Capital One (Europe) plc

Financial Ombudsman decision DRN-6068466 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Jun 09deadline 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

I’m satisfied Capital One complied with the guidance set out by the ICO and the credit file reporting was an accurate reflection of how Mr L managed these accounts.Credit file reporting

Capital Once has acknowledged that the service provided during the call on 24 June 2025 fell below the standard it would expect.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6068466.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.