$2.4M Capital One FCRA Settlement, Automatic Payments for “Deceased” Reporting Victims (Final Approval March 2026)
Capital One agreed to pay $2.4 million to settle claims it violated the Fair Credit Reporting Act by failing to investigate disputes when customers were incorrectly reported as deceased to credit bureaus. The final approval hearing is scheduled for March 20, 2026, and eligible class members will receive automatic payments without filing a claim—but only if Capital One has your current address on file.
What the Capital One FCRA Settlement Is About
This settlement resolves allegations that Capital One violated federal law when it reported certain credit card customers as deceased to credit reporting agencies and then failed to properly investigate or correct these errors after receiving disputes from the credit bureaus. The lawsuit accused Capital One of violating the Fair Credit Reporting Act (FCRA) by failing to investigate disputes from credit reporting agencies that its customers were deceased, resulting in consumers being denied credit or charged higher interest rates.
The Fair Credit Reporting Act (FCRA) is a federal law that requires companies to maintain accurate credit information and conduct reasonable investigations when errors are disputed. When someone is incorrectly marked as deceased on their credit report, they typically face immediate and severe consequences: automatic loan denials, frozen accounts, inability to open new credit cards, and sometimes even difficulty renting apartments or securing employment.
Who Is Eligible for the Capital One Settlement
All natural persons who were reported as deceased by Capital One to credit reporting agencies based on information related to their credit card accounts and about whom Capital One received one or more disputes from the credit reporting agencies that were submitted between Aug. 13, 2019, and Dec. 3, 2025, and in response to one or more of those disputes, Capital One did not correct its deceased reporting are eligible for settlement payments.
You qualify if all three of these conditions apply to you: Capital One reported you as deceased to Equifax, Experian, or TransUnion based on your Capital One credit card account; one or more credit bureaus disputed this deceased status with Capital One between August 13, 2019, and December 3, 2025; and Capital One failed to correct the deceased reporting after receiving those disputes.
The case name is Kromrey, et al. v. Capital One N.A., Case No. 3:24-cv-00575-REP, in the U.S. District Court for the Eastern District of Virginia.
Settlement Amount and Payment Details
Class members will receive an equal share of the net settlement fund, with exact payment amounts varying depending on the number of participating class members and the amount deducted from the gross settlement fund for various fees and costs. No payment estimates are currently available.
Each eligible class member will receive a pro rata cash payment from the net settlement fund. This means the $2.4 million total will be divided equally among all eligible class members after deducting attorney fees, administrative costs, and other court-approved expenses. The more people who participate, the smaller each individual payment will be—but every eligible person receives the same amount.
How to Get Your Settlement Payment
Here’s the critical difference with this settlement: No claim form is required to benefit from the settlement. Class members who do not exclude themselves will automatically receive settlement benefits.
You do not need to file a claim or submit any documentation. If you’re eligible, you’ll automatically receive a payment check mailed to the address Capital One has on file for you. However, if your address has changed since your Capital One account was active, you need to update it.
To update your mailing address, you can submit your updated information online using the notice ID and PIN from your settlement notice if you received one, or contact the settlement administrator directly:
Settlement Administrator Contact Information:
- Website: CreditReportingSettlement.com
- Mail: Kromrey v Capital One, c/o Settlement Administrator, P.O. Box 23698, Jacksonville, FL 32241-3698
- Email: [email protected]
- Phone: 1-800-566-8119
If you never received a settlement notice but believe you’re eligible, contact the settlement administrator immediately to verify your class membership and ensure you receive payment.
Important Deadlines You Cannot Miss
Exclusion and Objection Deadline: February 18, 2026
The deadline for exclusion and objection is Feb. 18, 2026. If you want to exclude yourself from the settlement (opt out) to preserve your right to sue Capital One individually, or if you want to object to the settlement terms, you must do so by this date. Most class members should not exclude themselves—the settlement provides automatic payments without requiring you to hire an attorney or file a lawsuit.
Final Approval Hearing: March 20, 2026
The final approval hearing for the Capital One FCRA violations class action settlement is scheduled for March 20, 2026. The court will review the settlement, consider any objections, and decide whether to grant final approval. You don’t need to attend this hearing to receive your payment.
When Will Payments Be Distributed
The settlement administrator will issue payments to eligible class members approximately 65 days after the court grants final approval to the settlement. If the court approves the settlement on March 20, 2026, payments would likely be mailed in late May or early June 2026.
Class members will receive a paper check mailed to the address on file with Capital One. There are no electronic payment options for this settlement.
What Happens If You Do Nothing
If you’re eligible and do nothing, you’ll automatically receive a settlement payment as long as Capital One has your current mailing address. However, by accepting the settlement payment, you give up your right to sue Capital One individually for these specific FCRA violations related to deceased reporting during the class period.
If you miss the February 18, 2026 exclusion deadline, you cannot opt out later. If your address is incorrect and you don’t update it with the settlement administrator, your check may be returned as undeliverable, and you’ll need to contact the administrator to request a reissue.
What You Must Know About This Settlement
Your FCRA Rights Extend Beyond This Settlement
The Fair Credit Reporting Act provides powerful protections for consumers. While this settlement addresses Capital One’s failure to investigate deceased reporting disputes, you have separate rights if Capital One violated the FCRA in other ways. Under 15 U.S.C. § 1681, companies that furnish information to credit bureaus must follow reasonable procedures to ensure accuracy and must conduct proper investigations when consumers dispute errors.
If Capital One reported other inaccurate information about you (incorrect payment history, wrong account balances, accounts that aren’t yours), you may have separate legal claims not covered by this settlement. The settlement only releases claims related to deceased reporting disputes between August 13, 2019, and December 3, 2025.
Why No Claim Form Is Required (And Why That Matters)
Many class action settlements require claimants to submit detailed claim forms, proof of class membership, and supporting documentation. This settlement is different because Capital One’s own records clearly show which customers were reported as deceased and which accounts had disputes filed by credit bureaus.
The settlement administrator will use Capital One’s data to identify eligible class members and issue automatic payments. This is favorable for consumers because it eliminates the most common reason settlement money goes unclaimed—people simply forget to file claims or find the process too complicated. However, it also means you must ensure the settlement administrator can reach you at your current mailing address.
Accepting the Settlement Waives Future Claims
By accepting a settlement payment, you’re releasing Capital One from all claims related to these specific FCRA violations (deceased reporting failures during the class period). You cannot later file an individual lawsuit against Capital One for the same conduct. This is standard for class action settlements, but it’s important to understand what you’re giving up.
If you experienced severe damages from Capital One’s deceased reporting errors—such as losing a mortgage, being unable to refinance a home, or suffering significant financial harm beyond what the average class member experienced—you might receive more money by opting out and pursuing your own lawsuit with a consumer protection attorney. However, individual lawsuits carry risk and require hiring your own lawyer.
What to Do Next
Determine If You Qualify
Review the eligibility requirements: Were you reported as deceased by Capital One to a credit reporting agency based on your Capital One credit card account? Did this occur between August 13, 2019, and December 3, 2025? Did Capital One receive disputes from credit bureaus about the deceased status but fail to correct it?
If you’re not sure whether you qualify, contact the settlement administrator at 1-800-566-8119 or [email protected] with your account information.
Update Your Address
If you moved since closing your Capital One account or since the deceased reporting issue occurred, update your address with the settlement administrator immediately. This is the single most important action you can take to ensure you receive your payment.
Understand Your Options
You have three options: Do nothing and automatically receive a settlement payment (recommended for most class members); exclude yourself by February 18, 2026, if you want to preserve your right to sue Capital One individually; or object to the settlement by February 18, 2026, if you believe the settlement terms are unfair.
Access Official Resources
The settlement administrator’s phone line (1-800-566-8119) can answer questions about eligibility, payment amounts, and timeline. The U.S. District Court for the Eastern District of Virginia maintains the official court docket for Case No. 3:24-cv-00575-REP, which includes the settlement agreement, preliminary approval order, and other court filings.
For general information about your rights under the Fair Credit Reporting Act, visit the Consumer Financial Protection Bureau (CFPB) website or consult your state attorney general’s consumer protection office.
When to Consult an Attorney
Consider speaking with a consumer protection attorney who specializes in FCRA cases if you experienced significant damages beyond what the average class member suffered (job loss, foreclosure, severe emotional distress), you want to understand whether opting out and pursuing an individual claim might result in higher compensation, you need help correcting ongoing credit reporting errors not covered by this settlement, or you have questions about how accepting the settlement affects other legal rights.
Many FCRA attorneys offer free consultations and work on contingency (they only get paid if you win), so there’s no upfront cost to explore your options.
Frequently Asked Questions
What is the Capital One FCRA settlement about?
Capital One agreed to a $2.4 million class action lawsuit settlement to resolve claims it violated the Fair Credit Reporting Act (FCRA) by failing to properly investigate disputes indicating that certain customers were incorrectly reported as deceased to credit reporting agencies. The settlement compensates affected customers who were denied credit or charged higher interest rates as a result.
How much money will I receive from the settlement?
The exact amount depends on how many eligible class members participate and the costs deducted from the settlement fund. No payment estimates are available at this time. All eligible class members will receive equal pro-rata shares of the net settlement fund.
Do I need to file a claim to get paid?
No. No claim form is required to benefit from the settlement. Class members who do not exclude themselves will automatically receive settlement benefits. However, you should verify that the settlement administrator has your current mailing address.
What is the deadline to receive payment?
There is no claim deadline since no claim form is required. However, the deadline to exclude yourself or object to the settlement is February 18, 2026. The final approval hearing is March 20, 2026, and payments will be distributed approximately 65 days after final approval.
Can I still get paid if I no longer have a Capital One account?
Yes. The settlement covers anyone who was incorrectly reported as deceased by Capital One between August 13, 2019, and December 3, 2025, regardless of whether you currently have an account with Capital One.
What if I never knew I was reported as deceased?
You may still be eligible. Contact the settlement administrator at 1-800-566-8119 or [email protected] to verify whether you’re included in the class. They can check Capital One’s records to determine if you qualify.
Does accepting the settlement affect my credit report?
The settlement itself does not impact your credit report. However, if Capital One previously reported you as deceased and has since corrected that error, accepting the settlement prevents you from suing Capital One later for damages related to that deceased reporting during the class period.
Last Updated: January 17, 2026
Disclaimer: This article provides general information only and does not constitute legal advice. If you have questions about your specific situation or legal rights, consult a qualified attorney.
Call to Action: If you were incorrectly reported as deceased by Capital One between 2019 and 2025, verify your mailing address with the settlement administrator before February 18, 2026, to ensure you receive your automatic payment. For questions about your FCRA rights or whether you should opt out of the settlement, consider consulting a consumer protection attorney.
Stay informed, stay protected. — AllAboutLawyer.com
About the Author
Sarah Klein, JD, is a licensed attorney and legal content strategist with over 12 years of experience across civil, criminal, family, and regulatory law. At All About Lawyer, she covers a wide range of legal topics — from high-profile lawsuits and courtroom stories to state traffic laws and everyday legal questions — all with a focus on accuracy, clarity, and public understanding.
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