Capital One has agreed to a $190 million class-action settlement following a massive data breach that compromised the personal information of 98 million customers. If you were affected by the 2019 cyberattack, you may be eligible to receive up to $25,000 in compensation.
Here’s everything you need to know about the Capital One settlement, including eligibility requirements, payout amounts, deadlines, and how to file a claim.
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What Is the Capital One Data Breach Settlement?
In July 2019, Capital One revealed that hackers had gained unauthorized access to sensitive customer information, including:
- Names
- Addresses
- Social Security numbers (SSN)
- Bank account numbers
- Credit scores
Following a class-action lawsuit, Capital One agreed to pay $190 million in March 2021 to settle claims from American consumers who suffered financial losses due to the breach.
Although Capital One denies any wrongdoing, it has committed to compensating affected customers for their losses.
Who Is Eligible for the Capital One Settlement?
You are eligible for a settlement payout if:
You were a Capital One customer or credit applicant at the time of the breach (July 2019).
Your personal data was exposed, including name, address, SSN, or bank account number.
You incurred financial losses, such as fraud, identity theft, or security monitoring costs.
To check if you qualify, visit the Capital One Settlement website or call the Settlement Administrator at 1-855-604-1811 (toll-free).
How Much Compensation Can You Claim?
The amount you receive depends on your financial losses due to the breach.
| Compensation Type | Payment Amount |
|---|---|
| Out-of-pocket expenses (fraud, identity theft, etc.) | Up to $25,000 |
| Lost time spent resolving fraud-related issues | $25 per hour (up to 15 hours total) |
| No financial loss? You may still receive a small payout | $25 – $100 |
If you do not claim your digital payment by the deadline, a physical check will be mailed 2 to 4 weeks later.
How to File a Claim for the Capital One Settlement
Eligible claimants do not need to file a separate lawsuit. Instead, follow these steps to claim your payment:
Step 1: Confirm Your Eligibility
- If you received a settlement notice, you are eligible.
- If you are unsure, call the Settlement Administrator at 1-855-604-1811.
Step 2: Gather Supporting Documents
- Bank statements, fraud reports, or receipts (for financial loss claims).
- Proof of time spent resolving fraud-related issues (for lost time claims).
Step 3: Submit Your Claim
- Visit the official Capital One Settlement website.
- Fill out the claim form with your personal details and supporting evidence.
Step 4: Receive Your Payment
- Digital payments will be issued via EpiqPay.
- If funds are not transferred, a physical check will be mailed within 4 weeks.
When Will You Receive Your Settlement Payment?
March 27, 2025 – Last day to claim digital payments via EpiqPay.
April 2025 – Paper checks mailed to those who did not claim digital payments.
Payments typically processed within 2-4 weeks after the deadline.
How Will You Receive Your Money?
Payments will be sent electronically via EpiqPay. Eligible class members will receive an email from [email protected] with a Claim Payment link.
If the digital payment is not claimed, a paper check will be mailed 2-4 weeks later.
FAQs
1. How do I know if I qualify for a payment?
If you were a Capital One customer in 2019 and your personal data was compromised, you may be eligible. Check your eligibility online or call the Settlement Administrator at 1-855-604-1811.
2. How much will I receive?
Up to $25,000 for financial losses due to fraud or identity theft.
$25 per hour (for up to 15 hours) if you spent time resolving fraud-related issues.
A small payout ($25 – $100) for customers without financial losses.
3. How do I submit a claim?
Visit the Capital One Settlement website, fill out the claim form, and provide supporting documents if needed.
4. When will payments be sent?
Payments are expected to be sent starting in April 2025.
5. Do I need a lawyer to file a claim?
No, you do not need a lawyer. The class action settlement automatically includes all eligible claimants unless they opt out.
