Capital One Payment Protection Class Action Settlement

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Award (how much your claim may be worth): Between $15 and $63, depending on whether your Capital One account is open, closed, in good standing or paid off.

Class Action Lawsuit Settlement Case(s):  Spinelli v. Capital One Bank (USA), N.A. et al., Civil Action No.: 8:08-CV-132-T-33EAJ, United States District Court, Middle District of Florida

Company(ies): CAPITAL ONE BANK (USA) N.A., CAPITAL ONE SERVICES, LLC

Website of the Class Action Lawsuit Settlement Administrator (DOWNLOAD A CLAIM FORM HERE): www.spinellisettlement.com

Address to submit a claim form (REQUIRED):

Phone Number to call for assistance:  (501) 312-8500

Details: The Capital One Payment Protection class action lawsuit alleges that the process for obtaining benefits under the Payment Protection plan was too difficult. It also alleged that Capital One did not adequately disclose the restrictions on the benefits that are based on the customer’s employment status at the time of enrollment before they enrolled in Payment Protection.

Under the Capital One Payment Protection class action lawsuit settlement, you may be able to file a claim for a credit or cash refund if you meet the following criteria:

(1) You are a current or former Capital One credit card holder who first enrolled in Payment Protection at any time between September 28, 2003 and July 31, 2010 while residing in Florida.

(2) You are a current or former Capital One credit card holder who first enrolled in Payment Protection at any time between January 1, 2005 and July 31, 2010 while residing in any other part of the United States.

To receive a benefit under the Capital One Payment Protection settlement, you must submit a valid claim form, signed under penalty of perjury, postmarked by December 31, 2010. Class members who currently have a Capital One credit card or if their account charged off with money owing on their account will receive payment in the form of a credit. Those who closed their Capital One credit card with no money owed to Capital One will receive their benefit by check. You can download a claim form at www.spinellisettlement.com.

The amount of your Payment Protection settlement benefit will vary, depending on whether your account is open, closed, in good standing or charged off. It will also depend on whether or not you ever attempted to activate Payment Protection benefits and whether or not you received these benefits.

If you attempted to activate and received Payment Protection benefits, you could receive between $15 and $20. If you never attempted to activate Payment Protection benefits, you could receive between $15 and $28. If you attempted to activate, but did not receive Payment Protection benefits, you could receive between $15 and $63.

For more information on the Capital One Payment Protection class action lawsuit settlement, including a downloadable claim form, go to www.spinellisettlement.com now!

Purchased From: September 28, 2003 to July 31, 2010 (if you were a Florida resident) OR January 1, 2005 to July 31, 2010 (if you resided anywhere else in the U.S.)

Claims must be postmarked by: 12/31/10

Settlement Administrator(s): The Garden City Group, Inc.

Class Counsel:

Defense Counsel: