Capital One Complaints

T-G-C

A. Cancel the card, even if it means reporting as lost / stolen. Do not claim the transactions were unauthorized, as being found out will mean account closure and a potential CIFAS entry.

B. Accept that your son cannot be trusted and do not allow him credit associated with you in the future. Remove him from any account(s) associated with you and if this leaves him in a position of being unable to get a mainstream bank, that is his own fault. There are plenty of alternative companies, usually pre-paid, who will accept anyone with a pulse.

C. Keep paying down the balance to save yourself from further interest and charges and potential harm to your credit file. You can chase him for funds he owes later and if he refuses to pay it back, then this further demonstrates his character and will have to put it down to experience.

If you do not have the mobile app, in which you can lock the card from within, then you can also login to the web version and do the same. Check your emails from when the account was opened, which should contain a username and password. Or, keep calling and put them on loudspeaker, ask them to repeat things you do not understand until your query is resolved. A complaint is not needed, as they are not responsible for your son going rouge.