Capital One (Europe) plc

Financial Ombudsman decision DRN-6079969 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Tue Mar 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

Card dispute or chargeback, Service failure

In the Ombudsman’s words

Mr N made a claim with Capital One in October 2024 to recoup payments he made to MCard dispute or chargeback

Capital One should have intervened by offering compulsive spending support much earlier than it didService failure

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6079969.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.