Consumer complaint received 2020-06-26
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
A ) I am being charged a {$6.00} Monthly fee halfway thru the month, even though the terms of my Green Amex Serve card clearly state that : 1 ) ..direct deposits ' of {$500.00} +/month are monthly fee exempt. 
2 ) my monthly cycles are ending mid month, denying me the two additional billing weeks each months direct deposits ( I have several work accounts contributing to my monthly direct deposit total ) and my monthly statements are issued thru the last business days of each month. 
3 ) Serve is using the middle of the month as my cutoff date to reach {$500.00}, claiming I set up my direct deposit mid-month ( vs Serves ' policy stating monthly fees begin within 24 hours of INITIAL acct. setup date. 
4 ) That, my Green Serve card is eligible for {$4.00} monthly fee, not the {$7.00} Ive been being charged, as I setup my account PRIOR to XX/XX/XXXX. 
( a ) 2 days ago I was charged several NSF fees ( my balance was well above my attempted cash withdrawal amount ) at a XXXX, Serve registered atm ; 5. ) Upon contacting Serve customer service, I was told that I would have to use a non registered atm, ( other than XXXX, whom I was told was the only bank that would cause Serve to assess my account an additional {$2.00} ATM fee, as well as XXXX ' addl.standard {$3.00} non-client user fee. 
6 ) I was assessed another XXXX fee for entering the wrong PIN in all the confusion. 
I have been a blue card Serve client since XXXX, switching to the green card to avoid the absurd charges being assessed each time I loaded funds ( originally blue cards were load fee free ) to my card. Serve amended it's policy regarding blue cards free reloads without notice, and Green card ammended it's fee-less/ w/ + $ 500 monthly direct deposits balance policy w/out explanation or notification whatsoever, apparently, ( although Green Cards fee policy still states that with {$500.00} direct deposits monthly the monthly acct. Fee is waived. 
* What I want : 1.monthly accounting to reflect a billing statement ending at months end, allowing the final 2 weeks of the month for my direct deposits (! /have several clients who pay me thru direct deposits monthly ) in order to correctly relfect a balance of {$500.00} direct dep., Waiving the monthly acct. fee ( as currently stated in Green Serves policies. 
2 ) the {$2.00} additional fee from my XXXX XXXX ATM withdrawal. 
3 ) the 2 NSF fees incorrectly assessed at XXXX, as it was YOURE systems ' error at the atm. ( My balance was {$55.00}. ) 4 ) my monthly statement correctly ending at months ' end, providing a full month of direct deposits ( per Serves ' criteria ) to meet the {$500.00} minimum $ amount needed to avoid monthly fees. 
5 ) ( a ) total amount of $ XXXX/incorrect NSF fees reversed. ( b ) {$6.00} acct maintenance fee reversed. ( c ) reflecting {$4.00} per month correct fee to be waived if balance reflects< {$500.00} direct deposit balance ( I signed up for Serve prior to XX/XX/XXXX ) 6 ) reversal of XXXX assessed from false NSF balance. ( Balance was XXXX. ) **Total Credit my Serve Card account should rightfully be credited= {$13.00} Please make these corrections to my account ending with XXXX immediately. 

XXXX, XXXX XXXX # # # - # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Oregon XXXX

Company response to consumer: Closed with monetary relief