Were you a Capital One customer between 2015 and 2019? If so, you might be entitled to a share of the $190 million class action settlement resulting from the 2019 data breach. This guide walks you through everything you need to know, from eligibility to filing your claim before the March 15, 2025 deadline.
Overview
The Capital One data breach in 2019 revealed the personal and financial information of over 100 million customers. As a result, Capital One agreed to a $190 million class action settlement in 2025 to compensate affected individuals. Here’s a quick summary:
| Topic | Details |
|---|---|
| Settlement Amount | $190 million |
| Eligibility | Capital One customers affected by 2019 data breach |
| Claim Deadline | March 15, 2025 |
| Payment Date | Expected by mid-2025 |
| How to File | Online or via mail |
| Official Website | Capital One Settlement Site |
If you were impacted, don’t miss the deadline—this could be your chance to recover losses and get financial relief.
Lawsuit
In 2019, hackers exploited a security flaw in Capital One’s cloud system, gaining access to sensitive customer data, including:
- Social Security numbers
- Bank account details
- Credit scores
- Personal information
This breach led to lawsuits from customers and consumer protection groups. After years of legal battles, Capital One agreed to settle for $190 million, covering financial losses, identity theft damages, and security expenses.
Eligibility
You may be eligible if:
- You had a Capital One account (credit card, checking, or savings) between 2015 and 2019.
- Your personal information was compromised in the 2019 data breach.
- You suffered financial losses due to fraud, identity theft, or additional security expenses.
Both individual and business account holders affected by the breach can apply.
Claim
Follow these simple steps to secure your payout:
Verify Eligibility
Visit the official settlement website and enter your details to check if you qualify.
Collect Supporting Documents
Gather any documents that prove:
- You had a Capital One account (account statements, emails, or bank records).
- Financial losses due to the breach (fraud reports, identity theft complaints, receipts for credit monitoring services).
Submit Your Claim
- Online: Fill out the claim form on the official website.
- By Mail: Download, print, and mail the form to the address provided.
Double-check all information to prevent delays.
Wait for Processing
Once submitted, you will receive a confirmation email or letter. Payments are expected by mid-to-late 2025.
Payment
The payout varies based on:
- The number of claims filed
- Your documented financial losses
- Legal and administrative fees deducted from the total fund
Potential payouts could range from $25 to several hundred dollars, depending on individual claims. Those with significant financial harm may receive higher compensation.
When Will Payments Arrive?
| Stage | Estimated Timeline |
|---|---|
| Claim Deadline | March 15, 2025 |
| Processing & Approval | March – June 2025 |
| Expected Payout Date | Mid-to-late 2025 |
Security
Even if you receive compensation, it’s crucial to safeguard your personal information. Consider these security measures:
- Freeze your credit with major bureaus to prevent unauthorized loans.
- Monitor your credit report regularly for unusual activity.
- Enable two-factor authentication on banking and financial accounts.
- Use identity theft protection services to detect fraud early.
The Capital One class action settlement is a major step in holding financial institutions accountable for data security. If you qualify, take action before the deadline and claim your rightful compensation.
FAQs
Who qualifies for the settlement?
Customers with Capital One accounts from 2015-2019 affected by the 2019 data breach.
How do I file a claim?
Submit online through the official website or by mailing a printed form.
How much will I get?
Payouts range from $25 to several hundred dollars, depending on losses.
When is the claim deadline?
The deadline to file a claim is March 15, 2025.
When will payments be issued?
Payments are expected by mid-to-late 2025 after processing is complete.
