$190M Capital One Settlement 2025: In 2019, Capital One was hit by one of the most significant data breaches in U.S. history, affecting nearly 98 million Americans. Fast forward to 2025, and many people are unaware that they can still benefit from the $190 million class action settlement — even if they missed the deadline to claim cash.
If you held a Capital One credit card or applied for one between September 1, 2015, and January 12, 2022, you may be eligible for five years of free identity protection services through 2028 — a powerful shield in today’s fraud-prone world.
$190M Capital One Settlement 2025
| Key Information | Details |
|---|---|
| Settlement Name | Capital One Data Breach Class Action Settlement |
| Settlement Amount | $190 million |
| Eligible Users | Anyone who applied for or held a Capital One account between Sept 1, 2015 – Jan 12, 2022 |
| Available Benefits (2025) | Free Identity Monitoring & Restoration Services |
| Enrollment Deadline | Services active until February 13, 2028 |
| Claim Deadline (Closed) | September 30, 2022 |
| Service Provider | Pango Identity Protection |
| Restoration Help | Available even without prior claim |
| Website to Enroll | www.capitalonesettlement.com |
The 2019 Capital One data breach may feel like old news, but the impact of stolen data can last a lifetime. That’s why the ongoing identity protection services available until 2028 are so important — and they’re completely free.
If you were a Capital One customer between 2015 and 2022, don’t miss this chance to protect yourself. With the rise in identity fraud and cybercrime, proactive security is the smartest move you can make today.
Understanding the Capital One Data Breach
In July 2019, a software engineer exploited a misconfigured firewall in Capital One’s cloud environment. The breach exposed:
- Personal data: Names, email addresses, and phone numbers
- Financial data: Credit scores, balances, limits, and payment histories
- Sensitive information: Social Security Numbers and linked bank accounts for select customers
Capital One immediately reported the breach and cooperated with federal authorities. A class action lawsuit followed, leading to the 2022 court-approved $190 million settlement.
Legal Background: What Was the Lawsuit About?
The class action suit, filed in the U.S. District Court for the Eastern District of Virginia, claimed Capital One failed to adequately protect customer data and should compensate victims. Capital One denied any wrongdoing but agreed to settle.
The final approval was granted in September 2022, allowing for both financial compensation and free credit monitoring services.
What Benefits Are Still Available in 2025?
While the deadline for cash reimbursements is long gone, free identity protection is still on the table — and it’s arguably the most valuable benefit. Here’s what you can still claim:
1. Identity Defense Services (Provided by Pango)
If you’re eligible, you get 5 years of services such as:
- Credit Monitoring
- Dark Web Surveillance
- Lost Wallet Protection
- ID Theft Insurance (Up to $1 million)
- US-Based Fraud Support Hotline
- Alerts for Suspicious Activity
All at zero cost — no credit card or signup fee required.
2. Identity Restoration Assistance
Even if you didn’t enroll in credit monitoring, you still get help if you fall victim to identity theft:
- Filing police reports
- Notifying credit bureaus
- Disputing fraudulent accounts
- Guidance on restoring credit history
Call 505-896-7416 to access these services.
What Is Pango? Can You Trust It?
Pango is a leading provider of identity protection services and part of the Aura family. They offer digital security tools, including antivirus, password managers, and VPNs. Their services are FTC-compliant and trusted by millions of users globally.
You’re not dealing with a random third party — Pango is a legitimate, reputable organization selected by the settlement administrator.
Who Is Eligible for Capital One Settlement?
You qualify if:
- You were a U.S. resident.
- You applied for or held a Capital One credit card or product between September 1, 2015 and January 12, 2022.
- You were notified of the breach or are included in the class.
Even if you didn’t file a compensation claim, you still qualify for identity restoration services and may be eligible to enroll in Pango’s 5-year protection plan.
Why You Should Still Enroll Now
Identity fraud is on the rise. According to the FTC, Americans lost $10.2 billion to fraud in 2023, with identity theft accounting for a large portion. Cybercriminals can sit on your data for years before using it.
Real-Life Scenario:
A user affected by the 2019 breach enrolled in monitoring. In 2023, they received a fraud alert that someone tried to open a store credit card in their name. Because of the alert, they froze their credit and stopped the scam before it escalated.
This is why protection still matters, even years later.
Simple Steps to Enroll (2025 Edition)
- Call 833-317-4821 to request your enrollment code
- Go to app.identitydefense.com/enrollment/activate/cap1
- Enter your code and details to activate services
- Start monitoring for suspicious activity and enjoy peace of mind
How to Stay Safe Beyond This Settlement
Here are additional steps you can take today:
- Use two-factor authentication on all accounts
- Create strong, unique passwords using a password manager
- Regularly check your credit report on AnnualCreditReport.com
- Don’t click suspicious links or attachments
- Freeze your credit if you’re not applying for loans
Remember: No service can prevent all fraud, but these steps drastically reduce your risk.
Check If You Were Involved in Other Breaches
Millions of people are involved in multiple data breaches without knowing it. You can check your exposure at:
HaveIBeenPwned.com — a free and safe tool that checks if your email or data appeared in breaches.
If you find your info there, look up if other settlements (e.g., Equifax, T-Mobile) are offering benefits too.
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FAQs About $190M Capital One Settlement 2025
Q1. Can I still claim cash?
No, the deadline for financial claims was September 30, 2022.
Q2. What if I never got a breach notice?
You may still be eligible. Call 833-317-4821 or visit the official site to verify.
Q3. Will I get 5 full years of protection if I enroll now?
No. Protection ends for everyone on February 13, 2028, so earlier enrollment means more coverage.
Q4. Is this a scam or marketing trick?
No. This is an official legal settlement. You will not be charged for the services. No credit card is needed.
