Capital One has been the target of multiple class action lawsuit settlements in recent years, and several are actively paying out or accepting claims in 2026. The biggest is a $425 million settlement for 360 Savings account holders that requires no claim form. A completed $190 million data breach settlement has already distributed two rounds of payments. Smaller settlements cover affiliate marketers whose commissions were overwritten by the Capital One Shopping extension and cardholders who were mistakenly reported as deceased to credit bureaus. Other cases are still in litigation with no money available yet.
$425 Million 360 Savings Interest Rate Settlement
If you held a Capital One 360 Savings account at any point between September 18, 2019, and June 16, 2025, you are automatically included in this settlement. No claim form is required.1NBC New York. Are You Eligible for Capital One’s $425 Million Settlement
The lawsuit, In re: Capital One 360 Savings Account Interest Rate Litigation (No. 1:24-md-03111-DJN, E.D. Va.), alleged that Capital One kept the 360 Savings rate frozen at 0.30% from December 2020 through at least August 2024 while quietly launching a nearly identical product, 360 Performance Savings, that paid more than 14 times as much. According to the CFPB’s parallel complaint, employees were prevented from telling existing customers about the better account, and the conduct cost accountholders more than $2 billion in lost interest.2Consumer Financial Protection Bureau. CFPB v. Capital One, Complaint
Judge David J. Novak rejected an earlier version of the deal in November 2025, finding that it gave the class less than 10% of estimated damages and that its distribution plan was “patently inequitable” because customers who stayed in the inferior account would have collected more per person than those who moved on.3ClassAction.org. Order Denying Final Approval, In Re Capital One 360 Savings Account Interest Rate Litigation The renegotiated $425 million all-cash deal received final approval on April 20, 2026.4U.S. News & World Report. Judge Approves Capital One Settlement Deal
How Much You’ll Get and When
Your payment depends on how long you held the account, your balance, and the total number of eligible customers, after up to 15% is deducted for attorney fees and administrative costs. Payments of $5 or more will arrive as checks unless you opted in for electronic payment by the March 30, 2026 deadline. Distribution is scheduled for around July 27, 2026, provided no appeals are filed.5Capital One 360 Savings Account Litigation. Settlement Information Capital One denied all allegations of wrongdoing.1NBC New York. Are You Eligible for Capital One’s $425 Million Settlement
$190 Million Data Breach Settlement (Paid Out)
In July 2019, Capital One disclosed that a hacker had accessed personal information belonging to roughly 100 million U.S. credit card applicants and customers, along with about six million people in Canada. Dozens of consumer lawsuits were consolidated as In re: Capital One Consumer Data Security Breach Litigation (MDL No. 1:19-md-2915, E.D. Va.), and Capital One agreed to a $190 million settlement in January 2022.6TZ Legal. $190 Million Settlement in Capital One Data Breach Multi-District Litigation
The fund covered out-of-pocket losses, time spent resolving breach-related issues, and at least three years of identity theft prevention services. Final approval came on September 13, 2022. Initial payments went out on September 28, 2023, with some claimants receiving more than $2,000, and a second round followed on September 4, 2024. All payment activity is now complete, so no new claims can be filed.7Capital One Settlement. Capital One Data Breach Settlement8Top Class Actions. Capital One Data Breach $190M Class Action Settlement
$4 Million Affiliate Marketing Settlement
Content creators and online affiliates sued Capital One over its Shopping browser extension, alleging that the extension refreshed checkout pages and overwrote their tracking codes, taking commissions that would otherwise have gone to them. The claims in In re Capital One Financial Corporation, Affiliate Marketing Litigation (No. 1:25-cv-00023-AJT-WBP, E.D. Va.) included violations of the federal Computer Fraud and Abuse Act, the Electronic Communications Privacy Act, and various state consumer protection laws.9ABA Banking Journal. Virginia District Court Grants Preliminary Approval for Settlement in Influencer Lawsuit Against Capital One
Under the roughly $4 million settlement, affiliates who documented qualifying transactions were eligible to receive 100% of the commissions Capital One earned on those transactions after November 1, 2023. Those without documentation but whose identifiers appeared in Capital One’s data were eligible for a flat $20 payment. The claim filing deadline was April 17, 2026, and a final fairness hearing is scheduled for June 16, 2026.10Influencer Marketing Claims. In Re Capital One Financial Corporation, Affiliate Marketing Litigation Capital One also committed to at least two years of business practice changes, including compliance reviews and the appointment of an ombudsman, without admitting or denying the allegations.9ABA Banking Journal. Virginia District Court Grants Preliminary Approval for Settlement in Influencer Lawsuit Against Capital One
$2.4 Million “Reported as Deceased” FCRA Settlement
Kromrey, et al. v. Capital One N.A. (No. 3:24-cv-00575-REP, E.D. Va.) covered cardholders whom Capital One incorrectly reported as deceased to the credit bureaus and who disputed the error without correction. The $2.4 million settlement covers people affected between August 13, 2019, and December 3, 2025. No claim form was required. The court granted final approval on April 24, 2026, with payments expected roughly 65 days later. Attorneys’ fees were set at $800,000, and each class representative was eligible for up to $10,000.11Claim Depot. Credit Reporting Settlement12Top Class Actions. $2.4M Capital One FCRA Violations Class Action Settlement
Active Lawsuits With No Settlement Yet
Several class actions are pending against Capital One but have not produced any payments or settlements as of mid-2026. There is nothing to claim in these cases yet.
Canceled Credit Card Rewards
In April 2026, NTech Consulting LLC and Nikhil Navkal filed a proposed class action in NTech Consulting LLC, et al. v. Capital One N.A. (No. 3:26-cv-00308, E.D. Va.), refiled on May 7, 2026. The complaint alleges Capital One cancels earned credit card rewards when it closes accounts, including in cases where the closure follows a fraud incident and no cardholder fault. It asserts breach of contract, unjust enrichment, and violations of New York consumer protection law and the Equal Credit Opportunity Act.13Top Class Actions. Capital One Class Action Claims Credit Card Rewards Were Unlawfully Canceled Capital One had not filed a public response as of mid-2026.14Lawsuits Journal. Capital One Offers Lawsuit
Dark Patterns in Pre-Approval
Liou v. Capital One Financial Corp. (No. 3:22-cv-06299, D.N.J.), filed in November 2022, alleges that Capital One’s “pre-approval” flow for its Walmart Rewards Card advertised a soft credit check with “no risk to your credit score” but actually triggered a hard inquiry and a full application. It brings claims under the Fair Credit Reporting Act and New Jersey consumer protection statutes on behalf of a nationwide class. The case was still active as of early 2026.15ClassAction.org. Capital One Uses Dark Patterns To Lure Consumers Into Applying for Credit Cards, Class Action Alleges
Pandemic Fee Waivers
Fitzpatrick v. Capital One Financial Corporation (No. 2:22-cv-00312-MCE-DB, E.D. Cal.), filed in February 2022, alleged Capital One’s advertised pandemic-era relief, including waivers of late fees and interest, was illusory and that customer requests were routinely denied while fees of up to $40 continued to accrue. The complaint brought claims under California’s Unfair Competition Law.16ClassAction.org. Capital One Made Illusory Promises To Refund Fees, Interest Amid Pandemic, Lawsuit Alleges Its current status is not reflected in the available research.
Why Your Ability to Join Future Class Actions May Be Limited
Capital One’s standard credit card agreements contain a binding arbitration clause and a class action waiver. Either party may elect individual arbitration instead of court, and claims cannot be brought on a class, consolidated, or representative basis. A court decides whether the waiver is enforceable in any given dispute, and if it is struck down for a particular claim, that claim may proceed in court. Active-duty military members and their dependents covered by the Military Lending Act are exempt from the arbitration provision.17Capital One. Credit Card Agreement for Discover in Capital One, N.A. The settled cases above show that class actions against Capital One can and do proceed despite these clauses, but the waiver is worth knowing about before you count on joining a future one.