I've been with CapitalOne for years before the fraud happened and they were NOT able to help with that!
Basically, if you buy a coffee in the coffee shop, give your card to pay for it and cashier does cash back without you knowing, the CapitalOne will NOT protect you from that.
This has happened to me in New Zealand when I've stopped by the coffee shop real quick. Because of the bad reception, I have not received notification about the charge right a way. When came back to hotel-seen that charge. I had to call them FOUR times to report that out and get my money back to my account and all they have said is: "unfortunately, we will NOT be able to help you with that, because the card hasn't been reported stolen".
Yes! It has not been reported stolen, because it wasn't, it has been ROBBED-which has been reported FOUR TIMES! And now they cannot get stolen money back as well as $10 cash advance FEES!
Closing account!
Folks, do NOT deal with CApitalOne! If you are traveling, paying with their card- you can be robbed and they WON'T HELP YOU.