Capital One (Europe) plc

Financial Ombudsman decision DRN-6242297 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Jul 07deadline 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 B complained because Capital One (Europe) plc refused to refund him for transactions which he said he hadn’t authorised.Unauthorised transaction

He complained that Capital One was reporting missed and late payments on the amount he was disputing, which he said was affecting his credit score.Credit file reporting

Rules cited

Payment Services Regulations 2017, Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6242297.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.