You likely qualify for the $425M Capital One 360 Savings account settlement if you held a Capital One 360 Savings account between September 18, 2019, and June 16, 2025. Payments are automatic; no claim form is required, and funds are expected to start arriving around January 25, 2026.
Eligibility for the main Capital One settlement centers on holding a Capital One 360 Savings account (not Performance) between September 18, 2019, and June 16, 2025, with payments automatically issued to eligible members for alleged underpaid interest, though a separate data breach settlement had earlier deadlines. You're likely included if you had the 360 Savings account, including joint holders, while those with only the Performance account generally aren't.
You may qualify if: You held a Capital One 360 Savings account between September 18, 2019 and June 16, 2025. Your account was active at any point during this period. You are a current or former account holder.
We have directly notified by mail the U.S. individuals whose Social Security numbers or linked bank account numbers were accessed. We also have notified all Canadian customers affected. Canadian customers can find more information at https://support.capitalone.ca/cyber/facts2019 or www.capitalone.ca/facts2019/fr. 5.
About 98 million Capital One customers are eligible. The claim filing deadline was September 30, 2022. Notice was sent to those whose Social Security/social insurance or bank account numbers were exposed. If you are ever the victim of a breach, contact Morgan & Morgan to see if you are eligible for compensation.
For the major 2025 Capital One settlement (the $425M 360 Savings account case), you're eligible if you held a Capital One 360 Savings account between September 18, 2019, and June 16, 2025, automatically receiving payments for the interest difference or choosing a larger lump sum, with deadlines like October 2, 2025, for opting out/objecting and a final hearing on November 6, 2025, while another separate settlement covers deceased account holders reported to credit bureaus between Aug 13, 2019, and Dec 3, 2025.
How can you find out if you're eligible? In some cases, the settlement administrator will send a notice of a settlement directly to you by mail or email. If you receive a notice, you're almost definitely eligible for benefits.
To check for settlement checks, first contact your attorney for personal injury/lawsuit settlements, as they manage funds; for unclaimed property, use Unclaimed.org or MissingMoney.com to search state databases; for government payments, check the USA.gov site; and always be wary of scams by verifying legitimacy through official channels before cashing any unexpected check.
For the Capital One 360 Savings settlement, individual payouts vary greatly, but the $425 million fund pays for missed interest (pro rata based on your balance and time) and higher future rates, with those closing accounts potentially getting ~15% more cash upfront, though exact amounts aren't set until claims are processed and court approval is final, with some estimates suggesting up to $1,000 or more for some, but no fixed per-person amount exists.
Business owners are encouraged to submit a claim to get their share of a court-approved $5.5 billion settlement before the claim period closes May 31, 2024. If your businesses accepted Visa and/or Mastercard between Jan. 1, 2004 and Jan. 25, 2019 you can now claim their share of the settlement.
If you suspect you may be able to prove these things, debt dismissal may be a viable option for debt relief, but in most cases, debt settlement or bankruptcy are more realistic choices. Debt settlement has its place, but filing for bankruptcy is often the best long-term, concrete solution for debt relief.
In most consumer class actions in the United States, potential class members are automatically included unless they affirmatively opt out of the lawsuit. This means that if you meet the eligibility criteria and do nothing, you're considered part of the class.
Approximately 100 million individuals in the United States and 6 million in Canada had their data exposed. Capital One has not disclosed the total number of unique individuals impacted.
Calculating a settlement involves adding up your economic damages (bills, lost wages) and non-economic damages (pain and suffering) to get a total, often using a multiplier (1.5x to 5x economic losses) for the latter, adjusted for injury severity, fault, and future impacts, but it's complex and best guided by an attorney, as insurance adjusters use these formulas as a starting point for negotiation.
Compensation for pain and suffering varies significantly depending on several factors including the nature of the injury, the impact on daily life, and jurisdictional laws. Typically, compensation can range anywhere from thousands to millions of dollars.
TL;DR: Yes, an MRI can increase a settlement because it provides clear, objective medical evidence of injuries. It helps prove severity, supports higher medical costs, and gives leverage in negotiations with insurance companies.
Eligibility for the main Capital One settlement centers on holding a Capital One 360 Savings account (not Performance) between September 18, 2019, and June 16, 2025, with payments automatically issued to eligible members for alleged underpaid interest, though a separate data breach settlement had earlier deadlines. You're likely included if you had the 360 Savings account, including joint holders, while those with only the Performance account generally aren't.
The easiest way to find your settlement figure is to get in touch with your car finance lender or the dealership you bought the car from (if applicable). They will be able to quickly work out the exact amount you'll need to pay to settle your loan, including all the additional interest and fees if there are any.
Anyone who had a Capital One “360 Savings” account at any point between Sept. 18, 2019 and June 16, 2025, qualifies for the settlement. No claim form is required. Payments of $5 or more will be sent automatically, either by check or electronically, depending on the option previously selected.
We have directly notified by mail the U.S. individuals whose Social Security numbers or linked bank account numbers were accessed. We also have notified all Canadian customers affected. Canadian customers can find more information at www.capitalone.ca/facts2019 or www.capitalone.ca/facts2019/fr.
Data breach compensation varies widely, from small amounts for basic details to thousands of dollars for severe harm like identity theft, often covering financial losses, time spent, credit monitoring, and sometimes emotional distress. Payouts depend on the type of data exposed (SSNs, financial info yield more), proven financial harm (fraud, lost income), and whether you're in a class action or individual suit. Recent settlements show payouts from under $100 (pro rata) to over $1,000, with some reaching thousands for documented losses, like AT&T or Capital One cases.