The Western Union class action settlement — now in Phase 3 — distributes refunds to individuals who sent Western Union transfers between January 1, 2004 and March 9, 2020 and were victims of fraud schemes such as grandparent, lottery, romance, or sweepstakes scams. Unlike pro-rata distributions, this settlement offers full loss recovery equal to 100% of your verified transfer amount, with approximately $155 million remaining for Phase 3 claimants. The claim deadline is August 19, 2026 — file your verified claim through the official settlement portal before that date.