Capital One Overdraft and NSF Fee Settlement

What Is This Settlement?

Capital One settled claims that it charged customers improper or surprise overdraft and non-sufficient funds (NSF) fees that were not clearly disclosed or were charged multiple times for the same transaction. If you were charged overdraft or NSF fees on a Capital One 360 Checking account, you may be owed money back.

Am I Eligible?

1. 1Had a Capital One 360 Checking account between January 1, 2015 and November 1, 2023
2. 2Were charged at least one overdraft or NSF fee during that period
3. 3Did not receive a full refund of those fees from Capital One
4. 4Are a U.S. resident

How to File Your Claim

1. 1

   Gather your bank statements

   Log in to your Capital One account (or request statements if closed) and download or print statements showing overdraft or NSF fees charged to your account.

2. 2

   Calculate your total fees

   Add up all overdraft and NSF fees charged between January 2015 and November 2023. Note the dates and amounts — you'll enter these on the claim form.

3. 3

   Complete the claim form

   Go to the settlement website and fill in your account information, the total fees charged, and any refunds already received. Upload or mail a copy of at least one statement showing a fee.

4. 4

   Submit documentation

   Upload your statement(s) directly on the site (PDF or image). If you can't upload, you can mail them to the settlement administrator.

5. 5

   Save your confirmation number

   After submitting, save your confirmation email and claim number. The settlement administrator may contact you if additional documentation is needed.

Is This Legit?

Verify this settlement directly from official sources:

• Official Settlement Website
• Court Documents

Tax Considerations

Refunds of bank fees are generally not taxable income — they are a return of money you paid and should not have been charged. If the settlement also includes interest, that portion may be taxable. Consult a tax professional.

Frequently Asked Questions