If you suspect there may be a fraudulent transaction on your American Express card, there's no need to panic. Whether your card has fallen into the wrong hands or it's as simple as a valid purchase you forgot about, you can resolve suspected fraud issues in just a few steps. Before you report a transaction as fraudulent to American Express though, it's important to consider a few possibilities.
Before reporting a transaction as fraudulent, consider the following possibilities:
1. Someone with access to your account may be responsible for the transaction in question. If you share the account, ask any other accountholders if they recognize the purchase(s) in question.
2. Check over your receipts to determine if you've simply forgotten about the transaction you're concerned about.
3. It's possible you simply don't recognize the name of the company that's listed on your receipt. Sometimes the merchant's name on your receipt is different from the name they use online or at the physical location you purchased from.
Once you've ruled out any possibilities of a legitimate transaction, you should report any suspicious purchases to American Express as soon as possible. This way, further purchases can be stopped.
To report a transaction:
1. Go to the American Express website.
2. Log in using your username and password.
3. From the Home page, navigate to "Chat With Us."
4. Before you chat with a customer service representative, make sure you have your personal identification information, the answers to your security questions associated with the account, your credit card number and any details about the transaction in question.
If you have questions about a suspicious transaction, reach out to American Express for further assistance.
After thousands of American Express customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Report Fraud to American Express? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting American Express if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.
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