Capital One (Europe) plc

Financial Ombudsman decision DRN0422553 Upheld

Upheldoutcome, as published by the Ombudsman

£50redress stated in the decision

—deadline 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, Complaint handling

In the Ombudsman’s words

Mrs L complains that Capital One (Europe) plc will not reimburse the difference between the amount she was quoted by a locksmith, and the amount he actually took from her Capital One credit card account.Card dispute or chargeback

I also consider that Capital One did not deal properly with Mrs L when she complained about the locksmith’s actions. It was slow to react to her complaint and take this up with the locksmith.Complaint handling

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0422553.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.