Find and safely file class-action settlement and FTC refund claims
Use AI to check whether you qualify for open settlements and to confirm a claim site is legitimate before you enter any personal data.
1. Copy this prompt
Paste it into ChatGPT, Claude, Gemini or Grok (the free versions work), then replace the [highlighted brackets] with your details. Leave out account numbers and SSNs.
Here's the eligibility text from a settlement notice: [PASTE]. 1) In plain English, who qualifies, what proof is needed, the deadline and the estimated payout? 2) Based on my situation ([describe purchases/accounts/dates]), do I likely qualify? 3) How do I verify this is a real settlement (court, case number, official administrator), and what red flags would suggest a scam?
2. Follow these steps
(stored only in your browser; uncheck to erase)
What to expect, and what to do if they say no
What happened when people tried it
- We haven't verified a real-world example for this one yet, so it's a tool guide plus a prompt. Tried it? Tell us what happened (link below).
Why this works
The problem: Settlement notices look like spam, and fake claim sites exist. Many eligible people never file.
How AI helps: AI can read settlement eligibility rules, compare them with your purchase history, and run a legitimacy check (official administrator, court case number, FTC listing).
Tools & what they cost
| Tool | Cost |
|---|---|
| FTC Refunds (official) The FTC never charges fees to get a refund | Free (No cost at all) Free |
| Top Class Actions Not an official site. Verify each settlement with the administrator or court | Free (No cost at all) Free (ad-supported) |
What do these labels mean?
- Free No cost at all.
- Free option available Paid upgrades exist, but the free version works for this.
- Costs money You pay a set price or subscription.
- Takes a cut of savings Charges a percentage of what it saves you.
- Time · Difficulty Our estimates for a typical first try, not guarantees.
- Reported What the linked source says happened, often self-reported. Your results will vary.
Watch out for
- Legitimate settlements and the FTC never charge a fee to claim. Don't give bank login credentials.
- Filing a claim you aren't eligible for can be fraud.
Was this helpful?
Tried it? Tell us what happened, good or bad. We read every reply and may share success stories (only with your OK).
Sources
- https://www.ftc.gov/enforcement/refunds
- https://www.ftc.gov/enforcement/recent-ftc-cases-resulting-refunds/refund-programs-frequently-asked-questions
- https://consumer.ftc.gov/consumer-alerts/2019/10/ftc-refunds-real-deal-or-not
Last verified 2026-10-19. Not financial, legal, tax or medical advice. Disclaimer.