Capital One Lost or Stolen Cards Phone Number

  • Calls Capital One's Lost or Stolen Cards department
  • On average, callers wait 12 minutes to talk to a person when they call
  • Call center hours are 24 hours, 7 days
  • We recommend calling around 9:30am
  • Some common reasons that visitors to GetHuman call Capital One include Restricted Account, Bill Pay Problem, Lost or Stolen Card, Dispute a Charge, and Payment Inquiry.
  • Get a real live human at this number: Keep saying "Representative"
  • When you call Capital One and their automated voice system picks up, you hear: Say or enter the last 4 digits of your card number.
  • This is not the most popular Capital One phone number (it's ranked #5). Most customers call 877-383-4802 for support: Click here for best option

What It's Like to Call Capital One Phone Number 800-227-4825

Dec 18, 2023

Capital One's 800-227-4825 phone number is set up primarily to serve the company’s existing credit card customers. It also offers a variety of banking, investing, and loan services, but there are separate customer help lines for those departments.

When I called this number, I was greeted by an automated message that prompted me to enter my 16-digit credit card number. After entering my account number, I was prompted to enter the last four digits of my Social Security number.

Once I successfully verified these details, an automated message provided me with detailed information about my account, including my current balance, next payment amount, and payment due date. I was then taken to another menu that included options to get more information about payments, recent transactions, or ordering a replacement card.

I was interested in asking a question about a transaction on my account that may have been made in error, so I chose the recent transactions option. The automated system prompted me to enter specific information about that transaction, specifically the total amount of the charge. However, I wanted to speak with a representative before officially marking the transaction as a problem, so I chose to stay on the line to be connected with a rep.

The automated system informed me that it would be about a 10-minute wait to speak with a customer service representative. I was not given the option to receive a callback, so I waited on hold.

After waiting for approximately eight minutes, I was connected to a representative. She gave a friendly greeting and immediately asked me to again provide my account number and the last four digits of my SSN. After confirming my identity, I gave her details about the transaction I was concerned about — a recurring charge from a company offering a service I had canceled several months prior.

The rep was very pleasant and gave me the impression that she completely understood why I felt the charge had been made in error. I told her the exact date when I had canceled the service, and she agreed that I should not have been charged for service after the cancellation. Within minutes, she had reversed the charge and told me that no further action was required on my part.  

For existing Capital One customers, the automated system on this service line is straightforward and efficient. Once you enter and verify your account number, you are immediately provided with a basic overview of your account and menu options that make it simple to direct your call to the correct place. Although a customer callback option would be a nice feature, the overall efficiency of the system makes waiting on hold for a few minutes significantly less painful.

I would feel confident calling this Capital One customer service line again for any issues with my credit card account. If you are a Capital One customer looking for assistance with another one of their services — banking, loans, or investments — it would be a good idea to check the Capital One website for the number of the customer help line specifically dedicated to that service.

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 Lost or Stolen Cards Phone Number 800-227-4825 - Info & Statistics

Phone number to dial800-227-4825
Call-back availableNO
Message & get attentionNO
Call picked up by a real personYES
Department you're callingLost or Stolen Cards
Call center hours24 hours, 7 days
Best time to dial9:30am
Navigate phone maze to a humanKeep saying "Representative"
Average wait12
Current wait14
Rank (among phone numbers)5
Rank (overall)6
Alternate methodsphone or web or twitter
Quality of communication56%
Quality of help85%
Customer votes3,151
Best phone number877-383-4802
Information last updatedSun Apr 14 2024 10:00:00 GMT+0000 (Coordinated Universal Time)

Capital One's 800-227-4825 Lost or Stolen Cards Number

This Capital One phone number is ranked #5 out of 6 because 127,296 Capital One customers tried our tools and information and gave us feedback after they called. The reason customers call 800-227-4825 is to reach the Capital One Lost or Stolen Cards department for problems like Restricted Account, Bill Pay Problem, Lost or Stolen Card, Dispute a Charge, Payment Inquiry. As far as we can tell, Capital One has call center locations in Oklahoma or Texas or Florida and you can call during their open hours 24 hours, 7 days. Capital One has 6 phone numbers and 8 different ways to get customer help. We've compiled information about 800-227-4825 and ways to call or contact Capital One with help from customers like yourself. Please help us continue to grow and improve this information and these tools by sharing with people you know who might find it useful.

Calling Capital One

Calling Capital One at this number should be pretty straightforward. Also important is what you do once you call, or what your other phone number options are. Unfortunately, our call-you-back tool is not available for 800-227-4825. For companies that we support, we call for you, press the right buttons to get through the phone menus, wait on hold, and call you back when Capital One Lost or Stolen Cards agents can talk. It's not available here, but keep an eye out for it when future customer service issues arise with companies other than Capital One Once on the phone with Capital One's Lost or Stolen Cards department, you may need to provide them with information that identifies you as a customer, like your full name (or name on the account), email address, phone number, or an account number. It's usually worthwhile to gather this information before you call.

Contacting Capital One in General

While 800-227-4825 is Capital One's #5 most popular phone number, it's not the only way to get a hold of their customer care team. You already know from reading above that 877-383-4802 is their best customer phone number overall, and we have put together a comparison of their 8 total ways to contact support for you to look at as well. One thing to keep in mind as you try to reach Capital One help by calling them, is that other customers give their customer support at this number a 56% score for their communication skills and a 85% score for the overall help they received. That could be indicative of their abilities to help you resolve your problem overall, regardless of whether or not you call this number.

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