Report an unauthorized transaction as fraud

If you see a charge that you do not recognize, it may be fraud. Before you report fraud, please make sure that neither yourself nor an authorized user made the transaction. You can report fraud online by clicking the button below and logging in to your account. You can also log in to your account to view more details about the transaction and select the “Report a Problem” link in the transaction details section to start a fraud report.

Report Fraud

You may also report fraud by phone by contacting Capital One directly at:

1-800-227-4825

If you are outside the U.S., you may call collect at:

1-804-934-2001

Don’t worry, you are never held responsible for unauthorized charges with $0 fraud liability.

Correct a problem with a legitimate charge

If you see a charge from a merchant you recognize or have done business with, but there’s something wrong with the charge, you may file a dispute. Here are some situations where Capital One can help you dispute a charge:

  • You didn’t receive merchandise or services you paid for
  • You cancelled 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

Here are the steps you can take to dispute a charge:

  1. 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.
  2. File a dispute with Capital One. If you are unable to resolve the issue with the merchant, you can begin the dispute process online by selecting the charge in question and clicking “Report a Problem.”

You may also file a dispute by phone by contacting Capital One directly at:

1-800-227-4825

If you are outside the U.S., you may call collect at:

1-804-934-2001

Report your credit card lost or stolen

Report your card lost or stolen if you’re missing your card or think someone stole your account number. When you do, Capital One will immediately lock the lost card so no one else can use it and issue you a replacement card with a new card number.

If there are transactions you do not recognize pending or posted to your account, please refer to the fraud section of this page. Remember, you will never have to pay for unauthorized charges due to $0 fraud liability with Capital One.

Click here to report your card lost or stolen:

Report Card Lost Or Stolen

You may also report your card lost or stolen by phone by contacting Capital One directly at:

1-800-227-4825

If you are outside the U.S., you may call collect at:

1-804-934-2001