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May 11, 2013

The Settlement Administrator is issuing distribution checks to the over 190,000 claimants who submitted valid claims in the case. You should note that distribution checks will be void after 180 days from the date on the check. We encourage you to deposit your check promptly.

If you filed a valid claim in this case and do not receive a check by June 30, 2013, you should contact the Settlement Administrator using the "Contact Us" button to the right, or you may write to the Kardonick Settlement Administrator at P.O. Box 280, Philadelphia, PA 19105-0280.

You should not contact the Court.

Frequently Asked Questions




 Questions Relating to the Lawsuit
  • Who is in the Settlement Class and what are Payment Protection Products?   (top)
    The United States District Court for the Southern District of Florida has certified, for settlement purposes only, a class action Kardonick, et. al. v. JPMorgan Chase & Co. et al., Case No. 10-cv-23235. The class (the "Settlement Class") is defined as:


    All Chase credit card holders who were enrolled in or billed for a Payment Protection Product at any time between September 1, 2004 and November 11, 2010. Excluded from the class are all Chase cardholders whose Chase credit card accounts that were enrolled or billed for a Payment Protection Product were discharged in bankruptcy.



    Chase credit card holders include holders of Chase-issued credit and charge card accounts and Chase-issued business cards and private label cards such as Chase-issued Toys "R" Us, Kohl's, TJMaxx, Best Buy, or Circuit City cards.

    "Payment Protection Product" means any products offered by Chase (whether directly or indirectly through co-brand, private label, or other partners) under which credit card debt may be cancelled or suspended under certain circumstances such as death, disability, hospitalization, or unemployment. Payment Protection Products include, but are not limited to, Chase Payment Protector, Chase Payment Advantage, Account Protection Plan, Total Protection Plan, Account Security Plan, Account Ease, and any other Chase business card or private label account debt suspension or cancellation product, by whatever name any of the foregoing products are or were known. "Payment Protection Product" does not include non-credit card products. In some instances, cardholders may be class members because they enrolled in a payment protection product on a Bank One, Providian or Washington Mutual credit card account and then continued their enrollment after the account became a Chase account.
  • What was this lawsuit about?   (top)
    This case was brought as a class action alleging that Defendants engaged in breaches of contract, breaches of implied covenant, and violations of the unfair and deceptive acts and practices statutes of various states, among other matters, in connection with the marketing, selling, and administration of Payment Protection Products. More specifically, the lawsuit alleges that Chase unilaterally enrolled cardholders in Payment Protection Products that suspend or cancel the balance due on the credit card under certain circumstances without adequately disclosing the terms of these products prior to enrolling a customer. The lawsuit further alleges that it was too difficult to obtain Payment Protection benefits for eligible claims, it was too difficult to disenroll from Payment Protection Products, and that those Products were improperly marketed and sold.

    Chase denies these allegations; however, in order to avoid the expense, inconvenience, and distraction of continued litigation, Chase has agreed to the settlement described herein.
  • What benefits can I receive as a result of this Settlement?   (top)
    Under the Settlement, Chase has agreed to create a Settlement Fund of twenty million dollars ($20,000,000), plus additional consideration in the form of credit to the unpaid balances of certain Charged-Off Class Members as stated in Section IX.D of the Settlement Agreement, to fund the payment of claims as well as the costs of the litigation, the settlement, and an attorney fee award in an amount to be approved by the Court. Each class member who submits a claim form will receive a share of the settlement fund after reduction for administrative costs, attorney fees, and legal expenses as approved by the Court.

    You cannot receive a payment unless you submitted a timely, valid claim form. Please note that the claims filing deadline has passed.

    Claims will be paid either by a check mailed directly to you or by a credit to your account. The amount of the payment or credit will vary based upon several factors, including whether you ever tried to obtain payment protection benefits from Chase, whether your request for benefits was accepted or denied, the total number of class members submitting a claim in this Settlement, and the amount of fees and expenses incurred in connection with the Settlement. Based upon these factors, it is estimated that the benefits from this Settlement will be distributed as outlined below:

    If you made a claim for payment protection plan benefits and your claim was denied, it is estimated you will receive $60, before fees and expenses.

    If you were billed for or enrolled in a Chase Payment Protection Product without your knowledge or consent and/or, at any point during your enrollment in a Chase Payment Protection Product, you were self-employed, retired, seasonally employed, employed less than 30 hours per week (or less than 15 hours per week for students), or if you voluntarily forfeited your job (resigned), it is estimated you will receive $30, before fees and expenses.

    If none of the above categories apply to you, but you are not completely satisfied with the Chase Payment Protection Product(s) in which you were enrolled at any point between September 1, 2004 and November 11, 2010, it is estimated you will receive $15, before fees and expenses.

    These figures are only estimates. Actual payments could be more or less than these amounts.
  • Do I have to pay the lawyers representing me?   (top)
    The Court approved the law firms of Carney Williams Bates Bozeman & Pulliam PLLC and Golomb & Honik, PC to represent you and the other Settlement Class Members. No, you did not have to pay these lawyers to represent you. If you wanted to be represented by your own lawyer, you were able to hire one at your own expense.

    Class Counsel will apply to the Court for an award of attorneys' fees from the Settlement Fund in an amount not greater than 25% of the Settlement Fund and for reimbursement of their out-of-pocket expenses in an amount not to exceed $150,000.00. To date, Class Counsel have not received any payment for their services in conducting this Litigation on behalf of the Settlement Class Representatives and the Members of the Settlement Class; nor have Class Counsel been reimbursed for their costs and expenses directly relating to their representation of the Settlement Class. Class Counsel are also moving the Court to award a service payment of $2,500 to each of the three Settlement Class Representatives as a recognition of their service to the Settlement Class. The amount of any fee or service award will be determined by the Court.
  • What am I agreeing to by remaining in the Settlement Class in this case?   (top)
    Unless you excluded yourself, you are part of the Settlement Class, and you are bound by the release of claims in the Settlement. This means that if the Settlement is approved, you cannot sue, continue to sue, or be part of any lawsuit against Chase asserting a released claim, such as a suit about the marketing, sale, or administration of Payment Protection Products. It also means that the Court's Orders approving the settlement and the judgment in this case will apply to you and legally bind you.

    The released claims that you will not be able to assert against Chase or its related parties if you remain a part of the Settlement Class are as follows:

    Any and all Claims which you ever had, now have, or may have in the future, arising out of or in any way relating to (i) any act, omission, event, incident, matter, dispute, or injury regarding a Payment Protection Product, including, without limitation, the development, sale, pricing, marketing, claims handling, enrollment procedures, disenrollment procedures, or administration of a such a product, that took place on or before November 11, 2010, (ii) any acts or omissions that were raised or could have been raised within the scope of the facts asserted in the class action lawsuit or Kardonick v. JPMorgan Chase & Co. et al., No. 1:10-cv-23235-WHM (S.D. Fla.), David v. JPMorgan Chase & Co. et al., No. 4-10-cv-1415 (E.D. Ark.), or Clemins v. JPMorgan Chase & Co. et al., No. 2:10-cv-00949-PJG (E.D. Wis.), or (iii) any event, matter, dispute, or thing that in whole or in part, directly or indirectly, relates to or arises out of said events specified in (i) or (ii) of this paragraph.


    If you remained a part of the Settlement Class, you are not able to assert these claims against Chase Bank USA, N.A., JPMorgan Chase & Co., their predecessors, affiliates, subsidiaries, private label or co-brand partners, payment protection claims administrators, employees, officers, attorneys, and directors, and certain other related parties identified in the Settlement Agreement.  Please note that Requests for Exclusions had to be received by August 19, 2011.

    If you did nothing you also remained as a member of the Settlement Class. However, you had to file a claim form in order to receive a benefit in this Settlement.
  • Is this the entire Settlement?   (top)
    No. This is only a summary of the Settlement. If the Settlement is approved and you did not exclude yourself from the Settlement Class, you are bound by the release contained in the Settlement Agreement, and not just by the terms of this Notice. Capitalized terms in this Notice are defined in the Settlement Agreement. You can review the full Settlement (including the Settlement Agreement) online at www.KardonickSettlement.com, or you can write to the address below for more information.
  • Where can I get more information?   (top)
    For more information, you may visit www.KardonickSettlement.com, you may write to the Kardonick Settlement Administrator at P.O. Box 280, Philadelphia, PA 19105-0280, or you may call (800) 220-2204.

    NOTE: DO NOT CALL OR WRITE THE COURT, THE COURT CLERK'S OFFICE, CHASE, OR CHASE'S COUNSEL FOR MORE INFORMATION.


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Important Documents

Important Dates

  • August 8th, 2011
    Your claim must be received by the Kardonick Settlement Administrator by this date to receive a payment.
  • August 19th, 2011
    Your request to be excluded from the settlement (and receive no money from the settlement) must be received by the Kardonick Settlement Administrator by this date.
  • August 19th, 2011
    Your request to object to settlement must be received by the Court and counsel for the Plaintiffs and the Defendants by this date.
  • September 9th, 2011
    Objectors who send in timely objections may speak about the settlement in Court at a hearing on this date.

Contact Us

As Claims Administrator, we welcome your inquiries, comments, and/or requests.

Contact us easily:
  • fill out our contact form
  • call us toll-free at 1-800-220-2204