To dispute a charge on an American Express credit card, log in to the Amex account and locate the purchase in question on the “Statements & Activity” page. Then, select “Dispute/Inquire about this Charge” and follow the steps to open a billing dispute.
Before you file a dispute, try calling the merchant to resolve the issue directly. During the filing process, American Express will ask you to do this first, since merchants can often fix the problem on their end. That said, if the merchant can’t or won’t resolve the issue to your satisfaction, continue filing the dispute through American Express.
Most Amex disputes are resolved within a month, though some complex cases might take more time. If Amex decides the claim is legitimate, they will refund your transaction by issuing an immediate chargeback. If not, they might reach out to the merchant for more information. The disputed amount will not be part of your required payment unless the case is dismissed and you are informed that the charge is valid and must be paid.
Keep in mind that you cannot dispute a pending charge. If you’d like, American Express can monitor the charge for you, so you can file a dispute when the charge becomes a posted transaction. Just find the pending charges section under “Statements & Activity” and click “Alert Me When Posted” for the transaction you’d like to dispute. Follow the ensuing steps and then wait. You’ll receive an email notification when the charge is no longer pending, and you can then file a dispute.
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