Capital One (Europe) plc

Financial Ombudsman decision DRN-5953087 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon May 18deadline 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, Complaint handling

In the Ombudsman’s words

Mr S complains that Capital One (Europe) plc (‘Capital One’) defaulted his credit card account when he intended to close it and didn’t communicate fairly about this.Credit file reporting

Mr S complained to Capital One that they’d not closed his account as instructed in June 2024 when he made a final payment to clear his outstanding balance.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5953087.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.