Capital One (Europe) plc

Financial Ombudsman decision DRN-4921822 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Aug 19deadline 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 M complains that Capital One (Europe) Plc are pursuing him for the outstanding balance on a credit card in his name that he says he didn’t apply for.Unauthorised transaction

They also should remove any record of this credit card from the credit reference agencies.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4921822.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.