Every dollar amount and date on this page is quoted from the official settlement document.
Ed Napleton Automotive Group Refunds
Court case: FTC and the State of Illinois v. North American Automotive Services, Inc., et al. (d/b/a Ed Napleton Automotive Group)
Ed Napleton Automotive Group was caught adding unauthorized charges to car deals and hitting Black buyers with discriminatory financing rates. The FTC stepped in and sent refund checks directly — no claim form needed.
Official eligibility wordingConsumers who purchased vehicles from Ed Napleton Automotive Group dealerships and were charged unauthorized junk fees for add-on products (paint protection, gap insurance, extended warranties, payment insurance), and/or Black consumers charged discriminatory financing rates or add-on fees. Checked against the official settlement source by SettleSignal on June 17, 2026.
Key facts
- Who may qualify You may qualify if you bought a vehicle from an Ed Napleton dealership and were charged for add-ons you didn't agree to — things like paint protection, gap insurance, extended warranties, or payment insurance — or if you're a Black consumer who was charged higher financing rates or extra fees compared to other buyers.
- Estimated payoutMore than $9.8 million distributed across 66,355 checks averaging $147 each (first round, Nov 2022); additional $857,000 across 37,034 checks (second round, Nov 2023)
- What you needNo claim to file. This was an automatic refund program — eligible consumers received checks by mail without needing to do anything.
- CourtU.S. District Court for the Northern District of Illinois
How hard is this claim to file?
✅ You do not need to file — payment is automatic.
Watch out for
- Checks must be cashed within 90 days — the documents explicitly state this; sitting on a check means losing the money.
- Scammers may impersonate the FTC or Epiq and ask for fees or account information. The real FTC and Epiq never ask for money or account details to send a refund.
- The only legitimate refund administrator is Epiq at 1-888-691-6050 — do not use contact information found in unsolicited texts or emails.
- Two rounds of payments have already been distributed. It is not confirmed that additional rounds are planned.
We prepare — you file on the official site yourself. This is not legal advice and is not an eligibility decision; the administrator and court decide.
Verify it yourself
How we verified this record
- Payout details
- Eligibility
- Administrator
- Payment status
- 4 fields queued for re-check
1 official source linked to this record.
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Eligibility summary Quoted in the official eligibility wording above ↑
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Payment status
Distribution complete
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Estimated payout
More than $9.8 million distributed across 66,355 checks averaging $147 each (first round, Nov 2022); additional $857,000 across 37,034 checks (second round, Nov 2023)
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Administrator
Epiq
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Court
U.S. District Court for the Northern District of Illinois
Show all 3 more verified fields
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Automatic refund
Yes — automatic, no claim needed
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No-claim explanation
The FTC identified harmed consumers from Napleton's records and mailed checks automatically; no claim form required.
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Case name
FTC and the State of Illinois v. North American Automotive Services, Inc., et al. (d/b/a Ed Napleton Automotive Group)
Where to act
No claim form is needed — Epiq issues this refund automatically; confirm your eligibility and contact details on the official source.
No claim needed — payment is automatic
If you qualify, the settlement pays you automatically. There's nothing to file — just keep an eye on your mail or account around the payment date.
