Capital One ID Protection Logo

Capital One ID Protection

Is This Your Business?
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44 User Reviews

7.9

Overall Score

LAST UPDATED: June 22nd, 2022

In 1988, Richard D. Fairbank founded Capital One in an effort to empower the public with access to information and technology. The company offers a variety of financial services, including banking options, credit cards, loans, and investment options. Recently, Capital One began to offer identity protection services as well.

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The Good

  • Credit Wise Program
  • Sure Swipe Tool
  • Education

Credit Wise Program

One service that Capital One offers its customers is the Credit Wise app, which allows customers to receive weekly credit score updates and see how certain financial decisions would affect their credit score.

Sure Swipe Tool

Through Capital One's mobile app, customers have the option to use the Sure Swipe tool, which allows customers to create a pattern instead of a traditional password, which could be more secure.

Education

Capital One offers several educational resources to help customers learn how to better prevent identity theft.

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The Bad

  • Limited Monitoring Services
  • Few Recovery Services

Limited Monitoring Services

Capital One offers credit monitoring, but the company does not provide social media monitoring, internet scanning, or bank account monitoring.

Few Recovery Services

Capital One does not assist with pre-existing conditions and does not offer recovery assistance for medical, criminal, or tax identity theft. 

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The Bottom Line

Capital One provides its customers with its Credit Wise program and its Sure Swipe tool, in addition to educational resources. However, the company's monitoring and recovery services are lacking. 

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Star Rating

4.7

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44 Reviews

Review Breakdown

5 grade

77%

4 grade

16%

3 grade

5%

2 grade

0%

1 grade

2%

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ms ray Detroit, MI

Great company helped alert me to fraudulent activity by sending alerts on transaction attempts that were not mine. Also verified my transactions and made sure the fraudulent activity didn’t go through.

1 month ago

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Shalon Johnson IA

Pretty great company. However, the information doesn't seem completely up to date. I think it updates quarterly instead of instantly. I use Capital One ID protection as an add on for my Capital One Platinum Card

3 months ago

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jeff molitor

Capital One is a solid provided of ID theft protection and services surrounding my credit activities. As a current Capital One customer it is refreshing to know this company provides several layers of protection and alerts to ensure i am informed while offering solutions to address of needed.

4 months ago

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Ryan Vett Phoenix, AZ

It was included with my capital one accounts for free, and offers very basic monitoring and protection of your TransUnion credit file. There are only credit alerts for new accounts and new addresses and you aren’t able to lock your credit file through them. Very convenient if you already have a capital one account!

4 months ago

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Jennifer Palmer, AK

Good service and handled everything in a timely manner

4 months ago

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Stephanie Flood Stover, MO

They found straight away that my info was on the dark web. An took care of it immediately.

2 weeks ago

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Lindsay Rawitscher Santa Clara, CA

Good alerts, I wish I could customize them more.

2 weeks ago