Capital One (Europe) plc

Financial Ombudsman decision DRN-3473707 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Jun 27deadline 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

Credit file reporting, Card dispute or chargeback

In the Ombudsman’s words

Mr O confirmed to our service that because of the way Capital One had treated him and dealt with his payment dispute (including chasing him for payment, charging him for late and/or missed payments and recording adverse information with third party credit reference agencies) he was looking for, in addition to a refund of £195.00 plus associated charges and interest, £600 in compensation.Credit file reporting

Mr O complains about how Capital One (Europe) plc (“Capital One”) dealt with a payment dispute he had with a company that he paid £195.00 to using his credit card.Card dispute or chargeback

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3473707.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.