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American Express Reason Code F24 No Cardmember Authorization

Disputeโ€‹

American Express

Card Issuer Name

F24

Reason Code

Fraud

Category

Claim

The cardholder agrees theyโ€™ve transacted with the merchant before but claims they didnโ€™t authorize the particular transaction.

Cause

  • The cardholder doesn’t recognize the bill description.
  • The cardholderโ€™s family member made a purchase without their permission with their card.
  • The merchant charged the wrong account number.

Response

Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant.
Merchants have 20 days to respond to the claim in dispute.

Steps to Prevention

  • Always get approval for the transaction.
  • Use clear, easy-to-recognize billing descriptors.
  • Employ secondary validation methods like PINs and signatures.
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