Westlake Financial Services Convenience Fee Settlement – File Your Claim by May 18, 2026

What happened

Class period: June 20, 2022 through August 18, 2025

When borrowers with Westlake Financial Services accounts made payments through ACI Payments, Inc., they were charged a "convenience fee" — a term that, in this context, mostly describes whose convenience was being served.

A class action lawsuit alleged that these fees violated California debt collection laws, specifically that Westlake had no legal basis to pass those fees on to borrowers making payments on their accounts.

Westlake denies any wrongdoing, but has agreed to establish a $1.2 million settlement fund to resolve the claims.

If you paid a convenience fee through ACI Payments on a Westlake account between June 20, 2022 and August 18, 2025, you are likely a class member and eligible to file a claim.

What you can get

Key dates

Who may qualify

• You have or had a retail installment contract assigned to Westlake Financial Services
• You paid a convenience fee to ACI Payments, Inc. when making a payment on your Westlake account
• That payment was made on or after the due date, or the due date is unknown based on Westlake's records
• The fee was paid between June 20, 2022 and August 18, 2025

How to file

1. Visit klarefeesettlement.com and click "Submit a Claim"
2. Log in using your Unique ID and PIN from the notice you received by mail
3. Select your preferred payment method: check, PayPal, Venmo, Zelle, or Westlake account credit
4. If you want payment as a Westlake account credit, download the paper claim form and mail it to the Settlement Administrator instead
5. If you cannot locate your Unique ID and PIN, contact the Settlement Administrator by email or phone to request them
6. Submit online or postmark your mailed form by May 18, 2026

Proof required

• No documentation required beyond completing the claim form and attesting that you paid a convenience fee
• Your Unique ID and PIN from the mailed notice are needed to file online — contact the Settlement Administrator if you cannot locate them

Payment timing

Payments will be distributed after the Court grants final approval at the April 16, 2026 hearing and all processing is complete. Payment amounts are pro rata and will depend on the total number of valid claims filed. If funds remain after the initial distribution, a secondary distribution will be made to valid claimants where economically feasible.

Important links

• Official website
• Claim form
• Important dates
• FAQs
• Documents

Contact

Extra details

Payment can be received electronically via PayPal, Venmo, or Zelle — you select your preferred method on the claim form.

If you want payment applied as a credit to your Westlake account, you must submit a paper claim form by mail rather than filing online.

If funds remain in the settlement pool after the initial distribution, eligible claimants may receive a second payment — so it is worth filing even if the first payout is modest.

The settlement fund is fixed at $1.2 million, so the more people who file, the smaller each individual share will be. Earlier filing does not increase your share, but submitting a complete and valid form does.

FAQ