Individuals who held a Capital One "360 Savings" account at any point between September 18, 2019, and June 16, 2025, are eligible for the $425 million class action settlement. Payments are automatic for qualifying current and former customers. No claim form is required, and funds are distributed based on account balance and time held.
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.
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.
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.
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.
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.
Visit the Settlement Website
Almost any lawsuit will have a settlement website. Your first task will be to determine what paperwork you need and the filing deadline for this paperwork. Of course, you might want to opt out of the lawsuit to file your own individual 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.
Brown today announced a new settlement that will require Capital One to provide $425 million in restitution and better interest rates for its 360 Savings customers who were cheated out of higher interest payments on their savings accounts for years.
Use the Capital One Mobile app to deposit checks and your money should generally hit your account by the next business day—it's a snap.
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.
You can access your Capital One checking account at any ATM, but to avoid fees, find and use a fee-free Capital One, MoneyPass® or Allpoint® ATM. You have lots to choose from—there are more than 70,000 nationwide—including in select Target®, Walgreens and CVS® stores.
You get a portion of the settlement based on your Visa/Mastercard interchange fees (2004-2019), determined by your transaction volume relative to all valid claims, minus admin costs and fees, with estimates around $1,000 per $1M processed, but the final amount is unknown and depends on total valid claims, though some early partial payments were approved for Feb 2026.
If your business accepted Visa and/or Mastercard between 2004 - 2019, you may be included in a $5.5 billion Settlement.
Why is Capital One sending me a new debit or ATM card? Capital One is switching its debit and ATM card network from Mastercard to Discover. What is a debit network or ATM network? A debit network is an electronic payment system that allows for real-time transactions between businesses and customers.
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.
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.
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.
Settlements currently paying out involve areas like data breaches (e.g., 23andMe, Numotion), health/privacy (e.g., Anthem), consumer products (e.g., Rheem water heaters, Bayer sprays), and financial services (e.g., Nelnet, Ocwen), with active claims on sites like TopClassActions and ClassAction.org; payments for finalized cases typically arrive 14-28 days after agreement, but for open settlements, you need to submit a claim by the deadline to receive funds, which can vary widely.
Here's a breakdown of how the settlement process usually works after a case is resolved.
If you're being sued, you'll receive official court papers
If you are being sued, you'll receive at least two documents. One is called a Summons and the other a Complaint. These documents are typically handed to you or might be left with someone 18 years or older at your home, work, or mailing address.