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

CFPB complaint data

The CFPB received 11,184 complaints about American Express in the past 12 months. 26% were closed with monetary or non-monetary relief. The most common issues:

Incorrect information on your report1,913
Problem with a purchase shown on your statement1,669
Took or threatened to take negative or legal action901

Data from the Consumer Financial Protection Bureau complaint database. Updated daily.

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 charge Duplicate charge Didn't receive goods or service Not as described / defective Free trial I didn't authorize Recurring charge after cancellation

Write my American Express dispute letter →

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