In 2019, a major data breach at Capital One exposed the sensitive information of nearly 98 million U.S. customers. This incident sparked a class-action lawsuit that led to a $190 million settlement, which was approved in September 2022. While the claim period has ended, many customers are still eligible for free benefits. Here’s what you need to know.
Who Qualified for the Settlement?
To have been eligible for compensation, individuals had to meet these requirements:
- They were U.S. residents.
- They were Capital One customers during the time of the 2019 breach.
- They filed a claim before the September 30, 2022, deadline.
Qualified customers could receive compensation for out-of-pocket expenses up to $25,000 and free identity protection services for up to five years.
What’s Happening Now in 2025?
Most claimants already received their payments, with the first round issued in September 2023 and a second round completed in September 2024. All checks and payments have been processed, and no new payments will be issued. However, key benefits, like identity protection, are still available.
What Benefits Can You Still Access?
If you filed a claim for identity protection services, you can still enroll in five years of free coverage. This service, provided by Pango, includes monitoring for suspicious activity and help with identity theft issues.
To enroll:
- Contact Pango at 833-317-4821 to get an enrollment code.
- Visit the official website to activate your protection through February 2028.
Even if you didn’t file a claim, you’re still eligible for free Restoration Services until February 2028. This service helps you recover from any identity theft related to the breach. Fraud specialists can help with credit disputes, fraud alerts, and police reports. To access this, call 505-896-7416.
Why You Should Stay Alert
Although payments are done, your personal data could still be vulnerable. The free identity monitoring and restoration services give you tools to fight fraud if your information is misused.
For additional information or to check your eligibility, visit the official settlement website: capitalonesettlement.com.
