How to File a Chargeback with American Express UK
Everything you need to dispute a transaction with American Express UK, including the best method, required documents, and expected timelines.
0800 917 8047
5-10 working days
Online, Phone
Step-by-Step Chargeback Process
Contact American Express UK via Online or Phone
Explain the transaction you want to dispute and the reason
Provide all required documentation (see below)
American Express UK will investigate and may issue a provisional credit
Wait for the investigation outcome (typically within the stated timeline)
If your chargeback is rejected, consider Section 75 (credit cards) or the Financial Ombudsman
Required Documents
- Transaction details
- Dispute description
- Supporting evidence
Tips for American Express UK
- •Amex is known for being very consumer-friendly in disputes
- •Log into your account → Statements → Dispute a charge
- •Amex often provides provisional credit immediately
Section 75 vs Chargeback
If you paid with a credit card and the transaction was between £100 and £30,000, you may have a stronger claim under Section 75 of the Consumer Credit Act 1974. This makes American Express UK jointly liable with the merchant.
Chargeback is useful for debit card purchases or credit card purchases under £100, where Section 75 doesn't apply. You can submit both a Section 75 claim and a chargeback simultaneously.
Frequently Asked Questions
How do I file a chargeback with American Express UK?
You can file a chargeback with American Express UK via Online, Phone. Call 0800 917 8047 to speak to their disputes team.
How long does a American Express UK chargeback take?
5-10 working days
What documents do I need for a American Express UK chargeback?
Transaction details. Dispute description. Supporting evidence
Need Help With Your American Express UK Chargeback?
Frank can build your chargeback evidence pack, draft dispute letters, and guide you through the entire process.
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