American Express Serve

I filed my taxes through Jackson Hewitt and got the refund anticipation loan on my card right away. Well about a month later I find out my account has been permanently closed due to overdraft fees. I don't understand how I overdrafted if there's no money on the card. Now my refund from my federal taxes is supposed to go to that card but the account is closed and they wouldn't help me when I called customer service. Is my money going to be sent back to the IRS or Jackson Hewitt? So stupid. Never will I use Serve again.

Terrible experience. Not one of my bills accepts this card. Closing the card is a nightmare. I had a ten cent hold on the card by a company and it took 7 days to clear. I want to close the card. Now all of a sudden my card has a balance of ten cents. I went to get food and told them to charge ten cents to the stupid card so it has a zero balance. I go to close it and now I have to wait for the ten cent charge to clear. You have to have a zero balance to close the card. It is very difficult to get somebody on the phone from this company. They expect you to deal with an automated phone system. This card is useless for paying bills. I still am trying to get this card closed.

Will never use that card again. I received an erroneous, duplicate charge. Their response was just wait. The charges take forever to be removed. No one even speaks English. Even one just basically reading the same script.

Most horrible experience! Loaded money on this card to treat myself to a birthday trip to Vegas and the card wouldn't work. I called customer service and the first guy hung up on me! The second person told me I have to wait for a permanent one to use my funds! Mind you the price of the flight is steady going up! They ruined my mother's day!!!!

I should have read the reviews before applying for their cash back card. Being a member for a short period of time I have had a lot of experience with their customer service, enough to realize that they do not hire the sharpest tool in the bin. I have tried several times to recoup an extra payment on a bill I paid by mistake... not a huge amount but enough to follow through for a refund. At one time I thought I finally got through and received the extra payment. But lo and behold I received my statement showing I owed the amount I received as a refund. Giving up, I repaid the bill again and gave the experience a lesson in higher education. If anyone should ask me what is in my wallet...it sure won't be an American Express Credit Card.

I made one transaction with a company. The company made 16 unauthorized transactions totaling almost $700. I immediately contacted American Express Serve. They sent to me via email a fraud dispute claim on the 4th of April then they told me it was a billing issue. They emailed me the very same identical fraud dispute claim which I completed for the second time on April 11th because it was a billing issue and not a fraud. April the 19th after several complaints seeking a resolution and refunding me my money that was unauthorized I received another saying dispute fraud form. I complied with all three of those forms in a timely fashion. May 5th I was told I would have a provisional amount equaling the unauthorized amount on my card. What a lie.

I received an American Express Serve Pre-Paid card as a birthday present. When I received it, I looked at the outside of the card package and felt it was OK to put it in my safe and use it at a later date. On the package it said "no hidden fees" and an expiration date of 7/2023. On 4/19/19 I registered the card and asked for the balance. I was shocked to hear that it was at a $0 balance.

Updated on 04/24/2019: Regarding to the dispute process with account protection services of Amex Serve. ****### Update as of today 4/2/19 12:32. California, Orange County. I made another call to follow up with my identity theft dispute process. [Follow up event yesterday 3:45 pm The volleyball battle between the 100% wrong billing and the yes-mieh miao @-"fraud dept." They scored nice. I scored dry (because I'm the ball). For their game. Status document decline. (April, 23, 19). ***#### I gave it another try at 7:30 pm. THE GOOD INSISTED AFTER REVIEWING MY CASE HE WILL DO WHATEVER HE COULD TO GET ME AN ANSWER TOMORROW! (The good might be the wiper).

So beyond pissed. My account is missing 1100 dollars and this idiots don't know where it is. I called to talk to someone and was told I had to send a letter to a PO Box. These people are scammers. I will not be putting any more of my money in there.

4/2/2019. I used the atm located on the Daytona State College campus, a receipt printed that read, "Amount dispensed $0.00. Unable to process the transaction at this time," yet the funds ($600.00) were withdrawn from my account... I contacted both the card owner American Express Serve and the atm owner the Financial Educators credit union and filed a dispute. I was told to allow 10 business days for them to complete their investigation...

Updated on 05/07/2019: American Express Serve stolen card 4-17-19 of $1253.04 plus they denied it 3 times. I hired a lawyer who took my case saying I have a strong case. I'm now in a lawsuit. With Serve with evidence of foul play and proof back office didn't even look into it. They played too much and trying to take money. I'm not alone. My lawyer has 98 open cases against this company as we speak.... He said they are doing what Wells Fargo did to to many people who don't deserve their names. I'm mud and money disappearing. It's amazing that American Express is doing this. Their name always held high trustworthy appeal. Well an employee slipped saying. "Serve prepaid no one cares. People getting this are people with no credit and no appeal." Sad isn't it.

If I could give 0 Stars I would. I made purchase back in February and never received my item from Etsy and they finally sent me a refund only for Amex Serve to hold my 185.31 for 7 days. Apparently they hold any refunds you receive for 7 days even if the company has sent the funds back. Please stay away from this card, customer service is horrible since all calls there are outsourced, then most places won't even accept the card.

Four fraudulent charges in December 2018, 4 months ago, totaling $233.69 and AMERICAN EXPRESS SERVE has NOT refunded my money. I have my original card and the charges were at places I have never been, and according to the FTC, that money should be refunded automatically because I HAVE THE ORIGINAL CARD. AMEX SERVE customer support has you with barely speaking English staff and no one gives a DAMN.

I can't get simple direct deposits. Card seems like a great deal until a DD doesn't go through and they see nothing on their end. Gave them tracking number from deposit, they couldn't do anything with that. Worthless. Also last year 2018 I had my tax refund go onto this card and everyone that had this card couldn't withdraw for 2 days I think! You might be able to google it because people were furious on that forum! So I'm waiting on that deposit and I'm canceling forever and telling everyone I know how inconvenient my experience has been.

I have an American Express card, and after reviewing transaction history I found out that someone used my card to spend over $1,000 without my knowledge or permission. I went through the process of filling out their paperwork, giving them all the information I have, including the case number because I'm pressing charges. American Express, however, is refusing to adjust my balance and they're saying that it's an authorized transaction. I'm all like HOW??? So basically if someone steals your information and uses it to have their own shopping spree, American Express will tell you you're out of luck. I'm better off carrying cash. I do not recommend them, they have been no help at all whatsoever.

First and most important not all retailers accept American Express because AE charges too much to those retailers. 2nd when things go wrong and for no good reason do things go wrong you must call customer service for help. I needed a new card so I called but because my card was no longer good the recording just wanted me to call back when I got the info they needed. Finally I just hit 0 until I got a human. They have the wrong address. Must wait the 10 days before they can resend it. Nightmare because you can't access the money on the card unless you know someone else with the same account. Good luck to anyone that gets this card. My suggestion is Get another card or do an online bank. Much better results.

I received my card in Jan 2019. I have never activated it. Somehow there was $4 on the card. In Mar 2019 Highlights for Children (I have never heard of) charged my card $1. Then they tried to charge $27. I received an email telling me I didn't have the funds for the charge. Well NOOOOO I never activated the card. How can they allow a $1 charge to go through? And allow another charge to try to go through? When I log in it tells me to activate my card. So I know it's not activated. This is nothing but a fraud company now!

This is a horrible card to get. They will hold your money for any transaction didn't matter if it's a charge or a credit. They love to tell you, the merchant is placing a hold of the transaction for anywhere from 7 to 30 days, when in reality it's them, and then they have the nerve to tell you that can't do anything about it until the merchant clears it. That's a bunch of crap. And don't even think about using it for a car rental. They're going to hold your money and I mean hundreds of dollars for a month or longer even after you've received your final receipt and everything.

Thirty day hold on 460.00$ after 582.11 was paid to Enterprise. I rented a car and returned it in March 22nd and was charged 582.11 and a 460$ hold is on my card and I was told I have to wait 30 days for my money? Nowhere did I sign in any agreement that I would allow anyone to hold 460$. The deposit is 200. They paid them the fee. Now I have to wait. This company is a RIP off AND deserve to be shut down for their fraudulent practices. ZERO STARS.

This card is only good if you’re looking to get your paycheck 4 or 5 days early. Otherwise, use another service. You’re charged .75 for declines. Unless you live close to a no fee ATM, you’re charged 2.50 for each atm transaction and .75 for declines. You’re only allowed $750 cash withdrawals in 24 hr. Imagine withdrawing $750 in $200 increments. That’s 2.50 times three, plus ATM fee if it’s not a free ATM and free ATMs are not easily accessible in most cities. Serve card holds refunds and credits, sometimes for over 14 days. Serve held money from a cancelled car rental for 30 days. 30 days! I have proof. From 25 Feb -28 Mar 2019.

I noticed a double charge on my credit card for adding funds to my Serve account. I contacted Serve which was futile as they said they cannot see the charges on my credit card. Fine. Contacted American Express credit card, two days later the funds I had added were reversed, meaning gone, no credit back to my credit card. Called Serve back and rep said they no longer can accept added funds from credit card and they are retroactively reversing these. So now I am out double the funds as I wait for credit card to investigate the issue. I smell HUGE FRAUD!!! BEWARE!!!

Someone used my card for Lyft service. Their policy for the first review is 10 days but it seems like a sham so they can devise a plan to not give you any fund even after 45 days. AmEx I'm disappointed. Where are the lawsuits?

I agree with everyone else. The refund process sucks. They lie and say it's the merchant and they have not received the funds which is not true. Everyone you talk to tell you something different. They all lie and refuse to transfer you to higher ups. Once I get my money back, this will be my last time dealing with them. They used to be okay but tax season last year, this year were awful as well as some of my direct deposits not being on time. Please avoid these people!

While I understand placing holds on funds on a prepaid card for obvious reasons, Serve has a new policy of holding merchant credits for 7 days even after the merchant's bank has verified the credit. For example, I returned an item to World Market on 3/22, World Market issued the credit on 3/23, but Amex Serve is holding it "pending merchant review" for approx. 7 days. So I have no access to the funds. I contacted World Market and they have assured me the money has been returned/credited. So I'm not sure where there is a basis for such a hold.

They will hold your money until they feel like releasing back to your account all the while telling you to contact the merchant. Well I had the merchant on the phone with me and we were both told that they had a 200$ hold on my card and the merchant explained they did not and she even went as far as to resend the final bill and payment receipt to show that nothing was being held by their company, only to have American Express customer service rep to say, "Well the hold's there and there nothing we can do until it falls off in 30 days..."

On Feb 20 I made a 670 dollar payment for my car. On the 25 my car loaner called and says that my check has been returned because I reverse the check. Which I didn't. I have been calling Serve Amex whatever since the 1st of March and they can't tell me anything. They don't see the transaction but they removed the money out of my account. It was not returned to my account. So off to the lawyer's office I go. This is not the first time something like this has happened with them. So now I am looking at a repo because of them. Oh the kicker is when I called them this morning they hung up on me.

Amex/Serve members please beware! This institution takes people money and won’t think twice. I have been a member for 3 years now and today was horrible. I attempted to withdraw $180 from a MoneyPass atm and the atm did not dispense my money but $180 was deducted out my account! I spoke with the bank at which I used the atm and told them of the issue and to run the cameras. I was told to contact my institution, as protocol. I contacted Amex and the representative did not understand anything I was saying, and was absolutely RUDE! I stayed on the phone with them for 1 hour, only to get nowhere! I am so saddened and angry that this happened and I just really don’t understand how this could happen! PLEASE BE AWARE! Do not purchase any AMEX cards!

I’ve been with American Express Serve for many years just to upload money to make certain payments, I finally choose to trust in them to receive my employment direct deposit and tax refund. Someone did fraud on my account $605 dollars a fee. I called and reported it. They told me they’ll send me an email to dispute it and wait 10 days, I sent them evidence that on those days I was at work many many miles away from the location of fraud transactions. For them to tell me I was denied my stolen money. I asked them to please explain why and what “investigation” they did and all they told me was the team doesn’t get on the phone. All I can do I write them a letter???! I don’t recommend this card service to anyone unless you are willing to give away your money to thieves... I am completely heartbroken.

I’ve done business with AmEx Serve for close to four years and I’ve loved the way their customer service were consistently polite, helpful, professional, courteous, knowledgeable, spoke clearly and well mannered. They would expedite all cases. I’ve never left a grievance or a bad review in nearly 4 years. But something is wrong with AmEx Serve when I read the other reviews I couldn’t believe this is the same company. But as of late it is nearly impossible to reach a customer service representative. They are not at all the same as just a few months ago. I’ve decided to take my case to court. I just have no other alternative.

So I only received the Amex Serve to file my taxes. Well my entire wallet was stolen on January 26th. I immediately reported the card stolen. Somehow the person was able to use my card 10 times as credit no pin and Amex Serve allowed it totaling up to $400. So I call highly upset and they continue saying, "I understand." "No you don't." Long story short made me wait 45 days for an investigation just to decline my dispute. I've talked to supervisors managers everyone. This makes no sense. I'm so done with this company. I'm a single mother who's been put in a bind. Thanks to this stupid company. Can't wait to cut ties. DONT GET THIS CARD. WASTE OF TIME.