My next call was to American Express as some of their cards feature no limits and my exposure could be large if someone had nefarious purposes with my lost card. The call lasted just over nine minutes, three cards were replaced and shipped to me at a traveling address I’d arrive to in a few days. I first called Chase as I had a couple of cards from them with me, including a debit card which offers fewer protections. I repeated the effort, uploading my driver’s license through the secured link using the proper image type. I argued for a moment about the seniority of documents, explained that a passport was federally issued and was an acceptable choice but alas it was of no use. I had a computer handy and followed the instructions assuming the card was on its way… somewhere.Ī week later I received a garbled call while I was at Universal Studios instructing me that my federally-issued passport was not a state-issued ID and that I would have to submit my state driver’s license. I complied, though that took some effort because Apple converted all of their photo file types to HEIC and Capital One doesn’t accept them. That was a fair enough request given the sensitivity of the information. You’ve got to hand it to Capital One for applying that personalized customer service, “KYLE null.” First, I lightly pressed “0” and when that didn’t work, I pressed it more than 16 times because the system needs to hear 16 numbers apparently, even if they are all zero.Īfter a 14-minute call in which the representative not only wouldn’t send the card to my travel address (I am traveling, this is not uncommon for cards that are marketed to travelers), they wouldn’t send it anywhere until I submitted my Federal or State ID through a secure link to an email on my account. Of course, their system wouldn’t let me report my card lost or stolen or even get me to a human being without first submitting my card number – which I didn’t have. ![]() If you are outside the U.S., you may call collect at: 1-80” – Capital One “You may report your card lost or stolen by phone by contacting Capital One directly at: 1-80 On my second attempt I found this on another page but had to search replacement as “lost” and “stolen” come up with the above tips. In case you were curious, I ticked the box “no” that wasn’t helpful at the bottom of the post. Of the *helpful* tips it offers: 1) Retrace Your Steps, 2) Report The Loss or Theft Right Away (without the phone numbers to do so), 3) Keep An Eye For Statements, and 4) Update Your Autopayments. I encourage any credit card owner to put themselves in the shoes of someone who has misplaced, lost, or been robbed of their cards and then click on this Capital One link for lost cards. I just hadn’t needed to at this point so I never did. Yes, I could have done it in the app, but I didn’t have the app installed at the moment. The call center number listed online was hard to find even on the bank’s website to report lost cards. When I went to call Capital One customer service, I sat on hold. We had used contactless payment at nearly every purchase. But with the advent of contactless payments anyone could charge virtually anything to the card unchecked. While signatures were never a truly secure method in my eyes, chip and pin meant that losing a card would be harmless and the rush to replace lost credit cards would be an unnecessary effort. The biggest concern with losing my cards, and why it felt like a race to stop fraud, was because of the widespread use of contactless payments. The three banks I was carrying cards from at that moment were American Express, Chase, and Capital One. Regardless, I lost my wallet for the first time I can remember as an adult and though I found it shortly thereafter, I called to cancel my cards in the interim which was likely the safest bet. I walk with very few cards, especially in areas like the Eiffel Tower where pickpockets are known to be present and I may be distracted. I recovered it a few hours later, but it was left in an Uber and once I was sure it wasn’t on my person I called my cards in as lost. While in Paris, I temporarily lost my wallet. If you haven’t followed us on Facebook or Instagram, add us today. If you are considering booking travel or signing up for a new credit card please click here. Both support. I temporarily misplaced my Capital One card and called for a replacement. Opinions expressed here are the author's alone. ![]() The content on this page is not provided by any companies mentioned, and has not been reviewed, approved or otherwise endorsed by these entities. For our complete advertising policy, click here. We value your time and money and will not waste it. My dear readers, some links on this site pay us referral fees for sending business and sales.
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