American Express Chargeback Time Limits: The 2022 Guide

ByManoj Bhatt

When it comes to chargebacks, time limits are important. If you don’t file your dispute within the required timeframe, you could lose your case and be stuck with the bill.

That’s why it’s crucial to know the American Express chargeback time limits. In this guide, we’ll go over everything you need to know about Amex chargebacks, including the time limits for each type of dispute.

If you have a problem with a purchase made with your American Express card, you have the right to file a chargeback. This is true whether you used your card in-person or online. Chargebacks are a way to get your money back when you feel like you’ve been wronged by a merchant.

There are two types of chargebacks: fraud disputes and non-fraud disputes. Fraud disputes occur when you didn’t make the purchase yourself or you suspect that the purchase was made using stolen card information. Non-fraud disputes happen when there’s an issue with the quality of the product or service, you didn’t receive what you purchased, or there are unauthorized charges on your account.

American Express has different time limits for each type of chargeback. For fraud disputes, you have 120 days from the date of the transaction to file a dispute. For non-fraud disputes, you have 90 days from the date of the transaction.

What Makes American Express Chargebacks Unique?

There are a few things that make American Express chargebacks unique. First, American Express is one of the few credit card companies that allows you to file a chargeback for transactions that are more than 120 days old. This is helpful if you didn’t realize there was a problem with your purchase until after the standard time limit had passed.

Second, American Express gives you the option to file a dispute online or by mail. Filing online is generally quicker and easier, but you may want to file by mail if you have documentation that you need to submit along with your dispute.

How to File an American Express Chargeback?

Filing an American Express chargeback is relatively simple. You can file online or by mail.

If you file online, you’ll need to log in to your American Express account and navigate to the “dispute a charge” page. From there, you’ll follow the instructions on how to file a dispute.

If you file by mail, you’ll need to send your dispute form and any supporting documentation to the address on the form. You can find the dispute form on American Express’s website.

What Happens After You File a Chargeback?

Once you’ve filed your chargeback, American Express will investigate your claim. This process can take up to two months.

If American Express decides in your favor, the merchant will be required to refund your purchase. If American Express decides against you, the charge will remain on your account.

You can usually check the status of your chargeback online or by calling customer service.

What Are Your Rights When Filing a Chargeback?

When you file a chargeback, you have certain rights under the Fair Credit Billing Act. The FCBA is a federal law that protects consumers from unfair credit practices.

Under the FCBA, you have the right to:

  • A refund for any unauthorized charges
  • A refund for any charges that are incorrect or not authorized by you
  • A refund for any charges that are not properly explained to you
  • A refund for any charges that are for goods or services you did not receive
  • A refund for any charges that are for goods or services that are different from what was advertised

You also have the right to dispute any charges that you believe are incorrect. American Express is required to investigate any disputes that you file.

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