Capital One Bank Settlement 2025: Know Amount, Eligibility & Payment Dates

As technology is advancing in today’s world, data breaches have become very common. When U.S. Capital One Bank became the victim of possibly the largest banking data breach in history, it gained the attention of the entire country. This data breach affected approximately 100 million Americans. In 2019, Capital One Bank revealed that it had suffered one of the biggest data breaches in recent banking history.

Now, in 2025, the aftermath of this breach is finally coming to a conclusion, with lots of payments being made, services provided, and a stronger commitment to protecting sensitive data. In this article, we will see what the Capital One Bank Settlement was and what its current status is.

Capital One Bank Settlement 2025

The Capital One Bank data breach in 2019 is considered one of the most significant breaches in the history of the financial industry. It exposed sensitive personal information, including social security numbers, names, addresses, bank account details, and credit card information of around 98 million people.  As a response to the breach, Capital One, in 2022, agreed to a  $190 million settlement to compensate affected people and improve security protocols. This settlement gives them improved identity protection services and financial compensation.

As per this settlement, affected people can receive compensation of up to $25,000 for documented losses such as identity theft, fraud, or data protection costs. People can also get the reimbursement of time upto 15 hours lost due to the breach at a rate of $25 per hour. The goal of that settlement is to compensate victims and improve data security in the future. Affected individuals may check on the Capital One Settlement Payment Status on the website https://www.capitalonesettlement.com/en. 

Capital One Class Action Settlement 2025 Overview

Bank Name	Capital One Bank
Name of Program	Capital One Bank Settlement
Country	USA
Settlement Amount	$190 million
Affected clients	98 million
Identity Protection Services Available	Until 2028
Security Improvements Duration	Minimum two years
Category	Government Aid
Official Website	https://www.capitalonesettlement.com/

Eligibility Criteria for the Capital One Settlement

To receive compensation from the Capital One Settlement, an individual had to meet the following eligibility requirements.

• You should have had a Capital One account or credit card from September 1, 2015, to January 12, 2022.
• You must have been residing in the United States during the 2019 Capital One breach.
• You will need to show financial loss or identity theft due to the breach.
• You are required to submit a complete claim form along with proof documents before September 30.

Capital One Settlement Payment Details

In 2019, Capital One Bank suffered a cybercrime attack in which the personal information of 98 million users was hacked. The breach compromised sensitive information such as social security numbers, credit scores, bank accounts, and debit and credit cards. Capital One agreed to the $ 190 million settlement for those who suffered from the incident. People who meet the eligibility criteria can receive up to $25,000 in claims depending on the loss incurred.

The settlement was finally approved on September 13th, 2022. The deadline for submitting the claims was September 30th, 2022. Payments were processed to the claimants meeting the qualifying criteria on September 28th, 2023. Those who had already received their first round of payments received a second installment on September 4, 2024. These payments were part of the settlement to compensate people for any financial loss or inconvenience caused by the data breach.

At this time, all payments have been completed, and no additional claims or payment reissues will be processed. All uncashed checks are now considered void and will not be reissued. As per the settlement, Along with financial compensation, Capital One is required to continue improving its security systems and processes for two years to prevent future breaches and protect customer details.

Identity Defense and Restoration Services

As a part of the Capital One settlement, affected people not only got financial compensation but were also offered free Identity Defense Services and Restoration Services. These services are provided to eligible customers at no charge until 2028. This will help customers in managing their personal information and privacy.

The Identity Defense Services include useful services such as credit monitoring, alerts for suspicious activity, fraud resolution support, and access to identity theft consulting. These services offer customers guidance to recover their personal and private information as well as take help if identity theft occurs. Customers using these services may feel protected and take additional proactive measures to protect their personal information.

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