Nations Direct Mortgage has agreed to a class action settlement following a December 2023 cyberattack that exposed sensitive personal information. U.S. residents who received a notice from NDM may be eligible to claim up to $2,875 in cash and benefits. This post breaks down what you need to know and how to act.
Why is there a lawsuit?
The lawsuit alleged that Nations Direct Mortgage failed to adequately protect customer data, which allowed hackers to access private information, including:
Names, addresses, and phone numbers
Email addresses
Dates of birth
Social Security numbers
NDM denies wrongdoing but agreed to settle to avoid the costs and uncertainty of continuing litigation.
Who qualifies?
You are eligible if you:
Live in the United States
Received a notice from NDM stating your private information was affected by the December 2023 data breach
Additional eligibility:
California residents are part of a subclass and may receive an extra cash payment
Current or former NDM employees involved in the breach may also submit a claim
How much can people get?
Class members may claim one or more of the following:
Credit Monitoring Services – Two years of coverage including $1 million in identity theft insurance, credit monitoring, dark web scanning, and public records monitoring
Documented Losses – Up to $2,750 for out-of-pocket expenses such as:
Bank or credit card fees
Fees for credit reports or freezing/unfreezing credit
Postage for contacting banks
Unreimbursed fraudulent charges or identity theft losses
Lost Time – Up to 2 hours at $25/hour (max $50)
California Subclass Payment – One-time $75 cash payment
What Are Your Options?
| Option | What It Means | Deadline |
|---|---|---|
| Submit a Claim | Receive cash and/or credit monitoring. Must submit a valid claim form. | Jan. 7, 2026 |
| Opt Out | Exclude yourself, receive no payment, but retain the right to sue separately. | Dec. 23, 2025 |
| Object | Stay in the settlement but tell the Court why you disagree. You can still claim benefits. | Dec. 23, 2025 |
| Do Nothing | Receive no payment and give up your right to sue separately. | N/A |
How to File a Claim
Online: Use the official settlement website to submit your claim.
Mail: Download and complete the PDF claim form and send to:
NDM Data Breach Incident Settlement
c/o Settlement Administrator
P.O. Box 25226
Santa Ana, CA 92799-9958Email: Request a paper copy of the claim form from [email protected]
Required Proof:
Online claims: Use your unique ID and PIN from the notice
Documented loss claims: Include bank/credit card statements, receipts, invoices, or other proof of fraudulent charges
Payout Options: PayPal, Venmo, Zelle, virtual prepaid card, or paper check
This is your chance to claim up to $2,875 and credit monitoring following the NDM data breach. Don’t miss the deadlines.
