Capital One (Europe) plc

Financial Ombudsman decision DRN-3459673 Upheld

Upheldoutcome, as published by the Ombudsman

£1,200redress stated in the decision

Thu Jul 28deadline 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

Data and privacy, Service failure

In the Ombudsman’s words

Capital One initially agreed to send Mr S a copy. But it later decided to instead send him a transcript, as it thought this was enough to meet its obligations under the Data Protection Act when sending data to a customer.Data and privacy

Mr S complains about the way a Capital One (Europe) plc adviser spoke to him during a phone call, and the issues he encountered when he asked for a copy of the call.Service failure

Rules cited

Equality Act 2010

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3459673.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.