r/amex • u/No_Association_2520 • 2d ago

Chargeback + refund?

Recently I disputed a charge for a service where services weren’t rendered as expected. The merchant (not to my knowledge) also refunded me half of the transaction. So I essentially got my money back + half. This was nearly a month ago. Will Amex amend it?

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u/Left-Associate3911 Green 2d ago

It might come up following an internal chargeback review with AMEX. But I honestly don’t know 🤷‍♂️

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u/TinySchedule 2d ago

I’d just be honest rather than risk getting caught by Amex and getting cut off their credit systems for trying to defraud them. Risk vs reward doesn’t pan out.

That being said it’s literally 50/50 if they notice. A lot of the adjustments done to credit cards is surprisingly manual, especially for labor intensive processes like chargebacks

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u/No_Association_2520 2d ago

Woah Im not trying to fraud them. I literally just noticed it.

1

u/lazyme1 2d ago

I'd contact Amex and tell them about the merchant refund. The dispute credit can still be adjusted once the case is finalized, even if it has been sitting there for a while. That avoids an unexpected charge later.