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Home What happens when you dispute a charge on American Express (Amex)?
22 Mar 2023 By PAYCEC
An Amex dispute is a process by which a cardholder can challenge a charge made on their American Express (Amex) card that they believe is inaccurate, fraudulent, or unauthorized. The dispute process allows the cardholder to request that the charge be investigated and potentially removed from their account if it is invalid. Amex provides several ways to initiate a dispute, including online, by phone, or by mail, and will work with the cardholder and the merchant to resolve the dispute.
When you dispute a charge on American Express (Amex), the process generally works as follows:
- Contact American Express: You can call the number on the back of your card, log in to your online account, or use the Amex mobile app to report the disputed charge.
- Amex reviews the dispute: American Express will investigate the charge and try to resolve the issue with the merchant. This process can take several weeks.
- Temporary credit: While the dispute is under investigation, Amex may issue a credit to your account for the amount of the disputed charge. This practice is called a "provisional credit" that helps offset any interest charges or late fees that may result from the dispute.
- Resolution: After resolving the dispute, Amex will either remove the temporary credit if the charge is valid or make the credit permanent if it is fraudulent or incorrect.
It's important to note that the dispute process may vary depending on your case and involve additional steps or requirements. It's always a good idea to keep detailed records and documentation of the disputed charge and follow up regularly with American Express to handle the dispute properly.
To dispute a charge on an American Express (Amex) card, you can follow these steps:
- Log in to your American Express account online or through the Amex mobile app.
- Find the transaction that you want to dispute and select the "Dispute a Charge" option.
- Choose the reason for the dispute and provide any necessary details and documentation to support your claim.
- Submit the dispute.
After you submit a dispute, American Express will investigate the charge to determine whether to issue a refund and temporarily remove it from your account. You will receive a notification of the dispute's outcome by mail or email.
It's important to note that American Express's resolution process may take some time, during which you should continue to make your payments on time. If successful, the disputed amount will be credited back to your account.
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