Ox Car Care Lawsuit Payout: Shutdown, Past Wins, and Options

If you are trying to recover money from an Ox Car Care lawsuit, payout prospects are poor. The Irvine, California vehicle service contract company confirmed in a May 14, 2026 response to the Better Business Bureau that it is “closed down and no longer in business,”¹ no class action settlement has been publicly announced in any case against it, and at least one consumer who already won a judgment reports being told there is no money to collect.²

The Company Is Shut Down

The BBB listed Ox Car Care as “out-of-business” as of February 2, 2026.³ By mid-2026, new complaints against the company were being marked “Unpursuable” by the BBB, a label used when the bureau cannot locate a business to forward a complaint to. That closure matters for anyone owed money. Ox Car Care was structured so that the company itself was both the “Obligor” — the entity financially on the hook for claims — and the “Administrator” of its own service contracts.⁴ When the obligor disappears, there is no separate insurer standing behind the contract to pay out.

The company’s May 2026 BBB response also stated that customer accounts had been transferred to a third-party entity called Camelback. Whether Camelback is honoring existing contracts, processing claims, or issuing refunds is not clear from available records.¹ If you were told your account moved to Camelback, that is currently your only lead, and it is worth pursuing in writing to create a paper trail.

The Lawsuits and What They Can Pay

Ox Car Care has been named as a defendant in at least three federal lawsuits in the U.S. District Court for the Central District of California, all brought under the Telephone Consumer Protection Act. TCPA violations carry statutory damages of $500 to $1,500 per call, which is why the cases exist. None of them has produced a public settlement.

The most recent is Lopez v. Ox Car Care, a class action filed January 28, 2026 by Luis Lopez and other plaintiffs, assigned to Judge John W. Holcomb, with plaintiffs represented by Strauss Borrelli.⁵ It was filed only weeks before the company publicly acknowledged shutting down. The case is in its early stages, and any judgment or settlement would face the same collection problem individual consumers already report.

Green v. Ox Car Care, filed by Jennifer Green in 2020 and transferred from Texas to the Central District of California in July 2021, remains active before Judge David O. Carter on TCPA claims.⁶ An earlier TCPA case, Shah v. Ox Car Care, brought by Syed Shah and Nikita McIntire in November 2020, was voluntarily dismissed without prejudice in October 2021 with no public settlement on the docket.⁷

If you received unsolicited telemarketing calls from Ox Car Care and want to join or monitor the Lopez class action, Strauss Borrelli is the firm to contact. Being part of a certified class does not guarantee a payout; it guarantees a share of whatever the class actually recovers, which in the case of a defunct defendant may be nothing.

What Happened to People Who Already Won

Winning against Ox Car Care and collecting from Ox Car Care are two different things. One consumer reported on ConsumerAffairs that they obtained a $12,658 judgment against the company after it refused to cover an engine repair. According to that consumer, company executives told them there was “no money to collect” and that the business was moving toward Chapter 7 bankruptcy.² That is the practical reality anyone with a live claim, denied claim, pending refund, or court judgment against Ox Car Care is now facing.

Options if You Are Owed Money

Normal channels — calling customer service, filing a BBB complaint, waiting on a refund — are largely closed. Consumers still owed refunds, claim reimbursements, or court money have a few realistic avenues to consider:

Request a chargeback from your bank or credit card issuer for unauthorized or recent charges. Consumers reported Ox Car Care continuing to withdraw monthly payments after contract terms ended, in one case $137.92 per month for five months past the contract, totaling $689.60. Chargebacks have time limits, so move quickly.²
If you already have a judgment, use your state’s judgment enforcement procedures (writs of execution, bank levies, liens). These only work if the company or a successor still holds assets that can be identified.
Consult an attorney about whether a successor entity — including Camelback — or any individual officer could be held responsible. Ox Car Care’s leadership included CEO Mike Mardaresco, President Kathy McDonald, and Controller Ellie Skuqi. Personal liability is unusual, but not impossible where a corporation has been dissolved and assets moved.³
Preserve documentation. Keep contracts, payment records, denial letters, and any correspondence referencing Camelback. If a bankruptcy is eventually filed, creditors need proof of what they are owed.

Ox Car Care’s own contract language stated its service contracts were “NOT A POLICY OF INSURANCE.”⁴ That distinction matters now: unlike a licensed insurer, this company was not backed by a state insurance guaranty fund, so there is no regulatory pool to step in and pay claims when the company fails. Whatever you recover will come from what remains of the company itself, from a successor if one can be established, or from a chargeback through your own bank.

1
BBB. Ox Car Care Complaints
2
ConsumerAffairs. Ox Car Care Reviews
3
BBB. Ox Car Care BBB Business Profile
4
Ox Car Care. Ox Diamond Vehicle Service Contract
5
Law360. Luis Lopez et al v. Ox Car Care, Inc.
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Trellis Law. Jennifer Green v. Ox Car Care, Inc.
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CourtListener. Syed Shah v. Ox Car Care, Inc.