Every dollar amount and date on this page is quoted from the official settlement document.
Early Warning Services, LLC; Bank of America, N.A.; JPMorgan Chase Bank, N.A.; Wells Fargo Bank, N.A
Court case: Stewart, et al. v. Early Warning Services LLC
If you requested your consumer file from Early Warning Services (EWS) between March 7, 2016 and February 21, 2020, you may be part of this FCRA settlement in the U.S. District Court for the District of New Jersey, Case No. 2:18-cv-03277-CCC-SCM. If EWS sent you a "Summary File Disclosure" instead of your complete file, or listed a fraud-related record without using the word "fraud," you belong to the (b)(3) class, which pays about $58.77 per person from a $3,975,000 fund. The (b)(2) class gets no cash, only EWS process changes. JND Legal Administration pays automatically; nothing to file.
Official eligibility wordingIndividuals who requested their file from Early Warning Services between March 7, 2016 and Feb. 21, 2020 and received a Summary File Disclosure or had a fraud record indicated without the term 'fraud' being used. Checked against the official settlement source by SettleSignal on September 14, 2026.
Key facts
- Who may qualify You're covered if you asked Early Warning Services for your consumer file between March 7, 2016 and February 21, 2020. Two classes exist: the (b)(2) class received only a "Summary File Disclosure" instead of the complete file; the (b)(3) class had a fraud-related record on file, but EWS's disclosure described it as "unauthorized or prohibited" conduct instead of using the word "fraud." Excluded: anyone who already released claims against EWS or had an Internal Fraud Prevention Service match on file.
- Estimated payoutApproximately $59 per member for Class (b)(3); injunctive relief only for Class (b)(2)
- Proof requiredNo
- What you needNo claim form is needed. EWS gave JND Legal Administration the class lists directly, and JND mails or issues payment to (b)(3) class members automatically. There is nothing to sign, submit, or postmark to receive your payment.
- CourtU.S. District Court for the District of New Jersey
Important dates
Verify it yourself
How we verified this record
- Payout details the official settlement website · Jun 17, 2026
- Eligibility the official settlement website · Jun 17, 2026
- Proof requirement the official settlement website · Sep 14, 2026
- Administrator the official settlement website · Sep 14, 2026
- Court case the official settlement website · Sep 14, 2026
- Payment status the official government refund program page · Jun 20, 2026
- 2 fields queued for re-check
5 official sources linked to this record.
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Eligibility summary Quoted in the official eligibility wording above ↑
Verified Jun 17, 2026 · against the official settlement website
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Proof requirement
No
Verified Sep 14, 2026 · against the official settlement website
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Payment status
Not applicable
Verified Jun 20, 2026 · against the official government refund program page
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Estimated payout
Approximately $59 per member for Class (b)(3); injunctive relief only for Class (b)(2)
Verified Jun 17, 2026 · against the official settlement website
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Administrator
JND Legal Administration
Verified Sep 14, 2026 · against the official settlement website
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Court
U.S. District Court for the District of New Jersey
Verified Sep 14, 2026 · against the official settlement website
Show all 8 more verified fields
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Objection deadline
May 11, 2020
Verified Sep 14, 2026 · against the official settlement website
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Opt-out deadline
May 11, 2020
Verified Sep 14, 2026 · against the official settlement website
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Automatic refund
Yes — automatic, no claim needed
Verified Sep 14, 2026 · against the official settlement website
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Class period start
March 7, 2016
Verified Sep 14, 2026 · against the official settlement website
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Class period end
February 21, 2020
Verified Sep 14, 2026 · against the official settlement website
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Court case number
2:18-cv-03277-CCC-SCM
Verified Sep 14, 2026 · against the official settlement website
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No-claim explanation
Settlement is administered directly by JND Legal Administration; no claim form required for class members.
Verified Jun 17, 2026 · against the official settlement website
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Case name
Stewart, et al. v. Early Warning Services LLC
Verified Sep 14, 2026 · against the official settlement website
Where to act
No claim form is needed — JND Legal Administration issues this refund automatically; confirm your eligibility and contact details on the official source.
