Capital One (Europe) plc

Financial Ombudsman decision DRN7126724 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Aug 17deadline 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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Mr R complains that Capital One (Europe) plc acted irresponsibly in granting him two credit cards.Irresponsible lending

It should also remove any adverse information about the credit card from Mr R’s credit file that was a result of any activity on the card from the date of its opening until 19 May 2017.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7126724.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.