Capital One (Europe) plc

Financial Ombudsman decision DRN0975569 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Wed Dec 16deadline 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, Complaint handling

In the Ombudsman’s words

Capital One was required to ensure credit files contain accurate information, and so it could not remove records of these searches as Mrs M had requestedCredit file reporting

Although Mrs M’s complaint had been addressed to the head of Capital One’s applications team... complaints were dealt with by a different team, which was why the reply had been signed by the head of that teamComplaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0975569.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.