Capital One (Europe) plc

Financial Ombudsman decision DRN4873521 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Jan 03deadline 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

Unauthorised transaction, Credit file reporting

In the Ombudsman’s words

Mrs H has complained Capital One (Europe) plc is holding her liable for a credit card debt when she never applied for or used the card.Unauthorised transaction

Remove any reference to this credit card from Mrs H’s credit recordCredit file reporting

Rules cited

Payment Services Regulations 2017

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4873521.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.