How to File a Capital One Data Breach Claim

Capital One agreed to pay $190 million to settle claims arising from a 2019 data breach that exposed the personal information of approximately 100 million customers and applicants. Here's everything you need to know to file your claim.

What Is the Capital One Data Breach Settlement?

In July 2019, Capital One discovered that a hacker had accessed personal information of approximately 100 million Capital One credit card customers and applicants. The compromised data included names, addresses, phone numbers, email addresses, dates of birth, and self-reported income.

For approximately 140,000 customers, Social Security numbers were also compromised. Additionally, about 80,000 customers had their linked bank account numbers exposed.

The case was brought as a class action, meaning a group of consumers with similar claims sued collectively. Rather than go to trial, the defendant agreed to settle. Class members — people who were affected by the alleged conduct — are eligible to file a claim and receive a share of the settlement fund.

Who Is Eligible to File a Claim?

• Capital One credit card holders or applicants between 2005-2019
• Must have received a data breach notification from Capital One
• Can claim documented out-of-pocket losses up to $25,000
• California and other state residents may have additional claims

For basic claims, no proof is needed. For claims above the base amount, you must provide documentation of:

• Time spent dealing with the breach (valued at $25/hour, up to 15 hours)
• Out-of-pocket expenses related to the breach
• Evidence of identity theft or fraud resulting from the breach

How Much Can You Get?

Individual payouts are estimated at $2.5k–$2500k per person. The final amount each claimant receives depends on:

• The total number of valid claims filed
• Whether you have documentation supporting higher-tier compensation
• Attorney fees and administrative costs deducted from the fund
• Documented out-of-pocket losses (if applicable)

Filing is free and takes under 10 minutes. Even smaller payouts are worth claiming — there is no cost or risk to you.

How to File Your Capital One Data Breach Claim — Step by Step

1. Go to the official claims website: Visit capitalonesettlement.com/. This is the only authorized portal to file your claim. Avoid third-party sites that charge fees to "help" you file.
2. Check your eligibility: Confirm that you meet the class definition — typically that you were a customer or were affected during the specified class period.
3. Complete the claim form: Provide your name, contact information, and any details about your relationship to the defendant. Gather any supporting documentation before you start.
4. Select your payment method: Most administrators offer check, PayPal, Venmo, Zelle, or virtual prepaid card. Choose whichever is most convenient.
5. Submit and save your confirmation: After submitting, you'll receive a confirmation number or email. Save it — you'll need it to check the status of your claim.

The filing process typically takes 5–10 minutes.

Filing Deadline: August 22, 2026

The deadline to file is August 22, 2026 — 141 days from now. Missing the deadline means you forfeit your right to compensation from this settlement. Set a calendar reminder today.

Frequently Asked Questions

Is this settlement legitimate?

Yes. This is a court-supervised class action settlement. It is overseen by U.S. District Court, Eastern District of Virginia. The claims are administered by Kroll Settlement Administration. Filing is free and there is no obligation to accept the settlement if you prefer to pursue individual litigation.

Do I need a lawyer to file?

No. This is a class action — class counsel (the attorneys who filed the case) represents all class members. Filing your individual claim is free and does not require hiring a personal attorney.

How long until I get paid?

Payments are distributed after the settlement receives final court approval and all claims are processed. This typically takes several months to a year after the claims deadline. Be patient — the timeline is set by the court, not the administrator.

I already filed. Do I need to file again?

No. If you previously submitted a valid claim, you do not need to refile. Check your email for a prior confirmation from the settlement administrator.

What if I can't find the official claims website?

Visit the full Capital One Data Breach settlement page on SettlementRadar — we maintain verified links to official settlement sites and update them when administrator sites change.

Bottom Line

Capital One agreed to pay $190 million to settle claims arising from a 2019 data breach that exposed the personal information of approximately 100 million customers and applicants. Filing is free, takes under 10 minutes, and the deadline is August 22, 2026. Don't leave money on the table.

→ View the full Capital One Data Breach details on SettlementRadar