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American Express Services Europe Limited

Financial Ombudsman decision DRN9476563 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

Account closed or refused, Charges and fees

In the Ombudsman’s words

Amex should have blocked transactions and contacted him, before it cancelled the account and passed it to a debt collection agency.Account closed or refused

Amex should refund all interest and late payment fees applied to the account, and suspend all future fees.Charges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9476563.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.