Cross v. Wells Fargo TCPA Settlement

Frequently Asked Questions

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1. Why is there a notice?

A Court authorized this Notice because you have a right to know about a proposed Settlement of this class action lawsuit, and about all of your options, before the Court decides whether to approve the Settlement. If the Court approves the Settlement and after any objections or appeals are resolved, an administrator appointed by the Court will make the payments that the Settlement allows. Because your rights will be affected by this Settlement, it is important that you read this Notice carefully.

If you received a Notice in the mail, it is because, according to Wells Fargo's records, you may have received one or more Automatic Calls from Wells Fargo in connection with an overdraft of a Wells Fargo deposit account between April 21, 2011 and December 19, 2015.

The Court in charge of the case is the United District Court for the Northern District of Georgia, and the case is known as Cross v. Wells Fargo Bank, N.A., Case No. 1:15-cv-01270 (N.D. Ga.). The proposed Settlement would resolve all claims in this case. The person who sued is called the Plaintiff, and the company sued, Wells Fargo Bank, N.A., is called the Defendant and is referred to in this Notice as "Wells Fargo."

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2. What are these class action lawsuits about?

A class action is a lawsuit in which the claims and rights of many people are decided in a single court proceeding. Representative plaintiffs, also known as “class representatives,” assert claims on behalf of the entire class.

The Representative Plaintiff filed this case alleging that Wells Fargo violated the TCPA by using an automatic telephone dialing system and/or an artificial or prerecorded voice to call or text cell phones without the prior express consent of the recipients.

Wells Fargo denies that it did anything wrong, or that this case is appropriate for treatment as a class action.

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3. Why is there a Settlement?

The Court did not decide in favor of the Plaintiff or Defendant. Both sides agreed to a settlement instead of going to trial. That way, they avoid the cost of a trial, and the people affected will get compensation. The Representative Plaintiff and her attorneys think the Settlement is best for all Class Members.

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4. How do I know if I am part of the Settlement?

The Settlement provides relief for all Class Members, who are described as all users or subscribers to a wireless or cellular service within the United States who used or subscribed to a phone number to which Wells Fargo made or initiated one or more Calls during the Class Period, in connection with overdrafts of deposit accounts, using any automated dialing technology or artificial or prerecorded voice technology, according to Wells Fargo’s available records.

Excluded from the Class are Defendant; its parent companies, affiliates or subsidiaries, or any employees thereof, and any entities in which any of such companies has a controlling interest; the judge or magistrate judge to whom the Action is assigned; and, any member of the judges’ staffs and immediate families.

If you have questions about whether you are a Class Member, or are still not sure whether you are included, you can call 1-866-565-7718 for more information.

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5. What does the Settlement provide?

Wells Fargo has agreed to pay a total settlement amount of $30,445,642.75 which will be used to create a Settlement Fund to pay Settlement Awards to Class Members who submitted a valid and timely claim, pay Plaintiff’s attorneys’ fees and costs, pay a service award to the Representative Plaintiff, and pay costs and expenses of settlement administration.

Any remaining monies from uncashed Settlement Awards may be redistributed in a second distribution to Class Members who submitted a valid and timely claim. However, if a second distribution would result in less than $1 per qualifying claimant, the remaining monies will instead be donated to the Samuelson Law Clinic.

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6. How and when can I get a payment?

Settlement awards were mailed on May 5, 2017 to all Class Members who filed a valid and timely claim. The deadline to file a claim form was January 16, 2017.

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7. What am I giving up to get a payment or stay in the Class?

If you are a Class Member, unless you excluded yourself, you can’t sue, continue to sue, or be part of any other lawsuit against Wells Fargo about the legal issues in this case and all of the decisions and judgments by the Court will bind you.

For calls or text messages made using an automatic telephone dialing system and/or an artificial or prerecorded voice without the prior express consent of the called party, the TCPA provides for damages of $500 per violation, or up to $1,500 for willful violations, plus an injunction limiting future conduct. However, Wells Fargo has denied that it made any illegal calls or sent any illegal texts to anyone, and in any future lawsuit it will have a full range of potential defenses, including that it had prior express consent to make the calls. In addition, please note that the TCPA does not provide for attorneys’ fees to prevailing individual plaintiffs. This settlement permits class members the opportunity to obtain a smaller amount of money, risk-free.

If you filed a Claim Form for benefits or did nothing at all, you are unable to file your own lawsuit regarding the claims described in this Notice, and you have released Wells Fargo from any liability for the Released Claims defined below and in the Settlement.

Remaining in the Class means that you, as well as your respective assigns, executors, administrators, successors and agents, will release, resolve, relinquish and discharge each and all of the Released Parties from each of the Released Claims (as defined below). You further agree that you and they will not institute any action or cause of action (in law, in equity or administratively), suits, debts, liens, or claims, known or unknown, fixed or contingent, which you may have or claim to have, in state or federal court, in arbitration, or with any state, federal or local government agency or with any administrative or advisory body, arising from the Released Claims.

“Released Claims” mean any and all claims, causes of action, suits, obligations, debts, demands, agreements, promises, liabilities, damages, losses, controversies, costs, expenses and attorneys’ fees of any nature whatsoever, whether based on any federal law, state law, common law, territorial law, foreign law, contract, rule, regulation, any regulatory promulgation (including, but not limited to, any opinion or declaratory ruling), common law or equity, whether known or unknown, suspected or unsuspected, asserted or unasserted, foreseen or unforeseen, actual or contingent, liquidated or unliquidated, punitive or compensatory, as of the date of the Final Approval Order, that arise out of the Released Parties’ use of an “automatic telephone dialing system” or “artificial or prerecorded voice” to contact or attempt to contact Settlement Class Members in connection with overdrafts of Wells Fargo deposit accounts during the Class Period. Released Claims include the claims of Wells Fargo deposit account holders and non-account holders who are members of the Settlement Class. Notwithstanding the above, the Parties agree that any claims related to Calls made in an attempt to collect any debts other than those allegedly owed for a Wells Fargo deposit account are not released.

The Settlement Agreement provides more detail regarding the release and describes the Released Claims with specific descriptions in necessary, accurate legal terminology, so read it carefully. You can talk to the law firms representing the Class listed in Question 9 for free, or you can, at your own expense, talk to your own lawyer if you have any questions about the Released Parties or the Released Claims or what they mean.

The release does not apply to Class Members who timely opt-out of the Settlement.

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8. How do I exclude myself from the Settlement?

The time to exclude yourself has passed.

If you asked to be excluded before the deadline of December 16, 2016, you will not get any Settlement Award and you cannot object to the Settlement. You will not be legally bound by anything that happens in this lawsuit. You may be able to sue (or continue to sue) Wells Fargo in the future. Although no other person may exclude you from the Settlement Class, nothing prohibits you from obtaining the assistance of another, such as a lawyer or family member, in preparing or submitting any individual exclusion.

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9. Do I have a lawyer in this case?

The Court appointed the following law firms to represent you and other Class Members:

Lieff Cabraser Heimann & Bernstein, LLP; Burke Law Offices, LLC; and Greenwald Davidson Radbil PLLC have been designated as co-lead counsel. Meyer Wilson Co., LPA; Skaar & Feagle, LLP; Keogh Law Ltd.; Kazerouni Law Group, APC; Law Offices of Douglas J. Campion, APC; and Hyde & Swigart have been designated as additional class counsel.

All of these lawyers are called Class Counsel. You will not be charged separately for these lawyers' services. If you want to be represented by your own lawyer, you may hire one at your own expense.

Additionally, you may enter an appearance through your own attorney if you so desire, but you do not need to do so.

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10. How will the lawyers and class representatives be paid?

The Court approved payment of 28% of the Settlement Fund in its Final Approval Order to compensate Class Counsel for expenses and attorneys’ fees for investigating the facts, litigating the case, and negotiating the Settlement. The Court also approved an award of $10,000 to the Class Representative, in compensation for her time and effort.

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11. How do I tell the Court that I do not think the Settlement is fair?

The deadline to Object to the Settlement has passed. Your objection to the Settlement must have been postmarked by December 16, 2016.

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12. When and where will the Court decide whether to approve the Settlement?

The Court held a hearing to decide whether to approve the Settlement on February 7, 2017 at the United States District Court for the Northern District of Georgia, 75 Ted Turner Drive, SW, Atlanta, GA 30303, in Courtroom 2105. The Final Approval Order was granted on February 10, 2017.

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13. May I speak at the hearing?

You may ask the Court for permission to speak at the Fairness Hearing. To do so, you must send a letter saying that you intend to appear at the Fairness Hearing in Cross v. Wells Fargo Bank, N.A., Case No. 1:15-cv-01270-RWS (N.D. Ga.). Be sure to include your full name, address, telephone number, and the case number (1:15-cv-01270-RWS). Your letter stating your notice of intention to appear must be postmarked no later than December 16, 2016 and be sent to the Clerk of the Court, United States District Court for the Northern District of Georgia, 75 Ted Turner Drive, SW, Atlanta, GA 30303. You cannot speak at the hearing if you exclude yourself.

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14. What happens if I do nothing at all?

If you did nothing, and are a Class Member, you will not receive payment. In order to receive a payment, you must have submitted a claim form by January 16, 2017. Unless you excluded yourself, you won't be able to start a lawsuit, continue with a lawsuit, or be part of any other lawsuit against Wells Fargo about the legal issues in this case ever again.

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15. How do I get more information?

This Notice summarizes the Settlement. More details are in the Settlement Agreement. You can get a copy of the Settlement Agreement by calling the Claims Administrator toll-free at 1-866-565-7718, writing to: Cross Wells Fargo TCPA Settlement, c/o GCG, P.O. Box 10302, Dublin, OH 43017-5902, or review this website, where you will also find answers to common questions about the Settlement, a claim form, plus other information to help you determine whether you are a Class Member and whether you are eligible for a payment.

On this website there is a complete notice of the settlement in Spanish. Hay una notificación completa del acuerdo en Español en el sitio web.

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