AmexConsumer Dispute
Amex Reason Code C04
Goods/Services Returned or Refused
What the cardholder claims
"I returned the item but got no refund."
Win rate
30-50%
With proper evidence
Response deadline
120 days
From dispute filing
Required evidence (in priority order)
- 1
return_policy - 2
customer_communication - 3
refund_documentation
Response strategy
Show return policy terms, whether return was timely, and refund status. If non-refundable or outside return window, show policy disclosure.
Stripe category
generalStripe maps this network-level code to this simplified category.
Responding to this chargeback?
Rebutto packages these exact evidence fields into the format Stripe requires. First dispute free on the Shopify App, or $9.99 on the web tool.