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Frequently Asked Questions

Fraud Protection

  • What should I do if I see a transaction that I don’t recognize?

    There are a couple of things to think about if you don’t recognize a transaction on your account. First of all, purchases don’t always appear in your list of transactions under the names you’d expect. For example, a merchant’s name may be listed under their parent company or registered as an abbreviation of their full name. Secondly, purchase locations listed on your statement may not reflect the city or town where your purchase was made. This doesn’t necessarily mean the transaction is incorrect, rather some merchants may be registered under a different location.

    If, however, you believe these transactions were not made by you, you should contact us right away.

  • How do I file a dispute with a merchant?

    If you experience something like a double charge or an incorrect transaction amount appears on your credit card, your first course of action should be to contact the merchant directly.

    If you can’t resolve the dispute with the merchant, please contact us. We’ll do our best to help in any way we can.

  • What is credit card fraud?

    Credit card fraud occurs when your credit card information or identity have been used without your permission or knowledge. It’s most often anonymous and frequently occurs online. Fraud can exist in the form of online, email, telemarketing, door-to-door and text message scams and varies in its impact. Fraudsters are criminals who use a variety of phishing methods and scams to try to steal peoples’ identities and money.

    Examples of fraudulent activity include the following:

    • Fraudulent charge(s) – one or more transactions made to your account without your authorization
    • Theft of a credit card number and/or PIN which can lead to a number of fraudulent charges
    • Identity theft where fraudsters use personal information and pose as the victim to gain control of their accounts or set up new credit accounts in their name
  • How does Capital One® protect me from fraud?

    We monitor your account 24 hours a day, 7 days a week, and we do everything we can to keep your credit card safe from fraud.

    We’ve got your back and if you’re a victim of fraud, we’ll work hard to help make it right. We provide Zero Liability protection which means that if your credit card is used without your authorization, you won’t be liable for those charges, provided certain conditions are met. See the Mastercard Zero Liability terms for more details.

    Here’s what we offer to help you keep your account safe:

    • Security Alerts – we offer a suite of tools including two-way fraud alerts that help you stay on top of what’s happening with your account.
    • Credit Keeper – you can keep an eye on your TransUnion® credit score for free with Credit Keeper – any significant, unexpected changes to your score could indicate fraudulent activity.

  • How can I protect myself from fraud?

    There are plenty of ways you can protect yourself from becoming a victim of fraud. See below for details.

    Keep your personal information private.

    • Never share your PIN number with anyone. No one from Capital One will ever ask for it and you’ll never need to provide it over the phone or online.
    • Keep your credit card number private – don’t read it out loud in a public place and don’t lend your card to anyone.
    • Create a strong password that’s difficult to guess and don’t use it for other accounts.
    • Avoid sharing identifying personal information on social media, including your date of birth, address and phone number.
    • Keep an eye on your mailbox and empty it frequently. If you go on vacation, have a friend collect your mail or request that it be held at the post office.
    • Before discarding sensitive mail such as your bank or credit card statements, shred them first. Better yet, sign up for paperless statements for your Capital One account – your statements will be delivered securely to your online banking account each month.

    Review your credit report every year.

    If a fraudster were to steal your identity to open a credit account without your knowledge, it should appear on your credit report. Refer to the Credit Report FAQs for information about requesting a credit report from the major credit reporting agencies.

    Beware of phishing scams including phone calls, text messages and emails.

    If you’re not sure how to detect a phishing scam, it’s important to remember that a legitimate organization will always reach out to you from a credible email address. In addition, they would never:

    • Ask you for your PIN number
    • Require you to provide your Social Insurance Number when it’s not absolutely necessary
    • Make grammatical errors in written communications to you
    • Use fear tactics to get money or gifts from you

    Sign up for Capital One online banking.

    You can set up customized account alerts that notify you when:

    • Transactions are made outside of Canada
    • Transactions are made over a limit you’ve determined
    • Your available credit dips below a limit you’ve determined

    Certain tools or features may not be available for Capital One retail partnership accounts.

  • Can I proactively check to see if I may be a victim of fraud or identity theft?
  • What should I do if I suspect I’m a victim of fraud?

    If you see any suspicious activity on your account, please contact us right away so we can:

    • Work with you to identify any transactions you didn’t make
    • Cancel your existing card and issue you a new one
    • Guide you through the next steps

    And don’t worry – we offer Zero Liability which means you won’t be held responsible for unauthorized use of your card. See the Mastercard Zero Liability terms for more details.