Vanquis Bank Limited

Financial Ombudsman decision DRN-5042853 Not upheld

Not upheldoutcome, as published by the Ombudsman

£3,500redress stated in the decision

Mon Nov 13deadline 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 phoned Vanquis Bank in October 2023 to dispute a payment of £1,047.24 that had been applied to his Vanquis Bank credit card account.Unauthorised transaction

Vanquis Bank recorded missed payments on his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5042853.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.