Capital One Bank Servicing

Phone Number & Getting a Rep

Capital One Bank Servicing number

Toll-free·Calls Bank Servicing·See main phone number & contact info

How do I talk to a human at this Capital One number?

A:Press 1 then 0

Does this phone number work 24/7?

A:Yes! This phone number operates 24 hours a day, 7 days a week. The least busy day is Wednesday, and the most busy day is Friday. See below for more and to learn where this data comes from.

How long will I have to wait to speak to Capital One Bank Servicing?

A:The average hold time is 13 minutes. The longest hold times are on Thursday, and the shortest are on Wednesday.

All Capital One customer service contact information

This is the #2 most popular Capital One phone number out of 6. Click above to go back to the main customer service number and other contact information, including Capital One email addresses, twitter handles, and live chat options.

More Capital One Customer Phone Numbers

Customer Service

Main phone number · Toll-free · 24 hours, 7 days · Press 0# then 0# then 0 then 0# then 5 · Which of these can I help you with? Credit cards, press 1. Bank account, press 2. Auto loans, press 3. Credit wise, press 4.

Credit Card Rewards

Toll-free · 24 hours, 7 days · Dial 0, for Capital One No Hassle Rewards · Say or enter the last 4 digits of your card number.

Online Banking Assistance

Toll-free · 24 hours, 7 days · Use this number for Online Banking Assistance · In a few words, tell us how we can assist you today.

Lost or Stolen Cards

Toll-free · 24 hours, 7 days · Keep saying "Representative" · Say or enter the last 4 digits of your card number.

International Customer Service

24 hours, 7 days · Calling this Capital One number should go right to a real human being · Please say or enter your 16-digit card number.

How do I get through the phone menu to a real live person?

GetHuman researchers routinely call this Capital One phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 1 then 0
Here is how our research team describes the way the Capital One phone system greets you: In a few words, tell us how we can assist you today.

What are the hours and when should I call?

Capital One operates the call center for this 800-655-2265 phone number 24 hours, 7 days. The short answer is that you should call on a Wednesday. This observation and the following section are based on analysis of a sample set of 21,216 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Capital One phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Capital One staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Capital One is Wednesday. The most busy day to call is Friday. Again, this is based on a sample of 21,216 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Wednesday. The longest wait in the queue on average occurs on Thursday.

The best time to call

In summation, the best day to call Capital One is Wednesday. In this case, it's a no-brainer. Wednesday is not only the least busy day for calling this Capital One number, but it is also the day with the shortest hold times.

Calling this Capital One Customer Number

Jeff Whelpley is the editor / author responsible for this content.
Dec 20, 2023

Upon calling Capital One, customers are greeted with instructions to select 8 for Spanish, followed by options to get help with a Capital One bank account or credit card. Since I have a Capital One credit card, I wanted to find out if it was possible to lower my interest rate to decrease my monthly payments. 

I said the words 'credit card' and was placed on hold while being transferred to the right department. In less than a minute, an automated recording prompted me to enter the last four digits of my card number. I was also given the option to apply for a new account if I didn't already have one. 

After entering the requested numbers, I waited on hold again while my account information was being retrieved. Once the automated system shared my account status, I was offered more options for proceeding. You can choose to access balance details, recent transactions or account updates. You're also allowed to say 'representative' to be transferred directly to a customer service representative, which I thought was helpful for anyone needing immediate assistance.

I selected representative and waited on hold for about five minutes before I was connected to an agent. He confirmed my name, address and account information before asking how I could be helped. I explained that I wanted to reduce my current interest rate, asking if Capital One had any current offers to make this happen. While I've been in the process of paying down the balance, I told the rep, based on my long history and good standing with Capital One, that I was looking to keep the account open but lower my monthly payments. 

The rep said he would place me on a brief hold to check my account and see if there was an option for a reduced rate. After a few minutes, he returned to explain that, currently, there weren't any lower rates, but I could apply for a hardship program if I would be willing to close the account. This would allow me to pay down my balance faster with a drastically reduced annual percentage rate, he shared. While I appreciated the offer, I told him I wasn't interested in closing the account, which could affect my credit rating. Instead, I asked if there was a supervisor I could speak with about other options, and he said he would connect me. 

Another brief hold led me to a supervisor who listened to my request but also explained that they currently couldn't negotiate anything lower. Again, I was told I could only close my account to pay down the balance faster under their approved hardship program. This was disappointing, but I didn't want to face any hits to my credit report, so I ended the call with a less-than-enthusiastic thank you. While I wasn't successful in my mission, I appreciated the convenient access to customer service reps with minimal time spent on the phone. 

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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