How to Dispute an American Express Charge?

How do I dispute an American Express charge? Learn how to dispute a charge on your statement and get information about the process.

Sometimes, despite our best efforts, things just don’t go as planned. Maybe you were charged for something you didn’t purchase, or perhaps you thought you were getting a different product or service than what you received.

Whatever the case may be if you find yourself in a situation where you need to dispute an American Express charge, here’s what you need to do.

How do I dispute a chargeback with American Express?

How to Dispute an American Express Charge
How to Dispute an American Express Charge

There are three ways to dispute a chargeback with American Express:

1. Online: Dispute a charge online

2. Via phone: Call the number on the back of your card to speak to a customer service representative

3. By mail: Send a letter detailing your dispute to the address listed on your statement

Let’s discuss these methods in a little more detail.

How to dispute an american express charge online?

The next time you spot a charge on your American Express card that you don’t recognize, take a deep breath and follow these steps to dispute it online.

  • First, log in to your credit cards account, then navigate to the “Open a Billing Dispute” page.
  • Search for the transaction in question,
  • Click on it for more details, and then head over to the Inquiry & Dispute Center to open an inquiry.

Keep an eye out for a confirmation e-mail from American Express confirming receipt of your inquiry. And voila – with just a few clicks, you’re on the path to resolving any potential fraudulent charges.

It’s important to stay vigilant about checking your statements and disputing any unauthorized charges, so don’t hesitate to follow these steps whenever necessary.

How to Dispute a Charge by Phone with American Express

The best way to do this is by calling amex customer service at 1 (800) 528-4800. Have your account information ready and tell the representative about the disputed charge.

They may ask for additional information or proof, so be sure to have any relevant documentation on hand.

Once they have all the necessary information, they will begin investigating and resolving the issue.

Remember that disputing a charge does not automatically remove it from your credit cards bill; setting up a temporary credit may be necessary while the dispute is being resolved.

Don’t forget to follow up with amex and ensure that the issue has been resolved to your satisfaction. Taking these steps will help ensure that you aren’t unfairly charged for something on your American Express bill.

How to Dispute a Charge by Mail with American Express

If you’re not comfortable dispute the charge online or over the phone, you can always do so by mail.

To do this, simply write a letter detailing your dispute and include any relevant documentation. Then, send it to the address listed on your statement or below mentioned address.

American Express Customer Service

P.O. Box 981535

El Paso, TX 79998

It’s important to include your credit cards account number, the date of the disputed charge, and a daytime phone number so American Express can reach you if they have any questions.

As with file a dispute online or over the phone, amex will investigate the matter and take appropriate action.

What Happens After I Dispute a Charge with an American Express Chargeback?

Once you’ve submitted a dispute, American Express will begin investigating the charge.

During this time, they may reach out to you for additional information or documentation. They may also contact the merchant to get their side of the story. Once the investigation is complete, American Express will make a decision and let you know the outcome.

If American Express finds it in your favor, the charge will be reversed and you’ll receive a credit for the amount in question. If they don’t find it in your favor, you’ll have to pay the charge.

In either case, amex will send you a letter detailing their decision.

What information do I need to dispute a charge?

If you’re disputing a charge online, by phone, or by mail, you’ll need to have the following information on hand:

  • Your credit cards account number
  • The date of the disputed charge
  • A daytime phone number where amex can reach you
  • Any relevant documentation or proof

Having this information ready will help the dispute process go as smoothly and quickly as possible.

How long can you dispute a charge with american express?

Did you spot a charge on your American Express statement that doesn’t look quite right? Don’t wait too long to dispute it. You have 60 days from the day you receive the bill to file a dispute with amex. After that, they may not even acknowledge your claim.

So, keep an eye out for unexpected charges and take action within those first two months to ensure you aren’t held responsible for anything fishy. And remember, you should always carefully review all of your credit card statements each month – not just those from American Express – in order to catch and address any errors right away.

That way, you can maintain a clear financial record and avoid any headaches down the road.

How long does it take to resolve american express dispute?

The length of time it takes to resolve a dispute depends on the complexity of the case. Simple disputes may be resolved within a few weeks, while more complex cases can take up to 60 days.

In any case, amex will keep you updated on the status of your dispute and let you know if they need any additional information from you.


dispute the charge with American Express is an easy way to get your money back if you believe you were unfairly charged. The steps involved are simple, and the customer service team is available to help guide you through the process.

Remember to keep all relevant documentation on hand in case they need it, and follow up with American Express once the dispute is resolved to ensure that you’re satisfied with the outcome.

If you have any further questions, please don’t hesitate to contact amex customer service.

Please share your experience in the comments below.

About Author

Dhiraj Jha
Dhiraj Jha
As a personal finance and credit cards expert, I provide valuable insights and advice on budgeting, saving, investing, and debt management. I am also an expert on credit card rewards programs and help readers make informed decisions about which cards are right for them. My goal is to help people improve their financial literacy and make better financial choices.