All Capital One Class Action Lawsuits 2026, Every Active Settlement, Claim Forms, and Deadlines
Capital One faces four active class action settlements in 2026 covering savings account interest rates, affiliate marketing, credit reporting errors, and a now-closed 2019 data breach case. Whether you are a 360 Savings account holder, a content creator, or someone wrongly reported as deceased to a credit bureau, this guide covers every open settlement, what you can claim, and exactly when to act.
Quick Overview: All Active Capital One Settlements at a Glance
| Settlement | Amount | Claim Needed? | Deadline | Status |
| 360 Savings Interest Rate | $425M | No — automatic | March 30, 2026 (payment selection) | Pending final approval April 20, 2026 |
| Affiliate Marketing / Shopping | ~$4M | Yes | April 17, 2026 | Preliminarily approved |
| FCRA “Wrongly Reported Deceased” | $2.4M | No — automatic | Passed (Feb 18, 2026 opt-out) | Final hearing March 20, 2026 |
| 2019 Data Breach | $190M | Closed Sept 2022 | Closed | Free monitoring still available until Feb 2028 |
Settlement 1: $425 Million — Capital One 360 Savings Account Interest Rate
This is the largest and most important active Capital One settlement for consumers in 2026. For a full history and background on this case, see our detailed coverage of the Capital One 360 Savings Account Class Action Lawsuit.
What It’s About
The lawsuit alleges that Capital One failed to raise interest rates on the 360 Savings account commensurate with rates paid on the 360 Performance Savings account, deceptively marketed the 360 Savings account, and concealed that 360 Savings was no longer Capital One’s high-yield online savings account and concealed the existence of the 360 Performance Savings account — and its higher interest rate — to 360 Savings accountholders.
The current version is a revised settlement with updated 2026 deadlines, after a prior settlement proposal was rejected at a court hearing on November 6, 2025.
Who Is Eligible
Consumers who had a Capital One 360 Savings account at any point between September 18, 2019, and June 16, 2025, may be eligible to receive a cash payment from the $425 million settlement. This includes current and former account holders. The settlement also applies to joint and co-holders, but only the primary account holder will receive any available settlement payment for each account.
What You Get
The revised settlement provides two main benefits: a $425 million settlement fund to pay cash payments to current and former 360 Savings accountholders, and an interest rate match benefit for current 360 Savings accountholders, designed to treat them the same as 360 Performance Savings accountholders for at least two years after the settlement becomes effective.
Payments are calculated based on the difference between what you actually earned and what you would have earned at the 360 Performance Savings rate during the class period.
No Claim Form Required — But Action Is Needed
No claim form is required. Payments are automatic for eligible class members based on Capital One’s records. If your payment is $5 or more and you do not choose electronic payment, a check is expected to be mailed to your last known address. If your payment is less than $5, you will only receive it if you select electronic payment by the deadline.
Key action required: To select your method of payment and/or update your mailing address, visit CapitalOne360SavingsAccountLitigation.com.
Key Deadlines
- Payment selection / address update deadline: March 30, 2026
- Opt-out deadline: March 30, 2026
- Objection deadline: March 30, 2026
- Final approval hearing: April 20, 2026 at 11:00 a.m. EDT
- Estimated payment distribution: Most eligible customers will likely see their money arrive between May and June 2026 if the judge grants final approval at the April 20 hearing.
Official Website and Contact
- Website: CapitalOne360SavingsAccountLitigation.com
- Phone: 1-888-832-2704
Settlement 2: ~$4 Million — Capital One Shopping Affiliate Marketing Commission
What It’s About
Capital One has agreed to pay approximately $4 million to resolve allegations that its Shopping browser extension diverted affiliate commissions from content creators. The claim deadline is April 17, 2026.
The creators alleged that the Capital One Shopping browser extension, which has more than 10 million users, erroneously reflected Capital One as the source of referral traffic at checkout, making it appear as if consumers had clicked the bank’s referral links before making purchases. This allegedly enabled Capital One to collect millions of dollars in commissions that rightfully belonged to bloggers, influencers, YouTubers, and other content creators.
Who Is Eligible
The Settlement Class consists of all persons (including entities) in the United States who participated in an affiliate commission program with an online merchant that also partnered with Capital One Shopping between January 6, 2020, and December 18, 2025, and who were involved in a transaction in which Capital One Shopping was also involved.
This includes bloggers, YouTubers, podcasters, social media influencers, website owners, and any other online publisher who earns commissions through affiliate marketing programs.
What You Get
Two payment options are available — you may only choose one:
Proof Payment (full commissions): Settlement Class Members who can demonstrate qualifying transactions by submitting a valid Proof Payment Claim Form will receive the amount of commission received by Capital One Shopping for all qualifying transactions posted on or after November 1, 2023.
Alternative Payment ($20 flat): Capital One class members without proof, or whose transactions occurred prior to November 1, 2023, may instead file a claim form for an alternative $20 cash payment. Capital One must be able to sufficiently indicate, based on its information, that the class member was affiliated with the commission program.
Claim Form Required — Yes
Class members can file the online claim form or download, print, and complete the PDF claim form and mail it to the settlement administrator.
What information you need to provide: You must provide your name and contact information, your Social Security Number or Taxpayer Identification Number, information sufficient to demonstrate that you partnered with a merchant that also partnered with Capital One Shopping using the same affiliate network, and information sufficient to demonstrate that you have a qualifying transaction in the Capital One Shopping data, including your trade name, publisher ID, affiliate ID, URLs, and/or click IDs.
Key Deadlines
- Claim form deadline: April 17, 2026 (online or postmarked by mail)
- Opt-out deadline: April 17, 2026
- Objection deadline: April 17, 2026
- Final approval hearing: June 10, 2026
Official Website and Contact
- Website: InfluencerMarketingClaims.com
- Phone: 1-877-837-7976
- Email: [email protected]
- Mail claims to: Capital One Shopping Settlement Administrator, PO Box 2019, Portland, OR 97208-2019
Settlement 3: $2.4 Million — Capital One FCRA “Wrongly Reported Deceased”
What It’s About
The Capital One class action lawsuit alleged that the banking giant wrongfully reported some of its credit card holders as deceased to several credit reporting agencies and failed to investigate the errors despite receiving disputes, in violation of the Fair Credit Reporting Act.
Being reported as deceased to a credit bureau causes serious real-world harm — credit cards get frozen, loan applications are denied, and financial accounts are flagged or closed.
Who Is Eligible
The deal covers approximately 1,142 people who were reported as deceased by Capital One to credit reporting agencies based on information related to their credit card accounts, about whose credit card accounts Capital One received one or more disputes from credit reporting agencies between August 13, 2019 and December 3, 2025, and for whom Capital One did not correct the “deceased” credit reporting in response to the disputes.
What You Get
No claim form is required to benefit from the settlement. Class members who do not exclude themselves will automatically receive settlement benefits. Payment amounts are pro-rated based on the net settlement fund after attorneys’ fees and costs.
No Claim Form Required
Payments are fully automatic for identified class members. Capital One’s records identify eligible individuals directly.
Key Deadlines
- Opt-out deadline: February 18, 2026 (passed)
- Final approval hearing: March 20, 2026
- Payment distribution: After final approval and resolution of any appeals
Official Website and Contact
- Website: CreditReportingSettlement.com
- Mail: Kromrey v Capital One c/o Settlement Administrator (address listed on official site)
Settlement 4: $190 Million — 2019 Capital One Data Breach (CLOSED for New Claims)
Status: Claim Filing Closed — Free Monitoring Still Available
The Order and Judgment Granting Final Approval of Class Action Settlement was granted on September 13, 2022. The deadline to file a claim for Lost Time or Out-of-Pocket Losses was September 30, 2022. All payment activities to Claimants in this Settlement have completed and no further payment reissue requests will be accepted.
If you missed the 2022 claim deadline, you cannot receive a cash payment. However, you can still access free protective services.
What Is Still Available (Free — No Deadline)
The only active benefits currently available to Settlement Class Members are Identity Defense Services and Restoration Services provided by the Settlement, which have been extended through February 13, 2028.
To enroll in free Identity Defense Services: Contact Pango at 833-317-4821 (Monday through Friday from 8 a.m. to 11 p.m. ET and Saturday from 9 a.m. to 6 p.m. ET) to obtain an enrollment code and then visit https://app.identitydefense.com/enrollment/activate/cap1 to enroll.
Free Restoration Services (no enrollment needed): All Settlement Class Members, even those who did not enroll in Identity Defense Services or did not submit a claim, will be entitled to utilize Restoration Services offered through Pango until February 13, 2028. Settlement Class Members may access these free Restoration Services by calling 505-896-7416.
Official Website
- Website: CapitalOneSettlement.com
Action Checklist: What to Do Right Now
Use this checklist based on which Capital One settlement applies to you:
360 Savings Account ($425M):
- ✅ Check eligibility — did you hold a 360 Savings account between September 18, 2019 and June 16, 2025?
- ✅ Visit CapitalOne360SavingsAccountLitigation.com by March 30, 2026
- ✅ Select your preferred payment method (electronic is fastest)
- ✅ Update your mailing address if it has changed
Affiliate Marketing (~$4M):
- ✅ Confirm you participated in affiliate programs with merchants also partnered with Capital One Shopping between January 6, 2020 and December 18, 2025
- ✅ Gather your publisher IDs, affiliate IDs, URLs, and transaction data
- ✅ File your claim at InfluencerMarketingClaims.com by April 17, 2026
FCRA “Wrongly Reported Deceased” ($2.4M):
- ✅ If you were notified by the settlement administrator, no action needed — payment is automatic
- ✅ Do not opt out if you want to receive payment
2019 Data Breach ($190M — Closed):
- ✅ Visit CapitalOneSettlement.com or call 505-896-7416 to enroll in free Restoration Services (available through February 13, 2028)
Frequently Asked Questions
How many Capital One class action settlements are active in 2026?
There are three currently active settlements with open deadlines: the $425M 360 Savings account interest rate settlement (deadline March 30, 2026), the ~$4M affiliate marketing settlement (deadline April 17, 2026), and the $2.4M FCRA wrongful deceased reporting settlement (final hearing March 20, 2026). The 2019 data breach settlement is closed for new claims but still offers free identity monitoring through February 2028.
Do I need to file a claim form for the $425M Capital One settlement?
No claim form is required. Payments are automatic for eligible class members based on Capital One’s records. However, you should visit CapitalOne360SavingsAccountLitigation.com by March 30, 2026 to select your payment method and ensure your address is current.
Who qualifies for the Capital One affiliate marketing settlement?
If you are a blogger, YouTuber, social media influencer, or any kind of affiliate marketer who earned commissions by promoting products online between January 2020 and December 2025, this settlement may apply to you. A claim form is required at InfluencerMarketingClaims.com.
When will Capital One 360 Savings settlement payments be sent?
The settlement administrator will issue payments to eligible class members approximately 90 days after the court grants final approval of the settlement. With the final approval hearing on April 20, 2026, payments are expected to begin between July and August 2026 if no appeals are filed.
Can I still get money from the 2019 Capital One data breach?
The claim filing period, payment reissue period, and other administrative options are now closed. No cash payments are available. However, free Identity Defense and Restoration Services remain available to all class members through February 13, 2028 — even if you never filed a claim.
Last Updated: March 4, 2026. This article is for informational purposes only and does not constitute legal advice. Legal claims and outcomes depend on specific facts and applicable law. For advice regarding a particular situation, consult a qualified attorney.
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.
Her writing blends real legal insight with plain-English explanations, helping readers stay informed and legally aware.
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