Originally Posted by
Kacee
Yes. It's based on federal law (Fair Credit Billing Act).
Not clear to me why OP hasn't simply disputed the charge. More details would be helpful.
Agreed. The normal dispute method would have been the place to start.
Maybe OP already did that and the merchant reported back to Amex that the charge was legit?
At that point, there may not be much Amex can do (e.g., not sure if there is a formal “appeal” process, I never had to do that). If the amount is less than $5k, then Small Claims Court would be the next course of action.