How to complain to American Express UK
How American Express handles UK complaints and when Financial Ombudsman referral may be available.
American Express publishes a formal UK complaint process. It says complaint handling and escalation times can depend on the product and complaint type, and provides Financial Ombudsman Service information where a complaint is eligible for referral.
Record what happened
Keep statements, payment dates, correspondence and details of any financial-difficulty arrangement or disputed charge so the complaint can be matched to the account history.
Check the applicable escalation route
American Express offers several UK products. The final response should explain the relevant referral rights for the complaint you have made.