Who Qualifies for the 2025 Capital One Settlement? In 2019, Capital One experienced one of the largest data breaches in U.S. banking history, affecting approximately 98 million Americans. Personal information including names, addresses, credit scores, bank account numbers, and even Social Security numbers were compromised. The aftermath led to a $190 million class-action settlement aimed at compensating affected consumers and providing protective services. As of 2025, while the window to claim direct financial compensation has closed, millions of consumers are still eligible for valuable identity protection services—free of charge. This article walks you through everything you need to know: who qualifies for the 2025 Capital One Settlement, what benefits are still available, how to enroll, and how to protect your identity going forward.
Who Qualifies for the 2025 Capital One Settlement?
The 2025 Capital One Settlement continues to offer valuable protection for consumers affected by one of the largest data breaches in banking history. While the time for financial reimbursement has passed, identity protection and recovery services remain available through 2028. If you were affected and haven’t enrolled, now is the time. Take proactive steps to safeguard your identity—and protect your future.
| Aspect | Details |
|---|---|
| Incident | 2019 Capital One Data Breach |
| Affected Individuals | Approximately 98 million U.S. consumers |
| Settlement Amount | $190 million |
| Claim Filing Deadline | September 30, 2022 (closed) |
| Current Benefits | Identity Defense & Restoration Services through February 13, 2028 |
| Official Site | capitalonesettlement.com |
Background: What Happened in the Capital One Data Breach?
In July 2019, Capital One revealed a cybersecurity breach that exposed sensitive data from credit card applications dating as far back as 2005. The breach was executed by a former tech employee who gained access through a misconfigured firewall. It compromised personal information of millions, including:
- Names, addresses, phone numbers
- Email addresses and birthdates
- Credit scores and credit limits
- Social Security numbers (140,000+ people)
- Linked bank account numbers (80,000+ people)
Capital One quickly fixed the vulnerability, but the scale of the breach prompted legal action and led to a $190 million class-action settlement.
Settlement Overview
The Capital One settlement was finalized in September 2022. It provided:
- Reimbursement for out-of-pocket expenses (up to $25,000)
- Compensation for lost time (up to $250)
- Free identity protection and monitoring services through 2028
While the deadline to file for financial claims expired on September 30, 2022, identity protection services are still available and highly recommended.
Who Qualifies for the 2025 Capital One Settlement?
You are eligible if:
- You applied for or had a Capital One credit card between 2005 and early 2019
- Your personal data was accessed in the breach (you should have received a notification from Capital One)
- You live in the United States
Even if you did not submit a claim by the 2022 deadline, you still qualify for ongoing Identity Defense Services and Restoration Services through February 13, 2028.
How to Enroll in Identity Protection Services?
Step 1: Obtain an Enrollment Code
Call Pango (the identity protection provider) at 833-317-4821.
- Monday–Friday: 8 a.m. to 11 p.m. ET
- Saturday: 9 a.m. to 6 p.m. ET
Step 2: Enroll Online
Visit https://app.identitydefense.com/enrollment/activate/cap1
- Enter your unique code
- Set up your account and enable monitoring tools
These services are provided free of charge to affected consumers.
What Services Are Included?
Identity Defense Services
- Dark Web Monitoring: Scans for personal info (emails, SSNs, etc.) on illicit marketplaces
- Credit Monitoring: Tracks changes to your credit file and alerts you to suspicious activity
- Lost Wallet Protection: Helps replace lost/stolen IDs, cards, and documents
- Security Freezes: Allows you to lock/unlock your credit reports instantly
- Identity Theft Insurance: Coverage up to $1 million for eligible identity theft-related expenses
Restoration Services
If you’re a victim of fraud or identity theft, call 505-896-7416 to get help from a U.S.-based fraud resolution specialist.
They’ll assist with:
- Placing fraud alerts
- Filing identity theft reports
- Working with law enforcement
- Resolving fraudulent accounts and disputes
These services are available even if you didn’t sign up for Identity Defense Services.
Pro Tips: How to Protect Your Identity After a Data Breach
Even if you weren’t directly affected by the Capital One breach, here are smart steps to protect your identity:
1. Monitor Bank and Credit Card Statements
Look for unauthorized transactions and report them immediately.
2. Use Multi-Factor Authentication (MFA)
Enable MFA on all online accounts, especially financial and email services.
3. Place a Fraud Alert or Credit Freeze
Contact any of the three major credit bureaus (Equifax, Experian, TransUnion) to set up a fraud alert or credit freeze.
4. Use Strong Passwords
Use unique passwords for each account. Consider using a password manager like LastPass or 1Password.
5. Check Your Credit Report Regularly
Get a free credit report every 12 months at AnnualCreditReport.com
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FAQs About Who Qualifies for the 2025 Capital One Settlement?
Who qualifies for the 2025 Capital One Settlement?
Anyone whose personal data was compromised in the 2019 breach qualifies. This includes those who applied for or held a Capital One credit card during the breach period.
Can I still file a claim for financial compensation?
No. The deadline for financial claims expired on September 30, 2022.
What can I still get from the settlement?
You can access free Identity Defense Services and Restoration Services until February 13, 2028.
Is the identity protection really free?
Yes. Capital One is covering the cost for eligible consumers as part of the settlement agreement.
What if I notice fraud now?
Call 505-896-7416 to speak with a fraud specialist. They’ll guide you through reporting and recovering from identity theft.
