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American Express Services Europe Limited

Financial Ombudsman decision DRN-4948927 Not 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

In May 2024, Mr H was charged a late payment fee of £12 on a new accountCharges and fees

Mr H complains that American Express Services Europe Limited trading as American Express (“Amex”) didn’t treat him fairly when it reported a late payment on his credit card account to the credit reference agencies.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4948927.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.