Firms › American Express Services Europe Limited ›

American Express Services Europe Limited

Financial Ombudsman decision DRN-2948276 Upheld

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

Unauthorised transaction, Credit file reporting

In the Ombudsman’s words

He reported it to AmEx to dispute it, and they agreed the transaction was unauthorised and refunded it to his account.Unauthorised transaction

They also recorded a late payment marker on Mr T’s credit file.Credit file reporting

Rules cited

Payment Services Regulations 2017

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2948276.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.