Published decisions
6,689
Firm-specific decision volume in the public corpus
Firm analysis
Capital One (Europe) plc complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Capital One (Europe) plc, including outcome context, product mix, complaint themes, and representative cases.
Page summary
6,689 published decisions involving Capital One (Europe) plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
6,689
Firm-specific decision volume in the public corpus
Upheld rate
39.0%
2,607 upheld decisions
Latest published decision 30 Dec 2025
Upheld rate
39.0%
2,607 upheld decisions
Leading product
Payment protection insurance (PPI)
5,126 decisions
Leading complaint theme
Affordability Assessment Failure
429 tagged decisions
Capital One (Europe) plc at a glance
Capital One (Europe) plc appears in 6,689 published decisions in this corpus. 39.0% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Payment protection insurance (PPI) is the firm’s clearest product exposure in the published decisions, with 5,126 decisions and an upheld rate of 46.0%.
- Latest active year in the published data: 2025 (165 decisions)
- Most common complaint theme: Affordability Assessment Failure
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
Capital One (Europe) plc's decision trail runs from 2013 to 2025. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.
In the latest year represented here, Capital One (Europe) plc appeared in 165 published decisions with an upheld rate of 15.2%.
- 2025: 165 decisions, 15.2% upheld
- 2024: 103 decisions, 20.4% upheld
- 2023: 96 decisions, 18.8% upheld
- 2022: 111 decisions, 25.2% upheld
- 2021: 383 decisions, 21.4% upheld
Themes, products, and precedent signals
Affordability Assessment Failure is the strongest complaint-theme signal tied to Capital One (Europe) plc in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Consumer Credit Act 1974, Section 140a Cca, Section 75 Cca, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
- Payment protection insurance (PPI): 5,126 decisions
- Second complaint theme: Non-disclosure Or Misrepresentation
- Second precedent signal: Section 140a Cca
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-604648130 Dec 2025Not upheld
Capital One (Europe) plc · Banking and Payments
DRN-6046481 The complaint Mr K complains that Capital One (Europe) Plc won’t provide him with a full refund in relation to a credit card payment he says he made as a result of a scam. He is also unhappy with information they’ve reported to credit reference agencies (CRA’s). What happen... (4 pages)
View source decisionDRN-598110818 Dec 2025Not upheld
Capital One (Europe) plc · Banking and Payments
DRN-5981108 Complaint Miss M has complained that Capital One Europe plc (“Capital One”) irresponsibly provided credit cards as well as subsequent credit limit increases to her. She says that the credit cards and limit increases were unaffordable and this caused difficulty going forward.... (5 pages)
View source decisionDRN-584744816 Dec 2025Not upheld
Capital One (Europe) plc · Banking and Payments
DRN-5847448 The complaint Mrs C complains that Capital One (Europe) plc lent irresponsibly when it approved her credit card application and later increased the limit. What happened Mrs C applied for a Capital One credit card in September 2020. In her application, Mrs C said she was emp... (3 pages)
View source decisionDRN-573452112 Dec 2025Not upheld
Capital One (Europe) plc · Banking and Payments
DRN-5734521 The complaint Mr K complains that Capital One (Europe) plc unfairly recorded adverse information against his credit file following a period of ‘breathing space’ applied to his credit card account. What happened Mr K holds a credit card account with Capital One. In early 202... (3 pages)
View source decisionDRN-596545112 Dec 2025Not upheld
Capital One (Europe) plc · Banking and Payments
DRN-5965451 The complaint Mr C complains Capital One (Europe) plc didn’t do enough to help when he couldn’t use his credit cards while abroad. What happened The background to this complaint is well known to both parties, so I won’t repeat it at length here. In summary, Mr C holds two c... (2 pages)
View source decision