American Consumer Credit Counseling Data Breach Settlement — Do You Qualify?
Updated August 8, 2026
- Defendant
- American Consumer Credit Counseling, Inc.
- Status
- Open to claims
- Potential payout
- Up to $3,580 or a $45 alternative payment, plus three years of monitoring
- Claim deadline
- September 16, 2026
- Settlement fund
- Not stated on the official settlement website
- Proof required
- No claim form proof for basic payout
Overview
The proposed settlement would resolve claims arising from a January 2025 cybersecurity incident involving unauthorized access to certain American Consumer Credit Counseling employee email accounts. Potentially affected information may have included names, Social Security numbers, driver's license numbers, financial account numbers, or payment card information. The case is Dinkel, et al. v. American Consumer Credit Counseling, Inc., No. 2581CV02933, in the Superior Court of Middlesex County, Massachusetts. ACCC denies the allegations, and the court has not decided the claims.
Who qualifies
- You reside in the United States.
- Your personally identifiable information was potentially compromised in ACCC's January 2025 data incident.
- The class expressly includes people who received notice of the incident.
What you could receive
All class members may enroll in three years of CyEx Financial Shield Complete with $1 million in financial fraud insurance. Claimants may choose Category 1, which offers up to $3,500 for documented losses plus up to four hours of lost time at $20 per hour, or Category 2, a one-time $45 alternative cash payment that does not require proof or an explanation. A claimant cannot receive both cash categories.
How to file your claim
- 1Visit the official settlement website and open the online claim form.
- 2Enter the requested notice and contact information.
- 3Choose Category 1 documented losses and lost time or the Category 2 $45 alternative cash payment, and select monitoring if desired.
- 4Upload supporting records for documented-loss claims, then submit online or mail the signed form by September 16, 2026.
Official settlement site: ACCCSettlement.com. Class Action Pulse is not the settlement administrator or a law firm — always verify eligibility, deadlines, and payout details through the official source above.
Do you qualify?
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Sources
Frequently asked questions
Who qualifies for the ACCC data incident settlement?
The class includes U.S. residents whose personally identifiable information was potentially compromised in the January 2025 incident, including everyone sent notice of the incident.
Is there a payment that does not require proof?
Yes. Eligible class members may choose a one-time $45 alternative cash payment without proof instead of claiming documented losses and lost time.
When is the claim deadline?
Claims must be submitted online or postmarked by September 16, 2026.