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Lowndes Bancshares Inc dba Farmers and Merchants Bank was the subject of a data breach notification filed with the NE Attorney General. The AG filing was recorded on July 7, 2025.
From the AG filing description
Lowndes Bancshares Inc dba Farmers and Merchants Bank appears to be a financial institution that provides banking and financial services to its customers. As part of normal operations, financial institutions typically collect and store sensitive consumer information such as Social Security numbers, account numbers, dates of birth, and financial account details. In 2025, the company officially reported a data breach to the Nebraska Attorney General regarding this security incident. If you received a data breach notification letter in the mail, it means your personal information may have been compromised in the incident. Please review your letter carefully for specific instructions and recommended steps to protect your identity.
Based on the data types reported in this filing:
Your SSN is the master key to your identity. Once exposed, criminals can open new lines of credit, take out loans, or file taxes in your name.
Combined with a name and other leaked data, date of birth helps criminals pass identity verification questions at banks and government agencies.
Home address exposure can enable mail theft, package fraud, and targeted phishing attacks that reference your known location.
You may have been affected by the Lowndes Bancshares Inc dba Farmers and Merchants Bank data breach if:
Common categories of compensation in data breach class actions
Courts recognize that the time spent monitoring accounts, placing credit freezes, and dealing with the aftermath of a breach has real economic value. This category of damages is recoverable even without direct financial loss.
Professional credit monitoring services cost $10–$40 per month. Identity theft restoration services, if needed, can cost hundreds of hours and thousands of dollars. Courts have awarded these costs as direct damages in SSN breach cases.
Direct financial losses resulting from the breach — unauthorized charges, fraudulent transfers, or fees incurred through fraud — are recoverable as compensatory damages. Banks may reverse some charges; a class action recovers the remainder and associated costs.
Several state data breach laws provide for statutory minimum damages — fixed amounts recoverable per affected individual regardless of actual loss. These provisions exist specifically to make legal action viable for victims who have not yet experienced direct harm.
Note: an attorney general breach filing does not by itself establish a settlement fund, a payment amount, or a claim deadline. If an official settlement notice is later issued, rely on that notice for payment details and deadlines.
Applicable State Law
This breach was reported under the Nebraska Financial Data Protection and Consumer Notification of Data Security Breach Act, which mandates notification and establishes your right to seek damages.
No. Under Nebraska Financial Data Protection and Consumer Notification of Data Security Breach Act and federal law, the unauthorized exposure of your personal data — regardless of whether it has been actively misused — can be sufficient grounds for a claim. The breach itself is the injury.
Nothing. The Law Office of David S. Harris handles data breach cases on contingency — you pay zero upfront and owe nothing unless compensation is recovered.
Immediately place a free credit freeze at all three bureaus (Equifax, Experian, TransUnion). A freeze blocks new accounts from being opened in your name. Then file a complaint with the FTC at IdentityTheft.gov and contact our office — SSN exposure is one of the most serious breach types.
Banks may reverse fraudulent charges, but they are not obligated to compensate you for time lost, stress, or indirect damages. A class action claim against the breached company can recover those additional categories of harm.
Statutes of limitations for data breach claims vary by state but typically run 2–4 years. Depending on when you learned of the breach, you may still have time. Contact our office for a free eligibility review — there is no cost to find out.
Accepting free credit monitoring from Lowndes Bancshares Inc dba Farmers and Merchants Bank does not waive your right to pursue legal action unless you signed a specific release waiving claims. In most cases, victims who accepted monitoring can still file.
Not necessarily. Many data breach victims are never notified directly. If your personal information was held by Lowndes Bancshares Inc dba Farmers and Merchants Bank during the relevant period, you may still qualify even without receiving a letter. A free eligibility review can confirm your status.
Received a notification letter from Lowndes Bancshares Inc dba Farmers and Merchants Bank?
Read our dedicated guide — what the letter means and what to do.
Learn how to participate in the class action and what compensation you may be entitled to.
Join the Class Action →Use our verification tool to confirm your letter matches this official AG filing.
Verify My Notice LetterThis case file references a public filing made with the state filing in NE. This website is not affiliated with, endorsed by, or operated by any state government agency.
Lowndes Bancshares Inc dba Farmers and Merchants Bank breach?
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