Do you know what your available balance is? If you do, try to withdraw via ATM adhering to allowed w/d per day until you get most of your $; for remaining small balance, spend it at the store until balance is zero. Then Serve can officially close your account and you can move on after getting your funds back.

If your card has been blocked and you do not receive email within the next 5 biz days giving instructions pertaining to your remaining funds, consider filing a complaint to CFPB. Before filing a complaint, make sure to review the User Agreement you agreed to when you opened your account.

i have been having trouble since 7 days ago, able to load, but not able to paying bills, always saying call 8009540559 after i log in. I have 3 serves, all able to log in and see balance like 600 something, but not able to use it? i had this about 8 months, always load VGC and pay credit later about 1 k per month, i do not link bank account. i did not have time to call yet? ? maybe shut down later, i will rest till near year to see what happens. Am a small MSer, only do it when have no fee sales like OD OM or hit sign up bonus

I wonder if a new round of closures is upon us?

I just tried withdrawing from an ATM and wasn't able to. Serve has completely deactivated every aspect of the account, but has not refunded the remaining balance, even after I made multiple requests for them to do so.

This is close to impossible. No matter what, no one can just delete your account and take your money. It is illegal. This is customer's funds, not some CC bonus etc.

You need to contact them. Something is missing, or you do not truly understand it.

So far, I see individual user's problems. I see BAU.

Quick update: I've escalated as far as I can with Serve, yet there's still no resolution. The supervisor specified the account is under internal review and they'll get back to me once the review is completed (no timeframe was provided for the return of my funds). I have filed a CFPB complaint.

As my account seems to have been the only one account affected, perhaps this ordeal can be informative to others. Serve referenced Clause 15.d of the User Agreement for why my account was terminated. Below is the text from the User Agreement:

"d. Suspension of Use; Cancellation; Closure.
We, in our sole discretion, may limit your use of, suspend or terminate your privileges with respect to your Account (including your Reserve), Sub-Account, Card and/or Sub-Account Card with or without cause or notice, other than any notice required by Applicable Law, including in the event we believe there has been a breach in security or there has been unauthorized activity involving your Account or you have engaged in activity that is fraudulent or inappropriate (e.g., manufacture activity that is inconsistent with the intended use of the Account) or violates the terms of this User Agreement. We will only close your Account if there are no funds remaining in your Account (including your Reserve) or Sub-Account, unless you specifically instruct us to close your Account or Sub-Account with funds remaining, in which case, any remaining funds will be escheated to the applicable state in accordance with Applicable Law. Closure of your Account will prohibit your access to the Service.

If we decide to close or suspend use of your Account or Sub-Account (which closure will result in termination of your privileges with respect to the associated Card and/or Sub-Account Card), we will send an email to the primary email address we have in our records for you. Upon closure of your Account and/or Sub-Account (and termination of your privileges with respect to the associated Card and/or Sub-Account Card), you must immediately discontinue use of your Account and/or Sub-Account and associated Card and/or Sub-Account Card, as applicable. Our closure of your Account and/or Sub-Account (and termination of your privileges with respect to the associated Card and/or Sub-Account Card) will not affect your obligations under this Agreement."

1. How much is your balance when they suspended your account? If you're not sure how much your balance is, check your receipts when you loaded card.

2. Do you have other activated cards? There's 5 cards allowed per SSN for S/BB. If this is your only active card and final decision is to close your account, you'll be banned from registering another S or BB. If you have other active cards, check to see if they're still working.

3. Incomm may have the right to close account(s) for any reason but they cannot hold on to remaining balance for an indefinite period; in the past, AXP allowed free access to one's balance when they suspend the account from future loading. When one's balance comes up to zero, they sent a reminder to officially close account. It's too early to know if yours is an isolated case but IF and when there's a new wave of shutdown, I'm sure there will be a lot of complaints filed against them if they do not release funds asap.

Is there a law stating how long they have to give you back your money?

So my closed account has taken an unexpected twist... Serve reopened it. "We just wanted to let you know that any disruptions to your American Express Serve® Account have been resolved. We’re sorry for any inconvenience this may have caused." Nothing that has occurred over the past week has made any sense. Instant closure and completely disabled account -> No timeline for return of remaining funds -> Lot's of conflicting information when calling in -> CFPB complaint filed -> Account reopened with an "our bad" explanation.

I just liquidated the remaining balance and will definitely be avoiding Serve going forward.

I haven't attempted split payment at any of my local DGs, but here is my FD info (all DPs are from within the last 2 weeks):
1. Store manager happily and successfully allowed me to split pmt ($400 load using 2x $200 VGCs from Staples)
2. Cashier didn't know how to do split pmt. She called the store manager over, who taught her how to do it. Now that cashier is also happy to allow it.
3. Different cashier - I believe he is Asst Mgr - he is always happy to help me load Serve... I asked him to do split pmt and he said it wasn't possible to he had me do b2b $200 loads rather than all at once.

Beware that IIRC FD is hardcoded to only allow $500 loads and I can't remember if it is per calendar day or rolling 24hrs. I have several DG nearby, so I avoid FD on back to back days unless I'm 100% more than 24hrs has elapsed.

Same as you my account under-review.

My account just block last night after reload at FD.

What is the point of splitting the transactions for serve loads? There is no reason to do this. Just do two transactions. Or go to FD where you can do 3 right in a row.