Millions of people are now at risk of financial losses and data breaches due to the increase in cyberattacks in recent years, and Capital One data breach in 2019 was one of the most significant examples, affecting over 100 million people.
The Capital One Settlement resulted from a class-action lawsuit, leading to a $190 million payout in December 2021 to compensate consumers affected by the data breach.
Capital One Bank Settlement 2025
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In response to the data breach that exposed the private data of roughly 98 million US consumers, Capital One reached a settlement in 2025. In July 2019, Capital One revealed that sensitive customer information, including names, addresses, Social Security numbers, and bank account information, had been affected. The hack displayed weaknesses in Capital One’s IT infrastructure even with advancements in cybersecurity.
Capital One Data Breach Settlement Overview
| 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/ |
Capital One Settlement Payment Process
The money from the Capital One Settlement will be given to affected consumers to pay for things like identity theft, fraud, and data security. Eligible claimants can get their settlement money via the EpiqPay digital payment system.
An email from NoReply@EpiqPay.com with instructions on how to access their payments will be sent to claimants who fulfill the eligibility requirements and have supplied a working email address. Two to four weeks following the deadline for digital payment claims, unclaimed funds will be transferred by physical check.
Eligibility Criteria for Capital One Settlement
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People must fulfill certain requirements in order to be eligible for the Capital One Settlement. Residents of the United States who were Capital One applicants or customers at the time of the 2019 breach are eligible to get involved in the settlement.
The breach must have affected the personal information of eligible individuals, including names, addresses, Social Security numbers, and bank account details. By visiting the official Capital One Settlement website or calling the Settlement Administrator at 1-855-604-1811, customers can find out if they qualify.
Compensation Amounts for Affected Customers
Individual claimants may receive up to $25,000 in compensation as part of the $190 million settlement, which covers any extra expenses connected with the breach, such as data protection fees, fraud, and identity theft.
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Claimants can request compensation of $25 per hour for up to 15 hours to account for time lost due to the breach. The U.S. Office of the Comptroller of the Currency fined Capital One $80 million as part of the settlement for not preventing the breach.
How to File a Claim for Capital One Settlement 2025
Customers must go to the official Capital One Settlement website and fill out the online claim form by entering their personal information and specifics of the damages they have suffered. To support the claim, supporting documentation might be needed, such as identity theft records or receipts.
Individuals will receive confirmation from the Settlement Administrator following the submission of their claim. After being approved, claimants will get an email from EpiqPay with a link to “Claim Payment.”
Customers can redeem the settlement funds and select their preferred digital payment method by clicking the link. A physical check will be sent to the claimant’s registered address within two to four weeks after the deadline for the digital claim.
FAQs
How much can I receive?
You can receive up to $25,000 for damages, plus $25 per hour for up to 15 hours of lost time.
How will settlement payments be issued?
Settlement Payments will be sent via the EpiqPay digital payment system, or a physical check will be mailed.
What caused the data breach?
The Capital One breach was caused by a hacker exploiting weaknesses in its IT system.