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No Proof Required

$425M Capital One 360 Savings account class action settlement

Varies
Max Payout
Oct 02, 2025
Filing Deadline
No
Proof Required?
Capital One agreed to pay $425 million to settle a class action lawsuit alleging the bank failed to raise interest rates on its 360 Savings accounts while increasing rates on its competing 360 Performance Savings accounts. The lawsuit claimed Capital One concealed this discrepancy from account holders, causing them to earn less interest than they should have. Anyone who maintained a Capital One 360 Savings account between September 18, 2019, and June 16, 2025, was eligible for compensation without needing to file a claim form.
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Who Is Eligible?

You may be eligible to file a claim if you:

    To qualify for this settlement, you must have: - Maintained a Capital One 360 Savings account - During the period between September 18, 2019, and June 16, 2025 No proof of purchase or claim form was required. The settlement operated on an automatic distribution basis — eligible account holders received payments without submitting claim forms as long as they did not exclude themselves from the settlement.

How Much Can You Get?

The total settlement fund was $425 million. Payouts varied based on the interest rate differential each account holder experienced. The settlement included two components: cash payments reflecting missed interest, plus an additional $125 million in interest payments for those who maintained their accounts through the deadline.

How to File Your Claim

Filing your claim is quick and easy:

    This settlement's claim deadline of October 2, 2025 has passed. While you can no longer file a claim, you can download Class Action Buddy to get notified about similar future settlements.

💡 Easier way: File with Class Action Buddy

Skip the paperwork. Our app auto-fills your claim form with your saved profile and submits it electronically in under 2 minutes.

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Frequently Asked Questions

What is the deadline to file a claim for the $425M Capital One 360 Savings account class action settlement?

The current deadline to file a claim is Oct 02, 2025. Note: claims sent by mail must be postmarked by this date, and Class Action Buddy ships claim forms with a 7-day mailing buffer to ensure on-time delivery.

How much can I receive from the $425M Capital One 360 Savings account class action settlement?

The maximum payout per eligible claimant is up to Varies. Actual payments may be lower depending on the total number of valid claims filed and the available settlement fund.

Do I need proof of purchase for the $425M Capital One 360 Savings account class action settlement?

No — this is a no-proof-required settlement. You can file a claim based solely on your sworn declaration without receipts, photos, or product packaging.

How do I file a claim for the $425M Capital One 360 Savings account class action settlement?

You have two options: (1) Use the free Class Action Buddy mobile app — set up your profile once and the app auto-fills the PDF claim form, captures your signature, and submits the claim by mail on your behalf. (2) File directly with the settlement administrator using the official claim form linked on this page.

Who is eligible for the Capital One 360 Savings settlement?

Account holders who had Capital One 360 Savings accounts during the class period and were potentially affected by the interest rate practices described in the lawsuit may be eligible for compensation.

How much money can I get from the Capital One settlement?

Individual payout amounts haven't been determined yet, but the $425 million total settlement suggests meaningful compensation for eligible account holders. The exact amount will depend on factors like your account history and the total number of claims filed.

When is the deadline to file a Capital One 360 Savings claim?

The claim deadline has not been announced yet. Settlement details including filing deadlines are still being finalized. Using Class Action Buddy can help ensure you don't miss important deadlines when they're announced.

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