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Current and former customers who received a mailed notice from Universal Lenders in early 2026 informing them a November 2024 data breach may have compromised their personal information could qualify to submit a claim for up to $2,500 and free credit monitoring from a class action settlement.
Universal Lenders LLC agreed to settle a class action lawsuit alleging a targeted cyberattack exposed sensitive customer data, including names, Social Security numbers, financial account numbers and driver’s license numbers. The data incident impacted approximately 19,575 individuals
Who can file a claim for a data breach payout?
Class members are individuals who received a notice from Universal Lenders LLC stating a November 2024 data breach potentially compromised their private information.
How much will the settlement payment be?
Class members have the following benefit options:
- Expense reimbursement: Class members can claim up to $2,500 for documented out-of-pocket expenses related to the data breach. This may include costs for credit report copies, credit freezing fees, card replacement fees, bank or credit card fees, interest and fees on payday loans related to the data breach and other incidental expenses.
- Alternative cash payment: Class members who do not submit an expense reimbursement claim can submit to receive a one-time $50 payment.
- Credit monitoring: All class members can elect to receive three years of single-bureau credit monitoring services, which includes $1 million in identity theft insurance, real-time credit file monitoring, dark web scanning and public records monitoring.
How to claim a class action rebate
To receive a settlement payment, class members can file a claim online or download and print a PDF claim form to complete and mail or email to the settlement administrator.
Settlement administrator's mailing address: UL Data Breach Settlement, c/o Settlement Administrator, P.O. Box 25226, Santa Ana, CA 92799-9958
Settlement administrator's email address: info@ULDataSettlement.com
The claim deadline is April 13, 2026.
Required proof and claim information
- To submit an online claim, class members must provide the unique ID and PIN from the settlement notice they received.
- To submit an expense reimbursement claim, class members must provide supporting documentation, which may include receipts, invoices, bank or credit card statements showing unreimbursed fees or fraudulent charges and other proof of expenses or fraud and identity theft.
Payout options
- Electronic payment (online claims only)
- Paper check mailed to the address provided
Data breach settlement breakdown
The settlement fund will include:
- Settlement administration costs: To be determined
- Attorneys' fees and costs: $200,000
- Service awards to class representatives: $1,500 each
- Credit monitoring: Cost determined by number of claims filed
- Payments to approved claimants: Total determined by number and types of claims filed
Important dates
- Opt-out deadline: March 14, 2026
- Deadline to file a claim: April 13, 2026
- Final approval hearing: April 21, 2026
When is the Universal Lenders data breach settlement payout date?
The settlement administrator will issue payments and credit monitoring information to approved claimants approximately 75 days after the court grants final approval or within 30 days of claim processing completion, whichever is later.
Why did this class action settlement happen?
This class action lawsuit alleged Universal Lenders LLC failed to adequately protect private information during a targeted cyberattack in November 2024. According to the plaintiffs, the data breach resulted in unauthorized access to files containing sensitive data, including names, Social Security numbers, financial account numbers and driver’s license numbers.
Universal Lenders LLC denies any wrongdoing but agreed to settle to avoid the expense and uncertainty of continued litigation.
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