Updated
October 15, 2024
The Capital One data breach and representment-fee settlements have already paid out — here is who qualified, how payments were sent through EpiqPay, and when the last checks went out.
Capital One Settlement 2024 — Check Payment Date & Eligibility
The Capital One Settlement of 2024 addresses two distinct legal matters:• A substantial $190 million agreement resolving the 2019 cybersecurity incident that affected nearly 100 million customers
• A $16 million settlement concerning Capital One's practice of levying representment fees on transactions that initially failed but subsequently cleared due to insufficient funds
Status
Payments Completed
second round began September 4, 2024
Settlement
$190M breach + $16M fees
2019 data breach & representment-fee cases
Estimated Payout
$700+ (data breach)
representment-fee amounts varied by claims filed
Claim Form
Closed
Who qualifies for compensation under this settlement?
Eligibility criteria differ for each part of the settlement:• Representment fees: Individuals who maintained a Capital One account from September 1, 2015, to January 12, 2022, and incurred representment fees during this timeframe
• Data breach: U.S. residents whose personal information was compromised in the 2019 cybersecurity incident
When can I expect to receive my settlement payment?
The distribution timeline is as follows:• The second wave of payments commenced on September 4, 2024
• Most eligible participants should receive their compensation within a 60-day window following the final approval hearing, which took place on July 15, 2024
What is the anticipated payout amount?
The compensation varies based on the specific settlement:• Data breach claimants may receive $700 or more, depending on individual circumstances
• Representment fees settlement amounts fluctuate based on the fees incurred and the total number of valid claims submitted
How will settlement payments be distributed?
Payment methods vary depending on your current relationship with Capital One:• Active account holders will see credits applied directly to their accounts
• Former customers will receive physical checks
• Some claimants may have the option to select digital payment methods such as Zelle, Venmo, or PayPal
I've received an EpiqPay Payment Notice. What steps should I take?
To claim your payment through EpiqPay:• Locate the 'Claim Payment' link within the notification email
• Click the link before the specified expiration date
• Select your preferred payment method from the options provided
• Follow the prompts to complete the payment process
Is it possible to receive a paper check instead of a digital payment?
Yes, you can opt for a paper check:• Any unclaimed digital payments will automatically be converted to checks
• These checks will be mailed to the address on file after the EpiqPay claim period ends
• Expect these checks to be dispatched around November 2024
My legal name has changed since the check was issued. How can I address this?
To obtain a replacement check reflecting your new name:• Void the original check you received
• Send it back along with documentation proving your name change (e.g., marriage certificate)
• Include a written request for a new check
• Mail all items to the Settlement Administrator at the address provided in your settlement communication
Are there any additional benefits included in this settlement?
The Capital One data breach class action settlement offers extra protections:• Complimentary Identity Defense Services for up to five years, available through February 13, 2028
• Access to no-cost fraud resolution specialists until February 13, 2028, even for those who didn't opt for the Identity Defense Services
Could there be additional payments from this settlement in the future?
The current status of future payments:• The second round of distributions has already been completed
• No decision has been made regarding any residual funds
• Any updates or changes will be announced on the official settlement website
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Filing Class Action Settlement Claims
Please note that your claim form will be rejected if you submit a settlement claim for payout with any fraudulent information. By providing this information and your sworn statement of its veracity, you agree to do so under the penalty of perjury. You would also be harming others that actually qualify for the class action settlement. If you are not sure whether or not you qualify for this class action settlement, visit the class action administrator's website below. OpenClassActions.com is only providing information and is not a class action administrator or a law firm. OpenClassActions is a participant in the Amazon affiliate advertising program and this post may contain affiliate links, which means we may earn a commission or fees if you make a purchase via those links.
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