Welcome to the website for the Klopfenstein v. Fifth Third Bank Early Access Cash Advance Litigation.

If you were enrolled in the Early Access Loan Program with Fifth Third Bank (“Defendant” or “Fifth Third”) and were enrolled therein from August 3, 2011, through April 30, 2013 and took an advance (the “TILA Class”), you may be a Class Member eligible to receive a payment from the Judgment in this class action lawsuit (the “Action” or “Lawsuit”).

The parties (called the “Plaintiffs”) who brought the lawsuit against Fifth Third claim that the Defendant misrepresented the annual percentage interest rate (“APR”) associated with Early Access loans and charged higher interest rates on those loans. The Plaintiffs are seeking monetary damages, declaratory relief and injunctive relief on behalf of the Classes.

On December 1, 2023, the Court entered the Judgment in Plaintiffs’ and the TILA Class’s favor that the Defendant violated the Truth in Lending Act. On February 3, 2026, Honorable Judge Michael R. Barrett, of the United States District Court for the Southern District of Ohio (the “Court”) entered an order approving the distribution of award payments from the Judgment in favor of the Plaintiffs and the TILA Class (the “Distribution Order”). The Distribution Order approved the distribution of award payments from the Judgment with interest totaling in the amount of $2,231,290.

The Frequently Asked Questions page of this website has more information on your rights and options as a Class Member in this Action.


How to Receive Payment

Class Members with current Fifth Third checking accounts

No action is needed. Fifth Third will directly deposit payment into your Fifth Third checking account. Fifth Third will provide notice to you through a transaction description substantially similar to the following statement: “This credit is your share of a judgment in Klopfenstein, et al. v. Fifth Third Bank, Case No. 1:12cv851 (U.S. Dist. Ct. S. Dist. Ohio).”

Class Members without current Fifth Third checking accounts

The Defendant has retained Epiq Class Action & Claims Solution, Inc. (“Epiq”) to distribute payments to Class Members without current Fifth Third Checking Accounts. Epiq will reach out twice via email to the most recent email address on file with Fifth Third: first to notify you of the upcoming payment, and then a second email via our disbursements partner, Digital Disbursements, with a link to the disbursements portal to make your preferred digital payment selection (Venmo, PayPal, Zelle, ACH/Direct Deposit).

If you wish to update your email or mailing address, you must respond to the first email from info@TILAClassDistribution.com with your update contact information. Do not reply to the email from noreply@digitaldisbursements.com.

If you wish to receive payment by check and your address is different from the last address on file with Fifth Third, you must respond to the first email with your new address.

Do Nothing

Epiq will mail your paper check to the last address Fifth Third had on file for you.




Current Status

On February 3, 2026, the Court ordered the distribution of award payments for the TILA Class. As of March 9, 2026, Fifth Third is currently distributing payments to Class Members who have current checking accounts with Fifth Third via direct deposit.


Important Dates
  • August 3, 2011 through April 30, 2013
    Class Period
  • September 30, 2021
    Deadline for Requesting Exclusion from TILA Class
  • December 1, 2023
    Judgment Entered by the Court for TILA Class
  • February 3, 2026
    TILA Class Distribution Order Signed by the Court
  • December 1, 2023 through February 3, 2026
    Post-Judgment Interest Period