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Q: I found some charges on my credit card bill this month that I know I didn’t make. How can I dispute these charges with American Express?
A: When you dispute a charge with American Express, you go through a process known as “opening a dispute”. Only after a dispute is considered “open” will the process begin to resolve the matter.
If you want to dispute a merchant charge; that is, a charge that has appeared on your statement stating you purchased something, you can do this by going online at americanexpress.com/inquirycenter. Once you have accessed the website, you go to “Open a new inquiry” and follow the prompts for selecting the type of inquiry then the appropriate merchant charge.
Don’t worry about navigating this site and the sections blindly. You have plenty of helpful information provided along the way.
You can open disputes on recent activity (those which appeared earlier) as well as current activity. This allows you time to dispute a charge that has already occurred. This can bring you peace of mind, because you don’t feel as if you are “stuck” with the problem.
You cannot, however, dispute a pending charge. The charge you are disputing must have shown up on a statement before you can start the dispute process. For the other ones, though, you should have little if any problem in starting the process.