Amex reason code C28
Amex C28: Canceled Recurring Billing
What the cardholder is claiming
The cardholder says they canceled a subscription or recurring charge before this billing, and you charged them anyway.
The evidence that actually wins
Bank analysts skim responses in minutes against a checklist for this exact code. Lead with the strongest fact; never make them dig.
- ✓A dated search across all cancellation channels showing no cancellation request before the billing date
- ✓Usage logs showing the member actively used the service after the date they claim to have canceled
- ✓Subscription terms, billing frequency, and cancellation method disclosed and affirmatively accepted at signup
- ✓Proof the disputed charge predates the cancellation request, with both timestamps side by side
- ✓Confirmation that recurring billing was stopped immediately once the cancellation or dispute arrived
The honest read
This is one of the most member-friendly codes Amex has, and if any trace of a cancellation attempt exists before the charge, in any channel, credit it rather than fight. Requiring 30 days notice or a specific cancellation method carries little weight when the member can show they tried to cancel. Your genuine fight is continued active usage after the claimed cancellation plus a clean, searchable absence of any cancellation attempt. Whatever you decide on this charge, stop the billing immediately, because the next cycle will generate a fresh dispute and a pattern Amex tracks against you.
Nobody can promise you a win; the cardholder's bank decides. What you control is submitting the strongest complete case your records support, on time. Our plain-language guarantees say exactly what that means.
Fighting a C28 right now?
Send us the dispute and a person builds the complete, submission-ready response: the narrative mapped to C28, your evidence compiled and ordered, and the field-by-field walkthrough. 24-hour rush available. If our review says yours isn't worth fighting, we tell you for free.