Capital One is Now Paying $190 Million to Eligible U.S. Residents Affected by 2019 Data Breach that Opted-in by the Deadline

Zack Love
3 min readOct 27, 2023

Capital One is paying out $190 million to customers who were affected by identity theft or fraud as a result of the 2019 Capital One data breach.

Capital One; by Maryland GovPics, CC BY 2.0 DEED

Capital One agreed to pay a $190 million settlement to customers who opted-in to the settlement by the deadline as a result of a 2019 data breach, and those payments are going out now through November 27, 2023.

If you don’t receive a payment by November 27, then you will not be receiving one.

Capital One Class-Action Settlement Payments Are Going Out

WGAL 8 News reported that emails started going out late last week (the third week of October 2023) to the victims of the 2019 Capital One data breach. The email states exactly how much each member is getting paid in the class-action settlement.

It can vary by how each victim was affected in terms of financial losses, time lost, and identity defense services used.

One person was paid $707 after receiving a confirmation email of payment from ‘’ — which means that they opted-in to the settlement by the deadline.

What Happened in 2019?

The Washington Examiner reported that in 2019, a hacker gained access to the personal information of approximately 98 million Capital One users. Capital One announced in July 2019 that it was the victim of a criminal cyberattack on its systems.

Consumers brought numerous lawsuits against Capital One as a result of this data breach, and the lawsuits were overseen by Judge Anthony J. Trenga of the U.S. District Court for the Eastern District of Virginia

$190 Million Class-Action Settlement Agreed Upon

After a lengthy mediation process, both sides agreed to the settlement amount and the court granted final approval for a $190 million class-action settlement on September 13, 2022, to pay the out-of-pocket losses, lost time, identity defense services, account restoration services, and other expenses approved by the court.

The deadlines to file a claim with the Capital One Class Action Settlement were:

  • Filing a claim for lost time: September 30, 2022
  • Filing a claim for out-of-pocket losses: September 30, 2022
  • Filing a claim for identity defense services: September 30, 2022

If you filed a claim by the deadline, you are a “class member” and you would have received a notice with a Unique ID and PIN required to file a Claim Form.

If you are unsure if you are a class member, you can get confirmation by calling 1–855–604–1811 or emailing the plan administrator at:

If you joined this class action settlement by the deadline, payment will be sent by November 27, 2023, by check or digital payment.


Capital One Data Breach Class Action Settlement website.

Roche, Brian. “Victims paid in Capital One settlement.” WGAL 8 News. 25 October 2023.

Schilke, Rachel. “Class-action settlement: Capital One customers have less than a month to claim payment from $190 million settlement.” Washington Examiner. 24 October 2023.

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If you found this article helpful, this author has written more articles on other Class Action Settlements in the U.S. Check them out here.



Zack Love

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