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Capital One (Europe) plc
Financial Ombudsman decision DRN-4977784 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Sep 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
In the Ombudsman’s words
Capital One has confirmed that it doesn’t carry out hard searches on an application for a credit limit increase.Irresponsible lending
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4977784.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.