--- company: capital-one title: Capital One — how complaints actually go last_verified: 2026-10-12 --- ## In short Dispute card charges online or in the app, send evidence by the date Capital One asks for, and use the feedback and complaints line (1-844-348-8660) when service goes wrong. In the 12 months to June 2026 Capital One had more CFPB complaints than any other bank in the database, mostly about credit cards and credit reporting, and closed 82.6% of them with an explanation only. If you had a 360 Savings account, check the class settlement over its interest rate. Capital One bought Discover in 2025, and its complaints line also covers "Discover, by Capital One" card accounts. Hang up on calls that claim to be Capital One and call the number on your card. ## How complaints actually go - Capital One's feedback page sends complaints to 1-844-348-8660, which also covers "Discover, by Capital One" card accounts; Discover customers use 1-800-DISCOVER (1-800-347-2683). The page gives no mailing address, response time or escalation step. [Capital One: feedback](https://www.capitalone.com/help-center/contact-us/feedback/) - A CFPB complaint goes to Capital One for a response, generally within 15 days; a response after 15 days (or after 60 days if it asks for more time) is recorded as not timely. In the 12 months to June 2026, 2 of 32,852 Capital One complaints were not timely. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=CAPITAL%20ONE%20FINANCIAL%20CORPORATION&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0) - Capital One, N.A. is supervised by the OCC. The OCC asks you to try the bank first; it cannot act as your lawyer, get involved in matters that are in litigation, or seek monetary compensation for you. [OCC HelpWithMyBank: file a complaint](https://www.helpwithmybank.gov/file-a-complaint/index-file-a-complaint.html) ## What tends to work - A CFPB complaint after Capital One's own channel fails: in the 12 months to June 2026, 5,711 of 32,852 complaints (17.4%) closed with monetary or non-monetary relief. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=CAPITAL%20ONE%20FINANCIAL%20CORPORATION&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0) - 360 Savings customers: a revised class settlement got preliminary court approval on January 12, 2026. It provides $425 million in restitution and requires Capital One to match the 360 Savings and 360 Performance Savings rates, which the New York Attorney General estimates is worth about $530 million in future interest. Check the settlement status before you rely on a payment date. [NY Attorney General, January 12, 2026](https://ag.ny.gov/press-release/2026/attorney-general-james-applauds-new-capital-one-settlement) - State attorneys general carried the 360 Savings case after the CFPB dropped it: the CFPB sued on January 14, 2025 and voluntarily dismissed the case with prejudice on February 27, 2025, and the New York Attorney General sued in May 2025. A state attorney general complaint is a real escalation route. [CFPB enforcement action](https://www.consumerfinance.gov/enforcement/actions/capital-one-national-association-and-capital-one-financial-corporation/) [NY Attorney General, January 12, 2026](https://ag.ny.gov/press-release/2026/attorney-general-james-applauds-new-capital-one-settlement) ## Traps and fine print - Temporary credit on a card dispute is not final. If Capital One decides the charge was not a billing error, you owe the amount and the interest and fees that built up during the dispute; you get at least 10 days to pay before it can report it as late. [CFPB: Regulation Z 1026.13](https://www.consumerfinance.gov/rules-policy/regulations/1026/13/) - Capital One is one of four banks (with Synchrony, Citibank and Bread Financial) that issue more than 80% of store credit cards. In December 2024, new store cards from the top 100 retailers had an average APR of 32.66%. [CFPB: the high cost of retail credit cards](https://www.consumerfinance.gov/data-research/research-reports/issue-spotlight-the-high-cost-of-retail-credit-cards/) - Capital One is one of the banks that own Zelle's operator, Early Warning Services. The New York Attorney General's 2025 lawsuit alleges Zelle users lost over $1 billion to scams from 2017 to 2023. [NY Attorney General, August 13, 2025](https://ag.ny.gov/press-release/2025/attorney-general-james-sues-company-behind-zelle-enabling-widespread-fraud) ## By the numbers - CFPB complaints received July 1, 2025 to June 30, 2026 for "CAPITAL ONE FINANCIAL CORPORATION": 32,852. Top products: credit card 12,006, credit reporting 11,137, debt collection 4,056, checking or savings 3,903, vehicle loan or lease 1,227. Top issues: incorrect information on a report 7,134, a purchase shown on a statement 3,462, improper use of a report 2,814, the company's investigation into an existing problem 2,526, managing an account 2,400. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=CAPITAL%20ONE%20FINANCIAL%20CORPORATION&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0) - Of those 32,852 complaints, 27,140 (82.6%) closed with explanation, 4,061 (12.4%) with non-monetary relief and 1,650 (5.0%) with monetary relief; 1 was in progress. 32,850 were marked timely. Data retrieved 2026-10-12. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=CAPITAL%20ONE%20FINANCIAL%20CORPORATION&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0) - Complaint data is not a statistical sample. The CFPB says companies sometimes select "Closed with explanation" even when the consumer got relief, and complaints returned as administrative responses are not published. [CFPB 2025 Consumer Response Annual Report](https://files.consumerfinance.gov/f/documents/cfpb_2025-cr-annual-report_2026-03.pdf) - J.D. Power 2025 U.S. Credit Card Satisfaction Study: Capital One ranked third among the largest issuers, after American Express and Bank of America. [Bankrate, August 25, 2025](https://www.bankrate.com/credit-cards/news/american-express-continues-to-lead-in-credit-card-satisfaction/) ## Scams that target customers - Fraudsters spoof phone numbers so a call appears to come from Capital One. Capital One says: "When in doubt, hang up the phone and call us at the number listed on the back of your debit or credit card." [Capital One: scam education](https://www.capitalone.com/digital/scam-education/) - Check that texts and emails come from Capital One's usual email domain and short code, and do not pay anyone by wire transfer, prepaid card or gift card. [Capital One: scam education](https://www.capitalone.com/digital/scam-education/) - Report a scam by calling 1-800-227-4825 (collect from outside the U.S. at 1-804-934-2001) or through Capital One's suspicious activity form, and also to the FTC at ReportFraud.ftc.gov. [Capital One: scam education](https://www.capitalone.com/digital/scam-education/)