Don't lose your Fair Credit Billing Act (FCBA) protection rights. Calculate your exact 60-day deadline to dispute American Express billing errors.
You have 60 calendar days from the date the error first appeared on your statement to notify American Express in writing. If you miss this window, you lose your strongest legal protections.
This is the closing date of the statement where the billing error first appeared, not the transaction date.
Allow 3-5 days for postal delivery
Fill in the form to generate your dispute letter preview...
Look for unauthorized charges, incorrect amounts, duplicate transactions, or charges for goods/services not received. Note the statement closing date where the error first appeared.
Use the calculator above to determine your exact deadline. Remember, this is 60 calendar days from the statement closing date, not the transaction date.
Use our letter generator above to create a properly formatted dispute letter. Include your account number, description of the error, and the amount in dispute.
Send your letter to the billing error address, not the payment address:
Use certified mail with return receipt to prove delivery. Keep copies of everything for your records.
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