American Express
reviews and complaints

This card was offered to me as a payment method for my tax returns. I was excited to try it out, but unfortunately, my experience with Serve.com has been nothing but frustrating. I received two emails a day from them, urging me to enroll in direct deposit. This was confusing because I was supposed to get my check directly deposited anyway. As it got closer to when I was supposed to receive my checks, it got extremely annoying!

Finally, I received my refund, but I quickly realized that I couldn't use this card anywhere. I tried to pay bills, but no one accepts it. I tried to withdraw money from my bank and its ATM, but it was a no-go. I can only withdraw up to $400 a day from certain 711 stores. This was a huge inconvenience for me.

The MoneyPass app you need to download and use to find compatible ATMs is also not very helpful. They lead you to little hole in the wall places that almost don't exist. I couldn't find one open. It was a waste of time.

Yesterday, I spent several hours trying to withdraw money. I went to one Wal-Mart, stood in line for 30 minutes only to be turned away. They said the card wasn't allowing me to withdraw any amount of money. I called the Serve customer service number for the 5th time. Those operators are clueless. She kept asking me if I want a new card or to change my pin. I kept explaining to her, as I did others, that I need to withdraw all my money at once. She said there was nothing wrong with my card. I got transferred over to American Express, waited 20 minutes and when someone finally answered, they couldn't hear me. They hung up on me. It was a nightmare!

I drove another 45 minutes to the next Wal-Mart. I figured something was wrong with the system. Same problem. I asked for a supervisor and was ignored. I called Serve again. I got a rude operator and argued with her for a while before she finally told me about the RIA money pick up. Its not called a withdrawal, so nobody knew what I was talking about. Like I said, clueless!

So, the Serve website says you can receive up to $2900 a day. Not true. You can only get $2500 at a time. Wal-Mart's prices to "withdraw" money and cash government checks are significantly less expensive than using this card. My plans have been put on hold. I've wasted so much time and gas on this card. I can't transfer my money into my bank account where I can withdraw it for free. It pushed me into an emotional breakdown!

I will NEVER use or recommend this card again. As a matter of fact, I'm taking the American Express stickers out of my shop window and will no longer accept American Express at my place of business. It's just not worth the hassle.

If you're considering using Serve.com, I would advise against it. The website promises a lot, but it doesn't deliver. The app is not user-friendly, and the customer service is terrible. I would recommend finding another payment method that is more reliable and less frustrating.

I gotta say, I'm not too impressed with American Express. I mean, sure, it's cool that I can see my credit report right away, but the points system is all over the place. They advertised one thing, but it's not as easy to use as they made it seem.

But that's not even the worst part. One year into having the card, we got locked out of our online account and no one could explain why. We had to call the offshore call center multiple times just to get someone to process a payment for us. And even then, they didn't do it the way we asked, so we got hit with an overdraft fee while we were still on the phone.

It's been two months since then, and the system still isn't working right. It's not pulling funds from our bank account during the billing cycle like it's supposed to, and when it does take the money, it's not posting the payment in a timely manner. So even though we have the money to pay, the card is still unavailable for use.

And to top it all off, they keep trying to blame us for the problems. They've blamed the "merchant portal" and told us to check with our bank, but there's no issues there. It's like they're trying to make it seem like it's our fault when it's really theirs.

I'm really worried about how this kind of unethical behavior will affect people who are already struggling to make ends meet. It's not right, and it should be illegal. We need to start holding companies like American Express accountable for their actions.

I was really disappointed with my experience with American Express. It seems like they don't care about their customers at all. I've been having trouble logging into my account for months now, and every time I try to use their chat feature to get help, it's not available. I have a hearing disability, so I really need to be able to use chat to communicate with them. I even sent them a letter from my doctor explaining my situation, but they just told me to get a Power of Attorney instead. I've never heard of any doctor recommending that, so I don't know why they think they know better than my own physicians.

It's really frustrating that they keep removing and adding the chat feature, especially since it's the only way I can communicate with them. And they don't even make it easy to find - you have to log in first, which is impossible for me to do right now. It's like they're playing games with me and my disability, which is just cruel.

To make matters worse, they keep misspelling my name in their emails to me. I've corrected them multiple times, but they still get it wrong. And one time, they even addressed me as if I were a man! It's like they don't even care enough to pay attention to the details.

Overall, I would not recommend American Express to anyone. They don't seem to care about their customers, especially those with disabilities. It's really disappointing to see a company treat people this way.

I had an American Express Platinum card and I was pretty excited about it. I got it because it had free foreign transaction fees, a free lounge pass, and mile bonuses. However, I quickly found out that American Airlines was not part of their mileage club. I was pretty disappointed about that. Also, I found that most of the lounges were closed or not accepting the card. That was a bummer too. Then I learned that few overseas vendors wanted me to use American Express. I was trying to arrange some diving and whale shark swims and was told I would have to pay more if I used the AmEx card because of the fees. I was told that on other excursions too. Few of the tiny restaurants in many countries would accept the card. So I decided not to renew it.

But then they offered me a reduced renewal fee of something like $250 so I renewed again. However, I decided of the next year it wasn't worth it. So I didn't renew the card. An auto-renewal of an insurance policy hit the card in the month after. I paid the charge. The only thing not paid was the $450 fee. I started getting calls and late notice letters so I started calling. When you call the number on the letter or take their calls, they demand you pay the $450.00. I tell them I cancelled the card. They say I have to talk to membership for that and they can't do anything. I call membership and they say OK we waived the fee since you cancelled the card. Then the next month it starts all over. This has been going on since February. It is now July. I just got a letter that says my account has been cancelled because I was late! What the heck. I cancelled the card myself.

So I call the number on the letter and guess what, it's the credit department and they can't do anything about the fee that is another department. I ask for the number of the other department so I don't have to go through them again. She gives me a number. Guess what, when I called it was back at the Credit section and the whole thing starts again. I have been on the phone or on hold for over an hour. I am now on hold with a credit supervisor "who is trying to work this out." I'm glad I wrote down the name and extension of the person from last month because that got me to the supervisor. If you do work with them, keep notes of all calls. I didn't start keeping dates and names until last month. I don't have records of my March, April or May calls. The history what got me to the supervisor. Now they just came back on and said everything was zero'd out and there is nothing more owed. Stay away.

I just gotta say, American Express ain't all it's cracked up to be. I've been a loyal customer for over 25 years, paying on time and everything, but when I had a problem with a charge I didn't recognize, they treated me like dirt. And I'm not the only one - they seem to have a real problem with women over 64 and immigrants.

I called customer service to dispute the charge and get an explanation, but they just transferred me from one office to another and asked me the same questions over and over. It was like they were trying to wear me down or something. Finally, I got fed up and told them I wanted to use my points to pay my account and close it. They said they'd send me a statement with the settlement, but when the month ended and I went to pay, the bill didn't include my points. I had to pay part of it with my points and part of it with cash, and they still charged me interest!

I sent a letter of complaint to the president of the company, but they never acknowledged it or investigated my unknown charge or my earned points. And when I asked them to communicate with me by email instead of phone, they just left me a bunch of messages anyway. It took them three months to give me back my money, and they never even apologized.

Honestly, I don't know why anyone would use American Express. Businesses prefer Visa, and in Europe they don't even like it when you pay with Amex because of the crazy exchange rates. Save yourself the frustration and disrespect and go with someone else.

I been using American Express Platinum Card for a long time and it was great. I told everyone about it. But now, in 2022, it's not so great anymore. I booked a hotel stay at Mirage in Las Vegas in January 2022 and had to cancel it. They charged me $199 and then refunded it. A few days later, they charged me $144 for no reason. I called them and they said it was a mistake and refunded it. In November 2022, I booked the Westin in Anaheim and expected to get my $200 hotel credit. But they said $144 of it was used in January at Mirage, which is not possible. I called them six times for an hour each time, but they kept sending me back and forth between customer care and the travel team. They said they would open a dispute, but I never got an email. When I called back, they charged me $144 for no reason. I spent two hours on the phone with the travel team, but they couldn't help me. They said I didn't get the remaining credit because I didn't pay in advance, which was a new rule. I asked when the rule changed, and they said they just found out. After two hours, they gave me a case number and said a supervisor would call me within 48 hours. But when I called back on Saturday, they said there were no supervisors and I had to wait. I am so done with this company. Their annual fees are going up, their customer service is incompetent, and their dispute investigations are a joke. I am canceling my card and will never recommend them again.

I gotta say, American Express is not my favorite credit card company. In fact, it's probably the second worst experience I've had with a credit card, right after that nightmare with Citi like 8 years ago. Let me tell you my story:

So, my dad passed away about a year ago and I needed to fly home for a while. On my way back, I saw this promotion on Delta flights - if you buy x dollar amount before y time with an Amex card, you get a $200 statement credit and 60,000 miles. Seemed like a good deal, so I went for it. I paid my first bill without seeing my statement because I couldn't get my card until I got back home. Once I had the card, I tried to set up my online account, but the online banking system wouldn't work. So, I paid my card over the phone again. By the third or fourth statement, I was fed up and called again to get my online account set up. They asked me a bunch of questions about the card and I finally got it straightened out. They set up my online banking and I saw that they never gave me my statement credit. I did get the miles, though.

Fast forward a few months and every time I try to log into my account, it says I have the wrong password or card info and my account is blocked. I call and pay my bill and ask them to unlock my account. They make a one-time password for me to get in, but this happens 5 or 6, maybe even 8 times. I lost track. Meanwhile, I call Delta to get my statement credit because Amex claims "it's a Delta promotion, take it up with them." Delta claims, "it's a statement credit, take it up with Amex." This goes on for about 2 months, on the phone for hours each time, before I finally give up and decide I've spent more time trying to get the credit than it's worth.

Fast forward a few more months and I still can't log into my account. Every time I call them to get it fixed, they're extremely rude and ask me for different information every single time. This last time, the guy literally hung up on me when I complained about why he's asking me for different information. One time it's this number, the next time it's this security question, the next time it's another number. It's never the same. It's honestly baffling and feels like they're messing with me. Every time it's a different question that I either answer and it's not right or I don't even know the answer to.

All I want to do is log in and pay my bill. I honestly think they're trying to prevent me from being able to pay it easily so I rack up late fees. I can't come to any other conclusion as to why a company would make it this freaking hard to pay a damned bill.

I can't wait to pay off my balance and close this card out. American Express is a slimy company with horrific customer service. Stay away for your own good.

I recently applied for an American Express credit card on their website and was approved for an unlimited credit card. However, when I received the card, I was surprised to find that it was in American currency, even though I am located in England. This was not what I was expecting when I applied for the card, and it was quite frustrating.

To make matters worse, I also received a letter from American Express that outlined all the privileges and rewards that came with being an Amex card member. However, when I tried to access these benefits, I found that they did not exist. It was as if the letter was lying about my card and the benefits that I should have received.

I was quite disappointed with this experience, and I feel that American Express is a scam. They advertise unlimited credit cards on their website, but once you are approved, you get what they give you, regardless of whether it is what you were expecting or not. It was as if they were trying to intimidate me and let me know that they were in control.

I wouldn't be surprised if American Express creditors stalk their customers or have their more favored customers stalk the dictated customers to randomly abuse or harm the financially dictated. It seems like they are using their business to find mental victims to obtain good mental health for themselves. This is not a smart method, and I believe that American Express should consider quitting or shutting down their business for its fraud.

Overall, my experience with American Express was quite bad, and it put me off of credit. I do not recommend American Express unless you want to be some kind of homicide victim case through some psychopath obsessed with Amex for the way they are all linked and psychotic and controlling while channeling mentally disturbing their customers.

I recently had a pretty bad experience with American Express and their credit card services. I purchased a high-end kitchen appliance from a well-known online marketplace, but after just three months, the appliance stopped working. I sent it in for repair, only to find out that it was actually part of a large lot of stolen appliances and was confiscated by the manufacturer.

I was understandably upset and reached out to American Express for help, assuming that their purchase protection scheme would cover me in this situation. Unfortunately, I was sorely disappointed. They denied my claim, stating that the item was allegedly bought "privately" even though it was brand new. I was shocked that they would deny me protection when I was sold a fraudulent, stolen good.

The main dispute was also denied without any comprehensible explanation. I soon realized that they operate a charge-back system, which tends to favor the merchant over the customer. Most of the denials happened only hours after I raised the disputes, and there was never a way to fully understand the reason behind them. The most common explanation was "the merchant has provided their terms and conditions," which didn't make any sense to me.

To make matters worse, the final attempt to get a refund under the "Section 75" of the Consumer Credit Act was also declined. This was the only case when the "Dispute Team" bothered to read the details of the issue/dispute and they suddenly became shrewd lawyers and declined the refund on the legal ground that the "contractual chain" between the buyer and seller was interrupted by the marketplace. I was left feeling completely abandoned and neglected by American Express, one of the largest and most affluent credit cards on the planet.

Their standard "dispute" system is just a joke where they only move money from one party to another, without any shred of time/money effort spent by themselves to evaluate the facts and try to resolve the dispute in terms of what is right and fair. It should have been a "slam-dunk" case as I had all the police reports about the theft and the consequent fraud I was subjected to.

Overall, I would not recommend American Express to anyone. Their customer service is terrible, and their protection schemes are useless. If you're looking for a credit card that will actually protect you and your purchases, look elsewhere.

Hi, my name is Chris Kim and I want to share my experience with American Express Card Company. I have been using American Express card for my company for about 4-5 years now. I use the card to get points to use for our family vacation. Last year, I used the points and my family went to Hawaii without any problems. However, this year, I went through a very unfair situation with American Express travel department from 8/31/17 until 9/05/17.

I booked a Cancun vacation (airline ticket and hotel) through American Express travel a month ago and I received a confirmation email. My family (my wife, my daughter and I) went to the Los Angeles airport that night (31/Aug./2017) to catch American Airline flight # 1369 which departure time was 11:05 pm. However, we couldn't get our boarding pass through their system. Therefore, I went to the American airline agent and I heard some bad news from American airline employee, Mr. T. He told me that I booked flight # 1369 on 14th of July. 2017, but American express did not pay the money and the reservation for flight has been cancelled automatically.

Therefore, I called American express travel department and I talked with Mr, D (employee # 7***) to find out what was going on. He told me that there was an error (not their mistake) and suggested me to purchase a business or first class and go to Cancun and call them back tomorrow morning when supervisor is available. However, there were only 2 seats available. He offered me a different option which was to catch a different airline with my own expense and give them a call the following day when supervisor is available. So I asked the representative if I was going to get the difference in money back, and he responded as if he couldn't guarantee and that I would have to speak to a supervisor. Also, I asked him regarding the hotel reservation status, he noted me that it got cancelled so I asked him again, if I don't have a reservation at a hotel, where am I supposed to stay? He told me again, "Get a room with my expense then speak to a supervisor." This is totally wrong how they are treating me at this moment without any solution. I decided that I had to give up this trip. I hung up the phone and went back home. Everyone will agree with me with how frustrated my family was.

I'm really thankful to God I didn't listen to him after I had a short conversation with America Express Supervisor, the next morning, who is named E today. I called American Express Travel and an employee named Mr. P answered and I explained to him what was going on and let him know I was recording this conversation as well. He said to me, "Thank you for letting me know." After he listened to me, he had to transfer the call to the Supervisor and he put me on hold for about 30 minutes. During the 30 minutes that I waited, they could've gone over what happened. Instead, once I spoke with E, I asked her if she knew what was going on, but she wasn't 100% sure. It made me very upset because I was on hold for 30 minutes for nothing. I notified her that I was recording the conversation as well. She told me, "Don't record this conversation otherwise she'll hang up." I asked her why I couldn't record her but they could. She replied, "I'm warning you." I felt very upset again. I told her that she ruined my vacation and yet, she is warning me. You're not going to believe this, she hung up the phone and said, "Thank you for calling American Express." You can see how shocked I got from this phone call. I was thinking about what I should do.

The next day, I called them once more to get better results from a different supervisor. I spoke with a different supervisor named M. He told me that I was the one who cancelled the trip due to my illness. I couldn't believe this. They were making up stories. Once I heard the shocking lie, I couldn't speak to him any further. I want to know who made up the story because they want to avoid their responsibility. Even now, I can't believe a big company like American Express did this to me. I didn't decide what to do for the future, but I want everyone to know this situation. I want American Express to know that without us, you are not there.

Hey there, I gotta say, I've had some pretty bad experiences with American Express lately. I've been a loyal customer for years, but now I'm seriously considering closing my accounts with them. I mean, I've got 12 credit cards with various banks and credit unions, and I've never had any major issues with any of them - except for American Express.

Over the past year, I've had four separate issues with my business American Express cards, including their Amazon Business card and their Bonvoy Marriott card. I won't go into all the details, but let's just say that I was not happy with the way they handled things. I had to dispute charges, deal with messed up rewards points, and even had my credit lines cut without warning. And when I tried to get in touch with customer service, it was a nightmare. I called and emailed multiple times, but never got a satisfactory response.

Finally, I decided to file a formal complaint and leave negative reviews on several websites. I even sent a certified letter to their corporate office. And you know what? It worked. I was contacted by an "Executive Assistant" who promised to look into my issues. But even that didn't go smoothly. She was rude and dismissive, and made some really questionable comments about my situation. And when I tried to follow up with her, I got no response.

Overall, I'm just really disappointed with American Express. Their interest rates are sky-high, their rewards programs are shrinking, and their customer service is terrible. I used to be a big fan of their "business guarantee," but now I realize that it's just a bunch of empty promises. If you're thinking about getting an American Express card, I'd advise you to think twice. There are plenty of other options out there that are much better.

PLEASE HELP ME!

I paid my bill in August of 2019, in the amount of $904.08, and American Express has denied receipt of the payment stating I owe them $903.71, causing me to have a negative rating on the deadly credit reporting agencies. This has persisted to exist even though I have sent numerous faxes, and a return receipt request, with a copy of my bank statement indicating the payment to them.

My home is in DIRE NEED, of structural repair, and I need to borrow some money to get the necessary work accomplished, the asanine control the credit reporting agencies have on the ability of people to survive and navigate in this society is devastating to people like me. I'm a senior/veteran, living on a FIXED income. And AmEx, is keeping me from getting the help I need.

company's information: Account identifier [protected],

AmEx card number: [protected].

On May 23rd, I made two payments to my account that were returned for $400 and $600. I had recently changed bank accounts due to divorce and had forgotten to add the funds to the new account before I had the payments processed. Around the same time, American Express upgraded my Delta Amex to silver and sent me a new card to my old address, that card was returned to them. I then received notification that my account was closed. I immediately called AMEX, made a payment of $1,288.35 and the representative told me my account would be reinstated. I never received a reinstatement notice so I followed up and was told that they could no longer reinstate my account due to my fico score. I did not authorize them to pull my fico score, nor should have since I was already an established customer and approved for the card previously. I have exceptional payment history with Amex with no other returned payments on my account. Even after explaining my situation to several customer service representatives, I am still being told I cannot reinstate my card unless I reapply. I do not want to apply for a new account as I am working to build my credit post divorce and do not want any inquiries or new accounts on my credit report. This card is something I use daily and pay off monthly, and that can be shown in my account history. The unexpected closure of this account his significantly impacted my credit score and financial health in a negative way.

I filed a claim in April with Amex insurance for damage to a rental car. i have had 4 months of constant asking for documents. i send the documents and then they send another email asking for the same documents. I have called Amex repeatedly and asked for help to resolve the issue. I have been told they do not need more documents and it would be resolved. Then after speaking again today I get an email asking for the same documents I have provided. it is a a horrible experience. This is the worst customer service i have experienced in years. It is beyond comprehension how anyone can be this either incompetent or acting in a fraudulent manner. I have pleaded for help to resolve this matter

And not even an acknowledgement as a response? You continue to prove my point below. Do you force me to pursue this through other venues?

From: [protected]@icloud.com

Subject: Customer Service Declining

Date: July 8, 2023 at 7:29:12 PM PDT

To: [protected]@aexp.com

American Express has been my first choice for all major purchases primarily because of the excellent customer service. However, something in your business priorities have changed leaving me frustrated and enraged.

A recent Ebay purchase for an advertised “brand new, never opened" air-fryer was sent obviously opened and/or used previously. As I explained to Ebay, the seller, and Amex, it arrived without a manual and a plastic bag which I thought was to hold the manual. After downloading the manual, the bag was to have held the inner tray which was already in the unit, and instructed removal of packing tape on the drawer for which there was none. The danger of plugging in a potential fire-hazard is obvious.

After dealing with the new Amex “customer service,” I asked this to go to the Fraud Department but it never did. Only half of my details were recorded on my file, proved when calling once again to get this resolved and being told “I don’t see that in the notes.” I won’t repeat all those details again in this letter. The tone/emphasis the agent used saying “American Express Blue” was clearly demeaning as in “ONLY” Amex Blue. Supervisors were shielded from my inconvenience with “they’ll just tell you the same thing” which is dismissively offensive. When my request was finally granted, I made the stipulation “after 1pm PCT” yet three calls came in at 9am. “Oh, that wasn’t in the notes,” was repeated later and I had to say twice that the next day, Friday, I had a medical appointment at 1pm and of course, that is when someone called. These calls cannot be returned, so how committed are these supervisors to resolution, truly? Or Amex, for that matter.

The phone agent protected the supervisor; Amex protects the companies charged, but the customer appears no longer the top priority.

Before I cancel my American Express, paid in full every month after over a decade, and choose another card that merchants are happier to welcome, I am offering the opportunity to keep your customer. If it matters.

Charles S. Waxberg

“Blue” Amex: ….93004

Ref. No.D-[protected]

All my business Gift cards purchased from AE are no longer working. I have been contacting the customer services of AE gift card and Credit card sides for long year, and have no resolutions.

My AE Credit cards were closed 2 years ago, and by around the same time, I discovered that all my previously purchased AE business gift cards are also no longer working. BUT all those were paid in full.

I have been contacting both GIFT CARD side and GIFT Card support told me everytime it was deactivated by Credit Card. When I call Credit Card side, they all tell me that they have nothing to do with GIFT CARD.

I have been struggling with AE stole all my money and freezed my business gift cards purchased. I am saying all my previous purchased AE Gift cards.

It took 2 Days to buy a American Express Gift Card. I called first to make sure Walmart would accept it. Called them to make sure it would work at Walmart. Finally got my $2000.00 gift card to buy a computer. Went to check out. My gift card shows all the.10 cent check if this card is real from Walmart but has not processed one of them so the card looks fake, no purchase will go through. Called American Express gift card 1-800 number and they insist I have to call the number with the order that gives 3 option and no person. I am stuck with a $@000.00 gift card minus.50 cents pending charges from Walmart and no computer. I WILL NEVER buy from American Express again!

Since I have a great payment history my referenced card was nearing its limit and Amex accepted charge that immediately sent the card over its limit. I have tried several times to work out a solution with customer "service" reps. The last person suggested that his manager does not take calls and if I have a complaint I should write a letter to American Express Company, Tower C, 200 Vesey Street, New York New York 10285...

How helpful!

D. Caskey

WARNING! DO NOT OPEN A CREDIT CARD ACCOUNT WITH AMEX IF OFFERED A PROMO FOR HILTON HONORS POINTS! IF YOU EXPECT THEM TO RESPECT THEIR OFFER... BEWARE! THEY LIE AND DEFRAUD!

In late Feb., I found an offer online for 75,000 Hilton Honors points for opening a new credit card account. The only reason I applied was to get those points. I never received those points. I have called customer service three times about this specific issue and was promised that the situation would be resolved to my satisfaction three times. I never received those point.

I met all criterion to qualify for those points. I spent $1,000 using the card within three months and have paid all bills in full each month.

During my last call I demanded to speak with a supervisor. That customer service supervisor told that because I had closed a previous AMEX Hilton Honors card, that I was not qualified for the points. That information never appeared on the website, in the confirmation email, and was never communication to me in multiple phone calls I had with CS beginning the first day I applied for the card.

This is a fraudulent offer, very deceptive and I am closing my account and intend to sue them in Small Claims court if it is not resolved immediately!

I gotta tell ya, I had a real bad experience with American Express Serve. I mean, if I could give 'em a big fat zero, I totally would! Let me tell ya, if you ever lose your card or it gets stolen, you're in for a real headache. It took 'em forever to get me a replacement and they charged me a whopping $20 if I wanted it expedited. And let's not even get started on their customer service - it's just as bad as the rest of 'em. Honestly, I wouldn't recommend 'em to anyone. Save yourself the trouble and go with someone else.

Yo, so I was using American Express Serve (serve.com) and had a pretty whack experience. Someone used my card to pay for their cable and internet, and I only found out when I got a notification. I called up Serve and they told me to hit up the cable company to see if they could help. But get this, there's no theft protection on this card! If someone gets ahold of your numbers and pays online, you're basically screwed. Ain't that some BS?

I mean, I get that Serve is supposed to be a budget-friendly option for folks who don't want to deal with traditional banks. And yeah, it's pretty easy to use and all that. But dang, if they're not gonna protect my money, what's the point? I don't wanna be worrying about some random person draining my account every time I use this card.

Overall, I'd say if you're gonna use Serve, just be careful. Keep an eye on your account and make sure nobody's using your info without your permission. And if something does happen, don't expect Serve to have your back. It's aight for basic stuff, but don't rely on it too much.

This card, called Serve, is not worth the trouble. It's like an ATM card, but they charge you $5 every time you use it, no matter what you use it for. Plus, they only let you spend up to $2,000 a month. It's got the American Express logo on it, but don't be fooled. They even charge you a fee for putting money on the card, and you can only do it once a month, no matter how much you want to put on it. It's a bit of a scam, if you ask me.

So, I got this card in the mail, and it had the American Express name on it. I didn't even ask for it, but I guess they just sent it to me anyway. I wasn't too happy about it, so I called up American Express to complain. But they didn't seem to care at all! They didn't take any responsibility for sending me the card, even though their name and logo were right there on it. I mean, come on, someone had to approve that, right? It's not like they can just put their name on anything without checking it first. I think it was a pretty bad move on their part.

Yo, listen up folks. I gotta tell ya, American Express Serve ain't all it's cracked up to be. I mean, sure, you can get ACH deposits, but the fees are outta control. Like, seriously, way too many fees. And get this, even though there's an account and routing number associated with the card account, you can't use the money wallet with any merchants. What's up with that?

And don't even get me started on customer service. They'll straight up hang up on you if they can't fix your problem. And to top it off, they give you false information. Like, what kind of operation is that?

Overall, I gotta give this joint a big fat zero stars. I'll be taking my funds elsewhere, thank you very much.

I got American Express Serve to buy stuff online, but it didn't work out so well. They told me to sign up for the card, but I kept getting rejected. Even though I already had the card and money on it, they said I wasn't approved. They didn't do anything to help me out, and just kept giving me wrong info all day. It's frustrating because I got the card specifically for online purchases, but now I can only use it in stores. It's not what I wanted at all.

So, I gotta tell ya, I had a pretty rough experience with American Express Serve. I was expecting my tax refund from Jackson Hewitt to come through on March 23rd, but it's been weeks and I still haven't seen a dime. And let me tell you, the Serve debit card they gave me is just plain awful. It's making American Express look bad, if you ask me. I mean, if I was in charge of American Express, I wouldn't want to do business with Jackson Hewitt anymore.

But here's the kicker: I finally got fed up and called American Express to see what was going on. And you know what they told me? They said they would send me a check, but it would take 14 working days to get here. Can you believe that? I mean, that's just plain disgusting. I don't know what's going on with American Express Serve, but they need to get their act together.

I recently got my tax refund and decided to put it on my American Express Serve card. However, I soon found out that Serve is "holding" my money and I have no access to it. They told me that they can hold it for as long as they want because it's a "secured loan" and now they have complete control over it. I was under the impression that this was a cash card, but it turns out that it's not. In fact, when I got the card from Jackson Hewitt, they marketed it as a cash card.

To make matters worse, when I tried to speak to Serve's representatives about this issue, they laughed at me and hung up on me twice. I was extremely frustrated and felt like I had no control over my own money. I even reached out to my nationally recognized bank to see if they could help me, but they told me that Serve cards are not respected by banks and cannot be used with them.

Overall, I am extremely disappointed with my experience with American Express Serve. I feel like I was misled and taken advantage of. I would not recommend this card to anyone and would advise others to be cautious when considering it.

American Express Serve is a service that I have used for the past three years. Unfortunately, I have had some negative experiences with them. I admit that I may have been foolish to use them again, but I needed to get my refund from Jackson Hewitt quickly. However, they have caused me embarrassment on multiple occasions since last week. They took my funds and claimed that there was suspicious activity, which resulted in my money being frozen. The worst part is that there is no live customer service available on any of their phone numbers, and there is no email address to contact them. I am so frustrated that I am considering filing a police report. In my opinion, this is the worst company in history. To make matters worse, Jackson Hewitt is not willing to help me either. I strongly advise against using American Express Serve. Please be careful and avoid them at all costs.

This card is a real pain in the neck to activate. I've never had to jump through so many hoops just to get a card up and running. The automated system keeps telling me that I'll get an email to verify my account, but it's been two whole days and I still haven't seen hide nor hair of that email. I try to log in to the website that I set up, but it keeps telling me that my username and password don't match. I click the "forgot password" button, but then it asks me for my card number and CVV. I enter that information, but it just tells me that it's wrong. It's like I'm stuck in some kind of endless loop of frustration.

And the worst part is that I have a refund sitting in the account that I can't even access! It's like the card is taunting me, dangling my money just out of reach. I'm starting to wonder if it's even worth it to keep trying to activate this thing. I mean, what's the point of having a card if you can't even use it?

Overall, I'm pretty disappointed with American Express Serve. I was hoping for a card that would make my life easier, but instead I got one that's just causing me more stress. If you're thinking about getting this card, I'd say proceed with caution. It might not be worth the hassle.

I've been using American Express for a good 7 years now, and I have to say, it's been pretty decent. The service has been okay and everything seemed to be going well. However, this summer, I had a pretty deceptive experience that left a bad taste in my mouth. It was so bad that I decided to downgrade and might even stop using it altogether.

In July, I received an offer letter in the mail for an upgrade to the new Amex Reserve card. The offer stated that I would get 20,000 bonus miles and a $200 statement credit if I spent $3k in the first 6 months. The new card was even made with metal from an old 747! I thought it was a pretty good deal for the higher price card, so I followed the steps from the QR code in the letter and got the new card in the mail.

However, when I called to ask about the progress, they had no record of that offer on my account. They said that unless I could produce a POID code from the letter I had 4 months ago, there was only a small 5,000 mile offer. I was shocked! Was I supposed to keep a paper trail of all of this? I did take a photo of the letter, but that photo did not have the fine print code they were looking for. They said "Marketing will open a case for you and get back to you." That was in October. I've called 4 times since then to check on it and add further clues - how could this be, since the letter promised this promotion with my name on it?

Well, I called one more time, and the lady said that the case had already been closed. No offer. Something fishy was going on. No one had contacted me about it! They said that without the code, there was absolutely nothing they could do.

So, they were going to just take my money for the higher card but not give me the promised bonus. That's what you get with high stakes at AMEX, apparently. It's a shame because I've been a loyal customer for so long, but this experience has really soured my opinion of them.

During the 2020 WORLD Pandemic, AMEX started offering a payment aid plan that was presented as a reduced interest rate for the net 5 years. They offered to reduce your interest rate from 24.99% to 7.99% with a higher month minimum payment. This was designed to help you pay off your balance over the course of the 5-year period. It was also explained that for all new charges, the rate would be 7.99%. This was all contingent on setting up auto payment.

Two months after this started, I was declined for my Netflix payment of $15.99. When I called to discuss with AMEX, asking them if there was an issue with my card, the associate said that my account was frozen because I stated that I needed relief with my payments. I reassured the representative that this was not the issue at all. Any intelligent person would jump on a plan to pay a lower interest rate, and this is what I've taken advantage of.

After speaking to multiple people, they turned it around and made me feel like I was the one who was an IDIOT and I didn't understand what the details of the program were. I felt insulted and disappointed to know that I was the biggest advocate for AMEX in the past, and it has been my card of choice since I was a freshman in college. Here I am today, considering closing out my account forever.

I am here to say my piece and hope that maybe someone from AMEX might read this and understand that customers like myself are the reason AMEX is great and respected. With misinformation and arrogance, you can potentially start losing loyal clients.

I've convinced many people over the years to get an AMEX, and now I will make sure that I never say anything to promote or offer free marketing for this brand ever again. I'm so disappointed. It's important for companies to listen to their customers and understand their needs. I hope AMEX takes this feedback seriously and works to improve their customer service.