Serve American Express Reviews

They have locked me out of my account for no reason 3 times in the last 4 months. It takes 3 to 6 hours being on hold to speak to someone. You can only use it at like 2 ATM here in my city and it costs every time you use it so I finally transferred my money to my regular bank account. American Express held it in processing for a month before they released it to my account. Jackson ** forced me to use this service. I would not recommend Serve or American express to anyone. You would be better off going to the zoo and handing monkeys your money. It is completely useless.

This is beyond ridiculous!!! I’ve been calling for literally 3 days now about why the hell my account has been locked! Sat on the phone all day waiting for someone to pick up and all it does is keep disconnecting me like what the **!!! We all have bills and children to take care of. Isn’t this like illegal???? American Express ** sucks and I’m ready to take things further about my money. YES! We have families to feed!!!! And BILLS DONT STOP.

My stimulus check was deposited on a Amex Serve card that was never activated due to me not actually getting a tax refund last year. I did not request that my stimulus check be deposited to this card, but if the card worked, it wouldn't be a problem. My problem is that I cannot activate the card. If the website is working (it only works every now and then), it doesn't recognize my card. If I try to activate it over the phone, I get a message saying that I have to email verify which I don't have an email from them to verify. I have held on hold for over 15 hours just to be cut off. Sometimes it cuts me off immediately and sometimes I wait for 3 hours to just be cut off.

My husband and I received this card back in 2018 to receive our 2017 tax return. My husband and I have filed jointly for years. Had no problems back in 2018, but come 2019/ 2020 the company rejected our state and federal tax refund. We were told over and over this would not be a problem, as he is on the account. I called and waited on hold for 2 to 3 hours, until a rep answered, was very rude, and said "your husband isn't primary holder, order another card with his name as primary holder, take 7-10 business days to receive, and call the IRS to change the information. (Which we all know that cannot be changed once the IRS receives the information of your bank account). Then he says: "Have a nice day". I received no apology, and a quick hang up. So rude!!!

I've been using Serve for a couple years now...I've been satisfied. My deposits are always 2 days earlier than my pay day. I've called customer service maybe 3 times over the 2 yrs I've been with them. No complaints... UNTIL this whole Covid 19 issue. I've been calling customer service for well over a week now and the hold time cutoff is 3 hrs before the phone disconnects. They're 24hrs but it's like only 3 people are working in the call center b/c it's impossible to get someone on the line. There's no way their call center is flooding w/ calls 24hrs a day or the hold times are extended. It would be really helpful if they had an online chat or an email response team. All I need is one question answered that I cannot find on their useless website...and I'm not about to send correspondence or mail my question to them. This is insane.

Have a return credit to my card for $100 from one source auto sales. I call to see when the credit will deposit back into account because it is showing deposited yet the funds aren't available. It's been 8 days now. I call customer service, sit on hold 3 hours only for them to disconnect the phone. I am so frustrated right now because the last rep I spoke with said funds would be available today. Can someone help me. This has got to stop!!

I used the American Express Serve Card to receive my tax return. I had to go away on business and they were shipping my card to my address. I came back from my business trip on March 12th And asked where my card was. They said they had sent it to me on March 5. I said I did not receive it so I asked them to cancel the card. They didn't. I again called and asked where my card was. They said again they sent it to me. They had not. On March 20th I again cancelled my card. On March 25th I received my new card with over 6,000 missing.

My social security is direct deposit with Serve and my card was cancelled and have no money, I’m on heart transplant list and need money for meds, they said it was 15 D. I’ve had card 8 yrs and now this! Old and don’t know what to do.

I tried buying something through Zmercari online as I’ve done many times. My card would not go through. I went to my app and it told me over and over that my password and username was incorrect, it wasn’t, so I waited at 3:30 in the morning for TWO HOURS, to finally speak to someone in India, with not very good English. I was told my account was permanently suspended because I had violated section 15d. I have done nothing wrong, nothing out of the ordinary, NOTHING! So, I asked when will I get my remaining 380.00, she said they will send me a check in a couple of days, from all the other complaints I’ve read, same situation, it could take weeks or months to get your money, pretty heartless company during the Covid 19 period! Hopefully someone can help.

I disputed a transaction from a online unrealistic source **. Apparently this site isn't real. The transaction amount of 53.03. On 02/20/2020. The information which was requested of me I did submit by uploading through the link which AMEX provided. On the day MY ACCOUNT is to be credited THE REFUND the transaction has been wiped out as though it never existed. I still hold proof of the transaction because I held on to my personal records. AMEX may even be involved in many of the online shopping scams that are considered cyber crimes.

I have an American Express card through Jackson Hewitt which I used to receive my tax return. Today I went to the supermarket to buy some milk and cereal for my kids and was told that my card was declined. I should have had more than enough enough to pay for what I was getting so I paid cash and checked my balance when I left the store.

DO NOT USE THIS CARD. THEY ARE CROOKS. THEY WILL TAKE YOUR MONEY. I purchased an American Express Serve card for $3. Loaded money in the card to purchase an item online. The card decline each time I tried to purchase the item. Only to find out that five transactions has already be taken from the card. You must be kidding me. I try to call the damn ** and was on the phone for over 7 hrs they did not answer the phone. When I was only able to get hold of one of the crook on the phone. She does not know what she is saying. They charge $7.00 monthly fees and make other charges on the card on a card I have not used at all.

I've never had a horrible experience exactly but have had to contact customer service, which you CAN'T understand the reps and they don't have a clue what they're doing. Something that really bothered me was we are going through a national crisis because of covid-19 and my card decides to withdraw $5 out of the last $10 I have in my account to cover the monthly fee. How selfish when they are well aware most Americans are going without pay right now! Makes me want to cancel just because of how selfish that is. It's MY money on the card people.

2020 TAX THE WORST. I had over 42 transactions on my account listed out of texas!! I live in North Carolina. I followed their process filled out the fraud form sent it back and they tried the same thing with me like they never recv'd it!!! My total charges are $2609.19 I have been going crazy. They are not even in the states. If I have to wait 45 days I'm going to lose it... People reach out to me if you was able to talk to anyone other than a supervisor or someone local!!! I'm going to contact local police department.!! Because I have seen this same story on this review numerous times. Smh. This is crazy!!!

I have had this Amex Bluebird since 2012 and I have been receiving direct deposits into that account for the last 5 years. About a year ago I had a charge come up for $99.54 in LA, I live in RI and have never been to LA so I called and reported it as a fraudulent charge. I was told if I sign the affidavit and return it within 10 days I would have the credit while they investigate, I did send it in but no credit. When I called I was told they didn't receive it but yet I had proof I sent it. Anyways I had to wait 45 days to get it back, so since it was the first issue I had with them I figured I would give them one more shot!

This is the worst experience I ever had with any company. In Jan 2020 I applied to have my taxes sent to this company's debit card. I was told my card would be here in 10 days!!!! 15 days later no card. So I call and I am told by a rep who is reading a script on how sorry they are that my card hasn't arrived. Give them a few more days and if my card has not arrived call back. Of course, my card didn't arrive so I call back. I sit on the line for 3 hrs for someone to read a script telling me that I have to get a replacement card and I have to wait another 10 days. Now we are in Feb. I wait another 20 days to still have no card. I call and once more I am told how sorry they are that they are sending me another replacement card to replace the replacement card I never received. I wait and wait and wait. Now it is March 2020 and today finally I get a card, for it to be not associated with my account.

WARNING! Do NOT get this card!!!! I have been lied to on at least 8 occasions! Even 2 supervisors! Unbelievable that the very reputable “American Express” name is related to the BS card!! Again WARNING DO NOT GET THIS CARD!!!! Your money will be tied up for days with limited amounts. If you purchase something and need to return it- the credit will show on your account from the original retailer but on HOLD STATUS from Amex Serve saying their bank doesn’t have the money- well how do you know there had been a refund? Because it’s on the account!! Visa doesn’t do it this way, Mastercard doesn’t do it this way! You can tell, even though you can barely understand ALL SERVE AGENTS- they are lying!!!! So embarrassed for American Express!!

This is possibly the worst experience you will have. You will never get anyone truthful enough to talk to. I called about using the account number to pay a bill directly. The customer service lady said it was ok that I could use the routing number and acct number to pay my bills. I repeated the question 3 times and she assured me, "Yes you can use the account # and routing provided for direct deposit to set up bill payments too".

They reported my daughter refund as fraud told to me by the IRS. My daughter was on the sub account.... yet they claim she’s not allowed to deposit her money. Then they tried to tell me she could but the routing and account number is wrong which in the app shows both numbers are the same. I offered to show them and they refused to acknowledge. The rep was rude and the supervisor did nothing. I can understand if they sent the refund back but to send it back as fraud and my daughter is a sub account holder???? I’m canceling this card.

I called for my card to be activated & basically got told they deactivated my card already & sent me a new one when I never asked for that. And again after a month of waiting on this card I can't use it & have to wait on another card which will take even longer for it to come so now I'm out my money on a card I already paid for & now another card they sent out charging me for when I never agreed to be charged for another card. This is not right & I'm contacting my lawyer on this matter. I was stolen from by them by them lying saying I agreed to pay for another card. But thanks for taking someone's hard earned money to benefit yourself!!

I did my friend's income taxes. They claimed mail a card February 3rd. Never received. Call back, ask for a replacement card saying takes 10 days, check email. They didn't mail card til 28th, when you call them can't get through unless you press #### then let you speak someone that plays dumb, act like you can't authorize card on their end, help you get your tax money off card. I'm just frustrated, fed-up American Serve. They are not good debit card company, I will be suing them. That's his tax refund money, acting like take a month get a debit card. Will be calling IRS letting them know how they holding up the refund. Nobody should use them.

My income tax was put on my American Express Serve card on February 25th and I did 2 money transfer from my card to my bank checking account on the same day. It says it takes 3-5 business days for the transfer to go through. I call on Friday and had a hard time getting a representative and when I finally did I was told that my money would be in my checking account by Monday March 2nd. I checked and it's still not there. So I call and get a rep and now she says it would be March 6th. I was lied to and got a different story every time I talked to a rep. They are all from the Philippines and most of the time you can't understand them. They have stolen my money and I will be getting my lawyer and suing American Express if my money is not in my bank by tomorrow morning. They just RIP you off and take your money. I will never use this card again! This has been one nightmare trying to get my money!

I would not recommend this card to anyone. You will wait forever for a phone representative if you call them. Forget about a timely refund from anything, these idiots will hold your money back for 7 days and more. I'm still waiting for a refund from that Airbnb issued to me a week ago and American Express placed a hold on the funds and will not to this day release it. Forget about a real customer representative, they are a foreign based call center just reading a script, so don't expect help. Useless waste of time and your money. There are much better choices I will use after this less than one star experience, avoid the low monthly fee, there is a reason it is cheap. Lesson learned, not recommended at all.

So I have had this card for 2 years or so. I get my refund on here. I'm expecting it in tomorrow but my account got locked today. Because of a negative Bal of .88 funky cents that been there this whole time and the day before I'm supposed to get my taxes y'all lock my account. Now they tell me I gotta wait on higher up to approve the unlock and there's nobody higher than you. Yeah right. This is supposed be customer service though you didn't have solve anything. I will no longer have an account with you guys anymore. Your service stinks.

Serve card website is broken, and when you call to get help they give the round and just keep sending email to create a UID and password. I already done 5 times. I just know my card activated. I same the same issue with two card, this is ridiculous.

DO NOT USE SERVE OR BLUEBIRD. All the calls are routed to the Philippines, and only read scripts to get you off the phone. They will spend 10 hours calling you a liar and doing everything not to help you instead of taking 15 minutes to help you. - Account Protective Services highest level manager can't even pull calls, do anything beyond file a dispute, lock and issue you a new card. The only thing beyond that is to temporarily unlock a card for 1 transaction. They will lie to you, say their terms and service agreement supercedes the laws. When you point out they are violating the cardholder agreement, they say that that is not their procedure and it supercedes everything. Incomm - tech support- are idiots. No supervisor or manager so can't file a complaint on them. Only one female agent had any initiative and integrity in the whole department. I WISH I could get her on the phone.

I will be switching my direct deposit very soon and terminating this account. I have a serious issue and every time I try to call it won't let me connect to a live customer service representative. I wouldn't recommend this card or service to anyone. I made a purchase on last month on the 30th and I can't talk to nobody to see if the purchase has been cleared because the money is still in my account. I tried to call 10 different times today and even from another line. They want to treat this as an credit card but it's not helping your credit and not every vendor accepts they card. I'm so done with this account. Will be switching soon.

Worst card company ever, I called and reported my temp card lost on 2/1. They send me two cards either linked to my account with my money on it. The tell me no one issued a replacement for a card on the 1st (I also called on the 2nd to see if they had a way to access fund during the wait, he confirmed it was shipped). This is after a week wait, they have 0 ways to access money without a card. Now it's a total of 14 to 20 days for a card. They tell me I have to pay 20 bucks if I want it any faster. Like I'm the one who messed up.???

I’m a victim of identity theft Since July 2019, I have reported fraudulent use on my card, have sent them police reports and FTC reports. This is thousands of dollars that I am now out of, here we are February 2020 and I received an email this morning stating that they would not be refunding me any funds. Mind you I’ve sent them everything that they’ve asked for I’m told that I need to write a letter to find out why they will not refund me. I have contacted Their corporate office and was handed off to somebody else, this is sad when I called in I get somebody from overseas, and I’m told that I need to stop lying about speaking to someone at the corporate offices. They have denied 3 times and say they don’t have enough info. I have tried everything possible to get my money back, but no luck.

Let's just start if I could have given it a negative 10 stars I would have!! I have had this card for over 5 years and recently in the last six months has been pure h#ll!! You call to get assistance they deny any responsibility.. You go around in circles with no help.. And to find out they are not even in the US... They are in the Philippines!!! They keep your money.. Won't help with disputes and they are not even associated with the BBB!!! I am going to find me another company asap.. The early pay was nice..But all the headache and strife is not worth it...

My account is locked and have not received a reason why. I reloaded my card as I usually do and when I kept trying to get into my account via the Serve app it kept saying basically that my Password and Username is incorrect. So I kept trying to change it to no avail because I knew that my Password and or Username was correct and couldn’t understand why this was happening. So I called Serve Card Customer Service and had spoken with the Representative and had gotten off the call with at 10:37 P.M. The Rep Said that she will send it to the back office and make it urgent. They will start working on it within the next few minutes. She said that “they may” send an confirmation via email and if they don’t just call back. She said that they locked my account. I asked her why and she said she didn’t know.

Had our taxes done at Jackson Hewitt and was given the option of getting money early, which we needed to pay rent and electric. No one knew what they were talking about because this card certainly isn't free to use basically anywhere. Most of the ATMs dont accept it, you can't check your balance, if you use it at any atm and it doesn't even give you money you pay 10 cents each time, if you do get money off it you pay 3.50 at most banks or 3.00 and you get charged by American Express 3.00. Nothing about this card is free!!! Also a lot of places no longer accept American express. If you get your taxes done and are offered the card it's best to just wait on it.

I am beyond disgusted and upset with American Express Serve. I have had an account with them for over 5 years. My card was compromised and 6 fraud charges were made to my account. Upon realizing that these charges were made, I immediately cancelled my card and requested a new one. First and foremost, you cannot submit a formal dispute until the charges clear your account, so you have to wait 2-3 business days before you can even dispute the charges. Secondly, I couldn't file the dispute until I received my new card which was another 7 business days. They make you jump through hoops to dispute the charges. After speaking to a rep, you have to fill out a dispute form followed by a declaration of fraud. You then upload them to the website where they then begin the investigation.

Purchased a Amex Serve card on 12/11/19 @ 3:44 pm. At around 6 pm I tried to use it for a "online donation" and the card was "denied". Tried several times, but the website kept showing "denied". I Checked the Amex Serve website and it showed the $50 dollars as available. Tried to contact Amex Serve several times, but kept getting the automated "push the number routine" and no one would answer the "Amex" phone numbers listed (Ring+Ring+Ring) --Until 7 pm!! -- The Represenatative said it was "Good to Go". Tried the card again--"denied again"; Tried calling Amex back--No Answer again!!! Then tried the card hourly; and finally at 10 PM it transfered the money. Why did Amex show the money available when it wasn't for over 6 hours. How can anyone get things straightened out when it takes forever and some "luck" to find a way to talk to them. Once they got your money you're at "Their Mercy"!!! ---NEVER AGAIN!!! -- Tim **

On 12 Dec 19 and 14 Dec 19 they allowed fraudulent transactions to occur, sending my money to a company called Zomato. Zomato appears to be a food delivery service in India. I called and had to argue, but the money was reinstated to my account. Further, that credit card number was CANCELLED, and a new card was to be issued. On 21 Dec 19, five days AFTER the credit card number was cancelled, American Express authorized six more fraudulent transactions, transferring $44.04 out of my account to the same Zomato in India. How is that even possible after the first complaint, and after the credit card number was cancelled???

First of all, I've had this card four years and never started experiencing these issues until the last three months. It's just been one thing after another. I can't tell you how many times my direct deposit wasn't deposited on time. I called customer service and they did the blame game: "contact your employer." IT has nothing to do with them! It's YOU, AMEX! I was the only person who hadn't gotten paid AND I split my deposit between two accounts and those small amounts were in my accounts at the other financial institutions ON TIME! The nerve! It happened again today and I promise you I will be stopping my direct deposit from going to this card ASAP! ** is ridiculous!

My mother purchased this card as a 'gift card' for my daughter because Walmart put it with the other suggested holiday gift cards. She wanted her to have an account that was reloadable and similar to a bank account so she thought it was perfect. She added 100 dollars to it at check out (where she also simultaneously purchased 5 other gift cards), wrapped it and thought that was it.

Had this card for a few years and now their customer service is not good. Card is not all that good either. They run the card for trans that I didn't even make and then trans that I did not even authorise and then they will not help out with the trans and dispute it. I am working on changing the card to another company that cares. I will warn all you that see this. Stay away from this card and company at all cost.

So I got my card yesterday through Jackson Hewitt and everything was fine until today when their system was down. Told it was gonna be down for 3 hours, ok no problem. 4 hours later still down and so I call, they say, "Sorry we dont know when it will be back up." Call back 2 hours later, "Oh it will be 6pm now." Nearly 10 hours later than what they said. They said, "You can still use the card," nope, sure cant. Have had my card less than 24 hours and couldn't even use it. Finally around 7pm the system was up. Wont be using these guys or this card ever again. Awful way to do business. From reading other reviews, sounds like it's issue after issue. If you get this card, better max it out or take all the money off of it, or you could be without money for awhile if another "glitch" happens.

I use to swear by this card, loved getting my funds early, and enjoyed the wide selection of atm’s. However this company is deceitful in their customer service practices. They are rude and will directly tell you “oh well” when their systems do down and you can’t access your money. They take forever to release holds on funds so hope you don’t need that back any time soon. All and all, you can find a better card, this company will leave you out of luck paying late fees and return item fees simply because their systems go down or get compromised and they do nothing about it while your bills get further and further behind.

Just got my advance deposited on the AMEX Serve card. Go to use it and it's declined. So I go online and find the site is down. It even says, "You can still use your card though!" Yea, no. Called customer service and they are saying the entire system is down until midnight. Why the ** do I have to wait for MY money so you can do repairs to your system right before X-Mas? Terrible service. Avoid at all costs!!

I've been using my Serve card for over 5 straight years, with absolutely no issues at all. That is, until today, 5 days before Christmas. I get my checks directly deposited onto this card, and I've been holding out for this check, the last one before Christmas, to do all my shopping. Since I worked a ton of OT to help out some! So I leave work at 230am and go straight to the store to do some of the shopping, spend 3 hours doing that, and scan all my items at self checkout. (Only thing open that late lol) My total was about $200, mind you my check was over $1000 so there would of been zero reason for my card to say declined at the terminal!

Errors take days to resolve. Customer service literally told me they don't care if I cancel my account. I have to wait 10 days right before Christmas to get the dispute team resolve an error the merchant has already admitted. My advice is use a regular bank for transactions. American Express is HORRIBLE! Look at all the poor reviews.

Early on the morning of 12/9/19, I returned a purchase of $106.23 to the local TJMAXX & monitored my Amex Serve card online for my refund. On 12/11 the funds were listed as being "held", & when funds still weren't returned on 12/12, I called AmEx. AmEx insisted they'd been notified by TJMAXX on 12/11 that TJMAXX would be processing the refund, & TJMAXX had 7 days to do so, until 12/18. Throughout this phone call with two different customer service reps I had a very hard time hearing them, despite my in-call volume set as high as it could go, and had difficulty with their accents; almost as if they were deliberately being as vague as possible. Despite MY BEING DIABETIC, & HAVING NO FOOD OR MONEY FOR FOOD, THEY REFUSED TO RELEASE MY FUNDS. I told them I'd be posting this review and filing a complaint with the CONSUMER FINANCIAL PROTECTION BUREAU.

I can’t tell you how rude/evil/ dishonest American Express is. I contacted & cancelled my card almost two years ago. They continue to come up with phony charges with the hope I will overlook & pay. Happens almost every month. Each time they tell me how sorry they are and it will never happen again: then it happens. I suggest everyone switch to the Chase sapphire reserve.

I’ve had this Serve account for a couple years with no problems, then today I attempt to use the card. It declined. I called CS and I’m told, "Your account has been closed due to a Technical glitch when you opened up your account," that’s all they would say except, "We will mail you a check." Straight BS. On top of that I have another large deposit that’s trying to be deposited into that account. Now I’m stuck until that deposit is returned to the depositor. 3 weeks before Christmas.

My card was hacked 3 times already. Only occurs within 2 hours when my direct deposit is available! One transaction was for 20 cents then $30 bucks then $900.00 on Saudia Airlines!! I don't even have a passport!! AMEX is saying they aren't responsible so I'm fighting with the airline to refund. It's Thanksgiving day. No one cares! My birthday trip to LA is now ruined! I have no money. And this company could care less. I can't even understand these people from 3rd world countries. I understand they are making a living but stealing & selling info from hard working people is not the way.

I have been using Serve card for more than 5 years. Just about last night, I logged in to my serve account to transfer funds to my sub account to pay bills and was surprised seeing message upon login that my account is locked for security reasons. I called on the given number and was told that, "Due to system upgradation we were unable to verify your identity." I asked whether if they tried to contact me or sent me some kind of email or letter to which the representative on the call replied, "Sir I can't tell you anything more than that." What a surprise that was for me. Worst company ever honestly.

This is the worse prepaid card I have ever had. American Express served restricted my account now. Wont tell me why or how I am going to receive the money that was left in my account. They say there is no one I can talk to about this matter. No one I can email either. I have to write a letter and some one will contact me. No time frame. I am furious. My rent is due. My whole work check is on there. My uncle sent me money to save for him. I am so mad. This is not the card you would want. Customer service sucks. They barely understand and they always says there is no supervisor on shift to talk to or no matter when you call.

Wallet!!!!

I went to withdraw money from an atm. I can only take 200 at a time at this atm. I started the transaction and got an error that said the card was restricted. The money never came out. That never happened before so I thought nothing of it. I tried again and got 200. Then I was able to take another 200 for a total of 400.00. When I left the store I checked my Serve balance, it showed 3 transactions of 200 each. So I was cheated out of 200 even though the first receipt said it was blocked. I called the atm provider and gave them the receipt information and they confirmed it was blocked by Amex. They didn't authorize the first transaction.

This is not a good card to get. I was on the phone with an agent & especially told him I wanted expedited shipping for my replacement card. I called back & was told that it would take 7-10 business days to get my replacement card so I have to go 2 more weeks to get my money off of my card. Do not get this card. The agents in the Philippines aren’t helpful. They don’t understand anything, they’re just useless. I opened a BB&T account to have an actual bank. They lost a customer due to their lack of concern & active listening to the customer.

On 4-01-19 Fraudulent charges, disputes declined. New card mailed out. 5-1-19 New card suspended fraudulent activity. Told they would mail me a refund check on my balance of 1050.00. 6-01-19 No check, said they had to resubmit request to review account and unlock account. 7-01-19 Waiting on the re-submitted request to review account. 8-01-19 Called still no refund. My account is still waiting on review from American Express to Unlock. Called American Express, was told that they have nothing to do with serve and Serve had stolen my money read the reviews online. I did and I have been sick that serve could do this.

Why are there so many bad reviews with this card. I've had Serve for quite a few years now and have never experienced anything like the reviews claim. I have had issues like others but always have had 100% resolution. My card was used fraudulently and cust. service took care of it in a very professional manner, refunding my money and sending me a new card immediately. I dont understand why there are so many negative comments. I mean, I cant be the only customer out there that receives such awesome business from Serve, Right?

When I first received this card 5 years ago, I was so happy with my Serve card. Customer service was actually in the UNITED STATES and they were GREAT! Diligent and responsive. But now for the past couple years the reps are now in the Philippines and they DO NOT assist their customers at all. In fact they lie and will hang up on consumers. Whenever there is a "credit" being put back into my account, AMEX now (they did not use to do this) put it on a merchant credit review hold for 7 days! Yes it’s inconvenient, but it was not until a credit I received…. was a credit I needed IMMEDIATELY.

For the time on hold and the guy that hung up on me I wish I can leave no stars. For the lack of help offered by the so called customer service department they owe me stars! The lack of professionalism with this company is astounding. I can't believe they are still in business.

I've had this card for several years with no problem. I use it to make purchases online or in person when I don't want to expose my credit or debit cards to possible fraud or theft. I set up a sub-account for my mom, so I could put money on it so she could buy herself lunch when her senior group went out once a month. This morning I woke up to find an email stating: "During our recent review of your American Express Serve® Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. As a result of such activity, and pursuant to Section 15(d) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended."

I returned an item back to Neiman Marcus in the amount of $201. I check my account to see it it had been credited to my account. I called customer service, they told me that it needed to be placed on a hold for 7 days. I said ok,even though that’s a little weird. I see that they have it posted that it’s on a hold on the online account. I call back 2 weeks later asking about my money. I was told that the money was posted and returned to my account. I point out that it was not returned and it can be seen by looking at the account. Nothing at all on my transaction page says one thing about a return of $201. However they have removed the transaction showing that they had the money on a review. I am beyond furious. If I have to call regular American Express to complain everyday I will. They didn’t even give me anyone to complete a dispute with. I have had this card for five years. I hate this company. They are basically thieves.

I lost my Serve card on August 28th and called in to cancel and request a new one. I was assured by the rep that I would have a new card by September 11th. I randomly called on September 3rd to ask about my account and the rep tells me that no one has placed an order for my card and she would place the order for me. I asked the rep when would I receive my card and the answer was by September 17th!!! Basically two weeks away. Even after explaining the situation the rep did nothing to try and resolve my frustration. At no point did they offer to expedite a new card to me and cover the shipping.

American Express Serve Won’t Gives Me My Money Back. I Didn’t authorize a transaction $54 At Walmart. I Didn’t authorize that transaction. Some One Take My Card And Used It And I Did call American Express Serve And I Let Them Know What Happened And They Did Send Me A New Card But They Didn’t ReFund Me $54. That’s All I want them To Do. They Are Not Doing That. They Told me that they can’t do that because it’s A prepaid Credit Card. That Does Not matter. I Should Get Refund.

There was a fraudulent transaction on my account and I filed a claim with Amex only to be told 10 days later that the charge was valid??? Wth?? They filed my claim incorrectly 3 times all done by so called supervisors. This company is a rip off and a bunch of liars giving you the runaround because they don't want to refund your money. They make you give at least one star which is b.s. They deserve no stars.

I use this card for my kids to use Lyft for sports practice without having to use my debit or credit cards. I added my debit card as a funding source during a move. So my debit card had my new address, but I hadn’t updated with Serve yet. Then it was locked. I tried calling several times, but after 45 minute waits I didn’t get through until almost a month later. They said they needed to verify with my bank. So we called my bank together and my bank verified both the new and old address. I asked them to make the new one my address. So, then we hung up with my bank and serve said, “Well now your address doesn’t match so we are permanently closing your account.” Over an address that was verified by my bank. The customer service representative was rude and condescending. I don’t understand the logic behind this decision at all, but I especially don’t understand how a company is ok with their customers being treated like that.

On July 16, 2019 I filed 2 disputes for charges from PayPal, one for 18.00 and one for 298.00. They were both at the same time and same transaction. One was for shipping and other for product. In 2 days Serve gave me the 18.00 and closed case. I am still waiting for the 298.00. They say I would get provisional credit while they investigate and still have not. They gave me the small amount and now still investigating. How can you say the postage to ship the item was fraud but not the purchase. This card needs a class action suit. Losers and worst card.

I bought this card to pay my cell phone bill. I was out of state and my bank was not local. I added what the cell phone bill would be plus a few extra dollars to assure I could cover bill. Well immediately after buying the card they charge me a 6.95 monthly fee. I already paid 2.95 to buy card. What the heck. And I can't pay for anything online. This card is garbage and they've robbed me of my $. Will not buy again.

Worst card ever. Don't get it. Had it for 1 yrs and has given me more problems than a little bit cost you money even if you're getting DD and customer service is horrible. I have been waiting on a refund for 2 weeks now that merchant said was released and they keep telling me it's still on hold due to merchant. This is the 3rd time they have made me wait for my own money.

I used this card to send funds to my kid. The app lock you after 30 days. To reset the password you need the card but I do not have the card on hand because I do not use it. I called customer support. The system ask you for your SS but do not recognize it. Then it ask you for your full card number. If you do not have it they hang up the call. The only way to get customer support is to say you lost your card. Then they answer in Asia and they told me that they cannot unlock the account without the full number. I asked for a manager. Manager unlock the account and my password was working again but he did not knew what he did because he said he cannot do it without the full number. Also he told me that is normal that the phone system to not recognize my SS number. The only perk of this card is that you can add limited funds $200 max from your regular AMEX cards. For the rest is a terrible card and terrible CS.

I received my bi weekly direct deposit at 8pm. Some time after midnight someone hacked my account and sent my entire check over 1200 dollars to 3 different people. I called and all they tell me is it's under investigation. Now my rent is past due and I'm going to lose my apartment and they don't care. I get no answers from them other than they'll call me Which they never do. I'm filling a lawsuit. I can't believe something like this can even happen.

45 days then nothings. I'm talking to 4 different guys some call center. CAN'T SPEAK ENGLISH. Telling me under investigation. So tired of this **. AMERICAN Express not Filipino Express. Worst company ever.

American Express Serve suspended my account 1 day before I was to receive my direct deposit. I asked them why and they told me they can't tell me and told me write a letter. Be warned. Don't do it. Customer service is paramount. I don't have any food left and now me and my family will be hungry. I don't know how long it's going to take to get my check in the mail. I feel so disappointed.

I bought this card two years ago for a disabled friend so that he wouldn't be without cash. It never got that far. I was never able to activate it. Despite repeated requests for assistance from the staff, the card was never made valid. The scam comes from paying upfront, and then finding that i) what you paid for doesn't work, and ii) asking the company for help is useless. After 50 months of American Express taking a dollar from the card, it had a zero balance. I finally got through today... I had to hit 0 a bunch of times and fake out the phone tree... They said "well the dollar payments were valid, but we only take money if you have a positive balance". Translate: we only take your money for this product which has never been functional as long as you have money left to take. I asked them to cancel the card and never bother me again.

I have been trying to cancel this card for 3 months. Every month they take 13 dollars monthly fees and I am -30 some dollars in hole ONLY CAUSE OF SERVICE FEES that I tried to cancel. If the darn card has been lost as I told them why must they keep adding and adding. Plus I never added a single penny to it again. I refuse to feed them my money.

Having to speak with the Philippines with bad scripts is just awful. Never get results. I specifically asked for someone in the United States...each time, they refused! No one there can help. Amex stole refund check. My card got lost. Never activated it. Never used it but they charged fees until there was nothing left. They said loading it to a card ate the fees up. What???? You add super friendly Filipino people to an extremely frustrating call just makes me more mad. The government already takes lot of my money! The refund was small, not thousands, heck not even $100. It's the principle of LEGAL theft!! Horrible horrible horrible!! I will never use Amex or any subsidiary again. No travel, no nothing. If I conducted business like them, I would go bankrupt! I wish your company goes bankrupt. Every tax season, I will share how horrible your cheating business practices are. How many people have you done this to????

First, I would like to state that this is not my first time getting hacked, but the last times were low amounts that I was able to wait for the provisional credit (that took 3 weeks) but this time, It was hundreds of dollars that was stolen from me. I was hacked on June, 28th, 2019. It is now July, 12th, and I have not received a provisional credit. I was told that a decision for me to receive a provisional credit will be made on 7/16, which is absolutely ridiculous. I was also told the investigation will take 45 days, which is fine as long as I have a provisional credit, which I have yet to receive.

MISPLACED my card. Didn't lose it! While continuing to look for card or card # I let them know I wanted to make a wire transfer to pay my bills. Finally I said they could send me another card EXPEDITED to me using my same acct as I know it wasn't used. I'd still have the opportunity to use it when I found it. Most reps got the message. Except they cancelled my acct. leaving me with no options! And sent a replacement card standard mail! Then I find out it wasn't even sent to 2 days later. I am late on my rent and other monthly bills and won't receive the card for over a week! I had all info... Social security #, account ID, date of birth, security question, and pin number. Even my email account where they know I was receiving their emails! Kept telling me I could transfer money to someone with the same card. I know zero people with this card!

I have been with Amex for about 3 years. As of late, I have had to file disputes and recover money by threatening to sue them. Well, it has come time for everyone dealing with this company to get a class action lawsuit. From reading these reviews, it is common practice for Amex to lie and steal. Recently, I have been a victim of the merchant credit hold for review scam. Why are you holding on to our money and blaming it on the merchant. I contacted the merchant and they told me that once my money has been refunded, they don’t put a hold on it. It is my bank (Amex Centurion) that holds the funds. My credit was requested May 31st, refunded June 5, and now on hold for an additional 7 days. Why?

The Harrods American Express charge card, was offered to me by Harrods. As it seemed beneficial, especially with the bonus points. Upon receiving card, I called American Express to make enquiries on how to go about using card. I called two - three times just to clarify. On each phone call I was advised there’s no limit, though no limit I requested to set a limit. Which was done. However, within the first month of using the card, it had stopped working. At this point I had only spent £200 and was told it’s General ‘credit check’. They required payslips and bank statements which I had given along with further three years p60.

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.

At first, they were great. They charged $2.95 upfront, you were able to refill for free as needed (as long as you were going to put $20 minimum on it), and there were no other charges. Lately (for a while now), you have had to buy a brand new card every time instead of refilling for free ($2.95). This would not be that big of an issue, if it wasn't a refill card. So, when I buy, I expect that.

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.

I went and bought a $10 American Express Serve card for my niece's phone. The card worked the first time then the card was declined on the second payment. Which the money is supposedly sitting on the card. I have called the number and it's now a sweepstakes hotline! I have had this problem numerous times. The last time it was almost $2500 from a school check. They need to be shut down.

I paid my deposit for my apartment then I get a call asking why did I reverse the payment. I told the manager that I did not reverse any payments. Called customer service to ask about the reversal. This guy told me that I would have to wait 7 to 10 days. This is the second time this has happened. The first time was when I paid my actual credit payment which was reversed and my credit card account was closed because of this reversal. They need to stop issuing these cards!

On March 7th I requested 380.00 dollars from an authorized ATM but, the machine denied it although American Serve took the money from my account. I have receipt showing the money was never dispensed and every time I call I am put on hold for up to 2 hours and then told they have no record. Even though I have proof they still will not return it. They are a huge fraud. DO NOT USE THEIR CARD.

Starting in December 2018, I found numerous transactions on my American Express Serve card that were not mine for hundreds of dollars, reported them, and was denied getting my money returned. I had evidence proving it wasn't me but was denied. In January 2019, it happened again. Those were in 3 different states on the same day. Impossible for me to have done. I was just denied again. It's outrageous. The card can only be used as a credit card and not once have I signed or been asked for identification to protect the account from fraudulent use. I've called and been told to write a letter asking for what evidence they have I wasn't using the card. This is just my first public letter. Many more will be sent. American Express has no idea the lengths I'll go to have MY money returned.

My first complaint is that it so hard to reach a live person on the customer service line on the back of my card. My second complaint is that their representatives do not know squat about the card. Now I am having the same problem as everyone else - I pay a bill and it gets returned if I do not use the Serve.com site. If I pay on my credit card sites then the payment is rejected and I not only do not get my bill paid but I am charged $50.00 each for a returned payment because it did not go thru.

I paid 2 bills online, and ordered an item using American Express Serve. Now the companies that I paid the bills to are saying my payments were returned but where is the money that was deducted from account! I used this card for my tax return and the fees are also ridiculous. Will never use this card again! Now the electric company and the cable company want their money but where is it at?

Call March 3rd. My information was stolen and my card was used in Guatemala. I'm in the United States of America. I called in and let the guys know that that wasn't me that process those transactions. They told me to call back once the transactions have been went through so I call back once the transactions posted to my account. I opened up a dispute for nine transactions because the other two didn't go through. There were 11 transactions in all. When I opened up the dispute I was told it can take up to 10 days.

I have four charges on my card back to back for one shake. They are unable to do a chargeback although I’ve had debit cards before that do a chargeback in seconds. Was told if it doesn’t drop off in 7-10 business days (two weeks which is when I get paid again and live check to check otherwise wouldn’t have this wack debit card) THEN they can dispute. Which could take up to 30 days. So I ordered a card through Card.com. Literally changing my direct deposits as soon as it comes in and AmEx is going in the trash. For a card hardly no one wants to take for payment. You’d think the company would want to keep the few who fool with them. They obviously don’t wanna keep me so I’m not gonna force it. As soon as my money is returned our business relationship is OVER.

We filed our taxes through Jackson Hewitt. Elected to use serve card for the first time for direct deposit of refund. IRS sent refund on 27th of Feb. Still nothing on card on March 7. No one answers the phone! When they do they hang up or send back to automated line!! How have they not been shut down yet for Fraud??? How long has it taken others to get refund on card after IRS said they sent it???

I received my tax refund on my serve card in a timely manner, however I went to purchase gas, swiped inside of the store and it said invalid transaction, card not recognized. First thing I did was go to an atm to withdraw money and see if my funds were stolen. It let me withdraw money, so then I went to a fast food restaurant and tried to pay for my order using the card and it said the same thing. I was so embarrassed another customer offered to pay for my meal. So once again I go to an atm and called to check my balance on the card. I’m not sure why it’s not letting me swipe and purchase like a regular debit/ credit card??? So to anyone that this may help and save the embarrassment, just withdraw the cash because the card won’t allow you to purchase anything.

Ok so I have been a Serve customer for over 7 yrs now. Never had a problem with getting my funds back in a timely fashion when I returned something until now. I just got the shock of my life. Serve is holding my funds for 7 days like it fraud. Heck they are retuning my money and you are giving me holy h to get it back. I will not be using Serve again. Keep up the horrible job and others do not use them. Guess they need the interest of hold peoples money for 7 days without a real explanation.

I have had a good experience with Bluebird for many years now. I got my tax refund sent to my account. Within hours someone had taken over my account and spent almost 4400 of my money. I asked how someone could access the account with out verifying security question date of birth social seurity number or the adress and phone number to the account. They changed everything on the account aside from the username and card number. When I call to figure it out then I have to verify my information several times in order to even file a report.

I had my tax refund sent to the card they sent me and in less than a day after I received my refund, my card was hacked by two individuals whom I DO NOT KNOW nor did I AUTHORIZE the transactions. I IMMEDIATELY call and open an investigation and was told it would take 10 business days to be completed. Two days later I am advised through email that my investigation was declined. WHAT? I IMMEDIATELY call and was advised I could write a letter to appeal. Well I went a couple of steps better after writing a letter. Filed a complaint with the BBB against them. Filed an online FBI Fraud report against Serve and the two individuals and filed a fraud police report with my local police. This company is a complete JOKE.

I CALL American Express Serve on January 13 2019 to report a unauthorized charge of $3.16 from Foot Locker. The representative told me that they would lock my account until I am ready to order a replacement card, but if I needed to access my funds I can give them a call. On Feb 15 I called to gain access to my funds so that I can pay a bill and have then have the card lock after the transaction was completed. Come to find the negligent representative never lock the card and now 640.00 of my hard earned money has been stolen off my card for a gas station purchase. American Express Serve does not take responsibility for their product or the negligence of their employee and now I’m getting the run around on if they will give me my money back. Don't walk, run from this company. They are frauds.

I was a customer for over 3 years until this 2019...turns out American Express Serve gave me a whole new routing and account number with informing me they were doing so, upon me doing my tax return come to find out they changed my whole account. Now there's a big delay in receiving my taxes. Very disappointing, was never informed not one single email!! I will be closing my account with them and moving on to "Chime".

I had my card stolen a week ago. Someone had charged my a card a “mere” 14.86. I tried to call and get my money refunded. I was hung up on! I also was supposed to get a refund on a movie I did not go to. There is no way to send documentation to prove I was supposed to get refunded the money. I got this card because I did a refund advance on my taxes. Thank God I have a checking account. Once the money comes in on my Serve account, I will be transferring it to my bank and cutting up the card. Customer service is rude and a joke!!! They don’t listen!!! Do not under any circumstances get this card!!!

Today is February 13th 2019. I made my claim on February 03 2019. I had a 300$ fraudulent charge from Kids Foot Locker on my card. I have never shopped there, Never lost or misplaced my card. I call them up and they tell me to fill out the fraudulent charge form. I do as I am told. Turn in the forms (online). Everything! I receive an email saying they will get back to me in the next few days. A few days pass and I call them up. They tell me the system is down. So they can’t check the status of my case BUT I have to wait 10 days from beginning of the case to receive an update. (If I will be temporarily credited backed if the investigation has to go further etc.) So I wait exactly ten days from the day and I call the customer service.

Today is February 13th 2019. I made my claim on February 03 2019. I had a 300$ fraudulent charge from Kids Foot Locker on my card. I have never shopped there, never lost or misplaced my card. I call them up and they tell me to fill out the fraudulent charge form. I do as I am told. Turn in the forms (online). Everything! I receive an email saying they will get back to me in the next few days. A few days pass and I call them up. They tell me the system is down. So they can’t check the status of my case BUT I have to wait 10 days from beginning of the case to receive an update. (If I will be temporarily credited backer if the investigation has to for farther etc).

Take heed!!! Do not purchase the American Express Serve card. I returned a purchase to a local dept. store over 2 weeks ago and they will not give me my money back! I am a single mother & I cannot afford this. It amuses me because every time that I call, the representative will say, "I understand, but you can't have your money." They are thieves! They will steal your money from you!

On February 4, 2019 American Express Serve company locked my card and access to my account and said it was due to fraud. When I called the representative said something about the card being linked to another person's account and immediately cancelled my account and said they will not issue a refund of the money in my account which was $230. I also saw a fraudulent charge of $150.00 from a gas station Racing Mart that they didn’t resolve or answer. I then asked to speak to a supervisor resulting in the representative putting me on hold then hanging up. When I called back An automated system said my account was closed and hung up.

Worst customer service out there. If you want to have your account access revoked after you report a fraudulent charge this is the card for you. If you want to wait on hold for hours speak to a supervisor and then have them hang up in your face many different times then this is the card for you. If you want to call the automated number after they revoke your access and still have all your money and be hung up on this is the card for you. Horrible service. They've stolen my money. I can't get in touch with anyone. Run run run from this company. Don't look back. Wish I could give them negative stars and the bird sign.

I somehow made a duplicate payment on Amex Everyday. I wanted to the minimum but by accident hit full balance which was $4,400. I was shocked then next day got a email stating payment was declined! I called in. They explained that this take var will attempt 3 times before stops. They told there is nothing they can do. I just signed up for auto pay and I regret this completely. I have been with this card for 29 YEARS and this is what I get. I will care of this mess and I will cancel this cards. This will affect my credit in a negative and they could care less.

I have used this card for three years and never had an issue until today. My direct deposit which is usually on my card by 4:30 is still not available at 10:00. Customer Service says they have no record of my deposit from my employer but I know that’s a lie. I have called 4 times and gotten the same dumb line (after waiting on hold for 10-15 minutes) time and again. DO NOT USE THIS CARD!

In early December I lost my card. I phoned for a replacement, was told it would arrive in 7-10 business days. Card did not arrive. On December 23 I phoned customer service (CS) to find out what happened. CS reported that card was deemed undeliverable by USPS and returned to AMEX. I asked what address it had been sent to. CS informed me that it had been sent to the address of my ex-girlfriend. I informed CS that was not the right address. I immediately suspected that my ex-girlfriend had accessed my account, because I had never lived w/ her, nor had I ever used her address. The only reason that it was sent back to AMEX was because my last name was never on her mailbox. CS agreed to send out a new card to the correct address. I immediately accessed my account online and updated my password, security question, and email address. I'm sure these changes would block any access my ex-girlfriend might have.

I recently just spoke with Pearl from the dispute department from their call center with regards to a transaction that I made online that was fraudulent. I bought a bag online using my Amex Serve and my order was never sent out and the seller is missing/deactivated or banned and could not be found on the website anymore. Tried contacting the website itself multiple times and no answer, contacted Amex Serve and they said they could not do anything because I have to wait 7 days after transaction was made. I asked PEARL why customers need to wait 7 days before AMEX does something regarding a FRAUD and all she says is it’s policy and could not give me any other explanation or proof where it states the said “POLICY” that customers need to wait 7 days before they are PROTECTED from fraudulent activity. Customer service is such an utter disgrace AMEX.

After reading reviews I've come to the conclusion that there's really something going on with Amex Serve. I too had money on my card and poof it was gone!!! Where the hell is it? THE CARD HAD transactions done in NJ... Meanwhile I never visited NJ... Customer Service Fraudulent Dept. says they can't do anything cause charges are pending. One of the charges were at a gas station (I don't even drive). They said a card was present... huh??? I had my card the same day they made all the transactions on it (while I was working nowhere near Jersey).

Updated on 01/15/2019: Recently I wrote a review about American Express Serve, my card was hacked and my tax refund advance was stolen. They emailed me today and said that they declined my card charge disputes. Therefore $2,500 was stolen from me.

The card was excellent for the first 6 years I had it. The past year has seen meltdown after meltdown. They can't post any Direct deposits to any accounts for almost a week and offer no explanation or anything beyond a useless Twitter account and form letter saying they are sorry and working on it. Then the app is offline. Problems with deposits, AGAIN, and through it all getting ANY information has been impossible. When the problems come up, they put the phone system off the hook. Not even an email address is offered to contact them. Just a PO Box or absolutely worthless Twitter team. I used to suggest AMEX products. Now I completely warn against them.

I've been using AMEX Serve for 2 years. Have my paycheck DD & never had an issue until now. My last 2 checks the money is gone (not due to any authorizations from myself) & they are refusing to tell me where the money is & when it will be released. I've been hung up on 7x today alone (& I'm on hold again now). I've gotten 4 different stories this afternoon. In fact the last supervisor I spoke with (Marah) stated she not only couldn't answer me but wouldn't answer me nor would she allow me to speak to anyone else saying she was the only one person we could speak with.

I got a call from the front apartment saying that summer using my card over in Miami Florida for $415. I never spend a hutch on the card ever. I would be caught got a call back before it was spent by Chase. They were great. Anyways I called him back. They started their investigation. I couldn't believe what I went through. I would take lunch breaks not eat and be on the phone with them. I be on the phone for 2 or 3 hours at a time just going all my gosh dream.

Been an Amex Serve customer for almost 5 years and never had any issues until 2018, coincidentally after Amex decided to sell off the business to InComm. I have a normal bank checking account but liked the fact Serve deposited my paycheck almost 2 days ahead of my regular bank and no overdraft fees etc. Well those benefits no longer are worth it after the litany of problems Serve card members have been experience the last 2 months or so. From the constant downtime on the app, to occasional declined transactions when money was available and recently a fraudulent charge (It was only for $5.23 but that's because I rarely left money in main account always in reserve, the charge took whatever money was available).

Like others have experienced here, I have a refund on hold for "merchant review" for my supposed safety. I told them on the phone that their reasoning sounded like a fishy excuse. Since this had never happened before, I had not anticipated it, and the result is I now have no money until at least three days after Christmas. I guarantee that with all the purchases and refunds due to holiday shopping, they are making money off the refunds being withheld from customers.

Really pissed off about this, they have like 20 phone numbers and all of them are for the same...automatic information, my account is locked, I can't talk to a rep! Also my reserve account and main account, for some reason appears to be like new accounts, I do not see my money on them, instead I see $00.00 on both accounts. I have $80.00 on my reserve which I can't use or transfer to my main account because it says $00.00. I'm going crazy here...any help or a direct phone number I can reach???

12/19/18 1st time customer for Jackson Hewitt early partial tax anticipation loan to go on Jackson Hewitt-AMEX prepaid card. It is a loan that will be taken from my Tax return. I went to the local office in KS. I took all my ID and paperwork. I was early. I chose the money to go on this card because I was told I would get an email or text letting me know it was available. I had a lot to do that afternoon. I checked for text and emails. Did not get any (even checked junk mail). I called the number on the AMEX card. It said the money was there. I decided to try the card on Thursday 12/20/18. I tried to use it to buy one item. The card's magnetic strip did not scan. There was no choice for the cashier to enter it manually.

For a little over two years now my Partner and I have several AE prepaid accounts. Lately it seems like every other payday (Thursdays) we have an issue accessing our deposits, requesting money and sending money. This issue is not only within their app but when logging online via the Web. After entering in credentials we are prompted, "We are unable to complete your request at this time. Please try again later. We do apologize for the inconvenience. If the problems continue, please call customer service at 1800-954-0559." Even after calling several times the issue is never really resolved in a timely manner; sometimes we have to wait later on in the evening (night) or even the next day which is very inconvenient especially when there are bills to pay. It's very annoying. Though why every other payday? It's like their system is on a schedule to fail. It's ridiculous at this point.

I have utilized American Express Serve - Prepaid Debit cards on several occasions, due to the simple fact that I do not wish to have a Bank Account. This, of course, is my choice and I need not follow what everyone else is doing to know genuine rights to be afforded to people... which is a right to transact without negotiable instruments that create bonds and debt and hindering policies unreasonably... I'll leave it at that.

I was one of the New Accounts Rep who launched this Serve Card back in 2012 from their Phoenix AZ corporate office. We processed over 700 new accounts from Facebook users alone. Reading all these complaints makes me sad but at the same time, I too have had my fair share on experiencing their horrible customer service. A $249.99 charge suddenly popped up in my account on Sunday 12/16/18. I called AMEX Serve right away to report a fraudulent activity on my account and was told that the Fraud Dept would not accept my call because they don't THINK the transaction was a fraud because I have dealt with this merchant before in the past. My account is left with $16.92 available balance and I was told I need to dispute with merchant directly.

On 12/6/18, I received an email telling me that my email address was being changed in my Serve account. Since I was not making any changes, I contacted the AMEX customer service number (the only number available to call) to let them know that someone was fraudulently accessing my account. The customer service rep kept asking questions, but failed to shut down the account. At the time I called in, the money was still in the account. I finally hung up on him because he kept asking me the same questions over and over again.

I see I am far from the only person in the same predicament. I purchased a prepaid AMEX card to make an online purchase from a site that I didn't trust with my regular credit card. For what it's worth, this site has accepted prepaid VISA and MC before, but this time I had a prepaid AMEX. The site declined the card, and its support told me to contact AMEX to make sure the card was activated and valid. AMEX assured me it was, and that they never received a transaction attempt. They also mentioned that it was possible that the website simply didn't not accept a prepaid card (note my comment above).

I've had this card 3 or 4 years my only issue is a lot of times they are offline and I cant use my card. I go to transfer money out my reserve and it shows my reserve as 0 balance when I know its money there. So a lot of times I've been in stores and got declined because the card wouldnt go thru. Just today I was at the nail shop trying to get money out the reserved money and it kept saying error. So couldn't get my money again. Luckily I had cash to pay the lady. I like this card but will be getting a different card soon because when I want my money I WANT my money. Not hours and days later when AMEX releases it.

Run as fast as you can from this horrible company. I went to Walgreens today 11/29/2018 and loaded $60.00 cash on my card. The money I loaded was never applied to my balance and I soon learned the whole system was down. I called customer service and they told me it would take 66 days for me to get my money back and the rep was super rude. I contacted Walgreens and the manager said the transaction went through just fine. I loaded this money so I could renew my drivers license and now Amex Serve has left me to walk down the street. They took all the money I had and the rep smirked in my ear as I told him over and over again that Walgreens was not the cause. This card should be shut down and is an embarrassment to our Country. Why and how are they allowed to steal their customers money without any recourse?

Do not use the company for direct deposit. I've had nothing but hassles and issues with American Express Serve. I was told today that I may get my paycheck today or tomorrow. They're not sure. I always get paid by 6:30 in the morning on this day. Then the lady says she has the power to expedite it so I say, "Go ahead and expedite it," and she says, "I don't have that power!" Terrible, terrible service!

I have had American Express Serve for years and I've never had a problem until October 29th. I used my card at a bankruptcy appointment. It was only charged for $17.95. It went through successfully and everything was okay. I went down the street to the gas station to get some gas and my card was declined. Now mind you I still had $184 left on my card they declined my transaction, I called American Express Serve and I got hung up on. I get an email about an hour later say that my account was locked and that I had violated the terms of the agreement. I have no idea what they're talking about and I don't think they do either. They told me to look on the website and look at Article 15 D. I looked up Article 15 D and it tells me nothing.