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Check Your Eligibility

Flagship Credit Acceptance

If you’ve paid processing or convenience fees to Flagship Credit Acceptance, you may be eligible to pursue a legal claim for improper fees and violations of consumer protection laws.
See If You May Qualify
What happened?

Claims allege that Flagship Credit Acceptance improperly charged consumers payment processing or “convenience” fees for using expedited methods such as online portals, debit cards, and telephone payments.

How We May Help

Class Action U is here to help you understand your rights and get you in touch with a skilled attorney who can guide you through the legal process.

What You Can Do

If you’ve made a payment through Flagship’s online payment portal or by telephone in the last year, and have been charged processing fees, you may be eligible to pursue compensation.

Consumers claim that Flagship Credit Acceptance charged fees that were allegedly not disclosed at the time of the loan agreement and were not authorized in the Retail Installment Sales Contract (RISC). Consumers may have been misled into paying these fees without proper disclosure, violating the Truth in Lending Act (TILA) and the Fair Debt Collection Practices Act (FDCPA). In addition, Flagship may have violated state laws by imposing unauthorized charges without clear authorization.

If you meet the following criteria, you may be eligible to participate in the arbitration process and may be eligible to pursue a legal claim:

  1. Age Requirement: You are 18 years or older.
  2. Flagship Loan Holder: You have a current or past auto loan with Flagship Credit Acceptance.
  3. Online Payments: You have made payments through Flagship’s online payment portal within the past year.
  4. Fee Charges: You were charged payment processing or convenience fees that were not clearly disclosed in your Retail Installment Sales Contract (RISC).

If you believe you have been impacted here’s what you can do:

  1. Confirm Loan Information: Provide your loan agreement and any email or documents associated with your Flagship online account.
  2. Upload Documentation: Submit proof of your payment through Flagship’s online payment portal, including any email confirmation, screenshots, or receipts.
  3. Complete the Form: If you qualify, complete the form and submit your documentation to determine if you may pursue compensation.
See If You May Qualify
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Frequently Asked Questions

You may qualify if you used the company’s product or service during the time period when the issue affecting other consumers occurred, agreed to the company’s terms of service (which include a mandatory arbitration clause), and experienced the same problem affecting the larger group.

To confirm your eligibility, gather proof of use, such as receipts, account statements, or confirmation emails and complete the intake form to work with our attorneys.

Compensation varies based on your individual damages; there’s no flat payout amount. Settlement amounts are awarded based on each person’s specific circumstances, which often leads to higher individual payouts compared to class action lawsuits where a single settlement fund is divided equally among many participants. Once settled, arbitration decisions are legally binding, meaning the company must pay your full settlement amount.

The mass arbitration process starts with intake and evidence gathering, followed by sending a Notice of Dispute to the company. Once the filing deadline passes, claims are officially filed and a Process Arbitrator is appointed to manage administrative matters. The parties then enter a global mediation phase to negotiate settlement within 120 days. If claims don’t settle, select cases move to a bellwether phase where an arbitrator rules on representative test cases. Finally, after settlement or individual awards are made, claimants receive their compensation payouts.

Nothing. In most cases handled by our partner firms, consumers pay $0 out of pocket to start their claim. Your attorneys will cover any filing fees as part of their contingency arrangement, and the company is required to pay the arbitrator’s fees and most administrative costs. For people with legitimate claims, there is virtually no financial risk in joining a mass arbitration.

A mass arbitration typically takes about 8 to 18 months to resolve, which is significantly shorter than a federal court lawsuit that averages 31 months. The timeline includes intake and evidence gathering (30-90 days), notice of dispute (30-60 days), a mandatory global mediation period within 120 days, and potentially a bellwether phase (6-12 months) if the case doesn’t settle earlier.

Mass arbitration involves filing many individual claims against the same company that are coordinated together, with each claim remaining separate and potentially resulting in individual settlements.

Class actions consolidate all claims into a single lawsuit resolved by a court.

Key differences include:

  1. Speed: arbitration is typically faster
  2. Control: Arbitration gives individuals more control over their claim
  3. Privacy: mass arbitration is confidential while class actions are public record.

No, mass arbitration takes place outside of court through a private arbitration process. Most hearings can be held virtually via telephone or videoconference, depending on the claim amount and circumstances.

Once the company settles, individual payments are distributed to claimants based on their specific damages. Rather than dividing one settlement fund equally like a class action, each person receives compensation calculated according to their unique circumstances and the extent of their harm. The settlement is legally binding, meaning the company must pay all awarded amounts. This individualized approach often results in higher payouts per person compared to class action settlements.