Dispute a Merchant Charge

We’re sorry you’re having problems regarding a charge on your Capital One card. We know it can be frustrating for you. But we want to make the process of disputing this charge as easy as possible.

Step 1: Double-check your charge

In many cases, disputed charges turn out to be legitimate charges that people simply don’t recognize or remember. Before you dispute a charge, we recommend that you do a quick double-check…

  • Has the charge posted to your account? Before disputing a charge, please check to see if the charge has been posted to your account. Capital One can't help you with a charge dispute until the charge has been posted.
    One way to check for the charge is to look at your account statements online. If you don't have online access, you can easily enroll in Online Banking by following the instructions prompted here. Otherwise, you can check your most recent paper statement for the charge.
  • Don't recognize the charge? Check with other persons authorized to use the account to make sure they didn't make the charge.
  • Don’t recognize the amount? Check your receipts—it’s easy to confuse similar charges or to forget about tips.

Step 2: Consider the circumstances

Unable to resolve it with the merchant? There are many dispute situations, here are some typical situations where we can help you dispute a charge:

  • You didn’t receive merchandise or services you paid for
  • You didn’t receive a cash advance that went through at an ATM
  • You canceled a service and you’re still being charged
  • A credit you were supposed to receive didn’t show up on your statement
  • The amount is wrong or you were charged for the same transaction twice

In some circumstances, we may be unable to assist you in disputing your charge with the merchant. In those types of situations, you will receive written notification.

Step 3: Get started

If you’re ready to dispute a charge, contact us using one of four different ways:

Contact us

Contact by Phone
Phone 1-800-CAPITAL (1-800-227-4825)
  1.  to your account
  2. Go to the "Services" tab
  3. Go to "Dispute a Charge" under the Customer Service heading
Fax 1-888-435-4217
Mail Capital One
PO Box 30279
Salt Lake City, UT 84130-0279


Call us anytime at 1-800-CAPITAL (1-800-227-4825)