Report fraud

Find the support you need to handle the situation.

Report fraud

Find the support you need to handle the situation.

Report an unauthorized transaction

If you see a charge that you do not recognize and you’ve confirmed it’s not an authorized user or recurring transaction, it may be an unauthorized transaction. You can also log in to your account to view more details about the transaction. If you do recognize the transaction but there’s a mistake with it, learn more about how to dispute your charge.
You may report unauthorized transactions by phone by contacting Capital One directly at the number on the back of your card, or at:
If you are outside the U.S., you may call collect at:
Don’t worry, you are never held responsible for unauthorized charges with $0 liability for Unauthorized Charges protection.

I requested a replacement credit card. When will it be delivered?

Standard delivery time for replacement cards is 4–6 business days. If you haven’t received yours within that time frame, please call us at 1-800-227-4825.

What happens if someone tries to use my deactivated credit card?

Your old credit card is no longer valid, so any transactions attempted with it will not be approved. As always, please continue to monitor your statement for unrecognized transactions.

Will my credit card payments post to the right account if I get a new credit card number?

Yes, as long as you continue making payments online, by phone or by mail, your payments will post correctly. Please also note:

  • If you're enrolled in automatic payments through a third-party vendor, you will need to update your credit card information with them in order for your payments to occur as scheduled.
  • If you're enrolled in Capital One AutoPay, no action is needed and your payments will occur as scheduled.
  • If you mail your payment, you can use your old card number until you receive your new one, then begin mailing payments using your new payment coupon.

What happens to recurring charges when I get a new credit card number?

Your card number has changed so once you receive your new credit card, you might need to give your new account information to all merchants that store your card information to be sure your future charges are approved. To help get you started, Capital One has compiled a list of your recurring charges and other places your card may be stored on your account. Please double check to make sure these are all your recurring merchants as Capital One may not have been able to detect all of them.  (In some cases, the Visa or Mastercard networks might inform the merchant of your new card number, eliminating the need to update your card information with the merchant.)

View My Recurring and Frequent Merchants

What happens if a credit is applied to my old credit card number?

Our systems are designed to post the credit to your new card number.

I see additional unfamiliar transactions on my old credit card account—what should I do?

Please give us a call at 1-800-227-4825.  (If you are outside the U.S., you may call collect at 1-804-934-2001.) An agent can add additional transactions to your fraud claim or open a new fraud claim.

I reported fraud on a “virtual card number” I made with the Eno Browser Extension – what does that mean and how does it impact me?

Reporting fraud on a virtual card number means that a fraudster got ahold of the virtual card number that you made in the Eno Browser. You will need to create a new virtual card number for the merchant that was compromised. You can do this by going to the merchant website on your computer and creating a new number with the Eno Google Chrome Extension. Additionally, you will need to get a new card issued. 

If you are eligible you can get a new card on our website.

Otherwise, contact Capital One using the number on the back of your card or at: 1-800-227-4825.  (If you are outside the U.S., you may call collect at 1-804-934-2001.)

8. Will there be any changes to my credit card account terms and/or rewards program as a result of having my credit card replaced?

No, they won’t change. All of your credit card account terms, including your rewards balance, will stay the same. We will transfer your rewards balance to your new account number.

9. What else can I do to protect myself from fraud?

Capital One provides a comprehensive set of features that can help you protect yourself from fraud:

  • Add your mobile number to receive 2-Way Text Alerts—If we detect potentially suspicious activity on your account we’ll send a text. You can reply in the moment to stop fraudulent activity. Add my number.
  • Use Card Lock – Lock your card with just a few taps from the Capital One Mobile app to try to prevent any unauthorized charges if your card is misplaced, lost, or stolen. Check it out.
  • Go incognito. Shop online with virtual card numbers and keep your actual card number to yourself. Check it out.
  • Sign Up for Instant Purchase Notifications – Receive a push notification on your phone each time a new purchase is approved on your account, so you can spot unauthorized charges the moment they happen. Sign Up.
  • Enroll in Paperless – Enroll in paperless settings to prevent your personal information being stolen from or en route to your mailbox. Enroll in Paperless.
  • CreditWise® from Capital One—Keep a close eye on your credit report and receive alerts anytime a new credit line is opened in your name (and reported to TransUnion or Experian. Also, now enjoy free Social Security number dark web monitoring. Sign Up.
  • If you believe you've been the victim of a scam - report the scam to the BBB Scam Tracker and the government via the FTC ReportFraud site. You may also want to report scammers directly to the FBI.

Related Content

Fraud & Disputes

Report a suspicious email or phone call

Forward a possible phishing email or phone number to us, and we'll take it from there.

Fraud & Disputes

Dispute a credit charge