Capital One Zero Percent Settlement

Margaret Murr and David Reign v. Capital One Bank (USA) N.A.
United States District Court, Eastern District of Virginia, Alexandria Division; Civil Action No.: 1:13-cv-1091 LMB/TCB

Welcome to the Capital One Zero Percent Settlement Website


UPDATE (6/27/2016): Settlement payments were originally mailed to eligible Class Members on August 25, 2015. Replacement checks were mailed on June 21, 2016 to Settlement Class Members who did not cash their previous checks. Checks that were originally mailed on August 25, 2015 and December 18, 2015 are now expired and cannot be cashed.

You were identified as a Settlement Class Member entitled to a payment because you used a 0% Check on a Capital One credit card account in the United States from August 1, 2008 through January 2, 2015. Your Settlement benefit was calculated in accordance with the terms of the Settlement Agreement for this matter.

To Learn More about this Lawsuit

View the Long Form Notice

Review the Settlement Documents

Read the answers to Frequently Asked Questions
Background

A class action lawsuit claiming that Capital One Bank (USA) N.A.'s (“Capital One” or “Defendant”) policies and practices relating to certain interest and minimum payment charges after a credit card customer uses a 0% Access Check or No Hassle Check received preliminary approval in the United States District Court for the Eastern District of Virginia on January 2, 2015.

The lawsuit alleges that Capital One’s policies and practices relating to certain interest and minimum payment charges after a credit card customer uses a 0% Access Check or No Hassle Check are deceptive, constitute a breach of contract, and violate the Truth in Lending Act, including the Credit Card Accountability Responsibility and Disclosure Act of 2009. Capital One denies all allegations and has asserted many defenses.

You are a Settlement Class Member if you used a 0% Access Check or No Hassle Check on your Capital One credit card in the United States from August 1, 2008, through January 2, 2015. Capital One will provide checks to Settlement Class Members of either $5.50 or $2.00 depending on which category(s) you are included in, as described in more detail in Question 7. You may be required to submit a Claim Form to receive your Settlement Check depending on your individual circumstances.

A Final Approval Hearing will be held on June 26, 2015 to consider whether the Settlement is fair, reasonable, and adequate. We do not know how long it will take for the Court to render its decision. Settlement payments cannot be issued until the Settlement is approved by the Court and becomes final.