In July 2019, Capital One experienced a significant data breach, compromising the personal information of approximately 98 million U.S. consumers. This incident led to a class-action lawsuit, culminating in a $190 million settlement approved in 2022. While the claims filing period has concluded, certain benefits remain accessible to affected individuals.
Overview of the Capital One Data Breach Settlement
The settlement addressed the unauthorized access to sensitive consumer data, including Social Security numbers, bank account details, and personal identifiers. Capital One agreed to a $190 million settlement to compensate affected consumers and implement measures to enhance data security.
Available Benefits for Settlement Class Members
Although the deadline for filing claims has passed, eligible individuals can still access specific benefits:
- Identity Defense Services: Settlement Class Members are entitled to free identity protection services, including credit monitoring and fraud detection, extended through February 13, 2028.
- Restoration Services: Regardless of prior claim submissions, all Class Members have access to identity restoration services to assist in recovering from identity theft incidents.
How to Enroll in Identity Defense Services
To utilize the Identity Defense Services:
- Obtain an Enrollment Code: Contact Pango at 833-317-4821 (Monday through Friday, 8 a.m. to 11 p.m. ET; Saturday, 9 a.m. to 6 p.m. ET) to receive your unique enrollment code.
- Activate the Service: Visit CAPITAL ONE SETTLEMENT and enter your enrollment code to initiate the service.
Important Considerations for Affected Consumers
- Expired Claim Filing Period: The deadlines for submitting claims for out-of-pocket losses or lost time have passed, and no further claims are being accepted.
- Second Payment Distribution: Eligible claimants who accepted their initial payment received a second payment beginning on September 4, 2024. The reissue period for initial payments has ended.
- Ongoing Vigilance: Remain alert to potential identity theft or fraud. Regularly monitor your financial accounts and credit reports for any suspicious activity.
| Benefit | Description | Availability | Enrollment Required | Contact Information |
|---|---|---|---|---|
| Identity Defense Services | Free credit monitoring and fraud detection services | Through February 13, 2028 | Yes | Pango: 833-317-4821 |
| Restoration Services | Assistance with identity theft recovery | Ongoing | No | Pango: 833-317-4821 |
By taking advantage of the available Identity Defense and Restoration Services, affected consumers can better protect themselves against potential identity theft and fraud resulting from the data breach. Staying informed and proactive is crucial in safeguarding personal information.
FAQs
Are Restoration Services available to all affected individuals?
Yes, Restoration Services are available to all Settlement Class Members, regardless of whether a claim was previously submitted.
Is it still possible to file a claim for out-of-pocket losses or lost time?
No, the claim filing period has ended, and no further claims are being accepted.
What should I do if I missed the initial and second payment distributions?
The reissue periods for both payments have concluded. If you did not claim or cash the initial payment, you are not entitled to a second payment and will not receive money from this settlement.
How long will the Identity Defense Services be available?
The Identity Defense Services have been extended through February 13, 2028.
