Capital One (Europe) plc

Financial Ombudsman decision DRN-6414671 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Jul 14deadline 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, Support for vulnerable customers

In the Ombudsman’s words

Miss S complains that Capital One (Europe) plc (‘Capital One’) didn’t communicate fairly with her before reporting a default for her credit card account.Credit file reporting

The Financial Conduct Authority has issued guidance on the fair treatment of vulnerable customers, and I’ve kept this in mind when considering this complaint.Support for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6414671.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.