Capital One (Europe) plc

Financial Ombudsman decision DRN3906576 Upheld

Upheldoutcome, as published by the Ombudsman

£500redress stated in the decision

Fri Mar 01deadline 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

unfairly placed a Credit Industry Fraud Avoidance System (CIFAS) marker against her nameCredit file reporting

Capital One didn’t ask Ms M any questions about the payment of £200 before making the decision to close the account and apply the CIFAS markerComplaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3906576.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.