I received a Gift Card from my employer for $100. I tried to buy Airpods from Apple one day. I tried for a total of 6 hours on the phone. I have been told 3 times now that I've lost my money. The guy keeps telling me that the transaction in a place called the Supreme Chinese for $99.97. I heard a dog and a goat in the background when speaking to this guy with a very thick accent from the middle east. They won't give me the money back and I'm so so very happy for their little scam. Amex doesn't care about it because it doesn't affect their cardholders. If you get an opportunity to read this, PLEASE don't do ANY business with the company. I always value a company exclusvely on their absolute worst scenario and this is something that brings their cream to the top.
Serve American Express has fraudulently denied receipt and credit for a $500 cash payment that I made on a Serve prepaid credit card. I provided them with the actual cash receipt with the CVS store address, date and time, and last 4 digits of the prepaid debit card number.
The $500 deposit showed up on the online account when I obtained the replacement debit card with my name on it. I then destroyed the temporary debit card since I no longer needed it. I registered the new replacement debit card online which showed the $500 balance. Two months later, I tried using the new Serve card for the first time and it was declined. I went online and it showed a zero balance and the $500 deposit had disappeared from the online records.
Customer service told me that since I no longer had the temporary Serve card or the temporary Serve card number that they cannot verify the initial $500 cash deposit.
This is corporate theft by fraudulently denying receipt of the $500 cash receipt. Serve American Express has my money and will not credit my account or give my money back to me. I plan on taking further action, including filing a complaint with the New York State Department of Financial Services which licenses credit card companies.
I have had an American Express Serve Account for several years. I have had direct deposit from Social Security and used as my bank.
It has been well over 6 months since I have used the account except to pay a phone bill.
I get an email today saying they reviewed my account and found suspicious activity.
From American Express:
(During our recent review of your American Express Serve® Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement.
As a result of such activity, and pursuant to Section 15(d) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended.)
I have not used the account so how could there be suspicious activity.
This is a scam. I called American Express Serve and a recording rudely said my account has been closed permanently and hangs up at that point. I have my Social Security in Netbank and have had for some time. There could be no activity except on Netbank.
Furthermore they refused to let me see my account, activity or balance. I have a $1.81 balance they have evidently kept.
I am disappointed because at one time they were my favorite card. I need my records and they refuse.
I received a Serve American Express pre-paid card as a birthday present. Upon receiving it I saw on the outside of the package that there are no hidden fees and the expiration date of 7/23. I did not need it right away so I put it in my safe. I pulled it out recently, registered it for the first time on 4/19/19. I then checked the balance and found that it had a zero balance. I called customer service to find out "what the mistake was" and was told that all of the money had been used up by the monthly service fee of $6.95/month.
In my opinion, this is theft of service, false advertising and fraud. The customer service person said that "no hidden fees" meant that if you open the package up and read the fine print that all of the fees are outlined. Do not let these people rip you off like they did me. I am surprised that a class action lawsuit has not been started against this company.
While I was at work, I rec'vd ONE email stating that a transaction was denied and if I recognized the transaction on 03/23/2019. I logged into my Amex Serve account and to my surprise there were fraudulent charges adding upto $1400.00 on my account. All the transactions (11+) were done at a Footlocker in New Jersey, a parking garage and a restaurant also in New Jersey.
I am nowhere near NJ nor do I travel there & I certainly will not spend that amount of money in a footlocker. I was working that day. When I called customer service they asked me if I had my card on me? Of course I did! I canceled my card. Now I'm waiting on a 45 days investigation, with no money and no card.
This is the 2nd time this happens to me with Amex Serve. The 1st was in January 2019. I also had fraudulent charges totalling upto 120.00 from 2 Rite Aide location in NJ. I was assured it wont happend again by a customer rep unfortunately it did.
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.
It appears since the joint venture was announce , Serve Card customers have reportedly notice a consistent pattern by both companies denying CUSTOMERS access to their liquid cash deposited into our accounts via CVS Pharmacy, Walmart and other add cash to the card locations as out-lined in the American Express Serve Card Terms of use agreement.
My 83 year old grandmother on a fixed income of $1,800.
00 monthly had been receiving direct deposit on her American Express Served Card for over 5 years without a hitch of getting access to her funds.
Two days after receiving her last deposit, she ask us to drive her to grocery store to stock-up on some supplies. To our surprise when she swipe her Serve Card to pay for mere $78.00 worth of merchandize the check-out cashier politely inform her the card was decline.
We paid in cash, went home and subsequently Log on the American Express Serve Card website, to our dismay we discovered the entire $1,853.67 was now on hold by the merchant, therefore denying the old lady the use her much needed money to purchase medicine and other essential items for her health, while no option to imitate an online dispute is avail.
We proceed to call the customer service number at the back of the card (800) 954-0559, The Interactive Voice Response (IVR) only provides automation information, lacking any options to speak to live person. Using some social engineering we was able to come up with a direct number of (800) 555-4318, resulting in being transferred repeatedly to several live persons located off-shore outside the United States. It should be noted, Speaking to an educated, properly trained representative is difficult. Many of them have strong language barriers that creates miscommunication. The Customer Service Representatives (CSR) are generally rude, speak with a foreign accent, informing us, to wait six days for the moneys on hold to be place back on my card account.
After waiting six days and noticed no funds have been credit to the account, we called back the same number and being told by very impolite and unprofessional CSRs, American Express Serve Card will being a dispute and we must wait an additional twenty (30) more days for the process to complete according to the Terms of Use that my grandmother had agreed upon when the account was open. 30 days comes and goes, and contact is made again with American Express Serve Card to no avail, and no refund of old ladies money.
On day 37, we contact American Express Cooperate headquarters in New York City (212) 640-2000. We were transferred to American Express Executive Assistant Ms. P. Coleman Newman. We were told to expect a full refund in three business days. On day 41 we called and e-mail Ms. Coleman Newman and was ignored. The next day we received an e-mail from her requesting we log back into the account and upload the store cash receipt to initiate dispute, as it will turn out to be, American Express had shut down my grandma’s account.
It is very important to note, this deceptive conduct by American Express and INCOMM is not just limited to our grandma, as there are numerous in excess of 1,700 customer complaints beginning from May of 2017 to as recent as November 12, 2018 on the Consumer Affairs Website reporting the same on-going scams like ATM withdrawal, when the money was not dispensed and the ATM told customers they had insufficient funds but still deducted or freeze the amount from the accounts. (consumeraffairs.com/finance/american-express-serve.html).
Additionally American Express new CEO Stephen J. Squeri, INCOMM CEO Brooks Smith, President Phil Graves and not so honest shyster General counsel Michael D. Gruenhut are all aware of this on-going scamming activities for at least 18 months but choose to ignore this massive fraud perpetrated on millions of American citizens customers to include 83 year old little ladies on fixed income.
If you are a victim to this American Express/INCOMM scam, call or write a letter to the office of the Controller of Currency (OCC) Customer Assistance Group (800) 613-6743
Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street
Suite 3450
Houston, TX 77010
You can also file a complaint with Federal Trade commission (FTC) on line at (ftccomplaintassistant.gov/GettingStarted?NextQID=210&Url=%23%26panel1-2#crnt ) or call (202) 326-2222 or write to: Bureau of Consumer Protection
The foriegn accented customer service people blamed me for ripping myself off and kept my money and deny me access to the account which is still open in my identity
Amex is hiding behind a cleverly crafted "Terms of Service Agreement" that can barely be interpreted by expert attorneys. When funds are depleted froma victim's account, Amex shuts down the account making it impossible for the victim to analyze what happened to his or her account and impossible to analyze the "Terms of Service" since this text lies buried deep in the bowels of the web site which the victim is locked out of one th a account is hacked. Amex has a fiduciary responsibility to protect its customers and to make whole any customer who has been defrauded by a hack or any other means.
My wallet was stolen and a charge of $300 was taken from my account. I immediately contact customer service and within seconds they emailed me back and said my claim was denied. Their customer service kept reading from a card and could and would not help me. But the funny thing is when you call them the first thing they say out of their mouth is "Thank you for call American Express Serv PROTECTION Card. Where was the protection that you gave to me. I was to pay my rent and my money is gone. They were quick to shut my account down and told me they would mail the remaining balance within in 7-10 days. WTF. I work hard for the little bit of money I have and this is the way you treat your customer's. On the website it states.. "Fraud Protection - If your American Express Serve Card is lost or stolen, we protect you against fraudulent purchases. Well that didn't happen. They got rid of my case quick and left me in the dark speaking to someone across the country. My mother has been a customer of theirs for over 8 years and she feels if they can not abide by their benefits they offer, she is closing her account along with my father. I am going to post this everywhere until I get resolution. I read someone was lucky enough to get reimbursed but unfortunately I guess they felt I stole the money myself. Which is stupid because I didn't have a card to give them my number. They ripped me off
Had a unauthorized transfer reported and complained to CFRB got refund back on the dang card....DUH not their brightest move. Well soon as that happened it got yanked back by another set of hacker or something each time they left a email this one was stranger than the last ones who ttried twice. Each time their CFRB response its their site its there site then when it happend the last time say its legit no refund and telling CFRB one thing and doing another.
suspend and returned to me what the hacker left behind. is that something
$792 ripoff
and worse thing the guy tied to the email addy where it was sent is involved in porn type stuff which i am sure is illegal in SLC and prob my state if its having to deal with certain subjects
On December 21st I booked a hotel room for 1 night. Upon arriving to the hotel I checked in and was asked for my credit card. I asked why since i had already paid online. I was told that a pre-authorization was needed in order to pay any potential incidental charges. I gave the desk clerk my AMEX Serve card and asked how much was he holding, he stated the amount and said it would be released upon checkout. Well, I knew that was not correct because I've used debit cards before and the money was held for 3 days before returned. In anycase I needed the room so I let him preauthorize the card.
On December 27th I had still not had the money returned to my card and in addition, that morning I was at Starbucks and they charged me for something they were out of and gave me a refund on my Amex Serve Card. When Starbucks charged me the correct amount for my purchase, my card was declined for not having the full amount. How is it that when I walked into a store for a cup of coffee, I had enough money on my card to purchase something twice as much, however a merchant makes an error and refunds my card but the refund isnt there and is unable to be spent leaving me unable to even purchase my cup of coffee? I contacted AMEX Serve and spoke to a customer no service representative who told me that the system is set up to hold hotel and cruise charges for up to 30 days to give the merchant in that special industry time to settle the account and that if the merchant doesnt release the funds they are automatically released by the "system" 30 days later. I asked to speak to a manager, after holding for an extended amount of time, the manager proceeded to tell me there was unfortunately nothing he could do because that is the way the "system" was set up. When I asked to speak to his (Clydes) manager he told me that he was the manager and I couldn't speak to anyone highter on the subject but that I could ask the hotel to have their back office release the funds then the "system" will automatically make my funds available. I contacted the hotel and spoke with the manager who was very upset, not at me but at AMEX Serve for telling customers that his hotel was holding funds. The manager asked me for the name of the manager I spoke with and the number on the back of my card. He told me he would contact AMEX and that he will find out for me where my money is.
About 30 minutes later I received a call from the manager at the hotel who stated that he was terribly sorry but he had not so good news. He stated that the AMEX Serve Card is not a credit card or a debit card but its a prepaid bank card and that AMEX is allowed according to the terms and conditions the consumer acknowledges upon receiving the card. I contacted AMEX Serve and told them that they had a lot of nerve using mine and millions of other peoples money to earn interest while we get denied food, beverages and have to sleep in the car because our money is being held needlessly only to line the pockets of AMEX.
I have been a member of American Express Serve for over 5 years, and it has been nothing but issues.
From unauthorized transactions, to locking up my card for "Fraudulent Activity" This company is a joke. They dont know whos doing what and when, They cant ever keep their story staight. You call customer service to complain and get the typical "We are sorry for the inconvience" or they just blindly transfer you to the queue for AMERICAN EXPRESS (which is a seperate division and cannot access your account)
They charge ridculous fees, say they are open 24 hours a day and yet you can never get an agent overnight (I work 3rd shift so thats when Im awake) Supervisors seem non existant, and their Consumer Care division, doesnt give a d**n.
This is the WORST company in the world to deal with and I HIGHLY advise you find another card provider.
I have been a customer for a year. I never had any problems until I was refunded money. The first couple of times I knew the money was not adding up but I hadn't paid close enough attention. I started taking screenshots of my balance daily whenever something was refunded to document that the money wasn't being returned. It would just drop off. A couple of times I would let them know that I had proof of the money not coming back and they would return it on what they called a good faith credit. Then they started doing recaps, where they would figure the math so that it would add up to a balance that did not include my refund. It had gotten so bad I stopped swiping my card or if I did swipe I wouldn't refund an item. I would exchange it or keep an unwanted or unneeded item. Smaller numbers come back and accessible numbers over $100 comes back but anything over 10 and under 100 would not . I did not mind swiping at restaurants because I wouldn't get a refund on food. Well the last straw was when I swiped at Little Caesars. A transaction that was 18.73 cents has dropped off the face of the earth with many other transactions but what makes this one so bad is that my account is overdraft and not through anything I have done. I was sick recently and missed a week a work and was struggling with a much smaller pay check. I stopped swiping my card 4/26 and after my charges completed I had 2.25 left. I woke up 5/1 to an email sent on 4/30 about my account being in the negatives. I could not understand it. So I checked my statement. There were no new transactions just a negative balance. So I called in. I already had a feeling there would be a story but I held. I explained to the rep that there were no new transactions but I had a negative balance. He put me on hold for what might have been 10 minutes and came back with a crazy story. He told me that the disputed a charge on my behalf previously that kept the money. I stopped him there. I had put in a dispute but after going back and forth with the company they agreed to give me back my money, and because it went through paypal (which is one of the rare occasions the money doesn't disappear), I was refunded without help from them. In fact the people over at serve sent me an email stating that they couldn't help me unless I could prove that the company gave a time frame for the item that they never sent back, after I got the refund on my own. Well his story was that the company refunded the money and pulled it again. I told him I didn't see that on my statement and I check it daily. Then he says that since I authorized the initial payment he couldn't do anything but he was going to escalate the situation to another department that would refund the money. I get to the next department and she was riding on his story until I pointed out that the math did not add up. You cannot subtract 42.81 (the other transaction) form 2.25 and get a negative balance of 15.00. Then she goes "oh I see the problem". You made a purchase from Little Caesars and they did not take the transaction on time and so they refunded the money and took it again. That didn't make sense. I informed her that if they refunded the money it would've been there. She told me that they refunded the money on the 28th of April at 9pm. I guess she was giving details to prove she was being honest. And then said they took it back on the 30th and that's why the balance is negative. I explained that I had not seen this reflect on my balance or my statement and she tells me that there would be no paper trail on my end but she could see dates and times in the system. I told her I had not used my card since April 26th and all transactions were complete so if the money went back on the 28th it should've still been there on the 30th. She put me on hold to check saying that there must have been online purchases made. She came back and said that I was right. She said you haven't used your card at all since the 26th but I can assure you that the balance is correct. Please let me do a recap and show you. I stopped her and let her know that I know how it works when they di recaps and nothing would make it make sense that the money was put back, I did not use my card, and taken out again yet the funds weren't there. I ended the conversation. Now I'm just really upset that they would continue to rob me this way even when I prove that something is not right. I am stuck using the card a couple of weeks because my paychecks get deposited there but when that is switched, I'm done. They have gotten away with a decent amount of money and I need every cent.
American Express disabled my SERVE card without prior notification. Although they froze the card, they still allowed cash loads to be made.
On 1/20/16, I loaded $120.00 on the card at 7-11. I has a card balance of 4 cents before the load, and once I loaded at 7-11, the balance immediately changed to 0.00.
I have called American Express several times and have been told they are upgrading their system. I mentioned that I am on a fixed income, and need the money for food, but all they could say is that they are upgrading their system.
On my last call, they said the funds would be available on 1/27/16. Once the funds are available, I am grabbing them and closing the card. I can't understand why a company would freeze their card system, but still allow cash loads.
Essentially, they are holding your funds hostage until THEY decide to release them.
(3) exact charges of 160.00 debited from my acoount withine 30 seconds.
This charge was for a one night stay at the Hampton in State College, PA.
I was told that the extra money would come back to me within 48 hours of settlement.
This did not hanppen and I amow told that the 320.00 dollars wolud be returned after 8 days.
This to me is a software clitch that wolud allow (3) exact charges. I called them several times and they colud not put my money back until he 8 day period. I explained that I was being penalized for their mistake.
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.
When there's a error or if you were double.charged ,refunded, didnt authorize a payment .American.Express serves makes you wait 8 days to get your money released back to you. Last week my.card. was declined 3times but.I was charged 3 times within a matter of seconds of trying my card multiple times. I called American Express Serve and they made me wait 8 dAys before my money wAs releAsed. Same thing happened a few days later I was.charged on a declined order and had to.wait. another 8 days .BOTTOM LINE.THIS IS WRONG AND THEY.ARE COLLECTING INTREST ON THE MONEY BEING HELP.THAT'S WHY THEY MAKE YOU.WAIT.8.days
American Express Serve Reviews
I received a Gift Card from my employer for $100. I tried to buy Airpods from Apple one day. I tried for a total of 6 hours on the phone. I have been told 3 times now that I've lost my money. The guy keeps telling me that the transaction in a place called the Supreme Chinese for $99.97. I heard a dog and a goat in the background when speaking to this guy with a very thick accent from the middle east. They won't give me the money back and I'm so so very happy for their little scam. Amex doesn't care about it because it doesn't affect their cardholders. If you get an opportunity to read this, PLEASE don't do ANY business with the company. I always value a company exclusvely on their absolute worst scenario and this is something that brings their cream to the top.
Serve American Express has fraudulently denied receipt and credit for a $500 cash payment that I made on a Serve prepaid credit card. I provided them with the actual cash receipt with the CVS store address, date and time, and last 4 digits of the prepaid debit card number.
The $500 deposit showed up on the online account when I obtained the replacement debit card with my name on it. I then destroyed the temporary debit card since I no longer needed it. I registered the new replacement debit card online which showed the $500 balance. Two months later, I tried using the new Serve card for the first time and it was declined. I went online and it showed a zero balance and the $500 deposit had disappeared from the online records.
Customer service told me that since I no longer had the temporary Serve card or the temporary Serve card number that they cannot verify the initial $500 cash deposit.
This is corporate theft by fraudulently denying receipt of the $500 cash receipt. Serve American Express has my money and will not credit my account or give my money back to me. I plan on taking further action, including filing a complaint with the New York State Department of Financial Services which licenses credit card companies.
Jeanette Smith
Spring, Texas.
832-714-7935
Regarding
American Express Serve
Account Number
Expires
08/24
Code
1453
Account Number
I have had an American Express Serve Account for several years. I have had direct deposit from Social Security and used as my bank.
It has been well over 6 months since I have used the account except to pay a phone bill.
I get an email today saying they reviewed my account and found suspicious activity.
From American Express:
(During our recent review of your American Express Serve® Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement.
As a result of such activity, and pursuant to Section 15(d) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended.)
I have not used the account so how could there be suspicious activity.
This is a scam. I called American Express Serve and a recording rudely said my account has been closed permanently and hangs up at that point. I have my Social Security in Netbank and have had for some time. There could be no activity except on Netbank.
Furthermore they refused to let me see my account, activity or balance. I have a $1.81 balance they have evidently kept.
I am disappointed because at one time they were my favorite card. I need my records and they refuse.
Jeanette Smith
3/27/2020
I received a Serve American Express pre-paid card as a birthday present. Upon receiving it I saw on the outside of the package that there are no hidden fees and the expiration date of 7/23. I did not need it right away so I put it in my safe. I pulled it out recently, registered it for the first time on 4/19/19. I then checked the balance and found that it had a zero balance. I called customer service to find out "what the mistake was" and was told that all of the money had been used up by the monthly service fee of $6.95/month.
In my opinion, this is theft of service, false advertising and fraud. The customer service person said that "no hidden fees" meant that if you open the package up and read the fine print that all of the fees are outlined. Do not let these people rip you off like they did me. I am surprised that a class action lawsuit has not been started against this company.
While I was at work, I rec'vd ONE email stating that a transaction was denied and if I recognized the transaction on 03/23/2019. I logged into my Amex Serve account and to my surprise there were fraudulent charges adding upto $1400.00 on my account. All the transactions (11+) were done at a Footlocker in New Jersey, a parking garage and a restaurant also in New Jersey.
I am nowhere near NJ nor do I travel there & I certainly will not spend that amount of money in a footlocker. I was working that day. When I called customer service they asked me if I had my card on me? Of course I did! I canceled my card. Now I'm waiting on a 45 days investigation, with no money and no card.
This is the 2nd time this happens to me with Amex Serve. The 1st was in January 2019. I also had fraudulent charges totalling upto 120.00 from 2 Rite Aide location in NJ. I was assured it wont happend again by a customer rep unfortunately it did.
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.
It appears since the joint venture was announce , Serve Card customers have reportedly notice a consistent pattern by both companies denying CUSTOMERS access to their liquid cash deposited into our accounts via CVS Pharmacy, Walmart and other add cash to the card locations as out-lined in the American Express Serve Card Terms of use agreement.
My 83 year old grandmother on a fixed income of $1,800.
00 monthly had been receiving direct deposit on her American Express Served Card for over 5 years without a hitch of getting access to her funds.
Two days after receiving her last deposit, she ask us to drive her to grocery store to stock-up on some supplies. To our surprise when she swipe her Serve Card to pay for mere $78.00 worth of merchandize the check-out cashier politely inform her the card was decline.
We paid in cash, went home and subsequently Log on the American Express Serve Card website, to our dismay we discovered the entire $1,853.67 was now on hold by the merchant, therefore denying the old lady the use her much needed money to purchase medicine and other essential items for her health, while no option to imitate an online dispute is avail.
We proceed to call the customer service number at the back of the card (800) 954-0559, The Interactive Voice Response (IVR) only provides automation information, lacking any options to speak to live person. Using some social engineering we was able to come up with a direct number of (800) 555-4318, resulting in being transferred repeatedly to several live persons located off-shore outside the United States. It should be noted, Speaking to an educated, properly trained representative is difficult. Many of them have strong language barriers that creates miscommunication. The Customer Service Representatives (CSR) are generally rude, speak with a foreign accent, informing us, to wait six days for the moneys on hold to be place back on my card account.
After waiting six days and noticed no funds have been credit to the account, we called back the same number and being told by very impolite and unprofessional CSRs, American Express Serve Card will being a dispute and we must wait an additional twenty (30) more days for the process to complete according to the Terms of Use that my grandmother had agreed upon when the account was open. 30 days comes and goes, and contact is made again with American Express Serve Card to no avail, and no refund of old ladies money.
On day 37, we contact American Express Cooperate headquarters in New York City (212) 640-2000. We were transferred to American Express Executive Assistant Ms. P. Coleman Newman. We were told to expect a full refund in three business days. On day 41 we called and e-mail Ms. Coleman Newman and was ignored. The next day we received an e-mail from her requesting we log back into the account and upload the store cash receipt to initiate dispute, as it will turn out to be, American Express had shut down my grandma’s account.
It is very important to note, this deceptive conduct by American Express and INCOMM is not just limited to our grandma, as there are numerous in excess of 1,700 customer complaints beginning from May of 2017 to as recent as November 12, 2018 on the Consumer Affairs Website reporting the same on-going scams like ATM withdrawal, when the money was not dispensed and the ATM told customers they had insufficient funds but still deducted or freeze the amount from the accounts. (consumeraffairs.com/finance/american-express-serve.html).
Additionally American Express new CEO Stephen J. Squeri, INCOMM CEO Brooks Smith, President Phil Graves and not so honest shyster General counsel Michael D. Gruenhut are all aware of this on-going scamming activities for at least 18 months but choose to ignore this massive fraud perpetrated on millions of American citizens customers to include 83 year old little ladies on fixed income.
If you are a victim to this American Express/INCOMM scam, call or write a letter to the office of the Controller of Currency (OCC) Customer Assistance Group (800) 613-6743
Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street
Suite 3450
Houston, TX 77010
You can also file a complaint with Federal Trade commission (FTC) on line at (ftccomplaintassistant.gov/GettingStarted?NextQID=210&Url=%23%26panel1-2#crnt ) or call (202) 326-2222 or write to: Bureau of Consumer Protection
Federal Trade Commission
600 Pennsylvania Ave., NW
Washington, DC 20580
The foriegn accented customer service people blamed me for ripping myself off and kept my money and deny me access to the account which is still open in my identity
Amex is hiding behind a cleverly crafted "Terms of Service Agreement" that can barely be interpreted by expert attorneys. When funds are depleted froma victim's account, Amex shuts down the account making it impossible for the victim to analyze what happened to his or her account and impossible to analyze the "Terms of Service" since this text lies buried deep in the bowels of the web site which the victim is locked out of one th a account is hacked. Amex has a fiduciary responsibility to protect its customers and to make whole any customer who has been defrauded by a hack or any other means.
My wallet was stolen and a charge of $300 was taken from my account. I immediately contact customer service and within seconds they emailed me back and said my claim was denied. Their customer service kept reading from a card and could and would not help me. But the funny thing is when you call them the first thing they say out of their mouth is "Thank you for call American Express Serv PROTECTION Card. Where was the protection that you gave to me. I was to pay my rent and my money is gone. They were quick to shut my account down and told me they would mail the remaining balance within in 7-10 days. WTF. I work hard for the little bit of money I have and this is the way you treat your customer's. On the website it states.. "Fraud Protection - If your American Express Serve Card is lost or stolen, we protect you against fraudulent purchases. Well that didn't happen. They got rid of my case quick and left me in the dark speaking to someone across the country. My mother has been a customer of theirs for over 8 years and she feels if they can not abide by their benefits they offer, she is closing her account along with my father. I am going to post this everywhere until I get resolution. I read someone was lucky enough to get reimbursed but unfortunately I guess they felt I stole the money myself. Which is stupid because I didn't have a card to give them my number. They ripped me off
Had a unauthorized transfer reported and complained to CFRB got refund back on the dang card....DUH not their brightest move. Well soon as that happened it got yanked back by another set of hacker or something each time they left a email this one was stranger than the last ones who ttried twice. Each time their CFRB response its their site its there site then when it happend the last time say its legit no refund and telling CFRB one thing and doing another.
suspend and returned to me what the hacker left behind. is that something
$792 ripoff
and worse thing the guy tied to the email addy where it was sent is involved in porn type stuff which i am sure is illegal in SLC and prob my state if its having to deal with certain subjects
On December 21st I booked a hotel room for 1 night. Upon arriving to the hotel I checked in and was asked for my credit card. I asked why since i had already paid online. I was told that a pre-authorization was needed in order to pay any potential incidental charges. I gave the desk clerk my AMEX Serve card and asked how much was he holding, he stated the amount and said it would be released upon checkout. Well, I knew that was not correct because I've used debit cards before and the money was held for 3 days before returned. In anycase I needed the room so I let him preauthorize the card.
On December 27th I had still not had the money returned to my card and in addition, that morning I was at Starbucks and they charged me for something they were out of and gave me a refund on my Amex Serve Card. When Starbucks charged me the correct amount for my purchase, my card was declined for not having the full amount. How is it that when I walked into a store for a cup of coffee, I had enough money on my card to purchase something twice as much, however a merchant makes an error and refunds my card but the refund isnt there and is unable to be spent leaving me unable to even purchase my cup of coffee? I contacted AMEX Serve and spoke to a customer no service representative who told me that the system is set up to hold hotel and cruise charges for up to 30 days to give the merchant in that special industry time to settle the account and that if the merchant doesnt release the funds they are automatically released by the "system" 30 days later. I asked to speak to a manager, after holding for an extended amount of time, the manager proceeded to tell me there was unfortunately nothing he could do because that is the way the "system" was set up. When I asked to speak to his (Clydes) manager he told me that he was the manager and I couldn't speak to anyone highter on the subject but that I could ask the hotel to have their back office release the funds then the "system" will automatically make my funds available. I contacted the hotel and spoke with the manager who was very upset, not at me but at AMEX Serve for telling customers that his hotel was holding funds. The manager asked me for the name of the manager I spoke with and the number on the back of my card. He told me he would contact AMEX and that he will find out for me where my money is.
About 30 minutes later I received a call from the manager at the hotel who stated that he was terribly sorry but he had not so good news. He stated that the AMEX Serve Card is not a credit card or a debit card but its a prepaid bank card and that AMEX is allowed according to the terms and conditions the consumer acknowledges upon receiving the card. I contacted AMEX Serve and told them that they had a lot of nerve using mine and millions of other peoples money to earn interest while we get denied food, beverages and have to sleep in the car because our money is being held needlessly only to line the pockets of AMEX.
I have been a member of American Express Serve for over 5 years, and it has been nothing but issues.
From unauthorized transactions, to locking up my card for "Fraudulent Activity" This company is a joke. They dont know whos doing what and when, They cant ever keep their story staight. You call customer service to complain and get the typical "We are sorry for the inconvience" or they just blindly transfer you to the queue for AMERICAN EXPRESS (which is a seperate division and cannot access your account)
They charge ridculous fees, say they are open 24 hours a day and yet you can never get an agent overnight (I work 3rd shift so thats when Im awake) Supervisors seem non existant, and their Consumer Care division, doesnt give a d**n.
This is the WORST company in the world to deal with and I HIGHLY advise you find another card provider.
I have been a customer for a year. I never had any problems until I was refunded money. The first couple of times I knew the money was not adding up but I hadn't paid close enough attention. I started taking screenshots of my balance daily whenever something was refunded to document that the money wasn't being returned. It would just drop off. A couple of times I would let them know that I had proof of the money not coming back and they would return it on what they called a good faith credit. Then they started doing recaps, where they would figure the math so that it would add up to a balance that did not include my refund. It had gotten so bad I stopped swiping my card or if I did swipe I wouldn't refund an item. I would exchange it or keep an unwanted or unneeded item. Smaller numbers come back and accessible numbers over $100 comes back but anything over 10 and under 100 would not . I did not mind swiping at restaurants because I wouldn't get a refund on food. Well the last straw was when I swiped at Little Caesars. A transaction that was 18.73 cents has dropped off the face of the earth with many other transactions but what makes this one so bad is that my account is overdraft and not through anything I have done. I was sick recently and missed a week a work and was struggling with a much smaller pay check. I stopped swiping my card 4/26 and after my charges completed I had 2.25 left. I woke up 5/1 to an email sent on 4/30 about my account being in the negatives. I could not understand it. So I checked my statement. There were no new transactions just a negative balance. So I called in. I already had a feeling there would be a story but I held. I explained to the rep that there were no new transactions but I had a negative balance. He put me on hold for what might have been 10 minutes and came back with a crazy story. He told me that the disputed a charge on my behalf previously that kept the money. I stopped him there. I had put in a dispute but after going back and forth with the company they agreed to give me back my money, and because it went through paypal (which is one of the rare occasions the money doesn't disappear), I was refunded without help from them. In fact the people over at serve sent me an email stating that they couldn't help me unless I could prove that the company gave a time frame for the item that they never sent back, after I got the refund on my own. Well his story was that the company refunded the money and pulled it again. I told him I didn't see that on my statement and I check it daily. Then he says that since I authorized the initial payment he couldn't do anything but he was going to escalate the situation to another department that would refund the money. I get to the next department and she was riding on his story until I pointed out that the math did not add up. You cannot subtract 42.81 (the other transaction) form 2.25 and get a negative balance of 15.00. Then she goes "oh I see the problem". You made a purchase from Little Caesars and they did not take the transaction on time and so they refunded the money and took it again. That didn't make sense. I informed her that if they refunded the money it would've been there. She told me that they refunded the money on the 28th of April at 9pm. I guess she was giving details to prove she was being honest. And then said they took it back on the 30th and that's why the balance is negative. I explained that I had not seen this reflect on my balance or my statement and she tells me that there would be no paper trail on my end but she could see dates and times in the system. I told her I had not used my card since April 26th and all transactions were complete so if the money went back on the 28th it should've still been there on the 30th. She put me on hold to check saying that there must have been online purchases made. She came back and said that I was right. She said you haven't used your card at all since the 26th but I can assure you that the balance is correct. Please let me do a recap and show you. I stopped her and let her know that I know how it works when they di recaps and nothing would make it make sense that the money was put back, I did not use my card, and taken out again yet the funds weren't there. I ended the conversation. Now I'm just really upset that they would continue to rob me this way even when I prove that something is not right. I am stuck using the card a couple of weeks because my paychecks get deposited there but when that is switched, I'm done. They have gotten away with a decent amount of money and I need every cent.
American Express disabled my SERVE card without prior notification. Although they froze the card, they still allowed cash loads to be made.
On 1/20/16, I loaded $120.00 on the card at 7-11. I has a card balance of 4 cents before the load, and once I loaded at 7-11, the balance immediately changed to 0.00.
I have called American Express several times and have been told they are upgrading their system. I mentioned that I am on a fixed income, and need the money for food, but all they could say is that they are upgrading their system.
On my last call, they said the funds would be available on 1/27/16. Once the funds are available, I am grabbing them and closing the card. I can't understand why a company would freeze their card system, but still allow cash loads.
Essentially, they are holding your funds hostage until THEY decide to release them.
American Express Serve Card,
(3) exact charges of 160.00 debited from my acoount withine 30 seconds.
This charge was for a one night stay at the Hampton in State College, PA.
I was told that the extra money would come back to me within 48 hours of settlement.
This did not hanppen and I amow told that the 320.00 dollars wolud be returned after 8 days.
This to me is a software clitch that wolud allow (3) exact charges. I called them several times and they colud not put my money back until he 8 day period. I explained that I was being penalized for their mistake.
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.
When there's a error or if you were double.charged ,refunded, didnt authorize a payment .American.Express serves makes you wait 8 days to get your money released back to you. Last week my.card. was declined 3times but.I was charged 3 times within a matter of seconds of trying my card multiple times. I called American Express Serve and they made me wait 8 dAys before my money wAs releAsed. Same thing happened a few days later I was.charged on a declined order and had to.wait. another 8 days .BOTTOM LINE.THIS IS WRONG AND THEY.ARE COLLECTING INTREST ON THE MONEY BEING HELP.THAT'S WHY THEY MAKE YOU.WAIT.8.days