Was wondering what the time limit to do a charge back for American Express is. Any experiences as well.or tips this is one i would give 50/50 odds of winning.File early or late? etc
Also is it best to pay the amount in question so i dont have to pay interest on it if i lose.
Is that correct if you lose the chargeback you will have to pay the interest that accured during the dispute in question.
Thank you for any help
This will be my first chageback as well.Do they have an overall chargeback limit?
amount in question is $250
I've only had to do a chargeback a couple of times but once was with Amex. A hotel randomly charged me like $150 on a separate charge for a room reservation in my name that neither they or I could ever substantiate. I stayed there 2 weeks and somehow they had me there for a separate night during my stay. Anyways, I tried to work it out with the hotel and they said they'd take care of it and after about two months I still didn't have the credit and wasn't getting any more return communication from them I disputed it.
Whether you have info backing up your dispute is important. A CCard company just isn't going to give you your $ back if you can't show good reason for it (well, unless you're a great customer and the $ value is low). I had an e-mail trail and even the manager agreeing that the charge was erroneous and he'd resolve it but never did. I sent that off to them and within a week or two I had a credit on my account.
Another story is my little brother was basically held up in China and was threatened (by 5 big Chinese men) in a business to pay them $1k USD. In the end he did it and called the credit card company to inform them he was going to be disputing a charge once he left the country and upon exiting (about a week later) did dispute it and got his $ back.
I'd say the earlier the better to file a dispute, and gather as much info as you can to justify them giving you your $ back and taking it out of the merchants account.
Federal law (summarized on the back of each statement, but not necessarily 100% correctly) says the time limit for filing most complaints is 60 days from the date of the first statement with the charge listed, unless your complaint falls under the "Special Rule For Credit Card Purchases" (the thing with the $50 minimum and the distance limits), in which case there's no time limit, provided you complained to either the merchant or card issuer (in writing or orally) before you paid the card bill. It's always a good idea to complain before you pay. The other two methods of complaint have to be made in writing to the card issuer, by mail to the special address for billing problems. If you don't complain correctly, you may not guarantee your legal rights, including the one that says the card issuer can't collect on the first $50 of a dispute if they handled your billing error complaint wrong (didn't reply or correct the matter in time -- I once imposed that fine). Also customer service representatives don't always give correct information about your rights and may tell you that you don't need to file your claim in writing, too much time has passed, you have to prove that the charge was wrong (they have to prove it's right, whether your complaint is reasonable or not), and refund your money if they can't do that), or you can't get a refund if the merchant won't pay back he card issuer.
The only limit to the amount you can charge back is the amount of the particular charge being disputed. OTOH it wouldn't surprise me if a card issuer is far more willing to refund $250 to a person who charges $100,000 a year rather than $2,000 a year.
I don't know how finance charges are handled in case a claim is denied, but I always worried about that and have always paid the full statement amount (after complaining, of course), but that may not be possible through the card issuer's website and may require mailing a check or using a bill payment or electronic money transfer service.
Some card issuers have wierd rules about refunds for hotels and rental cars. For example, Chase at least used to required checking out of the room before the second night in order to get a refund, even when no other hotel rooms are availalbe within 70 miles (I was out in the boonies) and there's a snow storm.
In regards to the Federal "Special Rule For Credit Card Purchases", the purchase has to be made within 100 miles or in the same state as your billing address, but if the purchase was made by mail, phone, or Internet, the location of the transaction is considered to be your mail box, phone, or computer. Also you can later change your billing address and then file the complaint so that you meet the geographic requirement, which is what one person did in the case of a car purchase.
Generally, tell the card issuer, in writing, that you're filing a "billing error" complaint, you don't "accept" the product or service, and you've "worked in good faith" with the merchant. Use all those quoted terms, and realize that legal meanings aren't necessarily the same as normal meanings. For example, about anything is a billing error, and the card issuer has to treat your complaint as a billing error if you say that's what it is. Also "accept" doesn't mean you simply took possession of the product, unless maybe if the product was sold "as-is". Also card companies usually have their own rules that go beyond federal requirements regarding time (usually extended to 1 year instead of 60 days), geographic (no need to be in-state or within 100 miles of your billing address), and dollar requirements (no $50 minimum).
Last edited by larrymoencurly; 07-27-2012 at 01:38 AM..
Once you file the dispute I think the disputed amount becomes inactive on your account. Say for example I had $1000 in unpaid charges on my account and then I disputed a $100 charge from company. Once the dispute is filed my open balance will now read $900 when I log into my AMEX account.
This is how it was for me when I disputed a charge. My case was that I reserved tickets for a travel excursion and was charged right away. They had a 100% refund policy and I ended up cancelling the excursion. The vendor issued a 100% credit but it never came through because the sales associate did it incorrectly so I had to file a dispute with them through AMEX. It was resolved after 3 or 4 days.
I've charged back maybe 10 things over the past 10 years, but they were all legitimate so it was a smooth process and never had to worry about it getting denied. Only once did I have to provide extensive documentation and the amount was >$1000.
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