In one of the biggest data breach settlements in U.S. banking history, Capital One has agreed to a $190 million class-action settlement following the 2025 data breach that exposed personal information of millions of customers. If you were a Capital One customer between 2015 and 2022, you may be eligible to receive up to $25,000 in compensation. Let’s break down everything you need to know in simple terms.
Capital One Bank Settlement 2025
What Happened?
Back in July 2019, Capital One revealed a massive data breach that compromised the sensitive information of over 98 million Americans, including:
Full names
Addresses
Credit scores
Social Security Numbers (SSNs)
Linked bank account numbers
This incident sparked a legal battle that led to a $190 million class-action settlement in 2022. The claim window remains open into 2025, and you may still be eligible to get compensated.
What Is the Capital One Settlement?
The settlement aims to compensate Capital One customers who faced:
Out-of-pocket losses (fraud charges, legal fees, credit monitoring, etc.)
Time spent resolving identity theft or data breach-related issues
Reimbursement for identity protection services purchased due to the breach
Who Is Eligible?
You may qualify for payment if:
1. You were a Capital One customer between September 1, 2015, and January 12, 2022
2. Your data was compromised in the 2019 breach
3. You faced expenses, losses, or time-consuming disruptions from the breach
How Much Can You Claim?
You can receive up to $25,000, depending on:
The money you lost due to fraud
Time spent resolving related issues (up to 15 hours at $25/hour)
Proof of identity theft protection service costs
What Do You Need to File a Claim?
To make a valid claim, you may need to submit:
Receipts or documents showing out-of-pocket losses (bank statements, emails, fraud reports)
Time logs if claiming lost time due to breach-related actions
Proof of Capital One account activity during the affected period
How to File a Claim (Step-by-Step)
1. Visit the Official Settlement Website
Go to capitalonesettlement.com
2. Click on “File a Claim”
Enter your Claim ID or your contact details.
3. Upload Documentation
Attach receipts, invoices, or logs that prove your losses.
4. Submit Before the Deadline
The last date to file is January 21, 2025.
What If You Don’t File a Claim?
Even if you don’t apply for compensation, you still get free identity protection services provided by Capital One:
Identity Defense & Restoration Services (until February 13, 2028)
Access to fraud resolution assistance and identity monitoring
When Will You Get Paid?
First round of payments began in September 2023
Second round is expected in September 2024
Final payouts will likely follow after the January 2025 deadline
Watch for emails from EpiqPay.com – the official payment provider for this settlement.
Final Words
The Capital One Settlement 2025 is a rare chance to claim compensation for the trouble caused by a major data breach. If you think you were affected, don’t miss the January 21, 2025 deadline. Take 10 minutes today to check your eligibility and file your claim.
FAQs: Capital One Data Breach Settlement 2025
Q1. What is the last date to claim settlement money?
A. January 21, 2025
Q2. How much can I receive from the Capital One settlement?
A. Up to $25,000 depending on documented losses and time.
Q3. I don’t have losses but had an account. Can I still benefit?
A. Yes, you’ll still receive free identity protection until 2028.
Q4. Where do I claim the money?
A. Visit www.capitalonesettlement.com and file online.
Q5. What if I missed the first payment round?
A. Payments are going out in multiple rounds. You can still claim if you file before the deadline.