Published decisions
6,716
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.
Upheld rate
38.9%
2,613 upheld decisions
Page summary
6,716 published decisions involving Capital One (Europe) plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
6,716
Firm-specific decision volume in the public corpus
Upheld rate
38.9%
2,613 upheld decisions
Latest published decision 28 Jul 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
6,716
Firm-specific decision volume in the public corpus
Upheld rate
38.9%
2,613 upheld decisions
Leading product
Payment protection insurance (PPI)
5,126 decisions
Leading complaint theme
Affordability Assessment Failure
434 tagged decisions
Capital One (Europe) plc at a glance
AnalysisCapital One (Europe) plc appears in 6,716 published decisions in this corpus. 38.9% 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: 2026 (27 decisions)
- Most common complaint theme: Affordability Assessment Failure
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
AnalysisCapital One (Europe) plc's decision trail runs from 2013 to 2026. 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 27 published decisions with an upheld rate of 22.2%.
- 2026: 27 decisions, 22.2% upheld
- 2025: 165 decisions, 15.2% upheld
- 2024: 103 decisions, 20.4% upheld
- 2023: 96 decisions, 18.8% upheld
- 2022: 111 decisions, 25.2% upheld
Themes, products, and precedent signals
AnalysisAffordability 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-633834828 Jul 2026Not upheld
Capital One (Europe) plc · Banking and Payments
My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr R to accept or reject my decision before 25 August 2026.
View source decisionDRN-650388620 Jul 2026Upheld
Capital One (Europe) plc · Banking and Payments
My final decision is that I uphold Mr P’s complaint and instruct Capital One (Europe) plc to settle the complaint as I’ve set out above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr P to accept or reject my decision before 17 August 2026.
View source decisionDRN-646531407 Jul 2026Upheld
Capital One (Europe) plc · Banking and Payments
I am upholding this complaint. Capital One (Europe) plc should put things right as outlined above.
View source decisionDRN-631553106 Jul 2026Not upheld
Capital One (Europe) plc · Banking and Payments
My final decision is that I do not uphold Mr T’s complaint against Capital One (Europe) plc. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr T to accept or reject my decision before 3 August 2026.
View source decisionDRN-642298406 Jul 2026Upheld
Capital One (Europe) plc · Banking and Payments
My final decision is that I uphold this complaint against Capital One (Europe) plc on the basis explained above. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss H to accept or reject my decision before 3 August 2026.
View source decision