Why it happens
- A refund was agreed by support but never issued.
- The refund was issued to a different card.
- The refund was still pending when the card member checked their statement.
American ExpressC02Customer dispute
Credit Not Processed
The card member says they were promised a refund or credit and it never reached their account.
What to send to fight it
- Proof the refund was issued, with its date and amount.
- Your refund policy as shown to the customer at purchase.
- Support conversations showing no refund was promised, or why it was not due.
- Usage records showing the service kept being used after the claimed cancellation.
How to prevent it
- Issue promised refunds right away and send the customer a confirmation.
- Refund to the original card, never by another method.
- Make the refund policy visible before payment.
Summaries written by NoChurn from the networks’ public rules and processor documentation. Networks update their rules and deadlines depend on your processor: check its documentation before you respond.
Other American Express codes
- A01Charge Amount Exceeds Authorization Amount
- A02No Valid Authorization
- A08Authorization Approval Expired
- C04Goods/Services Returned or Refused
- C05Goods/Services Cancelled
- C08Goods/Services Not Received or Only Partially Received
- C14Paid by Other Means
- C18"No Show" or CARDeposit Cancelled
- C28Cancelled Recurring Billing
- C31Goods/Services Not As Described
- C32Goods/Services Damaged or Defective
- F10Missing Imprint
- F14Missing Signature
- F24No Card Member Authorization
- F29Card Not Present
- F30EMV Counterfeit
- F31EMV Lost/Stolen/Non-Received
- FR2Fraud Full Recourse Program
- FR4Immediate Chargeback Program
- FR6Partial Immediate Chargeback Program
- M01Chargeback Authorization
- M10Vehicle Rental - Capital Damages
- M49Vehicle Rental - Theft or Loss of Use
- P01Unassigned Card Number
- P03Credit Processed as Charge
- P04Charge Processed as Credit
- P05Incorrect Charge Amount
- P07Late Submission
- P08Duplicate Charge
- P22Non-Matching Card Number
- P23Currency Discrepancy
- R03Insufficient Reply
- R13No Reply
Sources (2)
- American Express: How to Manage and Help Prevent Disputes (US Disputes Reference Guide) · checked 2026-11-09
- Antom (Alipay) Docs: American Express dispute reason codes · checked 2026-11-09
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