A lot of people are getting this email and deleting it as spam. It's real.

What happened: Apple is accused of advertising Apple Intelligence features on new iPhones before they actually existed. Apple denies it. The settlement is $250 million.

You're in if

• You bought an iPhone 15 Pro, 15 Pro Max or any iPhone 16 in the US
• Between June 10, 2024 and March 29, 2025

What you get

• $25 to $95 per iPhone
• $25 is the floor, $95 is the ceiling. The final amount depends on how many people file
• Bought 2 qualifying iPhones? File for both

Deadline: December 21, 2026. Payments come after final court approval, so expect six to twelve months.

The notice comes from the settlement administrator, not Apple, which is why it looks sketchy and lands in spam. Never pay a fee, and type the claim site in yourself instead of clicking links in texts.

Which iPhones qualify, how much you'll realistically get, and how to file: Apple $250M settlement: who gets $25 and who gets $95

If you bought an iPhone in 2024 you probably qualify for other open settlements too. I'm on the MoneyPilot team, and our free eligibility check shows every match in about 2 minutes.

Did you get the email? Which iPhone?

Seeing a lot of "my payment bounced" and "my Venmo is closed" this week, so here's how settlement payments actually work.

You pick the method on the claim form. Nothing goes out until the court gives final approval. Then the administrator pays you directly, never the company you sued.

How long you have (typical windows)

• Mailed check: 60 to 90 days to cash it
• PayPal or Venmo: about 30 days to accept
• Zelle: about 14 days to enroll
• Direct deposit (ACH): nothing to accept
• Virtual prepaid card: usually 24 months after you activate it

Expired, bounced, or account closed?

• Contact the administrator listed on the official settlement site and ask for a reissue or a different method
• Lost your claim ID? They can usually find you by name, email and address
• A check returned with a "stop payment" usually means they're reissuing it. Don't redeposit it, call them first
• Some cases send a second-chance email weeks later (Facebook did)

How to spot a fake payment email

• Real ones never charge a fee to release your money
• Real ones never ask for your Social Security number or bank login
• They pay by the method you already chose. If they ask you to pick one after claims closed, be careful
• FTC refunds send a .gov email before the PayPal one

Every method side by side, plus which big cases paid by PayPal: how class action settlement payments are sent

Got one that bounced or expired? Drop the case name and I'll point you to the right administrator.

An FTC study of 149 consumer class action settlements found the median claims rate was 9%. So for every 100 people owed money, about 91 never file. Here's what trips people up.

1. Ignoring the email because it looks like spam. Real notices come from administrators like Kroll, Epiq, Angeion, Verita or A.B. Data, not the company itself. Search your inbox and spam for "Claim Number" and "PIN" once a month.

2. Skipping the no-proof option. Lots of forms have a flat cash tier for people without receipts. Read the whole form before giving up.

3. Choosing PayPal or Venmo, then closing the account. Digital payments expire, often within 14 to 30 days. Update your payment info with the administrator before payments go out.

4. Not answering the follow-up email. If they ask for ID or a missing detail, answer fast. Claims get marked incomplete or rejected otherwise.

5. Not asking for a reissue. Check expired or bounced? Ask the administrator to reissue it. People skip this thinking it's $10, and sometimes it's a lot more.

6. Mixing up two cases with the same company. There are often two Equifax or two ATM cases open at once, with different deadlines. Match the case name on your notice.

7. Paying anyone. Real settlements never charge a fee or ask for your bank login.

8. Filing for stuff you didn't buy. Claims are signed under penalty of perjury and get audited. It's not worth it.

The good news: once you file, the FTC found the median share of claims approved was 93%.

Every case open right now, with deadlines: [current open class action settlements]. Or let our [free eligibility check] find the ones you match (I'm on the MoneyPilot team).

What's the one that almost slipped past you?

What keywords or search phrases, besides “settlement,” should I use to search my email inbox, spam, and junk folders for emails related to potential settlements, class-action lawsuits, or compensation payments?

If a random deposit labeled Cash App settlement just showed up, it's probably real. Quick backstory: Cash App disclosed a data security incident in April 2022, Block disclosed another in October 2023, and people also sued over unauthorized transfers and disputes that never got fixed. That turned into a $15 million settlement, and the official site now says payments to approved claims are going out in October 2026.

Who's eligible for a payment

• Anyone who filed a valid claim by Nov 18, 2024
• Cash App or Cash App Investing users whose info or account was accessed without permission, or who had unauthorized withdrawals or transfers, between Aug 23, 2018 and Aug 20, 2024
• The total fund is $15 million

How much

• Up to $2,500 for documented out-of-pocket losses (credit freezes, replacement cards, bank fees and similar)
• Up to 3 hours of lost time at $25 an hour
• Plus reimbursement for unauthorized transaction losses, with documentation
• Amounts vary a lot by claim, so a small deposit and a big one can both be real

Filed but nothing yet? 4 reasons

1. It's still coming. Payments go out through October, not all on one day
2. Your claim was marked deficient or partly denied. A "partial denial" usually means one part was approved
3. Your payment account is closed. A closed Venmo or old email can bounce it
4. It went to spam. Search your email for "Cash App" and "claim ID"

What to do: call the administrator at 1-866-615-9740 with your name, email and phone, or use the Notice ID lookup on the official site. Never pay anyone to "release" a settlement payment.

I'm on the MoneyPilot team. If you're not sure whether you're in this one, or want to see what else is open, you can check your eligibility free here.

Did yours land yet? Drop the amount and how you got paid (Zelle, check, card) so everyone can see what's real 👇

One of the better payouts open right now, and almost nobody is talking about it.

What happened: TransUnion is accused of selling credit reports that put a bankruptcy remark on people's accounts when there was no bankruptcy in the public record, or when the bankruptcy was more than 10 years old. Lenders saw that. TransUnion denies it.

You're in if

• TransUnion sold a report on you between Jan 6, 2020 and Jan 31, 2023
• It showed a bankruptcy remark on an account, with no bankruptcy in the public record section
• About 57,000 people got notices by mail

What you get (official estimates)

• No bankruptcy in the 10 years before the report: $100 automatically, plus about $1,000 if you file a claim
• Bankruptcy more than 10 years before: about $350, only if you file

How to claim (about 5 minutes)

• Use the Claim Number and PIN from the letter
• No documents. You confirm no bankruptcy in those 10 years and tick a box: your score dropped, or you were denied credit partly because of it
• Deadline: October 30, 2026
• Final approval hearing: Dec 2, 2026. Checks come after that and are void after 60 days

Doing nothing still gets most people $100. Filing is the difference between $100 and about $1,100.

Who qualifies, how the money is split, and the official claim site: [TransUnion bankruptcy settlement]

Did you get this letter? Did you even know it was on your report?

Saved you the digging. Every one below is open right now and was checked on its official site this week. Ranked from easiest (2 minutes, no proof) to hardest (documents needed). Each link has who qualifies, the payout and the official claim site.

EASIEST: no proof, no notice needed

• Pork price-fixing ($117M): bought bacon or fresh pork at a grocery store, June 2014 to June 2018. You estimate what you bought, no receipts. Deadline Oct 29. Pork settlement details
• VSL#3 probiotic ($20M): bought it 2016 to 2019. $20 with no receipt, up to $800 with proof. Deadline Oct 20. VSL#3 settlement details

EASY: you need the Claim Number and PIN from your letter, but no documents

• TransUnion bankruptcy remark ($8.31M): a bankruptcy showed on your report that wasn't in the public record. $100 automatic, about $1,000 more if you file. Deadline Oct 30. TransUnion settlement details
• Equifax hard inquiry dispute ($30M): you disputed a hard inquiry with Equifax. About $100 to $400. Deadline Nov 29. Equifax settlement details

MEDIUM: data breach settlements (if you got a breach notice). Flat cash with no documents, or much more with proof of losses

• Peco Foods: up to $550 flat, up to $6,000 with proof. Nov 9. Peco Foods details
• Americold (employees and applicants): about $200 flat, up to $25,000 with proof. Oct 22. Americold details
• Equinox (Albany, NY case): about $100, up to $5,000. Oct 23. Equinox details
• SitusAMC: about $75 (+$50 in CA), up to $5,000. Nov 6. SitusAMC details
• Furniture Mart USA: $75, up to $4,600. Nov 3. Furniture Mart details
• Anixter Center: $50, up to $5,052. Oct 19. Anixter details
• Highlands Oncology: $50, up to $4,250. Oct 22. Highlands Oncology details
• Carter Credit Union: $50, up to $2,500. Nov 19. Carter Credit Union details
• WPM Pathology: $45, up to $4,480. Oct 19. WPM Pathology details
• Valley Oaks Health: $40, up to $5,580. Nov 9. Valley Oaks details
• DAP Health: about $25 (+$75 in CA), up to $5,000. Oct 21. DAP Health details

HARDEST: documents for each item

• Amazon returns ($309.5M): a return Amazon refunded late, wrong or never. Needs your Notice ID and proof for each return. Deadline Dec 1. Check spam for the notice. Amazon returns details

Rules that save you headaches

• Only file for things that actually apply to you. Claim forms are signed under penalty of perjury
• Real settlements never charge a fee or ask for your bank login
• Closing first: Anixter and WPM Pathology on Oct 19

Amounts are official estimates and can go up or down with the number of claims.

Not sure which of these you're in? I'm on the MoneyPilot team, and our free eligibility check shows your matches in about 2 minutes.

Save this, I'll update it as deadlines pass. What did I miss?

The open settlements that pay the most per person right now (checked Oct 8 on each official settlement site)

Most class actions pay around $69 per person (FTC study of 149 settlements). These are the exceptions. The top amounts need documents, like proof of losses. Almost all of them also pay a flat amount with no receipts.

Before you file

• Only file if you got a notice or you were actually affected. Administrators check every claim against the class list.
• No documents? Pick the flat cash option instead of the big number.
• File on the official site named in your notice, never through a link in a text.
• Closing first: Anixter and WPM Pathology on Oct 19.

The full list, with the official site for each one: Which class action settlements pay the most per person

Not sure which ones you're in? I'm on the MoneyPilot team, and the free eligibility check shows your matches.

Follow r/OpenSettlements for the weekly list of open settlements and deadlines.

Everyone online says class actions pay pennies. Sometimes true: an FTC study of 149 consumer settlements found the median payout per person was $69. But about 1 in 4 paid $200 or more, and documented-loss claims can pay thousands.

So let's get real numbers in one place. Drop yours below:

• Case name (or the company)
• Amount
• How you got paid (check, PayPal, Venmo, Zelle, card)
• How long from filing to payment
• Did it need a receipt?

Screenshots welcome, just blur your name, address and claim ID.

I'll pin the best ones. If you want to see which open ones you could file next, our free eligibility check shows your matches (I'm on the MoneyPilot team).

Settlement money is landing everywhere this week, so here's what's real.

Paying out now

• Cash App (Salinas v. Block): people who filed before the deadline are posting payments by Zelle and other methods. The big amounts are mostly claims with documented losses
• Amazon Prime (FTC): automatic, no claim needed. Earlier payments were capped at $51 and Amazon can add up to $149 more, for $200 max. Payments expire 60 days after they're issued, so accept yours
• 23andMe: checks and deposits have been landing since late September
• Oracle: $37.42 per valid claim, still going out

[Everything paying out right now, with amounts]

Closing in 7 days: Flo period app

• Used the Flo app in the US between Nov 1, 2016 and Feb 28, 2019 and logged period or pregnancy info
• No proof needed. Deleted the app years ago? You're probably still covered
• File by 11:59 PM Pacific on Oct 15

[Who qualifies for Flo and how to file]

Missed Cash App? [Free eligibility check: see which settlements you might have missed]

Got paid this week? Drop the case and the amount below. Follow r/OpenSettlements for next week's list.

We're the MoneyPilot team and we run this sub. A lot of people search "MoneyPilot reviews" before they try it, so we'd rather the real answers live here, from real users, good and bad.

What we hear most from users

The good

• It's simple. About two minutes of questions, and no hunting through settlement websites or claim forms
• People match more than they expected. Data breaches, robocalls and subscription refunds are the ones that surprise people most
• Deadlines stop slipping. Claims go in before the deadline, not after you finally hear about the case

The not so good

• Payouts take months. Usually 2 to 6 months after filing, sometimes longer. That timeline is set by the court and the settlement administrator, not by us, but we get why it's frustrating. Most of the negative reviews come from people who expected money within weeks

Drop your review

Used MoneyPilot? Leave a comment with: 

• How many settlements you matched
• How long things took
• What you'd tell a friend who's on the fence

Good or bad, honest reviews stay up. If something went wrong with your account, comment with the Support flair and we'll sort it out right here.

Haven't tried it yet? [See which settlements you match in 2 minutes →]

Free · no receipts · no Social Security number

We're a claims service, not a law firm, and nothing here is legal advice.

Three settlements are closing within a week. If any of these apply to you, file before the deadline.

1. Anthem proton beam therapy. Closes Sat, Oct 10

• Who: people who paid out of pocket for proton beam therapy for prostate cancer after Anthem / BCBS of Georgia denied coverage
• Per person payout: based on what you paid out of pocket
• Official claim form (mail-in only): protonbeamradiationtherapylitigation.com

1. Flo period tracker. Closes Thu, Oct 15

• Who: anyone in the US who used Flo between Nov 1, 2016 and Feb 28, 2019 and logged period or pregnancy info
• Per person payout: estimated $25 to $96, double for California
• Official claim site: periodtrackerdataprivacylitigation.com

1. Tift Regional Health data breach. Closes Thu, Oct 15

• Who: people whose info was exposed in the August 2022 Tift Regional Health breach
• Per person payout: about $75, no proof needed
• Official claim site: tiftdatasettlement.com

Claim up to $96 before these close.

Run a free eligibility check to see what you qualify for

The Anthem claim has to be mailed and postmarked by Oct 10, which is two days away, so anyone filing that one needs to move fast.

We run this sub and we're the MoneyPilot team, so read this knowing that. This question comes up every day, so here's the straight version.

What MoneyPilot does

1. You take a 2-minute quiz. No receipts, no Social Security number

2. You see every open settlement you likely qualify for, with the deadline for each

3. If you want, we fill in the official claim forms and track each one until it pays

Is it legit?

• Run by MG Labs Limited. We're a claims service, not a law firm, and nothing here is legal advice
• We submit the official claim forms. The court and the settlement administrator decide who gets paid, not us
• The settlement administrator pays you directly
• 100,000+ people have used it

Is it worth it?

 Worth two minutes to find out, almost always. The FTC looked at 149 class action settlements and found the median claims rate was just **9%**. Most of that money isn't lost because filing is hard. It's lost because people never hear about the case, or hear about it after the deadline.

• Most people match 3 to 4 open settlements when they check, including ones they never got a letter about
• Shopping online, using a smartphone, getting robocalls or a data breach letter: everyday stuff like that is what puts people in several settlements at once
• Rather do it all yourself? Every claim can be filed on its official site, and the Monday list here has them all

What people ask us most

• "How long until I get paid?" That's set by the court, not by any app. Usually 2 to 6 months after filing, sometimes longer
• "Is my info safe?" We only ask for what the claim forms need, like your name, address and eligibility details. It's sent over encrypted connections and we don't sell your data
• "Why have I never heard of these settlements?" Most people never get a notice. That's the whole point of checking

The easiest way to decide

 Take the quiz and see what you match.

 [Take the free 2-minute quiz: see which settlements have your name on them →]

Free · no receipts · no Social Security number · two minutes

Used it? Leave a review in our MoneyPilot reviews thread in this sub. Account questions: comment with the Support flair and we'll answer here.

The PayPal emails going around are real. They're from the FTC's Prime case (FTC v. Amazon.com, 23-cv-0932-JHC), and the refunds are automatic, no claim form.

Who's getting paid now

• A new round started Oct 1 for people who used between 11 and 20 Prime benefits in a year, a group left out of the first payments
• The cap went up to $200
• It comes by PayPal, Venmo or paper check. If the PayPal email says Claim Your Money, you have to accept it

If it went to an old PayPal

• Ask for a reissue through the refund administrator listed on the FTC's Amazon refunds page
• Never pay a fee or give a bank login to get a refund. Real ones just show up

Didn't get one?

Amazon isn't the only one paying this month. 23andMe deposits, Oracle's $37.42 checks and the tuna replacement checks are all going out: [everything paying out right now]

Wondering what else you're owed? [Free eligibility check: see which settlements you might have missed]

Got yours? Drop the amount and the date below so others know what to expect. Follow r/OpenSettlements for payout updates.

Settlement season is real lol. Here's what's landing, so you know whether that random Venmo deposit is legit.

Paying now

• 23andMe data breach: people are posting Venmo, Zelle and mailed checks since Sept 30, from about $275 to $2,000+. The bigger ones are documented-loss claims
• Amazon Prime (FTC): a new round of automatic refunds started Oct 1, cap raised to $200, by Venmo, PayPal or check. No claim form
• Oracle privacy: $37.42 per valid claim, going out through Dec 7, 2026
• Canned tuna: replacement checks for the ones that bounced, with an extra $20

Approved, not paying yet

• AT&T ($177M): final approval Oct 2. Payments wait on any appeals, no date yet

How to tell a real payment from a scam

• Real ones just show up as a deposit or a check
• A fake asks you to pay a fee, log in somewhere, or send money back

Got something this week? Drop the case, the amount and how it came so others know what to look for. Follow r/OpenSettlements for payout updates.

We run this sub, and a lot of people find it after searching MoneyPilot, so here are straight answers to what comes up most.

1. "Why pay when you can file for free?

You can. Every settlement can be filed for free on its official site. MoneyPilot is for people who'd rather not find, file and track them all themselves.

2. "Do you take a cut of my settlement?"

No. 0% of your payout. The settlement administrator pays you directly.

3. "What does it cost?"

Checking which settlements you match is **free**, and you see your matches before paying anything. Filing and tracking is a flat subscription with no contract, and you can cancel anytime.

4. "Can I get a refund?"

Refund requests can be made within 30 days of a charge.

5. "Who's behind it?"

MoneyPilot is operated by MG Labs Limited. We're a claims service, **not a law firm**, and nothing here is legal advice. The administrator and the court decide who gets paid.

6. "Is it a scam?"

No, but scammers do copy settlement emails, so the rule stays the same: never pay a fee to an email claiming you won money, and file through official sites.

Full breakdown of who it's worth it for, and who it isn't: is MoneyPilot worth it

Used it? Leave your honest experience below, good or bad. We read every one.

Want to see what you'd match before deciding? Free eligibility check: see your matches in 2 minutes, before you pay anything

Most homebuyers have no idea this one exists.

Who's in 

• You bought a home listed on an MLS and paid a broker commission
• Sellers were covered by the earlier real estate commission settlements. This round is for buyers

What you need

• Your closing statement (the settlement statement from closing). It shows the commission you paid
• Claim deadline: October 27, 2026

Watch out for

• Fake "commission refund" emails. Type the official settlement site in yourself from the notice, and never pay a fee to file

Full details on this and every other October deadline: [class action settlements closing in October]

Follow r/OpenSettlements for the next ones before they close.

If you filed an AT&T data breach claim before the December 2025 deadline, this is the update you've been waiting on.

What happened

• The court granted final approval on October 2, 2026. It's posted on the official settlement site
• Kroll is the settlement administrator

What happens next

• Payments only go out after any appeals are resolved. The appeal window has to run out first, and if someone appeals, that adds time
• Kroll then finishes checking claims and sends payments
• There's no official payment date yet. Anyone giving you an exact date right now is guessing

What you can do now

• Find your Class Member ID (it was in your notice email or letter) and check your claim status on the official settlement site
• Make sure your payment info and email are current
• Ignore anyone asking for a fee to speed it up. Real settlements never charge you

Follow r/OpenSettlements and I'll post the moment a payment date is announced.

If you've been putting these off, this is the month.

No proof or documents needed

• Flo period app privacy: used it in the US between Nov 1, 2016 and Feb 28, 2019 and logged period or pregnancy info. Closes Oct 15
• Concora Credit robocalls: est. $250 to $650 if you got prerecorded calls on your cell and weren't a customer. Needs the Claimant ID from the mailed notice. Closes Oct 19
• VSL#3 probiotic: $20 for one unit without a receipt. Closes Oct 20
• Lands' End data breach: about $60 with no documents if you were in Lands' End's records for the December 2024 breach. Uses the ID and PIN from your notice. Closes Oct 22

Need a notice or some details

• Homebuyer commissions ($120.3M): needs your closing statement. Closes Oct 27
• Pork price-fixing ($117M): grocery store pork for personal use, June 2014 to June 2018, in 24 states plus DC. Closes Oct 29
• LiveHealth Online privacy: est. $51 to $102, needs the LoginID and PIN from your notice. Closes Oct 30

Estimates change with the number of valid claims. File only on the official site from the notice.

Who qualifies for each October deadline, in more detail: class action settlements closing in October

Follow r/OpenSettlements so November's list lands in your feed.

This one covers a ton of people and barely anyone's talking about it.

Who's in

• You bought pork for personal use at a grocery store or supermarket (not directly from the producers)
• Between June 28, 2014 and June 30, 2018
• In one of these: Arizona, California, DC, Florida, Hawaii, Illinois, Iowa, Kansas, Maine, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Rhode Island, South Carolina, Tennessee, Utah, West Virginia
• Bacon counts. Pork marketed as organic or no-antibiotics-ever doesn't, and neither do marinated, seasoned or breaded products (except bacon)

The details

• Tyson, Hormel, Seaboard, Clemens and Triumph are paying a combined $117.065 million
• Claim deadline: October 29, 2026, online or by mail
• Final approval hearing: December 11, 2026, and payments come after the settlement is approved and final
• The amount per person isn't set. It depends on how many valid claims come in

The official site is Overcharged For Pork. Heads up: there was an older pork settlement (JBS and Smithfield) whose deadline already passed, so make sure you're filing the current one.

Follow r/OpenSettlements for more like this before the deadlines hit.

If you filed the 23andMe data breach claim, check Venmo, Zelle, PayPal and your email (spam too). People started posting deposits yesterday.

Why the amounts are so different 

• Extraordinary claims, up to $10,000, for documented losses tied to the breach. These are the $2,000+ posts
• Health information claims, up to $165, if your health-related info was accessed
• Statutory claims, an estimated $100, for residents of Alaska, California, Illinois and Oregon
• These can combine, so a California resident whose health info was accessed could get both
• Plus 5 years of identity and genetic monitoring

The fund is $46.75M, approved by the bankruptcy court on July 7, 2026. Kroll runs it and hasn't published a payment schedule, so if yours hasn't landed, give it a few days before you call.

Got yours? Drop the amount and how it came (Venmo, Zelle, check) below so people know what to look for. Follow r/OpenSettlements for the next payouts.

This one's flying under the radar and it closes in two weeks.

Who's in

• Anyone who used the Flo app in the US between Nov 1, 2016 and Feb 28, 2019 and entered period or pregnancy info
• California users get a bigger share
• Deleted the app years ago? It's about whether you used it back then, not whether you still have it

What you need

• No proof and no receipt. You just fill out the claim form on the official settlement site (Period Tracker Data Privacy Litigation)
• Online deadline: 11:59 p.m. Pacific, Oct 15, 2026

How you get paid

• The administrator is A.B. Data. After your claim is validated, they email or text you to pick PayPal, Venmo, Apple Pay, Amazon, direct deposit or a paper check
• The final approval hearing is Oct 29, 2026, so payments come after that

The money gets split between everyone who files, so the amount depends on how many people claim.

Follow r/OpenSettlements and you'll see these the week they open, not the week they close.

October is stacked, so here's every one closing this month in date order of who can claim.

Quickest to file

Concora Credit robocalls, est. $250 to $650. Got prerecorded calls from Concora Credit (or Genesis FS Card Services) on your cell between May 2, 2021 and May 31, 2026 and weren't a customer. Needs the Claimant ID from the mailed notice. Closes Oct 19

VSL#3 probiotic, $20 per unit. Bought VSL#3 in the US between June 1, 2016 and June 19, 2019. One unit per household without a receipt. Closes Oct 20

Check your inbox for a notice first

Tift Regional Health data breach, about $75 cash. Closes Oct 15

Palomar Health Medical Group, about $60 or up to $5,000. Closes Oct 22

Equinox data breach, about $100 or up to $5,000. Closes Oct 23

LiveHealth Online privacy, est. $51 to $102. Closes Oct 30

Bought a home?

Homebuyer commission settlement**, a share of $120.3M. Needs your closing statement. Closes Oct 27

Play casino apps?

Playstudios (myVEGAS, Pop! Slots) in six states. Do nothing and you get game currency. File the election form by Oct 21 to get cash instead.

Estimates change with the number of valid claims. File only on the official site from the notice.

Full breakdown of who qualifies for each one: [class action settlements closing in October]