Vanquis Bank Limited

Financial Ombudsman decision DRN-5863386 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Thu Feb 12deadline 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 H has complained Vanquis Bank Limited is holding him liable for a debt on a credit card account he never took out.Unauthorised transaction

Remove the credit card taken out in February 2025 from Mr H’s credit recordCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5863386.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.