How Do I Report Fraud to American Express?

How Do I Report Fraud To American Express?

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.

Things to Consider Before Reporting Fraud to American Express

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.

How to Report Fraud to American Express

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.