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American Express Services Europe Limited

Financial Ombudsman decision DRN-6052637 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

Credit file reporting, Complaint handling

In the Ombudsman’s words

a negative marker was reported to the credit reference agencies (CRA’s)Credit file reporting

AESEL has since explained that the issue is due to it not accepting payments from the account X holds. So, there is no system issue, it simply doesn’t accept payments from the account X was using. I can’t see that AESEL properly explained this to X, which I’m of the view that it should have.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6052637.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.