Capital One (Europe) plc

Financial Ombudsman decision DRN7518820 Not upheld

Not upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Mon Jan 04deadline 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 (Europe) plc defaulted his credit card account without notice. It then did not remove the default after he paid the balance in fullCredit file reporting

Capital One led him to believe the default would be removed. However, it has since said it will not remove the default and paid him £100 for the misleading information.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7518820.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.