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American Express Services Europe Limited

Financial Ombudsman decision DRN-6048528 Not upheld

Not upheldoutcome, as published by the Ombudsman
—no sum stated
Fri Feb 20deadline 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

Credit file reporting, Payment delayed or failed

In the Ombudsman’s words

AESEL are required to report accurate information to the CRA’s about how someone has managed their accountCredit file reporting
didn’t apply a payment she made to clear her credit card balance in a timely mannerPayment delayed or failed

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6048528.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.