What Do I Do If My Capital One Card Was Lost or Stolen?
Your Capital One card can provide access to your bank accounts. If you've recently lost your Capital One card, or think it was stolen, follow these steps to find out what to do next.
Capital One is an American banking institution. The company was founded in 1994 and is now one of the 10th largest banks in the United States ranked by assets. Clients of Capital One can sign up for credit cards, auto loans, banking, and savings accounts. If you believe your Capital One card was lost or stolen, you'll need to act immediately. Keep reading for a detailed account of what steps you should take.
Lock Your Card on Desktop
If you're not sure if the card has been permanently lost, you can lock your account first. This will allow you to have peace of mind as you search for the card.
Go to www.capitalone.com
In the top right corner select 'Sign In.'
Log in to your account with your username and password.
Click on 'Account Services and Settings.'
Under 'Account Management,' choose 'Lock Your Card.' Follow the prompted steps.
Lock Your Card on the Mobile App
Open the mobile app on your phone.
Sign in to your account with your username and password.
Scroll down to 'Debit Card Help' and select 'Lock Card.'
Contact Capital One Customer Service
If you still cannot find your card, the next step will be to contact Capital One's Customer Service team. Let the agent know that your card is lost or stolen and you have already locked the account. The customer service agent will help you cancel the card and issue a new one. The agent will go through the most recent transactions with you to see if there are any fraudulent charges present. Afterward, ask the customer service agent for an email confirming the cancelation went through.
For credit cards, as long as you reported the missing card right away, you will not be liable for unauthorized transactions on the card. For unauthorized transactions on debit accounts, an investigation will have to go into the case before the funds are reissued to your account. Keep an eye on your account statements for a few months after the incident.
For extra security, you should consider changing the username and password to your Capital One account.
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