Capital One (Europe) plc

Financial Ombudsman decision DRN-6394716 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon May 05deadline 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Miss M was in a sustained period of arrears – with no payment made towards either account from November 2024, until the default notices issued in April 2025.Treatment in financial difficulty

Capital One is also required to report accurate information to the credit reference agencies to reflect how a person has managed their account. I’m satisfied that Tesco Bank reporting missed payments and a default is an accurate reflection of how Mr P’s account.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6394716.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.