Capital One (Europe) plc

Financial Ombudsman decision DRN1660126 Not upheld

Not upheldoutcome, as published by the Ombudsman

£60redress stated in the decision

Sat Sep 28deadline 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, Service failure

In the Ombudsman’s words

It unfairly placed late payment markers on her credit file.Credit file reporting

Capital One acknowledged it could’ve done more to locate Miss G’s account when she called in June 2018.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1660126.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.