If you paid a fee just to make a loan payment with Westlake, you may be entitled to cash back from this settlement. Here’s what to know—and how to claim it:
Why This Lawsuit Exists?
The lawsuit claims Westlake Financial Services charged illegal convenience fees when borrowers made payments through ACI Payments.
Fees were allegedly unlawful under California debt collection laws
Westlake denies wrongdoing
Settlement reached: $1,200,000
Who Qualifies?
You may be included if:
You had a retail installment contract assigned to Westlake
You paid a convenience fee to ACI Payments
The payment was made between:
June 20, 2022, and August 18, 2025
This applies whether your payment was:
On the due date
After the due date
Or if the due date is unknown
How Much You Can Get?
Payments come from a $1.2 million settlement fund
Your amount depends on:
The number of valid claims filed
The amount of fees paid
Important:
Payments are distributed per account (per capita)
A second distribution may occur if funds remain
Your Options (Know the Deadlines)
| Option | Deadline | What It Means |
|---|---|---|
| Submit a Claim | May 18, 2026 | Required to receive payment |
| Opt Out | February 3, 2026 | No payment, keep your right to sue |
| Object | February 3, 2026 | Tell the court you disagree |
| Do Nothing | — | No payment, lose right to sue |
How to File a Claim?
Filing is simple and required to get paid:
Steps:
Complete the online claim form
Choose your payment method
Payment options:
Direct deposit / electronic payment
PayPal, Venmo, Zelle
Paper check
Westlake account credit (must submit by mail)
