Capital One

Capital One Financial Corporation is a U.S. bank holding company based in Tysons, Virginia. It is one of the largest banks in the country by assets and the largest issuer of credit cards in the U.S. It also offers consumer and commercial banking, auto loans, and small business banking. Capital One completed its acquisition of Discover Financial Services in 2025. The company trades on the New York Stock Exchange under the symbol COF.

Telephone
Main : (844) 348-8660
Customer service : (877) 383-4802
Headquarters
1680 Capital One Dr.
McLean, VA 22102-3491
Mailing address
Banking — general correspondence, Capital One Bank, P.O. Box 85123
Richmond, VA 23285
Website
capitalone.com

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. This customer had clear proof that she didn’t make the purchase on her account, but Capital One still wouldn’t help her.

How to resolve a problem with Capital One

Try self-service first

Use our proven resolution methods.

Contact an executive

Start with the primary contact below, then escalate step by step if needed.

Get free advocacy help

Contact Elliott Advocacy for free mediation of unresolved complaints.

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

We care about accuracy. If any of the following email addresses bounce back or the phone numbers are incorrect, please report it to us immediately through this form.

How fast does Capital One respond?

Phone support

 Capital One generally responds to phone inquiries in 1 to 30 minutes.Availability: Bank customer service is available 7 days a week from 8 a.m. to 11 p.m. Eastern time.

Email support

 Capital One generally responds to inquiries in 1 to 5 business days.

Live chat support

Live chat is available through the Capital One Help Center and the mobile app.

Live chat with an agent is generally available 7 days a week from 9 a.m. to 9 p.m. Eastern time.

Social media

Capital One is active on platforms such as Facebook, X, Instagram, LinkedIn, and YouTube. Customer service is handled through @AskCapitalOne on X and via direct message on Facebook and Instagram. Response times generally range from a few minutes to several hours depending on platform and inquiry complexity. 

Help center/FAQ

Capital One help center/FAQ provides quick answers to common questions regarding...

Verified contacts

Capital One customer service executives

Maintained by Elliott Advocacy and updated regularly. Here’s how we do it →

Primary
Andrew M. Young
Chief Financial Officer
Chief Executive
Richard D. Fairbank
Chairman, Chief Executive Officer and President

Capital One customer service policies

Capital One's online privacy policy applies to its online services and explains how the company collects, uses, and shares information. It states that information may be shared with affiliates, including companies under the Capital One, Discover, DFS, Capital One Shopping, Velocity Black, Diners Club International, PULSE Network, and Student Loan Corporation names. The policy describes tracking technologies, targeted advertising opt-outs, and privacy choices available to consumers. Separate notices cover U.S. consumer privacy and California (CCPA) disclosures.

Capital One loyalty program

Capital One does not operate a single account-wide loyalty program. Rewards are tied to individual credit card products. Venture cardholders earn unlimited 2X miles on every purchase and 5X miles on eligible purchases through Capital One Travel and Capital One Entertainment, and miles can be transferred at a 1:1 ratio to more than a dozen airline and hotel partners. Other card families include Quicksilver (cash back), Savor (dining and entertainment cash back), and Spark (small business).

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 (844) 348-8660. The line will route the call based on the caller's selection.
  • If you have an existing Capital One credit card account and need assistance unrelated to fraud, call (800) 227-4825 or (844) 348-8660.
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.
Capital One's general customer service line is available 24 hours a day. Live chat through the Capital One website runs 9 a.m. to 9 p.m. Eastern time, seven days a week.
  1. Sign in to your online account.
  2. Select the card you want to close.
  3. Select the 'I Want To' menu and choose 'Close Account' under 'Control Your Card..
  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. The merchant or business 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 the 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. Eastern time.
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.
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 and Conditions” to learn more about any changes you might see
For Credit Card, Line of Credit and Small Business: Capital One Attn: General Correspondence P.O. Box 30285 Salt Lake City, UT 84130-0285 For Banking: Capital One Bank Attn: Bank by Mail P.O. Box 85123 Richmond, VA 23285 For Auto Finance: Capital One Auto 7933 Preston Road Plano, TX 75024-2302
The settlement covers people who held a Capital One 360 Savings account at any time from Sept. 18, 2019, through June 16, 2025, including joint and co-holders, although cash payments go only to primary account holders. Eligible customers do not need to file a claim — a check will be mailed automatically to the last known address if the payment is $5 or more, unless they chose electronic payment. A federal judge approved the settlement in April 2026, but a class member appealed in June 2026, which has delayed payments. No new payment date has been set. Holders of only 360 Performance Savings accounts are not included.
Capital One stated that customer accounts and banking relationships remained unchanged at the time of acquisition closing, and that the company will continue to offer Discover credit card products as Discover-branded cards alongside its other consumer cards. Customers will be provided with information in advance of any future changes. For now, customers should continue using the number on the back of their Discover card or call (800) 347-2683.
A January 2025 outage was caused by a power outage at FIS Global, a third-party vendor; account functionality was restored on Jan. 19, 2025, after a multi-day disruption. A separate disruption affected deposit processing, payments, and transfers; the company said it would process all delayed deposits and transactions once systems were restored. During outages, monitor @AskCapitalOne on X for updates and avoid initiating duplicate transfers.
Between April 2024 and September 2024, Capital One paid 4.35% APY on 360 Performance Savings compared with 0.30% APY on 360 Savings. At the time of a June 2025 proposed settlement, the rates were 3.60% APY (Performance) vs. 0.50% APY (legacy 360 Savings). The product name and current APY are shown on your statement and inside online banking. If you are unsure, sign in at capitalone.com or call (800) 655-2265.
Sign in to the Capital One app or website, select the transaction from your recent transaction list, choose "Report a problem," and answer questions about the charge. Capital One offers $0 liability for unauthorized charges. If your card was compromised, Capital One will lock it and issue a replacement with a new card number, which typically arrives in 4 to 6 business days.
First, call Capital One's feedback and complaints line (details at capitalone.com/help-center/contact-us/feedback) at (844) 348-8660. If the issue remains unresolved, send a letter to executive offices at 1680 Capital One Dr., McLean, VA 22102-3491, addressed to one of the executives listed above. Customers can also file complaints with the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency, both of which supervise Capital One.
Capital One completed the Brex acquisition on April 7, 2026; the company describes Brex as an AI-native software platform offering corporate cards, automated expense management, and real-time payments. Brex's rewards program remains unchanged for the time being. Account servicing continues through existing Brex channels until customers are notified otherwise.
Yes. Tell the operator you are calling the U.S. collect and provide the phone number (804) 934-2001. Give your name as "Capital One Customer" when asked.

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