$2.4M Capital One FCRA violations class action settlement

Capital One agreed to a $2.4 million class action lawsuit settlement to resolve claims it violated the Fair Credit Reporting Act (FCRA) by failing to properly investigate disputes indicating that certain customers were incorrectly reported as deceased to credit reporting agencies.

The Capital One settlement benefits individuals who were reported as deceased by Capital One based on information related to their credit card accounts and whose accounts were disputed by Capital One with credit reporting agencies between Aug. 13, 2019, and Dec. 3, 2025.

Plaintiffs in the class action lawsuit accused Capital One of violating the FCRA by failing to investigate disputes from credit reporting agencies that its customers were deceased. As a result of this failure, consumers were allegedly harmed when they were denied credit or charged higher interest rates.

Capital One is a bank that offers a variety of financial products, including credit cards.

Capital One has not admitted any wrongdoing but agreed to a $2.4 million class action lawsuit settlement to resolve the FCRA violations.

Under the terms of the Capital One settlement, class members can receive a cash payment.

Class members will receive an equal share of the net settlement fund. Exact payment amounts will vary depending on the number of participating class members and the amount deducted from the gross settlement fund for various fees and costs. No payment estimates are available at this time.

The deadline for exclusion and objection is Feb. 18, 2026.

The final approval hearing for the Capital One FCRA violations class action settlement is scheduled for March 20, 2026.

No claim form is required to benefit from the settlement. Class members who do not exclude themselves will automatically receive settlement benefits.

Who’s Eligible

All natural persons who were reported as deceased by Capital One to the credit reporting agencies based on information related to their credit card accounts and about whom Capital One received one or more disputes from the credit reporting agencies that were submitted between Aug. 13, 2019, and Dec. 3, 2025, and in response to one or more of those disputes, Capital One did not correct its deceased reporting.

Potential Award

TBD

Proof of Purchase

N/A

Exclusion and Objection Deadline

02/18/2026

Case Name

Kromrey, et al. v. Capital One N.A., Case No. 3:24-cv-00575-REP, in the U.S. District Court for the Eastern District of Virginia

Final Hearing

03/20/2026

Settlement Website

CreditReportingSettlement.com

Claims Administrator

Kromrey v Capital One
c/o Settlement Administrator
P.O. Box 23698
Jacksonville, FL 32241-3698
[email protected]
800-566-8119

Class Counsel

Kristi Kelly
Andrew Guzzo
Casey Nash
Pat McNichol
Matt Rosendahl
KELLY GUZZO PLC

E. Michelle Drake
Joseph Hashmall
BERGER MONTAGUE P.C.

Defense Counsel

MCGUIREWOODS LLP
TROUTMAN PEPPER