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Here’s the latest on legal actions involving Capital One, along with guidance on how to respond or file a related claim: 1. Lawsuits Against Capital One A. New York Attorney General Lawsuit On May 14, 2025, New York Attorney General Letitia James filed a lawsuit in Manhattan federal court against Capital One, alleging deceptive practices related to its “360 Savings” accounts. The complaint claims that although the account was promoted as “high interest,” Capital One kept rates frozen at just 0.30% even as national rates rose. Meanwhile, they launched the “360 Performance Savings” account with rates up to 4.35%—but failed to inform existing 360 Savings account holders, allegedly instructing staff not to volunteer the information. The AG is seeking civil penalties and restitution under New York’s consumer protection laws. B. CFPB Enforcement Lawsuit On January 14, 2025, the Consumer Financial Protection Bureau (CFPB) sued Capital One, accusing them of misleading consumers and avoiding paying billions in interest by obscuring the difference between the 360 Savings and the higher-yield 360 Performance Savings accounts. However, this suit was dropped in February 2025 following a change in CFPB leadership. C. Trump Organization Lawsuit In March 2025, the Trump Organization sued Capital One in Florida, alleging that the bank closed hundreds of Trump-associated accounts due to alleged political bias, framing the action as “de-banking” based on ideological grounds. Capital One denied the claims, stating no accounts are closed for political reasons. The suit seeks punitive damages, attorney’s fees, and a jury trial. D. Class Action Settlement – 360 Savings Interest Litigation Capital One agreed to a significant $425 million class action settlement in the case titled In re: Capital One 360 Savings Account Interest Rate Litigation, filed in the U.S. District Court for the Eastern District of Virginia. The lawsuit accuses Capital One of failing to raise interest rates on the 360 Savings account while launching the higher-yield 360 Performance Savings account without notifying existing customers.

You’re asking two important things: 1. Which federal agencies (“bureaus”) are currently being sued? Here’s a breakdown of significant, ongoing federal litigation as of August 2025: A. Department of Government Efficiency (DOGE) and Related Agencies - Multiple lawsuits—at least eight—have been filed under the Privacy Act of 1974. Plaintiffs include labor unions, advocacy groups, state attorneys general, and individuals. They allege DOGE improperly accessed sensitive federal data across agencies. - Notable cases: Public Citizen, et al. v. Trump, OMB, DOGE, early 2025. Gribbon v. Musk, a class action seeking compensation for unauthorized access to personal data. Multiple other suits involving OPM, Treasury, and Education Department for data handling and buyout programs. - B. Consumer Financial Protection Bureau (CFPB) vs. Credit Bureaus - CFPB sued Experian in early January 2025 for allegedly conducting “sham” investigations of consumer credit disputes. - CFPB also issued an enforcement order against Equifax, resulting in a $15 million penalty for mishandling investigations and re-inserting inaccuracies. - Moreover, the CFPB has taken legal or administrative action against a range of entities, including Capital One, Block (Cash App), American Honda Finance, Wise US Inc., Synapse Financial, and several others. C. State Attorneys General vs. Federal Agencies (Trump-era policies) - A coalition of 20 Democratic attorneys general filed lawsuits challenging administration efforts to withhold hundreds of millions in federal funding conditioned on immigration enforcement or DEI (Diversity, Equity, and Inclusion) rollbacks. - A separate multistate suit targets the Office of Management and Budget (OMB) and multiple federal departments—Agriculture, Commerce, DHS, Justice, EPA, FEMA, NSF, and others—alleging improper withdrawal of federal funding using changed priorities. D. DOJ vs. American Federation of Government Employees (AFGE)

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