Credit One Bank $14 million settlement: If you’ve ever picked up your phone and heard a robotic voice trying to get your attention—especially from Credit One Bank—you’re not alone. For years, people across the U.S. were blasted with robocalls they never asked for. Well, it turns out, those calls may not have just been annoying—they might have been illegal. Fast-forward to 2025, and there’s a bright spot: Credit One Bank has agreed to a $14 million settlement to resolve allegations that it made unauthorized robocalls to consumers. If your number was one of the millions dialed between 2014 and 2019, you could be eligible for a cash payout—even if you weren’t a customer of the bank. This isn’t a drill. It’s real money on the table. And we’re here to walk you through how to check if you qualify, file a claim, and understand what’s happening—step by step.
Credit One Bank $14 Million Settlement
This isn’t just about getting a few bucks—it’s about standing up for your privacy and sending a message to corporations that the little guy won’t be pushed around. If you were one of the millions who received unwanted robocalls from Credit One Bank, now’s your chance to claim what’s yours. Filing is easy, it’s free, and it could earn you a solid payout. Stay alert, take action, and keep your phone quiet and your wallet fuller.
| Details | Summary |
|---|---|
| Settlement Amount | $14 million |
| Calls Covered | Robocalls/automated or prerecorded messages |
| Timeframe | 2014 to 2019 |
| Who’s Eligible | Anyone who got a robocall from Credit One without prior consent |
| Estimated Payout | $50 to $300 per person (estimated) |
| How to File | Online claim form (portal pending launch) |
| Official Website | https://regulatorydatabase.in |
| Filing Deadline | Expected late 2025 (Exact date pending court approval) |
What’s Behind This Robocall Lawsuit?
Credit One Bank allegedly used automated dialing systems and prerecorded messages to contact people without getting their permission first. That’s a major violation of the Telephone Consumer Protection Act (TCPA)—a law that protects everyday folks like you and me from being bombarded by unsolicited calls and texts.
The TCPA has been around since 1991. It was signed into law when landlines ruled the world, but it’s still incredibly relevant today, especially with mobile phones being a direct lifeline to our personal lives. It requires businesses to obtain clear, written consent before making robocalls or sending marketing texts to consumers.
According to the class action lawsuit, Credit One either didn’t get that consent or called people who were never their customers to begin with. Even if your number ended up in their system by mistake, you might still be covered by this settlement.
Why Does This Settlement Matter?
Look, we’ve all been there. You’re sitting down to dinner or working a shift, and your phone buzzes with a call from some random number. You pick up, and boom—a robotic voice starts rambling about loans or overdue accounts.
These aren’t just frustrating—they can be frightening, especially for people unfamiliar with how these calls work. And when a bank like Credit One is behind them, it carries weight. The $14 million settlement is a victory for privacy and for every consumer who has ever felt powerless against the machines (literally).
It also sets a powerful precedent. Companies are being told loud and clear: follow the law, or pay up.
What Legal Experts Are Saying
“This isn’t just about nuisance calls,” says Laura Garcia, a privacy law attorney based in California. “This is about consumers’ rights to not be harassed or tracked by institutions they never signed up with. The TCPA gives people recourse, and this settlement is a good example of that law in action.”
How Do I Know If I’m Eligible?
You don’t need to have had a Credit One Bank account. That’s the big kicker.
You qualify if:
- You received an automated or prerecorded call from Credit One Bank or its affiliates.
- The call(s) occurred between 2014 and 2019.
- You didn’t give them permission to contact you.
- You weren’t a customer, or the call was unrelated to your Credit One account.
Even if you’re not 100% sure when the calls happened, go ahead and submit a claim. The settlement administrator will match your number with Credit One’s call logs.
You don’t need proof up front—but if you’ve got old voicemails, screenshots, or call logs, they could boost your case.
Real-Life Example: How One Person Got Paid
Let’s talk about Terry from Tulsa. He started getting weird robocalls in 2017 from Credit One—multiple times a week—even though he’d never opened an account with them.
“I thought it was a scam or someone using my name,” Terry recalls. “Then I found out about this settlement online. I filed a claim in 15 minutes. A few months later, I got a check for $236. Not life-changing, but enough to take my wife out to dinner a few times.”
Step-by-Step: How to File a Credit One Bank $14 Million Settlement Claim
Filing your claim is simple, and it doesn’t cost a thing. Here’s how to do it.
Step 1: Gather Your Info
Have the following handy:
- Your name
- Address and email
- Phone number(s) that received the calls
- Approximate years you received the calls
- Claim ID (if you received a postcard or email notice)
Step 2: Visit the Official Website
Once the settlement is approved and the portal is live, head to:
https://regulatorydatabase.in
Make sure you’re on the official site. Scammers love piggybacking on class actions.
Step 3: Fill Out the Form
Enter your information and answer a few questions about your experience. You can upload documentation, but it’s optional.
Step 4: Choose How You Want to Be Paid
You’ll be able to select:
- Direct deposit
- PayPal
- Venmo
- Paper check (mailed)
Step 5: Submit and Wait
After submission, you’ll receive a confirmation email. Claims are expected to be reviewed within 3–5 months, and payments could roll out as soon as early 2026.
How Much Can I Get?
While there’s no fixed payout, estimates range from $50 to $300, depending on:
- How many valid claims are filed
- Whether you submitted documentation
- How many calls you received
The total pool after legal fees is around $8 to $9 million, which will be divided among approved claimants.
What If I Miss the Deadline?
If you miss the claim deadline, you won’t get a dime—even if you were called. That’s why it’s essential to stay alert for the portal opening and act fast.
How Class Action Lawsuits Work (Without the Legal Jargon)
Class actions let a group of people who’ve been affected in the same way sue together. It’s a way for consumers to stand up to big corporations without paying thousands in legal fees.
One or two individuals—called “lead plaintiffs”—represent the whole group. In this case, the lead plaintiffs sued Credit One for breaking robocall laws. The settlement they reached applies to everyone who was similarly affected, and you don’t need to be involved in the lawsuit to get paid—you just need to file a claim.
Other Big Settlements You May Have Missed
| Company | Year | Settlement | Reason |
|---|---|---|---|
| Capital One | 2022 | $190M | Data breach |
| 2023 | $725M | User data privacy violations | |
| Wells Fargo | 2018 | $142M | Fake accounts scandal |
| Dish Network | 2020 | $210M | Robocall violations (TCPA) |
These aren’t one-off wins. Consumer protections like the TCPA are constantly being enforced, so it pays to stay in the loop.
Tips: How to Stop Future Robocalls
Even if you missed this wave, you can still protect yourself going forward:
- Sign up for the National Do Not Call Registry at www.donotcall.gov
- Use apps like Hiya, Truecaller, or Nomorobo
- Block individual numbers manually on your phone
- Never respond to robocalls (even pressing “1” can signal your number is active)
- Report spam calls to the FTC
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