Reference pagesReason codes
Fraud
American Express F14: Multiple ROCs
A American Express dispute reason code, what it asks you to prove, and what Do The Proof puts in the response.
What this code means
Denies later charges after one valid one
The inventory records that Stripe attaches this name to F24 instead, so F14 itself does not appear in Stripe's map.
What the network says wins it
AUTH/CE per charge
- Compelling evidence that the cardholder took part in the purchase
- Authorization and processing records
How Do The Proof handles it
Arrives in Do The Proof as: nothing. The sources do not record a label for this code, so a dispute carrying it arrives without one.
How long you have to respond
- Merchant response
- 20 days from the inquiry or chargeback notice
There is no pre-arbitration. American Express is both the issuer and the network, and rules after one merchant response; it may then issue a final chargeback.
Merchants in the FR2, FR4 and FR6 programmes get no inquiry at all.
Where this comes from
- American Express, Merchant Regulations International, 17 April 2026 Read 2026-09-08.
Other American Express fraud codes
Do The Proof drafts dispute responses for Shopify stores. Connect store