Serve Reviews

My American Express this app account was compromised and I waited patiently for the Amex this app fraud team to resolve the issue . They failed big time and protected the fraudulent merchant instead of my account. The company that appeared in the statement is no where to be found on google. So how could they have done their due diligence. Now I’ve waited over 10 business days for a replacement card in which I have not received to get the small amount of funds on it to be able to get food and gas and have no received it missing days from work and having to get food from the state due to Amex this app’s fraud team failed to return my provisional credit. They could. Not provide me any proof of my signature on any document that I authorized the transaction or who obtained access to my account. Amex this app is the WORST company pertaining to customer service and fraud protection . The representatives are in located in other countries doing horrible service by constantly hanging up on you and constantly transferring you to other departments and refuse to allow you to speak to a supervisor . Now I’m having to go through the courts the theft of my funds by Amex this app and allowing a fraudulent merchant to keep. And I look forward to seeing them in court and sharing my bad experience with the masses on every social media account.

This year I decided to have my tax return direct deposited to the American Express this app card. Customer service tells you to go to a money pass ATM where it’s “free” to take out your money. That’s a lie. The website and representatives say you can transfer money from your American this app to your personal back account. You can but it won’t go all the way through so that’s a lie ... I requested money to be transferred. Through Serve I was told to give my personal routing and account number. To verify my personal account and continue with my transfer they would make two small deposits into my bank, (which I noticed). Then afterwards within 3-5 business days my transfer would be complete as well free of charge. After the two deposits I waited and received nothing. I called customer service, however this representative couldn’t explain anything, saying they never seen where I put in a request for a transfer. The representative that I spoke with prior told me my money would be in my account the Friday of that week around 10:40 am. This brought me to drawing my money off the card COMPLETELY. Each transaction was a 3 dollar charge. I will NEVER again use this card.

So here the scoop, transferring money with iPhone XS max phone with software 12.2 is the problem. I have iOS 12.2 on my iPad it transfers no problem. I totally agree that calling customer service at this app is somewhat impossible. I could only wish it was like Amex Plat customer service is the best. The people that work in customer service are like from an unknown planet. They sound like foreigners from another country. It is upsetting when there is know one that can help you. You can’t just call and press “0” for a rep and someone picks up because that feature doesn’t work. It is a total disaster at this app headquarters. The developer that developed Serve needs to get things changed around. I am personally looking for a different solution if things don’t change. I just ordered bluebird today. But this has to be an easy fix.

I had a conversation with Apple today and they believe it is a security issue with XS Max. I have iPhone X and iPad and it works perfectly fine transferring money from main to reserve or anything else

UPDATE:
The latest issue of not being able to load money “due to technical difficulties” was apparently because of an expired card for my primary bank account. But Serve did not give that information. I had to login on the Amex this app website. It would be helpful if Serve could tell you a specific error message. This is something that could have been fixed immediately if I knew the exact problem. Updating the expiration date on my new card immediately fixed the problem.

I love Amex this app and I love how easy it is to load cash on the card, transfer funds and monitor your balance and recent purchases. That said, time after time, I’ll go to reload my card and I get an error message that funds cannot be added “due to technical difficulties.” When this occurs, it usually lasts for days and I have to switch credit cards on my accounts because I can’t pay or add money to my this app card. This is happening more and more frequently. It will work for a couple of months without incident, but then be down for at minimum a couple of days or more.

It’s a great idea, great concept, excellent app, and most of all easy to use, but the lack of reliability is a real issue. My hope is they do some technical upgrades that will cause this to not happen anymore.

Serve works fine however, I had an issue with the bill pay. I submitted two bill pays to a company from my this app account. I waited and waited and the “delivery” date past and the company I was trying to pay still had not received the payments. When I looked at the details of the transactions on the this app app, the account numbers listed were not the ones I sent the payments to.
I called the this app number on the back of the card and was told they would transfer me to the dispute department. Someone picked up on the line and then disconnected it. So I called back. Went through the process again and was put on eternal hold. Hung up and called the company which I was trying to pay and conference called it. Finally got a person in the dispute department and he stated that they would put stop payments on both of the bill pay transactions and my money would show back up in my account in one business day. That was 2 days ago and still no money back in my account. I am afraid they scammed me. I am going to call the Attorney General’s office and see what they have to say.

I used to work for American Express, and when I did, we had a strong emphasis on customer service. They hold their charge card holders in such high regard, and they pushed the this app card to their employees very hard. I will say, when everything is good with the account, the card is spectacular. Serve is very easy to use and the card itself is really good. But once something goes wrong, all hell breaks loose. I had a few fraudulent charges on my account, and boooooy let me tell you. First, it’s so hard to get an American based employee now. They will NEVER let you speak with a manager, and will do the bare bones minimum for you. These fraud charges were nearly a year ago and I STILL have not had them resolved. They wouldn’t even close my account when I requested it. If it’s your only option, then go ahead and go for it, it technically does what it’s supposed to do. But if you can get ANY other card, do that. I recommend Chime, have not had any issues and they will take care of you if something comes up.

You get what you pay for and if they charge you zero dollars then you can’t expect much service. As proof, their customer service is off-shore who are disinterested at best and clueless at worst. So don’t expect anything besides the very basic function of housing your funds and withdrawing them from an authorized ATM. But other stuff like sending them a stimulus check for deposit they will return it. You can try their InGo service for digital deposits but that sometimes doesn’t work either. I linked my this app card to Apple Pay and it would decline every transaction even though swiping would work every time. Not the kind of experience you would expect from AMEX but I suppose this is their unwashed masses product. It’s ok but full of disappointment.

Been with these guys for 4 years. I Never had a problem up until the last 8 months where they fail to tell you that the same ATMs you use now have a fee to them. Do not lose or damage the card. When I first opened this card it took2 months to get the card. Now I need a new card 4 years later and they are charging me $20 to expedite when I’m already waited 10 business days like they asked. On top of that they closed my card to MAIL me a check. How are you going to mail me a check and also wait another 10 business days and I haven’t received the REPLACEMENT CARD. Asked them to refund it. Have to wait another 10 business days. Don’t trust these people. Don’t do business with them. Good for direct deposit but charge you for everything now. Use to be able to go into Wells Fargo do do Cash Advances. Nope. Not anymore. If you want fast direct deposits. This is the card but anything else you’re better with another one. Smh

I have been with this app for more than 4 years. I used it for my direct deposit. Recently I got a new job and instead direct deposit the company sent me a paycheck. I tried to do mobile deposit on Serve and when I click the mobile deposit option it gives me error with a message “we are sorry we are having technical difficulties please try again later” this has been happening for 4 days. Then I called a customer service and the customer service told it was Ingo that handle the check processing so they transferred me to Ingo and then after speaking to Ingo they told me it was the this app app that was having the problem and they cannot do anything on that. I got back again to this app customer this app and they are again telling me that it was Ingo. So frustrating! I even deleted Serve and reinstalled it and yet I am still having the same problem.

I’ve been a this app customer for over five years now. There’s been a couple of things I don’t care for but still stuck around. I don’t like that there is a limit on how much you can withdraw. But I do like the fact that I get paid three days early which was one of the reasons I stayed. Recently they’ve made a change with Serve and it’s terrible. Too many glitches, a lot of the time I can’t log in. There’s been plenty of times my husband and I have a hard time transferring money this app to this app to one another. I really wish they would’ve left the original app alone. There’s still a couple of things this app can do to make this a overall good debit card. I still have hope but I dont know how long I’ll stick around.

I’ve been a this app card user managed through iOS apps for 9 years. Until this update, app worked as expected with only minor outages. The most recent update has kept me from logging in via iOS app completely. The “oops something went wrong message” follows every login attempt from 3 different iOS devices (including iPad os). I’ve tried all the usual fixes, uninstall/reinstall, network changes, OS updates etc. Nothing. After 6 weeks of widespread outages for many, many users, no acknowledgement or messages from American Express as you’d expect from a large financial institution. Luckily I've successfully used a work around: logging in through web browsers. The controls through web login is terrible but usable with lots of patients.

Unacceptable American Express!

Unfortunately this situation has me looking for a replacement service.

Why is it that some of you app developers are not smart enough to make an app that doesn't delete my login credentials every time you push an update????? Whats the point of having touch access if your crap app isn't going to save my login credentials???? I don't want to hear that its for my security because that’s just an excuse when you don’t know what you’re doing! I also don’t want to hear that it can’t be done because I know better! I have NO ISSUES with my Bank of America, Home Depot, etc. apps when they update. My info is saved so I don’t have to be inconvenienced at an inappropriate time trying to login. Maybe if Amex cared more for their customers and spent some money (or got smarter app developers who care) on their app development the customer would have a better experience!

*GET REAL COMPLAINERS! This card and account is awesome for all ages: your young kids or son in college, a place to put cash if you’re saving, pay bills, in store purchases, people with credit struggles and great for people (me) that get into their overdraft too much, too often, when it comes to a checking account from an institution.
Card- came personalized and quickly. I used the card that came with sign-up until mine arrived.
Direct Deposit- I get paid late Wed. night while coworkers get paid Friday.
App- user friendly and informative.
Cash Deposit- run in CVS and deposit cash at no charge....guess what: CVS is open MORE days and LONGER HOURS than banks.

I used to love the Amex this app card and Serve was very straight forward, intuitive, easy to use and stable. Unfortunately, the new app is horrendous! I can’t even log in, and believe me I have quadruple checked my password. I use a password manager and I’m able to log in on my laptop, but I get an error 9 out of 10 times I try to login on my phone. I have a sub account for my father and he has to call me to check on his balance and I am unable to check his balance unless I’m on my computer. That makes Serve worthless, which in turn makes the card worthless. Unfortunately, I may have to look at other card options.

Update-I thought perhaps Amex sold the this app card, since the card/logo/app changed. Sure enough, just read something that said Amex sold this app to another company. That is why the service and support has taken a nose dive.

I’ve reported the major bug involving the “Drag to Submit” functionality — meaning you can’t transfer money between the main account and subaccounts — several times to AmEx. Their reps claim no bugs have been no reported and Serve is just perfect. They suggest I reinstall it, and when I tell them I’ve done that nine times and that it doesn’t do anything, they robotically say, “You should reinstall it.” Judging by the slew of recent reviews mentioning this specific bug, I think they’re sticking their heads in the sand. So, stay well away from Serve if you own an XS. Bizarre behavior on the part of AmEx.

Update: A new version came out last week (April). Don’t bother trying it if you have an iPhone XS. *Still* have not fixed the Drag to Submit function — after three months. I’m kind of shaking my head in disbelief with these developers and American Express.

My review is ONLY based off the application appearance and nothing else. I love American Express as a company and their service. I have been always treated great by customer service but Serve needs a lot of work. I started with Bluebird which I love then found out about the this app card and the cash back offer so I switched. It offers great services on Serve but it’s not updated if you have the iPhone X so it looks off. It looks very cheap and that is NOT what an American Express app should look like. Hopefully the developer is able to fully update it then I’d have 5 stars for a review for sure.

It is impossible to get through to a competent person associated with this company. Over a span of MONTHS I have been waiting to be issued a replacement card. I call and every time they say I have to validate my address. I ask to speak to a supervisor and the supervisor is of no assistance and hangs up on me. I call back and the associates say they can’t locate my account or it doesn’t exist. They keep me on hold for up to ten minutes and continue to have no answers. It is completely ridiculous to not be able to get any information from anyone in this company. I have my money stuck in an account that I can’t even access because it requires someone FROM the company to either send me a card, or give me online access. Completely pathetic. Do not recommend for a second. Do not waste your time.

The old this app app was fine. Everything necessary, everything worked.
I’ve had nothing but problems with the new app and no customer service team to talk to about it. Here are some of the issues I’ve had so far.....

-Failure to load whatsoever
-Loading, then crashing during thumbprint scanning and not loading again for hours
-Loading long enough to see my balance, then crashing and not loading again for hours
-Loading, but no buttons work and the blue circle just keeps spinnin’
-Closing and re-opening Serve does nothing, or makes the loading issue worse next time
-I’ll give up trying, come back 30 mins or a couple hours later, and will still have issues with Serve

Overall, the new app has only worked correctly maybe 35-40% of the time I’ve had it.

I do like the new look of things, but c’mon guys. I know I have an old phone (iPhone 6S+), but c’mon...

I may close my AmEx account because of this. I can understand glitches in games and other entertainment apps, but money is a more serious subject and now I’m nervous about Serve and my account.

Please fix, and thanks in advance!

Now that this app has been bought by another company they are no longer posting direct deposits the same way. A coworker has rushcard and gets paid at 8pm. this app on the other hand doesn’t pay you until 12am and sometimes it’s later. Their reps lie and say they post direct deposits when they get them. If that were actually the case I’d be getting my direct deposit much earlier as my coworker and I share the same employer and payroll.

So effectively you are only getting paid 1 day early, when they advertise up to 2 days.

The major problem, is that I don’t like being LIED to when it comes to finances. It makes me extremely uncomfortable. Representatives saying deposits post when they come in is an absolute lie as evidenced by my coworker getting his deposit 12 hours before me.

The company that purchased this app also operated a failed prepaid card called myvanilla. I actually had this card and encountered direct deposit issues and closed the account.

this app’s support is non existent. And their customer service drones repeat the same information over and over.

Do yourself a favor and open a real bank account so you don’t have to deal with the headaches.

I’m trying to download a bot of a statement to complete my PPP loan. First there’s a non functioning download button that only opens the statement and no matter Joe hard or how many ways you try and hit it just right, hero no download. I contacted customer service and they have basic instructions of things I had already tried and when that failed the representative said hold on one moment let me take a look at something......... yep if you’ve ever dealt with this company you guessed it he hung up on me. Once I get this document downloaded I’m closing my account and moving to someone who appreciates my business enough to actually try and resolve my issues not hangup on me and hide when I need support.

For The Past Week I’ve been trying to Transfer money From my Card to My Amex this app account. Every time I Tranfer funds I Get an error message stating: “Due to technical Difficulties We’re not able to process your request. Try again later”. I also had a situation the week prior. Where I transferred Funds to My Amex Card. It takes the money from my Card then I get the same error Message. I then Sign out of Serve Sign back in and the money that was taken is not even in my account. Idk what’s going on but this needs to get fixed ASAP

I have been a card holder for about four months now I must say that I will be canceling my services however I don’t understand why you don’t have a opinion on the phone services to be transferred to a agent about general question are to discuss a transaction not only is this company backwards I am having issues with Serve and website to view my account and it is showing no recent transactions this a billion dollar company not once did I receive a email are phone call letting me know I will be experiencing this issue getting to close to the holidays to be experiencing issues I know I have deposited over 6,000 in the past three months to be a major credit card company I am very disappointed and dissatisfied

I very much enjoy this card. My friends and family have this card and we all love it. The money transfer option is very helpful. Family and friends with the card out of state need a little help? No problem I’m able to send them money with no charge. I believe the bank transfer is great too. I’ve had this this app card for about 6-7 years now. I love this prepaid card. I recently upgraded my card to the cash back one and it’s been great to me so far.

I’ve been using my AmEx this app now for about 4 years and have never had any issues. I use it almost daily and I load my card daily with Serve . If for some reason I am not able to use Serve to load, I can simply just walk in to my nearest 7-Eleven and reload my card at the counter.
I love having full control. I feel comfortable handing over my card at restaurants without fear of anyone recording my card digits due to only keeping funds active when I need it.
FYI
I use an iPhone 8 with the latest update.

I’ve been a longtime user of Serve and it was fine with Touch ID but now since I’ve upgraded to the X there is no Face ID support. So I must enter a password every time I log in. A little inconvenient when I’m a public setting or just want to peek at my balance.

Note to other reviewers: this isn’t a forum to air out concerns with the company. Take that to the BBB and file a consumer complaint. This is a space for developers to find out where they can improve Serve .

My review is ONLY based off the application appearance and nothing else. I love American Express as a company and their service. I have been always treated great by customer service but Serve needs a lot of work. I started with Bluebird which I love then found out about the this app card and the cash back offer so I switched. It offers great services on Serve but it’s not updated if you have the iPhone X so it looks off. It looks very cheap and that is NOT what an American Express app should look like. Hopefully the developer is able to fully update it then I’d have 5 stars for a review for sure.