Frenzetta Wilson et al., v. Santander Consumer USA Inc.
Wilson v. Santander Consumer USA
Case No. 4:20-cv-00152-KGB

Frequently Asked Questions


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  • A class action lawsuit entitled, Wilson, et al. v. Santander Consumer USA Inc., is pending in the United States District Court for the Eastern District of Arkansas, No. 4:20-cv-00152-KGB (the “Class Action”). The Complaint in the Class Action claims that Defendant SC violated the Texas Debt Collection Act by improperly charging customers a convenience fee each time they paid their car loan payments by telephone, IVR, or the internet. For more detailed information as to Plaintiffs’ allegations, you may review a copy of Plaintiffs’ Complaint under Important Documents.

    SC denies the claims and contends its practices were proper under the law. 

    The Parties have now settled this lawsuit and JND Legal Administration, a Settlement Administrator, has issued this notice, which was approved by the Court.  In connection with the Settlement, SC has agreed to make certain cash payments to Settlement Class Members.  

    You are receiving a notice because the proposed Settlement may apply to you and you have a right to know about it and all your options before the Court decides whether to grant final approval of the Settlement

  • In a class action, one or more people called “Class Representatives” file a lawsuit on behalf of other people who have similar claims, the “Class”. This avoids the necessity for a large number of people to file similar individual lawsuits and enables the court system to resolve similar claims in an efficient and economical way. Here, the Class includes all persons in the U.S. who have a car loan with SC with a Texas choice of law provision who paid a convenience fee in connection with a loan payment made online, over the phone, or by IVR during the period of January 13, 2016 to the date of the approval of the Settlement.

  • The Settlement has been entered to resolve all claims in the Class Action and to avoid the uncertainties and costs of further litigation and a trial. The Court has not decided in either Plaintiffs or SC’s favor and will not do so if the proposed Settlement is approved. Rather, the Settlement will resolve the claims against SC on the terms described in the Notice.

    The proposed Settlement does not suggest that SC has or has not done anything wrong, or that Plaintiffs and the proposed Class would or would not win their case if it were to go to trial.

  • You are a Settlement Class Member if any time since January 13, 2016:

    • You had a car loan with a Texas choice of law provision with SC; and
    • Paid a fee to SC for making a car loan payment by telephone, IVR, or the internet.

    If you are not sure whether you qualify as a Settlement Class Member, you can contact JND Legal Administration, the Settlement Administrator.

  • The Settlement provides that, in exchange for a dismissal with prejudice of the Class Action and release of claims against SC, SC will create a fund of $800,000 (the “Settlement Fund”). Each Settlement Class Member who does not opt out of the Settlement will receive a cash payment from the Settlement Fund (less fees and costs discussed herein) and credit repair, if the Settlement is granted final approval. If the Settlement is not approved by the Court, then Settlement Class Members will not get any benefits of the Settlement and the parties will go back to Court for further proceedings, possibly including a trial.

    Cash Benefits For Settlement Class Members Who Paid Convenience Fees to SC:  If you paid any convenience fees for making a car loan payment by telephone, IVR, or the internet since January 13, 2016 on a car loan with SC with a Texas choice of law provision, then you will get a cash payment from the Settlement Fund. Payments will be made from the Settlement Fund relative to the total dollar amount of convenience fees you paid to SC, after deducting any court approved settlement administrative costs, attorney’s fees, and service payment to the Class Representatives. 


    Cy Pres:  If, after all cash benefits are distributed, residual funds remain in the Settlement Fund (e.g., because of uncashed checks), then such amounts shall be distributed to the following cy pres recipients: Arkansas Jump$tart Coalition, a non-profit organization that seeks to improve the personal financial literacy of Arkansas’s youth.

  • The Court approved the settlement following the Final Approval Hearing on October 13, 2022. It is estimated that checks for the cash payment benefit will be mailed around March 29, 2023. However, because it is always possible for there to be unexpected delays or appeals, it is possible that these benefits will be delayed, so please be patient.

    For updates on the status of the Settlement, please check the Settlement Website. If your contact information changes, please submit your new contact information to the Settlement Administrator.

  • Unless you opted out, you are in the Settlement Class, which means that you will be deemed to have fully released, forever discharged, and are permanently barred and enjoined from maintaining, instituting, commencing, or prosecuting any claims against SC related to the payment of convenience fees for making car loan payments by telephone, IVR, or the internet during the period January 13, 2016 through the date of the approval of the Settlement.

    The Settlement Agreement can be found under the Important Documents tab and provides more detail regarding the Release.

  • The Court has appointed the law firm of Carney, Bates, & Pulliam, PLLC to represent you and all Settlement Class Members, referred to as Class Counsel. If you have any questions for Class Counsel, you may direct those to Randy Pulliam ( or Lee Lowther (, Carney Bates & Pulliam, PLLC, 519 W. 7th St., Little Rock, AR 72201.

  • Class Counsel will ask the Court for attorneys’ fees of up to 30% of the Settlement Fund plus reimbursement of reasonable litigation expenses, and service awards of $5,000 to each of the two named Plaintiffs for serving as the Class Representatives. The motion for fees, expenses, and service awards will be available on the Settlement Website after it is filed with the Court.

  • To exclude yourself from the Settlement, you must have sent a letter by mail to the Settlement Administrator postmarked no later than August 29, 2022.

    If you sent a timely and valid request to be excluded, you will not receive any settlement benefits, you cannot object to the Settlement, and you will not be legally bound by anything that happens in this lawsuit. However, if your request for exclusion is late or deficient, you will be included in the Settlement Class and you will be bound by the Settlement and by all other orders and judgments in this lawsuit.

  • If you did not exclude yourself, you could have objected to the Settlement if you didn't like any part of it, filed or postmarked by August 29, 2022.

  • The Court approved the settlement following the Final Approval Hearing on October 13, 2022.

  • No. Class Counsel represented you and answered any questions from Judge Baker.

  • The Court approved the settlement following the Final Approval Hearing on October 13, 2022.

  • The notice is intended to be a summary of the terms of the Settlement.  For the precise terms of the Settlement, please see the Settlement Agreement; by accessing the Court docket in this case through the Court’s Public Access to Court Electronic Records (PACER) system; by visiting the Office of the Clerk for the United States District Court for the Eastern District of Arkansas, Richard Sheppard Arnold United States Courthouse, 500 West Capitol Avenue, Little Rock, AR 72201 between 9:00 a.m. and 4:00 p.m., Monday through Friday, excluding court-observed holidays; or by contacting Class Counsel at the address provided above.


    By order of the United States District Court for the Eastern District of Arkansas.

For More Information

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Frenzetta Wilson et al. v. Santander Consumer USA Inc.
c/o JND Legal Administration
PO Box 91451
Seattle, WA 98111