Frequently Asked

Claimful is a free service that finds money you’re already owed — class action settlements, bank signup bonuses, credit-card welcome offers, and government benefits. We monitor public sources continuously, match opportunities to your profile, and walk you through the filing process for each one.

The free plan covers every opportunity category and always will. We cover costs two ways. Some bank bonuses include an affiliate link to the bank’s application page; when you sign up through us, the bank pays us a small fee, which is always disclosed on the opportunity card. Separately, Pro ($4.99/month) adds priority alerts and smart matching and VIP ($14.99/month) adds auto-filing on supported class actions and 1-on-1 support. We never take a cut of your claim payouts.

Every opportunity on Claimful links to the official source — the state treasurer, settlement administrator, IRS page, or bank website — so you can verify directly before claiming. We aggregate public information; we don’t invent opportunities or act as an intermediary for your money. If anything ever asks you for a fee to claim money, that’s a scam, not something you’d see on our site.

No. You can browse opportunities and read guides without signing up. An account lets us personalize matches to your profile, track the claims you’ve filed, send deadline reminders, and save time on filings. You can sign up free with just an email.

All 50 US states and Washington D.C. Federal opportunities (federal class actions, federal benefits) apply everywhere. State-specific opportunities (multistate consumer-protection settlements led by your state attorney general, state-level class actions) are filtered to your state. International opportunities are not yet supported — Canada and the UK are on our roadmap.

It depends on your profile, state, and financial history. The median user who runs through our initial onboarding finds $300 or more in easy claims within the first week. Power users with long employment histories, multiple former addresses, or older relatives they can help typically exceed $1,500 in the first year. Occasionally users find five-figure amounts in forgotten retirement accounts or large settlements.

Sign up with your email, complete the two-minute onboarding quiz (state, past addresses, banks, retailers), and we’ll surface your top matches within a few seconds. You can start filing the same day.

Each opportunity page has a prominent button — “Claim This,” “Apply Now,” or similar — that takes you to the official filing flow. For class actions, that’s the administrator or state attorney general website. For bank bonuses and credit cards, it’s the issuer’s application page. We provide step-by-step filing instructions alongside the link so you know exactly what to enter.

Never to us. Government and class action claims are always free to file — if anyone asks you for a filing fee, it’s a scam. Bank bonuses involve opening an account with the bank, which may have account-level fees (like monthly maintenance fees), but those aren’t filing fees and we disclose them on the opportunity card.

It varies widely by opportunity type. Bank bonuses typically post 30-90 days after you meet requirements. Price adjustment refunds from retailers take 1-5 business days. Tax credits show up on your next tax refund. Class action settlements take 6-18 months from the claim deadline. Unclaimed property claims take 30-90 days on average. We show estimated timelines on every opportunity.

For most opportunities: a government-issued photo ID, your Social Security number, and your current mailing address. Some categories need more. Unclaimed property claims often need proof of former addresses (old utility bills, tax returns). Inherited claims need a death certificate and proof of relationship. Securities class actions need brokerage transaction records. Each opportunity page lists the required documents upfront.

Most rejections are for fixable reasons — missing documentation, name mismatch, a form field left blank. The administrator will send a cure notice explaining the issue, usually with a 30-day window to respond. Read carefully, fix the issue, and re-submit. If a claim is denied outright and you think it was wrong, every program has an appeals process with a deadline (usually 30-90 days).

Sometimes. Bank bonuses are taxable as interest income and generate a 1099-INT. Class action payouts may or may not be taxable depending on what they compensate for (lost wages: taxable; physical injury or property damage: usually not). Credit card signup bonuses are generally considered rebates and not taxable. Unclaimed property is usually not taxable when it’s your own previously-taxed money being returned. Consult a tax professional for your specific situation — this isn’t tax advice.

For spouses: some opportunities let you file jointly; others require your spouse to file from their own account. We flag the difference on each opportunity. For deceased relatives: yes, with the right documentation — typically a death certificate, proof of relationship (marriage license, birth certificate), and either letters testamentary from probate court or a small-estate affidavit. States vary on amount thresholds that trigger formal probate requirements.

“Found” means we’ve surfaced an opportunity that looks like a match for your profile — no action taken yet. “Applied” means you’ve submitted a claim or application. “Pending” means you’ve applied and we’re tracking the wait time toward payout. “Paid” means you’ve received the money and marked it as received. You can update the status on any opportunity from your tracker.

We run the opportunities we’re tracking against your profile: state of residence, past states, banks you’ve used, credit cards you hold, major retailers you shop at, and past employers. We only surface matches that genuinely fit — we’d rather show you 5 real matches than 50 weak ones. You can edit your profile anytime in settings.

At minimum, an email address. For matching, your state, ZIP code, and the broad shape of your financial life (banks, retailers, past employers) help us surface real opportunities. For filing, each claim has its own documentation requirements — we never store your SSN, bank account numbers, or other sensitive claim data beyond the duration of the filing session.

No. We don’t sell your profile, share it with brokers, or monetize your data. The only exception: when you click an affiliate link to a bank, you’re visiting the bank’s site directly, and we receive a confirmation that the visit came from us (no personal info attached). Read our Privacy Policy for the full details.

Go to Settings → Account → Delete account. Your profile, tracker, and saved opportunities will be permanently removed within 30 days. You’ll receive a confirmation email. Authenticated logs may be retained for fraud prevention for a limited period, as required by law.

Go to Settings → Account → Export data. We’ll email you a JSON file containing your profile, claim history, saved opportunities, and notifications log. This is machine-readable and portable — take it with you.

You can make your public page visible if you’d like to share your progress. Profile visibility is off by default. When enabled, we show your display name, cumulative amount found, and achievements — never your state, ZIP, or any private financial info. Toggle this in Settings → Privacy.

We monitor public sources across our four active categories: settlement administrator sites, court dockets, state attorney general newsrooms, federal benefit program pages, bank promotional pages, credit-card issuer announcements, and aggregator sites like ClassAction.org and Doctor of Credit. The scraping pipeline runs continuously with an AI-assisted extraction layer for site changes.

Every 30 minutes we run a fresh pass against all tracked sources. New opportunities are verified (deduplicated, fact-checked against the original source) before being added to the public feed. Most new settlements and bonuses appear within an hour of announcement.

We mark expired opportunities clearly and move them off the active feed. You’ll still see them in search if you look them up directly, with an “expired” flag and the original deadline. If you spot something listed as active that’s actually expired, click “Report an issue” on the opportunity page — we’ll fix it within a day.

Yes. Email us at submissions@claimful.app with a link to the source (settlement administrator, bank press release, state portal) and a short description. We verify every submission against the source before publishing. Confirmed submissions earn you a reward in your account.

Every account has a unique referral link in Settings → Refer a friend. When someone signs up using your link, they get a small bonus on their first matched claim and you get a reward once they file their first claim. You can refer as many people as you’d like.

Each successful referral (sign up + file first claim) credits your account with $5 in Pro credits, applied to your next Pro upgrade. Hit 5 successful referrals and you've earned a free month of Pro; hit 10 and Pro is yours for life. The referred friend also gets a one-time $5 bonus added to their first paid claim if the opportunity supports payout boosts.

When your referred friend files their first claim — not just when they sign up. This is to keep the program tilted toward real users, not signup farming. Reward credit appears in your account within 24 hours of the friend’s first filing.

Yes, as long as they’re filing legitimate claims for themselves. The only restriction is that you can’t self-refer (sign up for a second account to claim a referral reward) — we monitor for that and those accounts are removed.

Fastest is to email support@claimful.app or use the Contact form at /contact. For time-sensitive claim issues (filing deadlines, payout questions), flag it in the subject and we prioritize it.

Free plan: within 48 hours on weekdays. Pro plan: within 24 hours. VIP plan: within 4 hours during business days, plus 1-on-1 support for complex claims. We aim to beat these SLAs in practice.

Please do. Email feedback@claimful.app with the feature request and the use case. We read every message and maintain a public roadmap. Good suggestions often ship within a few weeks.

Email bugs@claimful.app with a description of what happened, the URL where it occurred, and a screenshot if you have one. Critical bugs (data integrity, payment issues) get same-day attention.

No. We’re an information aggregation service. We help you find and file claims on your own, but we don’t provide legal, tax, or financial advice. For complex situations — large estate claims, contested settlements, significant tax questions — consult a licensed professional.

Payout estimates shown on opportunities are based on public data: the settlement administrator’s published payout tiers, the average historical claim amount for similar cases, or the state treasurer’s classification. Actual amounts vary based on claim volume, individual circumstances, and pro rata reductions. We show ranges where appropriate and label amounts clearly as estimates.

Don’t panic. Bank bonuses, referral rewards, and some settlement payouts can trigger a 1099-INT or 1099-MISC. Cross-check the 1099 against your records and include the amount on your tax return. If you get a 1099 for an amount you didn’t receive, contact the issuer immediately and request a correction (Form W-9 correction). For complex tax questions, consult a CPA or enrolled agent.

We don’t list pay-to-play services (like third-party “recovery” services that charge to file claims you could file yourself for free), opportunities that require personal loans or debt, MLM “opportunities,” or anything that asks you to pay fees to receive money. We also avoid promotional bank bonuses with deceptive terms — we verify the terms match what’s advertised before publishing.