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Have you ever found a transaction on your credit card statement that you didn’t make?
A discovery like this can be unsettling! Thankfully, American Express makes it easy to dispute unfamiliar transactions.
I recently disputed a charge for ~$161 from Care.com I found on my Starwood Preferred Guest® Credit Card from American Express. The process was easy, and my account was reimbursed in just a few weeks!
I’ll show you the easy steps I took to get my issue resolved, and my money back!
Disputing a Credit Card Transaction With American Express
Last July I discovered a transaction I knew I hadn’t made. So I followed the quick instructions on my AMEX web page to fix the matter.
Step 1 – Click “Dispute / Inquire About This Charge”
When logged-in to your AMEX account, view your posted transactions and click on the transaction you’d like to dispute. Click the link at the bottom of the transaction information, called “Dispute / Inquire about this Charge“.
Step 2 – Continue the Inquiry
After initiating the dispute, a box will pop up asking you if you’d like to continue the process. Click “Continue Inquiry”
Step 3 – Verify You Wish to Pursue the Dispute
American Express will give you information on the estimated time it will take them to examine your dispute. Click the “Continue” button.
Step 4 – Answer Questions About Your Dispute
You will see a multiple choice menu. Tell AMEX the nature of your dispute by selecting the appropriate option (i.e. “I do not recognize this transaction“).
Step 5 – Confirm Your Inquiry
AMEX will ask you 1 more time if you really want to submit your inquiry. Click “Yes“.
Your part is finished! American Express will take care of the rest, and will let you know if they need anything else from you. You will see a message giving you the details about your completed inquiry.
AMEX Keeps You in the Loop
I was very impressed with how well American Express updated me with the status of my dispute! They sent several emails, which made me feel really involved.
I soon received an email update telling me they had contacted Care.com
Less than a week later, I received more information. AMEX had requested more information from Care.com, and was waiting on a response.
Less than 2 days later, AMEX sent a 3rd update. They said they would contact me when the investigation was finished. I was relieved that I didn’t have to go through the hassle of providing additional info!
Four days later, AMEX emailed to tell me they were waiting on documentation from the merchant. They would fill me in when they knew more.
The very next day, AMEX informed me that my dispute had been resolved, and my money had credited back to my account!
I was ecstatic! I signed-on to my American Express account, and sure enough, the charge had been refunded a day earlier.
My transaction was reimbursed within 3 weeks of filing my dispute!
Bottom Line
Hopefully y’all will never need to file a dispute with AMEX. But if you do, it’s a painless process. I’m very impressed with American Express customer service!
Filing a dispute was quick and easy. And I love how well they kept me in the loop with my inquiry! The updates weren’t exactly necessary, but it made me feel like I was a part of the action.
American Express is not doing well with investigation,
to say the least in my case. A vendor did not finish/comply with their contract from December 31, 2019, and American Express is making me “Jump through Hoops,” to get the matter resolved.
Hours of direct talk time and it appears my conversations with representatives are not all being documented. No supervisor will call me back either.
I want a call back from a supervisor now.
This is funny that I came accross this article exactly when I was filing a counter claim against American Express in court.
American Express ignored three disputes I filed in regards to the same charge of $5,200 and did not issue a chargeback, but insisted that I pay a charge. I was wondering why they would rather go through court and trial but not do a simple chargeback until I learned that they have a contract with merchant. So, in this dispute they chose Princess Cruises, their merchant over me, their consumer. Solution they offered to me for a fradulent charge? Pay the entire $5,200 first plus whatever percentage, and then sue Princess Cruises to get my money back. What do you think? Would you go, take this money out of your budget and pay if you dont owe it? Are they crazy? Isnt it a conflict of interest to represent both merchant and consumer?
How cant i cancel a purchase that i did not do or buy
This article answers exactly that in 5 easy steps 🙂
No one has kept me in the loop! Is it because the dispute is against the U S Post Office? I have sent all of the extra proof you asked for, i’ve Called 3 Times inquiring about your “investigation” – it has been almost 6 weeks since this dispute was started. I would really like to know what you are waiting on! It has been over 2 weeks since I was told the P O had been asked for their proof. I have rec’d nothing to review!
Royce Weston
I had a problem with an ATM machine not dispensing my cash, but it showed in my account and balance that x- amount of dollars had been deducted from my balance. I was devastated becaused it was a large amount. It happened today and is a new dispute. I need my money and work hard for it.