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If you took out an online payday loan from a company affiliated with AMG Services, you may be getting a check in the mail from the FTC. The $505 million the FTC is returning to consumers makes this the largest refund program the agency has ever administered.

The FTC sued AMG and Scott A. Tucker for deceptive payday lending. When consumers took out loans, AMG said they would charge a one-time finance fee. Instead, AMG made multiple illegal withdrawals from peoples’ bank accounts and charged hidden fees. As a result, people paid far more for the loans than they had agreed to.

In 2016 the FTC won a court case against AMG and Scott Tucker. Then in 2017, a jury convicted Tucker and his attorney of crimes related to the lending scheme. The FTC and Department of Justice are using money obtained in both court actions to give refunds to consumers.

Here are answers to questions about AMG refunds.

Who will get a refund? Checks are being sent to consumers who took out loans between January 2008 and January 2013 from these AMG-related companies: 500FastCash, Advantage Cash Services, Ameriloan, OneClickCash, Star Cash Processing, UnitedCashLoans, and USFastCash.

How many people will get refunds? More than 1.1 million people will get refunds.

How does the FTC know who to send the checks to? The FTC and a refund administrator have used AMG’s business records to identify eligible consumers and calculate their refunds.

I’m eligible for a refund. What do I need to do? If you borrowed from one of the lenders listed above between January 2008 and January 2013, you don’t need to do anything. The checks are being mailed to eligible consumers automatically. There is no application process. If you borrowed from one of those lenders before January 2008, please call 1-866-730-8147.

How can I get more information? Visit the FTC’s AMG refund page or call 1-866-730-8147.

Three tips from the FTC:

  1. If you get a check, deposit or cash it within 60 days.
  2. The FTC never asks people to pay money or give information to cash refund checks. If someone asks you to pay to get a refund from the FTC, it’s a scam.
  3. The FTC has advice if you’re thinking about a payday loan or an online payday loan.
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February 14, 2019
I sent for a reissuance in December. They received and processed it on December 12th. I'm still waiting!
February 19, 2019
I sent my check back to be reissued in the middle of December. I received a new check today. So yes the checks are real, and yes they have started reissuing checks!!
February 20, 2019
I sent my check back and asked that it be reissued because I had moved and received the check after the 30 day cash date. How long before I hear anything back about this check being reissued?
February 20, 2019
I just saw my check and the 60 days has past...can I get another check reissued?
February 21, 2019
I used them many times in 2010 and 2011 and had to close a checking account because of them. I did not receive a check at all. I spent over $250,000 on fake payday loans and scams. They need to be stopped.
February 21, 2019
I finally received my check! It took a while, but patience was the key! Thank you! Everyone be on the lookout, yours may be in the mail!
February 23, 2019

In reply to by MsBrown

Ya got mine, was a reissued check i had a loan from 2 of the crook, ripoff lying sites . Can you believe I got enough back to buy a car for my son. Not a brand new car but 1500 will buy a nice used car..needed one badly so happy I could help thanks to THE FTC...THANK YOU.....GET SPOTLOAN.COM NEXT
February 22, 2019
Got mine today was a reissued one
February 24, 2019
I can't beleive I just found this check in a pile of junk mail to be shredded. Can I still get a check reissued? God thank you! What do I need to do to get a new check?
February 25, 2019
Got my check in Sept but didn’t cash it. Sent it back the 1st week of January to get the check reissued. Once the govt opened kept checking the website where you can confirm if the check is from the FTC to see if my check had been reissued. You will need the reference number that was on the old check. About the second week in February saw I had a new check issuance date - February 14th. I got my check on February 19th. Hope this helps.
March 11, 2019
My husband received a check today for his one loan, but I had several loans with them and haven't received anything. If I call and give them my information will they be able to check for mine?
Eugene Dalton
March 12, 2019
I received a second check today it was very small 36.16 very disapointed . Very small than the first one that I got in October 1 2018 which was almost 2000. So I guess they are sending the second round of checks to people who were scamed
March 12, 2019
I just got a check yesterday. Is this real?
March 12, 2019
I always knew that one time finance charge was BS! It kept charging my account I had with Bank of America. It was a rough time for me and I ended up withdrawing my money from the bank. SMH. I recieved a check in the mail, but lost an account with Bank Of America and now owe them ultimately because of the payday loans.
March 12, 2019
Is these checks real please help I got almost 5,000 please help
March 12, 2019
I just received a second check prior to Octobers for 36 dollars mailed on March 7th I guess this is the second disbursement I wish it would have been more my first check was 1400 hopefully they will send me another check
March 13, 2019
I just received my checked today, the statement says it's a partial refund. Do I receive more money later?
March 13, 2019
I just receive another check for 36 for the second time firt time was 1400. I guess this is the second disbursement
March 13, 2019
just got mine today thank-you very much think i threw one away thought it was junk mail but what i got saved me ty
March 14, 2019
I got two checks in the mail, but they were sent to my daughters address not mine?
March 15, 2019
Wow! Received a check for $4600 on March 13th, thought it was a scam and almost threw it away! Whew, did some checking, found it was legit. Deposited into my account and it cleared today. So happy I did not throw it away! Had no clue about the lawsuit.
March 16, 2019
So how much will be played out. How many check will there be.
Still Waiting
March 17, 2019
They send my check out February 14 2019 an I still haven't received it yet they keep saying i have to just wait smh it's been over a month now something not rite
March 17, 2019
I received a check and it got lost. Can I get a replacement??
March 19, 2019
my check was returned, $1300! not sure why. i need this money. not sure how to cash it, there are no us banks in my state. guess i am calling them.
March 29, 2019
did anyone get 2 checks I think I threw one away?
April 01, 2019
Do you know if there's any action being taken against 1800LoanMart?
April 07, 2019
Hello, I requested a re-issued check (mailed original with explanation) on 2/22/2019. I was just wondering about how much longer I will need to wait. Or if there is anyway to verify that the original check with explanation was received. Thank you.
April 12, 2019
April 22, 2019
When will we get our next check?
April 23, 2019
I got cheated out of my money the young lady on the phone told me she wasn't supposed to tell me but I had another check because I lived in 2 different address when I applied for these loans about 4 to be exact and I got 106.00 dollars no way in heck should of I gotten that little bit when they killed me on those loan to when I had to close my account something not right forreal!!
May 16, 2019

In reply to by Pattydodo

Well they are back in court,I hop the Judge help us out either FTC/AMG give us the money or give it back to MR Tucker. That unbelievable how they Rob us and stated they're helping us.
May 16, 2019
FTC/AMG are you going to give us some of that 505 millions dallors? or you just keeping it to yourself?
May 25, 2019
I was cleaning out my desk and just found the check. I didn't know it was a check. Can I still call the number and maybe get the check reissued?
sweetie pie
May 27, 2019
Received a check date Sept.27, 2018, void Nov 26,2018 just found check 5/27/2019 can I get it reissued ?
October 10, 2019
I never cash the check through it was junk mail and a scam. It's been long pass the 60days can an other check be issued?
October 10, 2019
Through this was a scam received a check past the 60days is it possible to get a reissued check?
November 02, 2019
However do you find out if you received a check? Who do you talk to? Do you have a form that I need to fill out?
March 05, 2020
I got my checks back in Oct 2018 called the number was legit so deposit checks for 3120. Yesterday got a call March 3 2020 from a collection agency trying to collect on one of the clowns that was part of this settlement.
July 02, 2020
I was a victim of this scam can I still sign up to get some money back??
Don't use your…
August 15, 2020
I just saw this article. I took out loans from Oneclickcash and USFast cash between 2008 and 2010. I didn’t get a check. I had moved a couple of times since then. How do I. Get my check?
Marie Carpenter
May 17, 2022

Is this the lawyer for payday loan that have a lawsuit people's to a payday loan because I need to have a lawsuit against them