The Co-operative Bank Plc

Financial Ombudsman decision DRN9420317 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Oct 26deadline 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

APP scam refund refused, Credit file reporting

In the Ombudsman’s words

He says that he never received the debit card or personal identification number (PIN). He later found out that the card had been used for transactions totalling £4,450, which Co-op wants him to repay.APP scam refund refused

It has also registered a fraud marker on the CIFAS database.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9420317.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.