Capital One (Europe) plc

Financial Ombudsman decision DRN9129712 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

—deadline 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, Product mis-sold, Support for vulnerable customers

In the Ombudsman’s words

Mr D complains that Capital One (Europe) plc should not have recorded a default on his credit fileCredit file reporting

I am not persuaded from the evidence that Capital One behaved inappropriately when it issued the credit card to Mr D.Product mis-sold

Mr D complains that Capital One (Europe) plc should not have recorded a default on his credit file as he is a vulnerable personSupport for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9129712.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.