Capital One Data Breach Settlement: Updated Details in 2025

In 2019, Capital One experienced one of the largest data breaches in U.S. banking history. Personal data for more than 98 million people, including names, addresses, Social Security numbers, and bank account information, was compromised. The incident resulted in a $190 million class action lawsuit and prompted the creation of a settlement program to provide identity protection services. This Capital One data breach settlement aims to help affected individuals. If you were impacted, knowing your rights under the Capital One data breach settlement is important.

In 2025, many people will still qualify for free tools to help guard against fraud, even if they missed the payout deadline.  So, who can still claim benefits from the Capital One data breach settlement, and what’s next? This article explains all the key Capital One data breach settlement benefits, who qualifies, and how to protect your identity in the future.

What Happened in the Capital One Data Breach?

A hacker got into Capital One’s systems in March 2019 and accessed people’s personal information, including that of customers and credit card applicants. The breach wasn’t discovered until four months later, giving the hacker plenty of time to access sensitive details. While login info and full credit card numbers weren’t stolen, other private data was exposed.

Here’s a quick breakdown of what was stolen:

• Around 140,000 U.S. Social Security numbers
• About 80,000 U.S. bank account numbers
• Names, addresses, phone numbers, and birth dates
• Credit scores, balances, and transaction history
• 1 million Canadian customers had their Social Insurance Numbers exposed

Capital One Settlement Data Breach Key Details (2025)

Here’s a look at the most important facts:

Detail	Info
Data Breach Year	2019
Total Affected	98+ million
Capital One data breach settlement amount	$190 million
Claim Deadline for Money	September 30, 2022 (closed)
Ongoing Services	Free identity protection
Service End Date	February 13, 2028

Who Still Qualifies for the Capital One 2025 Data Breach Settlement?

Consumers whose personal data was exposed during the 2019 breach qualify for the 2025 settlement. So, eligibility includes individuals who:

• Applied for or had a Capital One credit card between 2005 and early 2019.
• Had their data accessed during the breach (those who received a notification from Capital One).
• Reside in the United States.

Even if you missed the 2022 financial claim deadline, you still qualify for free identity protection services until 2028. So, there is still an opportunity to access valuable protections if you haven’t enrolled yet.

What Are Free Services Still Available in 2025?

Even though money payouts are done, the identity protection tools are still free. These include:

Identity Protection Services:

• Dark Web Monitoring: It scans illicit websites or marketplaces for personal information and alerts you if your data is found.
• Credit Monitoring: A tool that tracks your credit activity, helping you spot suspicious changes in your credit report.
• Lost Wallet Protection: Helps you replace lost or stolen IDs, cards, and other important documents.
• Identity Theft Insurance: Coverage for expenses related to identity theft, offering up to $1 million in protection.
• Security Freezes: Allows you to lock your credit reports, making it harder for fraudsters to open new accounts in your name.

Restoration Services:

If you fall victim to identity theft or fraud, you can get help from U.S.-based fraud specialists. These experts assist with the following:

• Filing identity theft reports and placing fraud alerts.
• Resolving fraudulent accounts or disputes.
• Working with law enforcement to recover stolen funds or accounts.

Even if you haven’t signed up for identity protection services, restoration services are available to help you recover from any fraud you experience.

How to Enroll in Identity Protection Services?

Signing up is simple and free. Here’s how:

• Call the Capital One settlement phone number at 833-317-4821 to get your code.
• Go to identitydefense.com.
• Enter your code and create your account.

Once you set everything up, your data will be monitored 24/7. These tools are part of the Capital One data breach settlement claim package. They cost nothing and protect a lot.

Enrolment in 2025 for Capital One Data Breach Settlement

Identity theft can happen anytime, even years after a data breach. Stolen information from the 2019 incident may still be available on the dark web. Hackers often wait before using personal data, so the risk remains real in 2025.

These free tools can alert you to unusual activity and help stop fraud before it worsens. Hence, taking action now can protect personal and financial information for years.

Pro Tips to Protect Your Identity

While the Capital One lawsuit gave people great tools, you can do more to stay safe:

• Watch your bank and credit card statements: Report anything strange
• Use strong, different passwords: A password manager helps
• Turn on multi-factor login: Adds extra security
• Get free credit reports: Visit annualcreditreport.com
• Place a credit freeze: Stops others from opening accounts in your name

Even if you didn’t lose money in the breach, these steps help guard your future.

Conclusion

The Capital One data breach settlement continues to help millions, even in 2025. Although the deadline for financial claims ended in 2022, free identity protection services are still active. You may still qualify if you had a Capital One credit card or applied for one between 2005 and early 2019. Credit monitoring, dark web scans, and fraud support can protect you from future risks at no cost.

This is your chance to stay ahead of identity theft. Hence, the Capital One data breach settlement benefits include long-term coverage through 2028, and enrolling is quick and easy. Data breaches can cause long-term damage, so taking action now is important. Check if you qualify, call the Capital One settlement phone number, and get the protection you deserve.

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