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- Capital One Financial
About Capital One
Capital One Financial Corporation is one of the most innovative and disruptive financial institutions in the United States — a technology-driven bank that pioneered data analytics and mass customization in consumer lending and has grown into one of the nation’s largest banks by assets. Founded in 1994 by Richard D. Fairbank and Nigel Morris in Richmond, Virginia as a spinoff of Signet Bank’s credit card division, Capital One transformed American consumer finance by using statistical modeling and information-based credit decisioning to offer personalized credit card rates to millions of Americans who had previously been underserved. The company is publicly traded on the New York Stock Exchange under the ticker symbol COF and is headquartered at 1680 Capital One Drive in McLean, Virginia — the company’s 31-story, 780,000 square-foot Capital One Tower campus, which opened in 2018 as the tallest office building in the Washington, D.C. metro area. Capital One is led by Founder, Chairman, and CEO Richard D. Fairbank, the only founder-CEO of a top-10 U.S. bank. In May 2025, Capital One completed its landmark $35 billion acquisition of Discover Financial Services — the largest acquisition in U.S. banking history at the time — transforming Capital One into a vertically integrated global payments network owner operating one of only two independent card payment networks in the United States alongside American Express. Capital One now employs approximately 55,000 associates globally and operates with approximately $630 billion in total assets following the Discover integration.
Quick Information
Industry
Banking, Credit Cards & Financial Services
Founded
1994, Richmond, Virginia
Number of Employees
Approximately 55,000 associates globally
Corporate Office Hours
Customer service available Monday to Saturday, 8:00 AM – 10:00 PM ET. Corporate office hours are Monday through Friday, 9:00 AM to 5:00 PM ET.
support@capitalone.com
Website
www.capitalone.com
Contact Page
www.capitalone.com/help-center/contact-us/
Investor Relations
ir.capitalone.com
Careers Page
www.capitalonecareers.com
Products & Services
Capital One offers a comprehensive suite of banking, credit card, lending, and commercial financial services for consumers, small businesses, and large enterprises — now including the full Discover product portfolio following the May 2025 acquisition. Their full range of products and services includes:
- Capital One Credit Cards — Venture X, Venture, VentureOne, Savor, SavorOne, Quicksilver, QuicksilverOne, Platinum Secured, and business credit cards
- Discover Credit Cards (now “Discover, by Capital One”) — the former Discover card lineup including the Discover it Cash Back, Discover it Miles, and Discover it Secured cards, now operating under Capital One
- Discover Network — Capital One now owns and operates the Discover payment network, one of only two bank-owned card networks in the U.S., enabling Capital One to capture both the issuing and network fee on transactions
- Capital One 360 Checking — fee-free digital checking account with no minimums and access to 70,000+ fee-free ATMs
- Capital One 360 Performance Savings — high-yield online savings account with a competitive APY and no fees or minimums
- Capital One CDs — fixed-rate Certificates of Deposit with competitive rates and flexible terms
- Auto Financing — Capital One Auto Finance for new and used vehicle purchases and refinancing through the Pre-Approval and Auto Navigator tools
- Home Mortgage & Home Equity Loans — mortgage, refinance, and home equity lending products
- Small Business Banking — business checking, business savings, and business credit card products for small businesses
- Commercial Banking — corporate and commercial lending, treasury management, and middle market financial solutions
- Capital One Shopping — a free browser extension and app providing automated coupon codes and cash back at thousands of online retailers
- Capital One Travel Portal — a full-service travel booking platform for Venture and Savor cardholders offering rewards-maximizing flight, hotel, and car rental booking
- Capital One Lounges — Capital One’s own premium airport lounge network at select major U.S. airports
Corporate Phone Numbers
General Customer Service
1-877-383-4802 — main Capital One general customer service line routing to the correct department. Available Monday through Saturday, 8:00 AM to 10:00 PM ET.
General Complaints & Feedback Line
1-844-348-8660 — dedicated customer complaints and feedback line for all Capital One products, including “Discover, by Capital One” card accounts. Available Monday through Saturday, 8:00 AM to 10:00 PM ET.
Personal Banking Customer Service
1-800-655-2265 — dedicated Capital One 360 checking and savings account support line. Available 24/7 via automated system; live agents Monday through Saturday 8:00 AM to 10:00 PM ET.
Credit Card Customer Service
1-800-227-4825 — dedicated credit card customer service and disputes line. Available 24/7.
Discover Customer Support
1-800-DISCOVER (1-800-347-2683) — dedicated support line for all Discover, by Capital One card account holders. Available 24/7.
Auto Loan Customer Service
1-800-946-0332 — dedicated Capital One Auto Finance customer service line.
Business Banking Customer Service
1-888-755-2172 — dedicated small and medium business banking customer service line. Available Monday through Saturday 8:00 AM to 10:00 PM ET.
Small Business Credit Card Support
1-800-867-0904 — dedicated small business credit card customer service line.
International Credit Card Service
1-804-934-2001 — collect call line for Capital One credit card customers calling from outside the United States.
24/7 Interactive Phone Service
1-888-464-7868 — automated 24/7 interactive phone line for account access, balance inquiries, and payment information.
Corporate Headquarters Number
1-877-383-4802 — primary number also used for corporate-level inquiries. The direct corporate campus line is (703) 720-1000, available Monday through Friday during regular business hours.
How to Reach a Real Person at Capital One
The fastest way to speak with a live Capital One associate is to call 1-877-383-4802 for general inquiries or 1-844-348-8660 specifically for complaints and unresolved concerns. Both lines are available Monday through Saturday from 8:00 AM to 10:00 PM ET. When the automated system connects, you will be asked to provide your Social Security Number or the last four digits of your account number for verification. After verification, listen to the menu options and press the number matching your need. To reach a live associate directly, say “representative” clearly or press 0 to be routed. For the shortest wait times, calling on weekday mornings before 9:30 AM ET or on Saturday mornings is recommended.
You can also reach a live Capital One associate through the secure online banking portal at capitalone.com — log in and use the Message Center to send a secure message. Capital One also responds reliably through its @AskCapitalOne account on X (Twitter) for publicly escalating unresolved service concerns. For fraud and lost/stolen card emergencies, call 1-800-227-4825 (credit cards) or 1-800-655-2265 (bank accounts) immediately, as these lines are available 24 hours a day, 7 days a week.
Capital One Headquarters & Corporate Office Address
Capital One Financial Corporation operates its world headquarters at 1680 Capital One Drive in McLean, Virginia — a landmark address within the Tysons urban area of Fairfax County, approximately 30 minutes from Washington, D.C. and directly accessible from the Metro Silver Line. The Capital One Tower — a 31-story, 780,000 square-foot mixed-use glass and steel skyscraper designed by architect HKS — opened in 2018 and was built to consolidate more than 1,800 district-area associates under one roof and serve as the centerpiece of Capital One’s long-term McLean campus vision. The tower is the tallest office building in the Washington, D.C. metropolitan area, is LEED Gold Certified for environmental sustainability, and features 152,600 square feet of training, conference, and dining space alongside a 20,000 square-foot retail podium. Capital One’s broader McLean campus includes three adjacent headquarters buildings: C1 at 1600 Capital One Drive, C2 at 1680 Capital One Drive, and C3 at 1675 Capital One Drive.
Capital One Financial Corporation — World Headquarters
1680 Capital One Drive (Capital One Tower — C2)
McLean, Virginia 22102
United States
Capital One — C1 McLean Headquarters
1600 Capital One Drive
McLean, Virginia 22102
United States
Capital One — C3 McLean Headquarters
1675 Capital One Drive
McLean, Virginia 22102
United States
Capital One — Richmond, Virginia (West Creek Campus)
11011 West Broad Street
Glen Allen, Virginia 23060
United States
Capital One — New York Office
114 Fifth Avenue
New York, New York 10011
United States
Capital One — Plano, Texas Office
7933 Preston Road
Plano, Texas 75024
United States
Capital One — Wilmington, Delaware Office
1600 Capital One Drive
Wilmington, Delaware 19801
United States
Capital One — European Headquarters
Trent House, Station Street
Nottingham, NG2 3HX
United Kingdom
For all formal written correspondence, legal documents, and escalated customer complaints, write to Capital One Financial Corporation, Attn: General Correspondence, P.O. Box 30285, Salt Lake City, Utah 84130. For credit card disputes, write to Capital One, Attn: Disputes, P.O. Box 30279, Salt Lake City, Utah 84130.
How to File a Complaint Against Capital One
Step 1 — Call the Complaints & Feedback Line
Call Capital One’s dedicated complaints and feedback line at 1-844-348-8660. This line handles all Capital One products including credit cards, bank accounts, auto loans, and “Discover, by Capital One” card accounts. Clearly explain your complaint, provide your account number, and ask the representative to formally log your concern and provide a case reference number. Most billing errors, transaction disputes, fee reversals, and account issues can be initiated at this stage.
Step 2 — Submit a Complaint Through Online Banking
Log in to your Capital One account at capitalone.com and navigate to the Message Center to submit a formal written complaint with a full account audit trail. This creates a documented written record of your complaint within Capital One’s system and typically generates a response within 1 to 3 business days.
Step 3 — Request Escalation to a Supervisor
If the first representative cannot resolve your complaint, ask immediately to be transferred to a supervisor or the Account Resolution team. Supervisors have greater authority to issue credits, waive fees, initiate formal investigations, and override standard processing decisions. Document all supervisor names, dates, and commitments made.
Step 4 — Submit a Formal Written Complaint
Email support@capitalone.com or write to Capital One Financial Corporation, Attn: General Correspondence, P.O. Box 30285, Salt Lake City, Utah 84130. Include your full name, account number, a detailed description of the issue, all previous contacts made, copies of supporting documents, and the specific resolution you are requesting.
Step 5 — File a Complaint With the OCC
Capital One, N.A. is regulated by the Office of the Comptroller of the Currency. File a complaint at helpwithmybank.gov or call 1-800-613-6743. The OCC will forward your complaint to Capital One and require a formal response and investigation within a set timeframe.
Step 6 — File a Complaint With the CFPB
File a formal complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or call 1-855-411-2372. The CFPB requires Capital One to respond within 15 calendar days and publishes all complaint data publicly — creating a permanent federal record of your unresolved concern.
Step 7 — File a Complaint With the FTC
File a complaint with the Federal Trade Commission at ftc.gov or by calling 1-877-FTC-HELP (1-877-382-4357). The FTC reviews consumer protection complaints in the financial services sector, particularly those involving deceptive billing practices, unauthorized charges, and credit reporting errors.
Step 8 — File a BBB Complaint
File a public complaint with the Better Business Bureau at www.bbb.org. Capital One holds an A+ rating with the BBB and a public complaint filing typically prompts a faster escalated corporate response within 14 days.
