Serve American Express Reviews

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.

This company is really bad in every way, shape and form. They allowed charge but rather encourage it from a sister company to them. A charge I didn't agree on whatsoever. One day after I called them about money they have on hold for no apparent reason at all and they pissed me off and I told them once this money released I am done and wanna close the account. Next day a charge appeared from a hotel belong to a company they associated with 4 days after I checked out from. We all need to do something against this company. I am calling out to everyone here with bad experience with them to contact me or get together somehow to start a legal action against them.

My father was told he'd have his money weeks ago but he hasn't received anything! Is now been 2 1/2 months... We were told that if he kept accessing his online account or calling customer service, his account would then be locked... That's bull if you ask me!!! Last year he had 4000 to all of a sudden disappear from his account. They told us all types of crap but it still doesn't amount to why his money went missing and he still hasn't gotten it back! I'm really starting to miss those paper checks!??? Maybe that's why they want us to carry these cards!??? It's just way too easy for them to get it from us and that ain't right!!!

I lost my card, with $200.00 balance, called immediately to cancel it, I was told I should receive one within the next 10 days, 4 months passed and after calls and calls, and promises that the would "return my call" thing that never happened, finally got one replacement, which did not work. I could not get my money because they said I suppose to get one with my name print in it. Another 3 months have passed, I've been called every single day, they said they don't know why I can't have my money back, which is so stupid. I finally got my new card and still can't have my own money! This is ridiculous! They are not even in USA, they are in Philippines, and they keep lying about my money.

I've had Amex Serve for 2 years. I have NEVER had an issue with my money etc... except one time. I had an issue with a hold however the money was reversed back to my account within the 7 days since the merchant didn't come to get it. Too bad for the ones who claim Amex is stealing from them. If it's that bad maybe you should invest and look for another prepaid card to suit your needs. So tell me. Complaining on this website did it help you get your funds any sooner? How did that work out for you??? That's why people need to research these prepaid and debit cards before running to have their direct deposits and taxes loaded... Just be real. You use these cards because of the idea of getting your money faster than normal. However we all know most of the times things just don't happen that way...

American EXPRESS SERVE IS A UNRELIABLE SERVICES COMPANY. IT'S NOT EVEN FUNNY AT ALL AND NEVER WILL BE EVER. The employees are so sorry and dumb it’s not even funny at all and never will be ever. Even when you tell them the truth about anything at all. Like you didn't open account with them. That someone else has done it without your acknowledging until you got something from them and then they decide to close it permanently and all they know what to say is, "I'm so sorry"! When they are full of crap and lies and a ripoff.

This organization can only be contacted in writing. They have no email contact info and the phone number has a recording that states the "system is down" & no customer service rep can respond. This organization seems to be a scam since the system has been down for three weeks.

I’ve been with Serve since at least 2014 and I have zero complaints, reading these reviews I’m astonished, but I do understand people’s psyche in situations pertaining to money, as well so I get it, but I also gotta keep it 100% from my end. So I use Serve for my partial DD from my employer as well as my refunds this year and past. I’ve had servers situations where I had invalid charges and disputed them, some ongoing as we speak. Every single time I have called them (even though I can tell they do outsource). It has been pleasant, the customer service has always been top notched, my issues were resolved in a timely manner, and no language barrier.

How is this company still in business? They have literally robbed so many people out of their money. Supposedly required fees for literally everything, almost afraid to look at my card in fear it will charge me! Now a week later I'm waiting for my return, my money! They said no later than 7 days. Well it is past 7 days. They are very disrespectful when called. I don't know who else to call other the people who barely understand me and I can barely understand. I pray Jackson Hewitt does not use this company for their services next year! Serve is such a scam for a decent company like American Express!

So - I had a somewhat minor problem, that led me here (I loathe calling ‘customer service’ anywhere because it’s become almost nonexistent. It’s SAD. I’m pleasantly surprised when treated properly)... I googled my issue & found this site. I was this close to direct depositing my taxes on my Serve too! Until now I’ve done BASIC TRANSACTIONS. I had an awful experience with Amazon taking $99 off my Serve - that I solved MYSELF. So after HOURS I got Amazon to give me a $20 goodwill refund too (what sports)... Well AmEx put the money returned to me ‘on hold for review that could take up to 7 days’, UM WHAT? Why would MY CARD HOLD MY MONEY GIVEN TO ME? So after 2 days of head scratching I called BIG MISTAKE!

On February 7, 2018 I had money stolen from my card. I called as soon as I found this out. A dispute was filed. After many telephone calls over many days, and very rude unhelpful customer service reps, I was told that it could take up to 45 business days for my money to be returned to me. I even had a customer service rep ask me, "Well what do you want me to do about it?" I finally contacted the merchant where the card was used and they refunded the money to my account. I shouldn't have had to do that. On February 13, 2018 I sent a payment through their bill pay to my landlord to pay my rent. There should have been no problems... Right?

Employees are rude, Yvette will disconnect with you by placing you on hold and ooops I lost ya mentality. If you ask for anything past then verifying who you are. Other than that their hands are tied. You must wait 10 days again. Tax loan and account set up February 13th and was to be received no later than February 28th. It's now March 8th. After numerous attempts and 3 purposely disconnected calls and an even worse battle with a supervisor. Called "King I Don't Care". I received a card with another account number and account info. This card I didn't apply for or sign up for. But I somehow got this and I'm still awaiting my correct account card. Going on 8 days past the original 10 days and still no card. Where is my money? They refuse to transfer funds to current card or account. Asked for temporary card. Which should take. Yep you guessed it. 10 more days.

My card was supposed to be sent out on February 19th. I've yet to receive it. I called the company. They want me to pay 20 dollars to do UPS delivery... Why would I do that when I never got my first card. This company is such a scam trying to get people's money. My tax money has been there for weeks and I have no access to it. Soon as I get my money I would never use this company again. My sister went and opened a bank account filed after me and has her money. No problem...

It is now the 27th and the IRS has sent my funds since 2-17 but it is still not available on card and cannot speak with anyone. I received an email stating it was on the card but when I went to ATM card declined...went to other ATMs thinking it was a mistake the is stated 0. Now my balance shows 25.00 was deposited today. They will not answer but the IRS states if not available by 27th call. I'm calling the IRS. This is horrible. Never ever again.

We never received the card! The IRS says our tax refund is on that card but we never got the card. When I call American Express they want me to give them the card number. HOW??? I have never seen the card! When I can't they say, "Call back when you have your card number, goodbye!" I'm so pissed! There's no other way to contact them!!!

I was lied to when I went to Jackson Hewitt and got talked into the American Express Serve card. I was told the atm in Wal-Mart would allow me to pull out up to $3500 a day without a fee or I could use the Serve app to find an atm to withdraw without a fee. That was a lie. I went to 3 atms from the map on the app and they all charged me between $2.00 to $4.00 to withdraw up $500.00 plus American Express then charged me an additional $3.50 on top of the atm fees and the atm in Wal-Mart didn't work for 3 days. When they fixed it I couldn't get any money off of my card as it kept telling me and others in line that were using the same card that there was an error. I ended up having to pay almost $50.00 and it took 6 days to get my money off of their card. It is a scam.

On 02/16/2018 I received an e-mail stating my tax returned was deposited in my American Express card. No rush too busy working. On 02/20/2018 I looked at my account noticed there were two pendings on my account which I did not make. One from Home Depot in Riverside, CA over 2 hours away from my house for the amount of $433.90 and another from McDonald's in Riverside, CA for $11.46 total of $445.36. I called them up. They answered. I told them about the pending on the card that I did not authorized, my card is with me. (Should have said it was stolen, maybe then action would have taken place.) The lady I spoke with had to repeat herself over 5 times because I couldn't understand what she said. She transfer my call to the fraud department. I repeated myself. Said, I did not make those transactions, do not submit the authorization. (What I think the said, because I couldn't understand half of what they said.)

When I used the ATM it charged me 4 times. I called the number on the card. They tell me I have to do a dispute. I did. I tried to use ATM today and it declined. I called and I'm told my account has been closed and I can't access my money. I have to wait to receive my money which can be 45 days. This is ridiculous. That is all my money. My paycheck also goes direct deposit. I'm pissed. Never again will I use this card or company.

I was waiting for my permanent card to arrive in the mail so I called Serve to see if they could transfer money from one of my Serve accounts to another one of my Serve accounts. They stated I could only transfer from my Serve account to another person's Serve account with a different name. How dumb is that. That seems way more fraud than me sending my money to my own account. NEVER AGAIN.

My husband's tax refund was deposited onto our American Express Serve card Saturday 2/17/2018 where upon receiving a email stating that the refund was in and available we go to a ATM to make a withdraw where the ATM proceeds to decline the transaction. Thinking it's a ATM malfunction we go to a different one where it proceeds to say the same thing. Declined. So we go home and I call the number on the back of the card to find out that American Express Serve has deducted every declined ATM transactions off my account including the ATM fees. I have the receipt of the declined transactions and no money so I call customer service. Nothing. Sunday something. Nothing. When I did finally get to speak to a live human they barely speak English and inform me that I have to mail them the only copy of the declined transactions to dispute the charges and I would know something in 10 days.Um not going to happen. What?

Made the mistake of having my federal and state tax returns directly deposited into my AMEX Serve account. This is a service the company heavily markets to its customers touting how speedy it is. As soon as the federal return hit my account, AMEX froze the funds to "review" the account. It is now 20 days later. I'm still frozen out of my account. They have blocked me from even viewing transaction records. The state return hit the account 13 days ago, those funds are also not available to me.

I returned a pair of shoes to Footlocker on 02/10/2018 for $206.70. Amex put a hold on my money for seven days. Seven days have came and gone and they are still holding my money. I called yesterday and I was put on hold for a hour three times. I provide Amex with confirmation number from Footlocker for the release of my money. I spoke with 5 different representatives and all them told me different things but all said my money would be release by the end of the day. Still no money. I have called twice today and was told by a supervisor that my money is still on hold. Today is 02/21/2018 eleven days later and they still are holding my money.

I literally made an account just to write this review and let people know how awful they are. I wish I could've rated 0 stars! I went through Jackson Hewitt for my tax returns and was issued an American Express Serve Card. I received my taxes in a timely manner so no complaints there. However, I made a few purchases that I no longer wanted so I returned them to the stores and was told the money would go back on my card. No one told me I would have to wait 7-10 days for the money to be refunded back onto my card.

If you received your income taxes on a American Express Serve card through Jackson Hewitt they just about got away with the perfect crime. THEY THINK US AMERICANS ARE IDIOTS. Imagine this. If they held everyone's taxes in the United States for 10 to 30 days how much interest would they have made off IRS. Billions of dollars. THE PERFECT CRIME. But my husband just figured it out. They teamed together and have been lying to all of us that are due refunds a bunch of lies. I received my taxes Saturday. One hour later I went to a motel. They ran my card for $318 but it was declined 3 times??? I went home and called. Every single penny in my account was being held by this motel not just the $318. So I ride back to check in thinking no worries only to realize they had no receipt of payment and this was a different amount???

I wish I could rate this card 0 stars. I can't use the card at all. Not at the ATM or online. I have my income tax return on the card and I am still unable to use it. Had to go to Walmart and do a transfer and was charged almost $7. I will be taking my money off this card. Never again. Oh, and the customer service number had me on hold for 39 minutes. I finally just hung up the phone. Not happy at all.

This year I completed my taxes using Credit Karma which had an advertisement to have my tax refund loaded into an Amex Serve card. After reviewing the terms and fees I felt like it would be a good idea to try. THE ABSOLUTE BIGGEST MISTAKE. I received my tax refund and I can make credit purchases. However I am unable to pull any cash off my card. Whether it be from an ATM or trying to pick it up from Walmart. My card will either decline at the ATM or I get a message saying network error when trying to set up cash pick up. I have debts that need to be paid only in cash.

Walmart charged my account twice. So I went there and they told me I had to call the number in the back of the card. I couldn’t get through to customer service period. I have such a headache. I’m never using this prepaid card again!!! Yesterday my card kept declining and finally when it goes through it charges twice. I can’t even get to anybody!! This is ridiculous I want my money!!

Went to pay my car payment that was due today and I use this card for my direct deposit and I can't use my card! Not only that can't get ahold of anyone through American Express Serve. It's been two days. They can't even tell us what's going on! As soon I have my money I will no longer ever in my life use them again!

I'm not one to take time to sign up for an account just to make a complaint. I will usually only go the extra mile to leave a good review. However, working in customer service for 13 years and after dealing with this company, if I save 1 person from signing on, I've done a good thing. I had our tax refund put on to this card (why? Oh, Why?!?). I've had luck with other cards (Kroger, Direct Express and BlueBird) so I guess I expected this to be ok.

I don't know what's going on with the Bluebird card services but I've never had any issues until yesterday Feb 18, 2018 and I must say I'm very pissed the hell off. Went out to dinner and couldn't pay for my food because the card kept declining. How ** embarrassing was that. This American Express Blue Bird card company has stressed me out. It's my money and I don't have any access to my own money. WTF.

I had my income tax refund put on this card. I tried to buy groceries with it and it was declined. I tried to contact customer service and kept getting a recording that they were doing scheduled maintenance. Had the card decline a couple of more times as well as successfully withdrawing cash later that evening. I look in the app today to see what's up and most of my purchases yesterday were "on hold". And the grocery store purchase that my card declined on was listed. I never got my groceries! It's also on hold. I'm praying the grocery store clerk remembers me. This isn't cool. I'm removing my money from this card as soon as possible. Meanwhile I've been on hold nearly an hour.

Was trailing out of state with my wife. Needed gas. Stopped at a local gas station to fill up. I guess their system was down. Tried to get gas card. Denied 5 times. Money I could not use. Thank God my girl had money or we would have been stuck in the middle of nowhere with no place to go. Sleeping in our car because I had no access to my money. Customer service number had no answer. What a joke.

I've been waiting on them to fix their technical problem for 3 hours now! I'm stuck at Walmart because I came to get new tires today! Go to use my card and it's declined. Go online, get the maintenance error, try to call, recording says they are doing maintenance. Call back in a few hours... it's been 3 hours! I am NOT HAPPY!

This is the first time I have used a Pre-paid card for my tax return and will be the last. I used my card this morning only to have the card decline several times including the ATM. I checked my balance which was more than sufficient and tried to use the app, online and call customer service only to be told I could not use my card for a few hours because of their "technical difficulties". I am now wondering have I been scammed? This is the worst prepaid card ever and customer service is just as horrible. Will be removing my money from this card and never using it again???

I can't get my money out of my prepaid account. They had no problem taking my money but I can't get it when I need to get it back. I need to get my blood pressure meds filled and I can't. So now I have to go without my medicine until they decide to let me have my money back. I have over 300 dollars in there and can't get it. I can't even get online to check it or when I call customer service I get a busy signal. This has been going on all day. I guess I will have to find another card to get my money direct deposit on.

I got my Serve Card from Jackson Hewitt for my tax return. My tax return was deposited onto my card and I cannot access the money! I went out to eat and when I went to pay my card was declined. Knowing I had money on the card I tried to contact Serve for over 4 hrs. All I kept getting was a busy signal. After 4 hrs I was finally placed on a call waiting list for another hour. After waiting on hold for over an hour a lady comes on the line and informs me that she cannot help me with anything at this time due to their system being down. All she could tell me was my balance. She informed me until the issue was fixed I would not be able to access my money. She said she had no idea how long it would take to be fixed. This is a joke.

Get email stating taxes are done, I check the card it says X amount available. Overjoyed I get ready to go spend some money, that I have desperately waited for. Go to get gas card is declined. Go to ATM. It says account not found. Tried calling 100 times and nothing. What gives. Very embarrassed, what a cruel thing to do to 1000s of people.

I received my federal income tax on this card. I purchased something with no problem. I try to purchase something else minutes later only for the transaction not to go through. I wasn't even allowed to withdraw any money from the atm. Come to find out the "system "is being updated so I can't even speak to a customer service representative. What kind of sense does that make?? I will NEVER recommend this card to anyone.

As with everyone else, renting a car and money being held for 30 days EVEN after the merchant had canceled or received their money. Amex will give every excuse as to why they have to hold it... none of which makes any sense. Which now brings me to the issue today. I go to the ATM to take money off my card only to receive an error message that my account cannot be found. Called AMEX and was told they were having technical issues which will be completed in 30 minutes to an hour, 3 hours later, still not fixed.

This is by far the WORST prepaid card and customer service I have ever dealt with! I would NEVER recommend them to anyone! If you can avoid getting this card I WOULD! 30 days to get a hold removed even when the merchant tells them it's been canceled and they have proof yet Amex serve don't care nor will they return my MONEY! What a freaking joke!

So I rent a car with my Capital One card at Priceline. No problem and then at the car rental company, as I'm checking out you get asked for a deposit so I have to use my American Express card for $200 so it gets take. Now fast forward to the 31st of January when I return the car. I'm expected like usually to get my deposit back and I don't. It's now been 11 days and they're telling me I have to wait 30 days. So quote on quote I'm not going to see my money until the 28th; mind you I'm not going to wait until then. So they're giving me the run around at the American Express wherever their calls are routed to.

Please I repeat stay away from Serve. I repeat stay away from Serve! I went to the ATM to dispense $200. The ATM never gave me cash and Serve still charged me. I was told to make a dispute. 10 days later the dispute was denied. Serve stole my money. I will be closing my account now. I repeat stay away from Serve!!!! Better safe than sorry!!

I went to activate my card which I got in the mail for tax returns... I make an online account as it tells me to. Then it tells me to activate my card, which prompts me to enter the 15 digit card number and 4 digit security code. I entered them correctly one at a time. The first attempt said "Please Enter Card Number" but I already did. It was the correct numbers. So I hit enter again. Same thing. I hit enter 3 more times and it told me that I had no more online attempts and prompted me to call the customer service hotline. I called and was asked by the robot lady to "say representative" so I said "representative" and it told me to enter my 15 digit code and I enter it and the robot lady said I have to activate the card then hung up. This is **! How am I supposed to activate my card???

I had this card since 2014 and used to love it, I have sub accounts for my kids and send them money in case of emergencies. My biggest problem with them now is that I used to get my direct deposit early on Wednesday, then switched to Thursday morning and now I don't get it early at all. I called my payroll dept and they confirmed that nothing changed on their end so it must be the card.

I get money every month on 26th faithfully. All because the 26th falls on a Friday. They won't give me my funds until Monday night. This is a damn shame I have small kids. Now I have to go without money all weekend and Monday as well. This is a damn shame!!! How dare you people not give me what's mine!!! I'm so over American Express. I shouldn't have to suffer. I hate y'all.

Ugh!!! All I can say is this card service is a scam. I went to an ATM almost 3 weeks ago. The ATM did not dispense my $700. There was a malfunction with the machine. I immediately contacted this American Express Serve card service. They did their investigation and allegedly comes back with some information stating that are the ATM provided them will prove that a dispense cash. This is such a scam. When the bank manager verified the machine was out of service that was a malfunction. Even submitted a ticket for service and these people are still trying to claim that so American Express Serve has been giving me the run-around for almost 2 weeks because I reopen this dispute. They have not sent me the information that I've asked for from this alleged ATM. Come claiming that the cash was dispensed anyway. It's a scam. All the calls are internationally routed through the Asian market and it's a scam. It's just a business to make money.

What they did to me was absolutely horrible! I linked my Mastercard to my American Express Serve debit card & like any business, they add a few cents to verify your card. I put the option of not having them take ANY amount of money from my card & what they did after I verified my Mastercard was absolutely disrespectful!! In my Mastercard transaction, I saw that they had about 4 transaction of my money taken away. I had to call a representative & told them what's up. I told them I was VERY FURIOUS & wanted to know what's up. Supposedly he told me yesterday that this was just a "verification" & that the money they've taken from me should go back to my account. It's been a day & I don't see that money going back into my account at all. I'm currently unemployed & I make sales. I was saving that money to get something big for my husband on Valentine's Day. & they took about almost 5 dollars UNAUTHORIZED from my account.

It states on the package it's ready to use. Pay bills online haha. None of my bills except American Express. Not my water company or power co. and it's not excepted by Suddenlink. So at the end of the day I will be using this card to buy a prepaid Mastercard or Visa. Don't waste your time or money on this American Express Serve. I didn't even want to give it 1 star but had to.

I cannot believe AMEX would even pit their name on this card. They have the worst customer service I have ever had. All they say is, "I’m sorry ma’am. There is nothing I can do for you." When you ask for an explanation of why your return of $13.85 is on hold for 10 days they say again, "Ma’am I’m sorry. There is nothing I can do." They never explain to you the process. They are robots that repeat themselves over and over until they hang up on you. Yeah they may have no monthly charge when you get direct deposit. I am not so sure it’s worth the hassle. Again I cannot believe AMEX would put their name anywhere near this with their reputation.

Horrible. Use cash or get a real bank account. It's fine if you load cash on and only use in small amounts. If you need large amounts transferred or need a large amount of cash they make it so inconvenient that you just give up. Can't use this for a lot of things (including Uber). If you need to call be prepared to be on hold for a half hour, explain your situation repeatedly, and then have them tell you there's nothing they can do.

On 12/14/2017 I attempted to use an ATM to withdraw $300 the ATM did not release the funds. I was told by the ATM company to file a dispute which I did one hour after the failed transaction. American Express Serve had me to send in information and a statement of what happened. On 12/27, I received an email stating the investigation was complete and I would not receive my funds after the ATM company clearly stated the day of the transaction that they would do it. The rep said she would need to reopen them despite when I contacted customer service. This did not sit well with me but I waited until after my grandmother's funeral that Saturday to call the ATM company.

I spent a hour a day talking to these people that have no training. Even the supervisors are liars. Money was taken off my card and three different reps told a lie and spent time even talking to the merchant and the issue never got resolved. They gave a run around every rep gave different statements. Horrible customer service. Horrible management. Will NEVER DO BUSINESSES WITH THEM AGAIN.

I have NEVER dealt with a company that is completely helpless in servicing their customers as well as continuously lie and provide misinformation. I was literally on the phone with them recently (after dealing with them daily over the last two weeks) trying to resolve an issue. As always the representatives are eager to help, but they are "not able" to help in any way. How in the world do you not know to tell a customer that if your card is canceled for a new one to be ordered, you cannot transfer money to anyone else? According to the representative that I received, I would be able to transfer money to be picked up by myself to Walmart so I can have immediate access.

I recently notice some activities on my card that I did not do so I put in a dispute with American Express Serve. It took them 5 to 10 days to even respond and then after that hold a lot of times they finally credit my account but on December 21st they stated to me that one of the purchases that the merchant has proof that it was me that did that. I in turn called them and said I did not do that and then I want to see the proof that they sent you so as a result for me asking for the proof they lock down my card.

I recently on 12/8/2017 used my American Express serve card at an ATM near my work. It did not dispense the money and showed on the screen the transaction was not able to be processed at this time. I contact the merchant who tells me to file a claim with American Express until he can come and check the journals to see that it did not dispense the money. Was told from American Express it would take 10 business days. Now it was only for $140, and I know that doesn't sound like a lot of money, but when you're living paycheck to paycheck during Christmas, that money really does add up.

It's Friday morning and my direct deposit is not in my account. I called my payroll company and they said that the pay was shown as deposited, I call Amex Serve and I've been waiting to talk to a representative for almost an hour! This is unacceptable. I promise you once I get to the bottom of this, I'll be canceling this account and going elsewhere because this is absolutely unacceptable. I am beyond furious right now. Save yourself the headache and DO NOT get this card. You WILL be disappointed at some point by these idiots.

The card has been good and economical to use, but the customer service is pretty awful. I called and explained, then wrote to ask a correction on a fraudulent charges, nothing happened for one month. The company promises ten day action... it didn't happen. Now I see it doesn't care and the only option for me is to cancel the Serve account with a negative balance.

I have had the Amex Serve card since 2010 and while the fees are reasonable including free reload at participating retailers and no service fee if you load 500 or more in a month that is the best thing that they offer. Customer service is almost impossible to reach, representatives without any desire to answer your questions, no online chat or email and if you are lucky enough to get a refund from the merchant, (that's about the only way you will), be ready to wait 7 to 10 days to see what was once your cash deposited back into your account. There is no buyer protection. Since the fees are nearly free, you get what you pay for. (No fees, no service). Once upon a time, it was a good choice, its happily ever after is now a nightmare from hell.

I’ve had this card a little over 4 years, and I have no complaints. I find it to be the most cost effective card I’ve ever had. I get more than 500 a month in direct deposit so they waive my one dollar monthly fee whereas other prepaid cards charge you a monthly fee of five bucks or more. I also remember losing my card around tax season and because they take 7-10 business days to get another card to me but I needed a battery for my car asap and couldn't wait. They sent me 1,000 dollars via Western Union to hold me till I got my card. Also you do get your money 2 days to even more days faster but it does depend when your financial company sends it. If my job processes my direct deposit today at 7 am I will have my money by 5 pm same day. I’m also thrilled with the free money loads at the local Walmarts.

Absolutely terrible. I paid today at a hotel where I know the manager. He accidentally did it for an incorrect price, so he voided it, then charged me the correct price. Bluebird still hasn't put my money back on my card, and I called twice including a supervisor. Also, they added about 15% to each purchase, which they admitted to. They told me they didn't receive the notice that it had been voided. They would not allow me to speak with a US agent. I've had this card for six years. Two years ago, I was at another hotel, and paid daily with my Bluebird card. Each time it was 15% more than the actual cost. I called three of their agents then, including a supervisor, all who promised me it was the hotel that did this, an absolute and abominable lie. They tie up my funds for 8 days. This is actual cash that I loaded, so they in effect, are using my money. Absolutely heinous.