Arbitrations for Junk Fees, Drip Pricing and Hidden Charges

Attorneys working with ClassAction.org are pursuing various mass arbitrations on behalf of consumers who were charged illegal fees, including so-called “junk fees," or subjected to unlawful “drip pricing” practices that wait to disclose fees until later in the online checkout process. This is a relatively new type of legal action that, unlike class action lawsuits, requires affected consumers to sign up to take action. 

Below, you’ll find a summary of each investigation, including which companies, websites and apps are involved; who could be affected; and which laws may be getting violated. Each summary will also include a link to a secure form where affected consumers can sign up to join others taking action. It doesn’t cost anything to sign up.

Illegal, Hidden Fees? Current Investigations

Insomnia Cookies Investigation: Surprise Delivery Fees?

A delivery order from Insomnia Cookies may satisfy late-night cravings, but attorneys suspect the bakery chain could be illegally misrepresenting its prices by hiding mandatory delivery fees until checkout.

According to attorneys working with ClassAction.org, Insomnia may be adding a delivery charge on top of an order’s advertised base price only after the customer has reached the final checkout page. The attorneys believe the company may be unfairly deceiving consumers by failing to properly disclose the true cost of delivery orders until the very end of the transaction.

It’s possible this suspected practice could violate federal and state consumer protection laws that prohibit false and deceptive advertising. The attorneys are now gathering affected Insomnia customers to take action via mass arbitration.

So, if you are 18 or older, placed a delivery order on the Insomnia website or app in the last three years and were charged an added delivery fee, join others taking action by filling out the form linked below.

Insomnia Customers Sign Up Here

This investigation is sponsored by Bryson Harris Suciu & DeMay PLLC .

Hidden Fees on Chipotle Delivery Orders?

Chipotle proudly advertises its belief in “being real” about the quality and source of its ingredients, but attorneys working with ClassAction.org believe the company may not be quite as honest about its fees on delivery orders.

Specifically, the attorneys suspect that Chipotle may deceive customers into thinking the price of food on the menu is roughly the price they will pay for their delivery order, only to then tack on service and delivery fees near the end of the checkout process. They also believe that Chipotle’s online order system may pre-select a tip amount for customers without their express instruction or consent.

This may violate several consumer protection laws. If you are 18 or older and, within the last three years, placed a delivery order through Chipotle’s app or website that included a delivery or service fee, join others taking action against the company by filling out the form linked below.

Chipotle Customers Sign Up Here

This investigation is sponsored by Bryson Harris Suciu & DeMay PLLC .

Is Grubhub Illegally Charging Surprise Fees?

Grubhub claims to provide “what you want, when you want it,” but attorneys believe the service may be hiding the true cost of food delivery orders from customers and failing to properly disclose associated fees.

Attorneys working with ClassAction.org suspect Grubhub could be misleading users by hiding additional charges for delivery orders until the end of checkout. Although the platform openly displays a delivery fee on restaurant listings, an added service charge and, if applicable, a small order fee are tacked on only after a consumer has reached the final stages of checkout. Tips are also pre-selected on the last page, further inflating the cost of the transaction beyond the expected amount, according to the attorneys.

Moreover, they believe the service could be deceiving Grubhub+ subscribers, who are still charged mandatory fees for delivery orders even though the monthly membership is advertised as having “$0 delivery fees” and “lower service fees.”

It’s also possible Grubhub has failed to disclose to users that menu items are often listed at higher prices on the platform than what the same products are offered for elsewhere, including at the restaurant itself or on its website. The attorneys believe this suspected practice could be unfair to customers, who may unknowingly pay higher prices when they order through Grubhub.

The attorneys are investigating Grubhub for potential violations of federal and state consumer protection laws, and they’re now gathering affected users to sign up to take legal action.

So, if you are 18 or older, placed a delivery order through Grubhub in the last three years and were charged additional fees and/or tips that were not disclosed prior to checkout, join others taking action by filling out the form linked below.

Grubhub Users Sign Up Here

This investigation is sponsored by Bryson Harris Suciu & DeMay PLLC .

Hidden Fees on Chick-fil-A Delivery Orders?

Chick-fil-A claims that its food service always “starts with a smile,” but does it end with unfair, hidden fees?

Attorneys working with ClassAction.org suspect that the fast-food chain may deceive customers using the app or website into thinking that the price of food listed on the menu will be the approximate price of their order, while hiding several mandatory fees.

Specifically, they believe that Chick-fil-A may impose delivery fees, service fees and, where applicable, small order fees on all online orders, revealing them only at the end of the checkout process. The purpose may be to hide them from consumers until they are most likely to proceed with the purchase, even in spite of the price increase. The attorneys also believe that Chick-fil-A’s checkout process may be designed to automatically add a tip without the consumer’s affirmative consent.

The late addition of these fees may violate various consumer protection laws. If you are 18 or older and placed at least one delivery order through the Chick-fil-A website or app within the last two years, join others taking action by filling out the form linked below.

Chick-fil-A Customers Sign Up Here

This investigation is sponsored by Bryson Harris Suciu & DeMay PLLC .

McDonald’s: Hidden Delivery Fees?

McDonald’s, like many fast food chains, is valued by customers for its low prices, but is it illegally hiding extra fees on delivery orders?

Attorneys working with ClassAction.org believe that McDonald’s may intentionally hide the delivery, service and small order fees it tacks onto delivery orders until late in the transaction, potentially violating various states’ consumer protection laws and common law principles.

The late introduction of the fees, the attorneys say, may deceive customers into thinking the advertised base price of their food is accurate or close to the actual price they will pay, only to have the price change substantially at the end of the transaction.

If you are 18 or older and paid a delivery fee, service fee and/or small order fee on a delivery placed through the McDonald’s app or website within the past three years, join others taking action by filling out the form linked below.

McDonald’s Customers Sign Up Here

This investigation is sponsored by Bryson Harris Suciu & DeMay PLLC .

Ticketmaster Investigation: “Junk” Fees Not Properly Disclosed?

Ticketmaster’s fees have drawn the ire of event goers for years, and attorneys working with ClassAction.org are now looking into whether the ticket seller’s fee disclosure practices may have been deceptive.

Specifically, they believe Ticketmaster may have violated state consumer protection laws by failing to tell customers the full cost of each ticket, including fees, upfront. Instead, extra costs like service fees and convenience fees may have been added later in the purchasing process, resulting in customers having to pay more than the initially advertised price. This practice is known as “drip pricing” and was outlawed as part of the Federal Trade Commission’s ban on junk fees, which went into effect in May 2025.

The attorneys believe Ticketmaster customers could have claims worth anywhere from $50 to $1000s under state law, and they’re now signing people up to take action via mass arbitration.

So, if you bought tickets on Ticketmaster between May 12, 2022 and May 12, 2025, learn more and find out how to sign up at the link below.

Ticketmaster Customers Sign Up Here

This investigation is sponsored by Berger Montague .

Processing Fees On Santander Auto Loans?

Santander offers its auto loans with the promise of “helping [consumers] on the road to car ownership and financial well-being,” but does it try to hide the full cost of its services?

Attorneys working with ClassAction.org believe that Santander Consumer USA may not adequately disclose the processing fees it charges for online auto loan repayments, potentially violating state usury and consumer protection laws, as well as federal lending laws like the Truth in Lending Act (TILA) and the Fair Debt Collection Practices Act (FDCPA).

The TILA mandates that all terms of a credit transaction must be clearly and conspicuously disclosed to the consumer before the agreement is finalized, and the FDCPA, similarly, prohibits creditors from charging any amount on a credit transaction that was not previously expressly agreed upon.

Attorneys are now gathering borrowers to take action against Santander Consumer USA for its potentially unlawful processing fees.

If you have an auto loan with Santander, or had one within the past year, and made payments on it via the Santander online payment portal, join others taking action by filling out the form below.

Santander Customers Sign Up Here

This investigation is sponsored by Milberg LLC .

ACA Investigation: Surprise Fees for Online Payments?

Financing a car with American Credit Acceptance (ACA) is purportedly simple—but the lender may not be as straightforward about extra fees tacked onto customer payments.

Attorneys working with ClassAction.org suspect ACA may be illegally charging a processing fee for payments made online or by phone without clearly informing consumers in advance. They believe the company may have violated the federal Truth in Lending Act and Fair Debt Collection Practices Act, which require that lenders clearly disclose all loan-related terms and costs upfront.

The attorneys are also investigating whether ACA has run afoul of state consumer protection laws by failing to properly warn borrowers of the additional processing fee, and they’re now pursuing mass arbitration against the lender. ACA customers who participate may be able to recover what they paid in fees and potentially additional damages.

So, if you have or had an auto loan from American Credit Acceptance and made a payment on the loan through the lender’s online payment portal within the last year, join others taking action by filling out the form linked below.

ACA Borrowers Sign Up Here

This investigation is sponsored by Milberg LLC .

Undisclosed Fees on Credit Acceptance Corp. Auto Loans?

Credit Acceptance Corporation claims to open a world of possibilities for its auto loan borrowers, but is there a possibility that it illegally hides certain fees on repayments?

Attorneys working with ClassAction.org have reason to believe Credit Acceptance Corporation charges a processing fee on loan repayments made by phone or through its online portal with a debit or ATM card. However, the attorneys suspect that the company may be failing to properly disclose that fee to borrowers in a clear and timely manner, potentially violating federal lending laws, including the Truth in Lending Act (TILA) and the Fair Debt Collection Practices Act (FDCPA), as well as several state usury and consumer protection laws.

The FDCPA states that any payment to be collected in conjunction with a debt repayment, including payments like fees or interest, must be disclosed in a loan agreement. The TILA reinforces this by requiring that all loan terms, including associated charges like processing fees, must be made clearly known to the borrower, typically before the loan agreement is finalized.

Attorneys are now gathering people to take action against Credit Acceptance Corporation and its subsidiaries for potentially unlawful processing fees for certain auto loan repayment methods.

If you have an auto loan with Credit Acceptance Corporation, or had one within the past year, and made payments through its online payment portal, join others taking action by filling out the form linked below.

Credit Acceptance Customers Sign Up Here

This investigation is sponsored by Milberg LLC .

DriveTime Auto Loans: Fees for Online Payments?

DriveTime offers a selection of thousands of used vehicles at its dealerships across the country, claiming to offer flexible loan options through its financing partner, Bridgecrest. However, attorneys working with ClassAction.org are concerned that the companies’ lending practices may have violated borrowers’ rights.

Specifically, the attorneys are looking into whether DriveTime and Bridgecrest charged processing and convenience fees for payments made online or by phone without informing borrowers of the fees beforehand. If so, it’s possible that the companies may have run afoul of the federal Truth in Lending Act, which requires creditors to provide clear and conspicuous disclosure of terms related to credit transactions, including any associated fees.

The attorneys also suspect that DriveTime and Bridgecrest may have violated the federal Fair Debt Collection Practices Act, which prohibits the collection of any amount, including fees, that was not authorized by the loan agreement.

The attorneys are now gathering borrowers to sign up for mass arbitration against DriveTime and Bridgecrest. Those who take action may be able to recover money they paid in fees and potentially additional damages under state consumer protection laws.

Do you have an auto loan from DriveTime that was serviced by Bridgecrest Credit Company? If you made an online payment on your loan in the past year, join others taking action by filling out the form at the link below.

DriveTime Borrowers Sign Up Here

This investigation is sponsored by Milberg LLC .

Consumer Portfolio Services Auto Loan Processing Fees: Are They Legal?

Consumer Portfolio Services helps consumers with “past credit problems, low incomes or limited credit histories” finance their vehicles, but do they really tell you the full cost of that service?

Attorneys working with ClassAction.org believe that Consumer Portfolio Services (CPS) may fail to properly disclose to consumers the processing fees it charges on online auto loan payments, potentially violating federal lending laws including the Truth in Lending Act (TILA) and the Fair Debt Collection Practices Act (FDCPA).

Under the TILA, all terms of a loan, including any associated charges such as processing fees, must be disclosed to the borrower in a timely and clear manner, typically before the loan agreement is made official. The FDCPA further reinforces this by prohibiting the “collection of any amount (including any interest, fee, charge or expense incidental to the principal obligation) unless such an amount is expressly authorized by the agreement creating the debt or permitted by law.”

Now, attorneys are rallying CPS borrowers to take legal action against the auto loan provider for potentially unlawful processing fees for online loan repayments.

If you have an auto loan with Consumer Portfolio Services and used its online payment portal to make payments within the last year, join others taking action by filling out the form using the link below.

CPS Customers Sign Up Here

This investigation is sponsored by Milberg LLC .

GM Financial Investigation Looks into Processing Fees

Getting charged a processing fee on top of your monthly car payment may feel like a case of adding insult to injury—and in some situations, it may even be illegal.

Attorneys working with ClassAction.org suspect that GM Financial, the financial services arm of American automaker General Motors, may have violated federal and state laws by failing to clearly disclose processing fees charged for loan payments made online and by phone.

Both the federal Truth in Lending Act and Fair Debt Collection Practices Act require clear disclosure and authorization of any fees associated with loans, but the attorneys believe GM Financial may have fallen short of those requirements by not warning borrowers about processing fees upfront. It’s also possible that the company has violated similar state consumer protection laws.

The attorneys are now pursuing mass arbitration against GM Financial, and those who sign up may be able to recover money for the fees they paid, plus additional damages.

If you’re 18 or older and, within the past year, made an online payment for an auto loan originated by or assigned to AmeriCredit Financial Services (GM Financial), join others taking action by filling out the form at the link below.

GM Financial Borrowers Sign Up Here

This investigation is sponsored by Milberg LLC .

Uber One Investigation: Hidden Delivery Fees for Uber Eats?

Is Uber One a scam? Depends on who you ask. Scam or not, attorneys working with ClassAction.org suspect that Uber’s monthly subscription service, which claims to provide discounts on rides and Uber Eats deliveries, may be falsely advertised.

Specifically, they believe that although Uber One subscribers are told they will pay a “$0 Delivery Fee” on eligible Uber Eats orders, the company may be charging hidden delivery fees. According to the attorneys, when an Uber One member places an order through Uber Eats, the checkout screen includes a “Delivery Fee” of “$0” but also has a line that reads “Taxes & Other Fees”—which, when accessed, reveals that the Uber One member is paying a “Service Fee and Other Fees” that cover “delivery services.”

The attorneys believe Uber could be violating various state consumer protection laws by secretly charging Uber One subscribers for delivery services, and they’re now gathering affected users to take legal action via mass arbitration. It’s possible that consumers who sign up could have claims worth anywhere from $100 to $1,000s.

If you had an Uber One membership and ordered one or more food deliveries through Uber Eats in the past three years, join others taking action by filling out the form at the link below.

Uber One Members Sign Up Here

This investigation is sponsored by Bryson Harris Suciu & DeMay PLLC .

Westlake Financial Auto Loans: Undisclosed Fees?

Westlake Financial claims that it makes car buying a “hassle-free” experience—you can even make your car payments via a convenient web portal. But is the true cost of your new car actually being disclosed to you? Attorneys working with ClassAction.org aren’t quite so sure.

Indeed, they have reason to believe that Westlake Financial may have violated two federal laws—the Truth in Lending Act (TILA) and Fair Debt Collection Practices Act (FDCPA)—by failing to properly disclose processing fees levied for online payments made with a debit card.

Under the TILA, lenders must explain all loan terms—including any charges tied to the credit itself, such as processing fees—in a clear and timely manner. Unfortunately for Westlake shoppers, attorneys believe the fee for making a debit card payment online may not have been properly disclosed at the outset of the loan or before making a loan payment in violation of the TILA, a law specifically enacted to protect borrowers against hidden loan charges and fees. Further, the FDCPA states that a debt collector cannot collect any amount (including fees) that is not “expressly authorized” by the loan agreement.

Now, attorneys are gathering Westlake borrowers to take legal action for potentially unlawful lending and debt collection practices. They’re also investigating whether Westlake violated certain state usury and consumer protection laws.

So, if you have an auto loan with Westlake Financial and used the online portal to make payments within the last year, join others taking action using the link below.

Westlake Borrowers Sign Up Here

This investigation is sponsored by Milberg LLC .

Bought Tickets on StubHub for a NY Event?

No one wants to buy resale—the cost, the fees, and the concern about what happens if your tickets don’t work. Oh, and did we mention the fees?

But there may be some hope—at least for eventgoers who bought tickets via StubHub to events in New York State. Attorneys working with ClassAction.org have reason to believe that StubHub may be violating New York’s Arts and Cultural Affairs Law by not displaying the true cost of tickets on the page where they are initially listed. For instance, a ticket may be listed as $405, but upon selection is priced at $522 with fees.

Under New York’s Arts and Cultural Affairs Law, ticket resellers must disclose the total cost of a ticket, including any fees, before it is selected for purchase. Attorneys suspect StubHub may be violating this law by waiting to reveal its fees, which may include service or fulfillment fees, and they’re now gathering customers to take action.   

If you bought tickets from StubHub on or after August 29, 2022 for an event that took place in New York State, click the link below to join others signing up. You do not have to live in New York to participate.    

New York’s Arts and Cultural Affairs Law specifically states that consumers who are harmed due to a violation can take action to recover $50.

StubHub Users Sign Up Here

This investigation is sponsored by Milberg LLC .

MySchoolBucks Arbitration: Illegal Fees? (North Carolina)

We’ve all seen the movies—strong-arming kids into giving up their lunch money is a classic bully move. So, what about charging parents fees to add money to their kids’ lunch accounts? Bully move or not, attorneys are looking into whether payment processor MySchoolBucks is violating North Carolina law by charging users excessive transaction fees.

Specifically, the attorneys believe it could be deceptive for MySchoolBucks to advertise meal plan prices on its website without clearly disclosing that parents will need to pay substantial fees—sometimes up to $3.25—each time they use a credit card to add money to their children’s accounts. They also suspect that the fees (sometimes called “program fees” by MySchoolBucks) may exceed what it actually costs to process credit card payments, allowing MySchoolBucks to profit at parents’ expense.

The attorneys believe that under North Carolina law, people who paid transaction fees could have claims worth anywhere from $500 to $4,000.

If you live in North Carolina and paid a fee for using your credit card to add money to your child’s account on MySchoolBucks.com or the associated app anytime since 2021, join others taking action. Sign up by filling out the form linked to below.

MySchoolBucks Users Sign Up Here

This investigation is sponsored by Milberg LLC .

SeatGeek Deceptive Ticket Price Investigation

SeatGeek.com users: ever been frustrated by added fees on the checkout page? Attorneys believe SeatGeek’s ticket prices may have been deceptively advertised due to these unexpected fees and are gathering users to take legal action.

Specifically, they believe SeatGeek may have violated New York’s Arts and Cultural Affairs law, which requires sellers to disclose the full price of an event ticket upfront and prohibits them from increasing a ticket’s price during the purchase process. Certain SeatGeek ticket buyers who ended up paying more at checkout than the initially advertised price due to added fees could be owed $50 or more under the Arts and Cultural Affairs law.

If you bought tickets on SeatGeek.com while living in New York or for an event in New York between June 30, 2023 and June 30, 2024, join others taking action against the company. Sign up by filling out the form linked to below.

SeatGeek.com Users Sign Up Here

This investigation is sponsored by Milberg LLC .

StubHub Deceptive Ticket Prices? (California)

California ticket buyers: ever use the feature on StubHub.com that includes estimated fees in ticket prices? Was it accurate?

Attorneys believe StubHub may have been tricking its users—and violating several California consumer protection laws in the process—by consistently charging higher fees than initially shown through its “include estimated fees” filter. If that’s the case, StubHub.com users may have been charged more than advertised for concert, sports and event tickets – and they may not have found out until they made it to the final checkout page, where they only have a few minutes to complete their purchase and secure their selected seats.

The attorneys believe StubHub may have violated the California Unfair Competition Law and the California Consumers Legal Remedies Act—and that users could potentially have claims worth over $1,000.

If you live in California and bought tickets on StubHub.com after using the “include estimated fees” filter between June 30, 2021 and June 30, 2024, join others taking action by filling out the form linked below.

StubHub Users Sign Up Here

This investigation is sponsored by Milberg LLC .

FTC Considering Banning Certain Fee Practices

In November 2023, the Federal Trade Commission (FTC) published a proposed rule to address unfair and deceptive fees for goods and services, including event tickets. Specifically, the agency is considering banning certain fee practices that it has found to be prevalent and harmful, including misrepresenting the total cost of goods and services by leaving out mandatory fees from advertised prices and misrepresenting the nature and purpose of the fees.

The FTC noted that consumers had expressed concern that sellers frequently do not advertise the total cost a buyer will have to pay and instead add on fees “only after consumers are well into purchasing transactions.” According to the agency, many consumers also complained that sellers often misrepresent fees or fail to explain their purpose, leaving buyers wondering what the fees are for and feeling that they’re essentially paying for nothing.

The FTC found that the thousands of public comments it received after initially announcing its intention to address junk fees and other potentially deceptive pricing practices “strongly support” the need for a rule to address harm to consumers and businesses.

Several class action lawsuits have also been filed alleging that drip pricing and junk fees violate consumer protection laws.

Is This a Lawsuit? What Am I Signing Up For, Exactly?

You are not signing up for a lawsuit, but rather a process known as mass arbitration. This is a relatively new legal technique that, like a class action lawsuit, allows a large group of people to take action and seek compensation from a company over an alleged wrongdoing. Here is a quick explanation of mass arbitration from our blog:

[M]ass arbitration occurs when hundreds or thousands of consumers file individual arbitration claims against the same company over the same issue at the same time. The aim of a mass arbitration proceeding is to grant relief on a large scale (similar to a class action lawsuit) for those who sign up.”

Some companies’ terms and conditions may contain a class action waiver and/or an arbitration clause requiring consumers to resolve disputes via arbitration, a form of alternative dispute resolution that takes place outside of court before a neutral arbitrator, as opposed to a judge or jury. It’s for this reason that attorneys working with ClassAction.org have decided to handle these matters as mass arbitrations rather than class action lawsuits.

How Much Does This Cost?

It costs nothing to sign up, and you’ll only need to pay if the attorneys win money on your behalf. Their payment will come as a percentage of your award. 

If they don’t win your claim, you don’t pay.

Previous Investigations

The following investigations are complete, and attorneys are no longer signing up affected consumers. 

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