American Express Reason Code F24

The cardmember claims they never gave authorization for this specific charge.

A charge was processed without documented cardmember consent — often a recurring charge or a stored-card reuse.

Your proof of the specific authorization (not just a general account relationship) is the whole case.

Signed authorization, checkout consent record, or documented verbal authorization tied to this specific charge.

Reusing stored card details for a new charge without fresh, specific authorization.