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American Express Services Europe Limited

Financial Ombudsman decision DRN-3843506 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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Miss S complains that American Express Services Europe Limited irresponsibly agreed to provide her with a credit card and then subsequently increased the credit limit which was unaffordable for her.Irresponsible lending

American Express should also remove all adverse information recorded after December 2018 regarding this account from Miss S’s credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3843506.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.