Capital One Settlement 2025 – Details, Who’s Eligible and What You Can Still Claim

Still wondering what to do about the Capital One data breach settlement in 2025? If you were impacted by the 2019 breach but didn’t file in time for financial compensation, there’s still good news. You may not be eligible for cash anymore, but free identity theft protection is available until 2028 — and that’s not something you want to miss.

Let’s break down what the settlement included, who’s still eligible, how to check your claim, and what steps to take now to stay protected.

Overview

The Capital One settlement is one of the biggest data breach settlements in recent years, totaling $190 million. Millions of U.S. residents were affected when Capital One’s systems were compromised in 2019, revealing names, addresses, Social Security numbers, credit scores, and more.

Capital One Settlement At a Glance

Aspect	Details
Settlement Amount	$190 million
Eligibility	U.S. residents affected by 2019 data breach
Claim Types	Out-of-pocket losses, time spent, identity protection
Deadline for Payments	Closed (as of Sept 30, 2022)
Ongoing Benefits	Free Identity Defense Services through February 2028
Settlement Website	CapitalOneSettlement.com

Background

In July 2019, a hacker accessed data belonging to nearly 100 million Capital One customers. That breach led to lawsuits and eventually a class-action settlement. Victims could claim compensation for out-of-pocket expenses, time spent resolving issues, or sign up for free credit monitoring.

Cash payments were distributed in 2023 and 2024. But even now, in 2025, free credit monitoring and identity restoration services are still available if you were affected.

Eligibility

You’re eligible for identity protection services through 2028 if:

• You received a data breach notice from Capital One.
• Your information was compromised in the breach.
• You didn’t file in time for monetary compensation, or you did but want continued monitoring.

Even if you never experienced actual fraud, you can still enroll for peace of mind.

Claim Status

If you already filed a claim, here’s how to check on your payment:

1. Visit the official website: CapitalOneSettlement.com
2. Provide your claim number or email and contact info
3. See if your claim was approved and if payment was issued

Payments

Payments were based on:

• Verified out-of-pocket losses (up to $25,000)
• Time spent recovering (up to 15 hours at $25/hour)
• Credit monitoring value

Most claimants received between $25 and $500, depending on their situation. If your claim was approved but you haven’t been paid, contact:

• Email: [email protected]
• Phone: 1-833-317-4821

Missed payments can happen due to wrong account info, mail errors, or processing delays.

Identity Protection

Still want protection? You’re covered until February 2028 — and it’s completely free.

Free Identity Monitoring

1. Go to: https://app.identitydefense.com/enrollment/activate/cap1
2. Use your unique activation code (or request one via phone)
3. Complete the form to get access to:

• Dark web scanning
• Real-time fraud alerts
• $1 million identity theft insurance
• 24/7 support from identity theft specialists

Victim of Identity Theft

Even if you didn’t enroll yet, you still have free access to recovery services.

• Call 505-896-7416
• Get help restoring accounts, disputing fraudulent charges, and securing your credit

The program provides expert support to help you through the entire identity recovery process.

What You Should Do Now

If you missed the claim deadline, don’t worry — there’s still value to be had from this settlement:

• Enroll in credit monitoring before the 2028 deadline
• Check your claim status if you previously filed
• Update your contact info with the settlement administrator if needed
• Use identity restoration services if you face any suspicious activity

Even though you can’t get cash anymore, the identity protection alone is worth hundreds per year — and it’s free through this settlement. So take advantage while you still can.

FAQs