Capital One is an American banking institution. The company was founded in 1994 and is now one of the 10th largest banks in the United States ranked by assets. Clients of Capital One can sign up for credit cards, auto loans, banking, and savings accounts. If you believe your Capital One card was lost or stolen, you'll need to act immediately. Keep reading for a detailed account of what steps you should take.
If you're not sure if the card has been permanently lost, you can lock your account first. This will allow you to have peace of mind as you search for the card.
Go to www.capitalone.com
In the top right corner select 'Sign In.'
Log in to your account with your username and password.
Click on 'Account Services and Settings.'
Under 'Account Management,' choose 'Lock Your Card.' Follow the prompted steps.
Open the mobile app on your phone.
Sign in to your account with your username and password.
Scroll down to 'Debit Card Help' and select 'Lock Card.'
If you still cannot find your card, the next step will be to contact Capital One's Customer Service team. Let the agent know that your card is lost or stolen and you have already locked the account. The customer service agent will help you cancel the card and issue a new one. The agent will go through the most recent transactions with you to see if there are any fraudulent charges present. Afterward, ask the customer service agent for an email confirming the cancelation went through.
For credit cards, as long as you reported the missing card right away, you will not be liable for unauthorized transactions on the card. For unauthorized transactions on debit accounts, an investigation will have to go into the case before the funds are reissued to your account. Keep an eye on your account statements for a few months after the incident.
For extra security, you should consider changing the username and password to your Capital One account.
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 Card Was Lost or Stolen? 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.
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 Card Was Lost or Stolen? 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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