How long do I have to dispute a charge with AMEX?
Aug 13, 2011, 10:42 am
#1
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How long do I have to dispute a charge with AMEX?
How long do I have to dispute a charge with AMEX?
I ordered something online and paid with my AMEX card. The merchant is saying the item will not be in stock for 4-6 weeks. I'm willing to wait, but what if they never ship it?
Is there a time limit after which I will no longer be able to dispute the charge if I never receive the item?
I ordered something online and paid with my AMEX card. The merchant is saying the item will not be in stock for 4-6 weeks. I'm willing to wait, but what if they never ship it?
Is there a time limit after which I will no longer be able to dispute the charge if I never receive the item?
Aug 13, 2011, 11:22 am
#3
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Some merchants charge you right away, when you place an order, even if the item is not in stock. B&H Photo is an example of a merchant who does that.
Aug 14, 2011, 4:51 am
#5
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It may be "best" for American Express, but in the USA consumers must submit disputes in writing to receive full legal protection. I prefer to have no telephone contact with any credit card issuer because there is insufficient accountability.
Aug 14, 2011, 6:54 am
#8
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Aug 21, 2011, 12:03 pm
#10
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Okay, I got the real info. direct from Amex:
https://twitter.com/#!/AskAmex/statu...37964913111041
Apparently, you have 60 days to dispute a purchase but that date is taken from 60 days after the date of promised delivery. So, if the merchant said it would be delivered in 14 days for example, you then have 60 days from then in order to be able to dispute the charge.
Seems like a good and liberal dispute policy to me.
Note, this is only for items not received. For other types of disputes, it sounds like it's 60 days from the purchase date.
https://twitter.com/#!/AskAmex/statu...37964913111041
Apparently, you have 60 days to dispute a purchase but that date is taken from 60 days after the date of promised delivery. So, if the merchant said it would be delivered in 14 days for example, you then have 60 days from then in order to be able to dispute the charge.
Seems like a good and liberal dispute policy to me.
Note, this is only for items not received. For other types of disputes, it sounds like it's 60 days from the purchase date.
Jan 14, 2013, 9:28 am
#11
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What about booking air tickets 7 months ahead? If something goes wrong during travel period, will I have a chance to dispute this within a month after travel? Even though the charge would have occured far beyond 60 days.
Mar 29, 2013, 4:52 pm
#12
Join Date: Jun 2010
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I have the same problem as well. Now I will have to see what AMex responded for the ticket I purchased last May.
Mar 30, 2013, 2:17 pm
#13
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Merchants should not be actually charging you until they fulfill the order. They will likely run an authorization on the card at the time of order to see if you have funds, but they aren't technically supposed to settle the charge until it has been shipped. So 60 days after settlement.
Mar 30, 2013, 4:58 pm
#14
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Mar 31, 2013, 4:45 pm
#15
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I could see a situation where an airline cancels a flight or changes a schedule months after the ticket was purchased, and refuses to refund the original purchase, if the passenger wants. But generally there aren't many valid reasons to have to dispute a ticket purchase.
And I guess there's always small claims court as backup.
And I guess there's always small claims court as backup.
