You Suspect Fraudulent Account Activity
Your Card Was Lost or Stolen
You Become a Victim of Identity Theft

You Suspect Fraudulent Account Activity or Your Card Was Lost or Stolen

Here are a few steps you need to take. If the fraudulent activity is on your Capital One card, please be assured that we are committed to working with you to resolve this matter. Please follow up with your creditors to find out additional steps that you need to take.

1. Contact the Card Issuer
   Immediately contact the card issuer to report the lost/stolen account information.
   
    
2. Keep a Record
   Maintain a written record of what happened, what was lost, and the steps you took to report the incident(s). Be sure to include dates, telephone numbers, people you talked to, and any other relevant instructions.

Back to top

You Become a Victim of Identity Theft

Depending on how your personal information was fraudulently used, the exact steps you will take vary from situation to situation; however, the following three steps are applicable to any case. Please visit these helpful resources for more comprehensive information.

These tips will help you secure your card from unauthorized use.

1. Creditors or Lending Institutions
   Immediately contact any card issuers or banks and alert them that an account has been fraudulently opened in your name without your authorization.
    
2. Credit Bureaus
   Contact the three major credit bureaus to obtain your credit reports and to verify that no other accounts (or credit lines) have been opened fraudulently in your name. You may also place a fraud alert on your name and Social Security number. This alerts creditors and banks that your information was stolen and instructs them to contact you by phone to authorize any new credit.
   
    
3. Police Report
   File a report with your local police or with the police department in the community where the fraud took place. Get a copy of the report for your records, and in case your banks, creditors, or others request proof of the crime.