Credit Cards Decision Reference 2026-0052

• Case Outcome: Rejected
• Year: 2026
• Reference: 2026-0052
• Date: 31 March 2026
• Subject Matter: Credit Cards
• Finantial Sector: Banking
• Conducts Complained Of: Disputed transactions,Level of contact or communications re. Arrears

Decision Ref:

2026-0052

Sector:

Banking

Product / Service:

Credit Cards

Conduct(s) complained of:

Disputed transactions

Level of contact or communications re. Arrears

Outcome:

Rejected

LEGALLY BINDING DECISION OF THE FINANCIAL SERVICES AND PENSIONS OMBUDSMAN

The Complaint concerns a credit card account with account number ending in 4251.

The Complainant’s Case

The Complainant contends that the Provider mal-administered his credit card payments in

2015 and 2016 and that, instead of paying off his outstanding credit card balance, his

cheque payments were incorrectly applied to third-party accounts.

The Complainant wrote to the Provider by letter dated 9 October 2018 stating that he had

made multiple credit card payments between 15 July 2015 and 20 June 2016 to his

account ending 4251. He stated that this left a balance of €50.43 (fifty euro and forty-three

cent) on the account at the time. He stated that as more payments may have been made

since 20 June 2016, he may have overpaid the account and that he may be entitled to a

reimbursement in that instance. The Complainant stated that the Provider may have

incorrectly deposited his funds to third party accounts.

By letter dated 29 October 2018, the Complainant submitted to the Provider as follows:

“my payments were always made on your slips, enclosed, how did they get into

other people’s accounts? If your bank had issued monthly statements as it was