Bank securely

We’re committed to protecting your personal and financial information, and as your partner, we want to let you know how you can help. Of course, if your information ever does fall
into the wrong hands, we’ll be here to make it right.

We’re committed to protecting your personal and financial information, and as your partner, we want to let you know how you can help. Of course, if your information ever does fall into the wrong hands, we’ll be here to make it right.

Your security is a top priority

Here you’ll find tips to help with various situations, along with our contact information. Whether your card’s missing or something’s suspicious with your account, contact us and we’ll help you right away.

Need Help?


Contact us immediately if an unauthorized person has accessed your credit card(s).

Contact us by phone

Customer service1-800-CAPITAL (1-800-227-4825)
Outside the US, call collect1-804-934-2001
Fraud Protection1-800-427-9428
International collect calls to report a lost or stolen card1-804-934-2001
 

Our Part — How we protect you


When you contact us:

  • When you initiate contact with Capital One, we’ll verify your identity before sharing account information or performing transactions on your behalf.
  • Our agents, whether over the phone or in our branches and cafes, may ask you to verify information we have on file or ask other questions to confirm your identity.
  • Our agents will not ask you over the phone to provide your online banking password.

When we contact you:

  • We may contact you by email with offers or to provide account information. If you’re ever in doubt about a communication instance, forward any suspicious emails to abuse@capitalone.com.
  • Our Fraud department may contact you if we detect unexpected activity on your account. Fraud agents will require verification of your identity prior to discussing your account.
    • We may contact you via text to confirm an attempted charge (to prevent fraud), but we will never ask you to confirm or verify your personal information in an unsolicited text message.
  • If you ever suspect the party contacting you is not Capital One, please tell the caller that you would prefer to contact Capital One directly and call back using the contact numbers on our site or on the back of your card.
  • We’ll never ask you over the phone to provide your online banking password.

How We Protect You

  • Social Security Number Protections. Safeguards are in place to protect your information. We prohibit the unlawful disclosure of your Social Security number and restrict access to your Social Security number except when required for authorized business purposes.
  • Security Checks. Capital One uses several security features to help protect your accounts from unauthorized access. You may be asked to provide additional verification of your identity if we detect changes in your online sign-on related to your device, location, or other factors, or you are attempting an online transaction that requires added security. The protection of your account and identity is important to us and we continue to strive to enhance our security to protect you against fraudsters.
  • Multi-Factor Authentication. One way to help keep your information safe is using multi-factor authentication like SwiftIDSM by Capital One. Basically, this adds another level of security by requiring a different piece of information in addition to your password. These secondary factors could be a security question, a code sent to your phone, or even your fingerprint.

How You Can Protect Yourself

  • Best Practices. Safeguard your online banking credentials, including username and password, by keeping them private and secure. Make sure your password is complex, making it difficult to guess, and create distinct sign-in credentials that are different than those used for social networking or other online accounts.
  • Check for Secure Sites. Look for an “https” or a lock symbol next to the site’s URL. In some browsers, the address bar will also turn green. This indicates it’s an encrypted, safe connection.
  • Stay Safe on Public Wi-Fi. Public Wi-Fi is just that—public. Don’t access personal accounts on unsecured Wi-Fi networks and pass on making any purchases until you have a private connection to help prevent credit card fraud. When using public or shared computers (like in a library), be aware of your surroundings, including people who could look at your computer screen. Do not select the “remember me” feature for your username and password.
  • Beware of Malware. Malware is malicious software that is intended to damage or disable computers and computer systems. Your computer can potentially be infected when you open an attachment, click on a pop-up ad, or download a game, song, screensaver, or other application. Only download programs and files from legitimate sources. It is not uncommon for malware to be embedded within an otherwise legitimate program or file when advertised for free through file sharing or other sources not endorsed by the original manufacturer.
  • Stay Up to Date. Fraudsters use social media to target you for your personal information. Never share personal, banking, or password information on these platforms.
  • Be Vigilant on Social Media. Keep your software updated with the latest version and install manufacturer-provided patches. This is especially important for operating systems, Web browsers, and security software, but also applies to all programs.
  • Let Capital One Know. Report any suspicious emails, phone calls, text messages, or social media communications claiming to be from Capital One to abuse@capitalone.com.

We offer various ways to move money electronically for the purpose of paying bills, making purchases and managing your accounts. Such services include, ATM/debit cards, electronic check conversion, phone transfers, online bill payment and online banking external funds transfer. When using these services, we ask that you monitor your account and alert us of any unauthorized transactions. Read more about EFT under the Resources section on this page.

Your Part — What you can do


Please review the tips below and be aware of your surroundings when using any ATM.

  • Be prepared: Have your deposit slips, checks, endorsements, and other documents ready.
  • Be cautious: Inspect the ATM for skimming devices that can be attached to ATMs and capture your card information. Protect your PIN by shielding your PIN entry with your hand or body.
  • Be observant: Scan the surrounding area prior to approaching an ATM. If you feel uneasy for any reason, leave the area.
  • Be patient: If you see another person using the ATM, allow them to finish their transaction before approaching.

Tools you can use


If you use the Capital One app, you can use mobile app verification to verify your identity and keep your account secure. Mobile app verification uses your sign-in credentials and your phone to help ensure that you – and only you – can access your Capital One account. Find this feature in the Security menu of the app.

Learn more about Mobile App Verification.

Credit Tracker Icon

Keep track of your credit standing and monitor your credit score with our free CreditWise tool.

  • Receive an alert whenever an inquiry is made to your credit—like if an account is opened in your name or a change of address is requested.
  • Receive alerts if changes occur to your credit standing—like if an account is reported delinquent.
  • Check your credit alerts online anytime to see things like the reporting of improved accounts.

Learn more about CreditWise.

Resources


  • Add yourself to the national Do-Not-Call registry at donotcall.gov or call 1-888-382-1222.
  • Opt out of receiving preapproved credit offers by calling 1-888-5-OPT-OUT and remove your name from direct mail lists by visiting dmachoice.org.
  • Check out the FBI’s list of common fraud schemes.
  • Learn more about online fraud schemes and how to protect yourself at Stay Safe Online.
  • Learn more about identity theft by visiting the Federal Trade Center’s (FTC) site.

 

Commercial


Beyond the practices and procedures that we have in place and recommend for all our customers, our customers with Commercial accounts should take extra precautions to ensure the safety of their data.

Protecting Online Payments and Account Data
While it’s your responsibility to safeguard your own data, including information that can be used to access your accounts at Capital One, we recommend that you consider implementing the following controls for your business:

  • Evaluate your internal controls for online banking and conduct an annual risk assessment. Identify gaps and continuous improvement opportunities to ensure the safety of your financial data and resources.
  • Dedicate and restrict one computer to online banking transactions, and allow no Internet browsing or email exchange on it. Ensure that each computer is equipped with the latest versions and patches of both anti-virus and anti-spyware software.
  • Segregate responsibilities among different employees by maintenance, entry, and approval.
  • Delete online user IDs as part of the exit procedure when employees leave your company.
  • Assign dual system administrators for online cash management services.
  • Periodically evaluate employee job functions and remove online services.
  • Establish transaction limits for employees who initiate and approve online payments.
  • Set up alerts to notify managers of payments initiated above a threshold amount that warrant management's attention.
  • Use dual controls: Require multiple users to release an online payment since it is less likely that a fraudster would control the workstation of both initiating employees.
  • Reconcile records by carefully monitoring account activity and reviewing all transactions initiated by your company on a daily basis.
  • Use separate accounts for electronic and paper transactions to simplify monitoring and tracking any discrepancies.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

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Apple Pay is not currently available for some of our partnerships cards.

Capital One does not provide, endorse, nor guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.