How to dispute a charge at American Express
American Express gives cardholders 60 days from the statement date to file a dispute. American Express typically resolves disputes within 5 business days of filing. A complete, well-documented letter gives the investigator everything they need to decide quickly.
Dispute windows
Dispute window60 days from statement date
Chargeback window120 days from transaction date
Typical resolution5 business days
Debit card vs credit card protections
Debit card (Reg E)
Cardmember Agreement terms apply
Credit card (Reg Z)
Credit: 60 days from statement
How to file at American Express
- 01Online: americanexpress.com/dispute
- 02Phone: 1-800-528-4800
- 03Chat: App
Generate your American Express dispute letter
Select your dispute type and we'll generate a personalized letter, pre-filled with American Express-specific submission instructions and your deadline.
Select your dispute type:
Unauthorized chargeDuplicate chargeDidn't receive goods or serviceNot as described / defectiveFree trial I didn't authorizeRecurring charge after cancellation
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