• Report: #1100663
Complaint Review:

Bluebird American Express

  • Submitted: Tue, November 19, 2013
  • Updated: Mon, June 16, 2014

  • Reported By: MicheleG — Lindenhurst Illinois
Bluebird American Express
Nationwide USA

Bluebird American Express Holding Funds due to THEIR error! Nationwide

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I strongly encourage everyone to AVOID this card. YOU HAVE OTHER OPTIONS. I have been a customer for about 9 months. Two days ago, I transferred funds into my "setaside" account, which is basically a savings account. The funds are transferred in and available for transfer back out immediately. I had one transaction of $80.00 that was transferred in twice. So, $160.00 went into my setaside account. No problem, I thought to myself, I can just transfer $80.00 back into my regular account and I will be fine. That's where I was wrong. ALL of the funds I transferred into my setaside account were labeled as "pending - action required." What?! How are MY funds from MY account I transferred to MYSELF pending - especially when Bluebird states specifically they are available for transfer in and out of your accounts immediately?

No worries. I will call the ONLY contact number they have listed. (Note: this is the ONLY method of contact for Bluebird). So I wait on hold for 30 minutes and speak with a customer service representative that seems apologized for the inconvenience, and asks to put me on hold for a few minutes while he contacts a "support" person to find out what is going on. The customer service representative later comes back on the line and informs me that he is very sorry, but there is an update to the system that should be resolved by the next day and then my funds will be available to me again. . [continued below]....


I waited a full 24 hours before contacting them again after - surprise! - my funds are still on lockdown. I cannot transfer them back into my primary account and they're not showing up in my setaside account. I have ZERO access to MY money. I cannot take it out of an ATM, I can't use my debit card, I can't transfer it back into my primary account, I can't even walk into a bank to have someone physically hand me MY cash. 

I wait on hold another 30 minutes to speak with another customer service representative. He informs me that he is very sorry for my inconvenience, but yes, there is an issue in their system with people that have transferred their funds into their setaside accounts. It will be resolved today, and my funds will be deposited into my account. I ask him kindly for a estimated time frame, because this is MY money that I cannot access, and I can't imagine anyone there would be very pleased at experiencing this themselves. He asked to put me on hold while he called a support person. When he came back on the line he informed me, "it will be fixed in a day." I asked him for clarification. Did he mean it would be fixed TODAY, or WITHIN a day? He responded that it would be fixed by the end of THIS day. When I asked if he was sure - because I was told it would be fixed THE DAY BEFORE and it wasn't, he responded that yes, it would be fixed "today." He also informed me that in the meantime, my transfer from my primary account to my setaside account was considered "pending" while they resolved their system issues and I would not be able to access the funds at all, but I was welcome to add more money at a retailer or by check or direct deposit if I chose. I reminded him that I wanted access to my money that had already been deposited and not used for anything else, and he once again apologized for any incovenience. Inconvenience? I have to pay bills and put gas in my car, but I don't even know WHEN I will be able to now. I would call that more than an "inconvenience." 

I am cancelling my card with them, and hoping that they will SOMEHOW figure out a way to return MY money that they are holding due to THEIR OWN ERROR. To not have any solution available to me other than "call back" if my funds aren't available when stated is absolutely ridiculous, and extremely negligent. It also does NOTHING to show you are "sorry" for my inconvenience" when I am repeatedly given incorrect information and there is absolutely NO alternate resolution to my problem, no one that can intervene- nothing! 


This report was posted on Ripoff Report on 11/19/2013 12:01 PM and is a permanent record located here: http://www.ripoffreport.com/reports/bluebird-american-express/nationwide/bluebird-american-express-holding-funds-due-to-their-error-nationwide-1100663. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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