Creditor, lender or debt-collection entity

Capital One

Independent information about Capital One credit-card arrears, missed payments, payment plans, default risk and complaints.

Capital One says customers worried about missing a payment should contact it early. If a payment is missed, interest and fees may be added and the missed payment may be reported to credit-reference agencies. Depending on circumstances, Capital One may be able to offer a payment plan that spreads arrears over several months and temporarily stops interest and fees.

What role does Capital One have?

Original creditor

The company contacting you is not necessarily the company that legally owns the debt. Check the original creditor, current owner and the role stated on your latest correspondence.

Legal identity and regulatory position

Capital One (Europe) plc is registered in England and Wales under company number 03879023 and is FCA-authorised and regulated under reference 204440.

Capital One (Europe) plc is FCA-authorised and regulated under firm reference number 204440.

Contacting Capital One

Use the Capital One app, online account or current money-worries support routes. If you are already behind, the app may offer a payment-plan route, while customers anticipating difficulty can contact Capital One before the payment is missed.

If you want to complain

Capital One publishes a formal complaints process and says it aims to provide a final response within eight weeks for ordinary complaints.

What to check before paying or agreeing a plan

  • Confirm the account reference and original creditor match your records.
  • Check whether the company says it owns the debt or is collecting for another organisation.
  • If you do not recognise the debt, ask for clarification before making a payment or admitting liability.
  • Keep copies of letters, emails, payment offers and complaint correspondence.
  • Do not agree to a repayment amount that is not affordable alongside priority household bills.

Related guidance

Important: YourFinances.co.uk is not affiliated with Capital One. This page provides general information and does not confirm that any debt is valid, enforceable or owed by a particular person.