Norris v. Affirm Inc.

Financial Products & Junk Fees · Filed 2026-03-11 · U.S. District Court for the Eastern District of New York · Docket 3:25-cv-53027

What the company is alleged to have done

The complaint alleges Affirm Inc. routinely charged overdraft fees on transactions that were authorized when the customer's available balance was sufficient — a practice known as authorize-positive-settle-negative — and charged multiple NSF fees on the same item when it was re-presented for payment.

The Consumer Financial Protection Bureau separately published guidance describing these practices as potentially abusive. The proposed settlement covers all account-holders during the class period and uses Affirm Inc.'s own internal records to calculate each class member's payout, with no claim form required for current account-holders.

Who qualifies as a class member

You are likely an eligible class member if all of the following apply:

• You held a Affirm Inc. consumer checking, savings, or prepaid account at any time during the class period.
• Your account was charged at least one overdraft or NSF fee during that window.
• You are a U.S. resident; the settlement covers domestic accounts only.
• Closed-account holders qualify if the account met the criteria above before closure.

If you fit all of the criteria above, you almost certainly have a valid claim. If you only fit some of them — for example, you used the product in a different timeframe, or you don’t have proof of purchase — you may still qualify under the settlement’s “self-attestation” rules. The form on this page can route you to a participating attorney who will confirm your eligibility for free.

How much can I receive?

Current account-holders receive their payout as an automatic credit. Closed-account holders receive a check at the address on file when the account closed (you can update this with the administrator at any time before the deadline).

Total settlement value: $2.4M. Estimated number of class members: 42 million. Most class members will receive their payout by check or electronic transfer within four to nine months after the court grants final approval.

How to file your claim (step-by-step)

1. Current account-holders typically do not need to file anything — payouts are automatic.
2. Closed-account holders should submit the simple address-update form on the administrator's site.
3. Verify your contact information using the look-up tool.
4. Watch for a confirmation letter or email from the administrator.
5. Allow ninety days after final approval for the payment to arrive.

Why this matters

Junk-fee class actions are how consumers recover the small, repeated charges that amount to billions of dollars in unjustified bank revenue every year.

If you think you might be part of the affected class, it costs you nothing to find out. Use the form on this page to request a free consultation, or file directly through the settlement administrator using the steps above. For a deeper walkthrough of the federal class-action timeline, read our guide on what happens after you submit a claim form.

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