Capital One (Europe) plc

Financial Ombudsman decision DRN-2025097 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Aug 20deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Account closed or refused, Credit file reporting

In the Ombudsman’s words

hasn’t closed his account, although he says he asked it toAccount closed or refused

defaulted his debt which affected his credit fileCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2025097.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.