Capital One (Europe) plc

Financial Ombudsman decision DRN-5726682 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Mon Nov 17deadline 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, Support for vulnerable customers

In the Ombudsman’s words

Capital One have a duty to report correct information to credit reference agencies. ... it follows that I think Capital One acted reasonably in reporting this information to Mr M’s credit file.Credit file reporting

I can see that Mr M didn’t agree or accept those options as each instance would have resulted in reporting to his credit file. ... I do think Capital One could have done more in this instance, such as trying to understand whether Mr M required any reasonable adjustments before they sent him a link to a third-party charity.Support for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5726682.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.