Capital One Settlement: Eligibility and Payouts

This overview explains where matters stand after the 2019 data breach that exposed personal information of about 98 million U.S. consumers.

The breach prompted a final $425 million resolution for affected users, and claims and payment reissues are now closed. Only identity defense and restoration services remain active for eligible customers.

Separately, a $16 million class action addressed alleged repeated NSF and overdraft fees for certain accounts from 2015–2022. New litigation from the CFPB alleges lost interest for some 360 Savings accountholders compared with higher-yield products.

This piece clarifies which programs are finished, which benefits continue today, and why uncashed checks tied to prior payouts are void. It also helps readers match their accounts to the correct matter and spot any remaining actions they might need to take.

Key Takeaways

The breach affected about 98 million U.S. consumers and led to a major, finalized payout.
Claim filing and payment reissue periods for that matter are closed; identity services remain available.
A separate $16 million class action resolved alleged extra NSF/overdraft fees for a defined period.
The CFPB suit alleges billions in lost interest for some savings account holders and is ongoing.
Uncashed checks from the earlier program are void and should not be deposited.

capital one settlement status today: what’s closed, what remains, and what’s newly alleged

Most legal windows tied to the 2019 data incident have closed, while limited protections still apply for some customers.

What’s finished: The breach-related claim filing and payment reissue periods are closed. Any uncashed check from that program is void and should not be deposited.

What remains: Identity Defense and Restoration Services from the earlier matter continue for eligible individuals. These services are the only active remedial benefits from that action today.

What’s newly alleged: The CFPB lawsuit claims the bank kept 360 Savings at a low rate for years while promoting higher yields for 360 Performance Savings. That new action seeks redress and penalties and could affect how interest and rate disclosures are handled going forward.

Closed windows do not reopen because of the new lawsuit.
Different accounts determine which matter applies: breach benefits, the $16 million class action about NSF fees, or the rate lawsuit.
Check official filings and regulator pages for updates and future deadline notices.

Who is eligible and what payouts apply across major cases

Which accounts qualify depends on the specific action—breach relief, the NSF class, or the CFPB rate lawsuit.

2019 data breach: final status, identity services, and voided checks

The data breach matter is final. Claim filing and payment reissue windows are closed.

Settlement class members notified about the July 2019 incident still have access to Identity Defense and Restoration Services. Any uncashed checks from that program are void and should not be deposited.

$16 million NSF/overdraft fee class action: who qualifies and how payments ran

The McNeil class resolved for $16 million covers accountholders with items resubmitted between 9/1/2015 and 1/12/2022 who were charged multiple NSF or overdraft fees on the same transaction.

Relief was distributed via account credits or mailed payments depending on records. Check past notices or account history to confirm inclusion.

CFPB lawsuit over 360 Savings vs. 360 Performance Savings

The Bureau alleges the 360 savings account rate stayed near 0.30% while 360 Performance rose to 0.40% (Apr 2022), 3.30% (Jan 2023) and 4.35% (Jan 2024).

This lawsuit claims over $2 billion in alleged lost interest. Because it is ongoing, no payments are available now; any money would depend on future court outcomes or a negotiated resolution.

Claims, deadlines, and how to verify your part of a class action

Deadlines and claim windows differ by case, so verifying your role in any class action starts with simple record checks. Start by locating any mailed notices, emails, or account statements you received during the relevant period.

Filing periods, payment reissues, and communications to members

For the breach matter: the submit claim window and payment reissue period are closed today. Only Identity Defense and Restoration Services remain available for eligible settlement class members.

For the McNeil class: class members had eligibility tied to account activity from 9/1/2015 through 1/12/2022. Notices explained how payments or account credits were distributed from the $16 million fund.

How to check claim status, payments, or eligibility for accounts

To confirm whether you were part of a class, match your account type, dates, and any NSF or overdraft charges to the published class definitions. Then use official resources: the court docket, the administrator’s site, or company notices.

Review past statements for credits or mailed checks; uncashed checks tied to the breach are void and not reissued.
Keep copies of notices, emails, and transaction records as proof of membership in class actions.
If you missed a deadline, there is no process to submit claim late for closed matters, but Identity services may still apply for eligible members.

For up-to-date information about a pending lawsuit or potential interest payments, rely on court filings and regulator pages rather than third-party sites. That protects your data and gives the most accurate guidance on next steps.

What to do next and where to find reliable updates

Keep watch on official filings and company notices so you’ll know if redress, interest payments, or a new program arises. Check court dockets and administrator pages for verified information about any class action or action lawsuit.

If you hold a 360 savings account or a 360 savings product, compare your historical interest rates to posted rates for 360 Performance Savings to assess possible exposure if the CFPB claims prove true.

Protect your money: do not cash old breach checks. Keep contact details current with any administrator, save statements that show balances and rates, and consider filing a CFPB complaint if you think customers cheated billion in lost interest.

FAQ

What is the Capital One settlement about and who might receive payouts?

The settlements cover several lawsuits and regulatory claims involving data security, fee practices, and how certain savings accounts paid interest. Eligible class members generally include affected accountholders during specific date ranges named in each case. Payouts depend on the case, your account type, and documented losses or statutory relief. Check the official settlement notices for exact eligibility dates and required proof.

Which parts of the litigation are closed and which remain active today?

Several matters have reached final orders and disbursement, including some breach-related settlements and certain fee class actions that concluded with approved distributions. Other actions, such as recent regulatory claims about savings account disclosures and interest calculations, remain under litigation or regulatory review. Stay updated via court dockets or the notices sent to potential class members.

Who qualified for the 2019 data breach settlement and what relief was offered?

People whose personal information was exposed in the 2019 breach and who meet the class definition received options like identity monitoring services, reimbursement for documented losses, or cash payments if they submitted valid claims. Some claims required proof of expenses or time spent resolving fraud. Check the settlement administrator’s website for claim forms and distribution records.

What happened in the million NSF/overdraft fee class action and who was affected?

That class action alleged improper overdraft or nonsufficient-funds fee practices for specific account types and timeframes. Account holders who were assessed disputed fees during the defined period and who fall within the class definition could be eligible for refunds or credit adjustments. The exact payment amounts depended on the total claims filed and the approved distribution plan.

What is the CFPB’s issue with the 360 Savings versus 360 Performance Savings accounts?

The consumer bureau alleged that differences in advertised interest or actual interest crediting between these savings products led to customers receiving less interest than promised. The claim focuses on disclosure, rate application, and whether consumers lost potential earnings. Outcomes could include restitution, corrected disclosures, or structural changes to account terms if claims succeed.

How do I know if I’m a settlement class member for these cases?

Notices were mailed or emailed to people identified as potential class members. Courts also publish class definitions and deadlines. To confirm, check the official settlement website, court docket, or contact the settlement administrator with your account details and dates of activity to verify membership and any required actions.

What are typical deadlines for filing a claim or objecting to a settlement?

Deadlines vary by case but commonly include a claim submission deadline, an objection deadline, and a deadline to exclude yourself from the class. These are set by court order and are nonnegotiable. Find the exact dates in the long-form notice or on the settlement administrator’s site and act before the posted cutoff.

How do I submit a claim or request a reissue of a payment I never received?

Submit claims through the settlement administrator’s online portal, by mail with required documentation, or by the methods listed in the official notice. For missing payments, contact the administrator with proof of identity and claim confirmation. They typically provide a reissue process within a limited timeframe after final distributions.

How can I check the status of my claim or payment?

Use the case-specific claim portal or the settlement administrator’s phone line. Many administrators offer online tools where you enter a claim number, email, or last four digits of an account to see status. You can also review court filings for distribution reports indicating how payouts were handled.

What documentation do I need to prove my claim or losses?

Required documents often include account statements showing deposits, interest credited, or fees assessed, receipts for out-of-pocket losses, and identity verification. Each settlement lists acceptable proof — keep copies of statements, correspondence, and any dispute records to support your claim.

If I opted out of a class, can I still submit a claim later?

No. If you timely excluded yourself from a class, you lose the right to submit a claim under that class settlement. Exclusion preserves your right to pursue an individual lawsuit, but it disqualifies you from receiving settlement distributions tied to the class action.

Where can I find reliable, up-to-date information about these cases?

The most reliable sources are the court docket for each case, the official settlement administrator website, and notices mailed to potential class members. Regulatory agency pages, like the CFPB’s site, also publish details about enforcement actions. Avoid unverified social posts and use the official contact channels listed in notices.

What should I do next if I think I’m owed money or were misled about account interest?

Review any settlement notices you received, confirm the class definitions and deadlines, and gather supporting statements and documentation. Submit a timely claim if you qualify. If no settlement covers your situation, consider speaking with an attorney or contacting the consumer protection agency for guidance on other remedies.