American Express Chargeback Policy/Rules?

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MrAwesome
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American Express Chargeback Policy/Rules?

Postby MrAwesome » Mon Oct 24, 2011 11:10 am

Today I had to open a chargeback on my American Express business platinum card in the amount of roughly $1,300. Do I still have to pay this at the end of the month in addition to my regular bill, or do these charges get "quarantined?" I'd much prefer the latter.

Also, never done a chargeback with Amex before, anyone have any clue on how long it should take? This particular one should be fairly clean cut.

Thanks all.


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Pete838
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Postby Pete838 » Mon Oct 24, 2011 5:30 pm

Are you trying to return something? Or just not pay for it?

The only disputed charges I've ever had were rental car fees that I was overcharged for. AMEX handled both instances in under a week.

I would pay whatever amount is on the bill when it posts, but I would wait until the due date to see if a credit posts.
Freedom is never more than one generation away from extinction. We didn't pass it to our children in the bloodstream. It must be fought for, protected, and handed on for them to do the same.
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CC Deville
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Postby CC Deville » Mon Oct 24, 2011 6:04 pm

By law the disputed amount is excluded from your bill and therefore it is not due until after the disputed chargeback is completed (and only then if the dispute was issued in the favor of the merchant).

Call just to be sure, but they will most likely tell you to exclude the $1,300 from your monthly payment this month. A confirmation letter should have already been sent with this information that you would receive in the mail.

MrAwesome
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Postby MrAwesome » Mon Oct 24, 2011 7:14 pm

Wow, awesome info all, thanks much.

Just to answer Pete's question, the charges were for an internet advertising service that I actually do pay, but clearly these charges were wrong... I emailed their support and got an automated response saying they'd be back with me in 48 hours and haven't heard a thing since (that was over a week ago)... so I turned to the charge-back approach.

derekivey
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How good is AMEX's Chargeback Process?

Postby derekivey » Mon Jan 30, 2012 11:35 am

Hi guys,

I bought a new car on December 31, 2011 and got suckered into buying a $800 extended warranty from the dealership. I didn't realize at the time that it was a third party warranty and after doing further research into the warranty company, I decided to cancel it. According to the terms of the warranty, I have 60 days to cancel and get a full refund back. It said in order to cancel, I have to submit a written request to the dealer where it was purchased.

I called the dealer on 1/6/12 to notify them that I would like to cancel it and I asked for their fax number to send the written request to. They gave it to me and said to call back in a week or so to check on the status of the refund. I faxed the notice to them right after I talked to them and called back a week or two later.

I left a voicemail but never received a call back from them. I've been calling every few days since and keep getting their voicemail. I left another voicemail today, so we'll see if I get a call back. I think I might dispute the transaction if I don't hear back soon.

Has anyone disputed a transaction with AMEX?

Thanks,
Derek

adavis425
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Postby adavis425 » Mon Jan 30, 2012 9:42 pm

Hi Derek,

I actually just went through that process with AMEX. I had a repair company come in to fix my washing machine. He came in and cleaned it, but it still didn't run. Then he told me it needed a part for which he billed me $165. Two weeks later, I still hadn't heard from him. After a couple of unsuccessful calls to the company, I called AMEX. They quarantined the charge and gave the company a chance to respond which they did not. So I received notice a few days ago from AMEX that the charge has been removed from my account. The whole process took about two weeks. AMEX customer service rocks!

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Pete838
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Postby Pete838 » Mon Jan 30, 2012 11:26 pm

derekivey wrote: I have to submit a written request to the dealer where it was purchased.



You need to prove service of the letter. Simple. Registered letter with return receipt, and save a copy of the letter. You may be able to resolve without a chargeback. Instead of calling why not just pay them a visit? It is way too easy to put somebody off if they are calling on the phone. Not so easy when you are standing outside the general manager's office.

If you do need to chargeback, though, AMEX is awesome; at least on the consumer side.
Freedom is never more than one generation away from extinction. We didn't pass it to our children in the bloodstream. It must be fought for, protected, and handed on for them to do the same.
Ronald Reagan

derekivey
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Postby derekivey » Wed Feb 01, 2012 9:19 pm

Pete838 wrote:You need to prove service of the letter. Simple. Registered letter with return receipt, and save a copy of the letter.

I have a receipt from my fax machine. Is that good enough? Also, I would pay them a visit but they are 122 miles away from me. I drove that far because they had the car I wanted in the color I wanted and gave it to me for invoice price.

Derek

derekivey
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Postby derekivey » Mon Feb 27, 2012 7:51 pm

Hey guys,

AMEX closed my dispute today and it says "A letter detailing the resolution of your inquiry was sent to you on Feb 27, 2012"

Has anyone else gotten a similar message when their dispute was resolved? I'm not sure if that means I'm getting my refund or not.

I noticed it still says "The payment due amount has been adjusted to reflect a disputed amount of $837.40" on the main account page.

I'll call tomorrow to find out what's going up, but I thought I'd ask and see if anyone else has seen this before.

Thanks,
Derek

derekivey
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Postby derekivey » Mon Feb 27, 2012 9:18 pm

UPDATE: I called tonight and found out that the charge back was approved and I will be getting a credit in a few days because the merchant never responded. AMEX is awesome!

Derek



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