Capital One (Europe) plc

Financial Ombudsman decision DRN-4544460 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Wed May 22deadline 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, Complaint handling

In the Ombudsman’s words

Mr B complains that Capital One (Europe) plc unfairly defaulted his credit card and recorded this on his credit file.Credit file reporting

Mr B brought his complaint to our service, but our investigator didn’t think Capital One had done anything wrong.Complaint handling

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4544460.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.