CREDIT ONE WINS AGAIN: TCPA Case by a Pro Se Litigant Compelled to Arbitration– But There’s a Twist

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So Credit One has to be the most effective TCPA litigant out there.

They’ve won a ton of TCPA suits– generally by enforcing arbitration– and have gotten away with some pretty obnoxious behavior as a result.

For instance in Jones v Credit One Bank 2026 WL 622773 (N.D. Ok. March 5, 2026) they were able to rough up a pro se litigant and have his suit compelled to arbitration.

The interesting thing here though are the alleged facts. Per the complaint Credit One made “over nine-hundred phone calls and leave ten or more messages per day between January and June 2025, without his consent.”

That’s 150 calls a month (averaging basically 5  a day 7 days a week) plus apparently 10 messages per day.

That’s pretty obnoxious, if true.

Regardless, however, the court found Plaintiff had agreed to credit card user agreement by using the card– and the agreement contain an arbitration agreement.

So that’s that–case thrown out of court.

I will say Plaintiff did not have a lawyer here, but it probably wouldn’t have made much of a difference. Credit One has shown repeated ability to win these things. Queenie broke down another recent win on Deserve to Win a while back:

If you want to stay up to date on the latest TCPA developments be sure to request a copy of the 2026 Troutman Amin, LLP TCPA Annual Review, presented by Contact Center Compliance!

FIRST DAY OF CZARMAS 2026: THE 2026 TROUTMAN AMIN, LLP TCPA ANNUAL REVIEW, Presented By Contact Center Compliance is now FREE for the Asking!!!!!!!!!!!

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Published by Eric "Czar" Troutman

The Czar of TCPAWorld Eric Troutman is one of the country’s prominent class action defense lawyers and is nationally recognized in Telephone Consumer Protection Act (TCPA) litigation and compliance. He has served as lead defense counsel in more than 70 national TCPA class actions and has litigated nearly a thousand individual TCPA cases in his role as national strategic litigation counsel for major banks and finance companies. He also helps industry participants build TCPA-compliant processes, policies, and systems. Eric has built a national litigation practice based upon deep experience, rigorous analysis and extraordinary responsiveness. Eric and his team feel equally at home litigating multibillion dollar telecommunications class actions in federal court as they do developing and executing national litigation strategies for institutions facing an onslaught of individual TCPA matters. They thrive in each of these roles – delivering consistently excellent results – while never losing sight of the client experience. While many firms now tout TCPA expertise, Eric has been there from the beginning. He built one of the country’s first TCPA-only defense teams and began serving as national TCPA counsel for his clients nearly a decade ago. This perspective allows him to swiftly develop the right litigation strategies for dealing with recurring problems, without wasting time on tactics that are bound to fail. Eric’s rich historical perspective and encyclopedic knowledge of the TCPA landscape also make him an invaluable resource to institutional compliance teams struggling to comply with the shifting regulatory landscape. No task is too small – or too big. Indeed, Eric and his team have helped build TCPA-compliant systems and processes for some of the largest and most complex corporate entities in the country. He commonly works with in-house compliance counsel to build and implement enterprise and business-line specific TCPA solutions, performs TCPA audits and drafts and reviews proposed TCPA policies and procedures. He and his team also have the technical expertise necessary to assist call centers seeking to develop TCPA-resistant call path architecture or to modify existing telephony and software integration to better insulate from potential TCPA exposure. Eric has built a reputation for thought leadership. An avid blogger and speaker, he has been at the forefront of the industry’s effort to push for clarity and a return to sanity for the TCPA for years. He was selected to advocate for the financial services industry on important TCPA issues before the Federal Communications Commission and co-authored the nation’s only comprehensive practice guide on TCPA defense. In his spare time, Eric leads defense teams representing banks and other financial services companies in consumer finance litigation matters. He has experience representing clients in UCC, TILA, RESPA FCRA, CCRA, CLRA, FDCPA, RFDCPA and FCCPA claims, as well as in fraud and bank operations issues.

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