You may qualify for the 2025 Capital One 360 Savings Account settlement ($425M) if you held a 360 Savings account between Sept. 18, 2019, and June 16, 2025. Eligible class members are typically notified via email or mail. It is distinct from previous, finalized data breach settlements (e.g., 2022).
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 Capital One settlement benefits individuals who were reported as deceased by Capital One based on information related to their credit card accounts and whose accounts were disputed by Capital One with credit reporting agencies between Aug. 13, 2019, and Dec. 3, 2025.
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.
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.
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.
For the major Visa/Mastercard interchange fee settlement (2004-2019), your payment depends on your actual interchange fees paid, but it's a portion of the total fund, meaning it could be modest (e.g., $3k-$5k per $1M in processed volume) or significant, calculated after the claims period ends; there's no single amount, as it's divided among all valid claimants.
In 2025, Capital One agreed to a massive $425 million class action settlement, one of the largest payouts involving a U.S. bank in recent memory. The big news? Nearly all customers who held qualifying accounts during the affected time period are eligible to file a claim.
The settlement is for approximately $180–190 million. Eligible people may receive up to $25,000 for out-of-pocket losses and lost time (at least 15 hours at $25/hr), plus identity theft protection services, dark web monitoring, and more. About 98 million Capital One customers are eligible.
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.
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.
Credit Card settlement is an option for individuals facing financial hardship and unable to repay their full Credit Card debt. For example, if you have an outstanding balance of ₹1,00,000 but cannot make regular payments, you can negotiate with your issuer to settle the debt for a lower amount.
The settlement calls for Visa and Mastercard to lower swipe fees, which averaged 2.35% in 2024 and typically range from 2% to 2.5%, by 0.1 percentage point for five years.
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.
An SSN activity alert means there may have been a new name or address linked to your SSN on your credit report. Usually you'll recognize the information we found. That means the alert is nothing to worry about, and you don't need to do anything. Sometimes an alert may contain a name or address you don't recognize.
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.
You can claim for anxiety alone, or alongside other injuries, such as whiplash. Expert psychiatric reports can form a huge part of your evidence. If someone you know has suffered anxiety after a car accident and they're unable to make their own personal injury claim, you can potentially make a claim on their behalf.