Credit One Bank TCPA Settlement: What If You Were on the Do Not Call List?

The Telephone Consumer Protection Act (TCPA) was designed to protect consumers from unwanted telemarketing calls, but what happens when a major financial institution like Credit One Bank allegedly violates these rules? The recent Credit One Bank TCPA settlement has sparked conversations about consumer rights, corporate accountability, and the effectiveness of the Do Not Call (DNC) list. If you were on the DNC list and still received calls from Credit One, you might be entitled to compensation—but the implications of this case go far beyond a single settlement.

Understanding the TCPA and the Do Not Call List

What Is the TCPA?

The TCPA, enacted in 1991, restricts telemarketing calls, auto-dialers, prerecorded messages, and unsolicited faxes. Key provisions include:
- Prior express consent is required for automated calls.
- Consumers can sue for $500 to $1,500 per violation.
- The National Do Not Call Registry allows consumers to opt out of most telemarketing calls.

How the Do Not Call List Works

The DNC list is managed by the Federal Trade Commission (FTC). Once you register your number, telemarketers are legally barred from calling you—with some exceptions (e.g., political calls, charities, or companies with an existing business relationship).

The Credit One Bank TCPA Lawsuit: What Happened?

Allegations Against Credit One

Credit One Bank, a major issuer of subprime credit cards, faced a class-action lawsuit alleging:
- Robocalls to consumers on the DNC list without consent.
- Misleading debt collection practices, including harassing calls.
- Failure to honor opt-out requests, violating TCPA rules.

The Settlement Terms

In 2023, Credit One agreed to a $12 million settlement to resolve the claims. Eligible class members—those who received unwanted calls despite being on the DNC list—could file for compensation.

Were You Affected? Here’s What You Need to Know

Who Qualifies for the Settlement?

You may be eligible if:
- You were on the National Do Not Call Registry.
- You received unwanted calls from Credit One between [specific dates].
- You did not provide prior consent for these calls.

How to File a Claim

1. Check the settlement website for updates.
2. Submit proof (call logs, DNC registration).
3. Meet the deadline—missing it could forfeit your claim.

Why This Case Matters Beyond the Settlement

Corporate Accountability in the Age of Robocalls

Robocalls remain a massive consumer annoyance, with billions made yearly. The Credit One case highlights:
- Lax enforcement—many companies ignore the DNC list.
- Profit over compliance—some firms see fines as a cost of doing business.

The Fight Against Predatory Lending

Credit One has faced scrutiny for targeting low-credit borrowers with high fees. This case underscores how aggressive marketing can cross into illegal harassment.

The Future of Consumer Protection

With AI-driven spam calls rising, regulators must:
- Strengthen TCPA enforcement.
- Increase penalties for repeat offenders.
- Expand protections to newer technologies (e.g., spam texts, VoIP scams).

What You Can Do to Protect Yourself

Steps to Stop Unwanted Calls

1. Register for the DNC list at Donotcall.gov.
2. Report violations to the FTC.
3. Use call-blocking apps (e.g., Nomorobo, Hiya).

Know Your Rights

• You can sue under the TCPA for illegal calls.
• Debt collectors must follow FDCPA rules (no harassment).
• Always document unwanted calls (screenshots, call logs).

The Credit One Bank TCPA settlement is a reminder that consumer rights matter—and that corporations must be held accountable when they break the rules. If you were on the Do Not Call list and still got harassed, now’s the time to take action.