What Do I Do If My Capital One Account Is Locked?

If Capital One has locked your account, you are probably eager to unlock it as soon as you can. There are a number of reasons why Capital One might have locked your account. In most cases, it should be relatively easy to unlock your account. If it was locked because Capital One suspects you are using it for illegal activity, all you can do is wait for the company to investigate.

If you can't access your money because Capital One has frozen your account, you are probably stressed and worried. There are a number of potential reasons why your Capital One account has been locked. Read on to find out why it may have been locked and what you can do about it.

Reasons Why Capital One Might Lock Your Account

If any transactions on your account look suspicious, such as a large expenditure far outside of your usual area, Capital One will lock your account in order to protect you against further losses. However, it is possible that the company may have mistaken transactions you actually made for fraudulent ones. If you have one or more credit card payments overdue, you might have had your account locked until you pay up. You might also have to pay a late fee. Capital One might lock your account if you have surpassed your credit limit. If this is the case, your credit limit might end up getting lowered. Finally, the bank could lock your account if it thinks that any of your transactions are the result of illegal activity such as money laundering. In this case, your account will probably remain locked until Capital One completes an investigation.

How to Unlock Your Account

You might as well do the easiest thing first. Log into your Capital One account. You'll easily be able to see if you're over your credit limit or are past due on payment. If either of these are the case, you will know how much money you must pay to take care of the problem. Once you have the money, take it into a Capital One bank, deposit it and talk to the customer service representative about getting your account unlocked.

If it isn't one of these cases, then you need to call Capital One. Ask the representative to explain the reason for the lock on your account. If it is a matter of suspicious transactions, you will quickly be able to determine if you made them or not. If you approve the transactions, your account will be unlocked. If you are suspected of using your account for illegal activity, there isn't much you can do but wait for the investigation to conclude.

Contacting Capital One

To contact a Capital One representative, you can call, use the Capital One chat or post a question on the Capital One help forum.

Why Did GetHuman Write "What Do I Do If My Capital One Account Is Locked?"?

After thousands of Capital One customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together What Do I Do If My Capital One Account Is Locked? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Capital One if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Capital One Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Capital One in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our What Do I Do If My Capital One Account Is Locked? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

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