Fraud ResponseDirectory
Back to directory
CO
Bank Official sources verified

Capital One fraud reporting routes

Banking/card fraud, scam, compromised account, suspicious activity.

Last checkedAug 5, 2026Official website
This independent directory is not affiliated with Capital One. Contacts below are sourced only from verified official pages.

Route matcher

Tell us what happened

We’ll surface the closest verified route. You remain in control of every call or submission.

No account credentials
Exact verified routeChecked 2026-08-05

Best match for your selections

Debit card fraud contact

888-464-0727

Official page says to call immediately if debit card transaction was not made by user/authorized user; online transaction has Report a Problem link.

Call official number
Source: Capital One - Banking Security Features & Fraud Protection

Before you report

Prepare the response, not just the phone call

Have this information readyFacts and identifiers the institution or agency may request7
  • Transaction date

    Collect the posted transaction date.

    Have ready for dispute
  • Transaction amount

    Collect amount and currency.

    Have ready for dispute
  • Originating company name

    Collect exactly as shown on transaction record.

    Required by BofA ACH form
  • Originating company ID

    Collect exactly as shown; may be sensitive, secure it.

    Required by BofA ACH form
  • ACH transaction details

    Collect amount, debit/credit direction, and posting date.

    Required by BofA ACH form
  • Unauthorized ACH reason

    Use official reason definitions; do not interpret legal entitlement.

    Required by BofA ACH form
  • Posted transaction status

    Ask user whether transaction is posted before routing to dispute.

    Required/recommended by Square
Preserve this evidence nowKeep original records before they are deleted, replaced, or changed7
  • Unauthorized ACH Return Form

    Save completed form, transmission proof, and source transaction records.

    Copy acceptable
  • ACH line-item data

    Preserve originating company name/ID, amount, debit/credit, posting date, unauthorized reason.

    Copy acceptable
  • Posted transaction record

    Verify payment is posted and not pending/voided before filing Square Debit Card dispute.

    Copy acceptable
  • PayPal payment details

    Preserve transaction details in Resolution Center workflow and FraudPrep ledger.

    Copy acceptable
  • Bank or Coinbase statement details

    Gather statement details and secure account before contacting support.

    Copy acceptable
  • Merchant communications

    Preserve the complete thread with dates, identities, and attachments.

    Keep original and export copy
  • Receipts

    Preserve the original receipt or a faithful copy showing merchant, date, amount, and item/service.

    Keep original where available
Other official reporting routesAgencies that may apply depending on the facts11
FBI IC3

Internet crime, cyber-enabled fraud, online scam, business email compromise, crypto-related fraud, or time-sensitive cyber incident.

Does not accept evidence attachments; user must preserve originals.
FTC ReportFraud

Fraud, scam, bad business practice, payment scam, or consumer fraud routing.

No guarantee of individual recovery; route and report preserve record.
CFPB

Consumer financial product/service complaint after contacting company when applicable.

Submit supporting documents; generally include everything because second complaint may not be possible.
USAGov Scam Wizard

User does not know which agency to report to.

External router; not evidence storage.
U.S. Postal Inspection Service

Mail fraud, mail theft, USPS smishing/phishing, identity theft via mail, mail-related scam.

For mail fraud form, mail copies and keep originals.
Local law enforcement / 911

Immediate danger or time-sensitive matter requiring immediate intervention.

Preserve report number and officer/contact details.
FDIC Consumer Response Center

Complaint or assistance involving an FDIC-supervised financial institution.

Submit copies when requested and retain originals.
Federal Reserve Consumer Help

Determine the correct bank regulator or complain about a Federal Reserve-supervised institution.

Retain documents for follow-up; do not place account numbers or SSNs in the free-text narrative.
NCUA Consumer Assistance Center

Complaint or assistance involving a federally insured credit union.

Preserve complaint confirmation, credit-union response, attachments, and proof of written escalation.
IdentityTheft.gov

Identity theft or misuse of personal information requiring an FTC Identity Theft Report and recovery plan.

Download or print the Identity Theft Report and recovery plan immediately; retain copies.
SEC Investor Complaint and Tips

Possible securities-law violation or problem with an investment account or financial professional.

Save the TCR submission number and printable complaint copy; retain all supporting records.
Official sources and verificationEvery public route links back to an independently checked official source2
Capital One - Banking Security Features & Fraud ProtectionDebit card fraud, compromised account, lost/stolen debit card · Verified in browserCapital One - Recognize and Report ScamsScam/compromise contact and external reporting · Verified in browser

Other verified routes for Capital One

Ready to organize it?Capital One · Any
Start packet