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Telegram GroupThe 2019 Capital One data breach, which exposed personal and financial information of nearly 98 million customers, remains one of the most significant cyberattacks in banking history. As of August 2025, the $190 million class action settlement continues to provide relief through identity protection services, even though cash payouts have concluded. This article delivers the latest updates on eligibility, past payment schedules, and how affected individuals can access ongoing support to safeguard their financial security until February 2028. Designed for clarity and accuracy, this guide ensures you have the information needed to navigate the settlement’s remaining benefits.
Capital One Bank Settlement 2025
In 2019, hackers accessed sensitive data, including Social Security numbers, bank account details, and credit information, putting millions at risk of fraud and identity theft. Capital One settled the resulting class action lawsuit in December 2021 for $190 million to compensate affected customers and fund protective measures. The bank also faced a separate $80 million regulatory penalty for insufficient security practices. While monetary distributions are complete, the settlement’s identity protection and restoration services continue to support victims, reflecting a broader push for stronger data security in the financial sector. These services are critical for those still managing the breach’s long-term effects.
Capital One Class Action Settlement Overview
| Detail | Information |
|---|---|
| Institution | Capital One |
| Settlement Type | Data Breach Class Action |
| Country | United States |
| Settlement Amount | $190 million |
| Breach Year | 2019 |
| Ongoing Benefits | Identity Protection and Restoration until February 13, 2028 |
| Category | Consumer Financial Relief |
| Official Website | https://www.capitalonesettlement.com/ |
This framework not only addressed immediate losses but also set a benchmark for corporate responsibility in handling data breaches.
Who can Claim the Capital One Bank Settlement
The settlement covers U.S. residents who had an active Capital One credit card or bank account between March 2015 and July 2019, when the breach occurred. While the deadline for cash claims passed in September 2022, all 98 million class members—whether they filed a claim or not—qualify for free identity protection and restoration services through February 13, 2028. No proof of financial loss is required for these benefits, making them widely accessible. If you received a breach notification, you’re likely eligible and should verify your status online.
Capital One Bank Settlement Payment Dates
Cash payments were distributed in two phases:
- Initial Disbursement: September 28, 2023, covering verified claims for losses like unauthorized charges or credit monitoring costs, up to $25,000 per person.
- Final Disbursement: September 4, 2024, for remaining claims after additional reviews.
As of August 2025, no further cash payments are scheduled, and unclaimed or uncashed funds are no longer available. Those who missed payments cannot request reissues at this stage. However, the focus has shifted to non-monetary benefits, which remain active and valuable for all affected customers.
Impact of the Capital One Bank Settlement 2025
This settlement has had a lasting influence, pushing banks to prioritize robust cybersecurity. For affected customers, the breach caused significant challenges, from fraudulent transactions to damaged credit profiles. The ongoing identity protection services, available through 2028, help mitigate these risks by offering tools to monitor and resolve fraud. In August 2025, these benefits are especially relevant as cyber threats evolve, ensuring customers have resources to protect their personal information. The case has also sparked broader discussions about consumer rights and data privacy in the digital age.
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How to Claim Capital One Bank Settlement Amount
While cash claims are closed, accessing identity protection and restoration services is straightforward:
- Visit the official settlement website to confirm your eligibility, typically indicated by a 2019 breach notice.
- For Identity Protection Services, call 833-317-4821 (Monday–Friday, 8 a.m.–11 p.m. ET; Saturday, 9 a.m.–6 p.m. ET) to get an enrollment code. Use it to sign up at the designated portal for services like dark web monitoring and up to $1 million in identity theft insurance.
- For Restoration Services, contact 505-896-7416 during the same hours for help with credit disputes, fraud alerts, or law enforcement coordination—no prior enrollment needed.
- Keep your contact details updated with the settlement administrator to receive notifications about your benefits.
These services are free and require minimal effort to activate, ensuring long-term support.
Capital One Bank Settlement 2025 FAQs
When were settlement payments made?
Payments occurred on September 28, 2023, and September 4, 2024. No additional cash distributions are available in 2025.
How can I access the remaining settlement benefits?
Eligible individuals can enroll in identity protection by calling the helpline for a code or access restoration services directly by phone, no claim required.
What ongoing support does Capital One offer?
Free identity monitoring, fraud resolution, and theft insurance are provided until February 13, 2028, to all class members.
Stay proactive by checking the official website for updates and enrolling in available services to protect your financial security. This settlement remains a vital resource for those affected by the 2019 breach.