In one of the most significant cybersecurity breaches in financial history, Capital One exposed sensitive data of approximately 98 million individuals back in 2019. This breach compromised private details such as Social Security numbers, addresses, credit scores, and bank account information.
To compensate the affected, a $190 million Capital One class action settlement was approved. Victims were offered reimbursements for financial losses, lost time, and identity protection services — many of which are still active until 2028.
This blog post breaks down the complete Capital One bank settlement details, payout timelines, eligibility, and how to still claim available benefits — along with useful insights on related class actions like the Cash App class action settlement 2025 and Walgreens class action lawsuit.
What Happened in the Capital One Data Breach?
The breach was traced back to a former Amazon Web Services (AWS) employee who exploited a vulnerability in Capital One’s cloud infrastructure. Sensitive data of credit card applicants and customers was compromised.
Capital One Data Breach Settlement Benefits
Here’s what was leaked:
- Full names, addresses, and contact information
- Over 140,000 Social Security Numbers
- Nearly 80,000 bank account numbers
- Credit scores, limits, and payment history
Although no passwords or CVVs were exposed, the data breach made victims highly vulnerable to identity theft and financial fraud.
Capital One Bank Settlement Details and Legal Actions
Capital One faced major legal and regulatory consequences, including:
- A $190 million class action settlement to reimburse affected users.
- A $80 million fine from U.S. regulators due to inadequate security.
- Increased scrutiny over its data protection policies.
This led to a series of compensation phases, part of which are still active under the Capital One class action settlement 2025.
Who Was Eligible for the Capital One Settlement?
You were eligible if you:
- Held a Capital One credit card or banking account between September 1, 2015, and January 12, 2022.
- Were a U.S. resident during the breach.
- Could provide evidence of losses, or even if you simply wanted identity protection.
Claims had to be submitted before September 30, 2022 — but you can still access identity monitoring services.
Capital One Bank Settlement 2024 Payout Date & 2025 Updates
The Capital One settlement payments 2025 were distributed in phases. Here’s the complete payout timeline:
| Event | Date |
|---|---|
| Data Breach | 2019 |
| Settlement Approved | September 13, 2022 |
| Claim Submission Deadline | September 30, 2022 |
| First Payment Issued | September 28, 2023 |
| Second Payment Issued | September 4, 2024 |
| Identity Protection Ends | February 13, 2028 |
While direct payments are no longer being processed, the identity restoration and fraud monitoring benefits are still available.
What Did the Capital One Settlement Offer?
The Capital One bank settlement 2024 payout date released payments for:
1. Financial Compensation
- Out-of-pocket losses (up to $25,000): Unauthorized charges or security upgrade expenses.
- Lost Time: $25/hour for up to 15 hours.
- General Reimbursement: $50–$250 depending on claim volume.
2. Identity Theft Protection (Valid Through 2028)
- Credit monitoring
- Fraud alerts & insurance
- Identity theft restoration
Still Need Protection? How to Claim Remaining Benefits
You can still access free credit monitoring services provided under the Capital One class action settlement until 2028:
- Visit capitalonesettlement.com
- Log in using your Claim ID or registered email
- Enroll in available identity theft protection services
- Monitor your accounts regularly and report any suspicious activity
Related Class Action Settlements You Should Know About
While the Capital One case remains a landmark incident, it’s not the only one. Here are other major class action lawsuits affecting consumers in 2025:
- Cash App Class Action Settlement 2025 – Compensation for users affected by unauthorized access and data breaches on Cash App.
- Walgreens Class Action Lawsuit – Ongoing claims for customers regarding overpricing and prescription drug settlement cases.
- Depo-Provera Lawsuit – Compensation for individuals affected by side effects of the contraceptive.
The Capital One data breach settlement benefits were more than just a payout — they were a wake-up call to the financial industry. The need for advanced data security has never been greater, especially when identity fraud risks continue to rise.
✅ Were you affected by the breach?
✅ Have you claimed your benefits yet?
If not, there’s still time to protect your identity. Visit the official portal, check your eligibility, and enroll in the free monitoring service before 2028.