Class Eligibility

You are a member of this class action settlement if you received and used a 0% Access Check or No Hassle Check on their Capital One credit card in the United States between Aug. 1, 2008 and Jan. 2, 2015.

Estimated Amount

$5.50 or $2.00

Category 1: Customers who used only one 0% Check on an account and were charged interest on their purchase balance because of the 0% Check are entitled to receive an automatic payment of $5.50. Class Members who fall into this category do not need to file a claim. A check will automatically be sent once the settlement receives final approval.

Category 2: Customers who used more than one 0% Check on an account at least three months apart and were charged interest on their purchase balance because of the 0% Check are eligible to submit a claim to receive a $5.50 payment.

Category 3: Customers who used one or more 0% Checks but were not charged interest on their purchase balance because of the 0% Check are eligible to submit a claim to receive a $2 payment.

Proof of Purchase


NOTE: If you did not receive an email or postcard notice of the Capital One class action settlement (including an 8-digit Notice ID number), you must download the Claim Form and mail it to the Settlement Administrator, postmarked no later than July 1, 2015.

Case Name

Margaret Murr and David Reign v. Capital One Bank (USA)

Case No. 1:13-cv-01091
U.S. District Court for the Eastern District of Virginia

Case Summary

According to the documents of this lawsuit the checks marketed as zero percent with an upfront fees have charges associated to it that are deceptive and constitute breach of contract by violating the Truth in Lending Act

Settlement Pool





Claims Administration Capital One 0% Check Settlement
c/o Dahl Administration
P.O. Box 3614
Minneapolis, MN 55403-0614

11 responses to “Capital One Zero Percent Class Action Settlement”

  1. Elaine Guido says:

    I put a claim in and never heard anything

    • Claude Swanson says:

      That’s because the filing deadline hasn’t arrived yet. It may take several months or longer to receive because you have to wait for everyone that is eligible to file first and give them time to process once all of the claims are in.

  2. Liselle diaz says:

    Capital one charged me too many fees that I did not authorize

  3. Liselle diaz says:

    They never responded to my calls

  4. rebecca says says:

    I orginally got a K mart card years back and capital one took it over against my knowledge or consent, I was to have 0% interest but after took it over only Kmart purchases would be 0%, that doesn’t hold true any more so I don’t use it for Kmart purchases any more, I use a card with rewards back.

  5. rebecca says says:

    I originallly had a Kmart card capital took over the card against my will or knowledge, I was to have 0% interest, they would allow only Kmart purchases for 0%, no longer in effect, So I don’t use that card for Kmart purchases I use another cards and get rewards back.

  6. Noelle Malone says:

    They didn’t deliver

  7. Christina Caputo says:

    Capital One never resolved the questions that I had in regards to having a credit card with them and all of the benefits I was supposed to have. Eventually cancelled my card with them.

  8. Jamiee Smith says:

    I have been a capitol one member for 7 years now and have accrued several unauthorized charges.

  9. Margarita Najaryan says:

    Capital One offered me 0%APR for 12 months and then changed the APR during the 12 months period.

  10. Maureen cashin says:

    I called several times. I did what they asked me. I got the post card, requested the paperwork. And nothing from them

Leave a Reply

Your email address will not be published. Required fields are marked *