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What Do I Do If My Capital One Card Was Lost or Stolen?

In a nutshell: Realizing that your Capital One card was lost or stolen can easily result in panic. Fast action is a must. There are several steps you can take to prevent additional issues, especially if it has already fallen into unauthorized hands.

Introduction

Realizing that your Capital One card was lost or stolen can easily result in panic. Fast action is a must. There are several steps you can take to prevent additional issues, especially if it has already fallen into unauthorized hands.

Go to the Capital One Website

Visit the Capital One website.

Find the Capital One Menu

Locate the menu on the Capital One website. It's the three horizontal black lines in the upper-left corner of the homepage.

Open the Menu

Click on the three horizontal black lines to expand the menu.

Locate the "Credit Cards" Line

Find the "Credit Cards" line. It's at the top of the menu to the left of a right-pointing arrow.

Go to the "Credit Cards" Section

Click on the right-pointing arrow next to "Credit Cards." This will take you to a page that says "Credit Cards" at the top.

Find the "Tips & Tools" Section

Scroll down on the "Credit Cards" menu until you find the "Tips & Tools" section.

Find the FAQs

Locate the "Credit Card FAQs" line in the "Tips & Tools" section.

Open the FAQs Section

Click on "Credit Card FAQs," which will direct you to a page that says "FAQ for credit cards" at the top.

Locate the "Lost or Stolen" Section

The first section on the page is "Account Information," but to its right is the "Lost or Stolen" section header. Click on the header to display the list of topics in that section.

Find the Sub-Section Pertaining to Your Situation

Look for the line that says, "How can I report a lost or stolen credit card?"

Expand the Section

Click on the "+" to the right of "How can I report a lost or stolen credit card?" This opens up the section.

Read the Paragraph

Read the paragraph under "How can I report a lost or stolen credit card?" It provides important details, including a direct link to start the process online.

Contact Capital One Customer Service

Calling Capital One and speaking to a customer service representative directly can be a good idea if you still need additional help or have questions. Explain the situation, including whether there were also fraudulent charges on your account. Be sure to record the name of the customer service representative you spoke with, the date and time, and any relevant notes about the conversation. Keep the information for your records.

Conclusion

Some people wait to see if the card turns up before they call their credit card company, but if there's even the slightest chance someone else could have it, it's better to contact Capital One sooner rather than later. This can help prevent significant stress and put the company on notice in case fraudulent charges start popping up.

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Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.

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Capital One

Asked 6 years ago
Updated 5 months ago
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