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Because you shouldn’t have to worry about a thing.

Concerned about a charge on your statement? Let us know. We’re here to help.


You can dispute a questionable charge online in just a few minutes.

Quick Tips:

  • It can be helpful to contact the merchant if you notice an incorrect charge; this is often the fastest way to resolve an issue. Otherwise, we can assist you quickly online.
  • If you’d like to dispute a Pending Charge, please note that it must become a Posted Transaction before we can begin the process. In the meantime, we can monitor a Pending Charge for you and email you if it appears on your account.

    To select a Pending Charge for monitoring, find the transaction under the Pending Charges section on your Statements & Activity page and click Alert Me When Posted. Follow the steps to complete the process.

Frequently Asked Questions

1. What is a Pending Charge?

A Pending Charge is one that hasn’t posted to your account yet. It doesn’t add to your balance or accrue interest.

Please note that some businesses, like hotels and gas stations, will place a temporary re-authorization charge on a Pending Charge. This charge is released when the Pending Charge becomes a Posted Transaction.

2. How do I open a billing dispute?

Please visit the Statements & Activity page and click on the transaction in question to view more details. Click on Dispute/Inquire about this Charge to begin the process.

3. How do I check the status of a billing dispute?

Please visit the Inquiry and Dispute Center and click on Manage My Disputes. Locate the open dispute in the View/Cancel Open Disputes section and click on Cancel/View Status.

4. What does 'canceling my Card' mean?

When we cancel your lost or stolen Card, the Card number will no longer be valid. We are not, however, canceling your American Express account.

5. How long will it take to resolve a billing dispute?

Most disputes are resolved within a month, although complex cases could require additional time.

6. Will I have to pay for the disputed amount while it is under review?

We'll remove the disputed amount from your required payment due until the matter is resolved.

7. How do I cancel a billing dispute?

To cancel a dispute, please visit the Inquiry and Dispute Center and click on Manage My Disputes. Click on Cancel/View Status next to the open dispute you want to cancel. Click the Cancel Inquiry button on the window that appears, select the reason for why you're cancelling, then click Submit.

Important Note: What to do if you suspect fraud

A disputed charge is not the same as a fraudulent charge. At American Express, we work hard to protect you from fraud, but your active involvement plays a very important role. It is a good idea to regularly monitor your online account and statements for unusual activity. If you find a charge for a merchant with whom you did not conduct any business, then the charge could be fraudulent. Credit card fraud happens when someone makes an unauthorized charge with your account, which may happen when a card is out of your possession, lost or stolen. To learn more about the measures we take to help protect your account, as well as the steps you can take to safeguard yourself, visit our Security Center.

If you suspect fraud, please call 1-800-528-4800 immediately and one of our Customer Care Professionals will assist you. And remember, when you use your American Express® Card, you're not liable for fraudulent purchases.

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