How to Contact Capital One Customer Support

Need help with your Capital One account? Here's how to contact Capital One customer service by phone, chat, or app. Get fast support 24/7.

Need help with your Capital One card, account access, or a charge you don’t recognize? There are multiple ways to reach Capital One customer support, and in most cases, you can get help 24/7.

Here’s exactly how to contact Capital One using phone, chat, app, or secure messaging.

📞 1. Call Capital One by Phone

Calling Capital One is the fastest way to resolve urgent issues like card locks, login problems, or fraud.

• For general credit card support, dial 1‑800‑227‑4825
  
  

• For online banking or login help, call 1‑877‑383‑4802
  
  

• If you need to report fraud or dispute a charge, call 1‑800‑427‑9428
  
  

• If you’re calling from outside the U.S., use 1‑804‑934‑2001
  
  

• For auto loan questions, call 1‑800‑946‑0332
  
  

You’ll be asked to verify your identity, so calling from the number linked to your account speeds things up.

💬 2. Use the Capital One Mobile App for Chat Support

The Capital One mobile app offers a built-in chat feature where you can talk to a virtual assistant or live agent.

Open the app, tap your profile or account settings, scroll down to “Help” or “Contact Us,” and select “Chat.” You can ask questions about your balance, transactions, locked card, or anything else.

If you don’t have the app, download it here:

• iPhone (App Store)
  
  

• Android (Google Play)
  
  

🖥️ 3. Chat on the Capital One Website

You can also use live chat from your desktop. Go to capitalone.com, log in, and look for the “Chat” icon in the lower corner of the screen. You’ll connect with either an automated assistant or a human agent, depending on your request.

✉️ 4. Send a Secure Message

If your issue isn’t urgent, Capital One allows you to send a secure message through your online account.

Log in at capitalone.com, go to the Help Center or Messages section, and select “Send a Secure Message.” This is helpful if you need to ask about a dispute, upload documents, or track a request.

Replies typically come within 24 hours.

🧾 5. Mail Capital One

For written correspondence or sending documents, use the correct mailing address.

For general inquiries:
Capital One
P.O. Box 30285
Salt Lake City, UT 84130-0285

To send a payment by mail:
Capital One
P.O. Box 60599
City of Industry, CA 91716-0599

🧠 Common Reasons to Contact Support

You may need to reach Capital One if:

• Your card is locked or frozen and you can’t unlock it through the app
  
  

• You need to dispute a charge or report possible fraud
  
  

• You’ve forgotten your login or can’t access your account
  
  

• You have billing or credit limit questions
  
  

• You want to update account info like phone number or email
  
  

📌 Related Articles

• Fix a Locked Capital One Card in 3 Steps
  
  

• Capital One Login Help – Reset or Recover Your Account
  
  

• Set Up the Capital One Mobile App on iPhone or Android