual payouts could be as much as $1,000, depending on:

• How many people file claims

• How strong your proof is

• Whether you experienced any real costs or hassles because of the calls

In reality, if tons of people file, payouts might be smaller — but hey, even a few hundred bucks for a couple of annoying calls? Not bad.

Okay, I’m in. How do I file a claim?

Here’s what you need to do:

1. Check your mail and email — Some people are getting claim notices with instructions.

2. Look for call records — Anything that shows you got these calls helps. But if you don’t have that, you might still be able to file.

3. Go to the official settlement website — Once it’s live (it may be soon if it isn’t yet), you’ll be able to file online.

4. Fill out the form — Be honest and detailed. Add any documents or info that backs up your claim.

And yes, there will be a deadline to submit — probably within the next few months — so don’t wait too long.

When do I get paid?

This won’t be instant. The court has to fully approve the settlement, then claims will be reviewed. If all goes smoothly, payments could start going out later this year or early next year.

The payout could come as a check or direct deposit, depending on what you choose when you file.

If Credit One called you without permission, this is your chance to get paid for the hassle. It takes maybe 5 to 10 minutes to file a claim, and you could get a few hundred bucks (or more) in return.

Don’t ignore it. Even if you’re not totally sure, it doesn’t hurt to check. Worst case, you don’t qualify. Best case? Free money for some unwanted calls.