Welcome to the Capital One Take Charge website.

We are here to help you understand your outstanding account balance and help you resolve it. We believe that everyone wants to pay their bill but, for a number of reasons, may be unable to do so. We are happy to assist you with resolving your balance and want your experience with us to be a pleasant one.

Let us help you today! Email us at service@takechargemail.capitalone.com or call us at 866-928-6128 (Monday - Friday, 10am - 7pm ET)

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For New York City residents:
For our records, New York City law requires us to request your language preference. Please contact us at 1-866-928-6128 to advise us about your language preference. Please note that, as permitted by New York City law, we may not service your account in your preferred language. The following language access services may be available upon request: (1) Spanish translations of written communications; and (2) Spanish-speaking representatives. A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer Affairs’ website, www.nyc.gov/dca.

IRS Reporting of Debt Forgiveness. If we cancel or forgive a portion of principal on a debt you owe, we will provide you a 1099-C tax form if required by law. Please consult your tax advisor and the instructions accompanying any tax forms for more information.

This site provides information about and access to financial services offered by the Capital One family of companies, including Capital One, N.A., members FDIC. See your account agreement for information about the Capital One company servicing your individual accounts. Capital One does not provide, endorse, nor guarantee and is not liable for third party products, services, educational tools, or other information available through this site. Read additional important disclosures. © 2026 Capital One. Capital One is a federally registered trademark. All rights reserved.