Credit One Bank Settlement: How To File A Claim And Get Paid

If you’ve had a card with Credit One Bank, you might have heard about the credit one bank settlement, and wondered: “Is this for me? How do I claim it?” My neighbour, Sarah, called me last week. She got an email about the settlement and felt it all sounded too confusing. She said, “I’m no lawyer—what do I do?” I told her it’s simpler than it looks. Let’s break it down together.

What is the Credit One Bank settlement?

In plain talk: Credit One Bank was sued by a group of people (a class action) because they said the bank charged unfair fees, made calls without permission, or messed up credit-card payment processing. The bank agreed to a settlement so folks who were harmed can claim money. That means you don’t need to go to court yourself—if you qualify, you file a claim and possible payout.

Some key points:

One part alleges the bank charged “express payment” fees for online credit-card payments, even though no live person helped. 

Another part says Credit One made automated robocalls without proper consent (which may violate the Telephone Consumer Protection Act or “TCPA”).

Reports say a fund of $14 million may cover part of the case, and individuals might receive up to around $1,000 each, depending on documentation and claim counts. 

But: Some sources say the final amount, or whether it’s fully approved by the court, is still uncertain. One legal commenter noted they didn’t find proof of final approval in the dockets. 

When things like this happen, it’s like the bank saying: “Okay, we’ll set aside some money — you met certain criteria and you file the paperwork, and if approved you get your share.”

Why this matters

Think of it like this: You bought a gadget and the manual said “free express shipping,” but you paid extra and it arrived late. Then you found out many others were in the same boat. Now they’re offering refunds. That’s basically what this is for: people believe Credit One charged extra or handled things unfairly when they shouldn’t have.

For you, if you held a Credit One credit card (or were impacted by their collection or call practices) and you experienced something like unexpected fees or unwanted calls, you might qualify.

Honestly, when I first looked at the details I got lost too. But once you break it down step-by-step it’s manageable.

Who qualifies for the Credit One Bank settlement?

Here’s how to check if you might be eligible (note: this isn’t legal advice, just what the reports show).

You might qualify if:

You had a Credit One Bank credit-card account during the relevant period. Some reports suggest 2014–2019 for calls, and other years for fees. 

You were charged fees like “express payment” fees or saw unusual charges that you didn’t expect. 

You received robocalls or automated calls from or on behalf of Credit One, without giving proper consent.

You have some proof (billing statements, call records, emails). The stronger your proof, the better your chance.

The deadline to file your claim hasn’t passed (check official site for exact date). Some reports mention “file by October 31, 2025” for one version of the claim. 

If you don’t meet all those, you might still be eligible for a smaller payout. Some people who don’t have full proof may qualify under “general class member” status. 

How to file your claim for the settlement

Here’s the process broken into simple steps:

Find the official settlement website: There should be a site set up with instructions and a claim form. For example, reports say one will open for the Credit One Bank settlement. 

Check if you’re eligible: Use the tool (if provided) or the eligibility criteria described. Did you meet the time period? Did you experience the issue?

Gather your documents:

Credit card statements showing fees

Call logs or phone bills showing robocalls

Emails or notices from the bank

Any communication about the issue

Fill out the claim form online or by mail (depending on what’s allowed).

Submit by the deadline: Be sure to send everything before the cut-off date.

Wait for approval: The settlement administrator will review claims and decide how much you’ll get.

Receive your payout: If approved, you’ll get the money (via check, direct deposit or other method).

Keep records: Save copies of what you submitted and the confirmation you receive.

Think of it like applying for a refund at a store, but this one is for a bank-related issue across many customers.

How much money might you get?

Here’s what reports suggest:

The settlement fund is about $14 million (for certain allegations around robocalls). 

Some reports say eligible individuals may receive up to ~$1,000, depending on their proof and how many claims are filed. 

Because of many claimants, your payout might be less than the maximum listed.

If you have stronger proof (fees you paid, documented calls), you may receive more than those with little or no proof.

So yes—there’s money to be claimed, but don’t expect exact numbers yet until the official details are final.

Things to watch out for (important tips)

Make sure you’re on the official settlement website. There are fake sites out there trying to capture your info.

Don’t pay fees to submit a claim—legit settlements typically don’t charge you.

Watch the deadline: missing it often means you lose your right to claim.

Read the fine print: some settlements require you to give up the right to sue separately.

Keep expectations realistic: you might get less than the headline “up to $1,000” amount.

If you weren’t a Credit One customer but received calls, you might still be eligible if you were a recipient of unwanted calls. The robocall part may cover non-customers too. 

What if I skip filing my claim?

If you skip:

You’ll likely forfeit any payment you could have received.

You won’t be able to participate in a separate suit for the same issue covered by the settlement (depending on terms).

You lose the chance to get compensation for that particular case.

So yes—if you think you qualify, it’s best to act.