If you’ve ever been hounded by Credit One Bank or one of their third-party collectors — especially through those annoying robocalls — you might be eligible for money from a $14 million class action settlement. And yes, this is real. Let’s break it down in plain terms so you can figure out if you’re owed anything, and how to claim it.
What’s the Deal with the Credit One Class Action Lawsuit?
Between 2014 and 2019, Credit One Bank and its network of debt collectors allegedly made unauthorized robocalls to people’s cell phones using auto-dialers — without getting proper consent. That’s a big no-no under federal law.
The Telephone Consumer Protection Act (TCPA) specifically says companies can’t use auto-dialers or prerecorded messages to contact your cell phone unless you’ve given permission. In this case, the lawsuit claimed that Credit One and their collectors ignored this rule — even continuing to call after people told them to stop.
How Much Did They Settle For?
Rather than battle it out in court for years, Credit One agreed to settle for $14 million. That money is now being distributed to those who received unwanted robocalls — if they file a valid claim.
Am I Eligible?
You may qualify for compensation if:
- You received a call to your mobile phone from Credit One or a debt collector working for them
- The call was made between 2014 and 2019
- You did not give consent to receive calls using an automatic dialing system or prerecorded message
You don’t need to be a current customer. In fact, many people affected had accounts that were closed, inactive, or not even used.
Even if you never activated your card or didn’t use it (as you mentioned), but still got calls — you’re likely eligible.
How Much Money Can You Get?
Estimates vary, but early projections suggested around $100 per person. That amount could go up or down depending on how many people submit valid claims. The fewer people who file, the larger your slice.
Even if it’s less than $100, it’s free money for dealing with those disruptive and unwanted calls.
How to File a Claim
- Go to the official settlement website:
Search for CreditOneTCPASettlement.com (or a similar name; the correct URL should be on public court records or official notices — be sure it’s secure and ends in.comor.org). - Enter your information:
You’ll either use a claim number from a notice you received, or you’ll have to verify your identity and phone number on the website. - Choose your payment method:
Options usually include check, direct deposit, or PayPal. - Submit before the deadline:
Deadlines are firm. If you miss it, you’re out of the settlement, even if you’re eligible.
What If You Never Got a Notice?
No problem. You can still file a claim by going to the settlement site and entering your phone number to check if you’re included in the class. If your number was on one of the call lists used by Credit One or its collectors, you’ll be eligible.
What If Credit One Harassed You About a Card You Never Used?
That situation is actually more common than you think. Many people have reported that:
- They never activated the card
- Never used the card
- Got billed anyway
- Ended up with collections and damaged credit
You may have grounds for another legal claim or dispute under the Fair Credit Reporting Act (FCRA). If they reported you to credit bureaus for a debt on a card you never activated or used, you can:
- Dispute it with the credit bureaus (Equifax, Experian, TransUnion)
- File a complaint with the Consumer Financial Protection Bureau (CFPB)
https://www.consumerfinance.gov/complaint/ - Consult a consumer rights attorney — especially if your credit was damaged
Bottom Line
If you got robocalls from Credit One between 2014 and 2019 without your consent, you can get paid. It doesn’t cost you anything to file a claim, and it takes just a few minutes.
And if you’ve had bigger issues — like being falsely billed or harassed about an unused card — there are options for that too. Don’t let them damage your credit without fighting back.
FAQs
Is this class action real or a scam?
It’s real. The lawsuit and settlement are public and filed in federal court. Just make sure to use the official website to file your claim.
Do I need a lawyer to claim my money?
No. You can file the claim yourself online, quickly and for free.
What if I didn’t get a notice in the mail?
You can still check online by entering your phone number to see if you’re eligible.
Can I still file if I’m a current Credit One customer?
Yes. Past or current status doesn’t matter. What matters is if you got robocalls without permission.
How long until I get paid?
Payments usually go out a few months after the claim deadline and final court approval, but exact timing can vary.
