Class Action

Capital One Access Checks

Class Action

Capital One Access Checks

June 2015: A federal judge granted final approval of a settlement of this lawsuit. According to the settlement terms, class members may receive a cash award of either $2 or $5.50. (The amount of the award depends on various factors, including whether the class member paid interest.) The settlement agreement also states that Capital One enhanced the disclosures in its 0% Offer materials, including those addressing the Grace-Period Effect and the Payment-Allocation Effect.

June 2014: A federal judge granted part of Capital One Bank’s motion for summary judgment and trimmed some of the class-action claims in this lawsuit. The other claims – including the fraud and the Truth in Lending Act violation claims — will move forward. To read the full decision and learn more about the continuing claims, click here.

August 2013: A class-action lawsuit was filed against Capital One claiming the bank’s promotional materials offered customers 0% APR for 12 months on any amount they borrowed on their credit card using Access Checks when, in reality, these customers were charged the bank’s regular interest rate, even when they paid their purchase balance in full before the payment due date. (Murr et al. v. Capital One Bank (USA), N.A., Case No. 13-cv-01091, E.D. VA.).

 


Class-Action Tracker

Capital One 360 Savings Accounts

Class Action

Capital One 360 Savings Accounts

Allegations: Misleadingly advertising accounts as “high interest” savings accounts without notifying accountholders that a higher interest rate account became available

Capital One Credit Cards

Class Action

Capital One Credit Cards

Allegations: Falsely advertising that consumers can get pre-approved for credit cards in a process that does not affect their credit score when the company runs a type of credit report…

Zelle Money Transfers at Capital One

Class Action

Zelle Money Transfers at Capital One

Allegations: Marketing Zelle money transfers as fast, safe, and secure without disclosing that there is no protection for victims of fraud and no recourse for reimbursement of lost funds

Capital One Credit Cards

Class Action

Capital One Credit Cards

Allegations: Misleadingly representing that it would help credit card customers during the COVID-19 pandemic when the company systematically denied customers’ requests for help

Capital One Interest-Free Grace Period

Class Action

Capital One Interest-Free Grace Period

March 2019: This case was transferred to a court in Virginia. (Case No. 19-cv-343, E. D. Va.) May 2018: A class-action lawsuit was filed against Capital One for allegedly promising…

Cash Advances on Capital One Credit Cards

Class Action

Cash Advances on Capital One Credit Cards

In May 2019, a class-action lawsuit was filed against Capital One Bank for allegedly failing to disclose that it charges consumers interest on cash advances on credit cards after they…

Overdraft Fees at Capital One Bank

Class Action

Overdraft Fees at Capital One Bank

In January 2019, a class-action lawsuit was filed against Capital One Bank for allegedly charging multiple non-sufficient funds and overdraft fees on a single transaction. Plaintiffs claim that the bank…

Capital One’s Interest-Free Grace Period

Class Action

Capital One’s Interest-Free Grace Period

In March 2018, a class-action lawsuit was filed against Capital One Bank for allegedly misleadingly promising consumers an interest-free grace period on charges when, according to the plaintiffs, consumers who…


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