Consumers who signed up for a free trial or were enrolled in a recurring billing program for certain products since 2009 may be eligible to receive a cash payment from a class action settlement.
Overview
Wells Fargo & Co. and Wells Fargo Bank, N.A. agreed to pay $33 million to resolve a class action lawsuit alleging they assisted three groups of companies—known as the Apex, Triangle, and Tarr entities—in misleading consumers into recurring monthly subscriptions. The lawsuit claimed Wells Fargo helped these companies by opening bank accounts and transferring funds that enabled deceptive billing practices.
The plaintiffs alleged that the companies marketed “risk-free” trial offers for more than 70 products, including personal care items, electronic cigarettes, and dietary, health, and beauty supplements. Shortly after consumers signed up for a trial, they were charged the full product price and enrolled in monthly subscription plans without consent.
Eligible products include Miracle Garcinia Cambogia, Ripped Muscle X, Elite Test 360, Bella Labs Instant Wrinkle Reducer, Miracle Green Coffee, and others.
Who Is Eligible
You may be a class member if any Apex, Triangle, or Tarr entity enrolled you in a recurring billing program for products sold between 2009 and the present.
A complete list of companies and products is available in the official settlement notice under FAQ No. 3.
Individuals who previously received payments from Federal Trade Commission refund programs for Apex or Triangle entities do not need to submit a claim for those entities and will automatically be eligible for an additional payment.
Individuals who did not receive FTC refunds, or who were enrolled by a Tarr entity, must submit a claim form to receive payment.
Settlement Allocation
After attorneys’ fees, costs, and awards, the net settlement fund will be allocated as follows:
- 45.17 percent for charges imposed by Triangle entities
- 32.26 percent for charges imposed by Apex entities
- 22.57 percent for charges imposed by Tarr entities
Payment Options
Class members may choose one of the following:
With documentation: A pro rata cash payment for out-of-pocket losses caused by recurring billing, minus any refunds already received. Final amounts depend on the number of valid claims.
Without documentation: A flat cash payment of up to $20. These payments are subject to caps based on the allocation for each entity:
- Tarr-related flat payments are limited to 50 percent of the Tarr allocation.
- Apex-related flat payments are limited to 25 percent of the Apex allocation.
- Triangle-related flat payments are limited to 25 percent of the Triangle allocation.
All payments have a $10 minimum. If a calculated payment is less than $10, no payment will be issued and those funds will be redistributed to other eligible claimants.
How to File a Claim
Eligible class members must submit a claim form by March 4, 2026. Claims may be filed online or by mailing a completed PDF claim form.
Mailing address:
Free Trial Recurring Billing Settlement
Settlement Administrator
P.O. Box 6397
Portland, OR 97228-6397
Class members who already received FTC payments for Apex or Triangle entities do not need to file a claim for those entities.
Proof and Documentation Requirements
Online claims require the unique ID and PIN included in the settlement notice.
Claims for out-of-pocket losses require documentation showing unreimbursed recurring billing charges, such as bank or credit card statements or email receipts.
Flat payment claims without documentation require a description of the products purchased, purchase dates, how the products were obtained, and confirmation of enrollment in a recurring billing program through Apex, Triangle, or Tarr entities.
Payment Methods
Payments may be issued by PayPal, Venmo, Zelle, or paper check mailed to the address provided.
Settlement Fund Breakdown
The $33,000,000 settlement fund includes:
- Settlement administration costs (to be determined)
- Attorneys’ fees of up to $11,000,000
- Litigation expenses of up to $2,967,000
- Service awards to class representatives of up to $15,000 each
- Remaining funds distributed to eligible class members
Important Dates
- Claim deadline: March 4, 2026
- Opt-out deadline: March 5, 2026
- Final approval hearing: March 26, 2026
Payments are expected to be issued approximately 60 days after the court grants final approval.
Why This Settlement Exists
The settlement resolves allegations that Wells Fargo assisted companies in deceptive recurring billing practices tied to “free trial” offers. Wells Fargo denied the allegations but agreed to settle to avoid the cost and uncertainty of continued litigation.
Key Details at a Glance
Settlement amount: $33 million
Potential award: Up to $20 or a pro rata share of documented losses
Claim deadline: March 4, 2026
