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American Express Services Europe Limited
Financial Ombudsman decision DRN3853073 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Jan 14deadline 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
Card dispute or chargeback, Complaint handling
In the Ombudsman’s words
He complained about the debit. He said Amex told him the credit was permanent and it wasn’t entitled to debit his account without his consent.Card dispute or chargeback
He was also unhappy at the delay in re-debiting his account. He said it didn’t provide an explanation at the time and the re-debit has affected his credit rating and caused distress to him and his family.Complaint handling
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3853073.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.