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Card Security

What if my Card is lost or stolen?

Call 1-888-464-0727 as soon as you realize it’s lost or stolen. We'll put an immediate restriction on the Card so it can’t be used, and we will send you a new Card. If you request it, we will also send you a new Card PIN. To report your Card lost or stolen from overseas, call 1-302-255-3473. If you think you’re a victim of Identity Theft, call us at 1-866-464-7761 and one of our Associates will assist you.

We’re available from 8 AM to 8 PM, 7 days a week. If you’re contacting us outside this timeframe, please follow these steps.

Keep in mind, if your 360 Checking MasterCard® is lost or stolen and someone uses it for an unauthorized shopping spree, you’ll be covered by our

You can also temporarily deactivate Opens a new window your Card online or by using the Capital One mobile app. 

What should I do if I think there’s fraudulent activity on my 360 Checking?

If you suspect fraudulent activity on your account, please call us at 1-888-464-0727 (1-302-255-3473 if overseas) to have a restriction put on your Card if that hasn’t been done already. 

We’re available from 8 AM to 8 PM, 7 days a week. If you’re contacting us outside this timeframe, please follow these steps.

You can also temporarily deactivate Opens a new window your Card online or by using the Capital One mobile app.

What if I need to report fraudulent activity or a lost or stolen Card when Capital One 360 is closed?

Follow these steps if you need to report fraudulent activity or a lost or stolen Card outside of our business hours (8 AM to 8 PM, 7 days a week):

  1. Call our Interactive Phone System at 1-888-464-7868
  2. Answer the security questions, which includes entering your Customer Number and PIN
  3. Press 5 to report fraudulent activity or a lost or stolen Card

You can also temporarily deactivate Opens a new window your Card online or by using the Capital One mobile app.

What should I do if I think I might be a victim of Identity Theft?

We’re here to help. Give us a call at 1-866-464-7761 and we will work with you to help protect your credit. If you decide that you would rather handle it on your own, we suggest that you contact the credit reporting agencies at: 

For more information regarding Identity Theft Tips, including ways to protect yourself, please visit Identity Theft Tips Opens a new window.

What if I notice unauthorized charges or ATM transactions that have posted to my 360 Checking?

First, click on the transaction within your account on our website to make sure you have all the information we have related to the charge or ATM transaction. If your account is a joint account, ask your joint account holder if he/she made the transaction. If you still don’t recognize the charge, contact the merchant and ask them for details. If you still don’t think you authorized it, you can dispute it right online.

To dispute the transaction:

  1. Sign in to capitalone360.com
  2. Click on your '360 Checking'
  3. Click on the transaction you'd like to dispute
  4. Click on the link at the bottom of the page to submit your request

You can expect an email from us within 48 business hours after submitting your dispute form.  To ensure we have your most up-to-date email address, click on the ‘My Info’ tab and verify your contact information.  To edit your email address, click ‘Change’ in the Email section.

If you recognize the purchase but the name or some of the merchant details are incorrect, you can report this info on the website.

To report incorrect merchant information:

1. Click on the transaction that has incorrect information
2. Click on the 'Info not right? Report it.' link
3. Select the information that is incorrect and leave any other comments you think may be helpful
4. If the name is incorrect, we’ll switch the transaction back to the original details so you won’t see the wrong merchant name

Note: Once you switch the name back to the original details, it can't be reverted back to the updated name.

How do I notify you of my travel plans?

If you're planning on traveling outside of the U.S. (or even just going far from home), please notify us of your travel plans. That way we'll know it's you and not someone else making purchases with your Card.

To tell us about your travel plans, just follow these steps:

  1. Sign in to capitalone360.com
  2. Click on your account (360 Checking or MONEY)
  3. Go to the 'Debit Card' tab
  4. Click on the 'notify us of your travel plans' link in the 'Travel Plans' section and follow the steps

How can I deactivate my Debit Card?

Can’t find your Card or know you won’t be using it for a while? You can deactivate your Debit Card online or by using the Capital One mobile app. Here’s what to do:

Capitalone360.com:

  1. Sign in to capitalone360.com.
  2. Click on the 360 Checking account your Card matches up with.
  3. Go to the ‘Debit Card’ tab, click on the link to “temporarily deactivate it” and follow the steps.

Capital One Mobile App:

  1. Sign in Capital One 360 on the mobile app.
  2. Click on the 360 Checking account your Card matches up with.
  3. Click the ‘Transactions’ drop-down menu, select ‘Debit Card’ and click the ‘Temporarily Deactivate’ button.

Here’s what to expect if you deactivate your Debit Card:

  • It will take effect immediately.
  • It won't work for any purchases or ATM transactions. But don't cut it up or throw it away — you can reactivate it anytime.
  • If you have a joint account holder, their Card won't be affected since they manage it separately.
Banking, Credit Card, Auto Finance, and Home Loan products and services are offered by the Capital One family of companies, including Capital One Bank (USA), N.A. and Capital One, N.A. NMLS ID 453156, Members FDIC.

Securities are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRAOpens a new window/SIPC Opens a new window . Advisory services are provided by Capital One Advisors, LLC, an SEC registered investment advisor. Insurance products are offered through Capital One Agency LLC. All are subsidiaries of Capital One Financial Corporation.

ShareBuilder and Capital One ShareBuilder are marketing names for Capital One Investing, LLC.  ShareBuilder 401k and ShareBuilder Advisors are the marketing names for Capital One Advisors, LLC.

Securities and services are: Not FDIC insured • Not bank guaranteed • May lose value • Not a deposit • Not Insured by any Federal Government Agency

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