Apple Gift Card Scam Settlement Canada, How to Claim a Share of the CAD $1.25 Million Ferracci v. Apple Settlement by February 20, 2027

Canadians who gave Apple gift card redemption codes to scammers may be able to claim part of a CAD $1,250,000 class action settlement with Apple Inc., Apple Value Services, LLC and Apple Canada Inc. The Ontario Superior Court of Justice approved the settlement on September 16, 2026 in Michael Ferracci v. Apple Inc., Apple Value Services, LLC and Apple Canada Inc., Court File No. CV-20-645295-00CP. The claims period opened on October 23, 2026, and the claim deadline is February 20, 2027.

Apple denies wrongdoing, and the settlement is not an admission of liability. There is no guaranteed or fixed payment per person. The $1.25 million is an all-inclusive amount, and what claimants receive depends on how many valid claims are filed and the court-approved distribution protocol.

Quick Facts: Ferracci v. Apple Gift Card Settlement (Canada)

Detail	Information
Settlement amount	CAD $1,250,000, all-inclusive
Official settlement website	giftcardsettlement.ca
Defendants	Apple Inc., Apple Value Services, LLC and Apple Canada Inc.
Case	Michael Ferracci v. Apple Inc., et al.
Court and file number	Ontario Superior Court of Justice, CV-20-645295-00CP
Judge	Justice Glustein
Settlement approved	September 16, 2026
Claims opened	October 23, 2026
Claim deadline	February 20, 2027 (paper claims must be postmarked by that date)
Who can claim	People in Canada who bought eligible Apple gift cards from January 1, 2016 to September 16, 2026, gave the codes to an unknown third party under false pretenses and were not fully compensated
Eligible cards	iTunes, App Store and Apple Music gift cards
Claims administrator	Verita Global
Class counsel	Sotos LLP
Claims help	1-888-808-3269 (English and French, free of charge)
Individual payment	Varies; no fixed amount

What Is the Ferracci v. Apple Gift Card Class Action About?

Michael Ferracci began the case in Ontario in August 2020 on behalf of Canadians who lost money when scammers obtained the redemption codes from their Apple gift cards. The claim alleged that Apple had information about how gift cards were bought, redeemed and spent, could identify the accounts and vendors receiving the money, and could hold or reverse transfers and flag suspicious transactions, but did not adequately protect consumers who reported scams. The claims included negligence, breach of contract, unjust enrichment, consumer protection legislation and the Competition Act.

These were allegations, not court findings. Apple was not accused of carrying out the scams. It denied that it owed consumers reimbursement and denied wrongdoing.

How did the Apple gift card scams work?

The complaint described fraudsters convincing people to buy gift cards and read out the redemption codes, claiming for example that the person owed a government fee, a utility bill or a debt, or faced an emergency. Once they had the codes, they redeemed the value. Apple’s own guidance warns that its gift cards cannot be used to pay government fees, utility bills or ordinary debts and that codes should not be shared with strangers.

How Much Is the Apple Gift Card Settlement Worth to Each Claimant?

There is no fixed amount. After court-approved fees, taxes and administration costs, the remaining money is divided under the court-approved distribution protocol:

Group	Share of remaining funds	How it is calculated
Verified Apple-contact claims	75%	Proportional to each eligible claimant’s loss
Other eligible claims	25%	Equal flat-rate payments

The administrator checks claims against Apple’s records to see whether Apple can verify that the claimant reported the fraud to Apple. People who never contacted Apple are not automatically excluded, since the FAQ accepts evidence of reporting to a retailer, bank, credit card company, police or another recognized authority. Everyone uses the same claim form, and the administrator decides which group a claim falls into.

How much is deducted before payments?

On September 16, 2026, Justice Glustein approved:

Approved item	Amount
Class counsel fees	CAD $250,000 (20% of the settlement amount)
Taxes on fees	Applicable taxes, in addition
Class counsel disbursements	CAD $7,414.85
Future disbursements	Up to CAD $10,000

Administration costs also come out of the settlement amount. A claimant who lost CAD $1,000 should not expect $1,000, and the administrator has not announced a minimum, maximum or average payment.

Who Qualifies for the Ferracci v. Apple Gift Card Settlement?

You qualify if all of the following apply:

1. You are a person in Canada.
2. You bought one or more iTunes, App Store or Apple Music gift cards between January 1, 2016 and September 16, 2026.
3. You gave the redemption code to an unknown third party who sought it under false pretenses.
4. You did not receive full compensation for your loss. If you got a partial refund, you may still claim the unreimbursed part.
5. You can provide evidence that the fraud was reported, which need not be a report to Apple.

Which losses are not covered?

The settlement names iTunes, App Store and Apple Music gift cards. It does not list Apple Store gift cards, and scams involving Amazon, Google Play, Visa or Mastercard gift cards are not covered. People who were fully compensated, validly opted out or fall into an excluded group are also not eligible. Exclusions include the defendants and certain related parties, employees of the law firms involved and their immediate family, and the assigned judges, their staff and their immediate family.

What Documents Do You Need for an Apple Gift Card Settlement Claim?

Item	Examples
Personal information	Name, email and mailing address
Identification	Valid government-issued ID
Purchase proof	Receipt, bank or credit card statement, transaction screenshot
Apple report	Apple Support emails, chat logs or call confirmation screenshots
Retailer report	Store communications or fraud-report reference
Bank or card report	Chargeback communications or bank correspondence
Police or government report	Police confirmation or a communication with a recognized government fraud-reporting authority

No sworn affidavit or long written explanation is needed. If you never contacted Apple, the claim form lets you say so, and you should still provide proof of a report through another accepted channel.

How Do You File an Apple Gift Card Settlement Claim Before February 20, 2027?

1. Go to the official website. Open giftcardsettlement.ca and use the file claim option. Avoid sites that charge fees or promise payment.
2. Confirm eligibility. Check the card type, the purchase period, the unknown third party, and that you were not fully compensated.
3. Enter your information. Provide your name, email, mailing address and valid government ID.
4. Upload purchase evidence. Receipts, statements or screenshots showing the purchase.
5. Provide evidence of the fraud report. Include communications with Apple, the retailer, your bank, the card company, police or a government fraud authority, and say accurately whether you contacted Apple.
6. Submit before the deadline. Keep your confirmation and copies of what you sent.
7. Respond to follow-up requests. The FAQ says claimants get at least 30 days to respond to requests for more information. If a claim is rejected, the administrator must explain why, and you can request an appeal within 30 days of the notice. The appeal is decided on the documents already submitted, with no new documents allowed.

When Will Apple Gift Card Settlement Payments Be Sent?

No payment date has been announced. The administrator will pay approved claims as soon as practicable after evaluations and any appeals are finished. February 20, 2027 is a claim deadline, not a payment date.

Payments go by electronic transfer to the email address provided, or by cheque if no email was provided or the claimant chooses a cheque. CAD $2 is deducted from cheque payments to cover the cost of issuing them.

Can You Still Opt Out or Object to the Ferracci v. Apple Settlement?

No. Those deadlines have passed.

Legal option	Deadline	Status
Opt out	August 28, 2026	Closed
Written comments or objections	August 31, 2026	Closed
Court approval	September 16, 2026	Approved
File a claim	February 20, 2027	Open

The approval order records that no written objections were received, though the court considered two written comments, and that there were two valid opt-outs. People who did not validly opt out are bound by the settlement and generally cannot opt out later without the court’s permission. That matters for anyone who was thinking about suing Apple individually over covered losses. The action is to be dismissed with prejudice on the settlement’s effective date.

Which Ontario and Canadian Laws Apply to the Apple Gift Card Class Action?

1. Class Proceedings Act, 1992 (Ontario)

The case proceeds under this Act. Under section 29, a settlement of a class proceeding is not binding unless the court approves it, and an approved settlement binds class members who did not opt out. Section 32 requires court approval of class counsel’s fee agreements, which is why Justice Glustein reviewed the CAD $250,000 fee. Section 9 gives class members the right to opt out.

2. Negligence, breach of contract and unjust enrichment

These common-law and equitable claims were pleaded against Apple. The plaintiff alleged Apple could have done more to detect and reverse fraudulent redemptions. Apple denies this, and no court decided it.

3. Consumer protection legislation

The claim relied on consumer protection statutes, which generally regulate unfair practices in consumer transactions. No court ruled on this claim either.

4. Competition Act, section 36

Section 36 of the federal Competition Act lets a person claim damages for conduct contrary to Part VI of the Act. The plaintiff pleaded the Competition Act, but the settlement resolves it without a finding.

5. Reporting scams

If you were scammed, reporting it to your local police and the Canadian Anti-Fraud Centre (1-888-495-8501) creates a record that may also help with a claim.

For other settlement coverage, see Vanilla Gift Card $1.53M California Restitution Settlement, Who Can Claim and How Much?, which involves alleged unauthorized transactions on tampered prepaid cards in California. See also T-Mobile $200 Gift Card Lawsuit 2026, Class Action Filed Over Unfulfilled Promotional Promise, about unfulfilled promotional gift cards, and $8.7M CRA Data Breach Class Action Settlement, 47,000 Canadians May Qualify for Up to $5,000 for another Canadian class action. These have separate eligibility rules, administrators and deadlines.

Apple Gift Card Settlement Canada: Important Dates

Date	Event
January 1, 2016	Start of the eligible purchase period
August 7, 2020	Statement of Claim issued
October 21, 2025	Settlement Agreement dated
May 28, 2026	Certification for settlement purposes and notice plan approved
August 28, 2026	Opt-out deadline
August 31, 2026	Objection and comment deadline
September 16, 2026	Court approves the settlement
October 23, 2026	Claims period opens
February 20, 2027	Final claim deadline

Frequently Asked Questions About the Apple Gift Card Settlement in Canada

What is the deadline to claim?

February 20, 2027. Paper claims must be postmarked by that date.

How much is the settlement?

CAD $1,250,000, all-inclusive of fees, taxes and administration costs.

How much will I get?

It varies. Seventy-five percent of the remaining funds goes to verified Apple-contact claims in proportion to loss, and 25% is split equally among other eligible claims.

Do I have to have contacted Apple?

No, but you need proof that you reported the fraud, such as a report to a retailer, bank, card company, police or a government fraud authority.

Which gift cards are covered?

iTunes, App Store and Apple Music gift cards.

Are Google Play, Amazon or Visa gift card scams covered?

No.

Can I opt out now?

No. The opt-out deadline was August 28, 2026.

How will I be paid?

By email transfer, or by cheque with a CAD $2 deduction.

Who runs the claims process?

Verita Global, the court-appointed administrator, at 1-888-808-3269 or through the official website.

Did Apple admit wrongdoing?

No. Apple denies wrongdoing and the settlement is not an admission of liability.

What if my claim is rejected?

The administrator must explain why, and you can ask for an appeal within 30 days. No new documents can be added to the appeal.

Is the claim free?

Yes. The administrator provides help free of charge, and you should avoid anyone who asks for a fee.

Official Settlement Website and Contact Information

• Official settlement website: giftcardsettlement.ca
• Documents and claim form: giftcardsettlement.ca/documents.aspx
• Class counsel: Sotos LLP, Apple (iTunes) Gift Cards Class Action
• Phone: 1-888-808-3269
• Mail: Verita Global, Apple Gift Card Administrator, PO Box 3355, London, ON N6A 4K3

Sources and Court Documents

1. Official settlement website: giftcardsettlement.ca
2. Official settlement FAQ
3. Ontario Superior Court of Justice: Settlement Approval Order, September 16, 2026
4. Ontario Superior Court of Justice: Fee Approval Order, September 16, 2026
5. Statement of Claim, Ferracci v. Apple Inc. (August 7, 2020)
6. Schedule B Notice of Settlement
7. Apple Support: About Gift Card Scams

Case-number note: The approval order and settlement website use CV-20-645295-00CP. The 2020 Statement of Claim shows CV-20-00645295-00CP with extra leading zeros. This article uses the number from the approval order and settlement website.

Legal disclaimer: AllAboutLawyer.com is an independent legal information website, not a law firm. This is general information, not legal advice, and all amounts are in Canadian dollars unless stated otherwise.

Researched and written by Israr Ahmad, legal content researcher and founder of AllAboutLawyer.com. All facts verified against the official Notice, the Ontario Superior Court approval and fee orders, and the settlement website run by the administrator (giftcardsettlement.ca), as of November 2, 2026. Last Updated: November 2, 2026.