Capital One (Europe) plc

Financial Ombudsman decision DRN-4516136 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Mar 08deadline 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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Mr M complains that Capital One (Europe) plc refunded him £1,000 even though he was already in arrears and well over his credit limit. He said this was completely irresponsibleIrresponsible lending

Capital One didn’t apply a late payment marker to Mr M’s credit file until August 2023.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4516136.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.