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American Express Services Europe Limited

Financial Ombudsman decision DRN-4093536 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

Credit file reporting, Service failure

In the Ombudsman’s words

Remove the adverse data recorded on Mr K’s credit file – the late payment markers in February 2020 – March 2020.Credit file reporting

I’m persuaded that Amex did reduce the spending limit of the card, and didn’t advise Mr K.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4093536.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.