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
Dispute window60 days from statement date
Chargeback window120 days from transaction date
Typical resolution14 business days
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
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:
Unauthorized chargeDuplicate chargeDidn't receive goods or serviceNot as described / defectiveFree trial I didn't authorizeRecurring charge after cancellation
Write my Capital One dispute letter →