To dispute an American Express charge, log in to your American Express account online and search for the transaction to dispute, or call American Express customer service at 1 (800) 528-4800. Alternatively, the address to dispute a charge by mail is:
American Express Customer Service
P.O. Box 981535
El Paso, TX 79998
American Express disputes are typically resolved within 30 days, though more complex issues may take a little longer.
How to Dispute a Charge on an American Express Card Online
- Log in to your online account.
- Click Open a Billing Dispute.
- Search for the transaction in question.
- Select the transaction for more details.
- Click on the Inquiry & Dispute Center to open an inquiry.
- Check for a confirmation e-mail from American Express verifying receipt of the inquiry.
Before you dispute a charge through American Express, you should first contact the merchant associated with the charge on your American Express card. Merchants have easier access to your purchase information and should be better able to quickly remedy the issue. If for some reason, the merchant is unable or unwilling to work with you on a disputed charge, you can then file a dispute with American Express.
Once you’ve initiated the dispute, American Express will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your American Express card as you normally would while a dispute is ongoing.
American Express will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.
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