The Federal Trade Commission doesn't just fine companies — it forces them to pay refunds directly to affected consumers. These FTC refund programs operate differently from class action settlements, and they're often even easier to claim.
How FTC refunds work
When the FTC takes enforcement action against a company, the settlement often includes a consumer redress fund. The FTC identifies affected consumers (usually from the company's own records) and sends refund checks or payments directly — sometimes you don't even need to file a claim.
Why FTC refunds are different from class actions
- You might get paid automatically. The FTC often has access to the company's customer database, so they can send refunds without you filing anything.
- No lawyers taking a cut. In class actions, attorneys' fees come out of the settlement fund. FTC refunds go entirely to consumers.
- The FTC does the work. They investigate, litigate, and distribute — you just need to watch for a check in the mail or an email about claiming your refund.
Recent FTC refund programs
Amazon Prime (Dark Patterns)
The FTC alleged Amazon used deceptive design practices to trick users into signing up for Prime. Refunds of up to $51 are available for affected consumers.
Publishers Clearing House
PCH was ordered to pay $18.5 million for deceptive practices. Affected consumers received refund checks — many without even filing a claim.
Fortnite / Epic Games
Epic Games paid $245 million in refunds for unauthorized charges, particularly those made by children without parental consent. Over 37 million players were eligible.
How to check if you're owed an FTC refund
- Visit ftc.gov/refunds — the FTC maintains a list of active refund programs
- Check your email — search for emails from "FTC" or the settlement administrator
- Watch your mail — FTC refund checks are real. If you get one, cash it. They typically expire after 90 days
Important: FTC checks are real
A common reaction to an unexpected FTC refund check is "this must be a scam." It's not. The FTC really does mail checks to consumers. If you receive one, verify it at ftc.gov/refunds and cash it promptly. Thousands of dollars in legitimate FTC refunds go uncashed every year because people assume they're fake.