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American Express Services Europe Limited

Financial Ombudsman decision DRN5076683 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

Funds blocked or frozen, Service failure

In the Ombudsman’s words

The bank applied a block to Mr N’s account – preventing him from using his own cardFunds blocked or frozen

Mr N complains that American Express (AmEx) failed to contact him when an authorised third party’s spending on his account increased significantlyService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN5076683.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.