Capital One Bank Settlement 2025: In 2025, Capital One reached a settlement after the data breach that revealed the personal information of approximately 98 million US customers. Capital one disclosed in July 2019 that private client data, such as names, addresses, SSNs, and bank account details, had been compromised. Despite improvements in cybersecurity, the hack revealed flaws in Capital One Bank’s IT infrastructure.
The $190 million settlement includes up to $25,000 in compensation for individual claimants, covering any additional costs related to the breach, including fraud, identity theft, and data protection fees.
Claimants may request up to 15 hours at $25 per hour to compensate for time lost due to the breach. The U.S. Office of the Comptroller of the Currency penalized Capital One $80 million as part of the settlement for its failure to prevent the breach.
Highlights about Capital One Data Breach Settlement
| Managing Authority | Capital One and U.S. Government |
| Name of Program | Capital One Data Breach Settlement |
| Country | USA |
| Settlement Amount | $190 million |
| Payment Date | After claim approval |
| Mode | EpiqPay or physical checks |
| Date of Breach | July 2019 |
| Category | Government Aid |
| Official Website | https://www.capitalonesettlement.com/ |
Required Eligibility for the Capital One Settlement
To be eligible for the Capital One Settlement, individuals must meet specific requirements. US citizens who were Capital One applicants or customers at the time of the 2019 breach are eligible to participate in the settlement.
The names, addresses, Social Security numbers, and bank account information of eligible individuals must have been compromised. Customers can check their eligibility by going to the official Capital One Settlement website or by contacting the Settlement Administrator at 1-855-604-1811.
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Payment Procedure for Capital One Settlement
- The Capital One Settlement will provide money to impacted consumers to pay for fraud, identity theft, and data security expenses.
- The EpiqPay digital payment system is used to disburse settlement funds to eligible claimants.
- Claimants who meet eligibility requirements and have provided a working email address will receive an email from [email protected] with instructions on how to access their payments.
- Unclaimed funds will be sent by physical check two to four weeks after the digital payment claims deadline.
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How to Submit a Capital One Settlement 2025 Claim
Step 1: Customers must visit the official Capital One Settlement website and complete the online claim form by providing certain details about their damages and personal information. Records of identity theft or receipts are examples of supporting documentation that may be required to substantiate the claim.
Step 2: After submitting their claim, individuals will receive confirmation from the Settlement Administrator. Claimants will receive an email from EpiqPay with a link to “Claim Payment” once their application has been accepted.
Step 3: By clicking the link, customers can choose their preferred digital payment method and redeem the settlement funds.
Step 4: Within two to four weeks following the deadline for the digital check, a physical check will be delivered to the claimant’s registered address.
