The Official Capital One Website (capitalone.com): Always ensure the URL has a padlock icon indicating a secure connection.
The Capital One Mobile App: The official app from your device's app store provides secure access to contact information.
The Back of Your Capital One Credit or Debit Card: This is often the quickest and most reliable source for product-specific numbers.
Official Capital One Statements or Correspondence: Check dataset recent paper or digital statements for customer service numbers.
What a Legitimate Capital One Agent WILL Ask For (for verification):
When you call a genuine "Capital One phone number," agents will need to verify your identity to protect your account. They may ask for:
The last four digits of your Social Security Number (SSN).
Your date of birth.
Answers to security questions you've set up for your account.
Partial account numbers (e.g., the last four digits of your credit card or bank account).
What a Legitimate Capital One Agent WILL NOT Ask For (Especially if they call you):
This is where you can often spot a scammer. A legitimate Capital One agent will never ask you for:
Your full Social Security Number (SSN) if they initiated the call to you.
Your full credit card number, including the CVV/security code on the back, or your PIN.
Your online banking username or password.
Remote access to your computer or mobile device.
To purchase gift cards, send money via wire transfer, or use cryptocurrency to resolve an issue or avoid legal action.
Your one-time passcodes (OTPs) from two-factor authentication, unless you are actively logging into your account and they are guiding you through a specific, initiated process.
If You Suspect a Scam: