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Data Breach No Proof Required

American Consumer Credit Counseling Data Breach Settlement

Settlement Amount
Up to $3,580 per class member
Claim Deadline
September 16, 2026
Max Per Claimant
Up to $3,580 per class member

American Consumer Credit Counseling has agreed to settle Dinkel, et al. v. American Consumer Credit Counseling, Inc. over a January 2025 data incident affecting approximately 11,611 people. Eligible class members may receive a $45 flat cash payment with no proof, or up to $3,500 for documented losses plus three years of credit monitoring. Deadline: September 16, 2026.

Do I Qualify?

You may be eligible if:

$45 Alternative Cash Payment: No documentation required — file online with Login ID and PIN from your notice. Documented Losses: Up to $3,500 plus up to $80 lost time requires supporting documentation.

File your claim through the official settlement website at acccsettlement.com before September 16, 2026.

File Your Claim →

What Happened?

A criminal third party gained unauthorized access to certain employee email accounts at American Consumer Credit Counseling, Inc. on January 29, 2025. ACCC discovered the incident on June 27, 2025 and began notifying affected individuals. Exposed information may have included names, Social Security numbers, driver's license numbers, financial account numbers, and/or payment card information.

Case caption: <em>Dinkel, et al. v. American Consumer Credit Counseling, Inc.</em>, Case No. 2581CV02933, Superior Court of Middlesex County, Massachusetts.

ACCC denies wrongdoing but agreed to settle to avoid the costs and uncertainty of continued litigation. Final approval hearing is October 8, 2026.

How to File Your Claim

  1. Visit ACCCSettlement.com and file online using the Login ID and PIN from your settlement notice
  2. Or download the claim form from the official site and mail or email it to the Settlement Administrator
  3. Choose the $45 Alternative Cash Payment (no documentation) OR claim up to $3,500 for documented out-of-pocket losses plus up to $80 for lost time (4 hours at $20/hr)
  4. All class members may also elect three years of CyEx Financial Shield Complete credit monitoring with $1M fraud insurance
  5. Submit by September 16, 2026
  6. Final approval hearing is October 8, 2026
  7. Administrator: Dinkel v. American Consumer Credit Counseling, P.O. Box 25226, Santa Ana, CA 92799
  8. Phone: 833-421-7260
  9. Visit the official claim form: https://www.acccsettlement.com/

How Much Will I Actually Get?

Class members choose ONE cash option: (1) Alternative Cash Payment — a flat $45 with no proof required, OR (2) Documented Losses — up to $3,500 for unreimbursed out-of-pocket losses fairly traceable to the data incident (identity theft, fraud, credit monitoring fees, ID replacement, postage contacting financial institutions), PLUS up to $80 for lost time (4 hours at $20/hr). All class members may also elect three years of CyEx Financial Shield Complete monitoring with $1M fraud insurance regardless of which cash option they choose.

Last reviewed: July 7, 2026 | Information verified from court records and official settlement documents.

Frequently Asked Questions

Who qualifies for the American Consumer Credit Counseling data breach settlement?
You may qualify if you are a U.S. resident who received notice that your private information may have been impacted in the January 2025 data incident at American Consumer Credit Counseling, Inc. (ACCC). The incident affected approximately 11,611 individuals whose names, Social Security numbers, driver's license numbers, and/or financial account or payment card information may have been exposed.
How much can I get from the ACCC settlement?
You may choose a flat $45 Alternative Cash Payment with no documentation required, OR claim up to $3,500 for documented out-of-pocket losses traceable to the breach plus up to $80 for lost time (4 hours at $20/hr). All class members may also elect three years of CyEx Financial Shield Complete credit monitoring with $1M fraud insurance, regardless of which cash option they select.
Is proof required for the ACCC settlement?
No documentation is required for the $45 Alternative Cash Payment — you only need your Login ID and PIN from the settlement notice to file online. Documented loss claims up to $3,500 and lost-time reimbursement up to $80 require supporting documentation. Credit monitoring enrollment is available to all class members without additional proof beyond filing a claim.
What is the ACCC data breach settlement deadline?
Claims must be submitted online or postmarked by September 16, 2026 at ACCCSettlement.com. The final approval hearing is scheduled for October 8, 2026 at 2:00 P.M. EST in the Superior Court of Middlesex County, Massachusetts (Case No. 2581CV02933).
What information was exposed in the ACCC data breach?
In January 2025, a criminal third party gained unauthorized access to certain ACCC employee email accounts. Investigation determined on June 27, 2025 that affected files contained names, Social Security numbers, driver's license numbers, financial account numbers, and/or payment card information for approximately 11,611 people.
How do I file a claim for the ACCC settlement?
File online at ACCCSettlement.com using the Login ID and PIN from your settlement notice — this is the fastest method. You may also download a paper claim form from the official site and mail or email it to the Settlement Administrator at P.O. Box 25226, Santa Ana, CA 92799. For questions, call 833-421-7260.

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