Serve American Express Reviews

This complaint is about their traveler's checks. I lost my checks. I called 3 weeks ago to report the checks, and was told I would get a callback. I did, but was in a meeting, and so was told I would be called the next day. Didn't happen. So I called again, and again gave a lot of information over the phone. Today they sent a form, asking for much of the information I had already given. There was an accompanying word document - blank. I called again, and was informed they were closed. This was during normal American business hours. But the Philippine branch was now closed. It is bad enough that they are hard to understand, and don't understand me, but now I have to do business according to Philippine hours? This all seems like they are deliberately making it difficult to get my checks back. I will persevere, but know that this company does not give good service.

Wait an 1hr for customer service to answer me for them to hang up on me and to tell me they're having technical issues! Finally reach somebody. They try to talk over you! And always tell you what you should do instead of fixing the problem! Secondly that get your two days early is a bunch of bull! #fakenews I promise you that’s not true at all! If you're thinking of buying a serve card don’t. You have been warned! Please read all the reviews. It’s all true. I have experienced all this plus more. It’s truly the worst card! The only thing you have is the name and even that’s worthless.

This is the Worst prepaid debit card there is. Fraud is not protected. You will take the loss. They don't try customers!!! After banking with this company since 2011 my card was lost for the first time and of course charges happen. The bank noticed it and sent out email to my phone, once called to report the card lost, they filed a claim. 3 day later I received emails advising me my account is being closed and I'm receiving a check in the mail for what was left in my account. Contact the fraud department to have them tell me that I was responsible. 3 fraudulent charges after 5 years, and American Express is blaming me and closing my account. Save yourself the headache and stress. Put your money into a real bank! The fees and service is not worth it.

I did store return to Express and TJMaxx on 10/17/17, both merchants advised me that the funds was return and credited to my prepaid card. American Serve holds the funds for 7 days and it is not their money and this is not a credit card. The customer service reps I have spoken to are rude and gave me different dates the funds would be available to me. Here it is 10/26/2017 and no funds returned. I am very disappointed.

Call center for American Express Serve - Rude and unprofessional. Managers are overtalking customer. They forgetting about manners, unable to answer questions about account making it seem like I am uneducated. Talking to me like I am a child when I asked for any ID badge number. Asking her to slow she started speaking to me like I was 3 years old. Amy ** and Micheal ** both need to be fired. Or removed from their current Positions.

I have been a customer for while, and have never experience: I made a return on Saturday, September 30th at 7:30 PM to Banana Republic. It's sad to see this card company lie to me as I have my receipt. The customer service rep said since it was only October 2 when the return happened it will take seven business days. Now this has never happened with Bluebird. Then I heard Banana Republic have not released the funds. I called Banana Republic customer service and the funds are released. I called Bluebird back and now I am hearing they are reviewing the return to make sure it's legal. This is **. I am canceling my direct deposit and stick out with my real bank. They can have the $31.16- Oct 02 2017 Merchant Credit Hold for Review - BANANA REPUBLIC US 81 PROCESSING - $31.15.

I checked my balance after getting $20 in gas and there were 2 holds for $85 and one for $100. So I called. I was told they would remove the $100 charge but the $85 charges would probably resolve themselves. Well they didn't, and then SIX more fraudulent charges showed up essentially cleaning me out. When I called back I had to speak to 6 different people and the result is - I was able to dispute the two charges that already posted, but I have to wait to dispute the others until the money gets taken. I am completely broke until this gets resolved and reach dispute can last 10 to 45 days. I will be getting rid of this card the second I get my money off of it. I will never recommend this service to anyone.

I went to the ATM to get money out the ATM and not distribute the money. They gave me a receipt saying that transaction cannot be completed but for some reason American Express still took the money off my card and told me he would take 10 to 45 days to resolve. It took me two seconds to call the merchant and get the information that I need. They're just taking forever just because. If I were you I would not get a card from them. They do not care about anything you have going on and they will not give you your money back until after 10 days even if it is their fault.

I was notified that there was suspicious activity on my Serve Card by their ** offshore customer service rep, so I instructed them to cancel my card, send me a replacement, and to FREEZE my account so nobody could mess with my account until I activated my replacement card... While my account was 'frozen', I had $4,410 stolen off my Serve card by someone online... Exactly HOW they were able to steal $4,410 while my account was frozen and I had no actual active card, I was never told...

I used to love this card. It even sent me 10 dollars one time because the ATM wasn't working. I had no problems up until recently. Some bills say they are paid when they are not. I almost got my car repossessed because the payments said they were there and they were not. I called over and over again trying to get something done about it and every time I called it was a different person and had to give all my info all over again. OVER and OVER and OVER and OVER.

On August 24, 2017, I decided to check my account to see if my direct deposit had come in by using the text to Serve service. I, in turn received a message back saying, "Serve: Sorry, it appears the following Cards ending in ** have been locked. Please call the number on the back of your card to unlock your account." So I followed the directions and this is what happened: I stayed on the phone with a representative who had no more than a script to repeat over and over again no matter what I said to her. After about 15 minutes of the runaround, I decided to ask for a supervisor. She said the issue with my account is that I tried to draw funding from a source that they could not verify that I held an account with. I realized my mistake was that I chose the wrong card when trying to fund the Serve card from another direct deposit from another employer in my Rushcard.

This company is absolutely ridiculous. Charge on my account for 25.90 from Disney Movie Club that shouldn't have been there. Called them and amazingly they canceled the charge. No questions asked, 1-3 days back to card. Ok no problem. Now 4 days later I call Amex and I'm told "we can't help", we've received nothing from them to cancel the transaction so it'll be 8 freaking days. So stupid. I'm done.

I have had this card for 3 years and I load a minimum of $1,000 a month therefore the monthly fee is always waived. I state this because I assumed with that being the case I wouldn't get such a hard time trying to resolve my problem. Problem is I went to an ATM machine 8/22/17 to withdraw $200 but never received the cash. The receipt displayed $200 requested but $0.00 dispensed. However on my Serve card $200 was debited. I spoke with a CSR and was told 24-48 hours for a dispute form via email. After arguing the fact that it should never take up to 2 days to receive an email, I received it the following morning, 8/23/17. I uploaded copy of receipt and dispute form first thing 8am 8/23. Today, 8/24/17 I was told it usually takes 45 days to complete investigation which is bull. We live in a world where nothing takes that long, period!

So apparently my account was Fraudulently used of a total of $327.52. I reported it on Sunday filled out the proper paperwork "Declaration of Fraud form" and submitted it on Tuesday morning. By Tuesday afternoon their investigation team has determined that nothing was wrong with all transactions. Their investigation took them less than 8 hours to determine that? They investigated & verified 8 separate transactions in 8 hours, THEY MUST HAVE AN AWESOME INVESTIGATION TEAM. Mind you I was provided with an email stating that it can take up to 45 days for an answer.

American Express Serve is straight-up scamming people and stealing their cash. My account was frozen for some reason (I assume they didn't like me using the ATM often rather than the card directly) but all I received was a generic email. I've have called them about 6 six times in the last month and never gotten a straight answer, just that it was "under review" and they would get back to me. My last conversation with them ended with much anger on my part and a vow to hire an attorney. I suggest you never use their service as they are likely to steal your balance at some point and never even tell you why. I lost about $1000 thanks to these slimy scammers, which I may or may not get back via the legal system and many months of wasted time.

It's quite suspicious how difficult it is to actually talk to someone from this company. As soon as I can, I will be switching to another company and let everyone I know to NOT associate with Bluebird AMEX for any reason! If there was a star for "-10", I would choose that one.

Unfortunately, the quality of American Express customer service is getting worse day by day. Many years ago, the service was top notch. Now, the best way to get quality service is to either use the online account app, or the automatic computer system, when you call in. Speaking to an educated, properly trained representative is difficult. Many of them have strong language barriers, that creates miscommunication. Those who do speak clear English are often times curt and unhelpful. I am extremely disappointed in how poor American Express has become customer service wise. There was a time, about 15 years ago, (I've been a customer longer than that), where it was hard to get approved for an AMEX card. Thus, the level of service was high. Well, it seems that they have lowered their approval standards; and along with it, the quality of customer service.

American Express Travel Related Services Co., Inc. They stole my $2200 by shutting down my prepaid cards and accounts (Serve Card and Bluebird Card) for no real reason and they refuse to give me my money back!!! But I will fight back for my money and my rights and I have seen many people with the same issue, and we are trying to make a class action lawsuit for this!

I filed a dispute on 6/15/2017 for an ATM withdrawal. The money was not dispensed and the ATM told me I had insufficient funds but deducted the amount from my account. I was told I needed to file a dispute with the cardholder. So I did. Here it is 6/26/2017 and I've received no correspondence, no help, no nothing. Not even a temporary credit to help pay my bills. I mean it's a prepaid card for God's sake. You know I had the money on there and it's now gone. I was hopeful when I initially filed the dispute. Thinking it was a simple fix and that the process could not possibly be that convoluted but obviously it is. There is NO one to speak to except people with very poor English all the way in the Philippines. Meanwhile the actual department that handles disputes is in Utah and for some reason there is no way to contact that actual department. Only this lone phone number full of people who have no idea and don't even care what's going on.

I never have applied or gotten a Serve Debit Card but yet I keep getting emails about my supposed account and that the online statements are available. I can find no way to contact American Express Serve as all online methods of contacting them require me to login to my supposed account and calling just gets me an automated system requiring an account number to be able to talk to anyone. The FAQ on their website says they require email verification but I never verified any email for American Express. I have had this email account for many years and these appear to be legitimate emails from American Express. I would really like to stop getting these emails I just do not know how to contact them to get them stopped.

On May 27th I was emailed by Amex Serve indicating that my account would be suspended for a fraudulent charge that I reported to them. They then closed my account with my hard earned money still in the account. I was unable to use the card to get my funds and the customer service rep indicated that a check would be mailed to me in 7-10 business days. I never received the check. I've been on hold more for more than an hour with several reps and my issue has NOT been resolved. I call daily to check the status. They repeatedly attempt to reassure me that a check will be mailed but at this point, I do not believe them. This is the worst experience ever.

Card was compromised. A fraudulent transaction was processed via Stripe payment systems (online system used by many online mail order companies, e-commerce companies). The representative on the line was barely able to communicate and just kept parroting a telemarketing rhetoric. Offshore support with little or no understanding of the issue. Beyond disappointed. No common sense and a "nothing we can do" mantra.

I had the card now for several months no issues. I sent my rent via bill pay. The payment arrived late. I received a late charge. The customer service rep explained to me that the fee would be added to my acct. That never happened. I was transferred to the dispute dept. The rep was rude and seemed distracted. The dispute was completed for the wrong date and wrong amount. I called back a second time and the dispute was completed via email stating that the payment was delivered and basically that was all they could do. I called back a 3rd time today and the rep was beyond rude and told me there was nothing that they could do and never looked my acct up, pretended not to hear me and ended the call. I was happy with my card until this happened. I am going to keep complaining until I no longer have air in my lungs. Extremely dissatisfied!

I got my Bluebird card in October of 2016. Figured I would use it for my tax return. BIG MISTAKE! I was happily spending my return on my bills and somehow, someone got my card number and started charging it for crazy internet stuff. (I never buy anything online, especially on my computer. Usually on my cell) I called customer service as soon as I found out. They were really nice at first. I had a sub account and my husband's name was on it and they said that his account wouldn't be blocked while I was issued a new card. Fast forward 48 hours later. I get an email stating that my account has been closed and all my funds will be mailed to me via check. I called customer service and asked why. They said that my complaint didn't follow the user agreement and that my account had been cancelled.

American Express will not remove a 30 day late payment which was for just $1 for some reason. They tell me their system won't allow making a change because it happened 3 months ago. I just found out because my credit score dropped dramatically. Now I have to live with this mark on my report for 7 years? This is unconscionable.

My card was stolen and was used and all of my money was gone off my card. Called them to my a complaint and do a fraud form. The form was done. They so called told me that they was doing investigation. They sent me emails saying 45 days from now not 10 days from now. They emailed me and told me that my account was permanently locked due to that it wasn't nothing wrong with the transactions. I'm trying to understand how it's not my card was stolen and used. They didn't want to help me. They didn't want to credit the amount that was took from me. They don't treat their customers well. They need this card shut down.

On May 1, 2017, State Farm Fire Casualty sent out a Direct Deposit to my Amex Serve account, in the amnt. of $1000. In order to receive my D. Deposit, you must call the number on the back of the Amex card, to retrieve your D. Deposit acct. and routing numbers. I listened to the numbers 5 times total, to make sure I did not get them wrong. I was able to give State Farm the D.deposit info and everything seemed to be going fine. On the 3rd, I called Amex Serve and they say they do not see anything pending, to wait one more day. I called Amex the next day and they noticed my Acct number was different than what I had provided them (your D. Deposit acct number is not the same as your card number). Amex told me that one digit that was a 4, was supposed to be a 0, and that they had rejected my D. Deposit.

I recently had two experiences with them when $15-30 has been taken out of my account and no representatives could tell me where my money went and why was it taken. I never received my money back and they also lied about dispute policies. I had no problems with my account until I started receiving direct deposit to my card a year after opening my Serve account.

Got the Serve card and signed up, but the 15 digit number won't work and of course I can't get a real person to help. I usually get knocked off when I call. Wish I would of read reviews before I wasted my money.

The customer service department was horrible with assisting me in obtaining my permanent card since my address changed. I was on hold for over 43 minutes waiting for a supervisor because the representative couldn't explain why the address wouldn't "verify"!! The call lasted over an hour before I was disconnected & when I called back, I was placed on hold again! The second time the hold was over 30 minutes just to speak with a supervisor?! This goes to show the amount of issues American Express Serve is having when one has to wait so long. I've gone through several address verification systems including the one used at my job & I was able to verify!

I had my tax refund placed on the Serve card. The first card was sent to the wrong address. I called to correct the information and then had to spend 45 mins with cyber security trying to verify the address. After doing so I was told the card was being sent to the corrected address and to look for it in 7 - 10 business days. I called the next day to make sure they were sending it to the correct address and was told it was.

So, I got my taxes filed, got my refund back in a timely manner and had it deposited to an American Express Serve card. Around March 4th, I went and got a total of $44 in fuel and American Express Serve took out $90.83 for the purchase claiming it was a pre authorization charge that is set with the fuel company. But that once the transaction processed is get the money back but it would take 8 to 10 business days.

If I would have read all these negative reviews, I would have never gotten this card!!! They are crooks, stealing everyone's money!!! And yes I will be contacting BBB and filing a complaint and if I can sue them!! Anyway I noticed two transactions that weren't mine so I called. They cancelled that card and said they would send me a new one, which they did, but cancelled that one too! Saying that it wasn't fraud, blah blah blah, same crap they told everyone else!!! Anyway they are thieves!!! Yes, with all these 100's of complaints about them there should be a class action suit, and I am sure it will be soon, but not soon enough. ** company.

I have been a Serve customer for probably 6 years, and happy for the most part. I have had issues with identity theft on the past, so I will not use my debit card or credit cards for online shopping. I have used the Serve card religiously for online purchases for the last 4 years. So, last week, my card was compromised. I received an email that my email address had been changed. I immediately called and customer service was not very helpful. The gentleman spoke to me like he was reading from a script. He put me on hold, and came back to tell me that he called my phone number on file and left a code on my voicemail. He needed that code to verify that I was who I said I was. Problem with that was I had changed my phone number since opening the account and had not updated the number. They had no other way of account security. What if the hackers had changed my phone number too???

I received my tax return on my American Express Serve Card on February 16, 2017 six days after I filed. On March 30, 2017 I finally received my card after calling several times where I was repeatedly told that if I didn't provide my entire social security number they couldn't look up my account. I finally got through to some one who could look it up using my date of birth and the last four digits just fine but we got disconnected. When I called back the automated message said their server was down, after several repeated attempts I blocked my number and called again. My call went through the first time. They blocked my number! Amazing. Now 7 weeks later I have my card from when it was supposed to be sent out of Feb 10 2017 and my PayPal won't link it for risk of fraud. This entire company is a scam.

My card was compromised. Called the same day. It was used in another city about 5 hours away at a Walmart. Agent said they will investigate and send me a new card. 8 days later no card. Called to get stairs 8 days later and they acted like it was a new investigation and another 10 days. Not receiving a new card after 10 days and called. Upset. 1 hr after the call "the investigation was declined". Called asked to be transferred to a supervisor after holding 30 min the call was disconnected. Will still pursue my dispute further. Will never recommend American Express already. Had my son close his account.

I have had my Serve card for a few years now, and up until last year, I had zero problems. I was one of their happy customers, and they never had to hear from me. Since last year, however, Amex has declined three of my transactions and held the amount hostage. Each time, the funds I tried to pay to the merchants were placed on hold for 8 full days. The first time this happened, I tried to make a payment to a hotel where I was staying. The transaction failed, even though the money was available. Subsequent attempts also failed, because Amex preauthorized the amount to be taken by the hotel.

Can not use the American Express Card from Hewitt Jackson anywhere which makes no sense. I finally went to Walmart and the machine said I took out more than I did. This is so upsetting. Im sick of getting ripped off by these companies. People do not get the American Express card ripoff. Most of the fast food chains do not even take the card now. Thats real bad. Im praying they give my money back.

For my son's birthday he wanted more than anything a new BMX bike frame. Since I was getting my taxes back I told him I would do this for him for his birthday. We go on the bike site, put in all of the information using the AMEX card, the website says "technical error try again." We try again 2 more times getting the same error message. Not realizing that AMEX is taking and holding the funds for these transactions that are not completing!! I call them and the bike company immediately following seeing the funds on hold, the people from AMEX told me "The transaction did not complete. Your money will be released within the hour."

Back in January, my husband and I were pre-approved for a Jackson Hewitt Refund Advance. This was loaded onto an American Express Serve temporary card, and we were advised to sign up for a permanent card as soon as possible. I did so that day, using the Android Serve app, and they sure informed us that we'd be receiving a permanent card within 7-10 business days.

I deposited a check to this card and have been waiting 8 business days for it to clear. When I originally called I was told that the check would clear in 48 hours. Five days later I called back and was told that the original rep was wrong and had no business telling me this. They said that the first check deposited can take 10 business days to clear. I was told it is in the fine print after you deposit a check. Had I known it would take 10 BUSINESS days to clear I would never have deposited it on the card. Amex needs to make their fine print available prior to submitting checks. They need to state this in the terms in conditions on their website. When you search their website this is nowhere to be found. It isn't helpful to see after I've already deposited the check. It also amazes me that half the reps are giving incorrect information to their customers with no desire to fix their mistakes or misinformation.

I ordered my American Express Serve card on 27 January 2017, the same day as I filed my taxes. I received my Federal Tax return on 20 Feb 2017 but cannot access funds because I have not received card. I called American Express Serve and was notified that they didn't send my card until my taxes came in and I would have to wait an additional 7 to 10 days. This sounded intentional. This is really unacceptable and why do they need to hold my funds for 7 to 10 days?

After reporting fraudulent charges for someone using my card, my case was reviewed and my account was suspended despite AE advertising 100% fraud protection. The customer service is someone in far East Asia who sound like they just woke up out of bed and was given a 25 minute crash course in English. I'm beginning to think American Express's own employees are giving out the card numbers and the fraud and corruption is internalized. If you have this card get rid of it and do not give out your personal information to customer service. Ignore this warning at your own peril.

I've had my Serve account for a year now. It's been OK no problems, they lie to you say you can get your money two days early. Lie. So I get paid every other Friday. Well today apparently they are experiencing "high volumes of direct deposit" today so my check is on hold. I'm pretty upset because I sent my refund to this card and now I wish I didn't because I want to cancel this card so bad! You can't even pay things online with AMEX. It sucks really. Don't get this card! They rip you off, the people rude. And you have to wait until the end of the business day to get paid! When you are supposed to get paid in the morning! Everything will be closed by the time I get paid and it's truly upsetting! If I could give ZERO STARS I would in a heartbeat! AMEX sucks credit or debit wise.

On January 25, 2017, I went to my local Walmart store to withdraw some cash. Instead of getting the amount I requested, I got a receipt. The receipt shows an "error" message and also shows that no money was dispensed. Made a dispute with American Express Serve. Phone call #1, was telling me to expect an email showing my how to go about making my dispute. Another phone call was made on January 30, 2017 to follow up on the email. The rep tells me that an email was sent. When I told him I never got it, he said that they weren't allowed to send out another email because of security reasons and to call back on February 7th. Called again on February 3rd regarding another situation and wanted to check on the email that I still had not received regarding my dispute. This particular rep told me, that they are indeed allowed to send another email out and it would take 24-48 hours before I received it.

Yes, my tax refund posted early. But watch out!! I spent 10 minutes on hold & then another 15 asking very specific questions about how I withdraw those funds. The rep told me to link my Serve to my checking and after transferring the funds that way, that definitively YES the funds would transfer immediately. As a backup option and for future use, he also told me to take my card to any Walmart and for up to $9 I could withdraw up to $5000. NOPE!!! I linked my checking and it told me to wait 4-5 business days just to verify the test deposit and another 4-5 business days for each transfer. So I drove 20 minutes to Walmart to withdraw the funds that way and they didn't know what I was talking about!! They swiped my card with $3000 on it and the message said the card is not eligible for cash!!

I have been a customer with Amex for a couple years now. I use their Serve Card, it has been very helpful to me, Until as of recently. I will Lay out the issue from start to finish. January 18th, 2017 I was shooting a music Video with (Smokeproductions) and wanted to have some behind the scenes photos, so I requested a photographer (CnyceProductions). I paid them both separately $100, thru PayPal. (Smokeproductions) Received his (CnyceProductions) Did not. The email I sent the money to he does not use any longer. Due to fraudulent activity. I call Paypal to resolve the issue. I tell them "Hello, I sent money to a email that is no long in use. How can I get my money back?” They say it should just bounce back if the email is no longer in use. I Say "fine, cool.”

I have used this card for four years until recently. I had fraudulent charges on my account that I reported in real time and as they were happening. Amex Serve said the charges were not fraud even though I had proof from the merchant that the charges were fraud. Serve closed my account and refused to accept the refund of the charges from the merchant. They are refusing to provide information they used to determine the charges were valid when the merchant and I both provided proof they were not.

I have called him several times over the past two weeks. Needless to say nobody could straighten out the problem on their website which I could see my statement is indicated to me I have to pay a $117.64 amount on February 14. Unfortunately that amount was paid on January 3 the end of the statement period and I paid $ 117.91 which I was told that was the statement balance so I overpaid a few cents. They can't even get that straight. I have proof of it. They thanked me for the payment. My next payment is due February 14 which was scheduled for February 3. I called up and tried to explain to them the situation about the statement. I was told they would transfer me to tech support. Get some young man came on the phone. I couldn't understand him because they outsource all their phone calls. All he was doing was reading the statement. He had no idea what was going on. Clueless.

On Jan 24, 2017 I proceeded to use the cash checking feature that allows you to deposit a check into your account by indigo which takes a picture of your check and then deposits it to your account for a fee of 5.00. I was able to complete all steps until the end when I received an error stating I needed to submit a copy of the voided check, which I already did and then the error said, "Sorry for the inconvenience but you will need to call." The check had already been approved and the picture of the voided check was confirmed by the program. This happened twice.

I called several times after being hung up on! They steal your money and tell you wait 30 days! The call center reps and managers have no customer service! Last week I swiped for $417 and the put it on hold, this week I did the same thing. They took out $469 and told me "oh we'll wait till it the remains is back in your account!!!" Wait, I never authorized $469 charge only $417 wtf!! What was the difference between this week and last week!!! There was none!!! How is it you can steal my money from me and tell me wait!!! Never seen anything like this before!!!

I have had AMEX for 30 years, that is until today... Last year I contacted the concierge to take advantage of so well advertised - was on hold for over 1 hour! This is for $450 fee a year (platinum card). Downgraded to green card last August. I did not feel like changing all the account information for recurring charges. I expected bad service, but for substantially less money ($95/year) - I WAS WRONG! Representatives are well trained to APOLOGIZE PROFUSELY! Waste of your time is beyond your imagination waiting to be switched between different "teams" - worthless.

American Express service is a RIP-OFF! All they do is steal your money and lie about giving it back! 312 dollars was taken from me and it's been a MONTH!!! Every time I call it's one lie after another! I don't recommend anyone to do business with them!!! I regret the day I put one dollar on that account. Since they want to continue to lie I have started the process of a lawsuit against them because I don't play about my money and I don't like being lied to!!!

Someone hacked my account for 1500 bucks and first time I called I was assured I would have it back by yesterday. Nothing. I call today and have to go through a lot of questions then today they CREDIT one of the thieves with my money. Now I have to wait 10 business days which is the 20th. How do they expect me to pay my bills??? I am so upset and a nervous wreck!! I Did Not Verify Any Of This. Look at my record from 2014 since I have been a customer. I have never added over $50.

I reported several charges on my account that were not mine. I live on the East Coast and there were several charges from Walmart, itunes and a restaurant in California and Nevada. I called to report the claim and was told that the charges would be covered and I would receive my money back. Within 48 hours I received an email stating my claim was denied and I had to write corporate in order to find out why. Luckily I had printed a report of all the transactions while I was on the phone with the representative because when I tried to access my account to see if there was a phone number for corporate I had been locked out of my account!!!

When looking at the issues people are having with AMEX and the apparent lack of response or just plain fraud by their customer service is shocking. I have been an AMEX cardholder for years and have excellent credit and until recently have had nothing for praise and respect for the brand. So rather than relate the recent very bad customer service I have received like being ignored and lied to I would like to offer you a solution that I have used in similar situations that actually works. Companies like Bank of America and AT&T.

I got a gift card from my daughter Serve/ American Express. After several months I wanted to use the credit card for the first time but the balance was "0". I was not aware of the monthly charge of $5.95. I called to find out why do they charge such amount. Their response was due to "maintenance on the account". I find it disgusting the way they rob without any logical explanation.

First off I'd like to say I'd give them a zero star rating if I could. Bought a ticket from Greyhound for 147 dollars and person that was going to come visit me had an emergency and couldn't come and let me know just hours after I paid for ticket online. Called Greyhound and explained situation and guy was rude but eventually agreed to refund my money and hung up on me so no further documentation or emails followed. Couple weeks later went looking for my money on serve card and it's nowhere on there so filed dispute and it's been two months. I'm on second dispute and they keep telling me they need additional documentation which I don't have so guess Greyhound wins since they need the money much more than I do. Tried reaching dispute Department and they won't let you speak to them. Crappy service from a card carrying American Express on it. Get a different card. Take my advice.

I have had SERVE for over 2 years. I use it to avoid using my bank/credit cards to avoid the possibility of them getting compromised. I had two charges show up on the card and I immediately called AMEX regarding the charges. I live in Miami and the charges were in California. I was told that they would immediately replace the card, and that I would need to call back once the charges had posted to the account since they were in a HOLD.

Wanted to go to a prepaid card because I don't like using my bank card. Even had my employer set up direct deposit on it to get paid a few days earlier. Everything had been going great for months. Was able to go to atms, withdraw money out and go on about my day. Last Wed Dec 8th I tried to withdraw 620.00 dollars out and nothing comes out. Says transaction was cancelled and machine is currently out of order so I am like ok, go to a ATM down the street try and pull money out.

Yes, they have free loading and yes, POS purchases are free but cash back isn't allowed so that they can charge you an outrageous $2.50 plus the ATM you are using charges you. So, you're paying about $4.00 - $4.50 every time you need cash. They are supposed to have a Free ATM network, but it's pretty non-existent and if you are lucky enough to find one, it doesn't work. Your money also isn't protected from fraudulent merchants. I placed an order and was promised a refund from the merchant. After a few days I contacted AMEX and they told me to reach out to merchant again, they probably forgot and to check again in a week. I checked back a week later and was told they would continue with dispute but to call back in a month. A month later, they denied my dispute saying that since Pizza Hut didn't return to pick up incorrect order, I am responsible and they refused to give my money back. Needless to say, I no longer use their service.

My employer send my check. Direct deposit. Gave me a trace number, read my account and routing numbers... and the exact amount. American Express Serve said they did not receive it and nothing they can do!! I'm out my entire check of two weeks plus holiday pay!!!

I called Amex Serve to put in a dispute after going to an ATM machine to take $20 out my account. It said transaction error so I tried a couple more times, I got the same message. So I got my receipts and tried at a different ATM machine and I successfully got my $20. Later that day I looked on my account and noticed that the money was taken out my account the first 3x I tried and didn't dispense the money. So I called Amex customer service to put in the dispute. The next day they credited my account of the money the ATM didn't dispense to me and the following day I get an email stating that my account was closed for a violation on the terms and agreement. I called them to see what was going on with my account and they had no answers. They are horrible. So now they have my money in that account and I have no access.

I've had the Serve card for almost a year and have never had a problem. The only downside is it's not accepted at a few of the places I frequent, so I pay cash. There are never any fees, as long as you use the listed locations for reloads and withdrawals. I have direct deposit, which is great! I also love the mobile app and they're always up to date on emails and alerts. Overall, I've been very pleased with the Serve card.

Rushing to complete a paper due I used my card at the FedEx print shop. I inadvertently left it in the card reader. Someone picked it up and helped themselves to my money. It was two days later that I went looking for it and realized it was gone. I checked my account and there was hundreds of dollars' worth of transactions that I did not make. I immediately contacted AES and reported this. They said a "complete investigation" would be done, however in less than 24 hours I got two emails; one stating that the charges were valid, the other that my account was closed due to a violation of their terms and conditions. Panicking, I called into their HORRIBLE customer service (overseas) and was told there was no one I could speak with and nothing more I could do. After begging the rep and supervisor for ANY type of suggestion they provided me an address to write to.

I don't get checking accounts with banks because they over charge me which is why I stick to prepaid accounts. I have had multiple prepaid accounts so by experience this is my favorite card to use. Their customer service is excellent, I don't have any complaints. The only downside of using American Express is that not so many merchants accept it, which is a bummer. Other than that I'm very happy with my American Express Serve Account.

I conducted research on this card along with several prepaid cards as a trial for our unbanked employees to receive direct deposit. My direct deposit was rejected by American Express and never returned to my employer's banking account. I was told by American Express the account has a block due to suspicious activity. When I asked for specific information pertaining to the activity none was provided. This company is not an FDIC insured bank, they are a holding company that is able to steal consumers' money and get away with it because the consumers deposits are not insured or protected.

My Wife's Serve Card was lost - so on October 6th I called the 800 Number, requested a Replacement, and told to wait seven to ten days. After ten days I called Customer Service - on a daily basis - as the Card never arrived. I was told: 1) That their Card Printing System was down in September, which affected Card Printing, 2) That their Card Printing System was down in October, which affected Card Printing, 3) That the Post Office had not verified my Street Address, 4) That Credit Cards are only delivered on Thursday, for Security Reasons, and 5) That seven to days is just an estimate, and that it could take six weeks.

I lost my Serve card one night. I looked for it for about 2 days when I realized it wasn't in my possession anymore. I looked online and saw that it was being used and they had used 106 dollars of my money. I transferred the remaining balance to my mother's card because I knew once I called they would deactivate the card. So I called in to let them know what was going on. They said they would do a investigation and it would take up to 45 days. I agreed and called every week to see what the update was. They said it was still being investigated so I waited.

I made a dispute about three airline tickets purchased with my Serve account, they claim they investigated the purchase and found they were valid and authorized. I DID NOT MAKE THOSE PURCHASES. They did ask if the card was lost or stolen, and I said "no, it wasn't". To add insult to injury, they also locked the account and said it would be unlikely for them to approve another account. Instead of explaining exactly why the account was locked, they just threw an error code at me from their onerous online agreement. It wasn't until I talked to someone on the phone that they hinted that the lock was because of the dispute.

They have poor customer service. I submitted a claim for a charge that was not my own but someone had compromised my account to pay their bill and I was penalized and had my account shut down because I knew of the merchant but did not use them with my account with serve.

On 09/12/2016 was trying to make a deposit on another account and my money was put on the wrong account. The transaction was cancelled by the other company the same day. I called American Express Serve on 09/15/2016 and the rep told me that it would take 3-5 business days for the money to be returned to the card and now today I was told that it would be 8 days. I just got out of the hospital and my blood is septic and I have a antibiotic that I have to have because I have poison in my blood. I can't wait 8 days for the money to be returned. I need help now before I get sick again. Somebody please help me. These people are liars and this card is a scam.

American Express allowed CheapOair merchant to force a payment where there were no funds available to do so and put a negative balance on an account and the card is prepaid! They're holding $500 of which was for my rent and they want me to wait 10 days while they dispute with CheapOair. Neither party is assuming responsibility and no one from American Express is being helpful. CheapOair is stating American Express is the one who charged the account twice for $895.00 and they allowed the merchant to do so with no available funds in the account and they put the account in negative $397. I need help. This is not right and it's fraud!

I attempted to make a withdrawal from my Serve account at the ATM. The transaction was declined, the receipt read "declined host error". I attempted several times to complete this transaction, each time with the same results. Finally, on the 5th try the transaction was approved and cash was dispensed. Unbeknownst to me, the funds plus, fees were being deducted although no cash was dispensed. I called customer service after I discovered the error. I was informed that I would receive an email with a dispute form attached. I was to complete the form and return it within 10 business days. To my surprise, my account was closed two days later. I was informed of the action by email and no reason was given. When I tried to download and submit the dispute form I was unable to do so. However, I responded in writing via email to their supposedly secure site.

I am having a very bad experience with the American Express VIP ONE card. I attempted to withdraw some money from my local ATM, this was on April 29,2016. As I said I attempted to withdraw $200.00 from the ATM and the ATM only dispensed me $100.00. Since then I have been going round and round with American Express ever since. I filed a dispute with them as they instructed me to do. They gave me a provisional $100.00 while they investigated the matter. Needless to say they closed my cases on June 10, 2016 in favor of them. On June 13, 2016 the ATM company Allpoint sent documentation that I was shorted at the ATM on April 29, 2016. American Express then took back the provisional $100.00 which left my card - $100.00. Came the time for my monthly check to be deposited I was short and had to live without going to the grocery store for the month.

Fraudulent transactions - I have been in contact with these people I don't know how many times... and I still don't have my money back after waiting for their stupid review which on their end it wasn't fraudulent. So they closed my account but it indeed was so the company sent my money back to AES but by this time they closed my account like I did something wrong. Asking to speak to a supervisor is completely useless and I still have to wait to get my money back even though I did nothing wrong. This card and this company is a joke. I'm so frustrated. All I wanted was my money back that should have never been touched in the first place!!!

I have been a Serve member for almost three years. The other day they lock me out my account with no explanation. They tell me I was in violation of one of their terms. I tell them "this is not true, please show me your evidence." They then say "that is not important, the only thing that matter is our decision to close your account." They have stolen over 500 dollars from me. I will do anything to get some justice from these low forms of life.

I noticed 2 fraudulent transactions on my husband's account that were made one right after the other. I immediately notified AES. They explained that they can't do anything until the two transactions have actually cleared. Then we would have to wait for AES to investigate the transactions (they admit were fraudulent) to determine if they are in fact fraudulent. Then we would have to wait 10 to 15 days to get our hard earned money back. After requesting to speak with a supervisor, we were put on hold for over an hour and a half, only to be connected to another associate. They had no real supervisor available. I'm shocked that this account is in any way affiliated with American Express. Unfortunately, because of the way my husband's account was mishandled, I will be closing my account as well as my son's account. They have no protocol for determining fraudulent transactions and when they are immediately brought to their attention, nothing is done.

Over a year ago, I was asked by a Starbuck's location to use my phone/scanning to receive a $5 coupon. What they failed to mention was that the transaction is facilitated through American Express Serve. I have for over one (1) year been trying to delete this account w/ AES unsuccessfully. I do not have an American Express Card or account of any kind, never applied, nor do I want one. When I try to go into my account attempting to find a "Delete" button, I continually come across "security questions" that I have never been asked or could possibly answer, so essentially AES keeps me locked out from any possible successful Log-In. I have also SENT a letter to AES demanding elimination of this account.

I lost my card and before I canceled it I asked the consumer representative if there was ANY WAY I could get my money off of the card before it was cancelled. The agent told me there was no way except to get a friend or family member to buy an American Express Serve card and open an account themselves, then transfer my money to that card. So I cancelled the card and ordered a new one. Later I go online to the Serve website and find out there was an option called RIA in which my funds could have been transferred to any Walmart in the U.S. or Puerto Rico. I called back and asked if I could use the RIA option and was told no because the card was cancelled and I would have needed to tell them the 3-digit security code on the back of the card. Well I told a supervisor, I HAVE THOSE NUMBERS SAVED!!

If I could give this company a -0 I would... I signed up to receive an American Express Serve card 2 months ago... 2 MONTHS AGO and I regret ever signing up for this crap. I recently reported some fraudulent activity on my acct and was told that an investigation would ensue. A week later I get an email saying that not only will they not credit my acct the money that was taken from these fraudulent charges, but that my acct is being suspended permanently. I was told that their "investigation" determined that the charges were not made under any fraudulent circumstances. However, after personally contacting the companies that were in question, I was told that someone with a different name and shipping address (which is another state) made the purchase.

I have been using the Serve card for 4 years now and have had no problems until just this last week. I made an online payment to the hotel where I'm staying, which declined on the hotel's end. American Express put the funds on hold, however, and after two 3-way phone calls between myself, American Express, and the manager of the hotel who confirmed that they WOULD NOT be able to receive the money I tried to pay to them, American Express refuses to release the funds back into my account. I have now had to come up with additional funds to pay the hotel, and I am now left completely broke. I now have 4 more days to wait until my funds are released, and meanwhile, I cannot feed myself or my 2 kids, or put gas in my car. They absolutely refuse to help me. I am currently searching for another financial institution who can handle my money properly, at which point I will say goodbye forever to the Serve card, and American Express.

My husband received SSA retirement and in May 2016, he called Serve on May 1, 2016 speaking about why his check did not deposit 2 days early as the Serve Card had advertised and the rep said "It depends on the company and when they would allow the money to become active." We found out that The Serve Card had and is still currently posting false advertisements. Normally my husband receives his retirement check at midnight (1 minute after the clock flips over to the 3rd day of every month) which when he checked his Serve Card the money was not on his new account. We contacted the Serve Card and they said "Your card does not show any money to be applied nor a pending transaction."

Got a hotel. They didn't authorize a hold of $25 but American Express did!!! They steal money from you over and over!!! Don't get one or you will be beyond sorry. I lost total of $350 from them doing this.

I ordered a Serve card so I can keep all my business expenses organized for tax season since I am a self-employed consultant. I only got to use it once before it was stolen. Someone charged a bunch of small stuff totaling approx $450, which I disputed. They sent me a new card and I got to use it only about 3 or 4 more times before they abruptly shut down my account. Turns out they declined the entire disputed amount, then "I" was considered in violation of their agreement, so they shut down my account. They won't even let me sign up for another one! So two things here: first, if you get fraudulent charges on your Serve account, good luck with that! Then, if you report fraud on your card, prepare to "be in violation of their terms" (since most likely it will be declined and it's YOUR fault) and get shut out of the service for good!

I ordered the card online, received it. The direct deposit slip number came with card to give to employer. I did just that. Payday comes and no money. I call the customer service number for the Serve Card. A guy states "Oh we are sorry. We provided the wrong direct deposit number. Here is the new one." So now I'm out of money for another two weeks. I am getting a lawyer and suing this company for their wrongdoing. Who know whose account my direct deposit went to. DO NOT GET THE CARD!!!

I recently had 2 unauthorized charges from the same merchant and, when I called to make a fraud claim, they accepted 1 but denied the other making my account negative. I have spent a month trying to sort this out, going through supervisor after supervisor, trying to explain that both charges were under the exact same fraudulent circumstances and the other charge needs to be credited. For a month, I have been told that someone in the "claims department" will email me and for a month I have been ignored. I have family who worked in the real credit card fraud industry and I know exactly how things are supposed to work. Serve by American Express is failing miserably in every aspect of fraud resolution and even customer service.

I HATE THIS CARD!!! On Friday, April 15, 2016 I was expecting part of my payroll deposit to be on my card, $200. Payday has come and went, and still no money. I go to my HR department, and they confirmed for me that the deposit was sent and received successfully. They even gave a trace number. Now SERVE can't find my deposit, and they say they never received it!!! I'm PISSED!! This is my hard earned money that I have confirmed on numerous occasions, about the routing number and account number, and that it was sent SUCCESSFULLY.

My Serve card was hacked and when I contacted American Express they said they would have the money back within one to two days and someone would call me. Well no one ever called me and I never received the money. They just suspended my privileges and locked the card. When I called to ask why they said they had no information and all I could do was go to the police and file a report. I will never recommend them to anyone. They are pathetic and the customer service is ridiculous. This happened on 3-30-2016.

My card was suddenly froze in January 2016 with no notice, no email, nothing. When I called and asked them why they said "upgrades". I loaded over 100 on the card that same day at local retail store. The clerk told me the load went through. It is now March 2016, and I have yet to see the load posted on my account. American Express blames the retailer. They gave me a provisional credit - then took it back. Questions: 1. Why would they freeze a good, active account without any notification whatsoever? 2. Why would they still allow a retailer to accept loads if their system was down?

My account was hacked 03/15/2016. I call American Express Serve fraud department. They said will call me back in 48 hours. Well these people not only didn't return my calls they closed my account and send me a $2 dollar check. Please people out there don't trust American Express Serve. It's a fraud. It's not secure. Tell people out here it is not secure. I will keep reporting these crooks to all websites so people don't get rob. I have send a letter to the BBB and DEPARTMENT OF JUSTICE. Please everybody do the same. We can make a difference. I was rob $600 dollars.

I have called and called to discuss what is going on with my or refund that Jackson Hewitt put on this American Express Serve card. For one the card came to me already activated. Strange I thought. And I checked my balance to see thousands of dollars gone. So I've called 8554316040 hundreds of times. Mind you this is all located in the Philippines. I've been hung up on, no credits back to my account and yesterday 3/1 tried to use my card and it's LOCKED! REALLY. This is bs, a total fraud. What's worse is that I was trying to pay my phone bill and I can't even do that. So out of the thousands of dollars stolen I can't even get the last 130 left out of all my money. What can I do? I am sick to my stomach from this.

Highly pissed off at American Express Serve!!! On about Feb 5, 2016 I had about $2500 dollars on this card and was saving it for a new car. The next week by Friday Feb 12, 2016 I had neg $190! I was like what the hell happen? I called American express serve and they told me a supervisor would call me back within 24 to 48 hours, that never happen? I then fill out an affidavit for a fraudulent activity, then 6 days later my account was locked then permanently closed. When ask why? They answered I violated a cause 15, which when I read that code it didn't say anything I did wrong. Now that my money is missing and my card is lock, I don't have access to my account and they refuse to answers me. WHY DID Y'ALL CLOSED MY ACCOUNT AND WHERE IS MY MONEY? Y'all allowed someone to steal my money!!!

Be careful with this card. I had a Serve account for about 3 years. On Thursday, 11/12 I received 2 emails from Amex Serve telling me that my account had been locked due to possible fraud. I called as soon as I saw the emails, about 7:00pm. Since then I have called 10 times a combination of customer service and fraud protection. I cannot speak to a supervisor. A supervisor was supposed to call within 48 hours. To date (Sunday night, 11/15) no one has called. No one can tell me why it was closed. I have no idea if someone used my card fraudulently. I can't access my account. I have no idea if or when I am getting my money back (there was about $900 on the card). I have tweeted. I have called the executive offices. No one is willing to help.

I was a new immigrant. When I arrived in the United States after applying Serve card, asked me to provide SSN CARD and American ID card, driver's license or a passport issued by the United States. Because I am a new immigrant, Only have my SSN CARD, nothing else. I just submitted my immigrant visa page, and send my card through. After that there is no reason to close my card, send me EMAIL say code 15d. After I call in to Account Protection Services, they say no, told I can not reapply for the card, no one can appeal. Grumpy people who work there, simply can not understand and to help customers.

My account was closed and I was not even given notice, nor an explanation on why. Funds are still available in my account and American Express will not give me my money when I requested. They told me they will mail my funds which will take up to 5-10 days, and said if I had any questions to write a letter to one of their departments in Utah. All of my funds are in my account and I happen to be out of town. I have no money for food, hotel, and gas. I can't even get home to get the check they send.

Here is details of my complaint. I have had a SERVE by american express prepaid debit card for about 9 months. I have loaded several thousands of dollars and even received my Tax return on this card. As of 5/20/2014, Serve has blocked my account because they said I was making too many purchases and returns. I had over $8,000 on my card and the 3 sub accounts linked to this card. Today I got a call from the serve card telling me that I am not going to get any of my money back that is on these cards and they are sending all the money back to the merchants. First of all they have NO right whatsoever to take my money. I made these purchases and have receipts for each and every one of these purchases, and if I want to return something back to the store I have every right to. Serve has NO right to block my card and keep $8,000 of my money including my tax return.