According to the complaints, Capital One kept 360 Savings at 0.30% from December 2020 while its near-identical 360 Performance Savings rose to as much as 4.35%, and staff guidance said to mention the better account only if a customer asked. In November 2025 the judge rejected the first settlement; the second, approved in April 2026, pays $425 million and puts both accounts on the same rate. Capital One disputed the claims and admitted nothing, and one appeal is still open. The full case file, from the public record: the promise, the switch, the freeze, the paper trail, the cost, the rejected deal and the fix.
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360 Savings' rate from December 2020, while its near-identical twin rose to as much as 4.35%, the complaints allege.
NY AG COMPLAINT, 14 MAY 2025, P. 2of the class's damages, the judge found the first deal could give. It was rejected in November 2025.
ORDER, ECF 259, 6 NOV 2025, P. 2plus the same rate on both accounts, in the second deal, approved April 2026. Capital One admitted nothing.
ORDER, ECF 348, 20 APR 2026, PP. 1, 8What the record is. The rates, the staff guidance and the $10,000 example are allegations in the New York Attorney General's and the CFPB's complaints, never tried; the $10,000 example is New York's own illustration, and the CFPB dropped its case in February 2025. Nothing was decided on liability, and Capital One admitted nothing. What the court decided was the settlements: it rejected the first in November 2025 and approved the second in April 2026. The rate-match estimate is the judge's, from the hearing.
| Number | What it is | Where |
|---|---|---|
| 0.30% / 4.35% | 360 Savings from Dec 2020 / 360 Performance Savings at its peak, as alleged | NY compl. p. 2 |
| $186 / $1,090 | Interest on $10,000, Sep 2019 to Oct 2024, the NY AG's illustration | NY compl. p. 26 |
| Over $2B | Interest the CFPB alleged the bank avoided paying, before it dropped its case | CFPB compl. p. 3 |
| About 1% | Readers of the bank's "Earn a higher APY" email who acted, per the order | Order ECF 259, p. 4 |
| $425M | Settlement fund, plus the 360 Performance Savings rate for 360 Savings holders | Order ECF 348, p. 1 |
| $723M to $878M | The judge's estimate of the rate match, from the hearing | Hearing tr. p. 60 |
Open the documents above. Every number in the video points to its page.
Subscribe for the next fileAccording to the complaints, Capital One kept 360 Savings at 0.30% from December 2020 while its near-identical 360 Performance Savings rose to as much as 4.35%, and staff guidance said to mention the better account only if a customer asked. In November 2025 the judge rejected the first settlement; the second, approved in April 2026, pays $425 million and puts both accounts on the same rate. Capital One disputed the claims and admitted nothing, and one appeal is still open. The full case file, from the public record: the promise, the switch, the freeze, the paper trail, the cost, the rejected deal and the fix.
COMINGPremieres Fri 30 Oct, 5:00 PM ET. Subscribe on YouTube so it finds you.
360 Savings' rate from December 2020, while its near-identical twin rose to as much as 4.35%, the complaints allege.
NY AG COMPLAINT, 14 MAY 2025, P. 2of the class's damages, the judge found the first deal could give. It was rejected in November 2025.
ORDER, ECF 259, 6 NOV 2025, P. 2plus the same rate on both accounts, in the second deal, approved April 2026. Capital One admitted nothing.
ORDER, ECF 348, 20 APR 2026, PP. 1, 8What the record is. The rates, the staff guidance and the $10,000 example are allegations in the New York Attorney General's and the CFPB's complaints, never tried; the $10,000 example is New York's own illustration, and the CFPB dropped its case in February 2025. Nothing was decided on liability, and Capital One admitted nothing. What the court decided was the settlements: it rejected the first in November 2025 and approved the second in April 2026. The rate-match estimate is the judge's, from the hearing.
| Number | What it is | Where |
|---|---|---|
| 0.30% / 4.35% | 360 Savings from Dec 2020 / 360 Performance Savings at its peak, as alleged | NY compl. p. 2 |
| $186 / $1,090 | Interest on $10,000, Sep 2019 to Oct 2024, the NY AG's illustration | NY compl. p. 26 |
| Over $2B | Interest the CFPB alleged the bank avoided paying, before it dropped its case | CFPB compl. p. 3 |
| About 1% | Readers of the bank's "Earn a higher APY" email who acted, per the order | Order ECF 259, p. 4 |
| $425M | Settlement fund, plus the 360 Performance Savings rate for 360 Savings holders | Order ECF 348, p. 1 |
| $723M to $878M | The judge's estimate of the rate match, from the hearing | Hearing tr. p. 60 |
Open the documents above. Every number in the video points to its page.
Subscribe for the next fileAccording to the complaints, Capital One kept 360 Savings at 0.30% from December 2020 while its near-identical 360 Performance Savings rose to as much as 4.35%, and staff guidance said to mention the better account only if a customer asked. In November 2025 the judge rejected the first settlement; the second, approved in April 2026, pays $425 million and puts both accounts on the same rate. Capital One disputed the claims and admitted nothing, and one appeal is still open. The full case file, from the public record: the promise, the switch, the freeze, the paper trail, the cost, the rejected deal and the fix.
COMINGPremieres Fri 30 Oct, 5:00 PM ET. Subscribe on YouTube so it finds you.
360 Savings' rate from December 2020, while its near-identical twin rose to as much as 4.35%, the complaints allege.
NY AG COMPLAINT, 14 MAY 2025, P. 2of the class's damages, the judge found the first deal could give. It was rejected in November 2025.
ORDER, ECF 259, 6 NOV 2025, P. 2plus the same rate on both accounts, in the second deal, approved April 2026. Capital One admitted nothing.
ORDER, ECF 348, 20 APR 2026, PP. 1, 8What the record is. The rates, the staff guidance and the $10,000 example are allegations in the New York Attorney General's and the CFPB's complaints, never tried; the $10,000 example is New York's own illustration, and the CFPB dropped its case in February 2025. Nothing was decided on liability, and Capital One admitted nothing. What the court decided was the settlements: it rejected the first in November 2025 and approved the second in April 2026. The rate-match estimate is the judge's, from the hearing.
| Number | What it is | Where |
|---|---|---|
| 0.30% / 4.35% | 360 Savings from Dec 2020 / 360 Performance Savings at its peak, as alleged | NY compl. p. 2 |
| $186 / $1,090 | Interest on $10,000, Sep 2019 to Oct 2024, the NY AG's illustration | NY compl. p. 26 |
| Over $2B | Interest the CFPB alleged the bank avoided paying, before it dropped its case | CFPB compl. p. 3 |
| About 1% | Readers of the bank's "Earn a higher APY" email who acted, per the order | Order ECF 259, p. 4 |
| $425M | Settlement fund, plus the 360 Performance Savings rate for 360 Savings holders | Order ECF 348, p. 1 |
| $723M to $878M | The judge's estimate of the rate match, from the hearing | Hearing tr. p. 60 |
Open the documents above. Every number in the video points to its page.
Subscribe for the next fileAccording to the complaints, Capital One kept 360 Savings at 0.30% from December 2020 while its near-identical 360 Performance Savings rose to as much as 4.35%, and staff guidance said to mention the better account only if a customer asked. In November 2025 the judge rejected the first settlement; the second, approved in April 2026, pays $425 million and puts both accounts on the same rate. Capital One disputed the claims and admitted nothing, and one appeal is still open. The full case file, from the public record: the promise, the switch, the freeze, the paper trail, the cost, the rejected deal and the fix.
COMINGPremieres Fri 30 Oct, 5:00 PM ET. Subscribe on YouTube so it finds you.
360 Savings' rate from December 2020, while its near-identical twin rose to as much as 4.35%, the complaints allege.
NY AG COMPLAINT, 14 MAY 2025, P. 2of the class's damages, the judge found the first deal could give. It was rejected in November 2025.
ORDER, ECF 259, 6 NOV 2025, P. 2plus the same rate on both accounts, in the second deal, approved April 2026. Capital One admitted nothing.
ORDER, ECF 348, 20 APR 2026, PP. 1, 8What the record is. The rates, the staff guidance and the $10,000 example are allegations in the New York Attorney General's and the CFPB's complaints, never tried; the $10,000 example is New York's own illustration, and the CFPB dropped its case in February 2025. Nothing was decided on liability, and Capital One admitted nothing. What the court decided was the settlements: it rejected the first in November 2025 and approved the second in April 2026. The rate-match estimate is the judge's, from the hearing.
| Number | What it is | Where |
|---|---|---|
| 0.30% / 4.35% | 360 Savings from Dec 2020 / 360 Performance Savings at its peak, as alleged | NY compl. p. 2 |
| $186 / $1,090 | Interest on $10,000, Sep 2019 to Oct 2024, the NY AG's illustration | NY compl. p. 26 |
| Over $2B | Interest the CFPB alleged the bank avoided paying, before it dropped its case | CFPB compl. p. 3 |
| About 1% | Readers of the bank's "Earn a higher APY" email who acted, per the order | Order ECF 259, p. 4 |
| $425M | Settlement fund, plus the 360 Performance Savings rate for 360 Savings holders | Order ECF 348, p. 1 |
| $723M to $878M | The judge's estimate of the rate match, from the hearing | Hearing tr. p. 60 |
Open the documents above. Every number in the video points to its page.
Subscribe for the next fileAccording to the complaints, Capital One kept 360 Savings at 0.30% from December 2020 while its near-identical 360 Performance Savings rose to as much as 4.35%, and staff guidance said to mention the better account only if a customer asked. In November 2025 the judge rejected the first settlement; the second, approved in April 2026, pays $425 million and puts both accounts on the same rate. Capital One disputed the claims and admitted nothing, and one appeal is still open. The full case file, from the public record: the promise, the switch, the freeze, the paper trail, the cost, the rejected deal and the fix.
COMINGPremieres Fri 30 Oct, 5:00 PM ET. Subscribe on YouTube so it finds you.
360 Savings' rate from December 2020, while its near-identical twin rose to as much as 4.35%, the complaints allege.
NY AG COMPLAINT, 14 MAY 2025, P. 2of the class's damages, the judge found the first deal could give. It was rejected in November 2025.
ORDER, ECF 259, 6 NOV 2025, P. 2plus the same rate on both accounts, in the second deal, approved April 2026. Capital One admitted nothing.
ORDER, ECF 348, 20 APR 2026, PP. 1, 8What the record is. The rates, the staff guidance and the $10,000 example are allegations in the New York Attorney General's and the CFPB's complaints, never tried; the $10,000 example is New York's own illustration, and the CFPB dropped its case in February 2025. Nothing was decided on liability, and Capital One admitted nothing. What the court decided was the settlements: it rejected the first in November 2025 and approved the second in April 2026. The rate-match estimate is the judge's, from the hearing.
| Number | What it is | Where |
|---|---|---|
| 0.30% / 4.35% | 360 Savings from Dec 2020 / 360 Performance Savings at its peak, as alleged | NY compl. p. 2 |
| $186 / $1,090 | Interest on $10,000, Sep 2019 to Oct 2024, the NY AG's illustration | NY compl. p. 26 |
| Over $2B | Interest the CFPB alleged the bank avoided paying, before it dropped its case | CFPB compl. p. 3 |
| About 1% | Readers of the bank's "Earn a higher APY" email who acted, per the order | Order ECF 259, p. 4 |
| $425M | Settlement fund, plus the 360 Performance Savings rate for 360 Savings holders | Order ECF 348, p. 1 |
| $723M to $878M | The judge's estimate of the rate match, from the hearing | Hearing tr. p. 60 |
Open the documents above. Every number in the video points to its page.
Subscribe for the next fileAccording to the complaints, Capital One kept 360 Savings at 0.30% from December 2020 while its near-identical 360 Performance Savings rose to as much as 4.35%, and staff guidance said to mention the better account only if a customer asked. In November 2025 the judge rejected the first settlement; the second, approved in April 2026, pays $425 million and puts both accounts on the same rate. Capital One disputed the claims and admitted nothing, and one appeal is still open. The full case file, from the public record: the promise, the switch, the freeze, the paper trail, the cost, the rejected deal and the fix.
360 Savings' rate from December 2020, while its near-identical twin rose to as much as 4.35%, the complaints allege.
NY AG COMPLAINT, 14 MAY 2025, P. 2of the class's damages, the judge found the first deal could give. It was rejected in November 2025.
ORDER, ECF 259, 6 NOV 2025, P. 2plus the same rate on both accounts, in the second deal, approved April 2026. Capital One admitted nothing.
ORDER, ECF 348, 20 APR 2026, PP. 1, 8What the record is. The rates, the staff guidance and the $10,000 example are allegations in the New York Attorney General's and the CFPB's complaints, never tried; the $10,000 example is New York's own illustration, and the CFPB dropped its case in February 2025. Nothing was decided on liability, and Capital One admitted nothing. What the court decided was the settlements: it rejected the first in November 2025 and approved the second in April 2026. The rate-match estimate is the judge's, from the hearing.
| Number | What it is | Where |
|---|---|---|
| 0.30% / 4.35% | 360 Savings from Dec 2020 / 360 Performance Savings at its peak, as alleged | NY compl. p. 2 |
| $186 / $1,090 | Interest on $10,000, Sep 2019 to Oct 2024, the NY AG's illustration | NY compl. p. 26 |
| Over $2B | Interest the CFPB alleged the bank avoided paying, before it dropped its case | CFPB compl. p. 3 |
| About 1% | Readers of the bank's "Earn a higher APY" email who acted, per the order | Order ECF 259, p. 4 |
| $425M | Settlement fund, plus the 360 Performance Savings rate for 360 Savings holders | Order ECF 348, p. 1 |
| $723M to $878M | The judge's estimate of the rate match, from the hearing | Hearing tr. p. 60 |
Open the documents above. Every number in the video points to its page.
Subscribe for the next fileAccording to the complaints, Capital One kept 360 Savings at 0.30% from December 2020 while its near-identical 360 Performance Savings rose to as much as 4.35%, and staff guidance said to mention the better account only if a customer asked. In November 2025 the judge rejected the first settlement; the second, approved in April 2026, pays $425 million and puts both accounts on the same rate. Capital One disputed the claims and admitted nothing, and one appeal is still open. The full case file, from the public record: the promise, the switch, the freeze, the paper trail, the cost, the rejected deal and the fix.
360 Savings' rate from December 2020, while its near-identical twin rose to as much as 4.35%, the complaints allege.
NY AG COMPLAINT, 14 MAY 2025, P. 2of the class's damages, the judge found the first deal could give. It was rejected in November 2025.
ORDER, ECF 259, 6 NOV 2025, P. 2plus the same rate on both accounts, in the second deal, approved April 2026. Capital One admitted nothing.
ORDER, ECF 348, 20 APR 2026, PP. 1, 8What the record is. The rates, the staff guidance and the $10,000 example are allegations in the New York Attorney General's and the CFPB's complaints, never tried; the $10,000 example is New York's own illustration, and the CFPB dropped its case in February 2025. Nothing was decided on liability, and Capital One admitted nothing. What the court decided was the settlements: it rejected the first in November 2025 and approved the second in April 2026. The rate-match estimate is the judge's, from the hearing.
| Number | What it is | Where |
|---|---|---|
| 0.30% / 4.35% | 360 Savings from Dec 2020 / 360 Performance Savings at its peak, as alleged | NY compl. p. 2 |
| $186 / $1,090 | Interest on $10,000, Sep 2019 to Oct 2024, the NY AG's illustration | NY compl. p. 26 |
| Over $2B | Interest the CFPB alleged the bank avoided paying, before it dropped its case | CFPB compl. p. 3 |
| About 1% | Readers of the bank's "Earn a higher APY" email who acted, per the order | Order ECF 259, p. 4 |
| $425M | Settlement fund, plus the 360 Performance Savings rate for 360 Savings holders | Order ECF 348, p. 1 |
| $723M to $878M | The judge's estimate of the rate match, from the hearing | Hearing tr. p. 60 |
Open the documents above. Every number in the video points to its page.
Subscribe for the next fileAccording to the complaints, Capital One kept 360 Savings at 0.30% from December 2020 while its near-identical 360 Performance Savings rose to as much as 4.35%, and staff guidance said to mention the better account only if a customer asked. In November 2025 the judge rejected the first settlement; the second, approved in April 2026, pays $425 million and puts both accounts on the same rate. Capital One disputed the claims and admitted nothing, and one appeal is still open. The full case file, from the public record: the promise, the switch, the freeze, the paper trail, the cost, the rejected deal and the fix.
360 Savings' rate from December 2020, while its near-identical twin rose to as much as 4.35%, the complaints allege.
NY AG COMPLAINT, 14 MAY 2025, P. 2of the class's damages, the judge found the first deal could give. It was rejected in November 2025.
ORDER, ECF 259, 6 NOV 2025, P. 2plus the same rate on both accounts, in the second deal, approved April 2026. Capital One admitted nothing.
ORDER, ECF 348, 20 APR 2026, PP. 1, 8What the record is. The rates, the staff guidance and the $10,000 example are allegations in the New York Attorney General's and the CFPB's complaints, never tried; the $10,000 example is New York's own illustration, and the CFPB dropped its case in February 2025. Nothing was decided on liability, and Capital One admitted nothing. What the court decided was the settlements: it rejected the first in November 2025 and approved the second in April 2026. The rate-match estimate is the judge's, from the hearing.
| Number | What it is | Where |
|---|---|---|
| 0.30% / 4.35% | 360 Savings from Dec 2020 / 360 Performance Savings at its peak, as alleged | NY compl. p. 2 |
| $186 / $1,090 | Interest on $10,000, Sep 2019 to Oct 2024, the NY AG's illustration | NY compl. p. 26 |
| Over $2B | Interest the CFPB alleged the bank avoided paying, before it dropped its case | CFPB compl. p. 3 |
| About 1% | Readers of the bank's "Earn a higher APY" email who acted, per the order | Order ECF 259, p. 4 |
| $425M | Settlement fund, plus the 360 Performance Savings rate for 360 Savings holders | Order ECF 348, p. 1 |
| $723M to $878M | The judge's estimate of the rate match, from the hearing | Hearing tr. p. 60 |
Open the documents above. Every number in the video points to its page.
Subscribe for the next fileAccording to the complaints, Capital One kept 360 Savings at 0.30% from December 2020 while its near-identical 360 Performance Savings rose to as much as 4.35%, and staff guidance said to mention the better account only if a customer asked. In November 2025 the judge rejected the first settlement; the second, approved in April 2026, pays $425 million and puts both accounts on the same rate. Capital One disputed the claims and admitted nothing, and one appeal is still open. The full case file, from the public record: the promise, the switch, the freeze, the paper trail, the cost, the rejected deal and the fix.
360 Savings' rate from December 2020, while its near-identical twin rose to as much as 4.35%, the complaints allege.
NY AG COMPLAINT, 14 MAY 2025, P. 2of the class's damages, the judge found the first deal could give. It was rejected in November 2025.
ORDER, ECF 259, 6 NOV 2025, P. 2plus the same rate on both accounts, in the second deal, approved April 2026. Capital One admitted nothing.
ORDER, ECF 348, 20 APR 2026, PP. 1, 8What the record is. The rates, the staff guidance and the $10,000 example are allegations in the New York Attorney General's and the CFPB's complaints, never tried; the $10,000 example is New York's own illustration, and the CFPB dropped its case in February 2025. Nothing was decided on liability, and Capital One admitted nothing. What the court decided was the settlements: it rejected the first in November 2025 and approved the second in April 2026. The rate-match estimate is the judge's, from the hearing.
| Number | What it is | Where |
|---|---|---|
| 0.30% / 4.35% | 360 Savings from Dec 2020 / 360 Performance Savings at its peak, as alleged | NY compl. p. 2 |
| $186 / $1,090 | Interest on $10,000, Sep 2019 to Oct 2024, the NY AG's illustration | NY compl. p. 26 |
| Over $2B | Interest the CFPB alleged the bank avoided paying, before it dropped its case | CFPB compl. p. 3 |
| About 1% | Readers of the bank's "Earn a higher APY" email who acted, per the order | Order ECF 259, p. 4 |
| $425M | Settlement fund, plus the 360 Performance Savings rate for 360 Savings holders | Order ECF 348, p. 1 |
| $723M to $878M | The judge's estimate of the rate match, from the hearing | Hearing tr. p. 60 |
Open the documents above. Every number in the video points to its page.
Subscribe for the next fileAccording to the complaints, Capital One kept 360 Savings at 0.30% from December 2020 while its near-identical 360 Performance Savings rose to as much as 4.35%, and staff guidance said to mention the better account only if a customer asked. In November 2025 the judge rejected the first settlement; the second, approved in April 2026, pays $425 million and puts both accounts on the same rate. Capital One disputed the claims and admitted nothing, and one appeal is still open. The full case file, from the public record: the promise, the switch, the freeze, the paper trail, the cost, the rejected deal and the fix.
360 Savings' rate from December 2020, while its near-identical twin rose to as much as 4.35%, the complaints allege.
NY AG COMPLAINT, 14 MAY 2025, P. 2of the class's damages, the judge found the first deal could give. It was rejected in November 2025.
ORDER, ECF 259, 6 NOV 2025, P. 2plus the same rate on both accounts, in the second deal, approved April 2026. Capital One admitted nothing.
ORDER, ECF 348, 20 APR 2026, PP. 1, 8What the record is. The rates, the staff guidance and the $10,000 example are allegations in the New York Attorney General's and the CFPB's complaints, never tried; the $10,000 example is New York's own illustration, and the CFPB dropped its case in February 2025. Nothing was decided on liability, and Capital One admitted nothing. What the court decided was the settlements: it rejected the first in November 2025 and approved the second in April 2026. The rate-match estimate is the judge's, from the hearing.
| Number | What it is | Where |
|---|---|---|
| 0.30% / 4.35% | 360 Savings from Dec 2020 / 360 Performance Savings at its peak, as alleged | NY compl. p. 2 |
| $186 / $1,090 | Interest on $10,000, Sep 2019 to Oct 2024, the NY AG's illustration | NY compl. p. 26 |
| Over $2B | Interest the CFPB alleged the bank avoided paying, before it dropped its case | CFPB compl. p. 3 |
| About 1% | Readers of the bank's "Earn a higher APY" email who acted, per the order | Order ECF 259, p. 4 |
| $425M | Settlement fund, plus the 360 Performance Savings rate for 360 Savings holders | Order ECF 348, p. 1 |
| $723M to $878M | The judge's estimate of the rate match, from the hearing | Hearing tr. p. 60 |
Open the documents above. Every number in the video points to its page.
Subscribe for the next fileAccording to the complaints, Capital One kept 360 Savings at 0.30% from December 2020 while its near-identical 360 Performance Savings rose to as much as 4.35%, and staff guidance said to mention the better account only if a customer asked. In November 2025 the judge rejected the first settlement; the second, approved in April 2026, pays $425 million and puts both accounts on the same rate. Capital One disputed the claims and admitted nothing, and one appeal is still open. The full case file, from the public record: the promise, the switch, the freeze, the paper trail, the cost, the rejected deal and the fix.
360 Savings' rate from December 2020, while its near-identical twin rose to as much as 4.35%, the complaints allege.
NY AG COMPLAINT, 14 MAY 2025, P. 2of the class's damages, the judge found the first deal could give. It was rejected in November 2025.
ORDER, ECF 259, 6 NOV 2025, P. 2plus the same rate on both accounts, in the second deal, approved April 2026. Capital One admitted nothing.
ORDER, ECF 348, 20 APR 2026, PP. 1, 8What the record is. The rates, the staff guidance and the $10,000 example are allegations in the New York Attorney General's and the CFPB's complaints, never tried; the $10,000 example is New York's own illustration, and the CFPB dropped its case in February 2025. Nothing was decided on liability, and Capital One admitted nothing. What the court decided was the settlements: it rejected the first in November 2025 and approved the second in April 2026. The rate-match estimate is the judge's, from the hearing.
| Number | What it is | Where |
|---|---|---|
| 0.30% / 4.35% | 360 Savings from Dec 2020 / 360 Performance Savings at its peak, as alleged | NY compl. p. 2 |
| $186 / $1,090 | Interest on $10,000, Sep 2019 to Oct 2024, the NY AG's illustration | NY compl. p. 26 |
| Over $2B | Interest the CFPB alleged the bank avoided paying, before it dropped its case | CFPB compl. p. 3 |
| About 1% | Readers of the bank's "Earn a higher APY" email who acted, per the order | Order ECF 259, p. 4 |
| $425M | Settlement fund, plus the 360 Performance Savings rate for 360 Savings holders | Order ECF 348, p. 1 |
| $723M to $878M | The judge's estimate of the rate match, from the hearing | Hearing tr. p. 60 |
Open the documents above. Every number in the video points to its page.
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