Capital One Customer Service: How To Get the Support You Need
Written by
Kristopher Kane
Edited by
Nupur Gambhir
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Understanding Capital One Customer Service Options
When you want answers, sometimes, you need to talk to a real person. Whether you’re dealing with possible identity fraud or just have a few questions about your account, getting in touch with your bank’s customer service can be vital.
If you’re a Capital One customer, there’s good news — you’ve got various contact options when it comes to reaching out for help. Keep reading for a guide to contacting Capital One customer service as quickly as possible.
Capital One Customer Service Numbers
You can reach the general Capital One customer service line by calling 1-877-383-4802. You’ll be directed to the correct department from there.
If you already know which department you need to reach, you can find the phone numbers for credit card support, business accounts, loans and more here.
| Department | Customer Service Number |
|---|---|
| Personal Banking Customer Service | 1-800-655-2265 |
| Credit Card Customer Service | 1-800-227-4825 |
| Credit Card Online Account Support | 1-866-750-0873 |
| Credit Card Fraud Protection | 1-800-427-9428 |
| Existing Auto Loan Customer Service | 1-800-946-0332 |
| Auto Loan Applications | 1-800-689-1789 |
| Auto Refinancing Applications | 1-833-292-8336 |
| Personal Loan Customer Service | 1-800-926-1000 |
| Business Banking Customer Service | 1-888-755-2172 |
| Small Business Credit Card Customer Service | 1-800-867-0904 |
| International Credit Card Customer Service | 1-804-934-2001 (call collect) |
| Report a Lost or Stolen Debit/ATM Card Internationally | 1-804-967-1000 |
Capital One Customer Service Hours
Capital One customer service is generally available between 8 a.m. and 11 p.m. EST any day of the week, though specific departments may have different hours. Note that services other than fraud protection may not be available on holidays.
You can also receive customer service support by visiting a branch. You can locate a branch near you by using the Locations Finder on the Capital One website. Most bank branches are open from 9 a.m. to 5 p.m. Monday through Friday. Some may be open from 9 a.m. to 12 p.m. on Saturdays, as well. The Locations Finder will list individual branch hours and contact information.
Contacting Capital One via Email and Online Chat
Capital One does not have a customer service email address, but you can chat with Eno, Capital One’s digital assistant, through texting or the Capital One app.
To get started with Eno, you’ll need to sign in to your Capital One account online or in the app.
- To text Eno: Consent to receive texts from Capital One through your account. Then you can text 227-898 to start chatting.
- To chat with Eno through the app: Sign in and select the Eno icon.
The virtual agent may not be able to help with every problem, so you’ll still want to call if you have an urgent inquiry.
Visiting a Capital One Branch for In-Person Help
If you prefer to speak with someone face-to-face, you can visit a Capital One branch or Café.
You may want to call ahead to make an appointment at your local branch for anything more complicated than making a withdrawal or deposit, to make sure a banker is available to help you without your having to wait too long. You can find the contact information for your branch through the Locations Finder.
You’ll find different services available, depending on whether you go to a bank branch or a Café location.
At Cafés, you’ll find:
- Food and drinks, to dine in or take to go
- Basic banking services, including opening an account and checking your balance
- ATMs
- Free Wi-Fi and work spaces.
At Capital One branches, you’ll have access to these services, among others:
- Account opening and debit card activation
- Deposits, withdrawals and transfers
- Check cashing
- Cashier’s checks
- Loan applications
- Making payments on loans and credit cards.
Tips for Getting the Best Support From Capital One
Here are a few tips to make sure you get the best support possible from Capital One customer service:
- Have your information ready: Before you call, make sure you have your account number and other identifying information on hand, along with any information relevant to the issue you’re calling about.
- Call at the right time to wait less: The best time to call is usually first thing in the morning, right when customer service opens at 8 a.m. EST. If you’re not able to call right away, the first few hours of business will typically be less busy. You may also find shorter wait times on Wednesday or Thursday, rather than calling closer to the weekend.
- Don’t be afraid to escalate: If the first person you speak to isn’t able to help, ask to speak to a supervisor. And if you’re still not satisfied, you can file a complaint through your account online or by calling the general customer service number: 1-844-348-8660.
How To File a Complaint With Capital One
If your issue isn’t resolved through standard customer service channels, you have a few options for filing a complaint:
- Log in to your Capital One account: You can submit a complaint through your online banking portal.
- Call the escalation line: Dial 1-844-348-8660 to speak with a representative about unresolved concerns.
- Send a written complaint: Mail your concern to Capital One’s corporate office. Check the official website for the correct mailing address.
- Contact the CFPB: If you’ve exhausted Capital One’s channels and still need help, you can file a complaint with the Consumer Financial Protection Bureau for additional review.
Taking these steps ensures your issue is formally recorded and gives you more avenues for resolution.
Capital One Customer Service for International Customers
International customers can reach Capital One using these numbers:
| Department | Customer Service Number |
|---|---|
| Military Customer Service | 1-855-227-1645 |
| Canadian Customer Service | 1-800-481-3239 |
| Canadian Customer Service From Outside Canada or the U.S. | 1-804-934-2010 |
| United Kingdom Customer Service | 03444 812 812 |
| United Kingdom Customer Service From Outside the U.K. | +44 115 993 8002 |
| United Kingdom Online Account Support | 03444 814 000 |
If you’re a U.S. customer but currently outside the U.S., you can call 1-804-967-1000 to report a lost or stolen debit card or 1-804-934-2001 to report a lost or stolen credit card.
FAQs About Capital One Customer Service
These are the answers to some common questions about Capital One customer service.- What is the fastest way to contact Capital One customer service?
- The fastest way to contact Capital One customer service is by calling first thing in the morning, when it opens at 8 a.m. EST. You can use the general customer service number, 1-877-383-4802, or a department-specific number.
- You can also visit a bank branch in person.
- How can I speak to a live representative at Capital One?
- To speak to a live representative at Capital One, call 1-800-655-2265. You’ll need to navigate through the phone tree. This may take some time, but stay calm. Hanging up and calling back will almost always return you to the first step.
- Saying "agent" or "representative" or pressing "0" on your phone's keypad can help you bypass some steps. It doesn't always work, but it's always worth a try.
- Are there fees for using Capital One customer support services?
- Capital One does not charge any fees for using its customer support services.
- You may be charged fees by your phone service provider, however, so make sure you understand the terms of your phone plan.
More About Capital One
- Capital One Bank Review
- Capital One Checking Accounts
- Capital One Savings Account Interest Rates
- How To Open a Capital One Account
- Capital One Hours
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
