Make sure it's not fraud If a charge on your account doesn't look quite right and you feel it wasn't made by you or another authorized user on our account—contact us immediately at 1-800-227-4825.

Figure out if you can file a dispute Here are some typical situations where we can help you dispute a charge:

  • You didn’t receive merchandise or services you paid for
  • You canceled a service and you’re still being charged for it
  • You made a purchase, but the amount on your statement is wrong or you were charged twice
  • A credit you were supposed to receive didn’t show up on your statement

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

  • Make sure the charge has posted to your account. Capital One can't help you with a charge dispute until it's been posted. The easiest way to do this is online. If you don't have online access, you can easily enroll on our Online Banking page.
  • Check with other people authorized to use the account to make sure they didn't make the charge.
  • Check your receipts—it’s easy to confuse similar charges or forget about tips.

Try to resolve the situation with the merchant When Capital One resolves a dispute case, it can take up to 90 days. For that reason, it's a good idea to try to resolve your dispute directly with the merchant.

Get started online If you’re unable to resolve things with the merchant, you can begin the dispute process online.

  1. Sign into your account at the Account Sign In page
  2. Click on the charge in question and follow the directions under Report a Problem