Florida residents who were customers at Bank of America beginning in 2020 through the present have 11 days to file an exclusion request to opt out of a $500,000 settlement stemming from late-night debt collection messages.

Plaintiffs in the class-action lawsuit against Bank of America alleged the bank sent consumer account communications late at night. The plaintiffs argue this violated Florida's Consumer Collection Practices Act, a law that restricts certain conduct when attempting to collect consumer debts.

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The bank has adamantly denied the claims but agreed to a $500,000 settlement. Customers who file a claim can receive up to $500, and exact payments will vary based on the number of submitted claims.

Bank of America customers in Florida who received communications from the bank between 9 p.m. and 8 a.m. in their local time zone regarding debt collection from their accounts since April 20, 2020, are eligible for the settlement.

Eligible bank customers who wish to object to the settlement or be excluded must file through the mail by Dec. 12. An exclusion allows the customer to opt out of a settlement, while an objection tells the court they disagree with the settlement.

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A request for exclusion should include the case name; the name, address, and telephone number of the settlement class member; the email address or cellphone number that was sent a communication by the defendant; the personal signature from the class member requesting exclusion; and a statement that indicates the desire to be excluded from the settlement, such as, "I hereby request that I be excluded from the proposed Settlement Class.”

Customers must file a request for exclusion through the mail and cannot do it through the phone, email, or settlement website. A final approval hearing is set for Jan. 11, and the deadline to file a claim for the settlement is Jan. 26.