Capital One Bank finalized a settlement in 2025 following a major data breach that exposed the personal information of approximately 98 million U.S. customers. The breach, disclosed in July 2019, compromised sensitive client data, including names, addresses, Social Security Numbers (SSNs), and bank account details. Despite efforts to enhance cybersecurity, the incident highlighted vulnerabilities in Capital One Bank’s IT infrastructure.
The settlement amounts to $190 million, offering individual claimants up to $25,000 in compensation. This amount is intended to cover expenses incurred due to the breach, such as fraud, identity theft, and data protection fees.
Capital One Data Breach Settlement Overview
| Authority | Capital One and U.S. Government |
| Program Name | Capital One Data Breach Settlement |
| Region | USA |
| Total Amount of Settlement | $190 million |
| Payment Date | After claim approval (Claim filing period closed on September 30, 2022) |
| Payment Mode | EpiqPay or physical checks |
| Date of Data Breach | July 2019 |
| Official Website | capitalonesettlement.com |
| Maximum Recoverable Damages | Up to $25,000 for damages, plus $25 per hour for up to 15 hours of lost time (Claim filing period closed on September 30, 2022) |
| Affected Individuals | Approximately 106 million individuals |
| Type of Data Breached | Names, addresses, Social Security numbers, dates of birth, credit scores, account balances, credit card numbers, and more |
| Cause of Breach | A hacker exploited a misconfigured Amazon Web Services (AWS) server |
| Settlement Details | The $190 million settlement fund will be used to compensate affected individuals for out-of-pocket expenses and lost time related to the breach. |
| Claim Filing Period | June 20, 2022 – September 30, 2022 |
| Claim Status | Claims were processed after the filing deadline, and payments began in September 2023. |
Eligibility Criteria for Capital One Bank Settlement 2025
To qualify for the Capital One Settlement, individuals must meet the following criteria:
- Residency: Must be a U.S. citizen.
- Customer Status: Must have been a Capital One customer or applicant at the time of the 2019 data breach.
- Data Compromise: Personal information, including names, addresses, Social Security Numbers, or bank account details, must have been exposed in the breach.
Eligible individuals can verify their status by visiting the official Capital One Settlement website or contacting the Settlement Administrator at 1-855-604-1811.
How to Submit a Claim for Capital One Bank Settlement 2025?
Visit the Official Settlement Website
- Go to the official Capital One settlement claims website.
Select Claim Method
- Choose the online claim submission option.
- Alternatively, you may submit your claim by mail.
Complete the Claim Form
- Enter your personal information.
- Provide your contact details.
- Verify your identity.
- Select your preferred compensation type.
Verify Eligibility
- Confirm that you were impacted by the 2019 data breach.
- Enter relevant personal information to verify eligibility.
Submit Your Claim
- Review all the information you’ve entered.
- Click the “Submit” button.
- Save your confirmation number or take a screenshot for your records.
Wait for Claim Processing
- Expect to receive an email confirmation.
- The settlement administrator will review your claim.
- You will be notified about the status of your claim.
Payment Process for Capital One Settlement
The Capital One Settlement offers compensation to affected individuals to cover expenses related to fraud, identity theft, and data security.
- Payment Disbursement: Settlement funds are distributed through the EpiqPay digital payment system.
- Email Notification: Eligible claimants who provided a valid email address will receive an email from NoReply@EpiqPay.com with instructions to claim their payment.
- Unclaimed Funds: Payments not claimed digitally will be issued via physical checks, which will be sent two to four weeks after the digital claims deadline.
Deepak Verma is a graduate from Delhi University with a First Division. With 8 years of teaching experience in Mathematics and Science, he has mentored secondary and senior secondary students. Currently, he is an author at SAMSA, where he applies his expertise to create engaging educational content.