Crossroads Trading Data Breach Settlement, Check If You Qualify — Wright, et al. v. Crossroads Trading Co., Inc., No. 25CV479119

October 13, 2026. That’s your deadline to claim money from the Crossroads Trading data breach settlement — and it’s closer than it sounds. Crossroads Trading agreed to pay $600,000 to settle claims it failed to protect customer and employee data. Filing takes about five minutes.

Crossroads Trading Data Breach Settlement — Key Facts

Settlement Amount	$600,000
Claim Deadline	October 13, 2026
Who Qualifies	Roughly 60,041 U.S. residents notified of the February 15, 2025 data breach
Estimated Payout	$25 flat (no proof) or up to $5,000 (documented losses); $100 statutory add-on for California residents
Proof Required	No for the flat payment; Yes for documented-loss claims
Settlement Status	Preliminary approval granted June 15, 2026; final approval pending
Court & Case Number	Superior Court of California, County of Santa Clara — No. 25CV479119
Law Alleged	Negligence, breach of implied contract, unjust enrichment, California Consumer Privacy Act, Unfair Competition Law
Administrator	Kroll Settlement Administration LLC
Official Claim Site	crossroadssettlement.com
Last Updated	August 25, 2026

Who Is Crossroads Trading and Why Are They Being Sued Over This Breach?

Crossroads Trading is a secondhand clothing resale chain with stores across the U.S., which means it holds two very different kinds of sensitive data in the same systems — customer account information and employee HR records, including Social Security numbers. That combination is exactly why this breach hit both groups at once. Plaintiffs say the company didn’t have reasonable cybersecurity measures in place to protect either dataset.

What Happened in the Crossroads Trading Data Breach?

Crossroads Trading discovered a security incident on February 15, 2025, that compromised personal information belonging to customers and current and former employees alike — including Social Security numbers and other sensitive data. Two plaintiffs, Megan Koester and a plaintiff named Wright, filed separate lawsuits in April 2025 alleging Crossroads Trading failed to follow FTC guidelines and industry-standard data protection practices, and didn’t detect or disclose the breach quickly enough.

The lawsuits combined claims of negligence, breach of implied contract, unjust enrichment, and violations of the California Consumer Privacy Act and Unfair Competition Law. Crossroads Trading hasn’t admitted any wrongdoing — that’s standard in settlements like this — but agreed to put $600,000 into a settlement fund rather than fight the claims in court. A California Superior Court judge granted preliminary approval on June 15, 2026.

For a look at how a similarly sized California data breach settlement played out, see AllAboutLawyer.com’s coverage of the LA Financial FCU $725K data breach settlement.

Who Qualifies for the Crossroads Trading Data Breach Settlement?

Here’s exactly how to know if this case includes you.

• Customers whose account or payment information was stored by Crossroads Trading before February 15, 2025
• Current or former employees whose Social Security numbers were part of Crossroads Trading’s HR records
• Anyone who received an official notice letter about this specific breach
• People who lived in California at any point between February 15, 2025, and October 13, 2026 — they qualify for an added statutory payment

You likely don’t qualify if you never received a notice letter and Crossroads Trading’s records don’t show your information was involved — the settlement administrator can confirm your status if you’re unsure.

Crossroads Trading Data Breach Victims Outside California — Are You Still Covered?

Yes. This settlement covers U.S. residents nationwide, not just California. California residency during the class period simply adds an extra statutory payment on top of the standard benefits everyone else can claim.

Not sure if you qualify for the Crossroads Trading data breach settlement? A free consultation with a data privacy attorney can help you figure out whether your notice letter and situation fit the settlement class before the October 13 deadline.

How Much Can Crossroads Trading Data Breach Settlement Class Members Get? Up to $5,000 Per Person

Class members can choose between two main cash options. Documented losses — like identity theft costs, credit monitoring you already paid for, or bank fees tied to fraud — can be reimbursed up to $5,000 with proof such as receipts or bank statements. If you don’t have documented losses, you can instead claim an estimated $25 flat payment with no proof required. California residents during the class period can also claim an additional estimated $100 statutory payment. Everyone in the class can elect two years of free three-bureau credit monitoring regardless of which cash option they choose.

Here’s the honest math worth knowing: if all 60,041 class members filed for just the no-proof $25 payment, that alone would come to over $1.5 million — more than double the $600,000 fund. More filers means smaller checks. The $25 and $100 figures are estimates, not guarantees, and your actual payout will adjust up or down depending on how many people file and how many choose documented-loss claims instead.

Payments are typically sent by check or direct deposit after the settlement gets final approval. Payments over $600 may appear on a 1099 — check with a tax professional if you’re unsure how that affects your return.

How to File Your Crossroads Trading Data Breach Settlement Claim — Step by Step

1. Go to crossroadssettlement.com, the official court-authorized claim site.
2. Enter your name, email, and mailing address, plus any Class Member ID from your notice letter if you have one.
3. Choose your payout option — the no-proof flat payment, a documented-loss claim, or the California statutory payment if it applies to you.
4. Upload proof if you’re filing a documented-loss claim — receipts, bank statements, or records showing fraud or identity theft tied to this breach.
5. Submit your claim and save your confirmation number.
6. Watch your email — Kroll Settlement Administration may reach out if they need more information.

Takes about five minutes. The deadline is October 13, 2026 — worth filing sooner rather than later so you’re not scrambling if the online portal has issues close to the cutoff.

Should Crossroads Trading Class Members Opt Out or Object Before September 14, 2026?

What Opting Out of the Crossroads Trading Settlement Actually Means

Opting out means you get no payment from this settlement, but you keep your right to sue Crossroads Trading separately over the same breach. Most people shouldn’t opt out without talking to a lawyer first — it’s a bigger decision than it looks. The opt-out deadline is September 14, 2026.

How to Object to the Crossroads Trading Settlement

Objecting means you stay in the class but tell the court you disagree with some part of the deal — the amount, the attorneys’ fees, or something else. Objections must be mailed to Kroll Settlement Administration, postmarked by September 14, 2026, following the format described in the settlement notice.

Talk to a class action lawsuit attorney before September 14 if you’re considering either option.

Crossroads Trading Data Breach Settlement — Key Dates, 2026

Milestone	Date
Settlement Proposed	UNVERIFIED — exact agreement-signing date not independently confirmed
Preliminary Approval Granted	June 15, 2026
Opt-Out Deadline	September 14, 2026
Objection Deadline	September 14, 2026
Claim Filing Deadline	October 13, 2026
Final Approval Hearing	January 13, 2027
Expected Payment Date	UNVERIFIED — typically follows final approval and any appeal period

Crossroads Trading Data Breach — Frequently Asked Questions, No. 25CV479119

Do I need a lawyer to file a Crossroads Trading data breach settlement claim? 

No. The online claim form at crossroadssettlement.com is designed to be filed without an attorney, and takes about five minutes.

Is the Crossroads Trading settlement legitimate?

 Yes. It’s court-authorized, supervised by class counsel, and administered by Kroll Settlement Administration — a company that handles class action claims for courts nationwide.

When will Crossroads Trading settlement payments be sent? 

Payments typically go out after the Final Approval Hearing, scheduled for January 13, 2027, and after any appeal period has passed.

What if I missed the Crossroads Trading claim deadline? 

Contact Kroll Settlement Administration directly at (833) 930-0258. Late claims aren’t guaranteed, but it’s worth checking before assuming you’re out of options.

Will my Crossroads Trading settlement payment go on a 1099?

Payments over $600 may be reported. Check with a tax professional about how a settlement payment affects your specific return.

Can I file if I was both a customer and an employee affected by the breach?

 Contact the settlement administrator to confirm how your specific notice letter and records should be handled — most claims are tied to a single Class Member ID.

Does the settlement treat California residents differently?

 Yes. California residents during the class period can claim an additional estimated $100 statutory payment on top of the standard settlement benefits.

What if I never received a notice letter but think my information was affected?

 Contact Kroll Settlement Administration at (833) 930-0258 to check whether your information appears in Crossroads Trading’s breach notification records.

Sources Used in This Crossroads Trading Data Breach Article

• Official Settlement Website — Kroll Settlement Administration LLC
• Important Case Documents Page — Claim Form, Settlement Agreement, Preliminary Approval Order, Long Form Notice
• Frequently Asked Questions — crossroadssettlement.com

Researched and written by Israr Ahmad, legal content researcher and founder of AllAboutLawyer.com. All facts verified against the official settlement website and case documents on August 25, 2026.

This article is for informational purposes only and does not constitute legal advice. Laws vary by state and individual circumstances differ. For advice about your specific situation, consult a qualified attorney.

Last Updated: August 25, 2026