USAA Late Fee Litigation $5M Settlement
If USAA refunded your Maryland insurance late fees without interest or investment gains, you could automatically receive a cash payment or statement credit from a $5 million class action settlement. Review the details below and visit the official site to protect your rights.
Visit Official Settlement Website
Who qualifies?
You are part of the Settlement Class if all of the following are true:
- Charged a late fee by USAA General Indemnity Co., Garrison Property & Casualty, United Services Automobile Association, or USAA Casualty on a Maryland insurance policy before 2020.
- Received a refund of that late fee under Maryland Consent Order MIA-2020-08-002.
- Did not receive accrued interest and/or gains on the refunded amount.
Settlement benefits at a glance
- Fund size: $5,000,000.
- Payment method: Statement credit (current policyholders) or mailed check (former policyholders).
- No claim form needed: Eligible members are paid automatically if the Court approves the deal.
Your legal options & deadlines
- Do nothing: Receive automatic payment and give up the right to sue separately.
- Opt out: Deadline – March 30, 2026. Get no money but keep the right to sue USAA about these late fees.
- Object: Deadline – March 30, 2026. Tell the Court why you oppose the settlement yet still receive payment.
- Final approval hearing: April 28, 2026, 10 a.m. ET, U.S. District Court, Greenbelt, MD.
Estimated payment size
Your share depends on:
- The number and age of your late-fee charges.
- The total number of class members who remain in the case.
- Court-approved deductions for attorneys’ fees (up to $2 million), expenses, and service awards.
Any leftover funds will be donated to the Wounded Warrior Project and Face the Fight.
Key documents
Download Long-Form Notice (PDF)
Download Settlement Agreement (PDF)
Frequently asked questions
What is the USAA Late Fee Litigation about?
Plaintiffs claim USAA kept the interest and investment gains earned on late fees it later refunded to Maryland policyholders. USAA denies wrongdoing but agreed to settle to avoid further litigation risk.
Do I need to file a claim to get paid?
No. Payments are automatic for class members who do not opt out.
How will I receive my money?
Current policyholders get a statement credit; former policyholders receive a mailed check.
How do I opt out of the USAA Late Fee Litigation settlement?
Mail a signed exclusion request postmarked by March 30, 2026 to:
Black v. USAA, c/o JND Legal Administration, PO Box 91109, Seattle, WA 98111.
Where can I read court filings?
Public filings are available through the federal PACER system at ecf.mdd.uscourts.gov.
Need help?
Call the settlement administrator at 1-877-206-2306 or email info@USAALateFeeLitigation.com.
This article is for informational purposes only and does not constitute legal advice.