Capital One (Europe) plc

Financial Ombudsman decision DRN-3993841 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Wed Mar 29deadline 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

Unauthorised transaction, Credit file reporting

In the Ombudsman’s words

Mr T complains Capital One (Europe) plc won’t refund him for transactions he didn’t make.Unauthorised transaction

And it appears Capital One has recoded adverse information on Mr T’s credit file.Credit file reporting

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3993841.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.