FTC Refunds Issued in June 2026, Who’s Getting Paid?

Check your mailbox. In June, the Federal Trade Commission sent refund checks tied to four active enforcement cases — a mortgage relief scam, an auto warranty telemarketer, a merchant cash advance operator, and a student loan debt relief scheme. Here’s exactly who qualifies and what to do if a check shows up.

FTC Refunds Issued in June 2026 — Key Facts

Program	Amount	Recipients	Round
Golden Home Services (Home Matters USA)	Nearly $3 million	1,821 checks	First
American Vehicle Protection	Over $186,000	9,074 checks	Second
Yellowstone Capital	Over $549,000	3,759 checks	Third
American Financial Benefits Center	UNVERIFIED — listed active for June 2026 on FTC’s index; program’s detail page still shows prior disbursement figures	See note below	Second
Administrator	JND Legal Administration, Analytics Consulting, Epiq Systems (varies by program)	—	—
Check Cashing Window	90 days from mailing	—	—
Last Updated	July 13, 2026	—	—

Golden Home Services (Home Matters USA) — Nearly $3 Million to Mortgage Scam Victims

Golden Home Services ran a mortgage relief scam under a rotating cast of names — Academy Home Services, Amstar Service Group, Home Matters USA, and more — falsely promising to lower homeowners’ mortgage payments and stop foreclosures. The FTC and California’s Department of Financial Protection and Innovation sued, and a judgment ordered the operation to pay up. Now the FTC is mailing 1,821 checks totaling nearly $3 million, with about half going to California residents. Many victims were veterans or senior citizens.

That’s real money reaching people who were told their mortgage crisis was already solved — and instead paid a stranger for nothing.

Contact: JND Legal Administration, 1-833-674-0067

American Vehicle Protection — Second Round for Auto Warranty Buyers

American Vehicle Protection sold expensive “bumper-to-bumper” extended auto warranties through illegal robocalls, often pretending to represent car dealers or manufacturers. The FTC banned the operation from selling extended warranties and secured money for refunds. The first round of checks went out in October 2024, totaling more than $223,000. Because money remains in the fund, the FTC is now sending 9,074 more checks worth over $186,000 to people who cashed their first payment.

Contact: 1-833-889-7400

Related article: Call-On-Doc Tracking Pixel Settlement, Check If You Qualify — Lucas v. Call-On-Doc, No. 2026LA000403

Yellowstone Capital — Third Round for Small Businesses

Yellowstone Capital, a merchant cash advance company, allegedly kept pulling money from small business bank accounts even after those businesses had fully repaid what they owed under their contracts. The FTC sued in 2020. Checks first went out in June 2022, then again in August 2024, totaling more than $9.1 million so far. This is round three — 3,759 more checks worth over $549,000 to businesses that cashed their earlier payments.

Three separate rounds over four years — that’s how long it can take for a merchant cash advance case to fully pay out.

Contact: 1-855-604-1861

American Financial Benefits Center — Listed as Active, Details Unclear

FTC’s refund index lists American Financial Benefits Center as an active program for June 2026, but the program’s own case page still displays figures from its most recent confirmed round — 16,339 payments worth more than $870,000 to people who paid the student loan debt relief operator more than $430 and already cashed a first check. That earlier round followed an August 2023 distribution of more than $8.1 million. We’re flagging this discrepancy rather than guessing at new June-specific numbers. Check the program page directly for the latest status.

Contact: 1-833-579-3126

What to Do If You Get a Check

• Cash any FTC refund check within 90 days — checks expire, and unclaimed funds get transferred to state unclaimed property programs
• Accept a PayPal payment within 30 days or you may forfeit it
• The FTC will never ask you to pay a fee, provide your bank account number, or “verify” your identity to release a refund
• If someone claiming to be from the FTC asks for money, that’s a scam — report it at ReportFraud.ftc.gov

If you think you’re owed money but haven’t been contacted, most of these programs identify recipients directly from company records — there’s usually no separate claim form to fill out. Contact the refund administrator listed above for your specific case.

For a look at what came before, see our breakdowns of FTC Refunds Issued In January 2026 and FTC Refund Checks February 2026.

FTC Refunds Issued in June 2026 — Frequently Asked Questions

Do I need to file a claim to get an FTC refund check?

 Usually no. For most FTC refund programs, including Golden Home Services and Yellowstone Capital, the agency identifies eligible recipients directly from the defendant’s business records and mails checks automatically.

What if I never cashed my first Yellowstone Capital or American Vehicle Protection check?

 These second- and third-round payments only go to people who already cashed an earlier check. If you missed your first payment, contact the administrator directly to ask about your status.

Is the Golden Home Services refund legitimate?

 Yes. It comes from a joint FTC and California Department of Financial Protection and Innovation judgment against Golden Home Services and related entities, administered by JND Legal Administration.

Will my FTC refund check affect my taxes? 

Possibly, if your total payments exceed reporting thresholds. Check with a tax professional about your specific situation.

What happens if my refund check expires?

 If you don’t cash a check within 90 days, the money is typically returned to the fund or eventually transferred to state unclaimed property programs. Contact the administrator before the deadline if you have questions.

Can I still get scammed by someone posing as an FTC refund administrator?

 Yes — this is common. The FTC never requires payment, banking details, or a “processing fee” to release a refund. Verify any contact against the phone number listed on the official ftc.gov program page.

Sources Used in This Article

• FTC — Golden Home Services Settlement: https://www.ftc.gov/enforcement/refunds/golden-home-services-settlement
• FTC — American Vehicle Protection Refunds: https://www.ftc.gov/enforcement/refunds/american-vehicle-protection-refunds
• FTC — Yellowstone Capital Refunds: https://www.ftc.gov/enforcement/refunds/yellowstone-capital-refunds
• FTC — American Financial Benefits Center Refunds: https://www.ftc.gov/enforcement/refunds/american-financial-benefits-center-refunds
• FTC — Press Release, June 9, 2026: https://www.ftc.gov/news-events/news/press-releases/2026/06/ftc-returns-nearly-3-million-consumers-deceived-mortgage-relief-scheme
• FTC — Master Refund Programs Index: https://www.ftc.gov/enforcement/refunds

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.