American Express Serve Customer Service Issues

I am experiencing numerous issues with my American Express Serve debit card. The card is not widely accepted, and there are high ATM fees associated with its use. Despite the promise of cash back rewards, I have not received any. After making purchases through PayPal, one transaction was canceled, and the other was refunded. However, when I contacted customer service, I was told to wait for the pending transaction to post, which took days. When I called back, I was transferred multiple times before being informed I would have to wait 7 business days to receive my refund. Even though I provided transaction numbers and proof of cancellation, I was met with resistance and disrespect from a supervisor who ultimately hung up on me. I am frustrated with the lack of transparency and slow refund process. I demand my money back promptly, totaling $[redacted].

I attempted to send money through RIA using my Serve card, but the transaction was held. Without any communication from RIA regarding the issue, I discovered that my Serve account was permanently closed when I attempted to access it. I suspect the problem may stem from having changed my phone number and email address previously, which are still linked to my Serve account. Unfortunately, contacting Serve has been challenging, with no success all day. My former email was [redacted] and phone number [redacted], and my current contact details are [redacted] and [redacted]. Any assistance in resolving this matter would be greatly appreciated, as contacting Serve seems impossible with long wait times on the phone and no response to emails.

On February 27, [redacted], I attempted to withdraw $[redacted] from my checking account at an ATM. After the funds were approved and the money started dispensing, I was not able to grab it quickly enough, causing the machine to retract the cash back. I had to make another $[redacted] withdrawal to successfully receive the desired amount. Although I got the second transaction, the first one wasn't completed, and my account was still debited $[redacted]. I am reaching out as a necessary step in disputing this charge, seeking assistance to resolve this matter. Any help in addressing this issue would be highly appreciated.

We allocated funds on our Amex Serve card for our daughter's prom dress. After ordering and paying for it on 3-7-19, the company informed us on 3-16-19 that they couldn't fulfill the order due to supply issues and would refund our money. They emailed on 3-23-19 to confirm the refund processing, which appeared on our statement that day but was placed on hold by Amex for review. Amex explained that the hold is standard procedure and advised me to check back on 4-2-19 for the status. They couldn't provide further details despite the urgent need as the event is on 3-30-19. We are now forced to consider re-purchasing the dress, causing financial strain. This inconvenience is compounded by just transferring to a new Early Access card for direct deposit. While this is my first problem with Amex, if the refund delay persists until 4-2-19, I will reconsider my banking options and loyalty to Amex.

My American Express Serve account was suddenly suspended and permanently closed without much explanation beyond a vague mention of inappropriate and fraudulent behavior in an email. I'm unsure of what I might have done to warrant this, as my financial activities have been routine with direct deposits and bill payments. With only 24 hours' notice, my direct deposit will bounce and my bills will be late, impacting my credit score negatively. When I tried to get more information or make arrangements, the customer service representative, Dave, couldn't provide clarity on the situation or offer a reasonable explanation for the lack of notice. Given the nature of identity theft experiences in the past, I am concerned about the closure but have been unable to reach anyone in the resolution department directly. Having to communicate via letter to dispute their decision feels unfair, especially considering the inconvenience and financial repercussions of losing access to my account with all my scheduled payments.

I received an email notifying me that my American Express Serve Account has been permanently suspended due to activity that violates the terms of the Serve Consumer User Agreement. I am unsure why this happened as I have tried to contact customer service, but I have not received any answers. I would appreciate clarification on this matter.

I have been trying for over four days to get a canceled charged amount, which is still showing as pending, back to my account. I have called customer service and requested to speak with a Supervisor, but I was put on hold twice with no one answering. The merchant has already processed the refund, and now American Express is holding my money for eight days. It is frustrating that even though this is a 3rd party card of American Express, their offshore customer service representatives seem to have trouble understanding the issue at hand. I urgently need this situation resolved as soon as possible.

On March 25th, I contacted to report my lost card and inquired about expedited replacement, which would normally cost $25, exceeding my account balance of $7. The regular fee was $5, and the card was to be processed with the possibility of waiving the fee, arriving by April 8th. I stopped my direct deposit anticipating the new card. On April 4th, upon checking, I was informed the new card wasn't processed due to not opting for express shipment. Despite requesting a supervisor and being promised a call, I received none. Subsequent calls on April 5th revealed discrepancies, with one representative abruptly hanging up. Discussions about delays caused by errors, lack of supervisor follow-up, and unhelpful conversations led to frustration. No resolution was achieved, leaving me inconvenienced with upcoming direct deposits and a sense of poor service from American Express Serve.

I attempted to use the bill pay feature on my mobile app but mistakenly input the wrong information. As a result, $[redacted].00 seems to be missing, even though the bill was already paid. Unfortunately, every time I contacted customer service, I encountered extremely rude operators who didn't listen to me and simply said my money was lost with no solution. It's hard to believe American Express would leave a card member in this situation. I need that money refunded back to my account urgently.

I contacted American Express regarding my Serve card and the unauthorized transactions on my account. Despite explaining the situation repeatedly, I have not used my card on Lyft or Uber, and I am aware that American Express Serve is not accepted on those platforms. Although I called multiple times, only one representative provided some information but it was misinformation. I was informed to wait 45 days to receive a form in the mail, yet I have not received any correspondence via email or mail. I am extremely disappointed with American Express as a member since [redacted]; this has never occurred before. Today, when I called, I was transferred to a dead line and received no assistance. I want to clarify that I do not use Lyft or Uber, and I certainly do not own a $[redacted] iPhone, as my phone is a $[redacted] model. It is frustrating that someone managed to access my funds without authorization.

I have been struggling for two months to receive my tax refund loaded onto a Serve card; unfortunately, I never received this card in the mail. The customer service number provided has not been helpful, offering only options to either get a card or activate it, both requiring an account number and PIN that I was never given. The automated system does not provide an option to speak to a support representative without these details, abruptly ending the call. I need guidance on how to contact a real person to request a replacement card so I can access my rightful funds. The entire situation has been incredibly frustrating. - Eric H.

I received a statement from American Express in October [redacted], which I paid. However, it was credited to the wrong account. When I received a statement in December [redacted] with a penalty, I contacted AMEX, and they agreed to waive the penalty. I paid what I believed to be the balance of $22.68 with the receipt number w9408. Despite that, I received another statement with an additional penalty. Upon contacting AMEX, they explained my payment was short by 33 cents, but I made a minimum payment of $1.00 on March 9, [redacted]. Subsequently, I received another statement in April [redacted]. After multiple calls to customer service and conversations with different representatives like Jessica, Matt, and Della, I was reassured that the issue was resolved. However, I recently received a notice that my account was sent to a collection agency. Despite speaking to a supervisor on May 6th, I have not received a callback. I am considering seeking legal advice or sharing this experience on social media.

Subject: Important Notice: Account Suspension and Refund Process Dear Jamie Gavin, We regret to inform you that after reviewing your American Express Serve® Account, we have found activity that violates our Consumer User Agreement. Consequently, your Account and privileges have been permanently suspended, as per Section 15(d) of the agreement. The remaining balance of $[redacted].76 will be refunded to you via a check sent to the address we have on file. Please let us know if you need any further assistance regarding the refund process. Sincerely, Jamie Gavin

I am trying to reach a live customer service representative, but the only contact number provided on the website redirects me to an automated system. The phone number listed on the back of my card, 1-[redacted], does not connect me to a live agent. I am looking for a direct number to speak with a representative to address my inquiries before committing to using this card for my monthly $1,[redacted] direct deposit.

Since I first activated my Amex card, I have consistently reloaded it using my debit card without any problems. Recently, when I tried to reload, I encountered a technical difficulty message and was unable to transfer money. After contacting customer service, a representative mentioned potential fraud on June 14. However, I have not experienced any fraudulent activity with my card, nor have I reported any issues. Despite this, the representative was unable to clarify the situation or assist me further. I have always used my card for in-store and online purchases, as well as reloading without any trouble. Now, I am unable to use my debit card to reload, which is perplexing considering I have no knowledge of any issues. I believe this issue should be resolved promptly, especially since my other card connected to the account is functioning normally. The communication barrier with the representative made the situation even more frustrating.

I have contacted American Express Serve multiple times since May 31, [redacted], regarding a $[redacted] credit issue due to an error at a cash machine in a Safeway store in Corte Madera, California. Despite repeated explanations, they have not yet credited my account during their investigation. The faulty machine was situated near a Poppy Bank, and the bank manager, Lauren B., witnessed me attempting to withdraw money without success. To date, Poppy Bank has not been contacted by any representative from Sovereign Bank or American Express Serve regarding this issue. I urge prompt resolution within 24 hours, as I have consulted my business attorney to pursue this matter if necessary. I request that a manager above the supervisor level reach out to me today. This delay has persisted for almost 60 days, and I seek a swift response. Thank you.

I contacted American Express Serve and PayPal about cancelling a transaction on 07/19/[redacted]. Both advised me to wait 7 days for my $[redacted].35 refund. American Express Serve initiated a dispute today. PayPal suggested contacting my card issuer to request a reversal, but the issuer prefers to proceed with the dispute for the full 10 days. What steps should I take now?

On June 25, [redacted], I was double charged at an ATM by American Express Serve. They claim two transactions occurred simultaneously at the same minute on the same ATM. It should be clear that I have been double charged, but they state it will take at least 10 days for a resolution. I currently only have $0.37 in my account because they are holding $[redacted]. I have contacted them, but after 6 days, the investigation is still ongoing. It should not require a lengthy investigation; a simple phone call should suffice to return the money to my card. I am frustrated with this process. I am considering joining a class action lawsuit against American Express for holding onto our funds unnecessarily. I feel they benefit from this practice by earning interest on our money. I hope American Express reconsiders their practices to better serve their customers.

I experienced a double charge issue on June 25, [redacted]. I was billed twice, once for $[redacted] and once for $[redacted] on both my American Express and bank accounts simultaneously. This occurrence seems unlikely because I could not have initiated the transactions that quickly. It has been 7 days since I started the dispute process, excluding weekends and holidays. I would appreciate it if you could expedite the refund process by contacting the relevant parties. The standard response suggesting a 10-day wait time appears designed to delay the refund. I suggest refunding the $[redacted] promptly to resolve this matter amicably.

I believe I was wrongly charged by a moving company for $[redacted].50 without authorizing or using their services. Despite my attempts to resolve it with the merchant, I received no response, so I escalated the issue to Serve. After providing all requested documentation and a detailed explanation, I followed up with a call to inquire about the status. Yesterday, I contacted Serve again as they denied my refund without a clear explanation. During the call, the representative mentioned trying to reach the dispute department, but the call got disconnected. I inquired about the evidence provided by the merchant that led to the denial, but the representative was unable to provide an answer. As a single disabled mother with a disabled child, this amount of money is significant for me.