Serve American Express Reviews

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.

So, 10/30 I made a payment to one of my bills. 11/2/2018 it was delivered (125.00). Then, the company sent it back saying that I was to pay in cash or money order. So, they mailed the check back to me. I called customer service and they told me within 24 hours it should be back on my account if it was not cashed. This was on the 9th of November. I knew it wasn't because I had the check in my hand.

I requested a stop payment and a refund on the 9th of this month and they told me first in two business days. I checked and after the two business days and I did not receive a refund. I called they told me within 10 business days and it was Friday and nothing yet. Now they tell me that it takes 45 days. My rent is late and my landlord has not received anything either and every time I call they are unhelpful and RUDE. I can't wait to close my account with them.

I paid my rent using Bill Pay on October 29, 2018. By November 11, 2018 my landlord had still not received it and began legal action. I’ve been calling customer service for 3 weeks disputing and it’s still under investigation after being told it would be credited to my account within 10 days. My rent is now a month late.

Over the past 12 months, I've placed over 12 orders with AMEX. Each order was delivered quickly, safely, securely packaged and delivered to my home address. I did have one concern when my last order was substituted for by another of equal value.

I've had this card for a few years. I've had a hiccup here or there but nothing major until now. I pre-ordered something online for an Xmas gift. Its release date got pushed back so I canceled. I called to see how long the $316 would take to refund. The Amex rep informed me 8 days. I found it odd because I work retail and in my experience it's 5-7 days or 7-10 days. I wait my 8 days and nothing. I'm told that it should refund tomorrow. I wait until the next day and boom my account it debited $316 dollars. I call in and I'm told that there is a refund on process. It should rectify itself today. I wait a few more hours and then check again... ANOTHER $316 is taken from my account. Now it's overdrawn several hundred dollars.

Updated on 11/15/2018: I wrote my first review about my negative balance and my transactions being put on hold for merchant review. Called American Express for some answers that I didn’t understand the first time. I talked to them along wait period again. This time the person told me that it was because Walmart was having issues and they are in the process of returning my money in the amount of 31.00. On my transactions it shows completed but it doesn’t show in my balance. The representative I spoke to said it should be on my account on November 19th and she told me the same thing as the first representative that the negative balance will come off when the money is returned.

I am so frustrated. I was wondering if anyone had experienced this issue before; My card was compromised while I was out of town and the scammers were able to withdraw money from an ATM last month. I filled for fraud and reported the issue to Amex Serve as soon I realized my money was gone. I have never ever had any issues and I’ve had the account since 2015. It’s under investigation which I’m feeling hopeless about - due to all the bad reviews on Consumer Report. I had my card on hand, was never lost, and while I was on the phone with Amex Serve they told me that whoever got my card info was trying to get more money. It was blocked already and canceled the card. I never had an issue but if I knew this was going to happen and it’s taking so long to get my $600 back; I would’ve never set up my direct deposit through Amex Serve. It’s so frustrating.

I made an online purchase at Footlocker for shoes $230 approx. The clerk said the shoes would come from one of their stores anywhere in the US. A week later I find out the shoe was no longer available. So I had the store process a refund. About 3 days later I see the credit on my account but it was then put “On Hold for Merchant Review”. I contacted AMEX who indicated that they have to review the refund for my safety. A week later my funds are still on hold. I contacted the rep on yesterday who blamed to HOLD on Footlocker. TWO different stories and was told funds would be released on November 15th. I have contacted PPL and if the funds aren’t there then I will proceed with LEGAL action. I have NEVER returned anything using my AMEX card but this is beyond ACCEPTABLE. It’s funny that I’ve had returns processed with Visa/MasterCard and NO PROBLEMS...

There is ZERO customer service for anyone holding an Amex Serve card. Serve ran my charges twice and had my PREPAID CARD overdrawn & took 48 to return my $$. Now they are having system issues AGAIN and I cannot get my direct deposit. WORST PREPAID CARD EVER!!!

On August 24, 2017 American Express and INCOMM entered into an agreement for INCOMM to acquire the exclusive distribution rights of American Express's prepaid reloadable and gift card products in the U.S. INCOMM will become the exclusive program manager and processor, and American Express will remain the issuer and network for all products involved in all transaction. INCOMM will also acquire the Serve technology platform and other assets related to the American Express prepaid reloadable and gift card products business.

This company has stolen my money and did it in accordance to their policy. This is a class action policy situation. I was out of town and got a text telling me I opted out of text alerts. I thought that’s weird so I checked my quick balance on my phone and it said 725.00. I had over 2000.00 in the account. I immediately went to my laptop to log into my account it started to let me in and then booted me right out and when I tried again it said incorrect password/username. I called in a panic and kept going in circles on the recording and couldn't get a live operator.

I got a Serve card when my granddaughter left for college so she could have ready access to funds and I could make sure she did by monitoring and adding dollars when she was running low. Until this week, it has worked seamlessly - I would transfer from my AMEX card directly to the Serve card and to her subaccount. However, this week the money showed as being transferred to Serve, but was not reflected in my available balance. In the past, if I had a problem or question I could talk to a live person at the 24/7 customer service number. Now there is no longer an option to speak with someone. What to do?

By far the worst customer service I have ever received. Returned something to Target. They hold my money FOR 7 BUSINESS DAYS. IT IS UNDER REVIEW? NOBODY EVEN LOOKS AT IT... Can't stand dealing with these people.

I recently returned a book from Audible which they processed immediately and sent to American Express. It showed up on my card the next day with a secondary notice putting it on hold. When I asked their customer service about it I was told that they were still waiting on the transfer and gave Audible seven days to process it. I emailed Audible and they responded immediately that they had sent it and it was up to American Express to process it.

My husband has the main card and I have a subaccount card. He had a positive balance last night before his direct deposit. His direct deposit hit and I transferred most of the money onto my card to pay the bills. Leaving him a positive balance still. About 5 minutes after transferring the money I get an email saying he is overdrawn by 1,000. HOW THE HELL can that be? I woke him up, he called customer service. Well "sir it's because you transferred money out of your main account." Well it's a glitch in our system it will be fixed in 4-6 hrs (this was 10p CT). I just checked at 1p and guess what? Still not fixed. He called this morning at 830a and was told well our system has to update before it can be fixed?? Ummm WTH?? When does the system update?? Who knows!! I have been doing this every week and we have had the cards for close to 4 yrs. WHY NOW?? I opened up a local credit union account today!! :)

I originally received a card after tax time. Keep in mind I still had cards from last year... I've been loading funds in them for 2 years - suddenly I get new cards in the mail. My funds have disappeared and when I'm called to report one lost this morning the fraud dept tells me to call back because I have all the wrong information on my acct so should hung up on me. Someone has charged hundreds of dollars and made withdrawals from the ATM but she won't tell me anything about my own cards and funds. I told the fraud dept I am a victim of identity theft thanks to the social security dept making all of our info out to strangers. I'm contacting the BBB & reporting them & will be contacting corp.

Since 2014 I have never had an issue with receiving my paychecks on time until yesterday. My paycheck normally hits my card between 11:30 pm and 12 a.m. It's day two. Still no money. It's the first of the month. I have rent due, car insurance to a car note due and many many others. I called the company. They said, "Get a verification number or transaction number from employer and will do what we can to track it." And she kept asking me when is regular payday like I kept telling her today like 3 time already. "Well ma'am don't get upset," and it's like don't get upset. This is my money you're talking about But none of this is going to keep my car insurance from lapping or keep my car from being repossessed.

As an American Express card holder since 1982 in excellent standing... they have now... after 5 months and me having to report them to the Consumer Protective Division of the Government... they write a letter stating that they have now concluded their investigation and will credit me back the fraud unapproved charges BUT they DO NOT. THEY DO NOT HONOR THEIR OWN LETTER AND THEIR OWN INVESTIGATION. I exhaustingly spoke with more than 60 people at Amex this week and not one person can find the letter!!!

After 2 hours on phone, which includes the manager hanging up on me. I got nowhere. Their error by not cancelling my previous card and receiving my state in property tax refund on new card in Aug and Sept just fine, my final return went to old card, that was still active. Huh?! Now I have to wait 3-4 days and pay 20 for my 3rd card. Why? They wired it to me once before. But just kept up with the scripted bs. I was beyond furious. I'm not 2nd class because my credit is poor, but that's how I feel I was treated.

Would absolutely not be referring anyone to use this card! Never in my life have had such a big ** headache! Then here’s the kicker... All of the CSR are non English speaking people! Hate them with a deep passion!

This is terrible. My direct deposit has always come in the 1 o’clock hour since I have had this card. It has not shown up at all. I filed a complaint with the OOC helpmewithmybank.gov! American Express National Bank is not supervised by the FDIC. But everyone affected please file a complaint at www.helpmewithmybank.gov.

This is a bunch of who do you think you are?, with no concerns for the people who trusted, you with their money who lives also depends on the BANK that keeps our Money. LIKE it's theirs Nooo lawsuit.

So, I was supposed to receive my direct deposit as of yesterday, to my surprise NO MONEY. I've been using Amex Serve for a couple of years now and never had an issue, which is why I wasn't initially pissed off. However, after talking to 20 reps (NOT EXAGGERATING) and being placed on hold for 30 minutes each time, I am exhausted. I maybe spent about 5 hours total on the phone with them since Yesterday, and today. Every rep gives a different reason as to why people have not received their funds. As soon as you get them in a corner because you're actually smart, they put the phone on mute while they come up with some BS excuse. Once you cancel that excuse with Common Sense, they get agitated. Basically, they think we're idiots.

This is insane, I was expecting my direct deposit as everyone on this thread was also. It was supposed to come on Monday and now they are saying 10-12 hours! I don't have faith that it will be here! What can we do about this! We need our money! My employer proved it was sent and transmitted.

I have not received my direct deposit and all of my bills are due. I have a set system and was not warned by the American Express Serve Company. This is unacceptable and they should be liable to refund any expenses I have incurred due to this failure! I have filed a complaint with the Better Business Bureau and I am highly upset! I need my paycheck to live and I do not work for free!

I have not gotten paid because of their “technical issue”. They pride themselves on getting customers in by saying that you get paid up to 2 days faster, which in most cases, is correct. My employer processed payroll on Friday, October 12, 2018. On a normal day, I would have gotten my funds that same day (or the day after). However, Friday came and went. Saturday, came and went. Sunday, came and I got curious so I called the customer service number and spoke to a woman that told me there was no pending transactions for my account, which highly concerned me – knowing my employer submitted it (this was at 3:15pm). I figured that it would hit my account on Monday.

Been waiting several days for Direct Deposit. Can’t even get in touch with customer service regarding my MONEY!!! Service is just terrible. No updates, no emails, just poor customer service all around... Keep getting the run around about my funds of when they will be available on media sites.

American Express Serve. The company offers low to no fees for most things that the majority financial institutions overcharge for, so in that regards, they excel, however contacting and communicating with the Customer Service Department is painful at best. I care not that the person on the other line is not of my ethnicity, what I do care about is that the CSR is knowledgeable of the products/services offered and aware of procedures for an effective, productive, resolve for each call. I believe that they believe that all they need to do is apologize for the inconvenience or issue and give you regurgitated gibberish and that makes it better or that you should be appreciative or even grateful for the useless information that they speak. They seem to have no real ability to do absolutely anything for the 'valued' customer but it's not their money nor their issue.

Calling customer service, waiting 45 mins. Different reps have different stories as to why our direct deposits are not in after our respective companies sent deposits in. Now a letter comes email saying they are having technical problems. Daily lying saying today you will get your deposit. This is insane. Help please. This is illegal.

My direct deposit should have been in my account Sunday night at 21:30 like it is every week. This is Tuesday and still not in my account. Have talked to numerous representatives to no avail. Got an email they are having problems. I know!!! I need my money. This is illegal. Told so many different lies. Today they say I will have it. Yesterday said I would have it in couple hours. Insanity. The reps cannot speak or UNDERSTAND ENGLISH. They just script read. Horrible service.

Follow up with Bluebird, still no money. One hour and 24 mins on phone because they lied again. Now they say by 6 pm...that’s it. They suck, they lie, and they are crooks. Friday at midnight, Saturday by 2pm, Sunday by 2 am, Sunday by noon, Sunday by midnight, Monday before 8am, Monday by midnight, Tuesday before noon...now 6 pm. How can I get my foot in there **. Can we sue them, breach of contract, duress. I’ve told my landlord all those times listed above I would pay rent, he doesn’t care, he is evicting. I got nothing...help someone.

I have not received my direct deposit since yesterday the 15th of Oct, 2018. I have spoken with several reps that all they say is it's going to be in the account today, give it a few hours and that things would be okay. I work pay check to pay check and this is putting me in a bind. American Express won't take responsibility to pay the fees that are occurring due to their technical difficulties. They did not send any emails or text explaining the difficulty that is occurring. I would of made different arrangements until the technical issue got resolved. American Express due to the lack of communication you are going to lose customers. Communication goes a long way.

I have been a customer of the Serve card for YEARS. I have never experienced a time when my money was not received. It has been a few hours past normal deposit time but never not received. It has been 2 days and I still don't have my paycheck. I have been nice to reps, but I have received lie after lie. Technical issues, will have within the day, within a 12 hour period- and now I CAN'T EVEN CALL ANYONE BECAUSE THEY ARE SHUT DOWN DUE TO TECH ISSUES. I'm waiting patiently. I advise everyone to refrain from screaming, crying and yelling due to being flagged in the system and getting your call ignored. I'm a single mom. I have NO GAS AND 7 DIAPERS LEFT and no one to help. What the heck am I supposed to do?

I feel somewhat better now that I am not the only one having issues with American Express Serve. I requested to speak to a supervisor or to be told they would be no help because they would tell me the same thing. I have bills that needs paying and no funds. Well I filed a complaint with the federal agency that handles these types of cards, the Better Business Bureau and with my local government consumer agency. I will be calling the FDIC to find out what other options. Please do what I am planning as soon as you get your money, close your account and never do business with them again.

I have been waiting to receive my direct deposit since Sunday. The reps after sitting on multiple calls that lasted 45 minutes and getting hung up on each time, stated there are no pending deposits. I have the tracking number of deposit from my job. The rep claims it just started and it will be fixed within 12 hours. I have no money to pick my children up from school. I work 7 days a week and I can't access my money to take care of my children? And they lie to us about it? This is unacceptable. Do not use this company if you want access to the money you worked hard for.

Since I've had this card (2014), I haven't had any issues with money. My best friend and I both have cards which we use to send money back and forth to one another (suuuper convenient). Not only that, I always have my direct deposits sent to this card because of the lack of fees and ease of moving money to my reserve account when I'm not using it. I've never had an issue until Friday October 12, 2018.

My direct deposit has not shown up. I get paid on the15th and it is available the night before. I just called (45 min on hold waiting) and the rep said there was no pending deposit and to contact my employer. I told her it was not on my employer's end because money had been deposited in another account that I use. She then told me they were having problems with direct deposits and to check back after 8am this morning, it was 7:57a at the time. They know something is wrong but they are trying to make it seem like it’s the employer that has the problem. This is bull.... I want my money. And from other complaints I’m not the only this is hayto right now. They are holding people’s money and there is no explanation or information on what the problem is. This can not be legal. Amex Serve had just stolen my hard earned money and the only response I got was to check back after 8am.

I was supposed to receive my direct deposit as of yesterday. Contacted AMEX and waited on hold for over 45 minutes only to be told that they are working on it. Representative claims they sent emails to advise everyone of the issue but that was a LIE! I was also advised this issue only started yesterday but that was a LIE! Representative advised funds will be deposited within 12 hours so by 8 pm EST the glitch should be fixed. Can't explain how upsetting this is and how it ruined my morning! I NEED MY MONEY ASAP!!!

I have been on the phone with American Express Serve four times now about how my direct deposit was not credited into my account yesterday. Each time, I have spoken to several representatives and each has said they are experiencing technical difficulties. I have provided them with the trace number from my employer proving that the money was sent. They are claiming there are no deposits pending which is entirely false.

Still waiting on my money deposited on Friday afternoon. It's always available Friday evening about 8 pm. I have talked with 50 different people and got zero. Except they are having issues. Yes I guess you could call holding millions of dollars in a fund collecting interest for a few days an "ISSUE!" How do they get away with this, we all know its illegal. Oh yeah. Stupid me. I forgot we live in the most corrupt country in the world. They told me they would hey it fixed and I would have my money this morning. Well it's 4:30 am and I have ZERO.

I have been on the phone since Thursday night with a million different representatives going over the same bullcrap!! I was supposed to receive my direct deposit Thursday night from my employer and it's now Tuesday at 1:55 am. Still nothing. They are claiming no deposits pending which is... It's gone through on my employers end! They said it'd be in my midnight. Monday they've been having technical issues with direct deposit. So I call cause obviously it's after midnight and still nothing. Now they're saying by 8 am!! How do I go about this in a legal way if I do not receive my money that I worked my... Off for by 8 am??

Last Wednesday I used the card to make purchases with no issue. A direct deposit had been credited the night before. Mid-Afternoon I get an email that my account had been suspended because I violated the membership agreement under section 22d. There is no precise explanation and we have had no issues using the account for over five years. It appears that they are dropping these types of accounts in favor of new products they are promoting. I have yet to see the almost $800 which they are holding. I am interested in a class action case if others are willing to join in.

Reading the other Reviewers sounds just like my own with one caveat: someone knew I had received a large Direct Deposit because my money was gone in less than 14 hours later. Serve sent me a text to ask if I had tried to purchase at a Walgreens. Of course not, I have never shopped there and definitely would not spend $500 there... 4 TIMES! I sent the text back immediately stating 2 for NO. Tell me why they could not have frozen the account after the FIRST $500??? The Thieves made 4 purchases totaling over $2020, in Florida, when I live in Maryland. My account history clearly shows me making an online purchase to a pizza carry-out in Maryland (card in my hand) while my number was being used IN a Florida Walgreen's. Each purchase was $505, $509, $504, $505 and change. 2 separate Walgreen's. Suspicious, right?

Use card to send money to kids and pay certain bills. Usually load with my debit cards. Tells me my debit cards are not in my name. Customer service told me that option no longer available for me and hung up on me.

I swiped my card at the pump and my card got canceled for entering the wrong zip code once. I then entered the correct zip code and all of my available credit was taken. I needed this money to survive. American Express would not validate that they placed the hold due to me entering the wrong zip code once. No gas was ever dispersed and no secondary actual charge amount shows. They are wrong and is trying to act as if they have a valid authorization. They wont help you nor protect you as their customer. A system glitch they cant fix.

On 9/13/18 someone accessed my account and spent $408.00 without my authorization while my card was in my possession. I immediately called the card company to dispute and they told me that it will take 10 days to investigate. Today made 10 days and they sent me a email stating that my claim was declined and that it was me that did it which is a total lie. Several people went through this the same day. They would never give me any information when I call in and always had a attitude and hung up on me. These people are scammers that take your money and will not give it back. I'm going legal with them. I am about to do a class action law suit with a host of others. Let's all work together and take them down... Someone must be held responsible period.

One word Bullcrap. Got to go through too much with this. Company is a ripoff. Take too much of your money. Take your money right off your card but take very long links of time to give your money back. Got to go through this person that person. Then when you get mad about your money they hang up in your face... Never get this card.

I found fraudulent charges on my account 1 day after transactions were made. My card compromised and somehow used in North Carolina for gas purchases totaling $997 when I reside in New Jersey and have my card in my possession. Countless calls to American Express Serve customer service department which is only answered by reps out of the country and have no idea on US laws. I have so far had a rep say you made a purchase at this same company in April in VA (for a trip that I made in April but not for gas). As well as another actually ask me if I still had a subscription for the service. Thinking it was a cell phone company since the charges came back as ExxonMobil.

I only had this card for a couple months and had a little over $500 on it when they told me I had done something that violated their terms... They then told me my account was under investigation and would take 7-10 days. I called them several times, and could never speak to a supervisor (they told me they don't talk on the phone!). To make a long story short, after several attempts to resolve the issue, I gave up...just checked my account and there is now $0 in my account!!! I want to start a class action lawsuit but need all your help, these guys are criminals!!! I can't believe they are getting away with this!! Somehow we have to come together to get these guys.

I have a Fraud Case, on 4 fraudulent charges made on my Amex Serve card all from another state where I do not reside. I opened the case with Amex Serve around 7/30/18. I was advised by the Fraud Department that I had to complete a Fraud Form before they would start investigating. A couple of days passed and I didn't receive the form. Once I complained about not receiving the form they emailed me the form. I did receive the emailed form the same day it was sent the 2nd time and returned it the same day. About a week or so later when I called for status I was advised by the Fraud Department that because I did not send it back within "10 business days" I would have to wait the full 45 days for the dispute.

I use this card sometimes if I need to put money on it to order something I don't have in stock for a customer. It's free to load. This is the only card that I have ever owned that will allow a transaction to process and wind up on hold if you accidentally input the wrong zip code. I'm not someone that runs off of prepaid card for everything. Citizens Bank doesn't, Capital One doesn't, my local bank doesn't, Credit One Bank doesn't, none of my other prepaid cards do, and to my knowledge no other card does allow a transaction to process with the wrong zip code. American Express Serve will though, and guess what? The funds will wind up on hold just like all the other reviews say. Try it!!!

I requested 200 bucks from an ATM owned by Cash Depot. Well, the machine was apparently out of cash so the money didn't dispense. I got a receipt that said I got 60 of the 200 requested. (I didn't receive anything)... My transactions show that the ATM gave back 140 to my account but shows no trace of the 60 being withdrawn, but my balance showed that it had been taken. I filed a dispute, uploaded the proper documents to support my case, and after almost a month, I got an email stating that I am not owed any money. (Because the rep took my info down wrong and said that I was disputing the 200 that I requested instead of the 60 that I was actually missing)... WTH... So I opened the dispute again...

I went to a ATM that does not charge me to use it. The ATM declined my card. I thought it was just a problem with the ATM, so I went to a different ATM. It did the same thing. Said declined to contact American Express. Once I got home I looked at my account and noticed a $2.50 charge from the first ATM, which did not give me money back! Yet I was still charged! Then the second ATM showed a $4 fee and $40 withdrawn. Neither ATM gave me money. I called American Express and did a dispute. After about 20 days they told me that they have proof that I received my money, which is a total lie! I have a transaction report from the bank's ATM that I tried to use that shows their ATM declined my card! Have talked to 30 people at American Express. I am currently in the process of contacting a lawyer. I could care less about my $44. What I care most about is how many other people they have and are doing this to.

On 08/24/18 I went to ATM at 2:00pm to withdraw funds. The ATM read unauthorized user, I was confused so I called AMEXserve told me the system was updating wait two hours. After the wait it showed my funds withdrawn. I called they put in a dispute. Needless to say I still have not received my funds back. I was told by a supervisor the same happened to her then called on Saturday 08/25. They state that the system update did not have anything to do with ATM withdraws and talked to me like I was crazy or I was just making the whole thing up after a MNGR told me the same happened to her.

On August 1st I had gone to an ATM and it kept my 100.00. So the next day I call and make the dispute and now here I am. Now 15 calls later and they're telling me they closed my case because I didn't upload any documentation when I did TWICE and they refuse to give my money to me.

I opened a Serve account so that I can help my children when they are in need. As a single parent and the ONLY person they have to rely on I thought this would be a good alternative. Though the transaction to deposit money from your outside checking account to the Serve account is instant getting the big problem doesn't exist there, it's the disbursement of funds, lack of customer service and communication that is the downfall of this card supported by American Express. I tried to get a replacement card for a sub account, paid extra to get the card sent to me before I left the country, was on the phone over an hour and 4 phone calls only to get a replacement card but in my name and not my sub account (daughter).

I received an email stating my card was queue for deactivation and needed to follow a link. I called customer service to ask if they sent it. The representative after confirming my info and instead of listening to my concern he was redirecting the attention to something else. I repeatedly ask him about the email reliability because I receive my SSI direct deposit to that account. I was upset with his horrible customer service skills. After a while he confirmed this email was send by them and dropped the call. How can he hang up on my face like that and took me hours to get in touch with them? I asked myself!

Customer service is absolutely horrible!!! I've had duplicate charges on my account on NUMEROUS occasions and have called about it repeatedly. They have acknowledged that the charges are duplicated and the "second order was cancelled" but refuse to remove the pending charges. One non-English speaking says it takes 5-7 to remove, the next non-English speaker says 2-8 days...they are an absolute scam and a complete joke. Have filed a class action suit and hope many of you will do the same! These people are ridiculous!

Like everyone else, I had 325.00 in erroneous charges that I believe is American Express themselves and no one else. I have tried contacting the business who supposedly took my money and they have no record of it. Customer service is a joke, these people cannot even speak English and most of the time they hang up on me. I've reported them to the BBB, once I get my refund, I'm getting as far away from them as I possibly can.

On July 31st major fraud in the form of a charge of 930 dollars was posted to my account in Florida. I received a text from Amex Serve asking did I make the charge. I responded with a no. After checking my account and finding that there was the money missing I contacted the fraud department. I performed all of the steps necessary and then waited. I just received a email message informing me that the charge was valid and my dispute was denied. In addition to this they suspended my account permanently!!! I did nothing wrong and they deny my dispute and suspend my account permanently!

Money was taken off my card after I was told I was at my limit and could only do a Wal-Mart RIO transfer. 8 transactions for 82 dollars! Why the hell would I stand at an ATM and take out 80 dollars 8 times. I disputed this and was told I would need to fill out the dispute form. I got it and before I could send it back, I got an email stating my account was closed. No one could explain why. No one can explain what will happen with the dispute, I can't send the form. I'm out of over 600+ dollars. They need to be shut down and I will find out how to start a class action lawsuit against them!

On July 6, 2018 I used one of the surcharge free ATMs for the Serve card (Atlanta Postal Credit Union) to be exact to withdraw $740. The ATM did not dispense the money but Serve took it out of my account as though it did. I immediately called them to let them know what happened. They told me that I would get an email from them in 1-2 business day on what steps to take regarding the dispute. I called back on 7-9 to check on my dispute and I was told to wait until I received the email. I received the email with the form to file my dispute on that Wednesday and sent it back completed along with the ATM receipt. I called back the next day to confirm that the documents had been received. The rep told me that they had received them and that the next update wouldn't be until 7/20.

On July 16th 2018 I was issued a refund on my card which was on my card later that evening, American Express Serve intercepted and put my funds on hold for some type of review for an additional 7 days. I spoke with several supervisors after being told they had verified everything with the merchant. I called their corporate offices in Salt Lake City and New York, and was told that an expedited claim Specialist would contact me in 24 hours, still no call back. I’m confused about them placing my money on hold from me. There needs to be some type of lawsuits filed. Also I put money on my card and after paying my bill I was notified that I needed to add money to my card because they charged me the same amount I added as if I had made a purchase. Terrible card. Wouldn’t recommend it!

On July 6th I received an email from Bluebird stating I had transferred money to someone I didn't know. I immediately contacted customer service only to be told I couldn't have any information on my account because I am a family account and they needed to speak to my husband the main account holder. Well after 11 hours of getting hung up on we finally got someone who was willing to help us. I was told someone was hacking my account and taking it over. We filed a fraud claim and was told 3-5 business days we would be contacted back with the results.

In June 2018 I got an email stating from American Express Serve that my refund was deposited on my card so when I tried to find my card I couldn’t. On June 21st I called to report my card lost and I asked that they please send me a replacement card and If they could expedite it cause I just found out my refund had been deposited and they told me they would for 20$ fee. So I asked them to do that and take the money off the balance of my card. My deposit on June 19th was for over 5000 dollars. That’s when they asked me when was the last time I used my card and I let them know I hadn’t actually used it since the year before got my prior refund for 2017 and that was the last time I used it.

I put my son's tax refund on this card in March 2018 and my son passed away March 27th. They put his card on hold until I sent them a copy of death certificate, notarized letter and photo ID's which I mailed on April 30th. They said they got the mail so I faxed everything over 5 times and this has been ongoing for 3 months now. They said they are reviewing documents and the check will be cut in 2 weeks .I did notify BBB and made a case against them for not giving me my son's tax refund. My advice to everyone out there, NEVER EVER trust these people with your money because once the money is put on the card they will not release it!!

I used the Bill Pay app to make my car payment on June 28th and now it's just 7th and they never paid Capital One Auto Finance. Now my car payment is late and Amex screwed me. Amex said it was an electronic payment to Capital One... Used this card for 4 years with direct deposit... They failed me and now going to open a legitimate checking account with Bank of America... STAY AWAY FROM AMEX. YOU HAVE BEEN WARNED.

I have been a Serve customer for years. My paycheck has been directed deposit for at least two years. I had no issue until this past week. First my direct deposit was late. Customer service was useless. When the deposit finally posted l couldn't (and still can't) make cash withdrawals even from an in network ATM. Some purchase attempts have been approved some have been declined. I have made multiple calls and have sat on hold for hours, only to reach customer service reps with heavy accents and zero ability to resolve my issues. Then starting on Sunday July 1st, random duplicate charge holds started showing up. No matter how many times l call l can't get an answer from their useless customer service. With no ATM access l was forced to do an expensive wire transfer to take all of the remaining cash off of my card before they could steal any more of my hard earned money.

I’ve had Amex serve for about a year and like everything else in life it just takes one bad experience for all of the positive to cancel out. My problem with this card is the ATROCIOUS customer service. These people are most certainly in the Philippines making $2 an hour and barely speak English. Whenever I ask about my direct deposit they give me the run around about how they post them when they are received. It’s a flat out lie since my coworker gets his deposit a full 10 hours before me.

Bluebird American Express scammed money - Saturday I had multiple charges on my account as American Express GNS! The merchant was declined on their end but the money was deducted from my account. I have called 4 times and waits over 2 hours at a time to be put on hold again!! Nothing has been corrected and this morning I receive another change on your account which wiped my account clean and it reflects a negative balance! I am being threaten to close my account if I don't deposit money when they still owe me $51 plus today's transaction of $35!! $86 total American Express and I want my money now not in three to six days! This is a rip off! 6 years I have been a loyal customer!

On Saturday June 30 I was not able to withdraw any of my money. I could not get money from Walmart approved ATM or any other ATM. I called and was told they were doing a system update but I still could purchase items from any store but not access my cash. Today there was a charge for $34.00 where American Express has deducted money for no reason that they can explain. Then tried to say I had used the card this morning for a purchase that’s was just showing as an American Express charge. When in fact I had not used my card at all. I was then told I will have to wait 4 days to see if the money can be refunded. This card (Bluebird American Express Prepaid Card) is a total rip-off. Do not purchase it. Stay far away!

I signed into my account and noticed it said my account has been closed. They gave no reason. Just decided to close my account when I am in the middle of disputing transactions of being ripped off, you would think they would help get your money back since this will help them get their money back. I am willing to help and work with them to get the money back but they are as temperamental as a hippo. They can turn on you in a moment's notice for whatever the heck they want and you can't do nothing about it, so I am still going to try to help them get these disputes settled even though they shut my account up for whatever reason they felt like at the time. Don't get it. Wish I never had this card but I get all my issues resolved one way or the other!!!

I deposited my money to my account on Friday. A few hours later I received an email that $300 of my money was transferred to someone I don't even know. I immediately called customer service and was transferred to the fraud department. After being placed on hold an endless number of times. I was told that a dispute would be filed. 2 days later I receive an email that says my dispute was denied and another email that said my account was being suspended for violation of the member agreement. I again call the fraud department and was told my only recourse was to write a letter. I said, "How do I access the remaining balance on my card." She said, "Write a letter." I demanded to speak to a supervisor. She put me on hold for 30 minutes. I was told I could request documentation my mail. They refused to give me the name of their manager and then began to read me the email I had received. I am totally frustrated. I am writing my letter now.

I’ve been getting my paycheck deposited for several months now on my Serve card. I can count the number of times I’ve actually received my paycheck two days early on one hand and still have fingers left. The whole point of getting it deposited on the Serve card is so I could get paid early. If it comes two days early I get it Friday afternoon which is fine but I usually don’t get my deposit till 10 pm on Sunday. I am switching to a bank account ASAP!!!!

While overseas I attempted to use my card, I then received an email stating unusual activity on my account and protection services suspended my account and it's been suspended for three weeks, officially 15 business days on their end. I am unable to access any of my funds, was given a multitude of ridiculous reasons for the lock out. I was told this issue would be resolved in 7-10 business days and it has not. They really don't care if your rent, tuition, bills are late or if you are stuck in a foreign country with no money or way home. Please don't waste your time with this card, I've had this card for nearly 5 years and service has progressively gotten worse.

I ordered merchandise from a company NPCE they never delivered. I haven't received anything. Spoke to American Express Serve, provided proof of email and letter I sent to company and they denied refunding my $800 back even though I proved to them the company is fraudulent and the receipt were doctored up. They still refused to refund even sent letter from the Better Business Bureau trying to get a hold of company and never getting a hold of them. No response. They have all the information of them no replying and they still won't refund my money. If anyone wants to file class action lawsuits against American Express Serve please count me in. They are the worst ever. They shouldn't be allowed to even operate or offer their services and nothing will change until they start to lose money. Their money!!! Please I am on board or point me in the right direction.

Applied for credit card with Derek on June 6, 2018. He told that I would be able to do a balance transfer later today or tomorrow without any issue, since I did qualify. When I called back in they said that I couldn't do a balance transfer any longer, and that I would have to now wait till I get my credit card in the mail. Derek lied to me which was not good at all. Now I may be late and be charged with late fees on my other credit card I was trying to do the transfer on. Be prepared for the worst when speaking to one of those customer service.

I attempted to withdraw $740 from a money pass ATM. I hear the machine attempting to dispense the cash but nothing came out. I attempt the withdrawal again but the atm says I have reached my daily limit and my account deducted $740 but I never received cash! I filed a claim right away. 2 weeks later after a lot of back and forth, no emails received about it. I was told the case was closed because Bluebird said they received proof that there was no error and I had indeed received my funds. This was not true! I called the bank that services the atm I used.

I set up my American Express direct deposit about 2 months after I got my job. It took two paychecks before it was actually started and that’s fine. When I got my first check deposited it came in the morning around 8 or 9 and that was for the first 4 checks or so. THEN it started coming at 10 at NIGHT which is very very inconvenient for me. I called and asked why the timing switched and no one can give me an answer. Of course I was super mad at this because I have things to go and I can’t wait around to make payments the next day. The paper I got in the mail with my card in it said TWO DAYS EARLIER. I get paid on Thursday and yes my checks deposit on Tuesday but why does it come late at night. I’m not understanding this at all!

On May 10 I returned my rental car. I had 287.00 on a hold. The hold was lifted when I returned the car. However I didn't get my money. I called everyday to the rental company which confirmed they released hold. Spoke to American Serve said it's not etc. I went all the way to the corporate of rental company and three way Serve card. Do you believe they still refused to release my money. I was so angry because I just had lost everything and had no money, no food and I stressed that I need that money. They told me nothing they can do. I will not get my money until 30 days. Let me tell you they are the worst I ever dealt with. No compassion. Very cold and rude. Please don't get this card. They are horrible.

Since receiving my 2nd, allegedly permanent American Express Serve card I have been unable to complete the activation process to receive funds from my Federal tax refund. I used Credit Karma to do my Federal income taxes. Unable to reach American Express Serve Customer Service. In setting up my online account with them I was told I was locked out, after too many attempts to log in with the username and password I set up. Subsequently I was directed to contact Customer Service. I attempt this many times, using the customer service phone number provided, both online, and in my snail mail communications from the company, and each time was told that they were unable to complete my authorization process, and was told to go online. I was never unable to speak to a live customer service representative, nor did I ever receive an email from customer service to assist me with completing my authorization of my account.

My first paycheck deposit in American Express Serve account. And an unauthorized transaction goes thru for all of my paycheck. My first paycheck at my new job. 785.00 dollars is not a lot especially nowadays. But that’s my hard earned money. I file a claim thinking American Express is a great company and I would have my money back in no time. Well guess what. I get an email saying my claim has been denied. I call, speak to about 5 or 6 different fraud reps before the final one, a manager. At least the manager had the balls to tell me straight up, "You are not getting your money back. It’s been finalized." Hung up. Had to walk into payroll dept at work to stop direct deposit. I felt so embarrassed telling them my first paycheck had been stolen out of my account. Please, please if anyone reads this before getting an American Express Serve account, DONT!!!

I have been a customer for a very long time and I have Never had a hold place on an incoming credit. I am very disappointed in your customer service department. They do not listen to what the customer needs. If this situation is not corrected with the store credit you have on hold from target I can take my business elsewhere. Both receipts from purchase and return included.

American Express Serve card NEED a class action lawsuit against them. After reading all the other reviews here, I am convinced that this is a fraudulent company. How are they associated with American Express? This has to be some sort of joke. I loaded $500 on to my card at CVS. I used the card to trade services and sell some collector items online. I was told this was one of the easiest ways to do so. Then FOR NO REASON - my account was permanently shut off. They gave no explanation except to say that there was fraud with one of the people I dealt with and therefore they closed MY account. Fine. But then return me my several hundreds dollars. As I am locked out of the account as well, I cannot even retrieve my current balance. This is atrocious to say the least.

Beware!!! This company places a SEVEN (7) day hold to release funds from a merchandise return. I am unaware of another card that places a hold your refund. When I politely asked for a supervisor, I was told they were "engaged". Then I said I would hold to speak with a supervisor and was transferred to another customer service rep. When I asked that rep for a supervisor, she placed me on hold for 26 additional minutes. I was never allowed to speak with a supervisor. Shady at best! Shame on you American Express!

I returned a dress at Macy’s and it took 2 days to get credit back on the card, but then American Express then puts the credit on hold for review for another 7 days. I use this card for online purchases and I don’t understand how they can hold my money this long. Is this even legal. Is it something new, because I have had them for 3 years and never had this problem. Now I will be searching for another provider. Any suggestions?

I was giving the option through Credit Karma to have my taxes loaded on to this card. Some random company that has no records or phone number charged my card 200. I was filled with false hope and promises. Been fighting with them over 45 days long past the 30 days stated in our agreement. They refuse to give me supervisors or main office phone numbers. I got hung up on multiple time. Do yourself a favor. STAY AWAY FROM THIS COMPANY.

I'm currently waiting for a new card, but be that as it may, I was for sure I would be able to manage my account online and withdraw to an external bank. I verified the bank on my Serve account and they're declining my transaction to withdraw. When you call the 24/7 customer service number, all you get is attitude and no solution to your problem. It's ridiculous. I also called because when I tried to send money, card to card transfer, it said "error" and to call customer service but once I called all I got was "there's nothing we can do". Same answer per usual. The entire American Express Serve customer service department should be shut down until they can get some professional workers who actually have solutions and can help people. I need my money!!!

I have submitted a complaint to the BBB on this card. I've had it for 4 years now, and returned various things. HOWEVER, now on 3/28 I returned something I bought at Ulta for 155.51 and 3 days later find out AMEX SERVE has "placed the return on hold". I called and got told they need Ulta to "call them and verify it's a real return". So I contact Ulta, who in turn, calls them and verifies it. I submitted pictures of my return receipt, and am being told it's still 7 days before I'll see the money. Looking at other reviews, I'm doubtful I'll EVER see my money back.

I’ve had my Serve prepaid for over 3 years now. It has its ups and downs. And once I couldn’t even access my money due to system issues. That was scary. It only lasted 20 minutes though. Most smaller places do not accept this card. And even some big ones. I go to Family Dollar, deposit money onto it with no fee. I also never pay the $1 monthly fee. Even when I don’t deposit money they still don’t charge me. No idea why. Is it a glitch? I’m not complaining. I get my money pretty fast on this card. My boyfriend has Serve as well and is able to transfer money to me in seconds.

My account number was stolen and there were several unauthorized transactions. American Express Serve's investigation did not find any fraudulent activities and did not refund me the money that was stolen. They also closed my account and said they will mail me my money left in the account. I filed a complaint with BBB and I am seeking legal actions.