How to Dispute a Charge on Your AMEX Credit Card
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Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.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.


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.
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Intro APR on purchases
N/A
Regular APR
15.99%-22.99% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Rates & Fees
Other
MORE INFO
Chase Sapphire Preferred® Card
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Intro APR on purchases
N/A
Regular APR
15.99%-22.99% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Rates & Fees
Other
MORE INFO
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