Action Required: Suspicious Spending Patterns on Your Account

Urgent Request to Review Suspicious Spending Patterns

Our monitoring systems flagged transactions that appear inconsistent with your typical spending behavior. While we cannot disclose specific details for security reasons, this may include unexpected purchases, geographic irregularities, or high-frequency activity:   To protect your account from potential fraud, we have temporarily locked it as a precautionary measure and immediate action is required.

Review your account Now   Check your transaction history for any unauthorized charges. If you recognize suspicious activity, report it immediately. If fraudulent transactions are confirmed, Capital One will issue a provisional credit and investigate further. You will not be held responsible for unauthorized charges.

Highlights of your changes from September 19, 2025 to October 17, 2025   Payment history 9/9  account payments made on time To lenders, your history of on-time payments indicates whether you’ll make payments on time in the future.

New accounts 0  new accounts To lenders, opening too many new accounts in a short window of time could point to credit problems.

Credit usage 30 % ? 27% of total credit used See how much credit you are using compared to your total credit—the lower your credit usage, the better.

See your score

Check your credit score and other key factors with the CreditWise app. Download the CreditWise mobile app today.

About this message The CreditWise Simulator provides an estimate of your score change and does not guarantee how your score may change. Web access is needed to use the mobile app. Check with your service provider for details on specific fees and charges.

Important information from Capital One Contact us  |   Privacy   |   Help prevent fraud To ensure delivery, add capitalone@notification.capitalone.com to your address book. This email was sent to jw@allermetrix.com  and contains information directly related to your CreditWise account (including CreditWise alerts) and other services to which you have subscribed. If you no longer want to receive these emails, unfortunately you’ll have to unenroll from CreditWise . Where does my CreditWise score come from? The credit score provided in CreditWise is a FICO® Score 8 based on TransUnion® data. The FICO Score 8 gives you a good sense of your credit health, but it may not be the same score model used by your lender or creditor. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners. Please do not reply to this message, as this email inbox is not monitored.  To contact us, visit www.capitalone.com/help-center/contact-us. Products and services are offered by Capital One, N.A. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. © 2025 Capital One. Capital One is a federally registered service mark. CWMR24 49108 3378634 TP1001