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Data Breach · Pending Final Approval

Current Status

Claims are not open yet. The Supreme Court of British Columbia held the settlement approval hearing on September 22, 2026, but no approval order had been located as of September 27, 2026. The claim form and the claim deadline will be released only after the settlement is approved. The opt-out and objection deadline, September 11, 2026, has passed. No payment date has been announced.

What Changed Recently?

Capital One agreed to pay $35,000,000 CAD to resolve Campbell v. Capital One Financial Corporation, No. S198617, a national class action in the Supreme Court of British Columbia over the 2019 data breach. Notice of the proposed settlement was first published on July 13, 2026, the window to opt out or object closed September 11, 2026, and the court heard the request for approval in Vancouver on September 22, 2026. Capital One does not admit and denies any wrongdoing or liability.

The breach itself came to light in July 2019. According to the court's 2022 certification decision, an outside individual accessed a Capital One database stored on a third-party cloud service in the spring of 2019 and downloaded credit card application information on about six million Canadians and roughly 100 million Americans. (The U.S. side of the incident was handled in separate U.S. litigation; see our Capital One U.S. settlement coverage.) The Canadian data came from applications submitted between 2005 and early 2019 and included names, dates of birth, addresses, contact details, income and housing information, and, for some people, credit scores, balances and payment history. About one million Social Insurance Numbers were affected. Capital One said no credit card numbers, PINs or login credentials were compromised, and it offered affected customers two years of free credit monitoring.

Justice Iyer certified the case as a class proceeding on June 3, 2022 (2022 BCSC 928), allowing claims in negligence, breach of contract, provincial privacy statutes and consumer protection laws to go forward while rejecting several other theories. Those claims were allegations; the court has not decided whether Capital One is liable.

Who Qualifies?

The class covers residents of Canada, other than residents of Québec, who applied for or were issued a Capital One credit card and received a letter from Capital One notifying them that their information may have been subject to unauthorized access in the 2019 data breach. Capital One issued its own cards in Canada as well as co-branded cards for Costco and the Hudson's Bay Company, so applicants for those cards can be in the class if they received a breach notice.

Québec residents are excluded because a separate Québec class action over the same breach is proceeding there. Anyone who opted out by September 11, 2026 is also out of the settlement.

How Much Can You Get?

After court-approved legal fees and disbursements, administration costs and any honorarium for the representative plaintiff are paid, the net fund pays three categories of claims:

• Category A, out-of-pocket costs: reimbursement of costs fairly traceable to the breach, such as credit monitoring, insurance or credit freezes, and unreimbursed losses from identity theft, falsified tax returns or other misuse, up to $25,000 CAD per class member.
• Category B, lost time and inconvenience: $25 CAD an hour for time spent responding to the breach, up to 5 hours ($125 CAD) for class members whose SIN was not exposed and up to 8 hours ($200 CAD) for those whose SIN was exposed. Every valid Category B claim also gets a $75 CAD top-up, for a maximum of $200 CAD or $275 CAD.
• Category C, annual credit card fees: up to $50 CAD for Annual Fee Class Members, as defined in the settlement agreement.

The settlement website does not say whether payments can be reduced if claims exceed the net fund. The amounts above are maximums, not estimates of what any one person will receive.

Official settlement website says when claims open

Bank Fees · Pending — Automatic Payment

What Is This Settlement About?

Canadian Imperial Bank of Commerce (CIBC) has agreed to a proposed $10 million CAD class action settlement resolving claims that it charged customers more than one non-sufficient funds (NSF) fee on a single payment. The lawsuit, Campbell v. Canadian Imperial Bank of Commerce, alleged that when a pre-authorized debit or cheque bounced and the merchant re-presented (retried) the same payment days later, CIBC charged a second NSF fee for what was really one transaction. CIBC denies liability and admits no wrongdoing; the settlement was reached on June 24, 2026 after mediator-assisted negotiations and announced on July 2, 2026.

The case was certified as a class proceeding by the Ontario Superior Court of Justice on June 3, 2024, with Koskie Minsky LLP as class counsel. The settlement still requires court approval — the approval hearing is scheduled for October 19, 2026 — and no money will flow unless the court signs off. The same duplicative-NSF-fee theory has produced a family of parallel Canadian class actions against other major banks, and similar re-presented-payment NSF cases have settled at U.S. banks, including the Country Bank NSF fee settlement and the Equity Bank overdraft & NSF fee settlement.

Who Qualifies?

Based on class counsel's description of the settlement, payments would go to current CIBC and Simplii Financial personal deposit account customers who may have been charged an NSF fee on a pre-authorized debit from the same merchant and in the same amount as a previous transaction within 2 to 30 days — the fingerprint of a re-presented payment. The eligibility windows run from September 21, 2020 to February 1, 2024 for CIBC customers, and from September 21, 2020 to December 18, 2022 for Simplii Financial customers. (The litigation as announced covers re-presented payment NSF fees charged between September 21, 2020 and May 31, 2024.)

Because payments would be deposited directly into class members' existing accounts, eligibility is determined from CIBC's own records — customers do not need to prove anything or track down old statements. Class counsel has indicated eligible members will receive a notice from CIBC. One open question the public materials do not yet address is how former customers who have since closed their accounts would be handled; we will update this page when the court-approved notice spells that out.

Note for U.S. readers: this is a Canadian settlement covering Canadian personal deposit accounts. It is not a U.S. claims program. For comparable U.S. cases, see the bank-fee settlements linked above.

How Much Can You Get?

No individual payment estimate has been published, and none is possible yet: each eligible member would receive a pro-rata share of the $10 million CAD fund after court-approved deductions such as legal fees and administration costs. The final amount depends on how many customers qualify. Any figures you see promising a specific dollar amount per person are guesses — treat them accordingly.

What Happens Next?

The Ontario Superior Court of Justice will decide whether to approve the settlement at a hearing on October 19, 2026. If approved, CIBC would deposit payments directly into eligible class members' CIBC or Simplii accounts — automatically, with no claim form, no sign-up, and no ID code to enter. If the court does not approve the settlement, the litigation would continue.

Because there is no claim form, there is also nothing to file and no deadline for class members to act right now. Be cautious of any website or message that asks you to "register" or pay a fee to receive your CIBC settlement payment — that is not how this settlement works, and unsolicited requests like that are a common settlement scam pattern.

Official settlement website says when claims open