I have never lost a dispute with AMEX in 25 years, but also find them to be pretty lousy at handling them. Yes, if the dispute is below a certain threshold they generally just write off the charge and credit me (which usually makes me mad that they let the vendor keep the funds, instead of charging them back - but I guess it AMEX's money in those cases). However, where they open a dispute, they simply send the vendor a notice, and if the vendor claims the charge is correct, they do not seem to evaluate the vendor's statement, and simply side with the vendor and close the dispute. One then needs to go back to AMEX again to challenge their disposition.

This is not how it is supposed to work, but AMEX simply does not follow the requirements of the law in good faith. Most recent example - hotel charge for a hotel I stayed in - but not for my room. My room folio posts to my AMEX - as does someone else's room folio. I dispute the charge, and the hotel claims it is correct - supplying as evidence a folio with someone else's name and address. AMEX closes the dispute and sides with the hotel. I again dispute the charge, and tell them to please LOOK at the evidence. My card was never swiped for that room, I never signed a credit card slip, I don't know the person!!!! They finally credit me. Shouldn't be that hard. Partiuclarly for a Centurion cardholder charging $150k+ every year.