American Express Reason Code M11

What is

American Express Reason Code M11

?

A vehicle-rental dispute over charges related to theft or loss-of-use of the rented vehicle.

Why this happens

A rental company billed for theft or lost use of the vehicle, and the customer disputes the charge.

What this means for each merchant

Relevant only to vehicle-rental merchants — police reports and rental agreement terms are key.

Evidence that typicalls wins this

Police report (if applicable), rental agreement terms on theft/loss liability, and the charge calculation.

How to fight it

Submit the rental agreement's liability terms and any police report or incident documentation.

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Common mistakes

Not clearly disclosing theft/loss-of-use liability terms in the rental agreement.

How to prevent it

Disclose theft/loss-of-use liability terms clearly in every rental agreement.

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