Credit One Bank Faces New Lawsuits Over Hundreds of Unwanted Robocalls

Credit One Bank is facing multiple class action lawsuits for allegedly making unsolicited calls to consumers without their consent, violating federal consumer protection laws. If you received repeated automated calls from Credit One, you could be part of pending litigation or eligible for the bank’s $14 million robocall settlement.

In December 2025, Alabama resident Ricky Ashford filed a class action claiming Credit One placed approximately 315 phone calls to his personal number between April and July 2025. Separately, the bank already agreed to pay $14 million to settle claims it illegally robocalled consumers between 2014 and 2019.

This Affects You If You Received Persistent Calls From Credit One Bank

Understanding your rights matters because banks routinely use aggressive automated calling that crosses legal boundaries. Whether you’re a customer or not, federal law protects you from unwanted robocalls. The Telephone Consumer Protection Act provides statutory damages of $500 to $1,500 per violation, meaning multiple illegal calls could be worth thousands in compensation.

What Are the Credit One Class Actions About?

The December 2025 Ashford Lawsuit

Plaintiff Ricky Ashford claims Credit One violated the Telephone Consumer Protection Act (TCPA) by repeatedly placing harassing and deceptive phone calls to his personal telephone number. The lawsuit alleges the bank made as many as 80 calls per month over four months.

The calls allegedly came from spoofed or disguised caller IDs, including area codes from places in both Alabama and Georgia, to deceive Ashford and increase the likelihood of an answer. The class action is pending in the U.S. District Court for the Middle District of Alabama (Case No. 2:25-cv-00536).

The August 2025 Mingura Lawsuit

Plaintiff Rebeca Mingura filed a class action in California federal court alleging Credit One Bank began contacting her by phone, text and email in April 2025 to demand payment for debts she allegedly owed on three accounts. Despite requesting the bank cease communications due to financial and medical hardships, calls continued.

Mingura claims she received multiple calls daily, often within minutes of each other, impairing her ability to use her phone and causing emotional distress. Her attorney sent a cease-and-desist letter in July 2025, but the bank allegedly kept calling.

The $14 Million Settlement for 2014-2019 Calls

Credit One Bank agreed to a $14 million class action settlement to resolve claims it violated the federal Telephone Consumer Protection Act by calling consumers with robocalls without their consent. This settlement benefits anyone who received automated calls from Credit One between 2014 and 2019.

You don’t need to have been a Credit One customer to qualify for the settlement. Even non-customers who received unauthorized robocalls may be eligible.

What TCPA Prohibits

The Telephone Consumer Protection Act is federal law enacted in 1991 to protect consumers from unwanted telemarketing. TCPA specifically prohibits companies from using automatic telephone dialing systems (autodialers) or prerecorded voices to call cell phones without prior express written consent.

Banks cannot call your cell phone using automated technology unless you gave them written permission specifically authorizing such calls. Verbal consent doesn’t count under TCPA.

What “Unsolicited Calls” Mean

Unsolicited calls are those made without the consumer’s prior consent. For banks, this includes automated or prerecorded calls made without authorization, marketing calls to consumers who didn’t opt in, and debt collection calls that violate timing or frequency rules.

Even if you owe the bank money or have an account with them, they still need your written consent to robocall your cell phone using automated systems.

What Credit One Allegedly Did Wrong

How Many Calls Consumers Received

Ashford received approximately 315 phone calls between April 22 and July 15, 2025, with as many as 80 phone calls per month. Mingura received multiple calls daily, often within minutes of each other.

Other consumers have reported receiving hundreds or even thousands of calls. One plaintiff in an earlier case claimed receiving over 3,000 Credit One robocalls.

What the Calls Were About

The calls primarily involved debt collection attempts, payment reminders, and account servicing. Ashford argues the calls were in regard to an alleged debt that may have already been sold, which would be a violation of the Fair Debt Collection Practices Act.

Some consumers report receiving calls about accounts they never had. Others received calls despite having no relationship with Credit One Bank whatsoever.

How Calls Were Made

Ashford claims many calls featured a prerecorded or artificial voice, were placed using an automatic telephone dialing system and included scripting consistent with robocall practices. Credit One allegedly used automated systems that could blast thousands of numbers daily.

The use of masked third-party numbers violates Federal Communications Commission regulations and undermines the plaintiff’s ability to identify the caller and revoke consent.

Whether Recipients Gave Consent

The lawsuits allege consumers never provided written consent to receive robocalls. Mingura claims Credit One made automated calls to her cellphone without her consent, even after she revoked it.

Even customers who applied for credit cards may not have given proper TCPA consent if authorization wasn’t clearly disclosed in writing.

Evidence Supporting the Claims

Plaintiffs have call logs, phone records showing hundreds of incoming calls from Credit One numbers, voicemail recordings, and testimony documenting the frequency and automated nature of calls. Ashford documented constant calls causing significant disruption, anxiety, invasion of privacy and emotional distress.

Who Can Be Part of the Lawsuits

Class Definition

For the pending 2025 lawsuits, class members likely include all consumers who received unsolicited automated calls from Credit One during the relevant time periods. You don’t need to be a Credit One customer—non-customers who received calls qualify.

For the $14 million settlement, the class benefits consumers who received an automated call from Credit One Bank or its affiliates between 2014 and 2019 without giving prior consent to be contacted via automated dialing systems or pre-recorded messages.

How to Know If You’re Affected

You’re likely affected if you received calls from Credit One that were clearly automated or prerecorded, never gave written consent to receive such calls, the calls were about Credit One accounts or debt collection, you received calls on your cell phone, or calls continued after you asked them to stop.

Geographic location typically doesn’t matter for TCPA violations—consumers nationwide are protected.

Class Certification Status

The 2025 lawsuits are in early stages. Class certification motions have not yet been filed or ruled on. These cases typically take months before courts decide whether to certify them as class actions.

The 2014-2019 settlement has already been approved, meaning affected consumers can file claims now.

What You Need to Do to Be Included

For pending class actions, you’re typically automatically included if you meet the class definition unless you opt out. Once class certification is granted, the court will send notice to potential class members.

For the $14 million settlement, you must submit a claim form to receive payment. Check settlement administrator websites for official claim forms and deadlines.

Potential Compensation

TCPA provides statutory damages of $500 per violation, up to $1,500 per violation if violations were willful or knowing. If you received 20 illegal calls, that’s potentially $10,000 to $30,000 in damages.

For the $14 million settlement, payouts could reach $1,000 per person, though typical TCPA settlements pay between $20 and $300 depending on how many people file claims.

What You Must Know About Your Rights

Understanding TCPA and Your Protections

TCPA gives you powerful legal tools. Banks face strict liability, meaning you only need to prove the call happened and consent wasn’t obtained. You don’t have to show the calls harmed you or that the bank intended to break the law.

Prior express written consent must be in writing, clearly authorize calls using specific automated technologies, identify the business making calls, and cannot be a condition of obtaining credit.

You can revoke consent at any time by texting STOP, calling to request removal, or sending written notice. Once you revoke, the bank must stop within 10 business days.

Why Banks Face TCPA Lawsuits

Financial institutions use aggressive collection practices with automated account servicing systems and third-party call centers. When calling campaigns contact thousands of numbers daily without proper consent verification, TCPA violations pile up quickly.

Banks often obtain phone numbers through credit applications but fail to get proper written TCPA consent. Some call reassigned numbers where the current owner never had any relationship with the bank.

Your Rights When Banks Call

You have the right to revoke consent at any time, request in writing that they cease all calls, sue for violations without proving actual harm, and receive statutory damages of $500 to $1,500 per illegal call.

Companies cannot retaliate against you for exercising these rights. If calls continue after you’ve revoked consent, that strengthens your TCPA claim significantly.

How TCPA Class Actions Against Banks Typically Proceed

Lawsuit Stages

TCPA cases follow predictable patterns. First, plaintiffs file complaints with evidence like call logs. Banks typically file motions to dismiss arguing plaintiffs lack standing or consent existed.

If cases aren’t dismissed, discovery begins. Both sides exchange evidence including internal calling policies, call volume data, vendor contracts, and consent forms. This phase reveals the scope of violations.

Class certification motions follow. Courts evaluate whether common questions exist and if a class action is appropriate. Certification dramatically increases settlement pressure.

What Discovery Reveals

Discovery often uncovers internal company policies showing how many calls were made, to whom, using what technology, call center training materials, vendor agreements with third-party dialers, and actual consent forms (or lack thereof).

These documents frequently show banks knew or should have known they lacked proper consent but continued calling anyway.

Typical Timeline and Outcomes

TCPA class actions against banks typically take one to three years from filing to resolution. Most settle before trial because potential damages multiply by thousands or millions of calls.

Average TCPA settlements in similar cases have ranged from millions to tens of millions, depending on violation numbers. Settlements typically include cash payments to class members plus injunctive relief stopping future violations.

Recent Developments and Related Context

Similar Bank TCPA Cases

Capital One, Citibank, Chase, and Discover have all faced TCPA class actions over robocalls. These cases frequently settle for millions, establishing that major financial institutions aren’t above the law.

The pattern is consistent: banks use aggressive automated calling for collections and marketing, fail to obtain or verify proper consent, continue calling despite revocation requests, and face massive liability.

FCC Enforcement Actions

The FCC has increased robocall enforcement with higher penalties. The agency regularly issues fines against companies violating TCPA, with penalties reaching millions for systematic violations.

Recent FCC guidance emphasizes that companies bear responsibility for ensuring they have proper consent before using autodialers, even when third-party vendors make the calls.

What to Do Next

If You Received Unwanted Calls From Credit One

Document when you received calls including specific dates and times. Note the phone number that called you and what number they called. Save any voicemail messages as evidence.

Check your phone records for calls from Credit One numbers. Note whether you ever gave written consent to receive robocalls. Document whether calls were about debt collection, account servicing, or marketing, and whether you asked them to stop.

How to Find Out If You’re Part of Lawsuits

Search PACER (pacer.gov) for federal court filings using “Credit One Bank” and “TCPA” as keywords. The Ashford case is 2:25-cv-00536 in Middle District of Alabama. The Mingura case is 4:25-cv-06712 in Northern District of California.

Contact plaintiff law firms handling these cases. Top Class Actions and other legal news sites track ongoing litigation and settlements. Look for settlement administrator websites for the $14 million settlement.

Whether You Need to Take Action Now

For pending class actions, you’re typically automatically included if you meet class definitions. You don’t need to do anything until class certification and notice.

For the $14 million settlement, you must file a claim before the deadline. Visit the official settlement website once it’s live. Don’t miss deadlines—late claims are rejected.

Stop Unwanted Calls From Credit One

Send written revocation of consent to Credit One Bank’s corporate office. Specifically state you revoke any prior consent to receive calls using automated systems.

Register your number on the National Do Not Call Registry at donotcall.gov. Block Credit One numbers on your phone using built-in blocking features.

File complaints with the FCC at consumercomplaints.fcc.gov and the Consumer Financial Protection Bureau at consumerfinance.gov/complaint. These create official records supporting potential legal claims.

Your Legal Options

Filing Your Own Individual Lawsuit

You can sue Credit One individually even if class actions exist. Individual lawsuits sometimes result in higher per-call damages but require opting out of pending class actions.

Individual cases give you control over legal strategy and timing. If you received hundreds of calls, individual damages could reach tens of thousands of dollars.

What TCPA Lawyers Provide

Experienced TCPA attorneys evaluate your case strength, calculate potential damages based on call volume, gather evidence proving violations, and negotiate settlements or litigate if necessary.

Many TCPA lawyers work on contingency fees, taking a percentage of recovery as payment. Free consultations let you evaluate your case without upfront costs.

Time Limits and Compensation

TCPA has a four-year statute of limitations from the date of the last violation. Don’t wait years to pursue claims because evidence fades and legal rights expire.

If you received multiple illegal calls, potential damages of $500 to $1,500 per call can add up to substantial compensation. Twenty calls equals $10,000 to $30,000 in potential statutory damages.

Where to Find Reliable Information

Official Court Records

Search PACER for federal court filings. Case numbers: Ashford v. Credit One Bank (2:25-cv-00536, M.D. Alabama) and Mingura v. Credit One Bank (4:25-cv-06712, N.D. California).

Court dockets show complaints, motions, orders, and settlement documents. Be prepared to pay small fees for accessing documents through PACER.

Settlement Administrator Resources

The $14 million settlement will have an official administrator website with claim forms, FAQs, and deadlines. Only file claims through official administrator sites—never through third-party websites requesting fees.

Legitimate settlement notices come by mail or email from court-appointed administrators, never from companies asking for upfront payments.

FCC and CFPB Resources

The FCC Consumer Complaint Center handles robocall violations. Filing creates official records documenting unwanted calls. The CFPB complaint database tracks bank violations and enforcement actions.

Both agencies publish guides explaining TCPA rights and current robocall enforcement priorities.

Frequently Asked Questions

What is the Credit One class action about?

Multiple class actions allege Credit One violated TCPA by making hundreds of unsolicited robocalls to consumers without proper written consent. One plaintiff received approximately 315 phone calls between April and July 2025. The bank also settled $14 million for 2014-2019 violations.

Can I join the lawsuit if I got calls from Credit One?

If you received automated calls from Credit One during relevant time periods without giving written consent, you likely qualify. For pending 2025 lawsuits, watch for class certification notices. For the 2014-2019 settlement, file a claim through the official settlement website.

How much money can I get from the Credit One lawsuit?

TCPA provides $500 to $1,500 per illegal call. If you received dozens of calls, individual damages could reach thousands. The $14 million settlement may pay up to $1,000 per person, though typical payouts range from $20 to $300 depending on claim volume.

What did Credit One Bank do that was illegal?

Credit One allegedly used automatic telephone dialing systems and prerecorded voices to make hundreds of calls without proper consent, violating federal TCPA protections. The bank also allegedly used spoofed caller IDs and continued calling after consumers requested they stop.

Do I need to be a Credit One customer to be part of the lawsuit?

No. Even non-customers who received robocalls without giving prior written consent are eligible for the settlement. Many lawsuits involve people who never had Credit One accounts but received debt collection calls about accounts they didn’t owe.

How do I prove I received illegal calls from Credit One?

Check your phone records for incoming calls from Credit One numbers. Save any voicemails. Phone carrier logs showing call dates and times serve as evidence. Document when you received calls and whether you gave written consent for robocalls.

Can banks call you without permission?

No. TCPA prohibits banks from using automated dialing systems or prerecorded messages to call cell phones without prior express written consent. Even if you owe money or have an account, banks need specific written authorization to robocall you.

When will the Credit One lawsuit be settled?

The 2025 lawsuits just filed are in early stages and typically take one to three years. The $14 million settlement for 2014-2019 calls has been approved, with claim forms expected in early to mid-2025. Payments typically follow within 60-120 days after claim deadlines.

Pro Tip: Document every single call you receive from Credit One—date, time, phone number. Phone records prove violation frequency and dramatically strengthen your case. Courts calculate damages per call, so detailed documentation directly impacts your potential compensation.

Last Updated: January 13, 2026 — We keep this current with the latest legal developments

Disclaimer: This article provides general information about Credit One class action claims the bank made unsolicited calls to consumers and related TCPA violations. Information is based on publicly available court documents and legal filings, which may change as litigation proceeds. AllAboutLawyer.com is an informational resource and does not represent any party in these lawsuits. We do not provide legal services or advice. For specific legal questions about your situation and potential claims against Credit One Bank, consult a qualified TCPA attorney who can evaluate your individual circumstances and recommend appropriate action.

Related: Learn more about your rights under federal robocall laws in our guide to CarGuard Robocall Lawsuit Settlement, Victims Could Receive Up To $1500 Per Illegal Call

Stay informed, stay protected. — AllAboutLawyer.com

About the Author

Sarah Klein, JD, is a licensed attorney and legal content strategist with over 12 years of experience across civil, criminal, family, and regulatory law. At All About Lawyer, she covers a wide range of legal topics — from high-profile lawsuits and courtroom stories to state traffic laws and everyday legal questions — all with a focus on accuracy, clarity, and public understanding.
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