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American Express Services Europe Limited
Financial Ombudsman decision DRN-5904519 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Wed Mar 18deadline to accept (not the decision date)
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, Card dispute or chargeback
In the Ombudsman’s words
On 6 February 2025, Miss H raised a dispute with AmEx that a payment was unauthorisedUnauthorised transaction
Miss H purchased flights with R for £210.11 but was unable to use this flight due to genuine sickness. R did not offer Miss H a refund, so she asked AmExCard dispute or chargeback
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5904519.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.