How to dispute a charge at Capital One
Capital One gives cardholders 60 days from the statement date to file a dispute. Capital One typically resolves disputes within 14 business days of filing. A complete, well-documented letter gives the investigator everything they need to decide quickly.
Dispute windows
Debit card vs credit card protections
Debit card (Reg E)
Debit/DDA disputes: 60 days from statement
Credit card (Reg Z)
Credit: 60 days from statement
How to file at Capital One
- 01Online: capitalone.com/dispute-center
- 02Phone: 1-800-227-4825
- 03Chat: Mobile app
CFPB complaint data
The CFPB received 30,785 complaints about Capital One in the past 12 months. 17% were closed with monetary or non-monetary relief. The most common issues:
- Incorrect information on your report6,728
- Problem with a purchase shown on your statement3,080
- Improper use of your report2,827
Data from the Consumer Financial Protection Bureau complaint database. Updated daily.
Generate your Capital One dispute letter
Select your dispute type and we'll generate a personalized letter, pre-filled with Capital One-specific submission instructions and your deadline.
Select your dispute type: