I recently went through this process with American Express. Here was my situation and experience. I bought something online that was supposed to come in two pa

I recently went through this process with American Express. Here was my situation and experience. I bought something online that was supposed to come in two packages. One package arrived. The other didn't arrive even after three weeks. The tracking information they sent me was wrong, and when I figured out what it was supposed to be, it showed as being stuck in one of the sorting facilities. I tried to contact the vendor over a period of a week- emailed them, called them multuple times- no response or reply. I called Amex and they opened a report. They asked me if I'd tried to contact the vendor- what had they said. I even explained that I didn't feel I was entitled to the whole amount, only the part for the second package. Amex told me that they'd need to open up their own investigation, attempt to speak with the vendor, etc. and I should expect to hear back from them by email in two weeks. That seemed reasonable to me. Three days later, I got an email saying they'd give me the entire amount, including the part I didn't ask for. A few days after that, the vendor got back to me and it turns out the tracking info was wrong, and the package had been delivered but I hadn't seen the package. I felt bad for them that they were out the money for the product, but the fact that they sent me wrong information, didn't contact me for a week, only responded after the bank contacted them, and then misspelled my name and offered no apology helped curb some of those feelings. All in all, the process was easy and reasonable. I've only done two chargebacks in my life, and I think the other took a bit longer but was roughly the same. The bank is doing very rough justice but if the amount is small enough, they just offer it back to the customer as in my case, which was ~$500. If it was a larger amount, I'd expect a longer, more involved process.