Capital One Customer Service Contacts

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Capital One is one of the largest banks in the United States, serving approximately 45 million customer accounts.

How to reach a person at Capital One

Main: (703) 720-2500

Toll Free: (800) 227-4825

International: (804) 934-2001

abuse@capitalone.com (for phishing or scams)

https://www.capitalone.com/

Capital One Responsiveness rating

rating
3/5

The Elliott Responsiveness Rating scores companies based on how responsive they are to customers. Here's more information about our ratings.

What you need to know about Capital One

The company responds to most customer complaints in a satisfactory manner. We've had some recent problems with extra charges on Capital One cards for memberships our readers did not want. Capital One has also run some misleading ads in the past.

How to resolve a problem with Capital One

This guide on how to solve a customer service problem will help you resolve most problems with the company. You can also refer to the executive contacts below or contact our advocacy team directly.

Note: If you’re having customer service trouble, please use our proven methods for fixing any consumer problem before contacting any company manager directly.

Capital One mailing address

1680 Capital One Dr.
McLean, VA 22102-3491
https://www.capitalone.com/

Capital One social media channels

Facebook

Twitter

Capital One executive customer service contacts

Primary Contact
Tim Erxleben
Director of Operations
1680 Capital One Dr.
McLean, VA 22102-3491
timothy.erxleben@capitalone.com

Secondary Contact
Sanjiv Yajnik
President, Financial Services
1680 Capital One Dr.
McLean, VA 22102-3491
Sanjiv.Yajnik@capitalone.com

Kleber Santos
President, Retail & Direct Bank
1680 Capital One Dr.
McLean, VA 22102-3491
Kleber.Santos@capitalone.com

Chief Executive
Richard D. Fairbank
CEO
1680 Capital One Dr.
McLean, VA 22102-3491
Richard.Fairbank@capitalone.com
(703) 720-1000

Frequently asked questions about Capital One

If you need to get in touch with Capital One US customer service, here are a few options:

1.     Phone Support:

  • For general inquiries, you can call 1-877-383-4802. They’ll direct your call to the right person based on your specific needs.
  • If you have an existing Capital One credit card account and need assistance unrelated to fraud, call 1-800-227-4825 (1-800-CAPITAL).

2.     Chat with Eno:

  • Eno is Capital One’s digital assistant. You can send a message to Eno through the app or over text.

Capital One does not provide a direct customer service email address. However, if you have general, non-urgent queries, you can email them at customercare@capitalone.com.

Capital One's customer service is available 24/7, 7 days a week.

To close your Capital One credit card account, you can follow these steps:

  1. Sign in to your online account.
  2. Select the card you want to close.
  3. Click on the “I want to” button and find “Close Account” under the “Control Your Card” section.
  4. Follow the prompts to close your credit card account.

If you need a refund from Capital One US, here’s how you can go about it:

1.     Contact the Merchant: Contact the business or merchant from whom you purchased. Explain your situation and request a refund. They will process the refund and return the funds to Capital One if they agree.

2.     Credit Card Refund Process:

  • The merchant sends the funds to the credit card network.
  • The credit card network routes the refund to Capital One.
  • Capital One credits the refunded amount back to your credit card account.

3.     Refund Duration:

  • The time it takes for a refund to appear on your account varies. Some refunds show up immediately, while others may take a few days.
  • Check the merchant’s return policies to estimate how long your refund might take.
  • If your billing cycle ends during the refund processing, it will likely reflect on the following month’s credit card statement.

4.     Requesting a Refund:

  • Visit the merchant’s website to review their current refund policies.
  • Gather necessary documents, such as the purchase receipt and confirmation number.
  • You can request a refund online or via email to avoid waiting on hold.

Remember that merchant refunds differ from credit card disputes and chargebacks, which often relate to billing errors and fraud.

 If you’re looking for Capital One’s customer service chat support, here are a few options:

1.     Live Chat on Capital One US Website:

  • Visit the Capital One Help Center.
  • Click on the blue chat circle at the bottom right of the page.
  • You can chat with a representative 7 days a week, from 9 a.m. to 9 p.m. ET.

2.     Chat with Eno (Digital Assistant):

  • You can also interact with Eno, Capital One’s digital assistant:
    • Send a message to Eno through the Capital One app or over text.
    • Eno can assist with various tasks, including answering questions and providing support.

 If you need to modify or change a Capital One service, here are the steps you can follow:

1.     Update Contact Information:

  • To update your address, email, or phone number, you can do so easily online:
    1. Sign in to your Capital One account on the website.
    2. Click on your name or profile icon in the top right corner.
    3. Select “Profile” to access and edit your contact information.
    4. If you have a Capital One branch account, please contact them by phone or visit the branch to update your contact details.

2.     Manage Payment Accounts:

  • If you want to change or remove an existing payment account associated with your Capital One account:
    1. Click on your profile picture.
    2. Select “Settings.”
    3. Choose the account you want to modify and follow the instructions

3. Account Changes:

  • For other changes related to your account, such as terms and conditions updates:
    1. Sign in to your account on the Capital One website.
    2. Click on the relevant account tile.
    3. Select “View Details” in the upper-left corner.
    4. Scroll down to “View Current Terms & Conditions” to learn more about any changes you might see

If you’re an international customer and need to contact Capital One, you have a few options:

1.     Collect Call Support:

  • You can call Capital One from outside the U.S. at no charge.
  • Here’s how:
    1. Find an international operator by visiting www.att.com/traveler.
    2. Inform the operator that you’re calling the U.S. collect.
    3. Provide them with the Capital One phone number: 1-804-934-2001

2. General Customer Service:

  • If you prefer to speak directly with a representative, call Capital One at 1-877-383-4802.
  • They’ll guide you to the right person based on your query, whether it’s related to credit cards, auto financing, or other services.

If you need to file a complaint with Capital One customer service, you have a few options:

1.     Online Complaint Submission:

  • Sign in to your Capital One account.
  • Navigate to the Help section and look for Complaints within the Your Account category.
  • Alternatively, you can write to them at:

Complaints Resolution

Capital One

PO Box 5281

McLean, VA 22102-3491

  • They will acknowledge your complaint in writing within 30 days of receiving it and aim to resolve it within 90 days.

2.     Customer Support Phone Line:

  • If you prefer to speak directly with a representative, call Capital One at 1-844-348-8660.
  • Share your feedback or complaint about your credit card, bank account, or auto financing. They’ll work to make things right for you.

How to get professional help with your Capital One problem

If you need help with a Capital One problem, you can contact our advocacy team or just push the button.

Get Help

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This contact was published on February 15, 2015 and updated on March 26, 2024.