CCF Settlement Checks Are Legit

Overflowing mail 150x150 CCF Settlement Checks Are Legit“Foreign Currency Fee Litigation Settlement Fund
THIS IS A CHECK. Sign Reverse for Redemption
THE HUNTINGTON NATIONAL BANK”

“Oh, brother,” I said, when my husband handed me the small blue card he’d just taken from our mailbox. A random check for $18.04 from strangers. Sounds like a scam. But it says we were improperly charged foreign transaction fees on our card during the years 2000-2006. We did travel to England in 2003. So, it could be legitimate.

How to find out if it’s any good?
First, I ran the phone number through www.bbb.org. Nothing. So I checked the card to see what court it was coming from. Again, nothing. Printed on the check was the website www.ccfsettlement.com, so I Googled “CCF Settlement” plus “scam” and “fraud.” Some page results say it is a phishing scam. Others insist it’s real. I clicked on Snopes (www.snopes.com), a website I trust, and it says the settlement is legitimate. So does MSN Money.

Digging deeper:
I proceeded to the CCF website. It listed the judge’s name and the name of the court: Honorable William H. Pauley III, U.S. District Court Judge for the Southern District of New York. Next step: Contact the court independently. On www.nysd.uscourts.gov I verified Judge Pauley’s existence. I was about to email the court, or at least search the website for the lawsuit, but then I noticed that there were two phone numbers on the check. The one I had used was actually for a second lawsuit against American Express. We don’t have an AmEx card.

So I ran the first number (800-945-9890) on bbb.org. It came up with “US District Court Administrator in Philadelphia, PA.” and “Currency Conversion Fee, Antitrust Litigation” as well as the card’s website. Very good. Since this file was started by the BBB in 2007, we would have heard by now if it were a scam. Looks like I just earned $18.04. Favorite coffeeshop, here I come!

Having said that, however, do beware of “look-alike” scams who may try to piggyback on the legitimate settlement offers. Always verify the details and you’ll keep yourself safe.

Previously published in the Spokane-Spokesman Review.

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About Holly Doering

Holly Doering has worked for the Better Business Bureau Serving Eastern Washington, North Idaho, and Montana for half a decade. Her areas of expertise include the CORE Values Program (Character, Optimism, Respect, Ethics) for Teens and Charity Review as well as writing and editing. Prior to that, she has written for two newspapers, a local magazine, and taught English at the community college. She is the proud author of a short story in ZYZZYVA literary magazine and has had good luck publishing lots of poetry. Each year she rolls up her sleeves and wades into the autumn Nanowrimo writing madness and has several unfinished novels to her credit.