$14M RAC Acceptance East Settlement Ends Class Action Lawsuit Over Allegedly Unlawful Processing Fees

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RAC Acceptance East has agreed to a $14,000,000 settlement to resolve a class action lawsuit that claimed the lease-to-own company wrongfully issued a $45 processing fee to California consumers who signed rental-purchase agreements.

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The RAC Acceptance East class action settlement received preliminary approval from the court on October 31, 2025 and covers all individuals in California who entered a rental-purchase agreement with RAC and were charged a processing fee between December 11, 2016 and June 30, 2021.

The court-approved website for the Acceptance Now class action settlement can be found at https://www.AcceptanceNowClassAction.com/.

According to the website, RAC settlement class members do not need to do anything to receive their cash payout, which will be a unique, calculated share of how much remains in the settlement fund after the payment of attorney’s fees, settlement administration costs, and lead plaintiff service awards.

All RAC class members may elect to receive their payout via check or electronic payment. Per the settlement agreement, checks will be sent automatically to a class member’s address and must be cashed within 90 days of issuance before expiration.

Should a class member prefer to receive an electronic payment, they can head to this page and enter the class member ID and code found on their copy of the settlement notice.

Consumers who did not receive a copy of the settlement notice or who have any other questions about the settlement agreement may contact the settlement administrator.

The court will determine whether to grant final approval to the RAC class action settlement at a hearing on March 12, 2026. Compensation will begin to be distributed to class members only after final approval is granted and any appeals are resolved.

The RAC Acceptance East class action lawsuit claimed that the rent-to-own leasing company exploited California consumers by unlawfully charging “processing fees” on top of agreed-upon monthly rental payments for furniture, appliances, electronics and other household goods.

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