At Capital One, we're committed to keeping your personal information secure and confidential.
Protecting yourself against Identity Theft
Capital One Identity Theft Service
Capital One Identity Alert
Active Fraud Protection
Online Fraud Protection
Protect yourself from fraud when shopping online
Hoax e-mails
Protecting yourself against Identity Theft
Identity theft involves someone using your personal information without your knowledge, to obtain goods and
services in your name. It is one of the fastest growing crimes in the UK* and anyone is at risk, whether or not
they have a credit card.
Prevention Tips
Here are just a few simple steps you can take immediately to help protect yourself:
- Shred or destroy unwanted personal documentation
- Never disclose your personal details unless you are confident you know who you're speaking to
- Make a note of when mail is due, in particular regular statements or bills. That way you will be aware if they are late or
missing. If you are concerned contact the organisation that sends you the mail or
alternatively speak to Royal Mail
- When moving house, subscribe to the Royal Mail redirection service for at least a year
- Inform all your banks, building societies, credit card providers, etc. of your new address immediately
- Keep personal documents secure at home, carry the minimum with you and never leave them in
your car
- Check your credit card and bank statements regularly and report unauthorised transactions immediately
* Source: CIFAS website - Identity Fraud cases are up from 20,000 in 1999 to 101,000 in 2003
Capital One Identity Theft Service
If you do become a victim then we will help to restore your identity with minimum fuss. With this service you get:
- Help and guidance on how to prevent Identity Theft
- Your own named advisor to help with your case from start to finish
Call our confidential helpline on 0845 121 5063*. Lines are open 24 hours a day 7 days a week.
Capital One Identity Alert
We've teamed up with Equifax, one of the UK's leading credit reference agencies, so that you can get even more protection
against Identity Theft. This service is FREE for Capital One customers, and is designed to protect:.
- Your identity
- Your credit report
- Your financial reputation
With busy lives, we don't always have the time to check our credit report, but it's one of the best ways of combating Identity
Theft. With this service you'll be alerted if someone applies for credit using your name or if any key changes are made to
your Equifax credit report without your permission. This provides you with an early warning system to help protect your identity.
To find out more, log on to: www.equifax.co.uk/capitalone
Capital One Identity Alert is powered by Equifax
Active Fraud Protection
Active Fraud Protection gives you real peace of mind. We'll look out for any unusual activity on your account. If we
think it's fraud, we'll contact you, and you won't be liable for ANY use of your card that takes place without your
knowledge. All we ask is that you're not grossly negligent.
Online Fraud Protection
Capital One offers a 100% internet fraud guarantee. This protects you against any fraudulent internet use of your
account number if the number is used without your knowledge. Remember, if you think that your card has been
stolen or your details are being used fraudulently, call us immediately on freephone 0800 952 5267, lines are open
24 hours a day 7 days a week. From outside the UK, call us on +44 115 993 8002. For general account enquiries
contact 08458 400 400**.
Protect yourself from fraud when shopping online
Capital One are about to partner with MasterCard® and Visa® to bring you 'MasterCard SecureCode™
' and 'Verified by Visa'. The purpose of these programmes is to reduce fraudulent purchases and provide you with added security by verifying purchaser
identity during online transactions.
Hoax e-mails
A few of our customers have reported receiving hoax e-mails claiming to be from Capital One, MasterCard or VISA.
These e-mails typically contain a link to a hoax web site and attempt to trick customers into supplying confidential
personal information such as account numbers, PIN numbers and passwords.
Some of the e-mails claim that your account will be closed unless you confirm confidential personal information or
update security details. These are not genuine e-mails from Capital One, MasterCard or VISA.
Capital One, MasterCard or VISA will never send e-mails to customers requesting confidential information
e.g. card number, PIN number, card expiry date, mother's maiden name, Internet account User ID & password.
To ensure a secure connection to our web site, always enter www.capitalone.co.uk into your browser.
If you think you've received a hoax email, please forward it to abuse@capitalone.com
If you are concerned that you may have divulged your confidential personal information or if your Capital One security
details have been compromised, please call us immediately on freephone 0800 952 5267, lines are open 24 hours
a day 7 days a week. From outside the UK, call us on +44 115 993 8002. For general account enquiries contact
08458 400 400**.
**Please note, calls to 0845 numbers will be charged at a local rate. The cost will vary depending on your service provider.
Calls may be recorded/monitored for training purposes.