How to Report a Lost or Stolen Capital One Card

Lost your Capital One credit or debit card? Here's how to report it, lock your account, and request a new card—step-by-step, online or by phone.

If your Capital One card is lost, stolen, or used without your permission, don’t wait. Capital One makes it easy to lock your card and report the issue — right from your phone, online, or by calling support.

Here’s exactly how to do it and what happens next.

🚨 Step 1: Lock Your Card Immediately

If you think your card has been lost or stolen, the first thing you should do is lock it to stop further charges.

You can lock it instantly by:

• Opening the Capital One mobile app
  
  

• Selecting your card
  
  

• Tapping “Lock Card”
  
  

Once locked, no one can use the card for purchases, withdrawals, or charges — even if they have the number.

📱 Step 2: Report the Card as Lost or Stolen

Option 1: Use the Capital One App

1. Open the app
   
   

2. Tap the card you lost
   
   

3. Select “Report Lost or Stolen”
   
   

4. Choose whether to request a new physical card
   
   

5. Confirm your mailing address
   
   

Option 2: Report It Online

1. Visit capitalone.com and log in
   
   

2. Select the card
   
   

3. Click “I lost my card” or go to the Help section
   
   

4. Complete the form to report and reorder
   
   

Option 3: Call Capital One Support

• 24/7 Lost/Stolen Hotline: 1‑800‑227‑4825
  
  

• From Outside the U.S.: 1‑804‑934‑2001
  
  

You’ll be asked to verify your identity and confirm your most recent transactions.

💳 Step 3: Get a Replacement Card

Capital One will automatically send you a new card once you report it lost or stolen. In most cases:

• You’ll receive the new card in 5–7 business days
  
  

• If you need it faster, ask for expedited shipping
  
  

• Your card number may change — update your billing info with any merchants
  
  

🧠 What to Do After Reporting

• Monitor your account: Check for unauthorized charges and dispute any you didn’t make
  
  

• Update your subscriptions: Change the payment method for apps, bills, or services
  
  

• Enable alerts: Turn on text or email notifications in the Capital One app
  
  

• Watch your email: Capital One will send shipping updates for your replacement card
  
  

🔐 Am I Liable for Fraudulent Charges?

Capital One offers $0 fraud liability, which means you’re not responsible for unauthorized transactions — as long as you report them promptly.

🔗 Related Help Articles

• Fix a Locked Capital One Card in 3 Steps
  
  

• Capital One Login Help – Reset or Recover
  
  

• How to Contact Capital One Customer Support
  
  

• Dispute a Fraudulent Capital One Charge
  
  

✅ Final Tip

If your card is missing, act fast. Lock it immediately, report it using the app or online, and check your account for unusual activity. Capital One’s process is simple and designed to protect you quickly.