Capital One (Europe) plc

Financial Ombudsman decision DRN-6055215 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Feb 25deadline 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

Late payment fees were applied to the account in November 2024, and letters were sent to Mr N advising him that he had missed payments.Charges and fees

Capital One has confirmed that the debt hasn’t been assigned and that it remains with them. Capital One – like all lenders – is under an obligation to report accurate information to the credit reference agencies.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6055215.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.