Capital One Class Action Settlements 2026
Capital One has been involved in multiple class action lawsuits stemming from its massive 2019 data breach — one of the largest in banking history — as well as credit card fee disputes and lending practices. Over 100 million customers and applicants in the US and Canada may be eligible to file claims.
SettlementRadar is not affiliated with, endorsed by, or connected to Capital One. This page provides independent information about class action settlements involving this company.
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About Capital One Lawsuits
Why Is Capital One Being Sued?
Capital One's most notable lawsuit involves a 2019 data breach that exposed names, addresses, phone numbers, email addresses, dates of birth, self-reported income, credit scores, credit limits, balances, payment history, and Social Security numbers for approximately 106 million customers. A former Amazon Web Services engineer was convicted in connection with the breach. Capital One has also faced lawsuits over deceptive "no-fee" credit card marketing, foreign transaction fee disclosures, and auto loan add-on product practices.
Frequently Asked Questions
Capital One Settlement History
Capital One has been involved in multiple class action lawsuits in recent years, resulting in significant settlement funds for affected customers. The most prominent case involves Capital One 360 savings and money market accounts, where plaintiffs alleged the bank misled customers by advertising "high interest" accounts while quietly slashing rates to as low as 0.2%—a practice the lawsuit claims affected millions of account holders between 2013 and 2019.
The $425 million Capital One 360 settlement is one of the largest consumer banking class actions in recent memory. Unlike many financial settlements, Capital One 360 claimants do not need to provide documentation of the exact interest they lost. Most claimants can self-certify their account ownership during the class period, making the filing process unusually accessible.
Capital One has also faced litigation related to its 2019 data breach, one of the largest in U.S. banking history, which exposed the personal information of approximately 100 million customers and credit card applicants. The breach—caused by a misconfigured firewall in Amazon Web Services—resulted in a $190 million settlement. That case involved exposed Social Security numbers, bank account numbers, and credit score information, placing it among the most severe financial data breaches ever reported.
For Capital One customers, 2026 brings an important window to collect on these historic cases. Settlements of this scale require active participation: you must file a claim before the deadline to receive payment. Funds are distributed only to claimants who submitted valid forms—customers who miss the deadline permanently forfeit their share of the settlement fund, even if they were directly harmed.
SettlementRadar tracks all open Capital One settlements in real time. If you held a Capital One 360 account, applied for a Capital One credit card, or had your data affected by the 2019 breach, check the settlement cards above to confirm your eligibility and file before deadlines expire.
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