If you’re a Capital One customer, there’s a good chance you’re owed money right now and don’t even know it. The capital one class action settlement landscape in 2026 involves multiple active cases, from a massive $425 million savings account payout to a data breach that exposed 98 million people. This guide breaks down every active and recent capital one class action lawsuit, who qualifies, what you need to do, and when the money is expected to arrive.
There are multiple Capital One class action settlements in 2026. The biggest is a $425 million settlement for 360 Savings account holders (no claim form needed, payments are automatic). The 2019 data breach settlement ($190M) has closed for new claims but still offers free identity protection through 2028. A separate outage lawsuit from January 2025 was dismissed but is still under investigation.
Every Active Capital One Class Action Settlement (2026)
Capital One is currently involved in several class action cases at different stages. Here’s a quick snapshot of every capital one class action settlement before we dive into the details.
| Settlement | Amount | Status | Action Needed? |
|---|---|---|---|
| 360 Savings Interest Rate | $425M + $530M rate relief | Preliminary approval (Jan 2026) | No. Automatic payments. |
| 2019 Data Breach | $190M | Closed for claims | Identity protection still available |
| January 2025 Outage | TBD | Dismissed (investigation ongoing) | Document any losses |
| Affiliate Marketing Commissions | TBD | Preliminary approval (Dec 2025) | Claim form required |
| FCRA Violations (Deceased Reporting) | $2.4M | Final hearing March 2026 | Automatic for class members |
If you’re a Capital One customer, there are multiple ways you could be owed money from a capital one class action settlement. However, these aren’t the only settlements worth checking. There are dozens of open settlements most people never hear about.
Full eligibility, payout, and deadline breakdown
| Class Action | Who Qualifies | Payout Value | Deadline | How to Apply |
|---|---|---|---|---|
| 360 Savings Interest Rate | Anyone who held a Capital One 360 Savings account between Sept 18, 2019 and June 16, 2025 | Varies by balance and account duration. Total fund: $425M cash + $530M rate relief | Final hearing: April 20, 2026. Payments after approval. | No action needed. Payments are automatic. Update your address at capitalone360savingsaccountlitigation.com |
| 2019 Data Breach | ~98 million U.S. consumers whose data was compromised in the July 2019 breach | $75 to $25,000 (depending on documented losses). Flat-rate: $75 to $250 | Claims closed Sept 30, 2022. Identity services available through Feb 13, 2028 | Claims closed. Enroll in free identity protection by calling 833-317-4821 |
| January 2025 Outage | Capital One customers who couldn’t access accounts/funds between Jan 15 to 18, 2025 | No settlement yet. Individual losses vary. | Cases dismissed. Investigations ongoing. | No active claim. Document losses. File CFPB complaint. Consider small claims court. |
| Affiliate Marketing Commissions | U.S. individuals/entities in affiliate programs with retailers partnered with Capital One Shopping, Jan 6, 2020 to Dec 18, 2025 | Cash payment based on commissions seized. Proof increases payout. | Final hearing: June 10, 2026 | Submit claim form at InfluencerMarketingClaims.com |
| FCRA Violations | Individuals incorrectly reported as deceased by Capital One between Aug 13, 2019 and Dec 3, 2025 | Equal share of $2.4M net fund | Final hearing: March 20, 2026 | No action needed. Automatic for class members who don’t opt out. |
The $425 Million 360 Savings Settlement (The Big One)
This is by far the largest and most important capital one class action settlement happening right now. It involves millions of customers who held Capital One 360 Savings accounts and were quietly earning a fraction of what new customers received.
What happened
In 2019, Capital One launched the 360 Performance Savings account with interest rates above 4%. However, existing 360 Savings account holders were never clearly told about this new option. As a result, their rates stayed frozen at around 0.30% while new customers earned over 14 times more on an essentially identical product.
The capital one class action lawsuit alleges that Capital One:
- Marketed 360 Savings as a “high interest” account, then let rates stagnate
- Created 360 Performance Savings for new customers with dramatically higher rates
- Failed to notify existing customers about the better account option
- Concealed the existence of the higher-yield alternative
Who qualifies
You’re likely part of the class if you held a Capital One 360 Savings account at any time between September 18, 2019 and June 16, 2025. The settlement administrator will use Capital One’s internal records to determine eligibility. In other words, you don’t need to prove anything.
How much you could receive
Your payout depends on two factors:
- How much money you had in the account
- How long you held the legacy 360 Savings account during the class period
The total settlement value is approximately $955 million when you include both the $425 million cash fund and the $530 million in forward-looking rate relief (matching 360 Savings rates to 360 Performance for at least two years).
Do you need to file a claim?
No. This is one of the rare capital one class action settlement cases where payments are completely automatic. Capital One will use its own records to identify eligible customers and calculate payment amounts. You do not need to fill out a claim form, log into a portal, or take any action to receive your capital one class action settlement payout.
However, you should:
- Update your mailing address if you’ve moved
- Select your preferred payment method (check or electronic) through the official settlement website
- Watch for official notices via email or mail
Key dates and timeline
Revised settlement receives preliminary court approval
Final approval hearing in U.S. District Court, Eastern District of Virginia
Automatic payments distributed to eligible class members (pending no appeals)
You Might Be Owed More Than Just Capital One Money
The 360 Savings case is one of the biggest settlements open in 2026, but it’s not the only one. Take a free 2-minute quiz to see every settlement you qualify for.
Check My EligibilityThe 2019 Capital One Data Breach Settlement ($190 Million)
The second major capital one class action settlement involves the 2019 data breach, which was one of the largest financial security breaches in U.S. history. A former Amazon Web Services employee exploited a misconfigured firewall and gained unauthorized access to the personal information of approximately 98 million U.S. consumers.
What data was exposed
- Names, addresses, dates of birth, phone numbers
- Credit scores, credit limits, account balances
- Social Security numbers (for some customers)
- Bank account numbers (for some customers)
- Credit card application data from 2005 through early 2019
Current status: claims are closed
The claim filing deadline was September 30, 2022. If you missed it, you can no longer file for a cash payout. However, the settlement still offers valuable benefits that remain active.
What’s still available (through February 2028)
Even if you never filed a claim, you can still access:
- Free Identity Defense Services through Pango, including dark web monitoring, fraud alerts, and credit file monitoring. Call 833-317-4821 to enroll.
- Free Restoration Services through Pango, including access to fraud resolution specialists who can help with credit disputes, law enforcement coordination, and fraudulent account closures. Call 505-896-7416.
Both services run through February 13, 2028, regardless of when you enroll.
Payout details for those who filed
| Claim Type | Potential Payout | Proof Required? |
|---|---|---|
| Documented out-of-pocket losses | Up to $25,000 | Yes (receipts, statements) |
| Lost time (with documented losses) | Up to 15 hours at $25/hr | Description of time spent |
| Lost time (no documented losses) | Up to 5 hours at $25/hr | Description of time spent |
| Flat-rate payment (no documentation) | $75 to $250 | No |
Payments have been rolling out in waves since 2023. If you filed a claim for this capital one class action settlement and haven’t received payment, check your status at capitalonesettlement.com. Some claimants report delays, so patience is required.
The January 2025 Outage Lawsuit
Unlike the other capital one class action settlement cases, the January 2025 outage lawsuits have not resulted in any payout. In January 2025, Capital One experienced a major service outage that lasted approximately three days (January 15 through 18). The disruption was caused by a technical issue with a third-party vendor and left thousands of customers unable to access their accounts, process payments, or receive direct deposits.
What was alleged
Multiple capital one class action lawsuit filings followed the outage, including Ferrell v. Capital One N.A. The lawsuits alleged:
- Breach of contract for failing to provide reliable banking access
- Customers missed bill payments, incurring late fees and penalties
- Discrepancies in account balances and unauthorized fees
- Inadequate communication during the disruption
Current status
As of early 2026, the outage lawsuits have been dismissed on procedural grounds. Courts found it difficult to certify a class because proving concrete, individual financial harm from the outage varied significantly from person to person. No settlement has been reached.
However, investigations by law firms like Sauder Schelkopf continue. If you experienced documented financial harm from the outage, you should:
- Keep all records of late fees, overdraft charges, or penalties incurred during January 15 to 18, 2025
- File a complaint with the CFPB if you haven’t already
- Consider small claims court for individual losses
Other Active Capital One Class Action Cases
Affiliate Marketing Commission Settlement
Capital One agreed to settle a lawsuit alleging it wrongfully collected commissions earned by social media influencers and content creators who promoted online retailers through the Capital One Shopping browser extension (formerly Wikibuy). This capital one class action settlement received preliminary approval in December 2025.
- Who qualifies: Anyone who participated in an affiliate commission program with an online retailer partnered with Capital One Shopping between January 6, 2020 and December 18, 2025
- Action required: Claim form needed through InfluencerMarketingClaims.com
- Final hearing: June 10, 2026
FCRA Violations Settlement ($2.4 Million)
Capital One agreed to pay $2.4 million to resolve claims that it incorrectly reported certain credit card customers as deceased to credit reporting agencies and failed to properly investigate disputes.
- Who qualifies: Individuals reported as deceased by Capital One between August 13, 2019 and December 3, 2025
- Action required: None. Payments are automatic for class members who don’t exclude themselves.
- Final hearing: March 20, 2026
How to Make Sure You Don’t Miss Any Capital One Settlement Money
With this many active cases, keeping track of every capital one class action settlement deadline, eligibility window, and filing requirement on your own is genuinely difficult. Here’s how to stay on top of it.
The manual approach
- Bookmark the official settlement websites for each case
- Set calendar reminders for every key hearing date
- Check your email (including spam folders) for official notices
- Search settlement databases regularly for new filings
The automated approach
MoneyPilot scans for class action settlements you qualify for, files claims on your behalf, and tracks deadlines automatically. Instead of monitoring five different settlement websites, you get one dashboard that handles everything. If you qualify for any of the capital one class action settlement cases above (or others you don’t even know about), MoneyPilot surfaces them for you.
This is especially useful because capital one class action lawsuits aren’t the only ones out there. There are dozens of major settlements open right now across data breaches, consumer products, and financial services. Most people qualify for several and never find out.
What to Watch For: Scams Targeting Capital One Settlement Claimants
Whenever a high-profile capital one class action settlement makes the news, scammers follow. Protect yourself by knowing the red flags.
- No legitimate settlement administrator will ever ask for your full Social Security number. The 360 Savings administrator explicitly warns against this on their website.
- Official communications come from specific, verified domains. For the 360 Savings case, that’s capitalone360savingsaccountlitigation.com. For the data breach, it’s capitalonesettlement.com.
- You should never need to pay a fee to receive settlement money. If someone asks for payment, it’s a scam.
- When in doubt, call the official settlement administrator numbers listed in court documents.
If you’re not sure what you qualify for beyond Capital One, the MoneyPilot settlement tracker has a running list of every verified, court-approved case with deadlines and estimated payouts.
Frequently Asked Questions
How much will I get from the Capital One class action settlement?
For the $425 million 360 Savings settlement, your payment depends on your account balance and how long you held the legacy account between September 2019 and June 2025. Payments are automatic. For the data breach settlement, eligible claimants who filed before the deadline could receive $75 to $25,000 depending on documented losses. To understand how settlement payouts are typically calculated, see this class action settlement calculator guide.
Do I need to file a claim for the Capital One 360 Savings settlement?
No. This is an automatic settlement. Capital One will use its internal records to identify eligible customers and calculate payments. You don’t need to submit any forms. However, you should update your mailing address or payment preferences on the official settlement website before the April 20, 2026 final hearing.
Is the Capital One data breach settlement still open?
The claim filing period closed on September 30, 2022. However, free Identity Defense Services and Restoration Services through Pango remain available to all class members until February 13, 2028. You can enroll even if you never filed a claim.
What happened with the Capital One outage class action lawsuit?
Multiple lawsuits were filed after the January 2025 outage. As of early 2026, these have been dismissed on procedural grounds, though investigations continue. No settlement has been reached. If you want to understand how to join a class action lawsuit if new filings emerge, that guide walks through the process.
When will Capital One settlement payments be sent out?
For the 360 Savings settlement, the final approval hearing is April 20, 2026. If approved with no appeals, automatic payments will be distributed after that date. For the data breach settlement, payments have been rolling out in waves since 2023. Check your status on the official settlement websites.
How do I check the status of my Capital One settlement claim?
For the 360 Savings case, visit capitalone360savingsaccountlitigation.com. For the data breach, visit capitalonesettlement.com or call 1-888-832-2704. If you use MoneyPilot, settlement statuses and deadlines are tracked automatically in your dashboard.
Bottom Line
Capital One Customers: Don’t Leave Money on the Table
The capital one class action settlement involving 360 Savings accounts is one of the largest consumer banking settlements in recent history. Payments are automatic, no claim form is needed, and millions of customers qualify. If you held a 360 Savings account between 2019 and 2025, you’re likely getting paid after the April 2026 hearing. Don’t ignore the notices.
See What You’re Owed →
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Settlement eligibility, payout amounts, and timelines are determined by courts and settlement administrators. Information is accurate as of February 25, 2026 but may change as cases progress. Always verify details through official settlement websites.