Consumer Financial Protection Bureau v. Hello Digit, LLC

The Consumer Financial Protection Bureau (CFPB) is a federal government agency that enforces laws that protect consumers. The CFPB took enforcement action against Hello Digit, LLC. The CFPB alleged Hello Digit violated the Consumer Financial Protection Act by falsely guaranteeing no overdrafts, denying reimbursements for overdrafts caused by subscription fees, and keeping interest earned on funds for users of its automated savings tool.

We emailed eligible harmed victims in this matter on October 15, 2026.

Consumers who received an email regarding a payment must select their payment method on this website by November 14, 2026.

Please note that information you submit is treated in accordance with the Privacy Act.

You can visit the CFPB website at www.cfpb.gov/payments/HelloDigit.

To learn more about CFPB and other CFPB matters, please visit www.consumerfinance.gov. If you enter “Hello Digit” into the search box, you can read CFPB announcements about this case.

The Consent order is available on the Important Documents page of this website.

Epiq can verify your payment is real and a part of the CFPB’s distribution. Call us at 888-860-1014 during business hours, 8 a.m. to 9 p.m. ET, Monday to Friday, except Federal Holidays.

You can verify that Epiq is contracted with CFPB by calling CFPB directly at 855-411-2372 or visiting their website: www.cfpb.gov/payments/HelloDigit. To learn more about CFPB and other CFPB matters, please visit www.consumerfinance.gov. If you enter “Hello Digit” into the search box, you can read CFPB announcements about this case.

Always be mindful that bad actors can attempt to scam consumers into providing sensitive information or money in exchange for funds from this or other distributions. This scam may look like the following:

• A company or individual claiming they can “help” you receive a check, money, a gift card, or funds in some other form, provided you send them a preloaded gift card or money in advance. This is likely a scam.

• A company or individual asking you for any banking details or credit card numbers to issue you a check in this matter. This is likely a scam.

• A company or individual claiming they can help expediate the mailing of your check from this distribution. This is likely a scam.

• A company or individual asking you for your Social Security number or your date of birth. You do NOT need to provide your Social Security number or your date of birth, and the CFPB is NOT collecting Social Security numbers or any dates of birth in this matter. If someone asks you for your Social Security number or your date of birth related to an issuance of a check in this matter, it is likely a scam.

Neither the CFPB nor Epiq will ever require you to pay any fees before or after accepting a digital payment or cashing a check issued by CFPB. If someone asks you to pay them money related to a payment you are meant to receive in this case, it could be a scam. More information on spotting scams is available on the CFPB’s website, www.consumerfinance.gov/about-us/blog/beware-of-new-cfpb-imposter-scams.

Eligible consumers have been identified in Hello Digit’s records, which were obtained by the CFPB as part of their enforcement action. Eligible consumers utilized Hello Digit’s automatic savings tool and were denied overdraft reimbursement requests between January 1, 2017, and August 10, 2022.

Payments are calculated based on the amount that you paid as listed in Hello Digit’s records.

We emailed eligible consumers for whom we have email addresses to inform them they can claim a payment. If you received the email, follow the instructions provided to you in the email. Go to the website www.cfpb-hellodigit.org/, and then you will be directed to the payment selection page on our website. After you enter the Unique ID and PIN listed in the email, you will then be sent to our secure payment portal to be able to make a payment selection. You can select between having your payment sent to you via PayPal, direct deposit (ACH), or by paper check. Please submit your payment selection to www.CFPB-HelloDigit.org no later than November 14, 2026.

You will be unable to log onto the payment selection website once you finalize your selection. Please note that information you submit is treated in accordance with the Privacy Act.

On the website, you will have the choice between having your payment sent to you via PayPal, direct deposit (ACH), or by paper check.

If you select PayPal, you will be asked for the email address or phone number associated with your PayPal account. If you do not have a PayPal account, or if one is not found for you, you will be sent an email from PayPal informing you of the payment. You can then create a PayPal account or link to your current account.

If you select direct deposit (ACH), you will then be asked to provide your bank information.

If you select paper check, you will then be asked to provide your name and current mailing address. If you need us to update your name and/or address before we send your payment, please see FAQs 12 and/or 13.

Please note: Once you submit your information, you will be unable to log in and make another payment selection.

The payment you received is your final award and may not cover the entire amount of harm you incurred. The payment amount was calculated based on the materials available to the CFPB.

This case does not include a process for consumers to contest the amount of their refund. You will not receive another payment in this case.

Receiving a refund from the CFPB does not prevent you from pursuing other legal claims, if any, against Hello Digit. We cannot give you individual legal advice; you can speak with an attorney who can provide legal advice specific to your situation.

This payment is considered a refund of at least some of the payments you made to the Defendant and is unlikely to be taxable. We are not able to provide specific tax advice. Please reach out to your own tax advisor for any tax related questions.

You may submit your reissue request via email, along with your name and current address. If your address has changed, please provide your new address along with your previous address for verification purposes. Please be patient, as reissues are sent in scheduled runs. Please send your request to our email address at info@cfpb-HelloDigit.org.

If you are not able to email your request, then you can send your request a signed letter via postal mail with your request. Please note that mailed-in requests will take longer to process to allow for mailing and processing time. Please only send copies of documentation as originals are not able to be returned. To mail your request, the mailing address is:

For security reasons, we cannot reissue a check until either you return the original check to us, the US Postal Service returns it to us as undeliverable, or the original check’s stale date has passed or expired.

Because one of these events must occur before we can act on your request, we can reissue your check before it expires only if you return it by mail. If you email your request, it is not possible for us to reissue your check until after the expiration date.

Our reissued check will have a new expiration or stale date, allowing additional time to cash or deposit the new check. We reissue checks in batches on a rolling basis throughout the year. Unfortunately, we cannot provide a specific date your reissued check will be mailed. We appreciate your patience and ask that you cash your check as soon as possible after receiving your reissued check.

Please note that information you submit is treated in accordance with the Privacy Act.

Address updates must be submitted in writing and cannot be taken over the phone. To request that we update your address, please send an email to info@cfpb-HelloDigit.org with your request, please include your name, your former and new addresses, and a reference to the Hello Digit matter.

If you are not able to email your request, then you can send your request a signed letter via postal mail with your request. Please note that mailed-in requests will take longer to process to allow for mailing and processing time. Please only send copies of documentation as originals are not able to be returned. To mail your request, the mailing address is:

Please note that information you submit is treated in accordance with the Privacy Act.

Name updates must be submitted in writing and cannot be taken over the phone. To request that we update your name and reissue your payment, please send an email to info@cfpb-HelloDigit.org. With your request, please include your name, your address, and a reference to the Hello Digit matter. Please also send a copy of a government ID that displays your current name and appropriate legal documentation indicating the name change, such as a marriage certificate, divorce decree, or court order.

If you are not able to email your request, then you can send your request a signed letter via postal mail with your request. Please note that mailed-in requests will take longer to process to allow for mailing and processing time. Please only send copies of documentation as originals are not able to be returned. To mail your request, the mailing address is:

Portland, OR 97208-2755

Please note that information you submit is treated in accordance with the Privacy Act.

Name updates must be submitted in writing and cannot be taken over the phone. To request that we update the name and reissue the check, please send an email to info@cfpb-HelloDigit.org. With your request, please include your name and reference the Hello Digit matter.

Please include a copy of the death certificate and documentation showing that you are the executor, surviving spouse, or sole beneficiary of the Estate. If you are identified as the surviving spouse on the death certificate, no additional documentation is required.

Acceptable documentation for estates includes the pertinent portion of the will or a Court Order/Letters Testamentary naming you as Personal Representative, Administrator, Executor, Executrix, or the sole beneficiary. Local laws may provide guidance for situations in which there is no probate action filed in court, no will exists, or a small estate is involved. We cannot say whether a specific document is sufficient proof until you send us the document for review.

If you are not able to email your request, then you can send your request a signed letter via postal mail with your request. Please note that mailed-in requests will take longer to process to allow for mailing and processing time. Please only send copies of documentation as originals are not able to be returned. To mail your request, the mailing address is:

For security reasons, we cannot reissue a check until either you return the original check to us, the US Postal Service returns it to us as undeliverable, or the original check’s stale date has passed or expired.

Because one of these events must occur before we can act on your request, we can reissue your check before it expires only if you return it by mail. If you email your request, it is not possible for us to reissue your check until after the expiration date.

Our reissued check will have a new expiration or stale date, allowing additional time to cash or deposit the new check. We reissue checks in batches on a rolling basis throughout the year. Unfortunately, we cannot provide a specific date your reissued check will be mailed. We appreciate your patience and ask that you cash your check as soon as possible after receiving your reissued check.

Please note that information you submit is treated in accordance with the Privacy Act.

We reissue checks in batches on a rolling basis throughout the year. Unfortunately, we cannot provide a specific date your reissued check will be mailed. We appreciate your patience and ask that you cash your check as soon as possible after receiving your reissued check.

You can email us at info@cfpb-HelloDigit.org. You can also call us at 1-888-860-1014 during business hours, 8 a.m. to 9 p.m. ET, Monday to Friday, except Federal Holidays.

You can contact us in writing at:

Please note that information you submit is treated in accordance with the Privacy Act.

The CFPB stands for the Consumer Financial Protection Bureau. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 established the CFPB.

Congress established the CFPB to protect consumers by carrying out federal consumer financial laws. Among other things, the CFPB

• Writes rules, supervises companies, and enforces federal consumer financial protection laws

• Restricts unfair, deceptive, or abusive acts or practices

• Takes consumer complaints

• Promotes financial education

• Researches consumer behavior

• Monitors financial markets for new risks to consumers

• Enforces laws that outlaw discrimination and other unfair treatment in consumer finance

To learn more, visit http://www.consumerfinance.gov.

We are Epiq Class Action & Claims Solutions. CFPB contracted us as the Third-Party Administrator to assist in processing payments and answering consumers’ questions about this case.

For more information about Epiq, please visit www.EpiqGlobal.com. CFPB pays all Epiq’s costs for this program. Consumers are never charged either directly or indirectly for Epiq’s services as Third-Party Administrator.

You can also confirm our role in this lawsuit by visiting the CFPB website at www.cfpb.gov/payments/HelloDigit.

The information requested is being collected to determine your eligibility for a refund from the Consumer Financial Protection Bureau (CFPB) to compensate you for harm suffered from a violation of Federal consumer financial laws.

Identifying information collected may be used by and disclosed to employees, contractors, agents, and others authorized by the CFPB to receive this information to assist in related activities. It may also be disclosed:

• to a court, magistrate, or administrative tribunal in the course of a proceeding;

• for enforcement, statutory, and regulatory purposes;

• to another federal or state agency or regulatory authority;

• to a member of Congress; to the Department of Justice, a court, an adjudicative body or administrative tribunal, or a party in litigation; and

• pursuant to the CFPB’s published Privacy Act system of records notice, CFPB.025 – Civil Penalty Fund and Bureau-Administered Redress Program Records.

The collection of this information is authorized by Pub. L. 111-203, Title X, Sections 1017(d) (Civil Penalty Fund) and/or 1055(a) (Redress), codified at 12 U.S.C. §§ 5497(d), 5565(a).

You are not required to submit or provide any identifying information; however, we may not be able to process your request unless you allow us to collect this information from you.